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Hiscox Business Insurance - Policy number - TUT_7._2385QZ Company name: Davis-Williams It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : TUT_7._2385QZ. Company name: Davis-Williams. Your Hiscox Insurance premium. Last year’s annual premium: This year’s annual premium. £ 6,561.53. £ 6,561.53. The premium includes all applicable insurance premium tax (IPT). Dear Dr Dr Judith Davis. Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 27 December, 2021 . Good news; if you want cover to continue with us and to make sure you stay protected by our award-winning cover, you do not need to do anything. We will update your policy onto our latest wording and continue to collect payment using the payment details we have for you. You must read the important information contained in this email and the attached documents. Your Hiscox Insurance Premium breakdown. The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). The amount shown as last year’s Annual premium will take into account any changes to the cover which may have been made during the last policy period. Cover. Last year’s annual premium (exc IPT). This year’s annual Premium (exc IPT). Professional indemnity. £129.57. £129.57. Legal protection. £6,367.94. £6,367.94. Crisis containment. £0.00. Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy . Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government increase in Insurance Premium Tax as shown. Is our information correct? Your premium and cover are based on what you’ve told us about Davis-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 27 December, 2021 . We’re here between 8:30am - 5:30pm Monday to Friday . Please note that we can only discuss policy changes with people named on the policy. Why renew with Hiscox. - Reassuring: we offer a range of cover options that can be tailored to your needs. - Flexible: we offer full flexibility to change your policy, with no administration fees . - Award-winning cover : we’ve been named Best Small Business Insurer 7 years running by Start Your Business Magazine . Please click this link for the Hiscox Referral Portal: https://refer.aklamio.com/hiscox/uk?source=postpurchase. Thank you again for choosing Hiscox to insure your business. We hope you and your business have a very successful year. Kind regards. Jon Dye. CEO, Hiscox UK. Business Insurance for the small and the brave. To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre. Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. This email and any files transmitted with it are confidential and intended solely for the use of the individual or entity to whom they are addressed. No one else is authorised to distribute, forward, print, copy or act upon any information contained in this email. If you have received this email in error, please notify the sender. Hiscox Syndicates Limited and Hiscox Insurance Company Limited are authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Hiscox Underwriting Limited, Hiscox Underwriting Services Ltd, Hiscox MGA Ltd and Hiscox ASM Ltd are authorised and regulated by the Financial Conduct Authority. Hiscox Assure SAS is duly registered as an insurance broker with the ORIAS, which is the French Official Registry of Insurance Intermediaries. Hiscox plc is a company registered in England and Wales under company registration number 2837811 and registered office at 1 Great St Helen's, London EC3A 6HX. Hiscox SA is a company registered in Luxembourg at 35 Avenue John F. Kennedy 35F, Luxembourg L-1855, and is authorised by the Commissariat aux Assurances de Luxembourg. It’s time to renew your Hiscox Business Insurance Hiscox Insurance policy number : TUT_7._2385QZ Company name: Davis-Williams . It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : TUT_7._2385QZ Company name: Davis-Williams . Your Hiscox Insurance premium Last year’s annual premium: This year’s annual premium The premium includes all applicable insurance premium tax (IPT). £ 6,561.53 £ 6,561.53 . Your Hiscox Insurance premium . Last year’s annual premium: This year’s annual premium £ 6,561.53 £ 6,561.53 . The premium includes all applicable insurance premium tax (IPT). Dear Dr Dr Judith Davis . Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 27 December, 2021 . Good news; if you want cover to continue with us and to make sure you stay protected by our award-winning cover, you do not need to do anything. We will update your policy onto our latest wording and continue to collect payment using the payment details we have for you. You must read the important information contained in this email and the attached documents Your Hiscox Insurance Premium breakdown The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). The amount shown as last year’s Annual premium will take into account any changes to the cover which may have been made during the last policy period. Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) Professional indemnity £129.57 £129.57 Legal protection £6,367.94 £6,367.94 Crisis containment £0.00 Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government increase in Insurance Premium Tax as shown. Is our information correct? Your premium and cover are based on what you’ve told us about Davis-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 27 December, 2021 . We’re here between 8:30am - 5:30pm Monday to Friday . Please note that we can only discuss policy changes with people named on the policy. Why renew with Hiscox - Reassuring: we offer a range of cover options that can be tailored to your needs - Flexible: we offer full flexibility to change your policy, with no administration fees - Award-winning cover : we’ve been named Best Small Business Insurer 7 years running by Start Your Business Magazine Please click this link for the Hiscox Referral Portal: https://refer.aklamio.com/hiscox/uk?source=postpurchase Thank you again for choosing Hiscox to insure your business. We hope you and your business have a very successful year. Kind regards Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 27 December, 2021 . Good news; if you want cover to continue with us and to make sure you stay protected by our award-winning cover, you do not need to do anything. We will update your policy onto our latest wording and continue to collect payment using the payment details we have for you. You must read the important information contained in this email and the attached documents Your Hiscox Insurance Premium breakdown The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). The amount shown as last year’s Annual premium will take into account any changes to the cover which may have been made during the last policy period. Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) Professional indemnity £129.57 £129.57 Legal protection £6,367.94 £6,367.94 Crisis containment £0.00 Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government increase in Insurance Premium Tax as shown. Is our information correct? Your premium and cover are based on what you’ve told us about Davis-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 27 December, 2021 . We’re here between 8:30am - 5:30pm Monday to Friday . Please note that we can only discuss policy changes with people named on the policy. Why renew with Hiscox - Reassuring: we offer a range of cover options that can be tailored to your needs - Flexible: we offer full flexibility to change your policy, with no administration fees - Award-winning cover : we’ve been named Best Small Business Insurer 7 years running by Start Your Business Magazine Please click this link for the Hiscox Referral Portal: https://refer.aklamio.com/hiscox/uk?source=postpurchase Thank you again for choosing Hiscox to insure your business. We hope you and your business have a very successful year. Kind regards Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Your Hiscox Insurance Premium breakdown The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). Cover Professional indemnity Legal protection Crisis containment . Last year’s annual premium (exc IPT) £129.57 £6,367.94 £0.00 . This year’s annual Premium (exc IPT) £129.57 £6,367.94 . Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) . Professional indemnity £129.57 £129.57 . Legal protection £6,367.94 £6,367.94 . 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 Judith Davis 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 09/04/19 £6,561.53 Where your chosen collection date falls ona non-working day then we will endeavour to collect the next working day. For your information, the collections will be made using the following reference number: Originator Identification Number: 293461 Reference Number: TUT_7._2385QZ 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 Davis-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:TUT_7._2385QZ Name of policy holder:Davis-Williams Period of insurance: From 27 December, 2021 to Mon 17 January, 2022 both days inclusive. This policy isa Continuing cover policy Insurer: Hiscox Insurance Company Limited Retroactive date: 09 October, 2019 Level of cover:£1,000,000 Signed on behalf of Hiscox Underwriting Limited as agent for the insurers Jon Dye CEO, Hiscox UK Notes: (a) This insurance is subject to policy terms and conditions and any special terms notified to the InsuredPage / 1 Hiscox Business Insurance Policy Schedule 14502 10/18 This schedule tells you what is insured with us. It should be read carefully with your policy wording(s) and statement of fact detailed elsewhere in this document. Schedule effective date: 27 December, 2021 Insurance details Policy number: TUT_7._2385QZ Period of insurance: From 27 December, 2021 to Mon 17 January, 2022 both days inclusive. This policy isa Continuing cover policy. Insured: Davis-Williams Address: Flat 4 Thomas prairie Lyndaville FARNHAM L2E 1BN Additional insureds: None Business: Management Consultants Premium details Charged premium – the total amount you’ll pay for this policy. Charged premium: £3,189.50 Insurance Premium Tax (IPT): £7,108.67 Total charged premium: £6,561.53 Annualised premium – the annual premium for this policy. This is given for comparison purposes. Please refer to the charged premium section for the amount you’ll pay for the policy. Annual premium: £3,189.50 Insurance Premium Tax (IPT): £7,108.67 Annual total: £6,561.53 Please note that there will be no refund or additional premium for any transaction which is less than £20 (excluding IPT). Hiscox Business Insurance Policy Schedule 14502 10/18 Summary Claims information If you need to make a claim: - For claims relating to your building or contents please contact our claims team on 0800 247 1902, 9.00am – 5:30pm Monday to Friday. If you wish to make a claim online, you can log most claims quickly and easily through our claims notification portal at https://claims.hiscox.co.uk/. Outside of normal business hours, if you require emergency assistance in relation to substantial damage to your property, you can speak to our 24-hour emergency assistance team using the telephone number above. Your policy schedule will state if property cover is included in your policy. Our out-of-hours emergency assistance team operate ona pay-and-claim basis and you will need to have credit card details available as appropriate. The team will then be able to direct you to essential tradesmen, emergency loss adjusters or disaster management companies in the event of substantial damage. - If there isa claim (or potential claim) against you bya third party, please email us at liability.claims@hiscox.com. If you need to speak to a member of the claims team urgently, please call our team on 0800 711 7156, 9.00am – 5:30pm Monday to Friday. If you wish to make a claim online, you can log most claims quickly and easily through our claims notification portal at https://claims.hiscox.co.uk/. You will need to provide your full name and contact details, the name of your business or organisation, your address and postcode, the policy reference and circumstances of the claim. The Important information and contact details section below contains additional information specific to the covers applicable to your policy. If you are unsure of who to contact please call our team on 0800 711 7156, 9.00am – 5:30pm Monday to Friday. They will ensure you get through to the correct claims team and let you know what actions you need to take. If anything happens that might be covered under the policy, you must comply with the obligations set out in General claims conditions, together with the obligations set out under Your obligations in the section or sections under which you are making the claim. Itis important that you read the policy for details of its terms in full. Your covers This isa summary of each section of your policy. See each section for cover details. Cover Insurance amount Excess Annual Premium (exc IPT) Professional indemnity £1,000,000 £1,000 £129.57 Legal protection £100,000 £0 £6,367.94 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 December, 2021 Limit of indemnity £1,000,000 Limit applies to in the aggregate, including all costs Excess £1,000 Excess applies to each and every claim or loss, including all costs Geographical limits Worldwide Applicable courts Worldwide (excluding United States of America and Canada) Claims brought in USA or Canada Not covered Additional covers (in addition to overall limit of indemnity stated above) Cover Limit of indemnity Limit applies to Court attendance compensation - employees £250 per person, per day Court attendance compensation - directors and partners£500 per person, per day Court attendance compensation: in total £100,000 in the aggregate Special limits (included within not in addition to the overall limit of indemnity stated above) Cover Limit of indemnity Limit applies to Personal data claims £250,000 in the aggregate, including all costs Business activities Business managementPage / 2 consultant Retroactive date 09 October, 2019 Insurer Hiscox Insurance Company LimitedPage / 1 Hiscox Insurance Summary of change Introduction This document has been created to help you understand the key changes to your Hiscox Insurance policy and how they may impact you. Your policy continues to offer professional, tailored insurance to protect you and give you peace of mind that if you need us, you will be supported by our award winning claims team. If you have a query not covered by this document, or if you have any questions or concerns about your policy you should contact us. Frequently asked questions What if my circumstances change during the period of insurance? If your circumstances change during the period of insurance, you only need to let us know if the change means that any of the information in the Statement of Fact is no longer true, complete and accurate. If there are no such changes, you do not need to let us know. If any of the information within the Statement of Fact becomes no longer complete, true or accurate at any point during the period of insurance you must tell us as it may affect the validity of the policy or our ability to pay a claim. Additionally, if your contact details change then you should let us know straightaway. Where doI find the limits that apply to my policy? You can find your maximum allowable limits for turnover and wage rollin your Statement of Fact. You must check this information and tell us or your broker if you expect to exceed the maximum amounts shown. Please note these values may have changed. If there are special limits or special excesses applying to particular covers or types of losses these will be shown in the policy schedule. Please check your policy schedule carefully as they may have changed. My new schedule shows a different premium to last year? What has changed? If an underwriter has reviewed your policy then they may have manually adjusted your premium, for example if you’ve had claims in the last 12 months. Where doI find out about any endorsements on my policy? You will be able to see if an endorsement has been applied or removed by reviewing your Policy Schedule. If you have any queries or concerns, please contact us or your broker if you have one. Hiscox Insurance Summary of change Professional indemnity for business management consultants Summary of change Changes to the cover The following table shows the differences between our new policy wordings (5570 WD- PROF-UK-MAN(7), 15579 WD-PROF-UK-MAN-AG(3)) and our previous wordings (5570 WD-PROF-UK-MAN(6), 15579 WD-PROF-UK-MAN-AG(2)). This isa summary of the changes only. You should refer to the schedule and policy wording for the full description of the cover in place. Area of cover Previous policy New policy Improvement in cover Claims against you Advertising claims. We will pay claims arising from your advertising or branding for defamation or infringement of copyright or moral rights. This does not include claims for passing off, unauthorised use of trademarks or false or misleading advertising. Previously cover was not restricted to defamation or the infringement of copyright or moral rights.Covered Amended Your own lossesChanges to ‘what is covered’ Losses from dishonesty. Your losses arising from the dishonesty of your employees, sub-contractors or outsourcers.Covered Not covered Area of cover Previous policy New policy Improvement in cover Cyber incident. We will not pay claims relating to an actual or possible cyber attack, hacker or social engineering communication. Previously we excluded any virus not specifically targeted at your system.Covered Not covered Computer or digital technology error. We will not pay claims arising from any negligent act, error or omission in the operation or maintenance of computer or digital technology such as development, installation, patching or upgrading.Covered Not coveredChanges to ‘what is not covered’ Infrastructure. We will not pay claims arising from the failure of the service provided by internet, telecommunications, utilities or other infrastructure providers.Covered Not covered Hiscox Insurance Summary of change Personal data. We will not pay claims relating to personal data. We will pay such claims where they arise from your performance ofa business activity and which is not otherwise excluded. Subject to the limit shown in the schedule.Covered Not covered Other important changes Control of defence. Under the previous wording we had a duty to defend you against any covered claim brought against you. We now have the right but not the obligation to take control of the conduct of the claim including the appointment of legal representation. Please refer to the policy wording for full details. SOC-PROF-UK-MAN(1) 21367 01/21
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TUT_7._2385QZ
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(?<=Policy number - )[-\w_\/\.]+?(?= Company name)
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27 December, 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 - H3/EK0B-F-0XOHR8 Company name: Davis Group It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : H3/EK0B-F-0XOHR8. Company name: Davis Group. Your Hiscox Insurance premium. Last year’s annual premium: This year’s annual premium. £ 6,439.42. £ 6,439.42. The premium includes all applicable insurance premium tax (IPT). Dear Miss Jade Hopkins. Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 10 January, 2026 . Good news; if you want cover to continue with us and to make sure you stay protected by our award-winning cover, you do not need to do anything. We will update your policy onto our latest wording and continue to collect payment using the payment details we have for you. You must read the important information contained in this email and the attached documents. Your Hiscox Insurance Premium breakdown. The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). The amount shown as last year’s Annual premium will take into account any changes to the cover which may have been made during the last policy period. Cover. Last year’s annual premium (exc IPT). This year’s annual Premium (exc IPT). Professional indemnity. £4,897.26. £4,897.26. Legal protection. £4,915.47. £4,915.47. Crisis containment. £0.00. Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy . Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government increase in Insurance Premium Tax as shown. Is our information correct? Your premium and cover are based on what you’ve told us about Davis 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 10 January, 2026 . We’re here between 8:30am - 5:30pm Monday to Friday . Please note that we can only discuss policy changes with people named on the policy. Why renew with Hiscox. - Reassuring: we offer a range of cover options that can be tailored to your needs. - Flexible: we offer full flexibility to change your policy, with no administration fees . - Award-winning cover : we’ve been named Best Small Business Insurer 7 years running by Start Your Business Magazine . Please click this link for the Hiscox Referral Portal: https://refer.aklamio.com/hiscox/uk?source=postpurchase. Thank you again for choosing Hiscox to insure your business. We hope you and your business have a very successful year. Kind regards. Jon Dye. CEO, Hiscox UK. Business Insurance for the small and the brave. To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre. Hiscox Underwriting 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 : H3/EK0B-F-0XOHR8 Company name: Davis Group . It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : H3/EK0B-F-0XOHR8 Company name: Davis Group . Your Hiscox Insurance premium Last year’s annual premium: This year’s annual premium The premium includes all applicable insurance premium tax (IPT). £ 6,439.42 £ 6,439.42 . Your Hiscox Insurance premium . Last year’s annual premium: This year’s annual premium £ 6,439.42 £ 6,439.42 . The premium includes all applicable insurance premium tax (IPT). Dear Miss Jade Hopkins . Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 10 January, 2026 . Good news; if you want cover to continue with us and to make sure you stay protected by our award-winning cover, you do not need to do anything. We will update your policy onto our latest wording and continue to collect payment using the payment details we have for you. You must read the important information contained in this email and the attached documents Your Hiscox Insurance Premium breakdown The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). The amount shown as last year’s Annual premium will take into account any changes to the cover which may have been made during the last policy period. Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) Professional indemnity £4,897.26 £4,897.26 Legal protection £4,915.47 £4,915.47 Crisis containment £0.00 Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government increase in Insurance Premium Tax as shown. Is our information correct? Your premium and cover are based on what you’ve told us about Davis 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 10 January, 2026 . We’re here between 8:30am - 5:30pm Monday to Friday . Please note that we can only discuss policy changes with people named on the policy. Why renew with Hiscox - Reassuring: we offer a range of cover options that can be tailored to your needs - Flexible: we offer full flexibility to change your policy, with no administration fees - Award-winning cover : we’ve been named Best Small Business Insurer 7 years running by Start Your Business Magazine Please click this link for the Hiscox Referral Portal: https://refer.aklamio.com/hiscox/uk?source=postpurchase Thank you again for choosing Hiscox to insure your business. We hope you and your business have a very successful year. Kind regards Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre Hiscox Underwriting Ltd of 1 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 January, 2026 . Good news; if you want cover to continue with us and to make sure you stay protected by our award-winning cover, you do not need to do anything. We will update your policy onto our latest wording and continue to collect payment using the payment details we have for you. You must read the important information contained in this email and the attached documents Your Hiscox Insurance Premium breakdown The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). The amount shown as last year’s Annual premium will take into account any changes to the cover which may have been made during the last policy period. Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) Professional indemnity £4,897.26 £4,897.26 Legal protection £4,915.47 £4,915.47 Crisis containment £0.00 Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government increase in Insurance Premium Tax as shown. Is our information correct? Your premium and cover are based on what you’ve told us about Davis 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 10 January, 2026 . We’re here between 8:30am - 5:30pm Monday to Friday . Please note that we can only discuss policy changes with people named on the policy. Why renew with Hiscox - Reassuring: we offer a range of cover options that can be tailored to your needs - Flexible: we offer full flexibility to change your policy, with no administration fees - Award-winning cover : we’ve been named Best Small Business Insurer 7 years running by Start Your Business Magazine Please click this link for the Hiscox Referral Portal: https://refer.aklamio.com/hiscox/uk?source=postpurchase Thank you again for choosing Hiscox to insure your business. We hope you and your business have a very successful year. Kind regards Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre Hiscox Underwriting 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) £4,897.26 £4,915.47 £0.00 . This year’s annual Premium (exc IPT) £4,897.26 £4,915.47 . Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) . Professional indemnity £4,897.26 £4,897.26 . Legal protection £4,915.47 £4,915.47 . 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: Jade Hopkins Frequency of collection: Annual Sort code: %BANK_SORT_CODE_1% Account number: %BANK_ACCOUNT_NUMBER_1% Your Direct Debit schedule We will take payments on the dates outlined below: Date Amount 18/02/2020 £6,439.42 Where your chosen collection date falls ona non-working day then we will endeavour to collect the next working day. For your information, the collections will be made using the following reference number: Originator Identification Number: 293461 Reference Number: H3/EK0B-F-0XOHR8 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 Davis 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:H3/EK0B-F-0XOHR8 Name of policy holder:Davis Group Period of insurance: From 10 January, 2026 to 14 December, 2020 both days inclusive. This policy isa Continuing cover policy Insurer: Hiscox Insurance Company Limited Retroactive date: 2021-02-17 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: 10 January, 2026 Insurance details Policy number: H3/EK0B-F-0XOHR8 Period of insurance: From 10 January, 2026 to 14 December, 2020 both days inclusive. This policy isa Continuing cover policy. Insured: Davis Group Address: Studio 5 Hughes trail Eleanorfurt FARNHAM DA7A 6GX Additional insureds: None Business: Management Consultants Premium details Charged premium – the total amount you’ll pay for this policy. Charged premium: £322.63 Insurance Premium Tax (IPT): £2,689.89 Total charged premium: £6,439.42 Annualised premium – the annual premium for this policy. This is given for comparison purposes. Please refer to the charged premium section for the amount you’ll pay for the policy. Annual premium: £322.63 Insurance Premium Tax (IPT): £2,689.89 Annual total: £6,439.42 Please note that there will be no refund or additional premium for any transaction which is less than £20 (excluding IPT). Hiscox Business Insurance Policy Schedule 14502 10/18 Summary Claims information If you need to make a claim: - For claims relating to your building or contents please contact our claims team on 0800 247 1902, 9.00am – 5:30pm Monday to Friday. If you wish to make a claim online, you can log most claims quickly and easily through our claims notification portal at https://claims.hiscox.co.uk/. Outside of normal business hours, if you require emergency assistance in relation to substantial damage to your property, you can speak to our 24-hour emergency assistance team using the telephone number above. Your policy schedule will state if property cover is included in your policy. Our out-of-hours emergency assistance team operate ona pay-and-claim basis and you will need to have credit card details available as appropriate. The team will then be able to direct you to essential tradesmen, emergency loss adjusters or disaster management companies in the event of substantial damage. - If there isa claim (or potential claim) against you bya third party, please email us at liability.claims@hiscox.com. If you need to speak to a member of the claims team urgently, please call our team on 0800 711 7156, 9.00am – 5:30pm Monday to Friday. If you wish to make a claim online, you can log most claims quickly and easily through our claims notification portal at https://claims.hiscox.co.uk/. You will need to provide your full name and contact details, the name of your business or organisation, your address and postcode, the policy reference and circumstances of the claim. The Important information and contact details section below contains additional information specific to the covers applicable to your policy. If you are unsure of who to contact please call our team on 0800 711 7156, 9.00am – 5:30pm Monday to Friday. They will ensure you get through to the correct claims team and let you know what actions you need to take. If anything happens that might be covered under the policy, you must comply with the obligations set out in General claims conditions, together with the obligations set out under Your obligations in the section or sections under which you are making the claim. Itis important that you read the policy for details of its terms in full. Your covers This isa summary of each section of your policy. See each section for cover details. Cover Insurance amount Excess Annual Premium (exc IPT) Professional indemnity £1,000,000 £1,000 £4,897.26 Legal protection £100,000 £0 £4,915.47 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 January, 2026 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 2021-02-17 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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H3/EK0B-F-0XOHR8
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(?<=Policy number - )[-\w_\/\.]+?(?= Company name)
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10 January, 2026
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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 - 24/8/MZ Company name: Ford, Lowe and Wilkinson It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : 24/8/MZ. Company name: Ford, Lowe and Wilkinson. Your Hiscox Insurance premium. Last year’s annual premium: This year’s annual premium. £ 5,330.10. £ 5,330.10. The premium includes all applicable insurance premium tax (IPT). Dear Miss Dr Mitchell Powell. Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 19 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. £5,954.44. £5,954.44. Legal protection. £2,558.25. £2,558.25. 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 Ford, Lowe and Wilkinson , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay. . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover. Policy summary for each cover. ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover . As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, 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 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 : 24/8/MZ Company name: Ford, Lowe and Wilkinson . It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : 24/8/MZ Company name: Ford, Lowe and Wilkinson . Your Hiscox Insurance premium Last year’s annual premium: This year’s annual premium The premium includes all applicable insurance premium tax (IPT). £ 5,330.10 £ 5,330.10 . Your Hiscox Insurance premium . Last year’s annual premium: This year’s annual premium £ 5,330.10 £ 5,330.10 . The premium includes all applicable insurance premium tax (IPT). Dear Miss Dr Mitchell Powell . Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 19 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 £5,954.44 £5,954.44 Legal protection £2,558.25 £2,558.25 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 Ford, Lowe and Wilkinson , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover Policy summary for each cover ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, 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 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 19 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 £5,954.44 £5,954.44 Legal protection £2,558.25 £2,558.25 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 Ford, Lowe and Wilkinson , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover Policy summary for each cover ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, 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 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) £5,954.44 £2,558.25 £0.00 . This year’s annual Premium (exc IPT) £5,954.44 £2,558.25 . Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) . Professional indemnity £5,954.44 £5,954.44 . Legal protection £2,558.25 £2,558.25 . 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 Mitchell 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 31 October, 2020 £5,330.10 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: 24/8/MZ If you have any questions about your policy or payments, please call us on 0800 280 0351. We’re here between 8:30am - 5:30pm Monday to Friday or you can email us at service@hiscox.co.uk. Using your personal information Hiscox isa trading name ofa number of Hiscox companies. The specific company acting asa data controller of your personal information will be listed in the documentation we provide to you. If you are unsure you can also contact us at anytime by telephoning 01904 681198 or by emailing us at dataprotectionofficer@hiscox.com. We collect and process information about you in order to provide insurance policies and to process claims. Your information is also used for business purposes such as fraud prevention and detection and financial management. This may involve sharing your information with, and obtaining information about you from, our group companies and third parties such as brokers, loss adjusters, credit reference agencies, service providers, professional advisors, our regulators or fraud prevention agencies. We may record telephone calls to help us monitor and improve the service we provide. For further information on how your information is used and your rights in relation to your information please see our privacy policy at www.hiscox.co.uk/cookies-privacy. The Direct Debit Guarantee This Guarantee is offered by all banks and building societies that accept instructions to pay Direct Debits. If there are any changes to the amount, date or frequency of your Direct Debit Hiscox Underwriting Ltd will notify you ten working days in advance of your account being debited or as otherwise agreed. If you request Hiscox Underwriting Ltd to collect a payment, confirmation of the amount and date will be given to you at the time of the request. If an error is made in the payment of your Direct Debit by Hiscox Underwriting Ltd or your bank or building society you are entitled to a full and immediate refund of the amount paid from your bank or building society. – If you receive a refund you are not entitled to, you must pay it back when Hiscox Underwriting Ltd asks you to. You can cancel a Direct Debit at anytime by simply contacting your bank or building society. Written confirmation maybe required. Please also notify us. Page / 1 Hiscox Business Insurance Policy summary JAC-PSC-UK-DC556(5.4) 17431b 07/20 Your Hiscox Business Insurance policy summaries This document contains the summaries for any policy covers you have selected to protect your business. These summaries outline the key information about your policies so you can be confident that you have understood what you have bought and what you are covered for. However, you should carefully read your policy in full and ensure that you understand its terms and conditions in full. If you have any queries, you should contact Hiscox or your insurance advisor. Your side of the bargain Remember, your premium and insurance are based on the details you have provided to us. Please make sure this information accurately reflects your business and that you inform us immediately if anything needs to change. Please also tell us of any changes in circumstances that may affect the services provided by us or the cover provided by your policy. This is particularly important before taking out a policy, but it also applies throughout the life of the policy too. You need to consider: ■if you fail to fairly present the risk to us, including by failing to disclose any information material to the insurance, you could invalidate the policy, claims may not be paid or the amount we pay maybe reduced; ■you should read and check all insurance documents to ensure that you are aware of the cover, limits and other terms that apply; ■if you fail to let us know of any changes to your circumstances during the period of insurance or, if when telling us about such changes you fail to present the risk to us fairly, you could invalidate the policy, claims may not be paid or the amount we pay maybe reduced; ■please be aware of all terms and conditions of your policy because failure to comply with them could invalidate it or result in us not paying a claim or reducing the amount we pay; ■in the event ofa claim, you should take note of the required procedures, such as giving Hiscox prompt notice of the claims, as stated in the policy documentation. In particular, if you fail to notify us when you first become aware ofa shortcoming, fact, or problem, admit you are liable for what has happened or appoint solicitors or other legal representation without our prior written approval, claims or defence costs may not be paid or the amount we pay maybe reduced; ■as with any insurance, you have an obligation to take reasonable steps to mitigate any loss or liability; ■if you make a fraudulent claim or try to deceive us, we may terminate the policy. Policy length The period of insurance is shown on your policy schedule. Your policy schedule will also show if the policy is ona continuing cover basis. If itis ona continuing cover basis, we will renew your policy each year for another 12 months and continue to take payment (including any premium adjustment shown in your renewal invitation) using your existing arrangement, unless you tell us otherwise or if your risk changes. If your policy schedule does not show that the policy is ona continuing cover basis, cover will cease at the end of the period of insurance, unless you renew your policy with us. We will provide you witha statement of fact each year and provided that the information contained within the statement of fact is true, complete and accurate, you do not need to provide us with any further information. If any of the information in your statement of fact is not true, complete and accurate, you must let us know. If you do not let us know, it may affect the validity of the policy or our ability to pay a claim. Retroactive dates, geographical and jurisdiction limits Where any section of your policy schedule includes a retroactive date, we will not make any payment for any claim or loss under that section which arises from any activity performed or any act, incident or occurrence taking place, before the retroactive date. Where any section of your policy schedule shows the geographical limits which apply to that section of the policy, we will only pay for claims and losses under that section which arise from activities performed or acts, incidents or occurrences taking place within those geographical limits. Where any section provides cover in respect of your liability to third parties, we will only cover claims first made ina country within the applicable courts stated in that section of your policy schedule. Hiscox Business Insurance Policy summary JAC-PSC-UK-DC556(5.4) 17431b 07/20 Cancellation rights You can cancel this policy by giving us 30 days' notice. You will only be charged for the premiums due up to the date of cancellation. If we need to cancel the policy, we’ll give you 30 days’ notice in writing and refund any surplus premiums you might have paid. Please note – we may deduct an administration fee from any refunded payment.There is an exception to our 30-day notice period, which is triggered when we don’t receive your Direct Debit payments within the agreed 14-day period. At this point, we will contact you as soon as possible and stop the policyPage / 2 immediately. Underwritten by:Hiscox Underwriting Ltd on behalf of the insurers named in the schedule. Page / 1 Certificate of professional indemnity insurance Ford, Lowe and Wilkinson Hiscox Underwriting 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:24/8/MZ Name of policy holder:Ford, Lowe and Wilkinson Period of insurance: From 19 November, 2019 to 21/01/20 both days inclusive. This policy isa Continuing cover policy Insurer: Hiscox Insurance Company Limited Retroactive date: 2022-03-05 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 November, 2019 Insurance details Policy number: 24/8/MZ Period of insurance: From 19 November, 2019 to 21/01/20 both days inclusive. This policy isa Continuing cover policy. Insured: Ford, Lowe and Wilkinson Address: 2 Dylan brooks East Liam FARNHAM WD4X 0ZF Additional insureds: None Business: Management Consultants Premium details Charged premium – the total amount you’ll pay for this policy. Charged premium: £9,737.59 Insurance Premium Tax (IPT): £6,362.23 Total charged premium: £5,330.10 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: £9,737.59 Insurance Premium Tax (IPT): £6,362.23 Annual total: £5,330.10 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 £5,954.44 Legal protection £100,000 £0 £2,558.25 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: 19 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 2022-03-05 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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24/8/MZ
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(?<=Policy number - )[-\w_\/\.]+?(?= Company name)
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19 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 - 7G/GB/J5OKQD48NT Company name: Williams Inc It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : 7G/GB/J5OKQD48NT. Company name: Williams Inc. Your Hiscox Insurance premium. Last year’s annual premium: This year’s annual premium. £ 3,642.00. £ 3,642.00. The premium includes all applicable insurance premium tax (IPT). Dear Mr Dr Glenn Williams. Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on Thu 19 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. £6,827.60. £6,827.60. Legal protection. £1,306.30. £1,306.30. 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 Williams 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 Thu 19 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 : 7G/GB/J5OKQD48NT Company name: Williams Inc . It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : 7G/GB/J5OKQD48NT Company name: Williams Inc . Your Hiscox Insurance premium Last year’s annual premium: This year’s annual premium The premium includes all applicable insurance premium tax (IPT). £ 3,642.00 £ 3,642.00 . Your Hiscox Insurance premium . Last year’s annual premium: This year’s annual premium £ 3,642.00 £ 3,642.00 . The premium includes all applicable insurance premium tax (IPT). Dear Mr Dr Glenn Williams . Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on Thu 19 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 £6,827.60 £6,827.60 Legal protection £1,306.30 £1,306.30 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 Williams 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 Thu 19 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 Thu 19 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 £6,827.60 £6,827.60 Legal protection £1,306.30 £1,306.30 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 Williams 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 Thu 19 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) £6,827.60 £1,306.30 £0.00 . This year’s annual Premium (exc IPT) £6,827.60 £1,306.30 . Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) . Professional indemnity £6,827.60 £6,827.60 . Legal protection £1,306.30 £1,306.30 . 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: Dr Glenn 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 09/08/20 £3,642.00 Where your chosen collection date falls ona non-working day then we will endeavour to collect the next working day. For your information, the collections will be made using the following reference number: Originator Identification Number: 293461 Reference Number: 7G/GB/J5OKQD48NT 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 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:7G/GB/J5OKQD48NT Name of policy holder:Williams Inc Period of insurance: From Thu 19 June, 2025 to Thu 13 October, 2022 both days inclusive. This policy isa Continuing cover policy Insurer: Hiscox Insurance Company Limited Retroactive date: Wednesday 28 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: Thu 19 June, 2025 Insurance details Policy number: 7G/GB/J5OKQD48NT Period of insurance: From Thu 19 June, 2025 to Thu 13 October, 2022 both days inclusive. This policy isa Continuing cover policy. Insured: Williams Inc Address: Studio 22 Duncan ways Port Jean FARNHAM GY2 1XG Additional insureds: None Business: Management Consultants Premium details Charged premium – the total amount you’ll pay for this policy. Charged premium: £9,840.75 Insurance Premium Tax (IPT): £8,098.25 Total charged premium: £3,642.00 Annualised premium – the annual premium for this policy. This is given for comparison purposes. Please refer to the charged premium section for the amount you’ll pay for the policy. Annual premium: £9,840.75 Insurance Premium Tax (IPT): £8,098.25 Annual total: £3,642.00 Please note that there will be no refund or additional premium for any transaction which is less than £20 (excluding IPT). Hiscox Business Insurance Policy Schedule 14502 10/18 Summary Claims information If you need to make a claim: - For claims relating to your building or contents please contact our claims team on 0800 247 1902, 9.00am – 5:30pm Monday to Friday. If you wish to make a claim online, you can log most claims quickly and easily through our claims notification portal at https://claims.hiscox.co.uk/. Outside of normal business hours, if you require emergency assistance in relation to substantial damage to your property, you can speak to our 24-hour emergency assistance team using the telephone number above. Your policy schedule will state if property cover is included in your policy. Our out-of-hours emergency assistance team operate ona pay-and-claim basis and you will need to have credit card details available as appropriate. The team will then be able to direct you to essential tradesmen, emergency loss adjusters or disaster management companies in the event of substantial damage. - If there isa claim (or potential claim) against you bya third party, please email us at liability.claims@hiscox.com. If you need to speak to a member of the claims team urgently, please call our team on 0800 711 7156, 9.00am – 5:30pm Monday to Friday. If you wish to make a claim online, you can log most claims quickly and easily through our claims notification portal at https://claims.hiscox.co.uk/. You will need to provide your full name and contact details, the name of your business or organisation, your address and postcode, the policy reference and circumstances of the claim. The Important information and contact details section below contains additional information specific to the covers applicable to your policy. If you are unsure of who to contact please call our team on 0800 711 7156, 9.00am – 5:30pm Monday to Friday. They will ensure you get through to the correct claims team and let you know what actions you need to take. If anything happens that might be covered under the policy, you must comply with the obligations set out in General claims conditions, together with the obligations set out under Your obligations in the section or sections under which you are making the claim. Itis important that you read the policy for details of its terms in full. Your covers This isa summary of each section of your policy. See each section for cover details. Cover Insurance amount Excess Annual Premium (exc IPT) Professional indemnity £1,000,000 £1,000 £6,827.60 Legal protection £100,000 £0 £1,306.30 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: Thu 19 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 Wednesday 28 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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7G/GB/J5OKQD48NT
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(?<=Policy number - )[-\w_\/\.]+?(?= Company name)
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Thu 19 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 - xitvskxpcpf Company name: Sharp Ltd It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : xitvskxpcpf. Company name: Sharp Ltd. Your Hiscox Insurance premium. Last year’s annual premium: This year’s annual premium. £ 4,952.09. £ 4,952.09. The premium includes all applicable insurance premium tax (IPT). Dear Mr Gordon Hutchinson. Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 12/10/2025 . 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. £2,296.56. £2,296.56. Legal protection. £9,454.11. £9,454.11. Crisis containment. £0.00. Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy . Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government increase in Insurance Premium Tax as shown. Is our information correct? Your premium and cover are based on what you’ve told us about Sharp 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 12/10/2025 . 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 : xitvskxpcpf Company name: Sharp Ltd . It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : xitvskxpcpf Company name: Sharp Ltd . Your Hiscox Insurance premium Last year’s annual premium: This year’s annual premium The premium includes all applicable insurance premium tax (IPT). £ 4,952.09 £ 4,952.09 . Your Hiscox Insurance premium . Last year’s annual premium: This year’s annual premium £ 4,952.09 £ 4,952.09 . The premium includes all applicable insurance premium tax (IPT). Dear Mr Gordon Hutchinson . Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 12/10/2025 . 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 £2,296.56 £2,296.56 Legal protection £9,454.11 £9,454.11 Crisis containment £0.00 Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government increase in Insurance Premium Tax as shown. Is our information correct? Your premium and cover are based on what you’ve told us about Sharp 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 12/10/2025 . 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 12/10/2025 . 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 £2,296.56 £2,296.56 Legal protection £9,454.11 £9,454.11 Crisis containment £0.00 Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government increase in Insurance Premium Tax as shown. Is our information correct? Your premium and cover are based on what you’ve told us about Sharp 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 12/10/2025 . 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) £2,296.56 £9,454.11 £0.00 . This year’s annual Premium (exc IPT) £2,296.56 £9,454.11 . Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) . Professional indemnity £2,296.56 £2,296.56 . Legal protection £9,454.11 £9,454.11 . Crisis containment £0.00 . Kind regards Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre . Kind regards . Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave . To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre . Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Page / 1 Hiscox Business Insurance Policy wording 17431a - DC565 WORDING 04/17Guide to sectionsIntroduction Policy wordings General terms and conditions Professional indemnity for business management consultants Legal protection Crisis containment Hiscox Business Insurance Policy wording 17431a - DC565 WORDING 04/17IntroductionThank you for choosing Hiscox to protect your business. We hope that the language and layout of this policy wording are clear because we want you to understand the insurance we provide as well as the responsibilities we have to each other. Please read this document, including the policy schedule, policy summary and statement of fact, and let us know as soon as possible if any of the details are shown incorrectly. We always try to deliver to the highest standards of service. Your views are important to us, so if you feel that our service is below the standard you would expect from Hiscox, please contact us on the phone number shown in your policy schedule. Please note that some of the words we use in this insurance are shown in bold type. These words are defined in each section of the wording. Page / 1 Hiscox Insurance Payment schedule Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Thank you for continuing to pay for your policy by Direct Debit. Please check these details and let us know if anything is incorrect or if the schedule is not suitable. Your reference details Account holder name: Gordon Hutchinson Frequency of collection: Annual Sort code: %BANK_SORT_CODE_1% Account number: %BANK_ACCOUNT_NUMBER_1% Your Direct Debit schedule We will take payments on the dates outlined below: Date Amount Wednesday 04 May, 2022 £4,952.09 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: xitvskxpcpf If you have any questions about your policy or payments, please call us on 0800 280 0351. We’re here between 8:30am - 5:30pm Monday to Friday or you can email us at service@hiscox.co.uk. Using your personal information Hiscox isa trading name ofa number of Hiscox companies. The specific company acting asa data controller of your personal information will be listed in the documentation we provide to you. If you are unsure you can also contact us at anytime by telephoning 01904 681198 or by emailing us at dataprotectionofficer@hiscox.com. We collect and process information about you in order to provide insurance policies and to process claims. Your information is also used for business purposes such as fraud prevention and detection and financial management. This may involve sharing your information with, and obtaining information about you from, our group companies and third parties such as brokers, loss adjusters, credit reference agencies, service providers, professional advisors, our regulators or fraud prevention agencies. We may record telephone calls to help us monitor and improve the service we provide. For further information on how your information is used and your rights in relation to your information please see our privacy policy at www.hiscox.co.uk/cookies-privacy. The Direct Debit Guarantee This Guarantee is offered by all banks and building societies that accept instructions to pay Direct Debits. If there are any changes to the amount, date or frequency of your Direct Debit Hiscox Underwriting Ltd will notify you ten working days in advance of your account being debited or as otherwise agreed. If you request Hiscox Underwriting Ltd to collect a payment, confirmation of the amount and date will be given to you at the time of the request. If an error is made in the payment of your Direct Debit by Hiscox Underwriting Ltd or your bank or building society you are entitled to a full and immediate refund of the amount paid from your bank or building society. – If you receive a refund you are not entitled to, you must pay it back when Hiscox Underwriting Ltd asks you to. You can cancel a Direct Debit at anytime by simply contacting your bank or building society. Written confirmation maybe required. Please also notify us. Page / 1 Hiscox Business Insurance Policy summary JAC-PSC-UK-DC556(5.4) 17431b 07/20 Your Hiscox Business Insurance policy summaries This document contains the summaries for any policy covers you have selected to protect your business. These summaries outline the key information about your policies so you can be confident that you have understood what you have bought and what you are covered for. However, you should carefully read your policy in full and ensure that you understand its terms and conditions in full. If you have any queries, you should contact Hiscox or your insurance advisor. Your side of the bargain Remember, your premium and insurance are based on the details you have provided to us. Please make sure this information accurately reflects your business and that you inform us immediately if anything needs to change. Please also tell us of any changes in circumstances that may affect the services provided by us or the cover provided by your policy. This is particularly important before taking out a policy, but it also applies throughout the life of the policy too. You need to consider: ■if you fail to fairly present the risk to us, including by failing to disclose any information material to the insurance, you could invalidate the policy, claims may not be paid or the amount we pay maybe reduced; ■you should read and check all insurance documents to ensure that you are aware of the cover, limits and other terms that apply; ■if you fail to let us know of any changes to your circumstances during the period of insurance or, if when telling us about such changes you fail to present the risk to us fairly, you could invalidate the policy, claims may not be paid or the amount we pay maybe reduced; ■please be aware of all terms and conditions of your policy because failure to comply with them could invalidate it or result in us not paying a claim or reducing the amount we pay; ■in the event ofa claim, you should take note of the required procedures, such as giving Hiscox prompt notice of the claims, as stated in the policy documentation. In particular, if you fail to notify us when you first become aware ofa shortcoming, fact, or problem, admit you are liable for what has happened or appoint solicitors or other legal representation without our prior written approval, claims or defence costs may not be paid or the amount we pay maybe reduced; ■as with any insurance, you have an obligation to take reasonable steps to mitigate any loss or liability; ■if you make a fraudulent claim or try to deceive us, we may terminate the policy. Policy length The period of insurance is shown on your policy schedule. Your policy schedule will also show if the policy is ona continuing cover basis. If itis ona continuing cover basis, we will renew your policy each year for another 12 months and continue to take payment (including any premium adjustment shown in your renewal invitation) using your existing arrangement, unless you tell us otherwise or if your risk changes. If your policy schedule does not show that the policy is ona continuing cover basis, cover will cease at the end of the period of insurance, unless you renew your policy with us. We will provide you witha statement of fact each year and provided that the information contained within the statement of fact is true, complete and accurate, you do not need to provide us with any further information. If any of the information in your statement of fact is not true, complete and accurate, you must let us know. If you do not let us know, it may affect the validity of the policy or our ability to pay a claim. Retroactive dates, geographical and jurisdiction limits Where any section of your policy schedule includes a retroactive date, we will not make any payment for any claim or loss under that section which arises from any activity performed or any act, incident or occurrence taking place, before the retroactive date. Where any section of your policy schedule shows the geographical limits which apply to that section of the policy, we will only pay for claims and losses under that section which arise from activities performed or acts, incidents or occurrences taking place within those geographical limits. Where any section provides cover in respect of your liability to third parties, we will only cover claims first made ina country within the applicable courts stated in that section of your policy schedule. Hiscox Business Insurance Policy summary JAC-PSC-UK-DC556(5.4) 17431b 07/20 Cancellation rights You can cancel this policy by giving us 30 days' notice. You will only be charged for the premiums due up to the date of cancellation. If we need to cancel the policy, we’ll give you 30 days’ notice in writing and refund any surplus premiums you might have paid. Please note – we may deduct an administration fee from any refunded payment.There is an exception to our 30-day notice period, which is triggered when we don’t receive your Direct Debit payments within the agreed 14-day period. At this point, we will contact you as soon as possible and stop the policyPage / 2 immediately. Underwritten by:Hiscox Underwriting Ltd on behalf of the insurers named in the schedule. Page / 1 Certificate of professional indemnity insurance Sharp 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:xitvskxpcpf Name of policy holder:Sharp Ltd Period of insurance: From 12/10/2025 to Thursday 27 January, 2022 both days inclusive. This policy isa Continuing cover policy Insurer: Hiscox Insurance Company Limited Retroactive date: 28/09/23 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: 12/10/2025 Insurance details Policy number: xitvskxpcpf Period of insurance: From 12/10/2025 to Thursday 27 January, 2022 both days inclusive. This policy isa Continuing cover policy. Insured: Sharp Ltd Address: Flat 94 Amanda branch New Marionstad FARNHAM G07 9WZ Additional insureds: None Business: Management Consultants Premium details Charged premium – the total amount you’ll pay for this policy. Charged premium: £4,870.23 Insurance Premium Tax (IPT): £9,219.47 Total charged premium: £4,952.09 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: £4,870.23 Insurance Premium Tax (IPT): £9,219.47 Annual total: £4,952.09 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 £2,296.56 Legal protection £100,000 £0 £9,454.11 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: 12/10/2025 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 28/09/23 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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xitvskxpcpf
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(?<=Policy number - )[-\w_\/\.]+?(?= Company name)
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12/10/2025
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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 - yktib.tc/v Company name: O'Connor LLC It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : yktib.tc/v. Company name: O'Connor LLC. Your Hiscox Insurance premium. Last year’s annual premium: This year’s annual premium. £ 2,569.59. £ 2,569.59. The premium includes all applicable insurance premium tax (IPT). Dear Dr Craig Miles. Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 16/04/2019 . 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. £4,021.86. £4,021.86. Legal protection. £3,752.34. £3,752.34. 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 O'Connor 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 16/04/2019 . 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 : yktib.tc/v Company name: O'Connor LLC . It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : yktib.tc/v Company name: O'Connor LLC . Your Hiscox Insurance premium Last year’s annual premium: This year’s annual premium The premium includes all applicable insurance premium tax (IPT). £ 2,569.59 £ 2,569.59 . Your Hiscox Insurance premium . Last year’s annual premium: This year’s annual premium £ 2,569.59 £ 2,569.59 . The premium includes all applicable insurance premium tax (IPT). Dear Dr Craig Miles . Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 16/04/2019 . 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 £4,021.86 £4,021.86 Legal protection £3,752.34 £3,752.34 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 O'Connor 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 16/04/2019 . 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 16/04/2019 . 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 £4,021.86 £4,021.86 Legal protection £3,752.34 £3,752.34 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 O'Connor 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 16/04/2019 . 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) £4,021.86 £3,752.34 £0.00 . This year’s annual Premium (exc IPT) £4,021.86 £3,752.34 . Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) . Professional indemnity £4,021.86 £4,021.86 . Legal protection £3,752.34 £3,752.34 . 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: Craig Miles 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 21/04/21 £2,569.59 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: yktib.tc/v 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'Connor 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:yktib.tc/v Name of policy holder:O'Connor LLC Period of insurance: From 16/04/2019 to 02/08/2021 both days inclusive. This policy isa Continuing cover policy Insurer: Hiscox Insurance Company Limited Retroactive date: Tue 25 August, 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: 16/04/2019 Insurance details Policy number: yktib.tc/v Period of insurance: From 16/04/2019 to 02/08/2021 both days inclusive. This policy isa Continuing cover policy. Insured: O'Connor LLC Address: 4 Smith freeway Thomaston FARNHAM SL6E 9GJ Additional insureds: None Business: Management Consultants Premium details Charged premium – the total amount you’ll pay for this policy. Charged premium: £3,082.02 Insurance Premium Tax (IPT): £6,968.52 Total charged premium: £2,569.59 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: £3,082.02 Insurance Premium Tax (IPT): £6,968.52 Annual total: £2,569.59 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 £4,021.86 Legal protection £100,000 £0 £3,752.34 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: 16/04/2019 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 Tue 25 August, 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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yktib.tc/v
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(?<=Policy number - )[-\w_\/\.]+?(?= Company name)
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16/04/2019
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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 - WWFA-._HIOXRFMSFXDKS Company name: Marsh Group It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : WWFA-._HIOXRFMSFXDKS. Company name: Marsh Group. Your Hiscox Insurance premium. Last year’s annual premium: This year’s annual premium. £ 7,677.11. £ 7,677.11. The premium includes all applicable insurance premium tax (IPT). Dear Dr Trevor Thomas. Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 05 April, 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. £5,096.49. £5,096.49. Legal protection. £3,193.05. £3,193.05. 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 Marsh Group , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay. . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover. Policy summary for each cover. ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover . As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before 05 April, 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 : WWFA-._HIOXRFMSFXDKS Company name: Marsh Group . It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : WWFA-._HIOXRFMSFXDKS Company name: Marsh Group . Your Hiscox Insurance premium Last year’s annual premium: This year’s annual premium The premium includes all applicable insurance premium tax (IPT). £ 7,677.11 £ 7,677.11 . Your Hiscox Insurance premium . Last year’s annual premium: This year’s annual premium £ 7,677.11 £ 7,677.11 . The premium includes all applicable insurance premium tax (IPT). Dear Dr Trevor Thomas . Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 05 April, 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 £5,096.49 £5,096.49 Legal protection £3,193.05 £3,193.05 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 Marsh Group , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover Policy summary for each cover ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before 05 April, 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 05 April, 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 £5,096.49 £5,096.49 Legal protection £3,193.05 £3,193.05 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 Marsh Group , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover Policy summary for each cover ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before 05 April, 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) £5,096.49 £3,193.05 £0.00 . This year’s annual Premium (exc IPT) £5,096.49 £3,193.05 . Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) . Professional indemnity £5,096.49 £5,096.49 . Legal protection £3,193.05 £3,193.05 . 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: Trevor 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 06 September, 2025 £7,677.11 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: WWFA-._HIOXRFMSFXDKS 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 Marsh 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:WWFA-._HIOXRFMSFXDKS Name of policy holder:Marsh Group Period of insurance: From 05 April, 2019 to 25/11/2021 both days inclusive. This policy isa Continuing cover policy Insurer: Hiscox Insurance Company Limited Retroactive date: Thursday 19 December, 2024 Level of cover:£1,000,000 Signed on behalf of Hiscox Underwriting Limited as agent for the insurers Jon Dye CEO, Hiscox UK Notes: (a) This insurance is subject to policy terms and conditions and any special terms notified to the InsuredPage / 1 Hiscox Business Insurance Policy Schedule 14502 10/18 This schedule tells you what is insured with us. It should be read carefully with your policy wording(s) and statement of fact detailed elsewhere in this document. Schedule effective date: 05 April, 2019 Insurance details Policy number: WWFA-._HIOXRFMSFXDKS Period of insurance: From 05 April, 2019 to 25/11/2021 both days inclusive. This policy isa Continuing cover policy. Insured: Marsh Group Address: Studio 01y John oval Stephanieside FARNHAM ST32 4FT Additional insureds: None Business: Management Consultants Premium details Charged premium – the total amount you’ll pay for this policy. Charged premium: £3,572.09 Insurance Premium Tax (IPT): £4,982.02 Total charged premium: £7,677.11 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: £3,572.09 Insurance Premium Tax (IPT): £4,982.02 Annual total: £7,677.11 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 £5,096.49 Legal protection £100,000 £0 £3,193.05 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: 05 April, 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 19 December, 2024 Insurer Hiscox Insurance Company LimitedPage / 1 Hiscox Insurance Summary of change Introduction This document has been created to help you understand the key changes to your Hiscox Insurance policy and how they may impact you. Your policy continues to offer professional, tailored insurance to protect you and give you peace of mind that if you need us, you will be supported by our award winning claims team. If you have a query not covered by this document, or if you have any questions or concerns about your policy you should contact us. Frequently asked questions What if my circumstances change during the period of insurance? If your circumstances change during the period of insurance, you only need to let us know if the change means that any of the information in the Statement of Fact is no longer true, complete and accurate. If there are no such changes, you do not need to let us know. If any of the information within the Statement of Fact becomes no longer complete, true or accurate at any point during the period of insurance you must tell us as it may affect the validity of the policy or our ability to pay a claim. Additionally, if your contact details change then you should let us know straightaway. Where doI find the limits that apply to my policy? You can find your maximum allowable limits for turnover and wage rollin your Statement of Fact. You must check this information and tell us or your broker if you expect to exceed the maximum amounts shown. Please note these values may have changed. If there are special limits or special excesses applying to particular covers or types of losses these will be shown in the policy schedule. Please check your policy schedule carefully as they may have changed. My new schedule shows a different premium to last year? What has changed? If an underwriter has reviewed your policy then they may have manually adjusted your premium, for example if you’ve had claims in the last 12 months. Where doI find out about any endorsements on my policy? You will be able to see if an endorsement has been applied or removed by reviewing your Policy Schedule. If you have any queries or concerns, please contact us or your broker if you have one. Hiscox Insurance Summary of change Professional indemnity for business management consultants Summary of change Changes to the cover The following table shows the differences between our new policy wordings (5570 WD- PROF-UK-MAN(7), 15579 WD-PROF-UK-MAN-AG(3)) and our previous wordings (5570 WD-PROF-UK-MAN(6), 15579 WD-PROF-UK-MAN-AG(2)). This isa summary of the changes only. You should refer to the schedule and policy wording for the full description of the cover in place. Area of cover Previous policy New policy Improvement in cover Claims against you Advertising claims. We will pay claims arising from your advertising or branding for defamation or infringement of copyright or moral rights. This does not include claims for passing off, unauthorised use of trademarks or false or misleading advertising. Previously cover was not restricted to defamation or the infringement of copyright or moral rights.Covered Amended Your own lossesChanges to ‘what is covered’ Losses from dishonesty. Your losses arising from the dishonesty of your employees, sub-contractors or outsourcers.Covered Not covered Area of cover Previous policy New policy Improvement in cover Cyber incident. We will not pay claims relating to an actual or possible cyber attack, hacker or social engineering communication. Previously we excluded any virus not specifically targeted at your system.Covered Not covered Computer or digital technology error. We will not pay claims arising from any negligent act, error or omission in the operation or maintenance of computer or digital technology such as development, installation, patching or upgrading.Covered Not coveredChanges to ‘what is not covered’ Infrastructure. We will not pay claims arising from the failure of the service provided by internet, telecommunications, utilities or other infrastructure providers.Covered Not covered Hiscox Insurance Summary of change Personal data. We will not pay claims relating to personal data. We will pay such claims where they arise from your performance ofa business activity and which is not otherwise excluded. Subject to the limit shown in the schedule.Covered Not covered Other important changes Control of defence. Under the previous wording we had a duty to defend you against any covered claim brought against you. We now have the right but not the obligation to take control of the conduct of the claim including the appointment of legal representation. Please refer to the policy wording for full details. SOC-PROF-UK-MAN(1) 21367 01/21
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WWFA-._HIOXRFMSFXDKS
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(?<=Policy number - )[-\w_\/\.]+?(?= Company name)
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05 April, 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 - RI9_/-DJESG1AWVLS42VE-7Y1 Company name: Hayes Ltd It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : RI9_/-DJESG1AWVLS42VE-7Y1. Company name: Hayes Ltd. Your Hiscox Insurance premium. Last year’s annual premium: This year’s annual premium. £ 350.67. £ 350.67. The premium includes all applicable insurance premium tax (IPT). Dear Dr Amelia Bibi. Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 26/12/23 . 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. £2,594.33. £2,594.33. Legal protection. £5,899.43. £5,899.43. 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 Hayes 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 26/12/23 . 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 : RI9_/-DJESG1AWVLS42VE-7Y1 Company name: Hayes Ltd . It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : RI9_/-DJESG1AWVLS42VE-7Y1 Company name: Hayes Ltd . Your Hiscox Insurance premium Last year’s annual premium: This year’s annual premium The premium includes all applicable insurance premium tax (IPT). £ 350.67 £ 350.67 . Your Hiscox Insurance premium . Last year’s annual premium: This year’s annual premium £ 350.67 £ 350.67 . The premium includes all applicable insurance premium tax (IPT). Dear Dr Amelia Bibi . Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 26/12/23 . 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 £2,594.33 £2,594.33 Legal protection £5,899.43 £5,899.43 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 Hayes 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 26/12/23 . 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 26/12/23 . 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 £2,594.33 £2,594.33 Legal protection £5,899.43 £5,899.43 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 Hayes 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 26/12/23 . 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) £2,594.33 £5,899.43 £0.00 . This year’s annual Premium (exc IPT) £2,594.33 £5,899.43 . Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) . Professional indemnity £2,594.33 £2,594.33 . Legal protection £5,899.43 £5,899.43 . 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: Amelia Bibi 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 12/07/24 £350.67 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: RI9_/-DJESG1AWVLS42VE-7Y1 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 Hayes 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:RI9_/-DJESG1AWVLS42VE-7Y1 Name of policy holder:Hayes Ltd Period of insurance: From 26/12/23 to 25/12/23 both days inclusive. This policy isa Continuing cover policy Insurer: Hiscox Insurance Company Limited Retroactive date: 13/05/2023 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: 26/12/23 Insurance details Policy number: RI9_/-DJESG1AWVLS42VE-7Y1 Period of insurance: From 26/12/23 to 25/12/23 both days inclusive. This policy isa Continuing cover policy. Insured: Hayes Ltd Address: 7 Michael oval Joshchester FARNHAM L8 6AU Additional insureds: None Business: Management Consultants Premium details Charged premium – the total amount you’ll pay for this policy. Charged premium: £6,919.22 Insurance Premium Tax (IPT): £5,042.33 Total charged premium: £350.67 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: £6,919.22 Insurance Premium Tax (IPT): £5,042.33 Annual total: £350.67 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 £2,594.33 Legal protection £100,000 £0 £5,899.43 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: 26/12/23 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 13/05/2023 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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RI9_/-DJESG1AWVLS42VE-7Y1
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26/12/23
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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 - ca_dcvwdqrrvxhwi_pplk Company name: Knight, Jones and Gibbons It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : ca_dcvwdqrrvxhwi_pplk. Company name: Knight, Jones and Gibbons. Your Hiscox Insurance premium. Last year’s annual premium: This year’s annual premium. £ 517.90. £ 517.90. The premium includes all applicable insurance premium tax (IPT). Dear Mr Roy Morton-Parker. Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on Sun 28 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. £620.63. £620.63. Legal protection. £7,007.86. £7,007.86. Crisis containment. £0.00. Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy . Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government increase in Insurance Premium Tax as shown. Is our information correct? Your premium and cover are based on what you’ve told us about Knight, Jones and Gibbons , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay. . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover. Policy summary for each cover. ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover . As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before Sun 28 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 : ca_dcvwdqrrvxhwi_pplk Company name: Knight, Jones and Gibbons . It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : ca_dcvwdqrrvxhwi_pplk Company name: Knight, Jones and Gibbons . Your Hiscox Insurance premium Last year’s annual premium: This year’s annual premium The premium includes all applicable insurance premium tax (IPT). £ 517.90 £ 517.90 . Your Hiscox Insurance premium . Last year’s annual premium: This year’s annual premium £ 517.90 £ 517.90 . The premium includes all applicable insurance premium tax (IPT). Dear Mr Roy Morton-Parker . Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on Sun 28 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 £620.63 £620.63 Legal protection £7,007.86 £7,007.86 Crisis containment £0.00 Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government increase in Insurance Premium Tax as shown. Is our information correct? Your premium and cover are based on what you’ve told us about Knight, Jones and Gibbons , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover Policy summary for each cover ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before Sun 28 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 Sun 28 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 £620.63 £620.63 Legal protection £7,007.86 £7,007.86 Crisis containment £0.00 Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government increase in Insurance Premium Tax as shown. Is our information correct? Your premium and cover are based on what you’ve told us about Knight, Jones and Gibbons , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover Policy summary for each cover ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before Sun 28 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) £620.63 £7,007.86 £0.00 . This year’s annual Premium (exc IPT) £620.63 £7,007.86 . Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) . Professional indemnity £620.63 £620.63 . Legal protection £7,007.86 £7,007.86 . 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: Roy Morton-Parker 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 19 September, 2019 £517.90 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: ca_dcvwdqrrvxhwi_pplk 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 Knight, Jones and Gibbons Hiscox Underwriting 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:ca_dcvwdqrrvxhwi_pplk Name of policy holder:Knight, Jones and Gibbons Period of insurance: From Sun 28 May, 2023 to 17/12/20 both days inclusive. This policy isa Continuing cover policy Insurer: Hiscox Insurance Company Limited Retroactive date: 02/03/2024 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: Sun 28 May, 2023 Insurance details Policy number: ca_dcvwdqrrvxhwi_pplk Period of insurance: From Sun 28 May, 2023 to 17/12/20 both days inclusive. This policy isa Continuing cover policy. Insured: Knight, Jones and Gibbons Address: Flat 77 Conor lakes Lake Kathrynfurt FARNHAM CF4P 7BF Additional insureds: None Business: Management Consultants Premium details Charged premium – the total amount you’ll pay for this policy. Charged premium: £6,110.99 Insurance Premium Tax (IPT): £6,225.79 Total charged premium: £517.90 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: £6,110.99 Insurance Premium Tax (IPT): £6,225.79 Annual total: £517.90 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 £620.63 Legal protection £100,000 £0 £7,007.86 Crisis containment £25,000 - £0.00 The figures above are in summary only and are not in addition to the amount insured specified against each cover section below. Hiscox Business Insurance Policy Schedule 14502 10/18 SECTION: PROFESSIONAL INDEMNITY – MANAGEMENT CONSULTANTS Cover start date: Sun 28 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 02/03/2024 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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ca_dcvwdqrrvxhwi_pplk
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(?<=Policy number - )[-\w_\/\.]+?(?= Company name)
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Sun 28 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 - E.6E1U8EV_KF068O_I5I Company name: Fry Ltd It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : E.6E1U8EV_KF068O_I5I. Company name: Fry Ltd. Your Hiscox Insurance premium. Last year’s annual premium: This year’s annual premium. £ 8,143.26. £ 8,143.26. The premium includes all applicable insurance premium tax (IPT). Dear Dr Vincent Dawson-Thomson. Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 13 September, 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. £5,559.27. £5,559.27. Legal protection. £7,627.72. £7,627.72. 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 Fry 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 13 September, 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 : E.6E1U8EV_KF068O_I5I Company name: Fry Ltd . It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : E.6E1U8EV_KF068O_I5I Company name: Fry Ltd . Your Hiscox Insurance premium Last year’s annual premium: This year’s annual premium The premium includes all applicable insurance premium tax (IPT). £ 8,143.26 £ 8,143.26 . Your Hiscox Insurance premium . Last year’s annual premium: This year’s annual premium £ 8,143.26 £ 8,143.26 . The premium includes all applicable insurance premium tax (IPT). Dear Dr Vincent Dawson-Thomson . Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 13 September, 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 £5,559.27 £5,559.27 Legal protection £7,627.72 £7,627.72 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 Fry 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 13 September, 2019 . We’re here between 8:30am - 5:30pm Monday to Friday . Please note that we can only discuss policy changes with people named on the policy. Why renew with Hiscox - Reassuring: we offer a range of cover options that can be tailored to your needs - Flexible: we offer full flexibility to change your policy, with no administration fees - Award-winning cover : we’ve been named Best Small Business Insurer 7 years running by Start Your Business Magazine Please click this link for the Hiscox Referral Portal: https://refer.aklamio.com/hiscox/uk?source=postpurchase Thank you again for choosing Hiscox to insure your business. We hope you and your business have a very successful year. Kind regards Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 13 September, 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 £5,559.27 £5,559.27 Legal protection £7,627.72 £7,627.72 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 Fry 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 13 September, 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) £5,559.27 £7,627.72 £0.00 . This year’s annual Premium (exc IPT) £5,559.27 £7,627.72 . Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) . Professional indemnity £5,559.27 £5,559.27 . Legal protection £7,627.72 £7,627.72 . 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: Vincent Dawson-Thomson 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 15/04/22 £8,143.26 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: E.6E1U8EV_KF068O_I5I 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 Fry 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:E.6E1U8EV_KF068O_I5I Name of policy holder:Fry Ltd Period of insurance: From 13 September, 2019 to 05/07/2024 both days inclusive. This policy isa Continuing cover policy Insurer: Hiscox Insurance Company Limited Retroactive date: 27/02/2021 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: 13 September, 2019 Insurance details Policy number: E.6E1U8EV_KF068O_I5I Period of insurance: From 13 September, 2019 to 05/07/2024 both days inclusive. This policy isa Continuing cover policy. Insured: Fry Ltd Address: Studio 16 Fitzgerald neck West Jacobtown FARNHAM B33 4LB Additional insureds: None Business: Management Consultants Premium details Charged premium – the total amount you’ll pay for this policy. Charged premium: £4,090.23 Insurance Premium Tax (IPT): £2,714.28 Total charged premium: £8,143.26 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: £4,090.23 Insurance Premium Tax (IPT): £2,714.28 Annual total: £8,143.26 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 £5,559.27 Legal protection £100,000 £0 £7,627.72 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: 13 September, 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 27/02/2021 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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E.6E1U8EV_KF068O_I5I
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(?<=Policy number - )[-\w_\/\.]+?(?= Company name)
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13 September, 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 - XIRCDFGCURLXD Company name: Garner, Warren and Talbot It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : XIRCDFGCURLXD. Company name: Garner, Warren and Talbot. Your Hiscox Insurance premium. Last year’s annual premium: This year’s annual premium. £ 8,034.22. £ 8,034.22. The premium includes all applicable insurance premium tax (IPT). Dear Ms Miss Lindsey Gray. Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 21/09/25 . Good news; if you want cover to continue with us and to make sure you stay protected by our award-winning cover, you do not need to do anything. We will update your policy onto our latest wording and continue to collect payment using the payment details we have for you. You must read the important information contained in this email and the attached documents. Your Hiscox Insurance Premium breakdown. The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). The amount shown as last year’s Annual premium will take into account any changes to the cover which may have been made during the last policy period. Cover. Last year’s annual premium (exc IPT). This year’s annual Premium (exc IPT). Professional indemnity. £856.22. £856.22. Legal protection. £8,368.16. £8,368.16. 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 Garner, Warren and Talbot , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay. . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover. Policy summary for each cover. ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover . As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before 21/09/25 . We’re here between 8:30am - 5:30pm Monday to Friday . Please note that we can only discuss policy changes with people named on the policy. Why renew with Hiscox. - Reassuring: we offer a range of cover options that can be tailored to your needs. - Flexible: we offer full flexibility to change your policy, with no administration fees . - Award-winning cover : we’ve been named Best Small Business Insurer 7 years running by Start Your Business Magazine . Please click this link for the Hiscox Referral Portal: https://refer.aklamio.com/hiscox/uk?source=postpurchase. Thank you again for choosing Hiscox to insure your business. We hope you and your business have a very successful year. Kind regards. Jon Dye. CEO, Hiscox UK. Business Insurance for the small and the brave. To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre. Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. This email and any files transmitted with it are confidential and intended solely for the use of the individual or entity to whom they are addressed. No one else is authorised to distribute, forward, print, copy or act upon any information contained in this email. If you have received this email in error, please notify the sender. Hiscox Syndicates Limited and Hiscox Insurance Company Limited are authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Hiscox Underwriting Limited, Hiscox Underwriting Services Ltd, Hiscox MGA Ltd and Hiscox ASM Ltd are authorised and regulated by the Financial Conduct Authority. Hiscox Assure SAS is duly registered as an insurance broker with the ORIAS, which is the French Official Registry of Insurance Intermediaries. Hiscox plc is a company registered in England and Wales under company registration number 2837811 and registered office at 1 Great St Helen's, London EC3A 6HX. Hiscox SA is a company registered in Luxembourg at 35 Avenue John F. Kennedy 35F, Luxembourg L-1855, and is authorised by the Commissariat aux Assurances de Luxembourg. It’s time to renew your Hiscox Business Insurance Hiscox Insurance policy number : XIRCDFGCURLXD Company name: Garner, Warren and Talbot . It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : XIRCDFGCURLXD Company name: Garner, Warren and Talbot . Your Hiscox Insurance premium Last year’s annual premium: This year’s annual premium The premium includes all applicable insurance premium tax (IPT). £ 8,034.22 £ 8,034.22 . Your Hiscox Insurance premium . Last year’s annual premium: This year’s annual premium £ 8,034.22 £ 8,034.22 . The premium includes all applicable insurance premium tax (IPT). Dear Ms Miss Lindsey Gray . Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 21/09/25 . Good news; if you want cover to continue with us and to make sure you stay protected by our award-winning cover, you do not need to do anything. We will update your policy onto our latest wording and continue to collect payment using the payment details we have for you. You must read the important information contained in this email and the attached documents Your Hiscox Insurance Premium breakdown The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). The amount shown as last year’s Annual premium will take into account any changes to the cover which may have been made during the last policy period. Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) Professional indemnity £856.22 £856.22 Legal protection £8,368.16 £8,368.16 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 Garner, Warren and Talbot , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover Policy summary for each cover ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before 21/09/25 . We’re here between 8:30am - 5:30pm Monday to Friday . Please note that we can only discuss policy changes with people named on the policy. Why renew with Hiscox - Reassuring: we offer a range of cover options that can be tailored to your needs - Flexible: we offer full flexibility to change your policy, with no administration fees - Award-winning cover : we’ve been named Best Small Business Insurer 7 years running by Start Your Business Magazine Please click this link for the Hiscox Referral Portal: https://refer.aklamio.com/hiscox/uk?source=postpurchase Thank you again for choosing Hiscox to insure your business. We hope you and your business have a very successful year. Kind regards Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 21/09/25 . Good news; if you want cover to continue with us and to make sure you stay protected by our award-winning cover, you do not need to do anything. We will update your policy onto our latest wording and continue to collect payment using the payment details we have for you. You must read the important information contained in this email and the attached documents Your Hiscox Insurance Premium breakdown The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). The amount shown as last year’s Annual premium will take into account any changes to the cover which may have been made during the last policy period. Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) Professional indemnity £856.22 £856.22 Legal protection £8,368.16 £8,368.16 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 Garner, Warren and Talbot , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover Policy summary for each cover ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before 21/09/25 . We’re here between 8:30am - 5:30pm Monday to Friday . Please note that we can only discuss policy changes with people named on the policy. Why renew with Hiscox - Reassuring: we offer a range of cover options that can be tailored to your needs - Flexible: we offer full flexibility to change your policy, with no administration fees - Award-winning cover : we’ve been named Best Small Business Insurer 7 years running by Start Your Business Magazine Please click this link for the Hiscox Referral Portal: https://refer.aklamio.com/hiscox/uk?source=postpurchase Thank you again for choosing Hiscox to insure your business. We hope you and your business have a very successful year. Kind regards Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Your Hiscox Insurance Premium breakdown The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). Cover Professional indemnity Legal protection Crisis containment . Last year’s annual premium (exc IPT) £856.22 £8,368.16 £0.00 . This year’s annual Premium (exc IPT) £856.22 £8,368.16 . Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) . Professional indemnity £856.22 £856.22 . Legal protection £8,368.16 £8,368.16 . 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: Miss Lindsey Gray 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 21 June, 2020 £8,034.22 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: XIRCDFGCURLXD 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 Garner, Warren and Talbot Hiscox Underwriting 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:XIRCDFGCURLXD Name of policy holder:Garner, Warren and Talbot Period of insurance: From 21/09/25 to 11/08/2021 both days inclusive. This policy isa Continuing cover policy Insurer: Hiscox Insurance Company Limited Retroactive date: 02/04/2025 Level of cover:£1,000,000 Signed on behalf of Hiscox Underwriting Limited as agent for the insurers Jon Dye CEO, Hiscox UK Notes: (a) This insurance is subject to policy terms and conditions and any special terms notified to the InsuredPage / 1 Hiscox Business Insurance Policy Schedule 14502 10/18 This schedule tells you what is insured with us. It should be read carefully with your policy wording(s) and statement of fact detailed elsewhere in this document. Schedule effective date: 21/09/25 Insurance details Policy number: XIRCDFGCURLXD Period of insurance: From 21/09/25 to 11/08/2021 both days inclusive. This policy isa Continuing cover policy. Insured: Garner, Warren and Talbot Address: 777 White pass North Charlenebury FARNHAM DY5 9BR Additional insureds: None Business: Management Consultants Premium details Charged premium – the total amount you’ll pay for this policy. Charged premium: £7,895.78 Insurance Premium Tax (IPT): £8,704.66 Total charged premium: £8,034.22 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: £7,895.78 Insurance Premium Tax (IPT): £8,704.66 Annual total: £8,034.22 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 £856.22 Legal protection £100,000 £0 £8,368.16 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: 21/09/25 Limit of indemnity £1,000,000 Limit applies to in the aggregate, including all costs Excess £1,000 Excess applies to each and every claim or loss, including all costs Geographical limits Worldwide Applicable courts Worldwide (excluding United States of America and Canada) Claims brought in USA or Canada Not covered Additional covers (in addition to overall limit of indemnity stated above) Cover Limit of indemnity Limit applies to Court attendance compensation - employees £250 per person, per day Court attendance compensation - directors and partners£500 per person, per day Court attendance compensation: in total £100,000 in the aggregate Special limits (included within not in addition to the overall limit of indemnity stated above) Cover Limit of indemnity Limit applies to Personal data claims £250,000 in the aggregate, including all costs Business activities Business managementPage / 2 consultant Retroactive date 02/04/2025 Insurer Hiscox Insurance Company LimitedPage / 1 Hiscox Insurance Summary of change Introduction This document has been created to help you understand the key changes to your Hiscox Insurance policy and how they may impact you. Your policy continues to offer professional, tailored insurance to protect you and give you peace of mind that if you need us, you will be supported by our award winning claims team. If you have a query not covered by this document, or if you have any questions or concerns about your policy you should contact us. Frequently asked questions What if my circumstances change during the period of insurance? If your circumstances change during the period of insurance, you only need to let us know if the change means that any of the information in the Statement of Fact is no longer true, complete and accurate. If there are no such changes, you do not need to let us know. If any of the information within the Statement of Fact becomes no longer complete, true or accurate at any point during the period of insurance you must tell us as it may affect the validity of the policy or our ability to pay a claim. Additionally, if your contact details change then you should let us know straightaway. Where doI find the limits that apply to my policy? You can find your maximum allowable limits for turnover and wage rollin your Statement of Fact. You must check this information and tell us or your broker if you expect to exceed the maximum amounts shown. Please note these values may have changed. If there are special limits or special excesses applying to particular covers or types of losses these will be shown in the policy schedule. Please check your policy schedule carefully as they may have changed. My new schedule shows a different premium to last year? What has changed? If an underwriter has reviewed your policy then they may have manually adjusted your premium, for example if you’ve had claims in the last 12 months. Where doI find out about any endorsements on my policy? You will be able to see if an endorsement has been applied or removed by reviewing your Policy Schedule. If you have any queries or concerns, please contact us or your broker if you have one. Hiscox Insurance Summary of change Professional indemnity for business management consultants Summary of change Changes to the cover The following table shows the differences between our new policy wordings (5570 WD- PROF-UK-MAN(7), 15579 WD-PROF-UK-MAN-AG(3)) and our previous wordings (5570 WD-PROF-UK-MAN(6), 15579 WD-PROF-UK-MAN-AG(2)). This isa summary of the changes only. You should refer to the schedule and policy wording for the full description of the cover in place. Area of cover Previous policy New policy Improvement in cover Claims against you Advertising claims. We will pay claims arising from your advertising or branding for defamation or infringement of copyright or moral rights. This does not include claims for passing off, unauthorised use of trademarks or false or misleading advertising. Previously cover was not restricted to defamation or the infringement of copyright or moral rights.Covered Amended Your own lossesChanges to ‘what is covered’ Losses from dishonesty. Your losses arising from the dishonesty of your employees, sub-contractors or outsourcers.Covered Not covered Area of cover Previous policy New policy Improvement in cover Cyber incident. We will not pay claims relating to an actual or possible cyber attack, hacker or social engineering communication. Previously we excluded any virus not specifically targeted at your system.Covered Not covered Computer or digital technology error. We will not pay claims arising from any negligent act, error or omission in the operation or maintenance of computer or digital technology such as development, installation, patching or upgrading.Covered Not coveredChanges to ‘what is not covered’ Infrastructure. We will not pay claims arising from the failure of the service provided by internet, telecommunications, utilities or other infrastructure providers.Covered Not covered Hiscox Insurance Summary of change Personal data. We will not pay claims relating to personal data. We will pay such claims where they arise from your performance ofa business activity and which is not otherwise excluded. Subject to the limit shown in the schedule.Covered Not covered Other important changes Control of defence. Under the previous wording we had a duty to defend you against any covered claim brought against you. We now have the right but not the obligation to take control of the conduct of the claim including the appointment of legal representation. Please refer to the policy wording for full details. SOC-PROF-UK-MAN(1) 21367 01/21
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21/09/25
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2024-02-05
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Hiscox Business Insurance - Policy number - KU5SNV0O/3YGAHU1R Company name: Daniels Group It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : KU5SNV0O/3YGAHU1R. Company name: Daniels Group. Your Hiscox Insurance premium. Last year’s annual premium: This year’s annual premium. £ 7,003.99. £ 7,003.99. The premium includes all applicable insurance premium tax (IPT). Dear Mrs Samantha Stevens-Hill. Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 18/06/25 . 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. £2,333.43. £2,333.43. Legal protection. £5,210.20. £5,210.20. Crisis containment. £0.00. Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy . Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government increase in Insurance Premium Tax as shown. Is our information correct? Your premium and cover are based on what you’ve told us about Daniels 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 18/06/25 . 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 : KU5SNV0O/3YGAHU1R Company name: Daniels Group . It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : KU5SNV0O/3YGAHU1R Company name: Daniels Group . Your Hiscox Insurance premium Last year’s annual premium: This year’s annual premium The premium includes all applicable insurance premium tax (IPT). £ 7,003.99 £ 7,003.99 . Your Hiscox Insurance premium . Last year’s annual premium: This year’s annual premium £ 7,003.99 £ 7,003.99 . The premium includes all applicable insurance premium tax (IPT). Dear Mrs Samantha Stevens-Hill . Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 18/06/25 . 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 £2,333.43 £2,333.43 Legal protection £5,210.20 £5,210.20 Crisis containment £0.00 Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government increase in Insurance Premium Tax as shown. Is our information correct? Your premium and cover are based on what you’ve told us about Daniels 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 18/06/25 . 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 18/06/25 . 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 £2,333.43 £2,333.43 Legal protection £5,210.20 £5,210.20 Crisis containment £0.00 Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government increase in Insurance Premium Tax as shown. Is our information correct? Your premium and cover are based on what you’ve told us about Daniels 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 18/06/25 . 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) £2,333.43 £5,210.20 £0.00 . This year’s annual Premium (exc IPT) £2,333.43 £5,210.20 . Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) . Professional indemnity £2,333.43 £2,333.43 . Legal protection £5,210.20 £5,210.20 . Crisis containment £0.00 . Kind regards Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre . Kind regards . Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave . To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre . Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Page / 1 Hiscox Business Insurance Policy wording 17431a - DC565 WORDING 04/17Guide to sectionsIntroduction Policy wordings General terms and conditions Professional indemnity for business management consultants Legal protection Crisis containment Hiscox Business Insurance Policy wording 17431a - DC565 WORDING 04/17IntroductionThank you for choosing Hiscox to protect your business. We hope that the language and layout of this policy wording are clear because we want you to understand the insurance we provide as well as the responsibilities we have to each other. Please read this document, including the policy schedule, policy summary and statement of fact, and let us know as soon as possible if any of the details are shown incorrectly. We always try to deliver to the highest standards of service. Your views are important to us, so if you feel that our service is below the standard you would expect from Hiscox, please contact us on the phone number shown in your policy schedule. Please note that some of the words we use in this insurance are shown in bold type. These words are defined in each section of the wording. Page / 1 Hiscox Insurance Payment schedule Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Thank you for continuing to pay for your policy by Direct Debit. Please check these details and let us know if anything is incorrect or if the schedule is not suitable. Your reference details Account holder name: Samantha Stevens-Hill 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 22 August, 2020 £7,003.99 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: KU5SNV0O/3YGAHU1R 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 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:KU5SNV0O/3YGAHU1R Name of policy holder:Daniels Group Period of insurance: From 18/06/25 to Fri 18 March, 2022 both days inclusive. This policy isa Continuing cover policy Insurer: Hiscox Insurance Company Limited Retroactive date: Thursday 25 January, 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: 18/06/25 Insurance details Policy number: KU5SNV0O/3YGAHU1R Period of insurance: From 18/06/25 to Fri 18 March, 2022 both days inclusive. This policy isa Continuing cover policy. Insured: Daniels Group Address: 751 Brown plains Port Chloe FARNHAM N96 4NY Additional insureds: None Business: Management Consultants Premium details Charged premium – the total amount you’ll pay for this policy. Charged premium: £4,757.97 Insurance Premium Tax (IPT): £9,377.96 Total charged premium: £7,003.99 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: £4,757.97 Insurance Premium Tax (IPT): £9,377.96 Annual total: £7,003.99 Please note that there will be no refund or additional premium for any transaction which is less than £20 (excluding IPT). Hiscox Business Insurance Policy Schedule 14502 10/18 Summary Claims information If you need to make a claim: - For claims relating to your building or contents please contact our claims team on 0800 247 1902, 9.00am – 5:30pm Monday to Friday. If you wish to make a claim online, you can log most claims quickly and easily through our claims notification portal at https://claims.hiscox.co.uk/. Outside of normal business hours, if you require emergency assistance in relation to substantial damage to your property, you can speak to our 24-hour emergency assistance team using the telephone number above. Your policy schedule will state if property cover is included in your policy. Our out-of-hours emergency assistance team operate ona pay-and-claim basis and you will need to have credit card details available as appropriate. The team will then be able to direct you to essential tradesmen, emergency loss adjusters or disaster management companies in the event of substantial damage. - If there isa claim (or potential claim) against you bya third party, please email us at liability.claims@hiscox.com. If you need to speak to a member of the claims team urgently, please call our team on 0800 711 7156, 9.00am – 5:30pm Monday to Friday. If you wish to make a claim online, you can log most claims quickly and easily through our claims notification portal at https://claims.hiscox.co.uk/. You will need to provide your full name and contact details, the name of your business or organisation, your address and postcode, the policy reference and circumstances of the claim. The Important information and contact details section below contains additional information specific to the covers applicable to your policy. If you are unsure of who to contact please call our team on 0800 711 7156, 9.00am – 5:30pm Monday to Friday. They will ensure you get through to the correct claims team and let you know what actions you need to take. If anything happens that might be covered under the policy, you must comply with the obligations set out in General claims conditions, together with the obligations set out under Your obligations in the section or sections under which you are making the claim. Itis important that you read the policy for details of its terms in full. Your covers This isa summary of each section of your policy. See each section for cover details. Cover Insurance amount Excess Annual Premium (exc IPT) Professional indemnity £1,000,000 £1,000 £2,333.43 Legal protection £100,000 £0 £5,210.20 Crisis containment £25,000 - £0.00 The figures above are in summary only and are not in addition to the amount insured specified against each cover section below. Hiscox Business Insurance Policy Schedule 14502 10/18 SECTION: PROFESSIONAL INDEMNITY – MANAGEMENT CONSULTANTS Cover start date: 18/06/25 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 Thursday 25 January, 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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KU5SNV0O/3YGAHU1R
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(?<=Policy number - )[-\w_\/\.]+?(?= Company name)
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18/06/25
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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 - 4P-J23I41JQW4EG Company name: Mitchell PLC It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : 4P-J23I41JQW4EG. Company name: Mitchell PLC. Your Hiscox Insurance premium. Last year’s annual premium: This year’s annual premium. £ 3,005.73. £ 3,005.73. The premium includes all applicable insurance premium tax (IPT). Dear Ms Chloe Parker. Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on Monday 06 December, 2021 . Good news; if you want cover to continue with us and to make sure you stay protected by our award-winning cover, you do not need to do anything. We will update your policy onto our latest wording and continue to collect payment using the payment details we have for you. You must read the important information contained in this email and the attached documents. Your Hiscox Insurance Premium breakdown. The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). The amount shown as last year’s Annual premium will take into account any changes to the cover which may have been made during the last policy period. Cover. Last year’s annual premium (exc IPT). This year’s annual Premium (exc IPT). Professional indemnity. £2,225.53. £2,225.53. Legal protection. £6,488.88. £6,488.88. 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 Mitchell PLC , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay. . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover. Policy summary for each cover. ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover . As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before Monday 06 December, 2021 . We’re here between 8:30am - 5:30pm Monday to Friday . Please note that we can only discuss policy changes with people named on the policy. Why renew with Hiscox. - Reassuring: we offer a range of cover options that can be tailored to your needs. - Flexible: we offer full flexibility to change your policy, with no administration fees . - Award-winning cover : we’ve been named Best Small Business Insurer 7 years running by Start Your Business Magazine . Please click this link for the Hiscox Referral Portal: https://refer.aklamio.com/hiscox/uk?source=postpurchase. Thank you again for choosing Hiscox to insure your business. We hope you and your business have a very successful year. Kind regards. Jon Dye. CEO, Hiscox UK. Business Insurance for the small and the brave. To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre. Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. This email and any files transmitted with it are confidential and intended solely for the use of the individual or entity to whom they are addressed. No one else is authorised to distribute, forward, print, copy or act upon any information contained in this email. If you have received this email in error, please notify the sender. Hiscox Syndicates Limited and Hiscox Insurance Company Limited are authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Hiscox Underwriting Limited, Hiscox Underwriting Services Ltd, Hiscox MGA Ltd and Hiscox ASM Ltd are authorised and regulated by the Financial Conduct Authority. Hiscox Assure SAS is duly registered as an insurance broker with the ORIAS, which is the French Official Registry of Insurance Intermediaries. Hiscox plc is a company registered in England and Wales under company registration number 2837811 and registered office at 1 Great St Helen's, London EC3A 6HX. Hiscox SA is a company registered in Luxembourg at 35 Avenue John F. Kennedy 35F, Luxembourg L-1855, and is authorised by the Commissariat aux Assurances de Luxembourg. It’s time to renew your Hiscox Business Insurance Hiscox Insurance policy number : 4P-J23I41JQW4EG Company name: Mitchell PLC . It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : 4P-J23I41JQW4EG Company name: Mitchell PLC . Your Hiscox Insurance premium Last year’s annual premium: This year’s annual premium The premium includes all applicable insurance premium tax (IPT). £ 3,005.73 £ 3,005.73 . Your Hiscox Insurance premium . Last year’s annual premium: This year’s annual premium £ 3,005.73 £ 3,005.73 . The premium includes all applicable insurance premium tax (IPT). Dear Ms Chloe Parker . Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on Monday 06 December, 2021 . Good news; if you want cover to continue with us and to make sure you stay protected by our award-winning cover, you do not need to do anything. We will update your policy onto our latest wording and continue to collect payment using the payment details we have for you. You must read the important information contained in this email and the attached documents Your Hiscox Insurance Premium breakdown The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). The amount shown as last year’s Annual premium will take into account any changes to the cover which may have been made during the last policy period. Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) Professional indemnity £2,225.53 £2,225.53 Legal protection £6,488.88 £6,488.88 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 Mitchell PLC , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover Policy summary for each cover ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before Monday 06 December, 2021 . We’re here between 8:30am - 5:30pm Monday to Friday . Please note that we can only discuss policy changes with people named on the policy. Why renew with Hiscox - Reassuring: we offer a range of cover options that can be tailored to your needs - Flexible: we offer full flexibility to change your policy, with no administration fees - Award-winning cover : we’ve been named Best Small Business Insurer 7 years running by Start Your Business Magazine Please click this link for the Hiscox Referral Portal: https://refer.aklamio.com/hiscox/uk?source=postpurchase Thank you again for choosing Hiscox to insure your business. We hope you and your business have a very successful year. Kind regards Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on Monday 06 December, 2021 . Good news; if you want cover to continue with us and to make sure you stay protected by our award-winning cover, you do not need to do anything. We will update your policy onto our latest wording and continue to collect payment using the payment details we have for you. You must read the important information contained in this email and the attached documents Your Hiscox Insurance Premium breakdown The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). The amount shown as last year’s Annual premium will take into account any changes to the cover which may have been made during the last policy period. Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) Professional indemnity £2,225.53 £2,225.53 Legal protection £6,488.88 £6,488.88 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 Mitchell PLC , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover Policy summary for each cover ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before Monday 06 December, 2021 . We’re here between 8:30am - 5:30pm Monday to Friday . Please note that we can only discuss policy changes with people named on the policy. Why renew with Hiscox - Reassuring: we offer a range of cover options that can be tailored to your needs - Flexible: we offer full flexibility to change your policy, with no administration fees - Award-winning cover : we’ve been named Best Small Business Insurer 7 years running by Start Your Business Magazine Please click this link for the Hiscox Referral Portal: https://refer.aklamio.com/hiscox/uk?source=postpurchase Thank you again for choosing Hiscox to insure your business. We hope you and your business have a very successful year. Kind regards Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Your Hiscox Insurance Premium breakdown The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). Cover Professional indemnity Legal protection Crisis containment . Last year’s annual premium (exc IPT) £2,225.53 £6,488.88 £0.00 . This year’s annual Premium (exc IPT) £2,225.53 £6,488.88 . Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) . Professional indemnity £2,225.53 £2,225.53 . Legal protection £6,488.88 £6,488.88 . 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: Chloe Parker 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 August, 2023 £3,005.73 Where your chosen collection date falls ona non-working day then we will endeavour to collect the next working day. For your information, the collections will be made using the following reference number: Originator Identification Number: 293461 Reference Number: 4P-J23I41JQW4EG 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 Mitchell 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:4P-J23I41JQW4EG Name of policy holder:Mitchell PLC Period of insurance: From Monday 06 December, 2021 to 20/03/2020 both days inclusive. This policy isa Continuing cover policy Insurer: Hiscox Insurance Company Limited Retroactive date: 23/02/2022 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 06 December, 2021 Insurance details Policy number: 4P-J23I41JQW4EG Period of insurance: From Monday 06 December, 2021 to 20/03/2020 both days inclusive. This policy isa Continuing cover policy. Insured: Mitchell PLC Address: 018 Bradley stravenue Robertsland FARNHAM CW9 2YN Additional insureds: None Business: Management Consultants Premium details Charged premium – the total amount you’ll pay for this policy. Charged premium: £7,056.71 Insurance Premium Tax (IPT): £3,462.36 Total charged premium: £3,005.73 Annualised premium – the annual premium for this policy. This is given for comparison purposes. Please refer to the charged premium section for the amount you’ll pay for the policy. Annual premium: £7,056.71 Insurance Premium Tax (IPT): £3,462.36 Annual total: £3,005.73 Please note that there will be no refund or additional premium for any transaction which is less than £20 (excluding IPT). Hiscox Business Insurance Policy Schedule 14502 10/18 Summary Claims information If you need to make a claim: - For claims relating to your building or contents please contact our claims team on 0800 247 1902, 9.00am – 5:30pm Monday to Friday. If you wish to make a claim online, you can log most claims quickly and easily through our claims notification portal at https://claims.hiscox.co.uk/. Outside of normal business hours, if you require emergency assistance in relation to substantial damage to your property, you can speak to our 24-hour emergency assistance team using the telephone number above. Your policy schedule will state if property cover is included in your policy. Our out-of-hours emergency assistance team operate ona pay-and-claim basis and you will need to have credit card details available as appropriate. The team will then be able to direct you to essential tradesmen, emergency loss adjusters or disaster management companies in the event of substantial damage. - If there isa claim (or potential claim) against you bya third party, please email us at liability.claims@hiscox.com. If you need to speak to a member of the claims team urgently, please call our team on 0800 711 7156, 9.00am – 5:30pm Monday to Friday. If you wish to make a claim online, you can log most claims quickly and easily through our claims notification portal at https://claims.hiscox.co.uk/. You will need to provide your full name and contact details, the name of your business or organisation, your address and postcode, the policy reference and circumstances of the claim. The Important information and contact details section below contains additional information specific to the covers applicable to your policy. If you are unsure of who to contact please call our team on 0800 711 7156, 9.00am – 5:30pm Monday to Friday. They will ensure you get through to the correct claims team and let you know what actions you need to take. If anything happens that might be covered under the policy, you must comply with the obligations set out in General claims conditions, together with the obligations set out under Your obligations in the section or sections under which you are making the claim. Itis important that you read the policy for details of its terms in full. Your covers This isa summary of each section of your policy. See each section for cover details. Cover Insurance amount Excess Annual Premium (exc IPT) Professional indemnity £1,000,000 £1,000 £2,225.53 Legal protection £100,000 £0 £6,488.88 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: Monday 06 December, 2021 Limit of indemnity £1,000,000 Limit applies to in the aggregate, including all costs Excess £1,000 Excess applies to each and every claim or loss, including all costs Geographical limits Worldwide Applicable courts Worldwide (excluding United States of America and Canada) Claims brought in USA or Canada Not covered Additional covers (in addition to overall limit of indemnity stated above) Cover Limit of indemnity Limit applies to Court attendance compensation - employees £250 per person, per day Court attendance compensation - directors and partners£500 per person, per day Court attendance compensation: in total £100,000 in the aggregate Special limits (included within not in addition to the overall limit of indemnity stated above) Cover Limit of indemnity Limit applies to Personal data claims £250,000 in the aggregate, including all costs Business activities Business managementPage / 2 consultant Retroactive date 23/02/2022 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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4P-J23I41JQW4EG
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(?<=Policy number - )[-\w_\/\.]+?(?= Company name)
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Monday 06 December, 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 - KRKEOHX Company name: Sutton, Cartwright and Farmer It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : KRKEOHX. Company name: Sutton, Cartwright and Farmer. Your Hiscox Insurance premium. Last year’s annual premium: This year’s annual premium. £ 4,518.07. £ 4,518.07. The premium includes all applicable insurance premium tax (IPT). Dear Dr Angela Carter. Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on Sunday 27 December, 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. £3,263.05. £3,263.05. Legal protection. £5,845.87. £5,845.87. 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 Sutton, Cartwright and Farmer , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay. . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover. Policy summary for each cover. ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover . As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, 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 27 December, 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 : KRKEOHX Company name: Sutton, Cartwright and Farmer . It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : KRKEOHX Company name: Sutton, Cartwright and Farmer . Your Hiscox Insurance premium Last year’s annual premium: This year’s annual premium The premium includes all applicable insurance premium tax (IPT). £ 4,518.07 £ 4,518.07 . Your Hiscox Insurance premium . Last year’s annual premium: This year’s annual premium £ 4,518.07 £ 4,518.07 . The premium includes all applicable insurance premium tax (IPT). Dear Dr Angela Carter . Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on Sunday 27 December, 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 £3,263.05 £3,263.05 Legal protection £5,845.87 £5,845.87 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 Sutton, Cartwright and Farmer , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover Policy summary for each cover ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, 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 27 December, 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 27 December, 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 £3,263.05 £3,263.05 Legal protection £5,845.87 £5,845.87 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 Sutton, Cartwright and Farmer , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover Policy summary for each cover ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, 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 27 December, 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) £3,263.05 £5,845.87 £0.00 . This year’s annual Premium (exc IPT) £3,263.05 £5,845.87 . Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) . Professional indemnity £3,263.05 £3,263.05 . Legal protection £5,845.87 £5,845.87 . 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: Angela Carter Frequency of collection: Annual Sort code: %BANK_SORT_CODE_1% Account number: %BANK_ACCOUNT_NUMBER_1% Your Direct Debit schedule We will take payments on the dates outlined below: Date Amount Friday 29 May, 2020 £4,518.07 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: KRKEOHX 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, Cartwright and Farmer Hiscox Underwriting 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:KRKEOHX Name of policy holder:Sutton, Cartwright and Farmer Period of insurance: From Sunday 27 December, 2020 to 16 February, 2023 both days inclusive. This policy isa Continuing cover policy Insurer: Hiscox Insurance Company Limited Retroactive date: Tue 25 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: Sunday 27 December, 2020 Insurance details Policy number: KRKEOHX Period of insurance: From Sunday 27 December, 2020 to 16 February, 2023 both days inclusive. This policy isa Continuing cover policy. Insured: Sutton, Cartwright and Farmer Address: 1 Davies heights Elizabethburgh FARNHAM G0 6DT Additional insureds: None Business: Management Consultants Premium details Charged premium – the total amount you’ll pay for this policy. Charged premium: £4,517.47 Insurance Premium Tax (IPT): £9,002.23 Total charged premium: £4,518.07 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: £4,517.47 Insurance Premium Tax (IPT): £9,002.23 Annual total: £4,518.07 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 £3,263.05 Legal protection £100,000 £0 £5,845.87 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: Sunday 27 December, 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 Tue 25 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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KRKEOHX
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(?<=Policy number - )[-\w_\/\.]+?(?= Company name)
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Sunday 27 December, 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 - 3N/W0VF04/F-R5U4OG/0J Company name: Johnson, Morgan and Graham It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : 3N/W0VF04/F-R5U4OG/0J. Company name: Johnson, Morgan and Graham. Your Hiscox Insurance premium. Last year’s annual premium: This year’s annual premium. £ 9,430.38. £ 9,430.38. The premium includes all applicable insurance premium tax (IPT). Dear Dr Gail Green. Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 01 August, 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. £4,662.62. £4,662.62. Legal protection. £3,483.18. £3,483.18. 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 Johnson, Morgan and Graham , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay. . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover. Policy summary for each cover. ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover . As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, 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 August, 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 : 3N/W0VF04/F-R5U4OG/0J Company name: Johnson, Morgan and Graham . It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : 3N/W0VF04/F-R5U4OG/0J Company name: Johnson, Morgan and Graham . Your Hiscox Insurance premium Last year’s annual premium: This year’s annual premium The premium includes all applicable insurance premium tax (IPT). £ 9,430.38 £ 9,430.38 . Your Hiscox Insurance premium . Last year’s annual premium: This year’s annual premium £ 9,430.38 £ 9,430.38 . The premium includes all applicable insurance premium tax (IPT). Dear Dr Gail Green . Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 01 August, 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 £4,662.62 £4,662.62 Legal protection £3,483.18 £3,483.18 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 Johnson, Morgan and Graham , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover Policy summary for each cover ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, 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 August, 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 August, 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 £4,662.62 £4,662.62 Legal protection £3,483.18 £3,483.18 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 Johnson, Morgan and Graham , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover Policy summary for each cover ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, 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 August, 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) £4,662.62 £3,483.18 £0.00 . This year’s annual Premium (exc IPT) £4,662.62 £3,483.18 . Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) . Professional indemnity £4,662.62 £4,662.62 . Legal protection £3,483.18 £3,483.18 . 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: Gail Green Frequency of collection: Annual Sort code: %BANK_SORT_CODE_1% Account number: %BANK_ACCOUNT_NUMBER_1% Your Direct Debit schedule We will take payments on the dates outlined below: Date Amount Sat 17 April, 2021 £9,430.38 Where your chosen collection date falls ona non-working day then we will endeavour to collect the next working day. For your information, the collections will be made using the following reference number: Originator Identification Number: 293461 Reference Number: 3N/W0VF04/F-R5U4OG/0J 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, Morgan and Graham Hiscox Underwriting 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:3N/W0VF04/F-R5U4OG/0J Name of policy holder:Johnson, Morgan and Graham Period of insurance: From 01 August, 2025 to Fri 19 May, 2023 both days inclusive. This policy isa Continuing cover policy Insurer: Hiscox Insurance Company Limited Retroactive date: 06 April, 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: 01 August, 2025 Insurance details Policy number: 3N/W0VF04/F-R5U4OG/0J Period of insurance: From 01 August, 2025 to Fri 19 May, 2023 both days inclusive. This policy isa Continuing cover policy. Insured: Johnson, Morgan and Graham Address: Flat 00R Porter station Lake Roberttown FARNHAM L06 6PS Additional insureds: None Business: Management Consultants Premium details Charged premium – the total amount you’ll pay for this policy. Charged premium: £8,968.36 Insurance Premium Tax (IPT): £5,035.54 Total charged premium: £9,430.38 Annualised premium – the annual premium for this policy. This is given for comparison purposes. Please refer to the charged premium section for the amount you’ll pay for the policy. Annual premium: £8,968.36 Insurance Premium Tax (IPT): £5,035.54 Annual total: £9,430.38 Please note that there will be no refund or additional premium for any transaction which is less than £20 (excluding IPT). Hiscox Business Insurance Policy Schedule 14502 10/18 Summary Claims information If you need to make a claim: - For claims relating to your building or contents please contact our claims team on 0800 247 1902, 9.00am – 5:30pm Monday to Friday. If you wish to make a claim online, you can log most claims quickly and easily through our claims notification portal at https://claims.hiscox.co.uk/. Outside of normal business hours, if you require emergency assistance in relation to substantial damage to your property, you can speak to our 24-hour emergency assistance team using the telephone number above. Your policy schedule will state if property cover is included in your policy. Our out-of-hours emergency assistance team operate ona pay-and-claim basis and you will need to have credit card details available as appropriate. The team will then be able to direct you to essential tradesmen, emergency loss adjusters or disaster management companies in the event of substantial damage. - If there isa claim (or potential claim) against you bya third party, please email us at liability.claims@hiscox.com. If you need to speak to a member of the claims team urgently, please call our team on 0800 711 7156, 9.00am – 5:30pm Monday to Friday. If you wish to make a claim online, you can log most claims quickly and easily through our claims notification portal at https://claims.hiscox.co.uk/. You will need to provide your full name and contact details, the name of your business or organisation, your address and postcode, the policy reference and circumstances of the claim. The Important information and contact details section below contains additional information specific to the covers applicable to your policy. If you are unsure of who to contact please call our team on 0800 711 7156, 9.00am – 5:30pm Monday to Friday. They will ensure you get through to the correct claims team and let you know what actions you need to take. If anything happens that might be covered under the policy, you must comply with the obligations set out in General claims conditions, together with the obligations set out under Your obligations in the section or sections under which you are making the claim. Itis important that you read the policy for details of its terms in full. Your covers This isa summary of each section of your policy. See each section for cover details. Cover Insurance amount Excess Annual Premium (exc IPT) Professional indemnity £1,000,000 £1,000 £4,662.62 Legal protection £100,000 £0 £3,483.18 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: 01 August, 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 06 April, 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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3N/W0VF04/F-R5U4OG/0J
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(?<=Policy number - )[-\w_\/\.]+?(?= Company name)
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01 August, 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 - 0W3B5VFIIP9MHS85_-8I0 Company name: Bond, Barnes and Read It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : 0W3B5VFIIP9MHS85_-8I0. Company name: Bond, Barnes and Read. Your Hiscox Insurance premium. Last year’s annual premium: This year’s annual premium. £ 1,528.20. £ 1,528.20. The premium includes all applicable insurance premium tax (IPT). Dear Mrs Maureen Norman. Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 23/08/24 . 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. £8,960.06. £8,960.06. Legal protection. £7,277.30. £7,277.30. 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 Bond, Barnes and Read , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay. . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover. Policy summary for each cover. ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover . As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before 23/08/24 . 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 : 0W3B5VFIIP9MHS85_-8I0 Company name: Bond, Barnes and Read . It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : 0W3B5VFIIP9MHS85_-8I0 Company name: Bond, Barnes and Read . Your Hiscox Insurance premium Last year’s annual premium: This year’s annual premium The premium includes all applicable insurance premium tax (IPT). £ 1,528.20 £ 1,528.20 . Your Hiscox Insurance premium . Last year’s annual premium: This year’s annual premium £ 1,528.20 £ 1,528.20 . The premium includes all applicable insurance premium tax (IPT). Dear Mrs Maureen Norman . Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 23/08/24 . 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 £8,960.06 £8,960.06 Legal protection £7,277.30 £7,277.30 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 Bond, Barnes and Read , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover Policy summary for each cover ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before 23/08/24 . 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 23/08/24 . 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 £8,960.06 £8,960.06 Legal protection £7,277.30 £7,277.30 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 Bond, Barnes and Read , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover Policy summary for each cover ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before 23/08/24 . 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) £8,960.06 £7,277.30 £0.00 . This year’s annual Premium (exc IPT) £8,960.06 £7,277.30 . Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) . Professional indemnity £8,960.06 £8,960.06 . Legal protection £7,277.30 £7,277.30 . 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: Maureen Norman 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 20/05/22 £1,528.20 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: 0W3B5VFIIP9MHS85_-8I0 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 Bond, Barnes and Read Hiscox Underwriting Ltd of 1 Great St. Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Certificate of professional indemnity Insurance Policy number:0W3B5VFIIP9MHS85_-8I0 Name of policy holder:Bond, Barnes and Read Period of insurance: From 23/08/24 to 10/08/19 both days inclusive. This policy isa Continuing cover policy Insurer: Hiscox Insurance Company Limited Retroactive date: 12/06/2021 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: 23/08/24 Insurance details Policy number: 0W3B5VFIIP9MHS85_-8I0 Period of insurance: From 23/08/24 to 10/08/19 both days inclusive. This policy isa Continuing cover policy. Insured: Bond, Barnes and Read Address: 762 Jackson drive South Stanley FARNHAM M7 2TD Additional insureds: None Business: Management Consultants Premium details Charged premium – the total amount you’ll pay for this policy. Charged premium: £6,087.22 Insurance Premium Tax (IPT): £3,757.28 Total charged premium: £1,528.20 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: £6,087.22 Insurance Premium Tax (IPT): £3,757.28 Annual total: £1,528.20 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 £8,960.06 Legal protection £100,000 £0 £7,277.30 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: 23/08/24 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 12/06/2021 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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0W3B5VFIIP9MHS85_-8I0
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(?<=Policy number - )[-\w_\/\.]+?(?= Company name)
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23/08/24
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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 - MXAFS.WVMTL-QTB Company name: Cross, Morris and Thompson It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : MXAFS.WVMTL-QTB. Company name: Cross, Morris and Thompson. Your Hiscox Insurance premium. Last year’s annual premium: This year’s annual premium. £ 3,604.13. £ 3,604.13. The premium includes all applicable insurance premium tax (IPT). Dear Mr Mrs Maureen Banks. Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 2024-02-18 . Good news; if you want cover to continue with us and to make sure you stay protected by our award-winning cover, you do not need to do anything. We will update your policy onto our latest wording and continue to collect payment using the payment details we have for you. You must read the important information contained in this email and the attached documents. Your Hiscox Insurance Premium breakdown. The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). The amount shown as last year’s Annual premium will take into account any changes to the cover which may have been made during the last policy period. Cover. Last year’s annual premium (exc IPT). This year’s annual Premium (exc IPT). Professional indemnity. £2,638.30. £2,638.30. Legal protection. £451.41. £451.41. Crisis containment. £0.00. Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy . Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government increase in Insurance Premium Tax as shown. Is our information correct? Your premium and cover are based on what you’ve told us about Cross, Morris and Thompson , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay. . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover. Policy summary for each cover. ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover . As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before 2024-02-18 . We’re here between 8:30am - 5:30pm Monday to Friday . Please note that we can only discuss policy changes with people named on the policy. Why renew with Hiscox. - Reassuring: we offer a range of cover options that can be tailored to your needs. - Flexible: we offer full flexibility to change your policy, with no administration fees . - Award-winning cover : we’ve been named Best Small Business Insurer 7 years running by Start Your Business Magazine . Please click this link for the Hiscox Referral Portal: https://refer.aklamio.com/hiscox/uk?source=postpurchase. Thank you again for choosing Hiscox to insure your business. We hope you and your business have a very successful year. Kind regards. Jon Dye. CEO, Hiscox UK. Business Insurance for the small and the brave. To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre. Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. This email and any files transmitted with it are confidential and intended solely for the use of the individual or entity to whom they are addressed. No one else is authorised to distribute, forward, print, copy or act upon any information contained in this email. If you have received this email in error, please notify the sender. Hiscox Syndicates Limited and Hiscox Insurance Company Limited are authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Hiscox Underwriting Limited, Hiscox Underwriting Services Ltd, Hiscox MGA Ltd and Hiscox ASM Ltd are authorised and regulated by the Financial Conduct Authority. Hiscox Assure SAS is duly registered as an insurance broker with the ORIAS, which is the French Official Registry of Insurance Intermediaries. Hiscox plc is a company registered in England and Wales under company registration number 2837811 and registered office at 1 Great St Helen's, London EC3A 6HX. Hiscox SA is a company registered in Luxembourg at 35 Avenue John F. Kennedy 35F, Luxembourg L-1855, and is authorised by the Commissariat aux Assurances de Luxembourg. It’s time to renew your Hiscox Business Insurance Hiscox Insurance policy number : MXAFS.WVMTL-QTB Company name: Cross, Morris and Thompson . It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : MXAFS.WVMTL-QTB Company name: Cross, Morris and Thompson . Your Hiscox Insurance premium Last year’s annual premium: This year’s annual premium The premium includes all applicable insurance premium tax (IPT). £ 3,604.13 £ 3,604.13 . Your Hiscox Insurance premium . Last year’s annual premium: This year’s annual premium £ 3,604.13 £ 3,604.13 . The premium includes all applicable insurance premium tax (IPT). Dear Mr Mrs Maureen Banks . Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 2024-02-18 . Good news; if you want cover to continue with us and to make sure you stay protected by our award-winning cover, you do not need to do anything. We will update your policy onto our latest wording and continue to collect payment using the payment details we have for you. You must read the important information contained in this email and the attached documents Your Hiscox Insurance Premium breakdown The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). The amount shown as last year’s Annual premium will take into account any changes to the cover which may have been made during the last policy period. Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) Professional indemnity £2,638.30 £2,638.30 Legal protection £451.41 £451.41 Crisis containment £0.00 Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government increase in Insurance Premium Tax as shown. Is our information correct? Your premium and cover are based on what you’ve told us about Cross, Morris and Thompson , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover Policy summary for each cover ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before 2024-02-18 . We’re here between 8:30am - 5:30pm Monday to Friday . Please note that we can only discuss policy changes with people named on the policy. Why renew with Hiscox - Reassuring: we offer a range of cover options that can be tailored to your needs - Flexible: we offer full flexibility to change your policy, with no administration fees - Award-winning cover : we’ve been named Best Small Business Insurer 7 years running by Start Your Business Magazine Please click this link for the Hiscox Referral Portal: https://refer.aklamio.com/hiscox/uk?source=postpurchase Thank you again for choosing Hiscox to insure your business. We hope you and your business have a very successful year. Kind regards Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 2024-02-18 . Good news; if you want cover to continue with us and to make sure you stay protected by our award-winning cover, you do not need to do anything. We will update your policy onto our latest wording and continue to collect payment using the payment details we have for you. You must read the important information contained in this email and the attached documents Your Hiscox Insurance Premium breakdown The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). The amount shown as last year’s Annual premium will take into account any changes to the cover which may have been made during the last policy period. Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) Professional indemnity £2,638.30 £2,638.30 Legal protection £451.41 £451.41 Crisis containment £0.00 Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government increase in Insurance Premium Tax as shown. Is our information correct? Your premium and cover are based on what you’ve told us about Cross, Morris and Thompson , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover Policy summary for each cover ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before 2024-02-18 . We’re here between 8:30am - 5:30pm Monday to Friday . Please note that we can only discuss policy changes with people named on the policy. Why renew with Hiscox - Reassuring: we offer a range of cover options that can be tailored to your needs - Flexible: we offer full flexibility to change your policy, with no administration fees - Award-winning cover : we’ve been named Best Small Business Insurer 7 years running by Start Your Business Magazine Please click this link for the Hiscox Referral Portal: https://refer.aklamio.com/hiscox/uk?source=postpurchase Thank you again for choosing Hiscox to insure your business. We hope you and your business have a very successful year. Kind regards Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Your Hiscox Insurance Premium breakdown The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). Cover Professional indemnity Legal protection Crisis containment . Last year’s annual premium (exc IPT) £2,638.30 £451.41 £0.00 . This year’s annual Premium (exc IPT) £2,638.30 £451.41 . Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) . Professional indemnity £2,638.30 £2,638.30 . Legal protection £451.41 £451.41 . Crisis containment £0.00 . Kind regards Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre . Kind regards . Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave . To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre . Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Page / 1 Hiscox Business Insurance Policy wording 17431a - DC565 WORDING 04/17Guide to sectionsIntroduction Policy wordings General terms and conditions Professional indemnity for business management consultants Legal protection Crisis containment Hiscox Business Insurance Policy wording 17431a - DC565 WORDING 04/17IntroductionThank you for choosing Hiscox to protect your business. We hope that the language and layout of this policy wording are clear because we want you to understand the insurance we provide as well as the responsibilities we have to each other. Please read this document, including the policy schedule, policy summary and statement of fact, and let us know as soon as possible if any of the details are shown incorrectly. We always try to deliver to the highest standards of service. Your views are important to us, so if you feel that our service is below the standard you would expect from Hiscox, please contact us on the phone number shown in your policy schedule. Please note that some of the words we use in this insurance are shown in bold type. These words are defined in each section of the wording. Page / 1 Hiscox Insurance Payment schedule Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Thank you for continuing to pay for your policy by Direct Debit. Please check these details and let us know if anything is incorrect or if the schedule is not suitable. Your reference details Account holder name: Mrs Maureen 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 03 April, 2020 £3,604.13 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: MXAFS.WVMTL-QTB If you have any questions about your policy or payments, please call us on 0800 280 0351. We’re here between 8:30am - 5:30pm Monday to Friday or you can email us at service@hiscox.co.uk. Using your personal information Hiscox isa trading name ofa number of Hiscox companies. The specific company acting asa data controller of your personal information will be listed in the documentation we provide to you. If you are unsure you can also contact us at anytime by telephoning 01904 681198 or by emailing us at dataprotectionofficer@hiscox.com. We collect and process information about you in order to provide insurance policies and to process claims. Your information is also used for business purposes such as fraud prevention and detection and financial management. This may involve sharing your information with, and obtaining information about you from, our group companies and third parties such as brokers, loss adjusters, credit reference agencies, service providers, professional advisors, our regulators or fraud prevention agencies. We may record telephone calls to help us monitor and improve the service we provide. For further information on how your information is used and your rights in relation to your information please see our privacy policy at www.hiscox.co.uk/cookies-privacy. The Direct Debit Guarantee This Guarantee is offered by all banks and building societies that accept instructions to pay Direct Debits. If there are any changes to the amount, date or frequency of your Direct Debit Hiscox Underwriting Ltd will notify you ten working days in advance of your account being debited or as otherwise agreed. If you request Hiscox Underwriting Ltd to collect a payment, confirmation of the amount and date will be given to you at the time of the request. If an error is made in the payment of your Direct Debit by Hiscox Underwriting Ltd or your bank or building society you are entitled to a full and immediate refund of the amount paid from your bank or building society. – If you receive a refund you are not entitled to, you must pay it back when Hiscox Underwriting Ltd asks you to. You can cancel a Direct Debit at anytime by simply contacting your bank or building society. Written confirmation maybe required. Please also notify us. Page / 1 Hiscox Business Insurance Policy summary JAC-PSC-UK-DC556(5.4) 17431b 07/20 Your Hiscox Business Insurance policy summaries This document contains the summaries for any policy covers you have selected to protect your business. These summaries outline the key information about your policies so you can be confident that you have understood what you have bought and what you are covered for. However, you should carefully read your policy in full and ensure that you understand its terms and conditions in full. If you have any queries, you should contact Hiscox or your insurance advisor. Your side of the bargain Remember, your premium and insurance are based on the details you have provided to us. Please make sure this information accurately reflects your business and that you inform us immediately if anything needs to change. Please also tell us of any changes in circumstances that may affect the services provided by us or the cover provided by your policy. This is particularly important before taking out a policy, but it also applies throughout the life of the policy too. You need to consider: ■if you fail to fairly present the risk to us, including by failing to disclose any information material to the insurance, you could invalidate the policy, claims may not be paid or the amount we pay maybe reduced; ■you should read and check all insurance documents to ensure that you are aware of the cover, limits and other terms that apply; ■if you fail to let us know of any changes to your circumstances during the period of insurance or, if when telling us about such changes you fail to present the risk to us fairly, you could invalidate the policy, claims may not be paid or the amount we pay maybe reduced; ■please be aware of all terms and conditions of your policy because failure to comply with them could invalidate it or result in us not paying a claim or reducing the amount we pay; ■in the event ofa claim, you should take note of the required procedures, such as giving Hiscox prompt notice of the claims, as stated in the policy documentation. In particular, if you fail to notify us when you first become aware ofa shortcoming, fact, or problem, admit you are liable for what has happened or appoint solicitors or other legal representation without our prior written approval, claims or defence costs may not be paid or the amount we pay maybe reduced; ■as with any insurance, you have an obligation to take reasonable steps to mitigate any loss or liability; ■if you make a fraudulent claim or try to deceive us, we may terminate the policy. Policy length The period of insurance is shown on your policy schedule. Your policy schedule will also show if the policy is ona continuing cover basis. If itis ona continuing cover basis, we will renew your policy each year for another 12 months and continue to take payment (including any premium adjustment shown in your renewal invitation) using your existing arrangement, unless you tell us otherwise or if your risk changes. If your policy schedule does not show that the policy is ona continuing cover basis, cover will cease at the end of the period of insurance, unless you renew your policy with us. We will provide you witha statement of fact each year and provided that the information contained within the statement of fact is true, complete and accurate, you do not need to provide us with any further information. If any of the information in your statement of fact is not true, complete and accurate, you must let us know. If you do not let us know, it may affect the validity of the policy or our ability to pay a claim. Retroactive dates, geographical and jurisdiction limits Where any section of your policy schedule includes a retroactive date, we will not make any payment for any claim or loss under that section which arises from any activity performed or any act, incident or occurrence taking place, before the retroactive date. Where any section of your policy schedule shows the geographical limits which apply to that section of the policy, we will only pay for claims and losses under that section which arise from activities performed or acts, incidents or occurrences taking place within those geographical limits. Where any section provides cover in respect of your liability to third parties, we will only cover claims first made ina country within the applicable courts stated in that section of your policy schedule. Hiscox Business Insurance Policy summary JAC-PSC-UK-DC556(5.4) 17431b 07/20 Cancellation rights You can cancel this policy by giving us 30 days' notice. You will only be charged for the premiums due up to the date of cancellation. If we need to cancel the policy, we’ll give you 30 days’ notice in writing and refund any surplus premiums you might have paid. Please note – we may deduct an administration fee from any refunded payment.There is an exception to our 30-day notice period, which is triggered when we don’t receive your Direct Debit payments within the agreed 14-day period. At this point, we will contact you as soon as possible and stop the policyPage / 2 immediately. Underwritten by:Hiscox Underwriting Ltd on behalf of the insurers named in the schedule. Page / 1 Certificate of professional indemnity insurance Cross, Morris and Thompson Hiscox Underwriting 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:MXAFS.WVMTL-QTB Name of policy holder:Cross, Morris and Thompson Period of insurance: From 2024-02-18 to 01 August, 2021 both days inclusive. This policy isa Continuing cover policy Insurer: Hiscox Insurance Company Limited Retroactive date: Fri 07 January, 2022 Level of cover:£1,000,000 Signed on behalf of Hiscox Underwriting Limited as agent for the insurers Jon Dye CEO, Hiscox UK Notes: (a) This insurance is subject to policy terms and conditions and any special terms notified to the InsuredPage / 1 Hiscox Business Insurance Policy Schedule 14502 10/18 This schedule tells you what is insured with us. It should be read carefully with your policy wording(s) and statement of fact detailed elsewhere in this document. Schedule effective date: 2024-02-18 Insurance details Policy number: MXAFS.WVMTL-QTB Period of insurance: From 2024-02-18 to 01 August, 2021 both days inclusive. This policy isa Continuing cover policy. Insured: Cross, Morris and Thompson Address: 47 Burton inlet Singhberg FARNHAM ML0 1YB Additional insureds: None Business: Management Consultants Premium details Charged premium – the total amount you’ll pay for this policy. Charged premium: £5,765.34 Insurance Premium Tax (IPT): £4,223.50 Total charged premium: £3,604.13 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: £5,765.34 Insurance Premium Tax (IPT): £4,223.50 Annual total: £3,604.13 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 £2,638.30 Legal protection £100,000 £0 £451.41 Crisis containment £25,000 - £0.00 The figures above are in summary only and are not in addition to the amount insured specified against each cover section below. Hiscox Business Insurance Policy Schedule 14502 10/18 SECTION: PROFESSIONAL INDEMNITY – MANAGEMENT CONSULTANTS Cover start date: 2024-02-18 Limit of indemnity £1,000,000 Limit applies to in the aggregate, including all costs Excess £1,000 Excess applies to each and every claim or loss, including all costs Geographical limits Worldwide Applicable courts Worldwide (excluding United States of America and Canada) Claims brought in USA or Canada Not covered Additional covers (in addition to overall limit of indemnity stated above) Cover Limit of indemnity Limit applies to Court attendance compensation - employees £250 per person, per day Court attendance compensation - directors and partners£500 per person, per day Court attendance compensation: in total £100,000 in the aggregate Special limits (included within not in addition to the overall limit of indemnity stated above) Cover Limit of indemnity Limit applies to Personal data claims £250,000 in the aggregate, including all costs Business activities Business managementPage / 2 consultant Retroactive date Fri 07 January, 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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MXAFS.WVMTL-QTB
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(?<=Policy number - )[-\w_\/\.]+?(?= Company name)
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2024-02-18
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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 - aspernatur-deserunt-quas Company name: Pollard-Barnes It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : aspernatur-deserunt-quas. Company name: Pollard-Barnes. Your Hiscox Insurance premium. Last year’s annual premium: This year’s annual premium. £ 1,359.84. £ 1,359.84. The premium includes all applicable insurance premium tax (IPT). Dear Mrs Linda Burgess. Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 2022-07-15 . 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. £9,170.32. £9,170.32. Legal protection. £7,586.84. £7,586.84. 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 Pollard-Barnes , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay. . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover. Policy summary for each cover. ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover . As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before 2022-07-15 . 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 : aspernatur-deserunt-quas Company name: Pollard-Barnes . It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : aspernatur-deserunt-quas Company name: Pollard-Barnes . Your Hiscox Insurance premium Last year’s annual premium: This year’s annual premium The premium includes all applicable insurance premium tax (IPT). £ 1,359.84 £ 1,359.84 . Your Hiscox Insurance premium . Last year’s annual premium: This year’s annual premium £ 1,359.84 £ 1,359.84 . The premium includes all applicable insurance premium tax (IPT). Dear Mrs Linda Burgess . Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 2022-07-15 . 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 £9,170.32 £9,170.32 Legal protection £7,586.84 £7,586.84 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 Pollard-Barnes , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover Policy summary for each cover ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before 2022-07-15 . 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 2022-07-15 . 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 £9,170.32 £9,170.32 Legal protection £7,586.84 £7,586.84 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 Pollard-Barnes , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover Policy summary for each cover ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before 2022-07-15 . 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) £9,170.32 £7,586.84 £0.00 . This year’s annual Premium (exc IPT) £9,170.32 £7,586.84 . Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) . Professional indemnity £9,170.32 £9,170.32 . Legal protection £7,586.84 £7,586.84 . 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: Linda Burgess Frequency of collection: Annual Sort code: %BANK_SORT_CODE_1% Account number: %BANK_ACCOUNT_NUMBER_1% Your Direct Debit schedule We will take payments on the dates outlined below: Date Amount 29/01/2022 £1,359.84 Where your chosen collection date falls ona non-working day then we will endeavour to collect the next working day. For your information, the collections will be made using the following reference number: Originator Identification Number: 293461 Reference Number: aspernatur-deserunt-quas 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 Pollard-Barnes Hiscox Underwriting 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:aspernatur-deserunt-quas Name of policy holder:Pollard-Barnes Period of insurance: From 2022-07-15 to 15/12/2024 both days inclusive. This policy isa Continuing cover policy Insurer: Hiscox Insurance Company Limited Retroactive date: Tue 29 September, 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: 2022-07-15 Insurance details Policy number: aspernatur-deserunt-quas Period of insurance: From 2022-07-15 to 15/12/2024 both days inclusive. This policy isa Continuing cover policy. Insured: Pollard-Barnes Address: 5 Clements fork Lambertview FARNHAM BH02 5TP Additional insureds: None Business: Management Consultants Premium details Charged premium – the total amount you’ll pay for this policy. Charged premium: £9,339.49 Insurance Premium Tax (IPT): £7,203.70 Total charged premium: £1,359.84 Annualised premium – the annual premium for this policy. This is given for comparison purposes. Please refer to the charged premium section for the amount you’ll pay for the policy. Annual premium: £9,339.49 Insurance Premium Tax (IPT): £7,203.70 Annual total: £1,359.84 Please note that there will be no refund or additional premium for any transaction which is less than £20 (excluding IPT). Hiscox Business Insurance Policy Schedule 14502 10/18 Summary Claims information If you need to make a claim: - For claims relating to your building or contents please contact our claims team on 0800 247 1902, 9.00am – 5:30pm Monday to Friday. If you wish to make a claim online, you can log most claims quickly and easily through our claims notification portal at https://claims.hiscox.co.uk/. Outside of normal business hours, if you require emergency assistance in relation to substantial damage to your property, you can speak to our 24-hour emergency assistance team using the telephone number above. Your policy schedule will state if property cover is included in your policy. Our out-of-hours emergency assistance team operate ona pay-and-claim basis and you will need to have credit card details available as appropriate. The team will then be able to direct you to essential tradesmen, emergency loss adjusters or disaster management companies in the event of substantial damage. - If there isa claim (or potential claim) against you bya third party, please email us at liability.claims@hiscox.com. If you need to speak to a member of the claims team urgently, please call our team on 0800 711 7156, 9.00am – 5:30pm Monday to Friday. If you wish to make a claim online, you can log most claims quickly and easily through our claims notification portal at https://claims.hiscox.co.uk/. You will need to provide your full name and contact details, the name of your business or organisation, your address and postcode, the policy reference and circumstances of the claim. The Important information and contact details section below contains additional information specific to the covers applicable to your policy. If you are unsure of who to contact please call our team on 0800 711 7156, 9.00am – 5:30pm Monday to Friday. They will ensure you get through to the correct claims team and let you know what actions you need to take. If anything happens that might be covered under the policy, you must comply with the obligations set out in General claims conditions, together with the obligations set out under Your obligations in the section or sections under which you are making the claim. Itis important that you read the policy for details of its terms in full. Your covers This isa summary of each section of your policy. See each section for cover details. Cover Insurance amount Excess Annual Premium (exc IPT) Professional indemnity £1,000,000 £1,000 £9,170.32 Legal protection £100,000 £0 £7,586.84 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: 2022-07-15 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 Tue 29 September, 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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aspernatur-deserunt-quas
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(?<=Policy number - )[-\w_\/\.]+?(?= Company name)
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2022-07-15
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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 - P4/.7NWYO0JH/R/47VR Company name: King, Kaur and Briggs It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : P4/.7NWYO0JH/R/47VR. Company name: King, Kaur and Briggs. Your Hiscox Insurance premium. Last year’s annual premium: This year’s annual premium. £ 4,007.99. £ 4,007.99. The premium includes all applicable insurance premium tax (IPT). Dear Dr Julian Phillips. Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 04/03/2025 . Good news; if you want cover to continue with us and to make sure you stay protected by our award-winning cover, you do not need to do anything. We will update your policy onto our latest wording and continue to collect payment using the payment details we have for you. You must read the important information contained in this email and the attached documents. Your Hiscox Insurance Premium breakdown. The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). The amount shown as last year’s Annual premium will take into account any changes to the cover which may have been made during the last policy period. Cover. Last year’s annual premium (exc IPT). This year’s annual Premium (exc IPT). Professional indemnity. £815.33. £815.33. Legal protection. £4,286.89. £4,286.89. Crisis containment. £0.00. Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy . Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government increase in Insurance Premium Tax as shown. Is our information correct? Your premium and cover are based on what you’ve told us about King, Kaur and Briggs , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay. . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover. Policy summary for each cover. ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover . As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before 04/03/2025 . We’re here between 8:30am - 5:30pm Monday to Friday . Please note that we can only discuss policy changes with people named on the policy. Why renew with Hiscox. - Reassuring: we offer a range of cover options that can be tailored to your needs. - Flexible: we offer full flexibility to change your policy, with no administration fees . - Award-winning cover : we’ve been named Best Small Business Insurer 7 years running by Start Your Business Magazine . Please click this link for the Hiscox Referral Portal: https://refer.aklamio.com/hiscox/uk?source=postpurchase. Thank you again for choosing Hiscox to insure your business. We hope you and your business have a very successful year. Kind regards. Jon Dye. CEO, Hiscox UK. Business Insurance for the small and the brave. To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre. Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. This email and any files transmitted with it are confidential and intended solely for the use of the individual or entity to whom they are addressed. No one else is authorised to distribute, forward, print, copy or act upon any information contained in this email. If you have received this email in error, please notify the sender. Hiscox Syndicates Limited and Hiscox Insurance Company Limited are authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Hiscox Underwriting Limited, Hiscox Underwriting Services Ltd, Hiscox MGA Ltd and Hiscox ASM Ltd are authorised and regulated by the Financial Conduct Authority. Hiscox Assure SAS is duly registered as an insurance broker with the ORIAS, which is the French Official Registry of Insurance Intermediaries. Hiscox plc is a company registered in England and Wales under company registration number 2837811 and registered office at 1 Great St Helen's, London EC3A 6HX. Hiscox SA is a company registered in Luxembourg at 35 Avenue John F. Kennedy 35F, Luxembourg L-1855, and is authorised by the Commissariat aux Assurances de Luxembourg. It’s time to renew your Hiscox Business Insurance Hiscox Insurance policy number : P4/.7NWYO0JH/R/47VR Company name: King, Kaur and Briggs . It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : P4/.7NWYO0JH/R/47VR Company name: King, Kaur and Briggs . Your Hiscox Insurance premium Last year’s annual premium: This year’s annual premium The premium includes all applicable insurance premium tax (IPT). £ 4,007.99 £ 4,007.99 . Your Hiscox Insurance premium . Last year’s annual premium: This year’s annual premium £ 4,007.99 £ 4,007.99 . The premium includes all applicable insurance premium tax (IPT). Dear Dr Julian Phillips . Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 04/03/2025 . Good news; if you want cover to continue with us and to make sure you stay protected by our award-winning cover, you do not need to do anything. We will update your policy onto our latest wording and continue to collect payment using the payment details we have for you. You must read the important information contained in this email and the attached documents Your Hiscox Insurance Premium breakdown The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). The amount shown as last year’s Annual premium will take into account any changes to the cover which may have been made during the last policy period. Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) Professional indemnity £815.33 £815.33 Legal protection £4,286.89 £4,286.89 Crisis containment £0.00 Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government increase in Insurance Premium Tax as shown. Is our information correct? Your premium and cover are based on what you’ve told us about King, Kaur and Briggs , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover Policy summary for each cover ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before 04/03/2025 . We’re here between 8:30am - 5:30pm Monday to Friday . Please note that we can only discuss policy changes with people named on the policy. Why renew with Hiscox - Reassuring: we offer a range of cover options that can be tailored to your needs - Flexible: we offer full flexibility to change your policy, with no administration fees - Award-winning cover : we’ve been named Best Small Business Insurer 7 years running by Start Your Business Magazine Please click this link for the Hiscox Referral Portal: https://refer.aklamio.com/hiscox/uk?source=postpurchase Thank you again for choosing Hiscox to insure your business. We hope you and your business have a very successful year. Kind regards Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 04/03/2025 . Good news; if you want cover to continue with us and to make sure you stay protected by our award-winning cover, you do not need to do anything. We will update your policy onto our latest wording and continue to collect payment using the payment details we have for you. You must read the important information contained in this email and the attached documents Your Hiscox Insurance Premium breakdown The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). The amount shown as last year’s Annual premium will take into account any changes to the cover which may have been made during the last policy period. Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) Professional indemnity £815.33 £815.33 Legal protection £4,286.89 £4,286.89 Crisis containment £0.00 Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government increase in Insurance Premium Tax as shown. Is our information correct? Your premium and cover are based on what you’ve told us about King, Kaur and Briggs , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover Policy summary for each cover ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before 04/03/2025 . We’re here between 8:30am - 5:30pm Monday to Friday . Please note that we can only discuss policy changes with people named on the policy. Why renew with Hiscox - Reassuring: we offer a range of cover options that can be tailored to your needs - Flexible: we offer full flexibility to change your policy, with no administration fees - Award-winning cover : we’ve been named Best Small Business Insurer 7 years running by Start Your Business Magazine Please click this link for the Hiscox Referral Portal: https://refer.aklamio.com/hiscox/uk?source=postpurchase Thank you again for choosing Hiscox to insure your business. We hope you and your business have a very successful year. Kind regards Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Your Hiscox Insurance Premium breakdown The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). Cover Professional indemnity Legal protection Crisis containment . Last year’s annual premium (exc IPT) £815.33 £4,286.89 £0.00 . This year’s annual Premium (exc IPT) £815.33 £4,286.89 . Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) . Professional indemnity £815.33 £815.33 . Legal protection £4,286.89 £4,286.89 . Crisis containment £0.00 . Kind regards Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre . Kind regards . Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave . To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre . Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Page / 1 Hiscox Business Insurance Policy wording 17431a - DC565 WORDING 04/17Guide to sectionsIntroduction Policy wordings General terms and conditions Professional indemnity for business management consultants Legal protection Crisis containment Hiscox Business Insurance Policy wording 17431a - DC565 WORDING 04/17IntroductionThank you for choosing Hiscox to protect your business. We hope that the language and layout of this policy wording are clear because we want you to understand the insurance we provide as well as the responsibilities we have to each other. Please read this document, including the policy schedule, policy summary and statement of fact, and let us know as soon as possible if any of the details are shown incorrectly. We always try to deliver to the highest standards of service. Your views are important to us, so if you feel that our service is below the standard you would expect from Hiscox, please contact us on the phone number shown in your policy schedule. Please note that some of the words we use in this insurance are shown in bold type. These words are defined in each section of the wording. Page / 1 Hiscox Insurance Payment schedule Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Thank you for continuing to pay for your policy by Direct Debit. Please check these details and let us know if anything is incorrect or if the schedule is not suitable. Your reference details Account holder name: Julian 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 Wed 18 June, 2025 £4,007.99 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: P4/.7NWYO0JH/R/47VR 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, Kaur and Briggs Hiscox Underwriting 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:P4/.7NWYO0JH/R/47VR Name of policy holder:King, Kaur and Briggs Period of insurance: From 04/03/2025 to 2025-01-28 both days inclusive. This policy isa Continuing cover policy Insurer: Hiscox Insurance Company Limited Retroactive date: 2023-12-18 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: 04/03/2025 Insurance details Policy number: P4/.7NWYO0JH/R/47VR Period of insurance: From 04/03/2025 to 2025-01-28 both days inclusive. This policy isa Continuing cover policy. Insured: King, Kaur and Briggs Address: 609 Brett forges Port Sarahhaven FARNHAM N48 2BN Additional insureds: None Business: Management Consultants Premium details Charged premium – the total amount you’ll pay for this policy. Charged premium: £2,700.89 Insurance Premium Tax (IPT): £5,438.79 Total charged premium: £4,007.99 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: £2,700.89 Insurance Premium Tax (IPT): £5,438.79 Annual total: £4,007.99 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 £815.33 Legal protection £100,000 £0 £4,286.89 Crisis containment £25,000 - £0.00 The figures above are in summary only and are not in addition to the amount insured specified against each cover section below. Hiscox Business Insurance Policy Schedule 14502 10/18 SECTION: PROFESSIONAL INDEMNITY – MANAGEMENT CONSULTANTS Cover start date: 04/03/2025 Limit of indemnity £1,000,000 Limit applies to in the aggregate, including all costs Excess £1,000 Excess applies to each and every claim or loss, including all costs Geographical limits Worldwide Applicable courts Worldwide (excluding United States of America and Canada) Claims brought in USA or Canada Not covered Additional covers (in addition to overall limit of indemnity stated above) Cover Limit of indemnity Limit applies to Court attendance compensation - employees £250 per person, per day Court attendance compensation - directors and partners£500 per person, per day Court attendance compensation: in total £100,000 in the aggregate Special limits (included within not in addition to the overall limit of indemnity stated above) Cover Limit of indemnity Limit applies to Personal data claims £250,000 in the aggregate, including all costs Business activities Business managementPage / 2 consultant Retroactive date 2023-12-18 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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P4/.7NWYO0JH/R/47VR
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(?<=Policy number - )[-\w_\/\.]+?(?= Company name)
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04/03/2025
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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 - qrv-t-t.xxhqdvsxbvxuvw Company name: Morley, Bentley and Bennett It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : qrv-t-t.xxhqdvsxbvxuvw. Company name: Morley, Bentley and Bennett. Your Hiscox Insurance premium. Last year’s annual premium: This year’s annual premium. £ 6,471.24. £ 6,471.24. The premium includes all applicable insurance premium tax (IPT). Dear Mr Ronald Moss-Thompson. Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on Fri 31 July, 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. £7,561.51. £7,561.51. Legal protection. £5,599.33. £5,599.33. 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 Morley, Bentley and Bennett , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay. . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover. Policy summary for each cover. ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover . As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, 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 31 July, 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 : qrv-t-t.xxhqdvsxbvxuvw Company name: Morley, Bentley and Bennett . It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : qrv-t-t.xxhqdvsxbvxuvw Company name: Morley, Bentley and Bennett . Your Hiscox Insurance premium Last year’s annual premium: This year’s annual premium The premium includes all applicable insurance premium tax (IPT). £ 6,471.24 £ 6,471.24 . Your Hiscox Insurance premium . Last year’s annual premium: This year’s annual premium £ 6,471.24 £ 6,471.24 . The premium includes all applicable insurance premium tax (IPT). Dear Mr Ronald Moss-Thompson . Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on Fri 31 July, 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 £7,561.51 £7,561.51 Legal protection £5,599.33 £5,599.33 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 Morley, Bentley and Bennett , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover Policy summary for each cover ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, 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 31 July, 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 31 July, 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 £7,561.51 £7,561.51 Legal protection £5,599.33 £5,599.33 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 Morley, Bentley and Bennett , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover Policy summary for each cover ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, 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 31 July, 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) £7,561.51 £5,599.33 £0.00 . This year’s annual Premium (exc IPT) £7,561.51 £5,599.33 . Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) . Professional indemnity £7,561.51 £7,561.51 . Legal protection £5,599.33 £5,599.33 . 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: Ronald Moss-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 07 November, 2024 £6,471.24 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: qrv-t-t.xxhqdvsxbvxuvw If you have any questions about your policy or payments, please call us on 0800 280 0351. We’re here between 8:30am - 5:30pm Monday to Friday or you can email us at service@hiscox.co.uk. Using your personal information Hiscox isa trading name ofa number of Hiscox companies. The specific company acting asa data controller of your personal information will be listed in the documentation we provide to you. If you are unsure you can also contact us at anytime by telephoning 01904 681198 or by emailing us at dataprotectionofficer@hiscox.com. We collect and process information about you in order to provide insurance policies and to process claims. Your information is also used for business purposes such as fraud prevention and detection and financial management. This may involve sharing your information with, and obtaining information about you from, our group companies and third parties such as brokers, loss adjusters, credit reference agencies, service providers, professional advisors, our regulators or fraud prevention agencies. We may record telephone calls to help us monitor and improve the service we provide. For further information on how your information is used and your rights in relation to your information please see our privacy policy at www.hiscox.co.uk/cookies-privacy. The Direct Debit Guarantee This Guarantee is offered by all banks and building societies that accept instructions to pay Direct Debits. If there are any changes to the amount, date or frequency of your Direct Debit Hiscox Underwriting Ltd will notify you ten working days in advance of your account being debited or as otherwise agreed. If you request Hiscox Underwriting Ltd to collect a payment, confirmation of the amount and date will be given to you at the time of the request. If an error is made in the payment of your Direct Debit by Hiscox Underwriting Ltd or your bank or building society you are entitled to a full and immediate refund of the amount paid from your bank or building society. – If you receive a refund you are not entitled to, you must pay it back when Hiscox Underwriting Ltd asks you to. You can cancel a Direct Debit at anytime by simply contacting your bank or building society. Written confirmation maybe required. Please also notify us. Page / 1 Hiscox Business Insurance Policy summary JAC-PSC-UK-DC556(5.4) 17431b 07/20 Your Hiscox Business Insurance policy summaries This document contains the summaries for any policy covers you have selected to protect your business. These summaries outline the key information about your policies so you can be confident that you have understood what you have bought and what you are covered for. However, you should carefully read your policy in full and ensure that you understand its terms and conditions in full. If you have any queries, you should contact Hiscox or your insurance advisor. Your side of the bargain Remember, your premium and insurance are based on the details you have provided to us. Please make sure this information accurately reflects your business and that you inform us immediately if anything needs to change. Please also tell us of any changes in circumstances that may affect the services provided by us or the cover provided by your policy. This is particularly important before taking out a policy, but it also applies throughout the life of the policy too. You need to consider: ■if you fail to fairly present the risk to us, including by failing to disclose any information material to the insurance, you could invalidate the policy, claims may not be paid or the amount we pay maybe reduced; ■you should read and check all insurance documents to ensure that you are aware of the cover, limits and other terms that apply; ■if you fail to let us know of any changes to your circumstances during the period of insurance or, if when telling us about such changes you fail to present the risk to us fairly, you could invalidate the policy, claims may not be paid or the amount we pay maybe reduced; ■please be aware of all terms and conditions of your policy because failure to comply with them could invalidate it or result in us not paying a claim or reducing the amount we pay; ■in the event ofa claim, you should take note of the required procedures, such as giving Hiscox prompt notice of the claims, as stated in the policy documentation. In particular, if you fail to notify us when you first become aware ofa shortcoming, fact, or problem, admit you are liable for what has happened or appoint solicitors or other legal representation without our prior written approval, claims or defence costs may not be paid or the amount we pay maybe reduced; ■as with any insurance, you have an obligation to take reasonable steps to mitigate any loss or liability; ■if you make a fraudulent claim or try to deceive us, we may terminate the policy. Policy length The period of insurance is shown on your policy schedule. Your policy schedule will also show if the policy is ona continuing cover basis. If itis ona continuing cover basis, we will renew your policy each year for another 12 months and continue to take payment (including any premium adjustment shown in your renewal invitation) using your existing arrangement, unless you tell us otherwise or if your risk changes. If your policy schedule does not show that the policy is ona continuing cover basis, cover will cease at the end of the period of insurance, unless you renew your policy with us. We will provide you witha statement of fact each year and provided that the information contained within the statement of fact is true, complete and accurate, you do not need to provide us with any further information. If any of the information in your statement of fact is not true, complete and accurate, you must let us know. If you do not let us know, it may affect the validity of the policy or our ability to pay a claim. Retroactive dates, geographical and jurisdiction limits Where any section of your policy schedule includes a retroactive date, we will not make any payment for any claim or loss under that section which arises from any activity performed or any act, incident or occurrence taking place, before the retroactive date. Where any section of your policy schedule shows the geographical limits which apply to that section of the policy, we will only pay for claims and losses under that section which arise from activities performed or acts, incidents or occurrences taking place within those geographical limits. Where any section provides cover in respect of your liability to third parties, we will only cover claims first made ina country within the applicable courts stated in that section of your policy schedule. Hiscox Business Insurance Policy summary JAC-PSC-UK-DC556(5.4) 17431b 07/20 Cancellation rights You can cancel this policy by giving us 30 days' notice. You will only be charged for the premiums due up to the date of cancellation. If we need to cancel the policy, we’ll give you 30 days’ notice in writing and refund any surplus premiums you might have paid. Please note – we may deduct an administration fee from any refunded payment.There is an exception to our 30-day notice period, which is triggered when we don’t receive your Direct Debit payments within the agreed 14-day period. At this point, we will contact you as soon as possible and stop the policyPage / 2 immediately. Underwritten by:Hiscox Underwriting Ltd on behalf of the insurers named in the schedule. Page / 1 Certificate of professional indemnity insurance Morley, Bentley and Bennett Hiscox Underwriting 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:qrv-t-t.xxhqdvsxbvxuvw Name of policy holder:Morley, Bentley and Bennett Period of insurance: From Fri 31 July, 2020 to 2024-02-17 both days inclusive. This policy isa Continuing cover policy Insurer: Hiscox Insurance Company Limited Retroactive date: 2023-11-26 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 31 July, 2020 Insurance details Policy number: qrv-t-t.xxhqdvsxbvxuvw Period of insurance: From Fri 31 July, 2020 to 2024-02-17 both days inclusive. This policy isa Continuing cover policy. Insured: Morley, Bentley and Bennett Address: 46 June court West Jacob FARNHAM E9 3FG Additional insureds: None Business: Management Consultants Premium details Charged premium – the total amount you’ll pay for this policy. Charged premium: £4,214.84 Insurance Premium Tax (IPT): £6,094.43 Total charged premium: £6,471.24 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: £4,214.84 Insurance Premium Tax (IPT): £6,094.43 Annual total: £6,471.24 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 £7,561.51 Legal protection £100,000 £0 £5,599.33 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: Fri 31 July, 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 2023-11-26 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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Fri 31 July, 2020
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2024-02-05
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Hiscox Business Insurance - Policy number - E4/A23A97U/D/0IBVC/8FQOW Company name: John PLC It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : E4/A23A97U/D/0IBVC/8FQOW. Company name: John PLC. Your Hiscox Insurance premium. Last year’s annual premium: This year’s annual premium. £ 8,834.18. £ 8,834.18. The premium includes all applicable insurance premium tax (IPT). Dear Miss Zoe Gray. Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 03/04/2024 . 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. £3,288.04. £3,288.04. Legal protection. £5,353.96. £5,353.96. 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 John 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 03/04/2024 . 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 : E4/A23A97U/D/0IBVC/8FQOW Company name: John PLC . It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : E4/A23A97U/D/0IBVC/8FQOW Company name: John PLC . Your Hiscox Insurance premium Last year’s annual premium: This year’s annual premium The premium includes all applicable insurance premium tax (IPT). £ 8,834.18 £ 8,834.18 . Your Hiscox Insurance premium . Last year’s annual premium: This year’s annual premium £ 8,834.18 £ 8,834.18 . The premium includes all applicable insurance premium tax (IPT). Dear Miss Zoe Gray . Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 03/04/2024 . 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 £3,288.04 £3,288.04 Legal protection £5,353.96 £5,353.96 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 John 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 03/04/2024 . 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 03/04/2024 . 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 £3,288.04 £3,288.04 Legal protection £5,353.96 £5,353.96 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 John 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 03/04/2024 . 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) £3,288.04 £5,353.96 £0.00 . This year’s annual Premium (exc IPT) £3,288.04 £5,353.96 . Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) . Professional indemnity £3,288.04 £3,288.04 . Legal protection £5,353.96 £5,353.96 . 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: Zoe Gray 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 November, 2019 £8,834.18 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: E4/A23A97U/D/0IBVC/8FQOW 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 John 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:E4/A23A97U/D/0IBVC/8FQOW Name of policy holder:John PLC Period of insurance: From 03/04/2024 to 2020-09-29 both days inclusive. This policy isa Continuing cover policy Insurer: Hiscox Insurance Company Limited Retroactive date: 16/11/19 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: 03/04/2024 Insurance details Policy number: E4/A23A97U/D/0IBVC/8FQOW Period of insurance: From 03/04/2024 to 2020-09-29 both days inclusive. This policy isa Continuing cover policy. Insured: John PLC Address: 700 O'Connor ferry Christineborough FARNHAM E2 5ZP Additional insureds: None Business: Management Consultants Premium details Charged premium – the total amount you’ll pay for this policy. Charged premium: £1,906.13 Insurance Premium Tax (IPT): £1,579.86 Total charged premium: £8,834.18 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: £1,906.13 Insurance Premium Tax (IPT): £1,579.86 Annual total: £8,834.18 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 £3,288.04 Legal protection £100,000 £0 £5,353.96 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: 03/04/2024 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 16/11/19 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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E4/A23A97U/D/0IBVC/8FQOW
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(?<=Policy number - )[-\w_\/\.]+?(?= Company name)
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03/04/2024
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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 - O72MX/L6 Company name: Allan-Wells It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : O72MX/L6. Company name: Allan-Wells. Your Hiscox Insurance premium. Last year’s annual premium: This year’s annual premium. £ 7,812.69. £ 7,812.69. The premium includes all applicable insurance premium tax (IPT). Dear Miss Glen Bishop-Willis. Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on Saturday 11 June, 2022 . Good news; if you want cover to continue with us and to make sure you stay protected by our award-winning cover, you do not need to do anything. We will update your policy onto our latest wording and continue to collect payment using the payment details we have for you. You must read the important information contained in this email and the attached documents. Your Hiscox Insurance Premium breakdown. The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). The amount shown as last year’s Annual premium will take into account any changes to the cover which may have been made during the last policy period. Cover. Last year’s annual premium (exc IPT). This year’s annual Premium (exc IPT). Professional indemnity. £5,243.07. £5,243.07. Legal protection. £8,727.88. £8,727.88. 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 Allan-Wells , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay. . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover. Policy summary for each cover. ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover . As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before Saturday 11 June, 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 : O72MX/L6 Company name: Allan-Wells . It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : O72MX/L6 Company name: Allan-Wells . Your Hiscox Insurance premium Last year’s annual premium: This year’s annual premium The premium includes all applicable insurance premium tax (IPT). £ 7,812.69 £ 7,812.69 . Your Hiscox Insurance premium . Last year’s annual premium: This year’s annual premium £ 7,812.69 £ 7,812.69 . The premium includes all applicable insurance premium tax (IPT). Dear Miss Glen Bishop-Willis . Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on Saturday 11 June, 2022 . Good news; if you want cover to continue with us and to make sure you stay protected by our award-winning cover, you do not need to do anything. We will update your policy onto our latest wording and continue to collect payment using the payment details we have for you. You must read the important information contained in this email and the attached documents Your Hiscox Insurance Premium breakdown The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). The amount shown as last year’s Annual premium will take into account any changes to the cover which may have been made during the last policy period. Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) Professional indemnity £5,243.07 £5,243.07 Legal protection £8,727.88 £8,727.88 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 Allan-Wells , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover Policy summary for each cover ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before Saturday 11 June, 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 11 June, 2022 . Good news; if you want cover to continue with us and to make sure you stay protected by our award-winning cover, you do not need to do anything. We will update your policy onto our latest wording and continue to collect payment using the payment details we have for you. You must read the important information contained in this email and the attached documents Your Hiscox Insurance Premium breakdown The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). The amount shown as last year’s Annual premium will take into account any changes to the cover which may have been made during the last policy period. Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) Professional indemnity £5,243.07 £5,243.07 Legal protection £8,727.88 £8,727.88 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 Allan-Wells , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover Policy summary for each cover ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before Saturday 11 June, 2022 . We’re here between 8:30am - 5:30pm Monday to Friday . Please note that we can only discuss policy changes with people named on the policy. Why renew with Hiscox - Reassuring: we offer a range of cover options that can be tailored to your needs - Flexible: we offer full flexibility to change your policy, with no administration fees - Award-winning cover : we’ve been named Best Small Business Insurer 7 years running by Start Your Business Magazine Please click this link for the Hiscox Referral Portal: https://refer.aklamio.com/hiscox/uk?source=postpurchase Thank you again for choosing Hiscox to insure your business. We hope you and your business have a very successful year. Kind regards Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Your Hiscox Insurance Premium breakdown The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). Cover Professional indemnity Legal protection Crisis containment . Last year’s annual premium (exc IPT) £5,243.07 £8,727.88 £0.00 . This year’s annual Premium (exc IPT) £5,243.07 £8,727.88 . Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) . Professional indemnity £5,243.07 £5,243.07 . Legal protection £8,727.88 £8,727.88 . 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: Glen Bishop-Willis 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 2019-08-02 £7,812.69 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: O72MX/L6 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-Wells Hiscox Underwriting Ltd of 1 Great St. Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Certificate of professional indemnity Insurance Policy number:O72MX/L6 Name of policy holder:Allan-Wells Period of insurance: From Saturday 11 June, 2022 to Mon 06 November, 2023 both days inclusive. This policy isa Continuing cover policy Insurer: Hiscox Insurance Company Limited Retroactive date: 28 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: Saturday 11 June, 2022 Insurance details Policy number: O72MX/L6 Period of insurance: From Saturday 11 June, 2022 to Mon 06 November, 2023 both days inclusive. This policy isa Continuing cover policy. Insured: Allan-Wells Address: Flat 68 Kimberley neck Richardsville FARNHAM SA5 3PG Additional insureds: None Business: Management Consultants Premium details Charged premium – the total amount you’ll pay for this policy. Charged premium: £1,480.01 Insurance Premium Tax (IPT): £1,196.92 Total charged premium: £7,812.69 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: £1,480.01 Insurance Premium Tax (IPT): £1,196.92 Annual total: £7,812.69 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 £5,243.07 Legal protection £100,000 £0 £8,727.88 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: Saturday 11 June, 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 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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O72MX/L6
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(?<=Policy number - )[-\w_\/\.]+?(?= Company name)
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Saturday 11 June, 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 - DDVXSMCZC.A Company name: Dobson Inc It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : DDVXSMCZC.A. Company name: Dobson Inc. Your Hiscox Insurance premium. Last year’s annual premium: This year’s annual premium. £ 4,838.81. £ 4,838.81. The premium includes all applicable insurance premium tax (IPT). Dear Ms Miss Jodie Williams. Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on Fri 26 March, 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. £4,168.11. £4,168.11. Legal protection. £8,737.20. £8,737.20. Crisis containment. £0.00. Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy . Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government increase in Insurance Premium Tax as shown. Is our information correct? Your premium and cover are based on what you’ve told us about Dobson 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 Fri 26 March, 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 : DDVXSMCZC.A Company name: Dobson Inc . It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : DDVXSMCZC.A Company name: Dobson Inc . Your Hiscox Insurance premium Last year’s annual premium: This year’s annual premium The premium includes all applicable insurance premium tax (IPT). £ 4,838.81 £ 4,838.81 . Your Hiscox Insurance premium . Last year’s annual premium: This year’s annual premium £ 4,838.81 £ 4,838.81 . The premium includes all applicable insurance premium tax (IPT). Dear Ms Miss Jodie Williams . Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on Fri 26 March, 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 £4,168.11 £4,168.11 Legal protection £8,737.20 £8,737.20 Crisis containment £0.00 Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government increase in Insurance Premium Tax as shown. Is our information correct? Your premium and cover are based on what you’ve told us about Dobson 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 Fri 26 March, 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 Fri 26 March, 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 £4,168.11 £4,168.11 Legal protection £8,737.20 £8,737.20 Crisis containment £0.00 Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government increase in Insurance Premium Tax as shown. Is our information correct? Your premium and cover are based on what you’ve told us about Dobson 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 Fri 26 March, 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) £4,168.11 £8,737.20 £0.00 . This year’s annual Premium (exc IPT) £4,168.11 £8,737.20 . Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) . Professional indemnity £4,168.11 £4,168.11 . Legal protection £8,737.20 £8,737.20 . Crisis containment £0.00 . Kind regards Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre . Kind regards . Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave . To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre . Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Page / 1 Hiscox Business Insurance Policy wording 17431a - DC565 WORDING 04/17Guide to sectionsIntroduction Policy wordings General terms and conditions Professional indemnity for business management consultants Legal protection Crisis containment Hiscox Business Insurance Policy wording 17431a - DC565 WORDING 04/17IntroductionThank you for choosing Hiscox to protect your business. We hope that the language and layout of this policy wording are clear because we want you to understand the insurance we provide as well as the responsibilities we have to each other. Please read this document, including the policy schedule, policy summary and statement of fact, and let us know as soon as possible if any of the details are shown incorrectly. We always try to deliver to the highest standards of service. Your views are important to us, so if you feel that our service is below the standard you would expect from Hiscox, please contact us on the phone number shown in your policy schedule. Please note that some of the words we use in this insurance are shown in bold type. These words are defined in each section of the wording. Page / 1 Hiscox Insurance Payment schedule Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Thank you for continuing to pay for your policy by Direct Debit. Please check these details and let us know if anything is incorrect or if the schedule is not suitable. Your reference details Account holder name: Miss Jodie 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 2023-06-28 £4,838.81 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: DDVXSMCZC.A 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 Dobson 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:DDVXSMCZC.A Name of policy holder:Dobson Inc Period of insurance: From Fri 26 March, 2021 to 2020-04-11 both days inclusive. This policy isa Continuing cover policy Insurer: Hiscox Insurance Company Limited Retroactive date: 2023-09-08 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 26 March, 2021 Insurance details Policy number: DDVXSMCZC.A Period of insurance: From Fri 26 March, 2021 to 2020-04-11 both days inclusive. This policy isa Continuing cover policy. Insured: Dobson Inc Address: 77 Sandra throughway New Samantha FARNHAM M68 3DP Additional insureds: None Business: Management Consultants Premium details Charged premium – the total amount you’ll pay for this policy. Charged premium: £5,507.31 Insurance Premium Tax (IPT): £806.48 Total charged premium: £4,838.81 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: £5,507.31 Insurance Premium Tax (IPT): £806.48 Annual total: £4,838.81 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 £4,168.11 Legal protection £100,000 £0 £8,737.20 Crisis containment £25,000 - £0.00 The figures above are in summary only and are not in addition to the amount insured specified against each cover section below. Hiscox Business Insurance Policy Schedule 14502 10/18 SECTION: PROFESSIONAL INDEMNITY – MANAGEMENT CONSULTANTS Cover start date: Fri 26 March, 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 2023-09-08 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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DDVXSMCZC.A
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(?<=Policy number - )[-\w_\/\.]+?(?= Company name)
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Fri 26 March, 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 - 6U05EY1G//P0T3N.SJI9SZ Company name: Williams, Simpson and Marsh It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : 6U05EY1G//P0T3N.SJI9SZ. Company name: Williams, Simpson and Marsh. Your Hiscox Insurance premium. Last year’s annual premium: This year’s annual premium. £ 7,132.27. £ 7,132.27. The premium includes all applicable insurance premium tax (IPT). Dear Mr Alice Long. Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 28 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. £5,948.10. £5,948.10. Legal protection. £8,297.59. £8,297.59. 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 Williams, Simpson and Marsh , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay. . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover. Policy summary for each cover. ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover . As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, 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 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 : 6U05EY1G//P0T3N.SJI9SZ Company name: Williams, Simpson and Marsh . It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : 6U05EY1G//P0T3N.SJI9SZ Company name: Williams, Simpson and Marsh . Your Hiscox Insurance premium Last year’s annual premium: This year’s annual premium The premium includes all applicable insurance premium tax (IPT). £ 7,132.27 £ 7,132.27 . Your Hiscox Insurance premium . Last year’s annual premium: This year’s annual premium £ 7,132.27 £ 7,132.27 . The premium includes all applicable insurance premium tax (IPT). Dear Mr Alice Long . Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 28 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 £5,948.10 £5,948.10 Legal protection £8,297.59 £8,297.59 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 Williams, Simpson and Marsh , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover Policy summary for each cover ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, 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 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 28 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 £5,948.10 £5,948.10 Legal protection £8,297.59 £8,297.59 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 Williams, Simpson and Marsh , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover Policy summary for each cover ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, 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 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) £5,948.10 £8,297.59 £0.00 . This year’s annual Premium (exc IPT) £5,948.10 £8,297.59 . Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) . Professional indemnity £5,948.10 £5,948.10 . Legal protection £8,297.59 £8,297.59 . 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: Alice 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 2019-02-08 £7,132.27 Where your chosen collection date falls ona non-working day then we will endeavour to collect the next working day. For your information, the collections will be made using the following reference number: Originator Identification Number: 293461 Reference Number: 6U05EY1G//P0T3N.SJI9SZ 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, Simpson and Marsh Hiscox Underwriting 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:6U05EY1G//P0T3N.SJI9SZ Name of policy holder:Williams, Simpson and Marsh Period of insurance: From 28 December, 2025 to 06/10/25 both days inclusive. This policy isa Continuing cover policy Insurer: Hiscox Insurance Company Limited Retroactive date: 2021-03-15 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: 28 December, 2025 Insurance details Policy number: 6U05EY1G//P0T3N.SJI9SZ Period of insurance: From 28 December, 2025 to 06/10/25 both days inclusive. This policy isa Continuing cover policy. Insured: Williams, Simpson and Marsh Address: 618 Howard lakes Port Sally FARNHAM B3 5PQ Additional insureds: None Business: Management Consultants Premium details Charged premium – the total amount you’ll pay for this policy. Charged premium: £1,936.73 Insurance Premium Tax (IPT): £4,837.74 Total charged premium: £7,132.27 Annualised premium – the annual premium for this policy. This is given for comparison purposes. Please refer to the charged premium section for the amount you’ll pay for the policy. Annual premium: £1,936.73 Insurance Premium Tax (IPT): £4,837.74 Annual total: £7,132.27 Please note that there will be no refund or additional premium for any transaction which is less than £20 (excluding IPT). Hiscox Business Insurance Policy Schedule 14502 10/18 Summary Claims information If you need to make a claim: - For claims relating to your building or contents please contact our claims team on 0800 247 1902, 9.00am – 5:30pm Monday to Friday. If you wish to make a claim online, you can log most claims quickly and easily through our claims notification portal at https://claims.hiscox.co.uk/. Outside of normal business hours, if you require emergency assistance in relation to substantial damage to your property, you can speak to our 24-hour emergency assistance team using the telephone number above. Your policy schedule will state if property cover is included in your policy. Our out-of-hours emergency assistance team operate ona pay-and-claim basis and you will need to have credit card details available as appropriate. The team will then be able to direct you to essential tradesmen, emergency loss adjusters or disaster management companies in the event of substantial damage. - If there isa claim (or potential claim) against you bya third party, please email us at liability.claims@hiscox.com. If you need to speak to a member of the claims team urgently, please call our team on 0800 711 7156, 9.00am – 5:30pm Monday to Friday. If you wish to make a claim online, you can log most claims quickly and easily through our claims notification portal at https://claims.hiscox.co.uk/. You will need to provide your full name and contact details, the name of your business or organisation, your address and postcode, the policy reference and circumstances of the claim. The Important information and contact details section below contains additional information specific to the covers applicable to your policy. If you are unsure of who to contact please call our team on 0800 711 7156, 9.00am – 5:30pm Monday to Friday. They will ensure you get through to the correct claims team and let you know what actions you need to take. If anything happens that might be covered under the policy, you must comply with the obligations set out in General claims conditions, together with the obligations set out under Your obligations in the section or sections under which you are making the claim. Itis important that you read the policy for details of its terms in full. Your covers This isa summary of each section of your policy. See each section for cover details. Cover Insurance amount Excess Annual Premium (exc IPT) Professional indemnity £1,000,000 £1,000 £5,948.10 Legal protection £100,000 £0 £8,297.59 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: 28 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 2021-03-15 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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6U05EY1G//P0T3N.SJI9SZ
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(?<=Policy number - )[-\w_\/\.]+?(?= Company name)
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28 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 - BQL/CSSI/IHA Company name: Stewart LLC It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : BQL/CSSI/IHA. Company name: Stewart LLC. Your Hiscox Insurance premium. Last year’s annual premium: This year’s annual premium. £ 5,402.48. £ 5,402.48. The premium includes all applicable insurance premium tax (IPT). Dear Mrs Gillian Williams. Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 15/04/2023 . 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. £5,307.76. £5,307.76. Legal protection. £4,281.96. £4,281.96. 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 Stewart 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 15/04/2023 . 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 : BQL/CSSI/IHA Company name: Stewart LLC . It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : BQL/CSSI/IHA Company name: Stewart LLC . Your Hiscox Insurance premium Last year’s annual premium: This year’s annual premium The premium includes all applicable insurance premium tax (IPT). £ 5,402.48 £ 5,402.48 . Your Hiscox Insurance premium . Last year’s annual premium: This year’s annual premium £ 5,402.48 £ 5,402.48 . The premium includes all applicable insurance premium tax (IPT). Dear Mrs Gillian Williams . Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 15/04/2023 . 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 £5,307.76 £5,307.76 Legal protection £4,281.96 £4,281.96 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 Stewart 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 15/04/2023 . 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 15/04/2023 . 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 £5,307.76 £5,307.76 Legal protection £4,281.96 £4,281.96 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 Stewart 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 15/04/2023 . 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) £5,307.76 £4,281.96 £0.00 . This year’s annual Premium (exc IPT) £5,307.76 £4,281.96 . Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) . Professional indemnity £5,307.76 £5,307.76 . Legal protection £4,281.96 £4,281.96 . 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: Gillian 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 Tuesday 13 January, 2026 £5,402.48 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: BQL/CSSI/IHA 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 Stewart 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:BQL/CSSI/IHA Name of policy holder:Stewart LLC Period of insurance: From 15/04/2023 to 2023-05-16 both days inclusive. This policy isa Continuing cover policy Insurer: Hiscox Insurance Company Limited Retroactive date: Wednesday 05 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: 15/04/2023 Insurance details Policy number: BQL/CSSI/IHA Period of insurance: From 15/04/2023 to 2023-05-16 both days inclusive. This policy isa Continuing cover policy. Insured: Stewart LLC Address: Flat 76B Kerry prairie Lesleyborough FARNHAM RH32 4FT Additional insureds: None Business: Management Consultants Premium details Charged premium – the total amount you’ll pay for this policy. Charged premium: £1,044.39 Insurance Premium Tax (IPT): £3,723.05 Total charged premium: £5,402.48 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: £1,044.39 Insurance Premium Tax (IPT): £3,723.05 Annual total: £5,402.48 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 £5,307.76 Legal protection £100,000 £0 £4,281.96 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: 15/04/2023 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 Wednesday 05 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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BQL/CSSI/IHA
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(?<=Policy number - )[-\w_\/\.]+?(?= Company name)
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15/04/2023
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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 - EOJRX_BGXMNEUSZ Company name: Wilkinson-Harding It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : EOJRX_BGXMNEUSZ. Company name: Wilkinson-Harding. Your Hiscox Insurance premium. Last year’s annual premium: This year’s annual premium. £ 9,427.64. £ 9,427.64. The premium includes all applicable insurance premium tax (IPT). Dear Miss Wendy Baxter. Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on Tuesday 28 February, 2023 . Good news; if you want cover to continue with us and to make sure you stay protected by our award-winning cover, you do not need to do anything. We will update your policy onto our latest wording and continue to collect payment using the payment details we have for you. You must read the important information contained in this email and the attached documents. Your Hiscox Insurance Premium breakdown. The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). The amount shown as last year’s Annual premium will take into account any changes to the cover which may have been made during the last policy period. Cover. Last year’s annual premium (exc IPT). This year’s annual Premium (exc IPT). Professional indemnity. £3,496.32. £3,496.32. Legal protection. £3,453.11. £3,453.11. Crisis containment. £0.00. Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy . Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government increase in Insurance Premium Tax as shown. Is our information correct? Your premium and cover are based on what you’ve told us about Wilkinson-Harding , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay. . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover. Policy summary for each cover. ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover . As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, 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 28 February, 2023 . We’re here between 8:30am - 5:30pm Monday to Friday . Please note that we can only discuss policy changes with people named on the policy. Why renew with Hiscox. - Reassuring: we offer a range of cover options that can be tailored to your needs. - Flexible: we offer full flexibility to change your policy, with no administration fees . - Award-winning cover : we’ve been named Best Small Business Insurer 7 years running by Start Your Business Magazine . Please click this link for the Hiscox Referral Portal: https://refer.aklamio.com/hiscox/uk?source=postpurchase. Thank you again for choosing Hiscox to insure your business. We hope you and your business have a very successful year. Kind regards. Jon Dye. CEO, Hiscox UK. Business Insurance for the small and the brave. To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre. Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. This email and any files transmitted with it are confidential and intended solely for the use of the individual or entity to whom they are addressed. No one else is authorised to distribute, forward, print, copy or act upon any information contained in this email. If you have received this email in error, please notify the sender. Hiscox Syndicates Limited and Hiscox Insurance Company Limited are authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Hiscox Underwriting Limited, Hiscox Underwriting Services Ltd, Hiscox MGA Ltd and Hiscox ASM Ltd are authorised and regulated by the Financial Conduct Authority. Hiscox Assure SAS is duly registered as an insurance broker with the ORIAS, which is the French Official Registry of Insurance Intermediaries. Hiscox plc is a company registered in England and Wales under company registration number 2837811 and registered office at 1 Great St Helen's, London EC3A 6HX. Hiscox SA is a company registered in Luxembourg at 35 Avenue John F. Kennedy 35F, Luxembourg L-1855, and is authorised by the Commissariat aux Assurances de Luxembourg. It’s time to renew your Hiscox Business Insurance Hiscox Insurance policy number : EOJRX_BGXMNEUSZ Company name: Wilkinson-Harding . It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : EOJRX_BGXMNEUSZ Company name: Wilkinson-Harding . Your Hiscox Insurance premium Last year’s annual premium: This year’s annual premium The premium includes all applicable insurance premium tax (IPT). £ 9,427.64 £ 9,427.64 . Your Hiscox Insurance premium . Last year’s annual premium: This year’s annual premium £ 9,427.64 £ 9,427.64 . The premium includes all applicable insurance premium tax (IPT). Dear Miss Wendy Baxter . Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on Tuesday 28 February, 2023 . Good news; if you want cover to continue with us and to make sure you stay protected by our award-winning cover, you do not need to do anything. We will update your policy onto our latest wording and continue to collect payment using the payment details we have for you. You must read the important information contained in this email and the attached documents Your Hiscox Insurance Premium breakdown The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). The amount shown as last year’s Annual premium will take into account any changes to the cover which may have been made during the last policy period. Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) Professional indemnity £3,496.32 £3,496.32 Legal protection £3,453.11 £3,453.11 Crisis containment £0.00 Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government increase in Insurance Premium Tax as shown. Is our information correct? Your premium and cover are based on what you’ve told us about Wilkinson-Harding , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover Policy summary for each cover ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, 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 28 February, 2023 . We’re here between 8:30am - 5:30pm Monday to Friday . Please note that we can only discuss policy changes with people named on the policy. Why renew with Hiscox - Reassuring: we offer a range of cover options that can be tailored to your needs - Flexible: we offer full flexibility to change your policy, with no administration fees - Award-winning cover : we’ve been named Best Small Business Insurer 7 years running by Start Your Business Magazine Please click this link for the Hiscox Referral Portal: https://refer.aklamio.com/hiscox/uk?source=postpurchase Thank you again for choosing Hiscox to insure your business. We hope you and your business have a very successful year. Kind regards Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on Tuesday 28 February, 2023 . Good news; if you want cover to continue with us and to make sure you stay protected by our award-winning cover, you do not need to do anything. We will update your policy onto our latest wording and continue to collect payment using the payment details we have for you. You must read the important information contained in this email and the attached documents Your Hiscox Insurance Premium breakdown The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). The amount shown as last year’s Annual premium will take into account any changes to the cover which may have been made during the last policy period. Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) Professional indemnity £3,496.32 £3,496.32 Legal protection £3,453.11 £3,453.11 Crisis containment £0.00 Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government increase in Insurance Premium Tax as shown. Is our information correct? Your premium and cover are based on what you’ve told us about Wilkinson-Harding , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover Policy summary for each cover ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, 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 28 February, 2023 . We’re here between 8:30am - 5:30pm Monday to Friday . Please note that we can only discuss policy changes with people named on the policy. Why renew with Hiscox - Reassuring: we offer a range of cover options that can be tailored to your needs - Flexible: we offer full flexibility to change your policy, with no administration fees - Award-winning cover : we’ve been named Best Small Business Insurer 7 years running by Start Your Business Magazine Please click this link for the Hiscox Referral Portal: https://refer.aklamio.com/hiscox/uk?source=postpurchase Thank you again for choosing Hiscox to insure your business. We hope you and your business have a very successful year. Kind regards Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Your Hiscox Insurance Premium breakdown The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). Cover Professional indemnity Legal protection Crisis containment . Last year’s annual premium (exc IPT) £3,496.32 £3,453.11 £0.00 . This year’s annual Premium (exc IPT) £3,496.32 £3,453.11 . Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) . Professional indemnity £3,496.32 £3,496.32 . Legal protection £3,453.11 £3,453.11 . 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: Wendy Baxter 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 23/12/25 £9,427.64 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: EOJRX_BGXMNEUSZ If you have any questions about your policy or payments, please call us on 0800 280 0351. We’re here between 8:30am - 5:30pm Monday to Friday or you can email us at service@hiscox.co.uk. Using your personal information Hiscox isa trading name ofa number of Hiscox companies. The specific company acting asa data controller of your personal information will be listed in the documentation we provide to you. If you are unsure you can also contact us at anytime by telephoning 01904 681198 or by emailing us at dataprotectionofficer@hiscox.com. We collect and process information about you in order to provide insurance policies and to process claims. Your information is also used for business purposes such as fraud prevention and detection and financial management. This may involve sharing your information with, and obtaining information about you from, our group companies and third parties such as brokers, loss adjusters, credit reference agencies, service providers, professional advisors, our regulators or fraud prevention agencies. We may record telephone calls to help us monitor and improve the service we provide. For further information on how your information is used and your rights in relation to your information please see our privacy policy at www.hiscox.co.uk/cookies-privacy. The Direct Debit Guarantee This Guarantee is offered by all banks and building societies that accept instructions to pay Direct Debits. If there are any changes to the amount, date or frequency of your Direct Debit Hiscox Underwriting Ltd will notify you ten working days in advance of your account being debited or as otherwise agreed. If you request Hiscox Underwriting Ltd to collect a payment, confirmation of the amount and date will be given to you at the time of the request. If an error is made in the payment of your Direct Debit by Hiscox Underwriting Ltd or your bank or building society you are entitled to a full and immediate refund of the amount paid from your bank or building society. – If you receive a refund you are not entitled to, you must pay it back when Hiscox Underwriting Ltd asks you to. You can cancel a Direct Debit at anytime by simply contacting your bank or building society. Written confirmation maybe required. Please also notify us. Page / 1 Hiscox Business Insurance Policy summary JAC-PSC-UK-DC556(5.4) 17431b 07/20 Your Hiscox Business Insurance policy summaries This document contains the summaries for any policy covers you have selected to protect your business. These summaries outline the key information about your policies so you can be confident that you have understood what you have bought and what you are covered for. However, you should carefully read your policy in full and ensure that you understand its terms and conditions in full. If you have any queries, you should contact Hiscox or your insurance advisor. Your side of the bargain Remember, your premium and insurance are based on the details you have provided to us. Please make sure this information accurately reflects your business and that you inform us immediately if anything needs to change. Please also tell us of any changes in circumstances that may affect the services provided by us or the cover provided by your policy. This is particularly important before taking out a policy, but it also applies throughout the life of the policy too. You need to consider: ■if you fail to fairly present the risk to us, including by failing to disclose any information material to the insurance, you could invalidate the policy, claims may not be paid or the amount we pay maybe reduced; ■you should read and check all insurance documents to ensure that you are aware of the cover, limits and other terms that apply; ■if you fail to let us know of any changes to your circumstances during the period of insurance or, if when telling us about such changes you fail to present the risk to us fairly, you could invalidate the policy, claims may not be paid or the amount we pay maybe reduced; ■please be aware of all terms and conditions of your policy because failure to comply with them could invalidate it or result in us not paying a claim or reducing the amount we pay; ■in the event ofa claim, you should take note of the required procedures, such as giving Hiscox prompt notice of the claims, as stated in the policy documentation. In particular, if you fail to notify us when you first become aware ofa shortcoming, fact, or problem, admit you are liable for what has happened or appoint solicitors or other legal representation without our prior written approval, claims or defence costs may not be paid or the amount we pay maybe reduced; ■as with any insurance, you have an obligation to take reasonable steps to mitigate any loss or liability; ■if you make a fraudulent claim or try to deceive us, we may terminate the policy. Policy length The period of insurance is shown on your policy schedule. Your policy schedule will also show if the policy is ona continuing cover basis. If itis ona continuing cover basis, we will renew your policy each year for another 12 months and continue to take payment (including any premium adjustment shown in your renewal invitation) using your existing arrangement, unless you tell us otherwise or if your risk changes. If your policy schedule does not show that the policy is ona continuing cover basis, cover will cease at the end of the period of insurance, unless you renew your policy with us. We will provide you witha statement of fact each year and provided that the information contained within the statement of fact is true, complete and accurate, you do not need to provide us with any further information. If any of the information in your statement of fact is not true, complete and accurate, you must let us know. If you do not let us know, it may affect the validity of the policy or our ability to pay a claim. Retroactive dates, geographical and jurisdiction limits Where any section of your policy schedule includes a retroactive date, we will not make any payment for any claim or loss under that section which arises from any activity performed or any act, incident or occurrence taking place, before the retroactive date. Where any section of your policy schedule shows the geographical limits which apply to that section of the policy, we will only pay for claims and losses under that section which arise from activities performed or acts, incidents or occurrences taking place within those geographical limits. Where any section provides cover in respect of your liability to third parties, we will only cover claims first made ina country within the applicable courts stated in that section of your policy schedule. Hiscox Business Insurance Policy summary JAC-PSC-UK-DC556(5.4) 17431b 07/20 Cancellation rights You can cancel this policy by giving us 30 days' notice. You will only be charged for the premiums due up to the date of cancellation. If we need to cancel the policy, we’ll give you 30 days’ notice in writing and refund any surplus premiums you might have paid. Please note – we may deduct an administration fee from any refunded payment.There is an exception to our 30-day notice period, which is triggered when we don’t receive your Direct Debit payments within the agreed 14-day period. At this point, we will contact you as soon as possible and stop the policyPage / 2 immediately. Underwritten by:Hiscox Underwriting Ltd on behalf of the insurers named in the schedule. Page / 1 Certificate of professional indemnity insurance Wilkinson-Harding Hiscox Underwriting 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:EOJRX_BGXMNEUSZ Name of policy holder:Wilkinson-Harding Period of insurance: From Tuesday 28 February, 2023 to Tuesday 19 October, 2021 both days inclusive. This policy isa Continuing cover policy Insurer: Hiscox Insurance Company Limited Retroactive date: 11 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: Tuesday 28 February, 2023 Insurance details Policy number: EOJRX_BGXMNEUSZ Period of insurance: From Tuesday 28 February, 2023 to Tuesday 19 October, 2021 both days inclusive. This policy isa Continuing cover policy. Insured: Wilkinson-Harding Address: Flat 5 Tom via North Iaintown FARNHAM L79 6WN Additional insureds: None Business: Management Consultants Premium details Charged premium – the total amount you’ll pay for this policy. Charged premium: £1,554.98 Insurance Premium Tax (IPT): £8,818.82 Total charged premium: £9,427.64 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: £1,554.98 Insurance Premium Tax (IPT): £8,818.82 Annual total: £9,427.64 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 £3,496.32 Legal protection £100,000 £0 £3,453.11 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 28 February, 2023 Limit of indemnity £1,000,000 Limit applies to in the aggregate, including all costs Excess £1,000 Excess applies to each and every claim or loss, including all costs Geographical limits Worldwide Applicable courts Worldwide (excluding United States of America and Canada) Claims brought in USA or Canada Not covered Additional covers (in addition to overall limit of indemnity stated above) Cover Limit of indemnity Limit applies to Court attendance compensation - employees £250 per person, per day Court attendance compensation - directors and partners£500 per person, per day Court attendance compensation: in total £100,000 in the aggregate Special limits (included within not in addition to the overall limit of indemnity stated above) Cover Limit of indemnity Limit applies to Personal data claims £250,000 in the aggregate, including all costs Business activities Business managementPage / 2 consultant Retroactive date 11 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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EOJRX_BGXMNEUSZ
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Tuesday 28 February, 2023
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2024-02-05
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hiscox-business-2
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Hiscox Business Insurance - Policy number - UZWJYB_SNIJSXDNLZTE Company name: Roberts, Taylor and Simpson It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : UZWJYB_SNIJSXDNLZTE. Company name: Roberts, Taylor and Simpson. Your Hiscox Insurance premium. Last year’s annual premium: This year’s annual premium. £ 8,205.70. £ 8,205.70. The premium includes all applicable insurance premium tax (IPT). Dear Mr Miss Lorraine Brown. Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 25/01/24 . 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. £5,534.97. £5,534.97. Legal protection. £9,989.12. £9,989.12. 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 Roberts, Taylor and Simpson , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay. . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover. Policy summary for each cover. ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover . As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before 25/01/24 . 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 : UZWJYB_SNIJSXDNLZTE Company name: Roberts, Taylor and Simpson . It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : UZWJYB_SNIJSXDNLZTE Company name: Roberts, Taylor and Simpson . Your Hiscox Insurance premium Last year’s annual premium: This year’s annual premium The premium includes all applicable insurance premium tax (IPT). £ 8,205.70 £ 8,205.70 . Your Hiscox Insurance premium . Last year’s annual premium: This year’s annual premium £ 8,205.70 £ 8,205.70 . The premium includes all applicable insurance premium tax (IPT). Dear Mr Miss Lorraine Brown . Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 25/01/24 . 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 £5,534.97 £5,534.97 Legal protection £9,989.12 £9,989.12 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 Roberts, Taylor and Simpson , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover Policy summary for each cover ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before 25/01/24 . 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 25/01/24 . 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 £5,534.97 £5,534.97 Legal protection £9,989.12 £9,989.12 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 Roberts, Taylor and Simpson , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover Policy summary for each cover ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before 25/01/24 . 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) £5,534.97 £9,989.12 £0.00 . This year’s annual Premium (exc IPT) £5,534.97 £9,989.12 . Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) . Professional indemnity £5,534.97 £5,534.97 . Legal protection £9,989.12 £9,989.12 . 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: Miss Lorraine Brown Frequency of collection: Annual Sort code: %BANK_SORT_CODE_1% Account number: %BANK_ACCOUNT_NUMBER_1% Your Direct Debit schedule We will take payments on the dates outlined below: Date Amount 18 April, 2021 £8,205.70 Where your chosen collection date falls ona non-working day then we will endeavour to collect the next working day. For your information, the collections will be made using the following reference number: Originator Identification Number: 293461 Reference Number: UZWJYB_SNIJSXDNLZTE 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, Taylor and Simpson Hiscox Underwriting 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:UZWJYB_SNIJSXDNLZTE Name of policy holder:Roberts, Taylor and Simpson Period of insurance: From 25/01/24 to Tue 26 March, 2019 both days inclusive. This policy isa Continuing cover policy Insurer: Hiscox Insurance Company Limited Retroactive date: 05 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: 25/01/24 Insurance details Policy number: UZWJYB_SNIJSXDNLZTE Period of insurance: From 25/01/24 to Tue 26 March, 2019 both days inclusive. This policy isa Continuing cover policy. Insured: Roberts, Taylor and Simpson Address: Flat 72I Singh drive New Juneburgh FARNHAM E49 0NH Additional insureds: None Business: Management Consultants Premium details Charged premium – the total amount you’ll pay for this policy. Charged premium: £6,451.66 Insurance Premium Tax (IPT): £3,764.80 Total charged premium: £8,205.70 Annualised premium – the annual premium for this policy. This is given for comparison purposes. Please refer to the charged premium section for the amount you’ll pay for the policy. Annual premium: £6,451.66 Insurance Premium Tax (IPT): £3,764.80 Annual total: £8,205.70 Please note that there will be no refund or additional premium for any transaction which is less than £20 (excluding IPT). Hiscox Business Insurance Policy Schedule 14502 10/18 Summary Claims information If you need to make a claim: - For claims relating to your building or contents please contact our claims team on 0800 247 1902, 9.00am – 5:30pm Monday to Friday. If you wish to make a claim online, you can log most claims quickly and easily through our claims notification portal at https://claims.hiscox.co.uk/. Outside of normal business hours, if you require emergency assistance in relation to substantial damage to your property, you can speak to our 24-hour emergency assistance team using the telephone number above. Your policy schedule will state if property cover is included in your policy. Our out-of-hours emergency assistance team operate ona pay-and-claim basis and you will need to have credit card details available as appropriate. The team will then be able to direct you to essential tradesmen, emergency loss adjusters or disaster management companies in the event of substantial damage. - If there isa claim (or potential claim) against you bya third party, please email us at liability.claims@hiscox.com. If you need to speak to a member of the claims team urgently, please call our team on 0800 711 7156, 9.00am – 5:30pm Monday to Friday. If you wish to make a claim online, you can log most claims quickly and easily through our claims notification portal at https://claims.hiscox.co.uk/. You will need to provide your full name and contact details, the name of your business or organisation, your address and postcode, the policy reference and circumstances of the claim. The Important information and contact details section below contains additional information specific to the covers applicable to your policy. If you are unsure of who to contact please call our team on 0800 711 7156, 9.00am – 5:30pm Monday to Friday. They will ensure you get through to the correct claims team and let you know what actions you need to take. If anything happens that might be covered under the policy, you must comply with the obligations set out in General claims conditions, together with the obligations set out under Your obligations in the section or sections under which you are making the claim. Itis important that you read the policy for details of its terms in full. Your covers This isa summary of each section of your policy. See each section for cover details. Cover Insurance amount Excess Annual Premium (exc IPT) Professional indemnity £1,000,000 £1,000 £5,534.97 Legal protection £100,000 £0 £9,989.12 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: 25/01/24 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 05 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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UZWJYB_SNIJSXDNLZTE
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(?<=Policy number - )[-\w_\/\.]+?(?= Company name)
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25/01/24
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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 - JSKB3MK1BJAS30MJ39ZT3-IYU Company name: Shepherd-Hill It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : JSKB3MK1BJAS30MJ39ZT3-IYU. Company name: Shepherd-Hill. Your Hiscox Insurance premium. Last year’s annual premium: This year’s annual premium. £ 3,213.27. £ 3,213.27. The premium includes all applicable insurance premium tax (IPT). Dear Mr Mrs Cheryl Morley. Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 24/11/2020 . 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. £3,545.35. £3,545.35. Legal protection. £3,037.29. £3,037.29. Crisis containment. £0.00. Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy . Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government increase in Insurance Premium Tax as shown. Is our information correct? Your premium and cover are based on what you’ve told us about Shepherd-Hill , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay. . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover. Policy summary for each cover. ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover . As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before 24/11/2020 . 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 : JSKB3MK1BJAS30MJ39ZT3-IYU Company name: Shepherd-Hill . It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : JSKB3MK1BJAS30MJ39ZT3-IYU Company name: Shepherd-Hill . Your Hiscox Insurance premium Last year’s annual premium: This year’s annual premium The premium includes all applicable insurance premium tax (IPT). £ 3,213.27 £ 3,213.27 . Your Hiscox Insurance premium . Last year’s annual premium: This year’s annual premium £ 3,213.27 £ 3,213.27 . The premium includes all applicable insurance premium tax (IPT). Dear Mr Mrs Cheryl Morley . Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 24/11/2020 . 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 £3,545.35 £3,545.35 Legal protection £3,037.29 £3,037.29 Crisis containment £0.00 Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government increase in Insurance Premium Tax as shown. Is our information correct? Your premium and cover are based on what you’ve told us about Shepherd-Hill , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover Policy summary for each cover ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before 24/11/2020 . 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 24/11/2020 . 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 £3,545.35 £3,545.35 Legal protection £3,037.29 £3,037.29 Crisis containment £0.00 Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government increase in Insurance Premium Tax as shown. Is our information correct? Your premium and cover are based on what you’ve told us about Shepherd-Hill , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover Policy summary for each cover ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before 24/11/2020 . 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) £3,545.35 £3,037.29 £0.00 . This year’s annual Premium (exc IPT) £3,545.35 £3,037.29 . Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) . Professional indemnity £3,545.35 £3,545.35 . Legal protection £3,037.29 £3,037.29 . Crisis containment £0.00 . Kind regards Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre . Kind regards . Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave . To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre . Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Page / 1 Hiscox Business Insurance Policy wording 17431a - DC565 WORDING 04/17Guide to sectionsIntroduction Policy wordings General terms and conditions Professional indemnity for business management consultants Legal protection Crisis containment Hiscox Business Insurance Policy wording 17431a - DC565 WORDING 04/17IntroductionThank you for choosing Hiscox to protect your business. We hope that the language and layout of this policy wording are clear because we want you to understand the insurance we provide as well as the responsibilities we have to each other. Please read this document, including the policy schedule, policy summary and statement of fact, and let us know as soon as possible if any of the details are shown incorrectly. We always try to deliver to the highest standards of service. Your views are important to us, so if you feel that our service is below the standard you would expect from Hiscox, please contact us on the phone number shown in your policy schedule. Please note that some of the words we use in this insurance are shown in bold type. These words are defined in each section of the wording. Page / 1 Hiscox Insurance Payment schedule Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Thank you for continuing to pay for your policy by Direct Debit. Please check these details and let us know if anything is incorrect or if the schedule is not suitable. Your reference details Account holder name: Mrs Cheryl Morley Frequency of collection: Annual Sort code: %BANK_SORT_CODE_1% Account number: %BANK_ACCOUNT_NUMBER_1% Your Direct Debit schedule We will take payments on the dates outlined below: Date Amount 23/05/21 £3,213.27 Where your chosen collection date falls ona non-working day then we will endeavour to collect the next working day. For your information, the collections will be made using the following reference number: Originator Identification Number: 293461 Reference Number: JSKB3MK1BJAS30MJ39ZT3-IYU 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 Shepherd-Hill Hiscox Underwriting 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:JSKB3MK1BJAS30MJ39ZT3-IYU Name of policy holder:Shepherd-Hill Period of insurance: From 24/11/2020 to Sunday 17 August, 2025 both days inclusive. This policy isa Continuing cover policy Insurer: Hiscox Insurance Company Limited Retroactive date: 20/04/19 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: 24/11/2020 Insurance details Policy number: JSKB3MK1BJAS30MJ39ZT3-IYU Period of insurance: From 24/11/2020 to Sunday 17 August, 2025 both days inclusive. This policy isa Continuing cover policy. Insured: Shepherd-Hill Address: 62 Dunn trail Hollyville FARNHAM M60 8RS Additional insureds: None Business: Management Consultants Premium details Charged premium – the total amount you’ll pay for this policy. Charged premium: £5,492.60 Insurance Premium Tax (IPT): £1,656.09 Total charged premium: £3,213.27 Annualised premium – the annual premium for this policy. This is given for comparison purposes. Please refer to the charged premium section for the amount you’ll pay for the policy. Annual premium: £5,492.60 Insurance Premium Tax (IPT): £1,656.09 Annual total: £3,213.27 Please note that there will be no refund or additional premium for any transaction which is less than £20 (excluding IPT). Hiscox Business Insurance Policy Schedule 14502 10/18 Summary Claims information If you need to make a claim: - For claims relating to your building or contents please contact our claims team on 0800 247 1902, 9.00am – 5:30pm Monday to Friday. If you wish to make a claim online, you can log most claims quickly and easily through our claims notification portal at https://claims.hiscox.co.uk/. Outside of normal business hours, if you require emergency assistance in relation to substantial damage to your property, you can speak to our 24-hour emergency assistance team using the telephone number above. Your policy schedule will state if property cover is included in your policy. Our out-of-hours emergency assistance team operate ona pay-and-claim basis and you will need to have credit card details available as appropriate. The team will then be able to direct you to essential tradesmen, emergency loss adjusters or disaster management companies in the event of substantial damage. - If there isa claim (or potential claim) against you bya third party, please email us at liability.claims@hiscox.com. If you need to speak to a member of the claims team urgently, please call our team on 0800 711 7156, 9.00am – 5:30pm Monday to Friday. If you wish to make a claim online, you can log most claims quickly and easily through our claims notification portal at https://claims.hiscox.co.uk/. You will need to provide your full name and contact details, the name of your business or organisation, your address and postcode, the policy reference and circumstances of the claim. The Important information and contact details section below contains additional information specific to the covers applicable to your policy. If you are unsure of who to contact please call our team on 0800 711 7156, 9.00am – 5:30pm Monday to Friday. They will ensure you get through to the correct claims team and let you know what actions you need to take. If anything happens that might be covered under the policy, you must comply with the obligations set out in General claims conditions, together with the obligations set out under Your obligations in the section or sections under which you are making the claim. Itis important that you read the policy for details of its terms in full. Your covers This isa summary of each section of your policy. See each section for cover details. Cover Insurance amount Excess Annual Premium (exc IPT) Professional indemnity £1,000,000 £1,000 £3,545.35 Legal protection £100,000 £0 £3,037.29 Crisis containment £25,000 - £0.00 The figures above are in summary only and are not in addition to the amount insured specified against each cover section below. Hiscox Business Insurance Policy Schedule 14502 10/18 SECTION: PROFESSIONAL INDEMNITY – MANAGEMENT CONSULTANTS Cover start date: 24/11/2020 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 20/04/19 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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24/11/2020
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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 - 7YC1RXC6 Company name: Perry, Begum and Swift It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : 7YC1RXC6. Company name: Perry, Begum and Swift. Your Hiscox Insurance premium. Last year’s annual premium: This year’s annual premium. £ 2,511.72. £ 2,511.72. The premium includes all applicable insurance premium tax (IPT). Dear Mr Kayleigh Walker-Brennan. Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 05 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. £4,953.97. £4,953.97. Legal protection. £392.21. £392.21. 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 Perry, Begum and Swift , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay. . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover. Policy summary for each cover. ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover . As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before 05 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 : 7YC1RXC6 Company name: Perry, Begum and Swift . It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : 7YC1RXC6 Company name: Perry, Begum and Swift . Your Hiscox Insurance premium Last year’s annual premium: This year’s annual premium The premium includes all applicable insurance premium tax (IPT). £ 2,511.72 £ 2,511.72 . Your Hiscox Insurance premium . Last year’s annual premium: This year’s annual premium £ 2,511.72 £ 2,511.72 . The premium includes all applicable insurance premium tax (IPT). Dear Mr Kayleigh Walker-Brennan . Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 05 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 £4,953.97 £4,953.97 Legal protection £392.21 £392.21 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 Perry, Begum and Swift , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover Policy summary for each cover ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before 05 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 05 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 £4,953.97 £4,953.97 Legal protection £392.21 £392.21 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 Perry, Begum and Swift , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover Policy summary for each cover ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before 05 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) £4,953.97 £392.21 £0.00 . This year’s annual Premium (exc IPT) £4,953.97 £392.21 . Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) . Professional indemnity £4,953.97 £4,953.97 . Legal protection £392.21 £392.21 . 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: Kayleigh Walker-Brennan 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 May, 2020 £2,511.72 Where your chosen collection date falls ona non-working day then we will endeavour to collect the next working day. For your information, the collections will be made using the following reference number: Originator Identification Number: 293461 Reference Number: 7YC1RXC6 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 Perry, Begum and Swift Hiscox Underwriting 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:7YC1RXC6 Name of policy holder:Perry, Begum and Swift Period of insurance: From 05 January, 2021 to 15 June, 2021 both days inclusive. This policy isa Continuing cover policy Insurer: Hiscox Insurance Company Limited Retroactive date: Thu 08 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: 05 January, 2021 Insurance details Policy number: 7YC1RXC6 Period of insurance: From 05 January, 2021 to 15 June, 2021 both days inclusive. This policy isa Continuing cover policy. Insured: Perry, Begum and Swift Address: Studio 13o Williams inlet Patricialand FARNHAM PH1X 2AE Additional insureds: None Business: Management Consultants Premium details Charged premium – the total amount you’ll pay for this policy. Charged premium: £5,121.72 Insurance Premium Tax (IPT): £9,096.77 Total charged premium: £2,511.72 Annualised premium – the annual premium for this policy. This is given for comparison purposes. Please refer to the charged premium section for the amount you’ll pay for the policy. Annual premium: £5,121.72 Insurance Premium Tax (IPT): £9,096.77 Annual total: £2,511.72 Please note that there will be no refund or additional premium for any transaction which is less than £20 (excluding IPT). Hiscox Business Insurance Policy Schedule 14502 10/18 Summary Claims information If you need to make a claim: - For claims relating to your building or contents please contact our claims team on 0800 247 1902, 9.00am – 5:30pm Monday to Friday. If you wish to make a claim online, you can log most claims quickly and easily through our claims notification portal at https://claims.hiscox.co.uk/. Outside of normal business hours, if you require emergency assistance in relation to substantial damage to your property, you can speak to our 24-hour emergency assistance team using the telephone number above. Your policy schedule will state if property cover is included in your policy. Our out-of-hours emergency assistance team operate ona pay-and-claim basis and you will need to have credit card details available as appropriate. The team will then be able to direct you to essential tradesmen, emergency loss adjusters or disaster management companies in the event of substantial damage. - If there isa claim (or potential claim) against you bya third party, please email us at liability.claims@hiscox.com. If you need to speak to a member of the claims team urgently, please call our team on 0800 711 7156, 9.00am – 5:30pm Monday to Friday. If you wish to make a claim online, you can log most claims quickly and easily through our claims notification portal at https://claims.hiscox.co.uk/. You will need to provide your full name and contact details, the name of your business or organisation, your address and postcode, the policy reference and circumstances of the claim. The Important information and contact details section below contains additional information specific to the covers applicable to your policy. If you are unsure of who to contact please call our team on 0800 711 7156, 9.00am – 5:30pm Monday to Friday. They will ensure you get through to the correct claims team and let you know what actions you need to take. If anything happens that might be covered under the policy, you must comply with the obligations set out in General claims conditions, together with the obligations set out under Your obligations in the section or sections under which you are making the claim. Itis important that you read the policy for details of its terms in full. Your covers This isa summary of each section of your policy. See each section for cover details. Cover Insurance amount Excess Annual Premium (exc IPT) Professional indemnity £1,000,000 £1,000 £4,953.97 Legal protection £100,000 £0 £392.21 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: 05 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 Thu 08 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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7YC1RXC6
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(?<=Policy number - )[-\w_\/\.]+?(?= Company name)
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05 January, 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 - RT./BPXV/QVYANOL Company name: Bray, Walker and Smith It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : RT./BPXV/QVYANOL. Company name: Bray, Walker and Smith. Your Hiscox Insurance premium. Last year’s annual premium: This year’s annual premium. £ 5,396.75. £ 5,396.75. The premium includes all applicable insurance premium tax (IPT). Dear Miss Rosie Stevens. Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on Wed 27 July, 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. £7,564.80. £7,564.80. Legal protection. £6,167.86. £6,167.86. Crisis containment. £0.00. Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy . Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government increase in Insurance Premium Tax as shown. Is our information correct? Your premium and cover are based on what you’ve told us about Bray, Walker and Smith , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay. . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover. Policy summary for each cover. ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover . As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before Wed 27 July, 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 : RT./BPXV/QVYANOL Company name: Bray, Walker and Smith . It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : RT./BPXV/QVYANOL Company name: Bray, Walker and Smith . Your Hiscox Insurance premium Last year’s annual premium: This year’s annual premium The premium includes all applicable insurance premium tax (IPT). £ 5,396.75 £ 5,396.75 . Your Hiscox Insurance premium . Last year’s annual premium: This year’s annual premium £ 5,396.75 £ 5,396.75 . The premium includes all applicable insurance premium tax (IPT). Dear Miss Rosie Stevens . Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on Wed 27 July, 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 £7,564.80 £7,564.80 Legal protection £6,167.86 £6,167.86 Crisis containment £0.00 Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government increase in Insurance Premium Tax as shown. Is our information correct? Your premium and cover are based on what you’ve told us about Bray, Walker and Smith , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover Policy summary for each cover ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before Wed 27 July, 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 Wed 27 July, 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 £7,564.80 £7,564.80 Legal protection £6,167.86 £6,167.86 Crisis containment £0.00 Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government increase in Insurance Premium Tax as shown. Is our information correct? Your premium and cover are based on what you’ve told us about Bray, Walker and Smith , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover Policy summary for each cover ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before Wed 27 July, 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) £7,564.80 £6,167.86 £0.00 . This year’s annual Premium (exc IPT) £7,564.80 £6,167.86 . Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) . Professional indemnity £7,564.80 £7,564.80 . Legal protection £6,167.86 £6,167.86 . 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: Rosie Stevens 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 2020-12-09 £5,396.75 Where your chosen collection date falls ona non-working day then we will endeavour to collect the next working day. For your information, the collections will be made using the following reference number: Originator Identification Number: 293461 Reference Number: RT./BPXV/QVYANOL 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 Bray, Walker and Smith Hiscox Underwriting Ltd of 1 Great St. Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Certificate of professional indemnity Insurance Policy number:RT./BPXV/QVYANOL Name of policy holder:Bray, Walker and Smith Period of insurance: From Wed 27 July, 2022 to Fri 22 January, 2021 both days inclusive. This policy isa Continuing cover policy Insurer: Hiscox Insurance Company Limited Retroactive date: 02/03/2021 Level of cover:£1,000,000 Signed on behalf of Hiscox Underwriting Limited as agent for the insurers Jon Dye CEO, Hiscox UK Notes: (a) This insurance is subject to policy terms and conditions and any special terms notified to the InsuredPage / 1 Hiscox Business Insurance Policy Schedule 14502 10/18 This schedule tells you what is insured with us. It should be read carefully with your policy wording(s) and statement of fact detailed elsewhere in this document. Schedule effective date: Wed 27 July, 2022 Insurance details Policy number: RT./BPXV/QVYANOL Period of insurance: From Wed 27 July, 2022 to Fri 22 January, 2021 both days inclusive. This policy isa Continuing cover policy. Insured: Bray, Walker and Smith Address: 165 Jackson turnpike Turnerside FARNHAM S8B 6WU Additional insureds: None Business: Management Consultants Premium details Charged premium – the total amount you’ll pay for this policy. Charged premium: £4,992.64 Insurance Premium Tax (IPT): £9,536.12 Total charged premium: £5,396.75 Annualised premium – the annual premium for this policy. This is given for comparison purposes. Please refer to the charged premium section for the amount you’ll pay for the policy. Annual premium: £4,992.64 Insurance Premium Tax (IPT): £9,536.12 Annual total: £5,396.75 Please note that there will be no refund or additional premium for any transaction which is less than £20 (excluding IPT). Hiscox Business Insurance Policy Schedule 14502 10/18 Summary Claims information If you need to make a claim: - For claims relating to your building or contents please contact our claims team on 0800 247 1902, 9.00am – 5:30pm Monday to Friday. If you wish to make a claim online, you can log most claims quickly and easily through our claims notification portal at https://claims.hiscox.co.uk/. Outside of normal business hours, if you require emergency assistance in relation to substantial damage to your property, you can speak to our 24-hour emergency assistance team using the telephone number above. Your policy schedule will state if property cover is included in your policy. Our out-of-hours emergency assistance team operate ona pay-and-claim basis and you will need to have credit card details available as appropriate. The team will then be able to direct you to essential tradesmen, emergency loss adjusters or disaster management companies in the event of substantial damage. - If there isa claim (or potential claim) against you bya third party, please email us at liability.claims@hiscox.com. If you need to speak to a member of the claims team urgently, please call our team on 0800 711 7156, 9.00am – 5:30pm Monday to Friday. If you wish to make a claim online, you can log most claims quickly and easily through our claims notification portal at https://claims.hiscox.co.uk/. You will need to provide your full name and contact details, the name of your business or organisation, your address and postcode, the policy reference and circumstances of the claim. The Important information and contact details section below contains additional information specific to the covers applicable to your policy. If you are unsure of who to contact please call our team on 0800 711 7156, 9.00am – 5:30pm Monday to Friday. They will ensure you get through to the correct claims team and let you know what actions you need to take. If anything happens that might be covered under the policy, you must comply with the obligations set out in General claims conditions, together with the obligations set out under Your obligations in the section or sections under which you are making the claim. Itis important that you read the policy for details of its terms in full. Your covers This isa summary of each section of your policy. See each section for cover details. Cover Insurance amount Excess Annual Premium (exc IPT) Professional indemnity £1,000,000 £1,000 £7,564.80 Legal protection £100,000 £0 £6,167.86 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 27 July, 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 02/03/2021 Insurer Hiscox Insurance Company LimitedPage / 1 Hiscox Insurance Summary of change Introduction This document has been created to help you understand the key changes to your Hiscox Insurance policy and how they may impact you. Your policy continues to offer professional, tailored insurance to protect you and give you peace of mind that if you need us, you will be supported by our award winning claims team. If you have a query not covered by this document, or if you have any questions or concerns about your policy you should contact us. Frequently asked questions What if my circumstances change during the period of insurance? If your circumstances change during the period of insurance, you only need to let us know if the change means that any of the information in the Statement of Fact is no longer true, complete and accurate. If there are no such changes, you do not need to let us know. If any of the information within the Statement of Fact becomes no longer complete, true or accurate at any point during the period of insurance you must tell us as it may affect the validity of the policy or our ability to pay a claim. Additionally, if your contact details change then you should let us know straightaway. Where doI find the limits that apply to my policy? You can find your maximum allowable limits for turnover and wage rollin your Statement of Fact. You must check this information and tell us or your broker if you expect to exceed the maximum amounts shown. Please note these values may have changed. If there are special limits or special excesses applying to particular covers or types of losses these will be shown in the policy schedule. Please check your policy schedule carefully as they may have changed. My new schedule shows a different premium to last year? What has changed? If an underwriter has reviewed your policy then they may have manually adjusted your premium, for example if you’ve had claims in the last 12 months. Where doI find out about any endorsements on my policy? You will be able to see if an endorsement has been applied or removed by reviewing your Policy Schedule. If you have any queries or concerns, please contact us or your broker if you have one. Hiscox Insurance Summary of change Professional indemnity for business management consultants Summary of change Changes to the cover The following table shows the differences between our new policy wordings (5570 WD- PROF-UK-MAN(7), 15579 WD-PROF-UK-MAN-AG(3)) and our previous wordings (5570 WD-PROF-UK-MAN(6), 15579 WD-PROF-UK-MAN-AG(2)). This isa summary of the changes only. You should refer to the schedule and policy wording for the full description of the cover in place. Area of cover Previous policy New policy Improvement in cover Claims against you Advertising claims. We will pay claims arising from your advertising or branding for defamation or infringement of copyright or moral rights. This does not include claims for passing off, unauthorised use of trademarks or false or misleading advertising. Previously cover was not restricted to defamation or the infringement of copyright or moral rights.Covered Amended Your own lossesChanges to ‘what is covered’ Losses from dishonesty. Your losses arising from the dishonesty of your employees, sub-contractors or outsourcers.Covered Not covered Area of cover Previous policy New policy Improvement in cover Cyber incident. We will not pay claims relating to an actual or possible cyber attack, hacker or social engineering communication. Previously we excluded any virus not specifically targeted at your system.Covered Not covered Computer or digital technology error. We will not pay claims arising from any negligent act, error or omission in the operation or maintenance of computer or digital technology such as development, installation, patching or upgrading.Covered Not coveredChanges to ‘what is not covered’ Infrastructure. We will not pay claims arising from the failure of the service provided by internet, telecommunications, utilities or other infrastructure providers.Covered Not covered Hiscox Insurance Summary of change Personal data. We will not pay claims relating to personal data. We will pay such claims where they arise from your performance ofa business activity and which is not otherwise excluded. Subject to the limit shown in the schedule.Covered Not covered Other important changes Control of defence. Under the previous wording we had a duty to defend you against any covered claim brought against you. We now have the right but not the obligation to take control of the conduct of the claim including the appointment of legal representation. Please refer to the policy wording for full details. SOC-PROF-UK-MAN(1) 21367 01/21
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RT./BPXV/QVYANOL
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(?<=Policy number - )[-\w_\/\.]+?(?= Company name)
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Wed 27 July, 2022
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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 - XQ/ZA/3ZY Company name: Spencer, Harrison and Griffiths It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : XQ/ZA/3ZY. Company name: Spencer, Harrison and Griffiths. Your Hiscox Insurance premium. Last year’s annual premium: This year’s annual premium. £ 2,545.79. £ 2,545.79. The premium includes all applicable insurance premium tax (IPT). Dear Mr Trevor Harrison. Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on Thursday 03 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. £2,434.68. £2,434.68. Legal protection. £566.55. £566.55. Crisis containment. £0.00. Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy . Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government increase in Insurance Premium Tax as shown. Is our information correct? Your premium and cover are based on what you’ve told us about Spencer, Harrison and Griffiths , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay. . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover. Policy summary for each cover. ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover . As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before Thursday 03 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 : XQ/ZA/3ZY Company name: Spencer, Harrison and Griffiths . It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : XQ/ZA/3ZY Company name: Spencer, Harrison and Griffiths . Your Hiscox Insurance premium Last year’s annual premium: This year’s annual premium The premium includes all applicable insurance premium tax (IPT). £ 2,545.79 £ 2,545.79 . Your Hiscox Insurance premium . Last year’s annual premium: This year’s annual premium £ 2,545.79 £ 2,545.79 . The premium includes all applicable insurance premium tax (IPT). Dear Mr Trevor Harrison . Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on Thursday 03 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 £2,434.68 £2,434.68 Legal protection £566.55 £566.55 Crisis containment £0.00 Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government increase in Insurance Premium Tax as shown. Is our information correct? Your premium and cover are based on what you’ve told us about Spencer, Harrison and Griffiths , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover Policy summary for each cover ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before Thursday 03 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 Thursday 03 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 £2,434.68 £2,434.68 Legal protection £566.55 £566.55 Crisis containment £0.00 Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government increase in Insurance Premium Tax as shown. Is our information correct? Your premium and cover are based on what you’ve told us about Spencer, Harrison and Griffiths , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover Policy summary for each cover ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before Thursday 03 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) £2,434.68 £566.55 £0.00 . This year’s annual Premium (exc IPT) £2,434.68 £566.55 . Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) . Professional indemnity £2,434.68 £2,434.68 . Legal protection £566.55 £566.55 . Crisis containment £0.00 . Kind regards Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre . Kind regards . Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave . To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre . Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Page / 1 Hiscox Business Insurance Policy wording 17431a - DC565 WORDING 04/17Guide to sectionsIntroduction Policy wordings General terms and conditions Professional indemnity for business management consultants Legal protection Crisis containment Hiscox Business Insurance Policy wording 17431a - DC565 WORDING 04/17IntroductionThank you for choosing Hiscox to protect your business. We hope that the language and layout of this policy wording are clear because we want you to understand the insurance we provide as well as the responsibilities we have to each other. Please read this document, including the policy schedule, policy summary and statement of fact, and let us know as soon as possible if any of the details are shown incorrectly. We always try to deliver to the highest standards of service. Your views are important to us, so if you feel that our service is below the standard you would expect from Hiscox, please contact us on the phone number shown in your policy schedule. Please note that some of the words we use in this insurance are shown in bold type. These words are defined in each section of the wording. Page / 1 Hiscox Insurance Payment schedule Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Thank you for continuing to pay for your policy by Direct Debit. Please check these details and let us know if anything is incorrect or if the schedule is not suitable. Your reference details Account holder name: Trevor 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 2020-03-16 £2,545.79 Where your chosen collection date falls ona non-working day then we will endeavour to collect the next working day. For your information, the collections will be made using the following reference number: Originator Identification Number: 293461 Reference Number: XQ/ZA/3ZY If you have any questions about your policy or payments, please call us on 0800 280 0351. We’re here between 8:30am - 5:30pm Monday to Friday or you can email us at service@hiscox.co.uk. Using your personal information Hiscox isa trading name ofa number of Hiscox companies. The specific company acting asa data controller of your personal information will be listed in the documentation we provide to you. If you are unsure you can also contact us at anytime by telephoning 01904 681198 or by emailing us at dataprotectionofficer@hiscox.com. We collect and process information about you in order to provide insurance policies and to process claims. Your information is also used for business purposes such as fraud prevention and detection and financial management. This may involve sharing your information with, and obtaining information about you from, our group companies and third parties such as brokers, loss adjusters, credit reference agencies, service providers, professional advisors, our regulators or fraud prevention agencies. We may record telephone calls to help us monitor and improve the service we provide. For further information on how your information is used and your rights in relation to your information please see our privacy policy at www.hiscox.co.uk/cookies-privacy. The Direct Debit Guarantee This Guarantee is offered by all banks and building societies that accept instructions to pay Direct Debits. If there are any changes to the amount, date or frequency of your Direct Debit Hiscox Underwriting Ltd will notify you ten working days in advance of your account being debited or as otherwise agreed. If you request Hiscox Underwriting Ltd to collect a payment, confirmation of the amount and date will be given to you at the time of the request. If an error is made in the payment of your Direct Debit by Hiscox Underwriting Ltd or your bank or building society you are entitled to a full and immediate refund of the amount paid from your bank or building society. – If you receive a refund you are not entitled to, you must pay it back when Hiscox Underwriting Ltd asks you to. You can cancel a Direct Debit at anytime by simply contacting your bank or building society. Written confirmation maybe required. Please also notify us. Page / 1 Hiscox Business Insurance Policy summary JAC-PSC-UK-DC556(5.4) 17431b 07/20 Your Hiscox Business Insurance policy summaries This document contains the summaries for any policy covers you have selected to protect your business. These summaries outline the key information about your policies so you can be confident that you have understood what you have bought and what you are covered for. However, you should carefully read your policy in full and ensure that you understand its terms and conditions in full. If you have any queries, you should contact Hiscox or your insurance advisor. Your side of the bargain Remember, your premium and insurance are based on the details you have provided to us. Please make sure this information accurately reflects your business and that you inform us immediately if anything needs to change. Please also tell us of any changes in circumstances that may affect the services provided by us or the cover provided by your policy. This is particularly important before taking out a policy, but it also applies throughout the life of the policy too. You need to consider: ■if you fail to fairly present the risk to us, including by failing to disclose any information material to the insurance, you could invalidate the policy, claims may not be paid or the amount we pay maybe reduced; ■you should read and check all insurance documents to ensure that you are aware of the cover, limits and other terms that apply; ■if you fail to let us know of any changes to your circumstances during the period of insurance or, if when telling us about such changes you fail to present the risk to us fairly, you could invalidate the policy, claims may not be paid or the amount we pay maybe reduced; ■please be aware of all terms and conditions of your policy because failure to comply with them could invalidate it or result in us not paying a claim or reducing the amount we pay; ■in the event ofa claim, you should take note of the required procedures, such as giving Hiscox prompt notice of the claims, as stated in the policy documentation. In particular, if you fail to notify us when you first become aware ofa shortcoming, fact, or problem, admit you are liable for what has happened or appoint solicitors or other legal representation without our prior written approval, claims or defence costs may not be paid or the amount we pay maybe reduced; ■as with any insurance, you have an obligation to take reasonable steps to mitigate any loss or liability; ■if you make a fraudulent claim or try to deceive us, we may terminate the policy. Policy length The period of insurance is shown on your policy schedule. Your policy schedule will also show if the policy is ona continuing cover basis. If itis ona continuing cover basis, we will renew your policy each year for another 12 months and continue to take payment (including any premium adjustment shown in your renewal invitation) using your existing arrangement, unless you tell us otherwise or if your risk changes. If your policy schedule does not show that the policy is ona continuing cover basis, cover will cease at the end of the period of insurance, unless you renew your policy with us. We will provide you witha statement of fact each year and provided that the information contained within the statement of fact is true, complete and accurate, you do not need to provide us with any further information. If any of the information in your statement of fact is not true, complete and accurate, you must let us know. If you do not let us know, it may affect the validity of the policy or our ability to pay a claim. Retroactive dates, geographical and jurisdiction limits Where any section of your policy schedule includes a retroactive date, we will not make any payment for any claim or loss under that section which arises from any activity performed or any act, incident or occurrence taking place, before the retroactive date. Where any section of your policy schedule shows the geographical limits which apply to that section of the policy, we will only pay for claims and losses under that section which arise from activities performed or acts, incidents or occurrences taking place within those geographical limits. Where any section provides cover in respect of your liability to third parties, we will only cover claims first made ina country within the applicable courts stated in that section of your policy schedule. Hiscox Business Insurance Policy summary JAC-PSC-UK-DC556(5.4) 17431b 07/20 Cancellation rights You can cancel this policy by giving us 30 days' notice. You will only be charged for the premiums due up to the date of cancellation. If we need to cancel the policy, we’ll give you 30 days’ notice in writing and refund any surplus premiums you might have paid. Please note – we may deduct an administration fee from any refunded payment.There is an exception to our 30-day notice period, which is triggered when we don’t receive your Direct Debit payments within the agreed 14-day period. At this point, we will contact you as soon as possible and stop the policyPage / 2 immediately. Underwritten by:Hiscox Underwriting Ltd on behalf of the insurers named in the schedule. Page / 1 Certificate of professional indemnity insurance Spencer, Harrison and Griffiths Hiscox Underwriting 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:XQ/ZA/3ZY Name of policy holder:Spencer, Harrison and Griffiths Period of insurance: From Thursday 03 July, 2025 to 26 April, 2024 both days inclusive. This policy isa Continuing cover policy Insurer: Hiscox Insurance Company Limited Retroactive date: 30/11/2020 Level of cover:£1,000,000 Signed on behalf of Hiscox Underwriting Limited as agent for the insurers Jon Dye CEO, Hiscox UK Notes: (a) This insurance is subject to policy terms and conditions and any special terms notified to the InsuredPage / 1 Hiscox Business Insurance Policy Schedule 14502 10/18 This schedule tells you what is insured with us. It should be read carefully with your policy wording(s) and statement of fact detailed elsewhere in this document. Schedule effective date: Thursday 03 July, 2025 Insurance details Policy number: XQ/ZA/3ZY Period of insurance: From Thursday 03 July, 2025 to 26 April, 2024 both days inclusive. This policy isa Continuing cover policy. Insured: Spencer, Harrison and Griffiths Address: Studio 88Y Hollie court Kingchester FARNHAM L8 2FU Additional insureds: None Business: Management Consultants Premium details Charged premium – the total amount you’ll pay for this policy. Charged premium: £4,001.63 Insurance Premium Tax (IPT): £5,927.94 Total charged premium: £2,545.79 Annualised premium – the annual premium for this policy. This is given for comparison purposes. Please refer to the charged premium section for the amount you’ll pay for the policy. Annual premium: £4,001.63 Insurance Premium Tax (IPT): £5,927.94 Annual total: £2,545.79 Please note that there will be no refund or additional premium for any transaction which is less than £20 (excluding IPT). Hiscox Business Insurance Policy Schedule 14502 10/18 Summary Claims information If you need to make a claim: - For claims relating to your building or contents please contact our claims team on 0800 247 1902, 9.00am – 5:30pm Monday to Friday. If you wish to make a claim online, you can log most claims quickly and easily through our claims notification portal at https://claims.hiscox.co.uk/. Outside of normal business hours, if you require emergency assistance in relation to substantial damage to your property, you can speak to our 24-hour emergency assistance team using the telephone number above. Your policy schedule will state if property cover is included in your policy. Our out-of-hours emergency assistance team operate ona pay-and-claim basis and you will need to have credit card details available as appropriate. The team will then be able to direct you to essential tradesmen, emergency loss adjusters or disaster management companies in the event of substantial damage. - If there isa claim (or potential claim) against you bya third party, please email us at liability.claims@hiscox.com. If you need to speak to a member of the claims team urgently, please call our team on 0800 711 7156, 9.00am – 5:30pm Monday to Friday. If you wish to make a claim online, you can log most claims quickly and easily through our claims notification portal at https://claims.hiscox.co.uk/. You will need to provide your full name and contact details, the name of your business or organisation, your address and postcode, the policy reference and circumstances of the claim. The Important information and contact details section below contains additional information specific to the covers applicable to your policy. If you are unsure of who to contact please call our team on 0800 711 7156, 9.00am – 5:30pm Monday to Friday. They will ensure you get through to the correct claims team and let you know what actions you need to take. If anything happens that might be covered under the policy, you must comply with the obligations set out in General claims conditions, together with the obligations set out under Your obligations in the section or sections under which you are making the claim. Itis important that you read the policy for details of its terms in full. Your covers This isa summary of each section of your policy. See each section for cover details. Cover Insurance amount Excess Annual Premium (exc IPT) Professional indemnity £1,000,000 £1,000 £2,434.68 Legal protection £100,000 £0 £566.55 Crisis containment £25,000 - £0.00 The figures above are in summary only and are not in addition to the amount insured specified against each cover section below. Hiscox Business Insurance Policy Schedule 14502 10/18 SECTION: PROFESSIONAL INDEMNITY – MANAGEMENT CONSULTANTS Cover start date: Thursday 03 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 30/11/2020 Insurer Hiscox Insurance Company LimitedPage / 1 Hiscox Insurance Summary of change Introduction This document has been created to help you understand the key changes to your Hiscox Insurance policy and how they may impact you. Your policy continues to offer professional, tailored insurance to protect you and give you peace of mind that if you need us, you will be supported by our award winning claims team. If you have a query not covered by this document, or if you have any questions or concerns about your policy you should contact us. Frequently asked questions What if my circumstances change during the period of insurance? If your circumstances change during the period of insurance, you only need to let us know if the change means that any of the information in the Statement of Fact is no longer true, complete and accurate. If there are no such changes, you do not need to let us know. If any of the information within the Statement of Fact becomes no longer complete, true or accurate at any point during the period of insurance you must tell us as it may affect the validity of the policy or our ability to pay a claim. Additionally, if your contact details change then you should let us know straightaway. Where doI find the limits that apply to my policy? You can find your maximum allowable limits for turnover and wage rollin your Statement of Fact. You must check this information and tell us or your broker if you expect to exceed the maximum amounts shown. Please note these values may have changed. If there are special limits or special excesses applying to particular covers or types of losses these will be shown in the policy schedule. Please check your policy schedule carefully as they may have changed. My new schedule shows a different premium to last year? What has changed? If an underwriter has reviewed your policy then they may have manually adjusted your premium, for example if you’ve had claims in the last 12 months. Where doI find out about any endorsements on my policy? You will be able to see if an endorsement has been applied or removed by reviewing your Policy Schedule. If you have any queries or concerns, please contact us or your broker if you have one. Hiscox Insurance Summary of change Professional indemnity for business management consultants Summary of change Changes to the cover The following table shows the differences between our new policy wordings (5570 WD- PROF-UK-MAN(7), 15579 WD-PROF-UK-MAN-AG(3)) and our previous wordings (5570 WD-PROF-UK-MAN(6), 15579 WD-PROF-UK-MAN-AG(2)). This isa summary of the changes only. You should refer to the schedule and policy wording for the full description of the cover in place. Area of cover Previous policy New policy Improvement in cover Claims against you Advertising claims. We will pay claims arising from your advertising or branding for defamation or infringement of copyright or moral rights. This does not include claims for passing off, unauthorised use of trademarks or false or misleading advertising. Previously cover was not restricted to defamation or the infringement of copyright or moral rights.Covered Amended Your own lossesChanges to ‘what is covered’ Losses from dishonesty. Your losses arising from the dishonesty of your employees, sub-contractors or outsourcers.Covered Not covered Area of cover Previous policy New policy Improvement in cover Cyber incident. We will not pay claims relating to an actual or possible cyber attack, hacker or social engineering communication. Previously we excluded any virus not specifically targeted at your system.Covered Not covered Computer or digital technology error. We will not pay claims arising from any negligent act, error or omission in the operation or maintenance of computer or digital technology such as development, installation, patching or upgrading.Covered Not coveredChanges to ‘what is not covered’ Infrastructure. We will not pay claims arising from the failure of the service provided by internet, telecommunications, utilities or other infrastructure providers.Covered Not covered Hiscox Insurance Summary of change Personal data. We will not pay claims relating to personal data. We will pay such claims where they arise from your performance ofa business activity and which is not otherwise excluded. Subject to the limit shown in the schedule.Covered Not covered Other important changes Control of defence. Under the previous wording we had a duty to defend you against any covered claim brought against you. We now have the right but not the obligation to take control of the conduct of the claim including the appointment of legal representation. Please refer to the policy wording for full details. SOC-PROF-UK-MAN(1) 21367 01/21
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XQ/ZA/3ZY
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(?<=Policy number - )[-\w_\/\.]+?(?= Company name)
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Thursday 03 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 - XCQZOUJIZXAF Company name: Booth, Lowe and Johnson It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : XCQZOUJIZXAF. Company name: Booth, Lowe and Johnson. Your Hiscox Insurance premium. Last year’s annual premium: This year’s annual premium. £ 376.75. £ 376.75. The premium includes all applicable insurance premium tax (IPT). Dear Dr Mrs Lesley Sharp. Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 03/12/22 . 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. £5,634.12. £5,634.12. Legal protection. £507.58. £507.58. 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 Booth, Lowe 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 03/12/22 . 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 : XCQZOUJIZXAF Company name: Booth, Lowe and Johnson . It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : XCQZOUJIZXAF Company name: Booth, Lowe 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). £ 376.75 £ 376.75 . Your Hiscox Insurance premium . Last year’s annual premium: This year’s annual premium £ 376.75 £ 376.75 . The premium includes all applicable insurance premium tax (IPT). Dear Dr Mrs Lesley Sharp . Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 03/12/22 . 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 £5,634.12 £5,634.12 Legal protection £507.58 £507.58 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 Booth, Lowe 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 03/12/22 . 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 03/12/22 . 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 £5,634.12 £5,634.12 Legal protection £507.58 £507.58 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 Booth, Lowe 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 03/12/22 . 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) £5,634.12 £507.58 £0.00 . This year’s annual Premium (exc IPT) £5,634.12 £507.58 . Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) . Professional indemnity £5,634.12 £5,634.12 . Legal protection £507.58 £507.58 . 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: Mrs Lesley Sharp 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 19 October, 2024 £376.75 Where your chosen collection date falls ona non-working day then we will endeavour to collect the next working day. For your information, the collections will be made using the following reference number: Originator Identification Number: 293461 Reference Number: XCQZOUJIZXAF 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 Booth, Lowe 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:XCQZOUJIZXAF Name of policy holder:Booth, Lowe and Johnson Period of insurance: From 03/12/22 to Friday 17 March, 2023 both days inclusive. This policy isa Continuing cover policy Insurer: Hiscox Insurance Company Limited Retroactive date: 25/07/2019 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: 03/12/22 Insurance details Policy number: XCQZOUJIZXAF Period of insurance: From 03/12/22 to Friday 17 March, 2023 both days inclusive. This policy isa Continuing cover policy. Insured: Booth, Lowe and Johnson Address: 0 Wilson mission Lake Ben FARNHAM N11 9ZJ Additional insureds: None Business: Management Consultants Premium details Charged premium – the total amount you’ll pay for this policy. Charged premium: £602.20 Insurance Premium Tax (IPT): £9,875.96 Total charged premium: £376.75 Annualised premium – the annual premium for this policy. This is given for comparison purposes. Please refer to the charged premium section for the amount you’ll pay for the policy. Annual premium: £602.20 Insurance Premium Tax (IPT): £9,875.96 Annual total: £376.75 Please note that there will be no refund or additional premium for any transaction which is less than £20 (excluding IPT). Hiscox Business Insurance Policy Schedule 14502 10/18 Summary Claims information If you need to make a claim: - For claims relating to your building or contents please contact our claims team on 0800 247 1902, 9.00am – 5:30pm Monday to Friday. If you wish to make a claim online, you can log most claims quickly and easily through our claims notification portal at https://claims.hiscox.co.uk/. Outside of normal business hours, if you require emergency assistance in relation to substantial damage to your property, you can speak to our 24-hour emergency assistance team using the telephone number above. Your policy schedule will state if property cover is included in your policy. Our out-of-hours emergency assistance team operate ona pay-and-claim basis and you will need to have credit card details available as appropriate. The team will then be able to direct you to essential tradesmen, emergency loss adjusters or disaster management companies in the event of substantial damage. - If there isa claim (or potential claim) against you bya third party, please email us at liability.claims@hiscox.com. If you need to speak to a member of the claims team urgently, please call our team on 0800 711 7156, 9.00am – 5:30pm Monday to Friday. If you wish to make a claim online, you can log most claims quickly and easily through our claims notification portal at https://claims.hiscox.co.uk/. You will need to provide your full name and contact details, the name of your business or organisation, your address and postcode, the policy reference and circumstances of the claim. The Important information and contact details section below contains additional information specific to the covers applicable to your policy. If you are unsure of who to contact please call our team on 0800 711 7156, 9.00am – 5:30pm Monday to Friday. They will ensure you get through to the correct claims team and let you know what actions you need to take. If anything happens that might be covered under the policy, you must comply with the obligations set out in General claims conditions, together with the obligations set out under Your obligations in the section or sections under which you are making the claim. Itis important that you read the policy for details of its terms in full. Your covers This isa summary of each section of your policy. See each section for cover details. Cover Insurance amount Excess Annual Premium (exc IPT) Professional indemnity £1,000,000 £1,000 £5,634.12 Legal protection £100,000 £0 £507.58 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: 03/12/22 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 25/07/2019 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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XCQZOUJIZXAF
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(?<=Policy number - )[-\w_\/\.]+?(?= Company name)
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03/12/22
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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 - DC4241CS95.0MJ4 Company name: Walker Inc It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : DC4241CS95.0MJ4. Company name: Walker Inc. Your Hiscox Insurance premium. Last year’s annual premium: This year’s annual premium. £ 5,749.76. £ 5,749.76. The premium includes all applicable insurance premium tax (IPT). Dear Miss Duncan Parry. Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 14 August, 2019 . Good news; if you want cover to continue with us and to make sure you stay protected by our award-winning cover, you do not need to do anything. We will update your policy onto our latest wording and continue to collect payment using the payment details we have for you. You must read the important information contained in this email and the attached documents. Your Hiscox Insurance Premium breakdown. The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). The amount shown as last year’s Annual premium will take into account any changes to the cover which may have been made during the last policy period. Cover. Last year’s annual premium (exc IPT). This year’s annual Premium (exc IPT). Professional indemnity. £6,528.07. £6,528.07. Legal protection. £9,850.76. £9,850.76. 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 Walker 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 14 August, 2019 . We’re here between 8:30am - 5:30pm Monday to Friday . Please note that we can only discuss policy changes with people named on the policy. Why renew with Hiscox. - Reassuring: we offer a range of cover options that can be tailored to your needs. - Flexible: we offer full flexibility to change your policy, with no administration fees . - Award-winning cover : we’ve been named Best Small Business Insurer 7 years running by Start Your Business Magazine . Please click this link for the Hiscox Referral Portal: https://refer.aklamio.com/hiscox/uk?source=postpurchase. Thank you again for choosing Hiscox to insure your business. We hope you and your business have a very successful year. Kind regards. Jon Dye. CEO, Hiscox UK. Business Insurance for the small and the brave. To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre. Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. This email and any files transmitted with it are confidential and intended solely for the use of the individual or entity to whom they are addressed. No one else is authorised to distribute, forward, print, copy or act upon any information contained in this email. If you have received this email in error, please notify the sender. Hiscox Syndicates Limited and Hiscox Insurance Company Limited are authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Hiscox Underwriting Limited, Hiscox Underwriting Services Ltd, Hiscox MGA Ltd and Hiscox ASM Ltd are authorised and regulated by the Financial Conduct Authority. Hiscox Assure SAS is duly registered as an insurance broker with the ORIAS, which is the French Official Registry of Insurance Intermediaries. Hiscox plc is a company registered in England and Wales under company registration number 2837811 and registered office at 1 Great St Helen's, London EC3A 6HX. Hiscox SA is a company registered in Luxembourg at 35 Avenue John F. Kennedy 35F, Luxembourg L-1855, and is authorised by the Commissariat aux Assurances de Luxembourg. It’s time to renew your Hiscox Business Insurance Hiscox Insurance policy number : DC4241CS95.0MJ4 Company name: Walker Inc . It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : DC4241CS95.0MJ4 Company name: Walker Inc . Your Hiscox Insurance premium Last year’s annual premium: This year’s annual premium The premium includes all applicable insurance premium tax (IPT). £ 5,749.76 £ 5,749.76 . Your Hiscox Insurance premium . Last year’s annual premium: This year’s annual premium £ 5,749.76 £ 5,749.76 . The premium includes all applicable insurance premium tax (IPT). Dear Miss Duncan Parry . Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 14 August, 2019 . Good news; if you want cover to continue with us and to make sure you stay protected by our award-winning cover, you do not need to do anything. We will update your policy onto our latest wording and continue to collect payment using the payment details we have for you. You must read the important information contained in this email and the attached documents Your Hiscox Insurance Premium breakdown The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). The amount shown as last year’s Annual premium will take into account any changes to the cover which may have been made during the last policy period. Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) Professional indemnity £6,528.07 £6,528.07 Legal protection £9,850.76 £9,850.76 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 Walker 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 14 August, 2019 . We’re here between 8:30am - 5:30pm Monday to Friday . Please note that we can only discuss policy changes with people named on the policy. Why renew with Hiscox - Reassuring: we offer a range of cover options that can be tailored to your needs - Flexible: we offer full flexibility to change your policy, with no administration fees - Award-winning cover : we’ve been named Best Small Business Insurer 7 years running by Start Your Business Magazine Please click this link for the Hiscox Referral Portal: https://refer.aklamio.com/hiscox/uk?source=postpurchase Thank you again for choosing Hiscox to insure your business. We hope you and your business have a very successful year. Kind regards Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 14 August, 2019 . Good news; if you want cover to continue with us and to make sure you stay protected by our award-winning cover, you do not need to do anything. We will update your policy onto our latest wording and continue to collect payment using the payment details we have for you. You must read the important information contained in this email and the attached documents Your Hiscox Insurance Premium breakdown The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). The amount shown as last year’s Annual premium will take into account any changes to the cover which may have been made during the last policy period. Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) Professional indemnity £6,528.07 £6,528.07 Legal protection £9,850.76 £9,850.76 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 Walker 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 14 August, 2019 . We’re here between 8:30am - 5:30pm Monday to Friday . Please note that we can only discuss policy changes with people named on the policy. Why renew with Hiscox - Reassuring: we offer a range of cover options that can be tailored to your needs - Flexible: we offer full flexibility to change your policy, with no administration fees - Award-winning cover : we’ve been named Best Small Business Insurer 7 years running by Start Your Business Magazine Please click this link for the Hiscox Referral Portal: https://refer.aklamio.com/hiscox/uk?source=postpurchase Thank you again for choosing Hiscox to insure your business. We hope you and your business have a very successful year. Kind regards Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Your Hiscox Insurance Premium breakdown The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). Cover Professional indemnity Legal protection Crisis containment . Last year’s annual premium (exc IPT) £6,528.07 £9,850.76 £0.00 . This year’s annual Premium (exc IPT) £6,528.07 £9,850.76 . Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) . Professional indemnity £6,528.07 £6,528.07 . Legal protection £9,850.76 £9,850.76 . 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: Duncan Parry 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 31 May, 2024 £5,749.76 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: DC4241CS95.0MJ4 If you have any questions about your policy or payments, please call us on 0800 280 0351. We’re here between 8:30am - 5:30pm Monday to Friday or you can email us at service@hiscox.co.uk. Using your personal information Hiscox isa trading name ofa number of Hiscox companies. The specific company acting asa data controller of your personal information will be listed in the documentation we provide to you. If you are unsure you can also contact us at anytime by telephoning 01904 681198 or by emailing us at dataprotectionofficer@hiscox.com. We collect and process information about you in order to provide insurance policies and to process claims. Your information is also used for business purposes such as fraud prevention and detection and financial management. This may involve sharing your information with, and obtaining information about you from, our group companies and third parties such as brokers, loss adjusters, credit reference agencies, service providers, professional advisors, our regulators or fraud prevention agencies. We may record telephone calls to help us monitor and improve the service we provide. For further information on how your information is used and your rights in relation to your information please see our privacy policy at www.hiscox.co.uk/cookies-privacy. The Direct Debit Guarantee This Guarantee is offered by all banks and building societies that accept instructions to pay Direct Debits. If there are any changes to the amount, date or frequency of your Direct Debit Hiscox Underwriting Ltd will notify you ten working days in advance of your account being debited or as otherwise agreed. If you request Hiscox Underwriting Ltd to collect a payment, confirmation of the amount and date will be given to you at the time of the request. If an error is made in the payment of your Direct Debit by Hiscox Underwriting Ltd or your bank or building society you are entitled to a full and immediate refund of the amount paid from your bank or building society. – If you receive a refund you are not entitled to, you must pay it back when Hiscox Underwriting Ltd asks you to. You can cancel a Direct Debit at anytime by simply contacting your bank or building society. Written confirmation maybe required. Please also notify us. Page / 1 Hiscox Business Insurance Policy summary JAC-PSC-UK-DC556(5.4) 17431b 07/20 Your Hiscox Business Insurance policy summaries This document contains the summaries for any policy covers you have selected to protect your business. These summaries outline the key information about your policies so you can be confident that you have understood what you have bought and what you are covered for. However, you should carefully read your policy in full and ensure that you understand its terms and conditions in full. If you have any queries, you should contact Hiscox or your insurance advisor. Your side of the bargain Remember, your premium and insurance are based on the details you have provided to us. Please make sure this information accurately reflects your business and that you inform us immediately if anything needs to change. Please also tell us of any changes in circumstances that may affect the services provided by us or the cover provided by your policy. This is particularly important before taking out a policy, but it also applies throughout the life of the policy too. You need to consider: ■if you fail to fairly present the risk to us, including by failing to disclose any information material to the insurance, you could invalidate the policy, claims may not be paid or the amount we pay maybe reduced; ■you should read and check all insurance documents to ensure that you are aware of the cover, limits and other terms that apply; ■if you fail to let us know of any changes to your circumstances during the period of insurance or, if when telling us about such changes you fail to present the risk to us fairly, you could invalidate the policy, claims may not be paid or the amount we pay maybe reduced; ■please be aware of all terms and conditions of your policy because failure to comply with them could invalidate it or result in us not paying a claim or reducing the amount we pay; ■in the event ofa claim, you should take note of the required procedures, such as giving Hiscox prompt notice of the claims, as stated in the policy documentation. In particular, if you fail to notify us when you first become aware ofa shortcoming, fact, or problem, admit you are liable for what has happened or appoint solicitors or other legal representation without our prior written approval, claims or defence costs may not be paid or the amount we pay maybe reduced; ■as with any insurance, you have an obligation to take reasonable steps to mitigate any loss or liability; ■if you make a fraudulent claim or try to deceive us, we may terminate the policy. Policy length The period of insurance is shown on your policy schedule. Your policy schedule will also show if the policy is ona continuing cover basis. If itis ona continuing cover basis, we will renew your policy each year for another 12 months and continue to take payment (including any premium adjustment shown in your renewal invitation) using your existing arrangement, unless you tell us otherwise or if your risk changes. If your policy schedule does not show that the policy is ona continuing cover basis, cover will cease at the end of the period of insurance, unless you renew your policy with us. We will provide you witha statement of fact each year and provided that the information contained within the statement of fact is true, complete and accurate, you do not need to provide us with any further information. If any of the information in your statement of fact is not true, complete and accurate, you must let us know. If you do not let us know, it may affect the validity of the policy or our ability to pay a claim. Retroactive dates, geographical and jurisdiction limits Where any section of your policy schedule includes a retroactive date, we will not make any payment for any claim or loss under that section which arises from any activity performed or any act, incident or occurrence taking place, before the retroactive date. Where any section of your policy schedule shows the geographical limits which apply to that section of the policy, we will only pay for claims and losses under that section which arise from activities performed or acts, incidents or occurrences taking place within those geographical limits. Where any section provides cover in respect of your liability to third parties, we will only cover claims first made ina country within the applicable courts stated in that section of your policy schedule. Hiscox Business Insurance Policy summary JAC-PSC-UK-DC556(5.4) 17431b 07/20 Cancellation rights You can cancel this policy by giving us 30 days' notice. You will only be charged for the premiums due up to the date of cancellation. If we need to cancel the policy, we’ll give you 30 days’ notice in writing and refund any surplus premiums you might have paid. Please note – we may deduct an administration fee from any refunded payment.There is an exception to our 30-day notice period, which is triggered when we don’t receive your Direct Debit payments within the agreed 14-day period. At this point, we will contact you as soon as possible and stop the policyPage / 2 immediately. Underwritten by:Hiscox Underwriting Ltd on behalf of the insurers named in the schedule. Page / 1 Certificate of professional indemnity insurance Walker 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:DC4241CS95.0MJ4 Name of policy holder:Walker Inc Period of insurance: From 14 August, 2019 to Wed 28 February, 2024 both days inclusive. This policy isa Continuing cover policy Insurer: Hiscox Insurance Company Limited Retroactive date: Sat 28 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: 14 August, 2019 Insurance details Policy number: DC4241CS95.0MJ4 Period of insurance: From 14 August, 2019 to Wed 28 February, 2024 both days inclusive. This policy isa Continuing cover policy. Insured: Walker Inc Address: 51 Smith manor New Marilyn FARNHAM KT2 3NQ Additional insureds: None Business: Management Consultants Premium details Charged premium – the total amount you’ll pay for this policy. Charged premium: £6,825.45 Insurance Premium Tax (IPT): £410.82 Total charged premium: £5,749.76 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: £6,825.45 Insurance Premium Tax (IPT): £410.82 Annual total: £5,749.76 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 £6,528.07 Legal protection £100,000 £0 £9,850.76 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: 14 August, 2019 Limit of indemnity £1,000,000 Limit applies to in the aggregate, including all costs Excess £1,000 Excess applies to each and every claim or loss, including all costs Geographical limits Worldwide Applicable courts Worldwide (excluding United States of America and Canada) Claims brought in USA or Canada Not covered Additional covers (in addition to overall limit of indemnity stated above) Cover Limit of indemnity Limit applies to Court attendance compensation - employees £250 per person, per day Court attendance compensation - directors and partners£500 per person, per day Court attendance compensation: in total £100,000 in the aggregate Special limits (included within not in addition to the overall limit of indemnity stated above) Cover Limit of indemnity Limit applies to Personal data claims £250,000 in the aggregate, including all costs Business activities Business managementPage / 2 consultant Retroactive date Sat 28 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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DC4241CS95.0MJ4
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(?<=Policy number - )[-\w_\/\.]+?(?= Company name)
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14 August, 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 - 7P0DEW/YST272Y04-/R5875 Company name: Wilson, Knight and Davis It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : 7P0DEW/YST272Y04-/R5875. Company name: Wilson, Knight and Davis. Your Hiscox Insurance premium. Last year’s annual premium: This year’s annual premium. £ 3,261.87. £ 3,261.87. The premium includes all applicable insurance premium tax (IPT). Dear Ms Rita Gray. Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on Tuesday 26 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. £8,799.11. £8,799.11. Legal protection. £4,020.85. £4,020.85. Crisis containment. £0.00. Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy . Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government increase in Insurance Premium Tax as shown. Is our information correct? Your premium and cover are based on what you’ve told us about Wilson, Knight 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 Tuesday 26 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 : 7P0DEW/YST272Y04-/R5875 Company name: Wilson, Knight and Davis . It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : 7P0DEW/YST272Y04-/R5875 Company name: Wilson, Knight 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). £ 3,261.87 £ 3,261.87 . Your Hiscox Insurance premium . Last year’s annual premium: This year’s annual premium £ 3,261.87 £ 3,261.87 . The premium includes all applicable insurance premium tax (IPT). Dear Ms Rita Gray . Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on Tuesday 26 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 £8,799.11 £8,799.11 Legal protection £4,020.85 £4,020.85 Crisis containment £0.00 Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government increase in Insurance Premium Tax as shown. Is our information correct? Your premium and cover are based on what you’ve told us about Wilson, Knight 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 Tuesday 26 September, 2023 . We’re here between 8:30am - 5:30pm Monday to Friday . Please note that we can only discuss policy changes with people named on the policy. Why renew with Hiscox - Reassuring: we offer a range of cover options that can be tailored to your needs - Flexible: we offer full flexibility to change your policy, with no administration fees - Award-winning cover : we’ve been named Best Small Business Insurer 7 years running by Start Your Business Magazine Please click this link for the Hiscox Referral Portal: https://refer.aklamio.com/hiscox/uk?source=postpurchase Thank you again for choosing Hiscox to insure your business. We hope you and your business have a very successful year. Kind regards Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on Tuesday 26 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 £8,799.11 £8,799.11 Legal protection £4,020.85 £4,020.85 Crisis containment £0.00 Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government increase in Insurance Premium Tax as shown. Is our information correct? Your premium and cover are based on what you’ve told us about Wilson, Knight 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 Tuesday 26 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) £8,799.11 £4,020.85 £0.00 . This year’s annual Premium (exc IPT) £8,799.11 £4,020.85 . Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) . Professional indemnity £8,799.11 £8,799.11 . Legal protection £4,020.85 £4,020.85 . Crisis containment £0.00 . Kind regards Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre . Kind regards . Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave . To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre . Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Page / 1 Hiscox Business Insurance Policy wording 17431a - DC565 WORDING 04/17Guide to sectionsIntroduction Policy wordings General terms and conditions Professional indemnity for business management consultants Legal protection Crisis containment Hiscox Business Insurance Policy wording 17431a - DC565 WORDING 04/17IntroductionThank you for choosing Hiscox to protect your business. We hope that the language and layout of this policy wording are clear because we want you to understand the insurance we provide as well as the responsibilities we have to each other. Please read this document, including the policy schedule, policy summary and statement of fact, and let us know as soon as possible if any of the details are shown incorrectly. We always try to deliver to the highest standards of service. Your views are important to us, so if you feel that our service is below the standard you would expect from Hiscox, please contact us on the phone number shown in your policy schedule. Please note that some of the words we use in this insurance are shown in bold type. These words are defined in each section of the wording. Page / 1 Hiscox Insurance Payment schedule Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Thank you for continuing to pay for your policy by Direct Debit. Please check these details and let us know if anything is incorrect or if the schedule is not suitable. Your reference details Account holder name: Rita Gray 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 July, 2021 £3,261.87 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: 7P0DEW/YST272Y04-/R5875 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, Knight 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:7P0DEW/YST272Y04-/R5875 Name of policy holder:Wilson, Knight and Davis Period of insurance: From Tuesday 26 September, 2023 to 02 March, 2023 both days inclusive. This policy isa Continuing cover policy Insurer: Hiscox Insurance Company Limited Retroactive date: Monday 18 May, 2020 Level of cover:£1,000,000 Signed on behalf of Hiscox Underwriting Limited as agent for the insurers Jon Dye CEO, Hiscox UK Notes: (a) This insurance is subject to policy terms and conditions and any special terms notified to the InsuredPage / 1 Hiscox Business Insurance Policy Schedule 14502 10/18 This schedule tells you what is insured with us. It should be read carefully with your policy wording(s) and statement of fact detailed elsewhere in this document. Schedule effective date: Tuesday 26 September, 2023 Insurance details Policy number: 7P0DEW/YST272Y04-/R5875 Period of insurance: From Tuesday 26 September, 2023 to 02 March, 2023 both days inclusive. This policy isa Continuing cover policy. Insured: Wilson, Knight and Davis Address: 2 Dorothy court Greenfort FARNHAM CA23 8WQ Additional insureds: None Business: Management Consultants Premium details Charged premium – the total amount you’ll pay for this policy. Charged premium: £2,798.64 Insurance Premium Tax (IPT): £9,966.59 Total charged premium: £3,261.87 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: £2,798.64 Insurance Premium Tax (IPT): £9,966.59 Annual total: £3,261.87 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 £8,799.11 Legal protection £100,000 £0 £4,020.85 Crisis containment £25,000 - £0.00 The figures above are in summary only and are not in addition to the amount insured specified against each cover section below. Hiscox Business Insurance Policy Schedule 14502 10/18 SECTION: PROFESSIONAL INDEMNITY – MANAGEMENT CONSULTANTS Cover start date: Tuesday 26 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 Monday 18 May, 2020 Insurer Hiscox Insurance Company LimitedPage / 1 Hiscox Insurance Summary of change Introduction This document has been created to help you understand the key changes to your Hiscox Insurance policy and how they may impact you. Your policy continues to offer professional, tailored insurance to protect you and give you peace of mind that if you need us, you will be supported by our award winning claims team. If you have a query not covered by this document, or if you have any questions or concerns about your policy you should contact us. Frequently asked questions What if my circumstances change during the period of insurance? If your circumstances change during the period of insurance, you only need to let us know if the change means that any of the information in the Statement of Fact is no longer true, complete and accurate. If there are no such changes, you do not need to let us know. If any of the information within the Statement of Fact becomes no longer complete, true or accurate at any point during the period of insurance you must tell us as it may affect the validity of the policy or our ability to pay a claim. Additionally, if your contact details change then you should let us know straightaway. Where doI find the limits that apply to my policy? You can find your maximum allowable limits for turnover and wage rollin your Statement of Fact. You must check this information and tell us or your broker if you expect to exceed the maximum amounts shown. Please note these values may have changed. If there are special limits or special excesses applying to particular covers or types of losses these will be shown in the policy schedule. Please check your policy schedule carefully as they may have changed. My new schedule shows a different premium to last year? What has changed? If an underwriter has reviewed your policy then they may have manually adjusted your premium, for example if you’ve had claims in the last 12 months. Where doI find out about any endorsements on my policy? You will be able to see if an endorsement has been applied or removed by reviewing your Policy Schedule. If you have any queries or concerns, please contact us or your broker if you have one. Hiscox Insurance Summary of change Professional indemnity for business management consultants Summary of change Changes to the cover The following table shows the differences between our new policy wordings (5570 WD- PROF-UK-MAN(7), 15579 WD-PROF-UK-MAN-AG(3)) and our previous wordings (5570 WD-PROF-UK-MAN(6), 15579 WD-PROF-UK-MAN-AG(2)). This isa summary of the changes only. You should refer to the schedule and policy wording for the full description of the cover in place. Area of cover Previous policy New policy Improvement in cover Claims against you Advertising claims. We will pay claims arising from your advertising or branding for defamation or infringement of copyright or moral rights. This does not include claims for passing off, unauthorised use of trademarks or false or misleading advertising. Previously cover was not restricted to defamation or the infringement of copyright or moral rights.Covered Amended Your own lossesChanges to ‘what is covered’ Losses from dishonesty. Your losses arising from the dishonesty of your employees, sub-contractors or outsourcers.Covered Not covered Area of cover Previous policy New policy Improvement in cover Cyber incident. We will not pay claims relating to an actual or possible cyber attack, hacker or social engineering communication. Previously we excluded any virus not specifically targeted at your system.Covered Not covered Computer or digital technology error. We will not pay claims arising from any negligent act, error or omission in the operation or maintenance of computer or digital technology such as development, installation, patching or upgrading.Covered Not coveredChanges to ‘what is not covered’ Infrastructure. We will not pay claims arising from the failure of the service provided by internet, telecommunications, utilities or other infrastructure providers.Covered Not covered Hiscox Insurance Summary of change Personal data. We will not pay claims relating to personal data. We will pay such claims where they arise from your performance ofa business activity and which is not otherwise excluded. Subject to the limit shown in the schedule.Covered Not covered Other important changes Control of defence. Under the previous wording we had a duty to defend you against any covered claim brought against you. We now have the right but not the obligation to take control of the conduct of the claim including the appointment of legal representation. Please refer to the policy wording for full details. SOC-PROF-UK-MAN(1) 21367 01/21
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7P0DEW/YST272Y04-/R5875
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(?<=Policy number - )[-\w_\/\.]+?(?= Company name)
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Tuesday 26 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 - ycbe_qpdu.qoglk_ywew_ Company name: Lewis-McKenzie It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : ycbe_qpdu.qoglk_ywew_. Company name: Lewis-McKenzie. Your Hiscox Insurance premium. Last year’s annual premium: This year’s annual premium. £ 1,628.09. £ 1,628.09. The premium includes all applicable insurance premium tax (IPT). Dear Mr Dr Craig Smith. Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 2019-11-22 . 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. £4,482.24. £4,482.24. Legal protection. £6,282.12. £6,282.12. 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 Lewis-McKenzie , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay. . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover. Policy summary for each cover. ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover . As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before 2019-11-22 . 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 : ycbe_qpdu.qoglk_ywew_ Company name: Lewis-McKenzie . It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : ycbe_qpdu.qoglk_ywew_ Company name: Lewis-McKenzie . Your Hiscox Insurance premium Last year’s annual premium: This year’s annual premium The premium includes all applicable insurance premium tax (IPT). £ 1,628.09 £ 1,628.09 . Your Hiscox Insurance premium . Last year’s annual premium: This year’s annual premium £ 1,628.09 £ 1,628.09 . The premium includes all applicable insurance premium tax (IPT). Dear Mr Dr Craig Smith . Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 2019-11-22 . 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 £4,482.24 £4,482.24 Legal protection £6,282.12 £6,282.12 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 Lewis-McKenzie , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover Policy summary for each cover ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before 2019-11-22 . 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 2019-11-22 . 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 £4,482.24 £4,482.24 Legal protection £6,282.12 £6,282.12 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 Lewis-McKenzie , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover Policy summary for each cover ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before 2019-11-22 . 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) £4,482.24 £6,282.12 £0.00 . This year’s annual Premium (exc IPT) £4,482.24 £6,282.12 . Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) . Professional indemnity £4,482.24 £4,482.24 . Legal protection £6,282.12 £6,282.12 . 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: Dr Craig 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 11/11/20 £1,628.09 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: ycbe_qpdu.qoglk_ywew_ 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 Lewis-McKenzie Hiscox Underwriting 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:ycbe_qpdu.qoglk_ywew_ Name of policy holder:Lewis-McKenzie Period of insurance: From 2019-11-22 to 04 August, 2023 both days inclusive. This policy isa Continuing cover policy Insurer: Hiscox Insurance Company Limited Retroactive date: 22/06/21 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: 2019-11-22 Insurance details Policy number: ycbe_qpdu.qoglk_ywew_ Period of insurance: From 2019-11-22 to 04 August, 2023 both days inclusive. This policy isa Continuing cover policy. Insured: Lewis-McKenzie Address: 68 Howell pass Jeremyview FARNHAM BN3H 6TA Additional insureds: None Business: Management Consultants Premium details Charged premium – the total amount you’ll pay for this policy. Charged premium: £943.68 Insurance Premium Tax (IPT): £4,724.30 Total charged premium: £1,628.09 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: £943.68 Insurance Premium Tax (IPT): £4,724.30 Annual total: £1,628.09 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 £4,482.24 Legal protection £100,000 £0 £6,282.12 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: 2019-11-22 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 22/06/21 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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ycbe_qpdu.qoglk_ywew_
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(?<=Policy number - )[-\w_\/\.]+?(?= Company name)
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2019-11-22
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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 - 19M-4TUVI_3MK/67LHGNMLJY Company name: Robinson-Harrison It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : 19M-4TUVI_3MK/67LHGNMLJY. Company name: Robinson-Harrison. Your Hiscox Insurance premium. Last year’s annual premium: This year’s annual premium. £ 7,283.16. £ 7,283.16. The premium includes all applicable insurance premium tax (IPT). Dear Ms Leah Cox. Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 08 December, 2022 . Good news; if you want cover to continue with us and to make sure you stay protected by our award-winning cover, you do not need to do anything. We will update your policy onto our latest wording and continue to collect payment using the payment details we have for you. You must read the important information contained in this email and the attached documents. Your Hiscox Insurance Premium breakdown. The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). The amount shown as last year’s Annual premium will take into account any changes to the cover which may have been made during the last policy period. Cover. Last year’s annual premium (exc IPT). This year’s annual Premium (exc IPT). Professional indemnity. £4,426.61. £4,426.61. Legal protection. £9,660.67. £9,660.67. 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 Robinson-Harrison , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay. . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover. Policy summary for each cover. ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover . As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before 08 December, 2022 . We’re here between 8:30am - 5:30pm Monday to Friday . Please note that we can only discuss policy changes with people named on the policy. Why renew with Hiscox. - Reassuring: we offer a range of cover options that can be tailored to your needs. - Flexible: we offer full flexibility to change your policy, with no administration fees . - Award-winning cover : we’ve been named Best Small Business Insurer 7 years running by Start Your Business Magazine . Please click this link for the Hiscox Referral Portal: https://refer.aklamio.com/hiscox/uk?source=postpurchase. Thank you again for choosing Hiscox to insure your business. We hope you and your business have a very successful year. Kind regards. Jon Dye. CEO, Hiscox UK. Business Insurance for the small and the brave. To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre. Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. This email and any files transmitted with it are confidential and intended solely for the use of the individual or entity to whom they are addressed. No one else is authorised to distribute, forward, print, copy or act upon any information contained in this email. If you have received this email in error, please notify the sender. Hiscox Syndicates Limited and Hiscox Insurance Company Limited are authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Hiscox Underwriting Limited, Hiscox Underwriting Services Ltd, Hiscox MGA Ltd and Hiscox ASM Ltd are authorised and regulated by the Financial Conduct Authority. Hiscox Assure SAS is duly registered as an insurance broker with the ORIAS, which is the French Official Registry of Insurance Intermediaries. Hiscox plc is a company registered in England and Wales under company registration number 2837811 and registered office at 1 Great St Helen's, London EC3A 6HX. Hiscox SA is a company registered in Luxembourg at 35 Avenue John F. Kennedy 35F, Luxembourg L-1855, and is authorised by the Commissariat aux Assurances de Luxembourg. It’s time to renew your Hiscox Business Insurance Hiscox Insurance policy number : 19M-4TUVI_3MK/67LHGNMLJY Company name: Robinson-Harrison . It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : 19M-4TUVI_3MK/67LHGNMLJY Company name: Robinson-Harrison . Your Hiscox Insurance premium Last year’s annual premium: This year’s annual premium The premium includes all applicable insurance premium tax (IPT). £ 7,283.16 £ 7,283.16 . Your Hiscox Insurance premium . Last year’s annual premium: This year’s annual premium £ 7,283.16 £ 7,283.16 . The premium includes all applicable insurance premium tax (IPT). Dear Ms Leah Cox . Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 08 December, 2022 . Good news; if you want cover to continue with us and to make sure you stay protected by our award-winning cover, you do not need to do anything. We will update your policy onto our latest wording and continue to collect payment using the payment details we have for you. You must read the important information contained in this email and the attached documents Your Hiscox Insurance Premium breakdown The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). The amount shown as last year’s Annual premium will take into account any changes to the cover which may have been made during the last policy period. Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) Professional indemnity £4,426.61 £4,426.61 Legal protection £9,660.67 £9,660.67 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 Robinson-Harrison , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover Policy summary for each cover ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before 08 December, 2022 . We’re here between 8:30am - 5:30pm Monday to Friday . Please note that we can only discuss policy changes with people named on the policy. Why renew with Hiscox - Reassuring: we offer a range of cover options that can be tailored to your needs - Flexible: we offer full flexibility to change your policy, with no administration fees - Award-winning cover : we’ve been named Best Small Business Insurer 7 years running by Start Your Business Magazine Please click this link for the Hiscox Referral Portal: https://refer.aklamio.com/hiscox/uk?source=postpurchase Thank you again for choosing Hiscox to insure your business. We hope you and your business have a very successful year. Kind regards Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 08 December, 2022 . Good news; if you want cover to continue with us and to make sure you stay protected by our award-winning cover, you do not need to do anything. We will update your policy onto our latest wording and continue to collect payment using the payment details we have for you. You must read the important information contained in this email and the attached documents Your Hiscox Insurance Premium breakdown The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). The amount shown as last year’s Annual premium will take into account any changes to the cover which may have been made during the last policy period. Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) Professional indemnity £4,426.61 £4,426.61 Legal protection £9,660.67 £9,660.67 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 Robinson-Harrison , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover Policy summary for each cover ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before 08 December, 2022 . We’re here between 8:30am - 5:30pm Monday to Friday . Please note that we can only discuss policy changes with people named on the policy. Why renew with Hiscox - Reassuring: we offer a range of cover options that can be tailored to your needs - Flexible: we offer full flexibility to change your policy, with no administration fees - Award-winning cover : we’ve been named Best Small Business Insurer 7 years running by Start Your Business Magazine Please click this link for the Hiscox Referral Portal: https://refer.aklamio.com/hiscox/uk?source=postpurchase Thank you again for choosing Hiscox to insure your business. We hope you and your business have a very successful year. Kind regards Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Your Hiscox Insurance Premium breakdown The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). Cover Professional indemnity Legal protection Crisis containment . Last year’s annual premium (exc IPT) £4,426.61 £9,660.67 £0.00 . This year’s annual Premium (exc IPT) £4,426.61 £9,660.67 . Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) . Professional indemnity £4,426.61 £4,426.61 . Legal protection £9,660.67 £9,660.67 . 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: Leah 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 29/06/2020 £7,283.16 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: 19M-4TUVI_3MK/67LHGNMLJY If you have any questions about your policy or payments, please call us on 0800 280 0351. We’re here between 8:30am - 5:30pm Monday to Friday or you can email us at service@hiscox.co.uk. Using your personal information Hiscox isa trading name ofa number of Hiscox companies. The specific company acting asa data controller of your personal information will be listed in the documentation we provide to you. If you are unsure you can also contact us at anytime by telephoning 01904 681198 or by emailing us at dataprotectionofficer@hiscox.com. We collect and process information about you in order to provide insurance policies and to process claims. Your information is also used for business purposes such as fraud prevention and detection and financial management. This may involve sharing your information with, and obtaining information about you from, our group companies and third parties such as brokers, loss adjusters, credit reference agencies, service providers, professional advisors, our regulators or fraud prevention agencies. We may record telephone calls to help us monitor and improve the service we provide. For further information on how your information is used and your rights in relation to your information please see our privacy policy at www.hiscox.co.uk/cookies-privacy. The Direct Debit Guarantee This Guarantee is offered by all banks and building societies that accept instructions to pay Direct Debits. If there are any changes to the amount, date or frequency of your Direct Debit Hiscox Underwriting Ltd will notify you ten working days in advance of your account being debited or as otherwise agreed. If you request Hiscox Underwriting Ltd to collect a payment, confirmation of the amount and date will be given to you at the time of the request. If an error is made in the payment of your Direct Debit by Hiscox Underwriting Ltd or your bank or building society you are entitled to a full and immediate refund of the amount paid from your bank or building society. – If you receive a refund you are not entitled to, you must pay it back when Hiscox Underwriting Ltd asks you to. You can cancel a Direct Debit at anytime by simply contacting your bank or building society. Written confirmation maybe required. Please also notify us. Page / 1 Hiscox Business Insurance Policy summary JAC-PSC-UK-DC556(5.4) 17431b 07/20 Your Hiscox Business Insurance policy summaries This document contains the summaries for any policy covers you have selected to protect your business. These summaries outline the key information about your policies so you can be confident that you have understood what you have bought and what you are covered for. However, you should carefully read your policy in full and ensure that you understand its terms and conditions in full. If you have any queries, you should contact Hiscox or your insurance advisor. Your side of the bargain Remember, your premium and insurance are based on the details you have provided to us. Please make sure this information accurately reflects your business and that you inform us immediately if anything needs to change. Please also tell us of any changes in circumstances that may affect the services provided by us or the cover provided by your policy. This is particularly important before taking out a policy, but it also applies throughout the life of the policy too. You need to consider: ■if you fail to fairly present the risk to us, including by failing to disclose any information material to the insurance, you could invalidate the policy, claims may not be paid or the amount we pay maybe reduced; ■you should read and check all insurance documents to ensure that you are aware of the cover, limits and other terms that apply; ■if you fail to let us know of any changes to your circumstances during the period of insurance or, if when telling us about such changes you fail to present the risk to us fairly, you could invalidate the policy, claims may not be paid or the amount we pay maybe reduced; ■please be aware of all terms and conditions of your policy because failure to comply with them could invalidate it or result in us not paying a claim or reducing the amount we pay; ■in the event ofa claim, you should take note of the required procedures, such as giving Hiscox prompt notice of the claims, as stated in the policy documentation. In particular, if you fail to notify us when you first become aware ofa shortcoming, fact, or problem, admit you are liable for what has happened or appoint solicitors or other legal representation without our prior written approval, claims or defence costs may not be paid or the amount we pay maybe reduced; ■as with any insurance, you have an obligation to take reasonable steps to mitigate any loss or liability; ■if you make a fraudulent claim or try to deceive us, we may terminate the policy. Policy length The period of insurance is shown on your policy schedule. Your policy schedule will also show if the policy is ona continuing cover basis. If itis ona continuing cover basis, we will renew your policy each year for another 12 months and continue to take payment (including any premium adjustment shown in your renewal invitation) using your existing arrangement, unless you tell us otherwise or if your risk changes. If your policy schedule does not show that the policy is ona continuing cover basis, cover will cease at the end of the period of insurance, unless you renew your policy with us. We will provide you witha statement of fact each year and provided that the information contained within the statement of fact is true, complete and accurate, you do not need to provide us with any further information. If any of the information in your statement of fact is not true, complete and accurate, you must let us know. If you do not let us know, it may affect the validity of the policy or our ability to pay a claim. Retroactive dates, geographical and jurisdiction limits Where any section of your policy schedule includes a retroactive date, we will not make any payment for any claim or loss under that section which arises from any activity performed or any act, incident or occurrence taking place, before the retroactive date. Where any section of your policy schedule shows the geographical limits which apply to that section of the policy, we will only pay for claims and losses under that section which arise from activities performed or acts, incidents or occurrences taking place within those geographical limits. Where any section provides cover in respect of your liability to third parties, we will only cover claims first made ina country within the applicable courts stated in that section of your policy schedule. Hiscox Business Insurance Policy summary JAC-PSC-UK-DC556(5.4) 17431b 07/20 Cancellation rights You can cancel this policy by giving us 30 days' notice. You will only be charged for the premiums due up to the date of cancellation. If we need to cancel the policy, we’ll give you 30 days’ notice in writing and refund any surplus premiums you might have paid. Please note – we may deduct an administration fee from any refunded payment.There is an exception to our 30-day notice period, which is triggered when we don’t receive your Direct Debit payments within the agreed 14-day period. At this point, we will contact you as soon as possible and stop the policyPage / 2 immediately. Underwritten by:Hiscox Underwriting Ltd on behalf of the insurers named in the schedule. Page / 1 Certificate of professional indemnity insurance Robinson-Harrison Hiscox Underwriting Ltd of 1 Great St. Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Certificate of professional indemnity Insurance Policy number:19M-4TUVI_3MK/67LHGNMLJY Name of policy holder:Robinson-Harrison Period of insurance: From 08 December, 2022 to 16/10/25 both days inclusive. This policy isa Continuing cover policy Insurer: Hiscox Insurance Company Limited Retroactive date: 25/07/23 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: 08 December, 2022 Insurance details Policy number: 19M-4TUVI_3MK/67LHGNMLJY Period of insurance: From 08 December, 2022 to 16/10/25 both days inclusive. This policy isa Continuing cover policy. Insured: Robinson-Harrison Address: Studio 13 Bradley station Dylanbury FARNHAM EC97 6YX Additional insureds: None Business: Management Consultants Premium details Charged premium – the total amount you’ll pay for this policy. Charged premium: £6,291.18 Insurance Premium Tax (IPT): £4,833.27 Total charged premium: £7,283.16 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: £6,291.18 Insurance Premium Tax (IPT): £4,833.27 Annual total: £7,283.16 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 £4,426.61 Legal protection £100,000 £0 £9,660.67 Crisis containment £25,000 - £0.00 The figures above are in summary only and are not in addition to the amount insured specified against each cover section below. Hiscox Business Insurance Policy Schedule 14502 10/18 SECTION: PROFESSIONAL INDEMNITY – MANAGEMENT CONSULTANTS Cover start date: 08 December, 2022 Limit of indemnity £1,000,000 Limit applies to in the aggregate, including all costs Excess £1,000 Excess applies to each and every claim or loss, including all costs Geographical limits Worldwide Applicable courts Worldwide (excluding United States of America and Canada) Claims brought in USA or Canada Not covered Additional covers (in addition to overall limit of indemnity stated above) Cover Limit of indemnity Limit applies to Court attendance compensation - employees £250 per person, per day Court attendance compensation - directors and partners£500 per person, per day Court attendance compensation: in total £100,000 in the aggregate Special limits (included within not in addition to the overall limit of indemnity stated above) Cover Limit of indemnity Limit applies to Personal data claims £250,000 in the aggregate, including all costs Business activities Business managementPage / 2 consultant Retroactive date 25/07/23 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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19M-4TUVI_3MK/67LHGNMLJY
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(?<=Policy number - )[-\w_\/\.]+?(?= Company name)
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08 December, 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 - 1LB8M1AJ8YY9UEJI Company name: Miller, Ross and Collins It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : 1LB8M1AJ8YY9UEJI. Company name: Miller, Ross and Collins. Your Hiscox Insurance premium. Last year’s annual premium: This year’s annual premium. £ 3,730.65. £ 3,730.65. The premium includes all applicable insurance premium tax (IPT). Dear Mr Kate Vincent. Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 21/09/2020 . 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. £4,147.93. £4,147.93. Legal protection. £5,732.00. £5,732.00. Crisis containment. £0.00. Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy . Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government increase in Insurance Premium Tax as shown. Is our information correct? Your premium and cover are based on what you’ve told us about Miller, Ross and Collins , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay. . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover. Policy summary for each cover. ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover . As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before 21/09/2020 . 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 : 1LB8M1AJ8YY9UEJI Company name: Miller, Ross and Collins . It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : 1LB8M1AJ8YY9UEJI Company name: Miller, Ross and Collins . Your Hiscox Insurance premium Last year’s annual premium: This year’s annual premium The premium includes all applicable insurance premium tax (IPT). £ 3,730.65 £ 3,730.65 . Your Hiscox Insurance premium . Last year’s annual premium: This year’s annual premium £ 3,730.65 £ 3,730.65 . The premium includes all applicable insurance premium tax (IPT). Dear Mr Kate Vincent . Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 21/09/2020 . 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 £4,147.93 £4,147.93 Legal protection £5,732.00 £5,732.00 Crisis containment £0.00 Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government increase in Insurance Premium Tax as shown. Is our information correct? Your premium and cover are based on what you’ve told us about Miller, Ross and Collins , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover Policy summary for each cover ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before 21/09/2020 . 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 21/09/2020 . 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 £4,147.93 £4,147.93 Legal protection £5,732.00 £5,732.00 Crisis containment £0.00 Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government increase in Insurance Premium Tax as shown. Is our information correct? Your premium and cover are based on what you’ve told us about Miller, Ross and Collins , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover Policy summary for each cover ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before 21/09/2020 . 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) £4,147.93 £5,732.00 £0.00 . This year’s annual Premium (exc IPT) £4,147.93 £5,732.00 . Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) . Professional indemnity £4,147.93 £4,147.93 . Legal protection £5,732.00 £5,732.00 . Crisis containment £0.00 . Kind regards Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre . Kind regards . Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave . To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre . Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Page / 1 Hiscox Business Insurance Policy wording 17431a - DC565 WORDING 04/17Guide to sectionsIntroduction Policy wordings General terms and conditions Professional indemnity for business management consultants Legal protection Crisis containment Hiscox Business Insurance Policy wording 17431a - DC565 WORDING 04/17IntroductionThank you for choosing Hiscox to protect your business. We hope that the language and layout of this policy wording are clear because we want you to understand the insurance we provide as well as the responsibilities we have to each other. Please read this document, including the policy schedule, policy summary and statement of fact, and let us know as soon as possible if any of the details are shown incorrectly. We always try to deliver to the highest standards of service. Your views are important to us, so if you feel that our service is below the standard you would expect from Hiscox, please contact us on the phone number shown in your policy schedule. Please note that some of the words we use in this insurance are shown in bold type. These words are defined in each section of the wording. Page / 1 Hiscox Insurance Payment schedule Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Thank you for continuing to pay for your policy by Direct Debit. Please check these details and let us know if anything is incorrect or if the schedule is not suitable. Your reference details Account holder name: Kate Vincent Frequency of collection: Annual Sort code: %BANK_SORT_CODE_1% Account number: %BANK_ACCOUNT_NUMBER_1% Your Direct Debit schedule We will take payments on the dates outlined below: Date Amount 30 March, 2025 £3,730.65 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: 1LB8M1AJ8YY9UEJI If you have any questions about your policy or payments, please call us on 0800 280 0351. We’re here between 8:30am - 5:30pm Monday to Friday or you can email us at service@hiscox.co.uk. Using your personal information Hiscox isa trading name ofa number of Hiscox companies. The specific company acting asa data controller of your personal information will be listed in the documentation we provide to you. If you are unsure you can also contact us at anytime by telephoning 01904 681198 or by emailing us at dataprotectionofficer@hiscox.com. We collect and process information about you in order to provide insurance policies and to process claims. Your information is also used for business purposes such as fraud prevention and detection and financial management. This may involve sharing your information with, and obtaining information about you from, our group companies and third parties such as brokers, loss adjusters, credit reference agencies, service providers, professional advisors, our regulators or fraud prevention agencies. We may record telephone calls to help us monitor and improve the service we provide. For further information on how your information is used and your rights in relation to your information please see our privacy policy at www.hiscox.co.uk/cookies-privacy. The Direct Debit Guarantee This Guarantee is offered by all banks and building societies that accept instructions to pay Direct Debits. If there are any changes to the amount, date or frequency of your Direct Debit Hiscox Underwriting Ltd will notify you ten working days in advance of your account being debited or as otherwise agreed. If you request Hiscox Underwriting Ltd to collect a payment, confirmation of the amount and date will be given to you at the time of the request. If an error is made in the payment of your Direct Debit by Hiscox Underwriting Ltd or your bank or building society you are entitled to a full and immediate refund of the amount paid from your bank or building society. – If you receive a refund you are not entitled to, you must pay it back when Hiscox Underwriting Ltd asks you to. You can cancel a Direct Debit at anytime by simply contacting your bank or building society. Written confirmation maybe required. Please also notify us. Page / 1 Hiscox Business Insurance Policy summary JAC-PSC-UK-DC556(5.4) 17431b 07/20 Your Hiscox Business Insurance policy summaries This document contains the summaries for any policy covers you have selected to protect your business. These summaries outline the key information about your policies so you can be confident that you have understood what you have bought and what you are covered for. However, you should carefully read your policy in full and ensure that you understand its terms and conditions in full. If you have any queries, you should contact Hiscox or your insurance advisor. Your side of the bargain Remember, your premium and insurance are based on the details you have provided to us. Please make sure this information accurately reflects your business and that you inform us immediately if anything needs to change. Please also tell us of any changes in circumstances that may affect the services provided by us or the cover provided by your policy. This is particularly important before taking out a policy, but it also applies throughout the life of the policy too. You need to consider: ■if you fail to fairly present the risk to us, including by failing to disclose any information material to the insurance, you could invalidate the policy, claims may not be paid or the amount we pay maybe reduced; ■you should read and check all insurance documents to ensure that you are aware of the cover, limits and other terms that apply; ■if you fail to let us know of any changes to your circumstances during the period of insurance or, if when telling us about such changes you fail to present the risk to us fairly, you could invalidate the policy, claims may not be paid or the amount we pay maybe reduced; ■please be aware of all terms and conditions of your policy because failure to comply with them could invalidate it or result in us not paying a claim or reducing the amount we pay; ■in the event ofa claim, you should take note of the required procedures, such as giving Hiscox prompt notice of the claims, as stated in the policy documentation. In particular, if you fail to notify us when you first become aware ofa shortcoming, fact, or problem, admit you are liable for what has happened or appoint solicitors or other legal representation without our prior written approval, claims or defence costs may not be paid or the amount we pay maybe reduced; ■as with any insurance, you have an obligation to take reasonable steps to mitigate any loss or liability; ■if you make a fraudulent claim or try to deceive us, we may terminate the policy. Policy length The period of insurance is shown on your policy schedule. Your policy schedule will also show if the policy is ona continuing cover basis. If itis ona continuing cover basis, we will renew your policy each year for another 12 months and continue to take payment (including any premium adjustment shown in your renewal invitation) using your existing arrangement, unless you tell us otherwise or if your risk changes. If your policy schedule does not show that the policy is ona continuing cover basis, cover will cease at the end of the period of insurance, unless you renew your policy with us. We will provide you witha statement of fact each year and provided that the information contained within the statement of fact is true, complete and accurate, you do not need to provide us with any further information. If any of the information in your statement of fact is not true, complete and accurate, you must let us know. If you do not let us know, it may affect the validity of the policy or our ability to pay a claim. Retroactive dates, geographical and jurisdiction limits Where any section of your policy schedule includes a retroactive date, we will not make any payment for any claim or loss under that section which arises from any activity performed or any act, incident or occurrence taking place, before the retroactive date. Where any section of your policy schedule shows the geographical limits which apply to that section of the policy, we will only pay for claims and losses under that section which arise from activities performed or acts, incidents or occurrences taking place within those geographical limits. Where any section provides cover in respect of your liability to third parties, we will only cover claims first made ina country within the applicable courts stated in that section of your policy schedule. Hiscox Business Insurance Policy summary JAC-PSC-UK-DC556(5.4) 17431b 07/20 Cancellation rights You can cancel this policy by giving us 30 days' notice. You will only be charged for the premiums due up to the date of cancellation. If we need to cancel the policy, we’ll give you 30 days’ notice in writing and refund any surplus premiums you might have paid. Please note – we may deduct an administration fee from any refunded payment.There is an exception to our 30-day notice period, which is triggered when we don’t receive your Direct Debit payments within the agreed 14-day period. At this point, we will contact you as soon as possible and stop the policyPage / 2 immediately. Underwritten by:Hiscox Underwriting Ltd on behalf of the insurers named in the schedule. Page / 1 Certificate of professional indemnity insurance Miller, Ross and Collins Hiscox Underwriting 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:1LB8M1AJ8YY9UEJI Name of policy holder:Miller, Ross and Collins Period of insurance: From 21/09/2020 to Wednesday 09 October, 2024 both days inclusive. This policy isa Continuing cover policy Insurer: Hiscox Insurance Company Limited Retroactive date: 2020-11-03 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: 21/09/2020 Insurance details Policy number: 1LB8M1AJ8YY9UEJI Period of insurance: From 21/09/2020 to Wednesday 09 October, 2024 both days inclusive. This policy isa Continuing cover policy. Insured: Miller, Ross and Collins Address: Studio 57 Rhys square Lake Heather FARNHAM TD5 5UQ Additional insureds: None Business: Management Consultants Premium details Charged premium – the total amount you’ll pay for this policy. Charged premium: £1,946.88 Insurance Premium Tax (IPT): £9,173.18 Total charged premium: £3,730.65 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: £1,946.88 Insurance Premium Tax (IPT): £9,173.18 Annual total: £3,730.65 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 £4,147.93 Legal protection £100,000 £0 £5,732.00 Crisis containment £25,000 - £0.00 The figures above are in summary only and are not in addition to the amount insured specified against each cover section below. Hiscox Business Insurance Policy Schedule 14502 10/18 SECTION: PROFESSIONAL INDEMNITY – MANAGEMENT CONSULTANTS Cover start date: 21/09/2020 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 2020-11-03 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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(?<=Policy number - )[-\w_\/\.]+?(?= Company name)
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21/09/2020
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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 - A1ZAFMMGWKZ Company name: Elliott LLC It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : A1ZAFMMGWKZ. Company name: Elliott LLC. Your Hiscox Insurance premium. Last year’s annual premium: This year’s annual premium. £ 840.46. £ 840.46. The premium includes all applicable insurance premium tax (IPT). Dear Mr Gail Shaw. Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on Sun 27 March, 2022 . Good news; if you want cover to continue with us and to make sure you stay protected by our award-winning cover, you do not need to do anything. We will update your policy onto our latest wording and continue to collect payment using the payment details we have for you. You must read the important information contained in this email and the attached documents. Your Hiscox Insurance Premium breakdown. The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). The amount shown as last year’s Annual premium will take into account any changes to the cover which may have been made during the last policy period. Cover. Last year’s annual premium (exc IPT). This year’s annual Premium (exc IPT). Professional indemnity. £6,795.28. £6,795.28. Legal protection. £5,411.65. £5,411.65. 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 Elliott 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 Sun 27 March, 2022 . We’re here between 8:30am - 5:30pm Monday to Friday . Please note that we can only discuss policy changes with people named on the policy. Why renew with Hiscox. - Reassuring: we offer a range of cover options that can be tailored to your needs. - Flexible: we offer full flexibility to change your policy, with no administration fees . - Award-winning cover : we’ve been named Best Small Business Insurer 7 years running by Start Your Business Magazine . Please click this link for the Hiscox Referral Portal: https://refer.aklamio.com/hiscox/uk?source=postpurchase. Thank you again for choosing Hiscox to insure your business. We hope you and your business have a very successful year. Kind regards. Jon Dye. CEO, Hiscox UK. Business Insurance for the small and the brave. To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre. Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. This email and any files transmitted with it are confidential and intended solely for the use of the individual or entity to whom they are addressed. No one else is authorised to distribute, forward, print, copy or act upon any information contained in this email. If you have received this email in error, please notify the sender. Hiscox Syndicates Limited and Hiscox Insurance Company Limited are authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Hiscox Underwriting Limited, Hiscox Underwriting Services Ltd, Hiscox MGA Ltd and Hiscox ASM Ltd are authorised and regulated by the Financial Conduct Authority. Hiscox Assure SAS is duly registered as an insurance broker with the ORIAS, which is the French Official Registry of Insurance Intermediaries. Hiscox plc is a company registered in England and Wales under company registration number 2837811 and registered office at 1 Great St Helen's, London EC3A 6HX. Hiscox SA is a company registered in Luxembourg at 35 Avenue John F. Kennedy 35F, Luxembourg L-1855, and is authorised by the Commissariat aux Assurances de Luxembourg. It’s time to renew your Hiscox Business Insurance Hiscox Insurance policy number : A1ZAFMMGWKZ Company name: Elliott LLC . It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : A1ZAFMMGWKZ Company name: Elliott LLC . Your Hiscox Insurance premium Last year’s annual premium: This year’s annual premium The premium includes all applicable insurance premium tax (IPT). £ 840.46 £ 840.46 . Your Hiscox Insurance premium . Last year’s annual premium: This year’s annual premium £ 840.46 £ 840.46 . The premium includes all applicable insurance premium tax (IPT). Dear Mr Gail Shaw . Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on Sun 27 March, 2022 . Good news; if you want cover to continue with us and to make sure you stay protected by our award-winning cover, you do not need to do anything. We will update your policy onto our latest wording and continue to collect payment using the payment details we have for you. You must read the important information contained in this email and the attached documents Your Hiscox Insurance Premium breakdown The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). The amount shown as last year’s Annual premium will take into account any changes to the cover which may have been made during the last policy period. Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) Professional indemnity £6,795.28 £6,795.28 Legal protection £5,411.65 £5,411.65 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 Elliott 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 Sun 27 March, 2022 . We’re here between 8:30am - 5:30pm Monday to Friday . Please note that we can only discuss policy changes with people named on the policy. Why renew with Hiscox - Reassuring: we offer a range of cover options that can be tailored to your needs - Flexible: we offer full flexibility to change your policy, with no administration fees - Award-winning cover : we’ve been named Best Small Business Insurer 7 years running by Start Your Business Magazine Please click this link for the Hiscox Referral Portal: https://refer.aklamio.com/hiscox/uk?source=postpurchase Thank you again for choosing Hiscox to insure your business. We hope you and your business have a very successful year. Kind regards Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on Sun 27 March, 2022 . Good news; if you want cover to continue with us and to make sure you stay protected by our award-winning cover, you do not need to do anything. We will update your policy onto our latest wording and continue to collect payment using the payment details we have for you. You must read the important information contained in this email and the attached documents Your Hiscox Insurance Premium breakdown The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). The amount shown as last year’s Annual premium will take into account any changes to the cover which may have been made during the last policy period. Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) Professional indemnity £6,795.28 £6,795.28 Legal protection £5,411.65 £5,411.65 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 Elliott 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 Sun 27 March, 2022 . We’re here between 8:30am - 5:30pm Monday to Friday . Please note that we can only discuss policy changes with people named on the policy. Why renew with Hiscox - Reassuring: we offer a range of cover options that can be tailored to your needs - Flexible: we offer full flexibility to change your policy, with no administration fees - Award-winning cover : we’ve been named Best Small Business Insurer 7 years running by Start Your Business Magazine Please click this link for the Hiscox Referral Portal: https://refer.aklamio.com/hiscox/uk?source=postpurchase Thank you again for choosing Hiscox to insure your business. We hope you and your business have a very successful year. Kind regards Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Your Hiscox Insurance Premium breakdown The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). Cover Professional indemnity Legal protection Crisis containment . Last year’s annual premium (exc IPT) £6,795.28 £5,411.65 £0.00 . This year’s annual Premium (exc IPT) £6,795.28 £5,411.65 . Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) . Professional indemnity £6,795.28 £6,795.28 . Legal protection £5,411.65 £5,411.65 . 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: Gail Shaw Frequency of collection: Annual Sort code: %BANK_SORT_CODE_1% Account number: %BANK_ACCOUNT_NUMBER_1% Your Direct Debit schedule We will take payments on the dates outlined below: Date Amount Fri 12 February, 2021 £840.46 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: A1ZAFMMGWKZ 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 Elliott 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:A1ZAFMMGWKZ Name of policy holder:Elliott LLC Period of insurance: From Sun 27 March, 2022 to 2024-09-22 both days inclusive. This policy isa Continuing cover policy Insurer: Hiscox Insurance Company Limited Retroactive date: Sun 17 May, 2020 Level of cover:£1,000,000 Signed on behalf of Hiscox Underwriting Limited as agent for the insurers Jon Dye CEO, Hiscox UK Notes: (a) This insurance is subject to policy terms and conditions and any special terms notified to the InsuredPage / 1 Hiscox Business Insurance Policy Schedule 14502 10/18 This schedule tells you what is insured with us. It should be read carefully with your policy wording(s) and statement of fact detailed elsewhere in this document. Schedule effective date: Sun 27 March, 2022 Insurance details Policy number: A1ZAFMMGWKZ Period of insurance: From Sun 27 March, 2022 to 2024-09-22 both days inclusive. This policy isa Continuing cover policy. Insured: Elliott LLC Address: Studio 03 Stephanie bridge Leahfort FARNHAM E8 8QQ Additional insureds: None Business: Management Consultants Premium details Charged premium – the total amount you’ll pay for this policy. Charged premium: £5,840.48 Insurance Premium Tax (IPT): £8,221.38 Total charged premium: £840.46 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: £5,840.48 Insurance Premium Tax (IPT): £8,221.38 Annual total: £840.46 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 £6,795.28 Legal protection £100,000 £0 £5,411.65 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: Sun 27 March, 2022 Limit of indemnity £1,000,000 Limit applies to in the aggregate, including all costs Excess £1,000 Excess applies to each and every claim or loss, including all costs Geographical limits Worldwide Applicable courts Worldwide (excluding United States of America and Canada) Claims brought in USA or Canada Not covered Additional covers (in addition to overall limit of indemnity stated above) Cover Limit of indemnity Limit applies to Court attendance compensation - employees £250 per person, per day Court attendance compensation - directors and partners£500 per person, per day Court attendance compensation: in total £100,000 in the aggregate Special limits (included within not in addition to the overall limit of indemnity stated above) Cover Limit of indemnity Limit applies to Personal data claims £250,000 in the aggregate, including all costs Business activities Business managementPage / 2 consultant Retroactive date Sun 17 May, 2020 Insurer Hiscox Insurance Company LimitedPage / 1 Hiscox Insurance Summary of change Introduction This document has been created to help you understand the key changes to your Hiscox Insurance policy and how they may impact you. Your policy continues to offer professional, tailored insurance to protect you and give you peace of mind that if you need us, you will be supported by our award winning claims team. If you have a query not covered by this document, or if you have any questions or concerns about your policy you should contact us. Frequently asked questions What if my circumstances change during the period of insurance? If your circumstances change during the period of insurance, you only need to let us know if the change means that any of the information in the Statement of Fact is no longer true, complete and accurate. If there are no such changes, you do not need to let us know. If any of the information within the Statement of Fact becomes no longer complete, true or accurate at any point during the period of insurance you must tell us as it may affect the validity of the policy or our ability to pay a claim. Additionally, if your contact details change then you should let us know straightaway. Where doI find the limits that apply to my policy? You can find your maximum allowable limits for turnover and wage rollin your Statement of Fact. You must check this information and tell us or your broker if you expect to exceed the maximum amounts shown. Please note these values may have changed. If there are special limits or special excesses applying to particular covers or types of losses these will be shown in the policy schedule. Please check your policy schedule carefully as they may have changed. My new schedule shows a different premium to last year? What has changed? If an underwriter has reviewed your policy then they may have manually adjusted your premium, for example if you’ve had claims in the last 12 months. Where doI find out about any endorsements on my policy? You will be able to see if an endorsement has been applied or removed by reviewing your Policy Schedule. If you have any queries or concerns, please contact us or your broker if you have one. Hiscox Insurance Summary of change Professional indemnity for business management consultants Summary of change Changes to the cover The following table shows the differences between our new policy wordings (5570 WD- PROF-UK-MAN(7), 15579 WD-PROF-UK-MAN-AG(3)) and our previous wordings (5570 WD-PROF-UK-MAN(6), 15579 WD-PROF-UK-MAN-AG(2)). This isa summary of the changes only. You should refer to the schedule and policy wording for the full description of the cover in place. Area of cover Previous policy New policy Improvement in cover Claims against you Advertising claims. We will pay claims arising from your advertising or branding for defamation or infringement of copyright or moral rights. This does not include claims for passing off, unauthorised use of trademarks or false or misleading advertising. Previously cover was not restricted to defamation or the infringement of copyright or moral rights.Covered Amended Your own lossesChanges to ‘what is covered’ Losses from dishonesty. Your losses arising from the dishonesty of your employees, sub-contractors or outsourcers.Covered Not covered Area of cover Previous policy New policy Improvement in cover Cyber incident. We will not pay claims relating to an actual or possible cyber attack, hacker or social engineering communication. Previously we excluded any virus not specifically targeted at your system.Covered Not covered Computer or digital technology error. We will not pay claims arising from any negligent act, error or omission in the operation or maintenance of computer or digital technology such as development, installation, patching or upgrading.Covered Not coveredChanges to ‘what is not covered’ Infrastructure. We will not pay claims arising from the failure of the service provided by internet, telecommunications, utilities or other infrastructure providers.Covered Not covered Hiscox Insurance Summary of change Personal data. We will not pay claims relating to personal data. We will pay such claims where they arise from your performance ofa business activity and which is not otherwise excluded. Subject to the limit shown in the schedule.Covered Not covered Other important changes Control of defence. Under the previous wording we had a duty to defend you against any covered claim brought against you. We now have the right but not the obligation to take control of the conduct of the claim including the appointment of legal representation. Please refer to the policy wording for full details. SOC-PROF-UK-MAN(1) 21367 01/21
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Sun 27 March, 2022
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2024-02-05
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Hiscox Business Insurance - Policy number - TUIU_VK Company name: Clark, Welch and Price It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : TUIU_VK. Company name: Clark, Welch and Price. Your Hiscox Insurance premium. Last year’s annual premium: This year’s annual premium. £ 5,948.40. £ 5,948.40. The premium includes all applicable insurance premium tax (IPT). Dear Mr Gary Wallace. Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on Friday 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. £8,038.08. £8,038.08. Legal protection. £6,126.19. £6,126.19. Crisis containment. £0.00. Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy . Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government increase in Insurance Premium Tax as shown. Is our information correct? Your premium and cover are based on what you’ve told us about Clark, Welch and Price , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay. . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover. Policy summary for each cover. ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover . As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, 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 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 : TUIU_VK Company name: Clark, Welch and Price . It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : TUIU_VK Company name: Clark, Welch and Price . Your Hiscox Insurance premium Last year’s annual premium: This year’s annual premium The premium includes all applicable insurance premium tax (IPT). £ 5,948.40 £ 5,948.40 . Your Hiscox Insurance premium . Last year’s annual premium: This year’s annual premium £ 5,948.40 £ 5,948.40 . The premium includes all applicable insurance premium tax (IPT). Dear Mr Gary Wallace . Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on Friday 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 £8,038.08 £8,038.08 Legal protection £6,126.19 £6,126.19 Crisis containment £0.00 Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government increase in Insurance Premium Tax as shown. Is our information correct? Your premium and cover are based on what you’ve told us about Clark, Welch and Price , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover Policy summary for each cover ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, 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 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 Friday 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 £8,038.08 £8,038.08 Legal protection £6,126.19 £6,126.19 Crisis containment £0.00 Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government increase in Insurance Premium Tax as shown. Is our information correct? Your premium and cover are based on what you’ve told us about Clark, Welch and Price , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover Policy summary for each cover ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, 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 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) £8,038.08 £6,126.19 £0.00 . This year’s annual Premium (exc IPT) £8,038.08 £6,126.19 . Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) . Professional indemnity £8,038.08 £8,038.08 . Legal protection £6,126.19 £6,126.19 . 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 Wallace 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 23 September, 2021 £5,948.40 Where your chosen collection date falls ona non-working day then we will endeavour to collect the next working day. For your information, the collections will be made using the following reference number: Originator Identification Number: 293461 Reference Number: TUIU_VK 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 Clark, Welch and Price Hiscox Underwriting 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:TUIU_VK Name of policy holder:Clark, Welch and Price Period of insurance: From Friday 20 September, 2024 to Tuesday 29 September, 2020 both days inclusive. This policy isa Continuing cover policy Insurer: Hiscox Insurance Company Limited Retroactive date: Fri 12 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: Friday 20 September, 2024 Insurance details Policy number: TUIU_VK Period of insurance: From Friday 20 September, 2024 to Tuesday 29 September, 2020 both days inclusive. This policy isa Continuing cover policy. Insured: Clark, Welch and Price Address: 3 Fisher valleys New Catherineside FARNHAM W9D 2RZ Additional insureds: None Business: Management Consultants Premium details Charged premium – the total amount you’ll pay for this policy. Charged premium: £4,672.28 Insurance Premium Tax (IPT): £9,239.76 Total charged premium: £5,948.40 Annualised premium – the annual premium for this policy. This is given for comparison purposes. Please refer to the charged premium section for the amount you’ll pay for the policy. Annual premium: £4,672.28 Insurance Premium Tax (IPT): £9,239.76 Annual total: £5,948.40 Please note that there will be no refund or additional premium for any transaction which is less than £20 (excluding IPT). Hiscox Business Insurance Policy Schedule 14502 10/18 Summary Claims information If you need to make a claim: - For claims relating to your building or contents please contact our claims team on 0800 247 1902, 9.00am – 5:30pm Monday to Friday. If you wish to make a claim online, you can log most claims quickly and easily through our claims notification portal at https://claims.hiscox.co.uk/. Outside of normal business hours, if you require emergency assistance in relation to substantial damage to your property, you can speak to our 24-hour emergency assistance team using the telephone number above. Your policy schedule will state if property cover is included in your policy. Our out-of-hours emergency assistance team operate ona pay-and-claim basis and you will need to have credit card details available as appropriate. The team will then be able to direct you to essential tradesmen, emergency loss adjusters or disaster management companies in the event of substantial damage. - If there isa claim (or potential claim) against you bya third party, please email us at liability.claims@hiscox.com. If you need to speak to a member of the claims team urgently, please call our team on 0800 711 7156, 9.00am – 5:30pm Monday to Friday. If you wish to make a claim online, you can log most claims quickly and easily through our claims notification portal at https://claims.hiscox.co.uk/. You will need to provide your full name and contact details, the name of your business or organisation, your address and postcode, the policy reference and circumstances of the claim. The Important information and contact details section below contains additional information specific to the covers applicable to your policy. If you are unsure of who to contact please call our team on 0800 711 7156, 9.00am – 5:30pm Monday to Friday. They will ensure you get through to the correct claims team and let you know what actions you need to take. If anything happens that might be covered under the policy, you must comply with the obligations set out in General claims conditions, together with the obligations set out under Your obligations in the section or sections under which you are making the claim. Itis important that you read the policy for details of its terms in full. Your covers This isa summary of each section of your policy. See each section for cover details. Cover Insurance amount Excess Annual Premium (exc IPT) Professional indemnity £1,000,000 £1,000 £8,038.08 Legal protection £100,000 £0 £6,126.19 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 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 Fri 12 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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TUIU_VK
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(?<=Policy number - )[-\w_\/\.]+?(?= Company name)
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Friday 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 - 33U0AG9F3NP Company name: Taylor-Dawson It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : 33U0AG9F3NP. Company name: Taylor-Dawson. Your Hiscox Insurance premium. Last year’s annual premium: This year’s annual premium. £ 5,080.70. £ 5,080.70. The premium includes all applicable insurance premium tax (IPT). Dear Dr Elliot Saunders-Hill. Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on Sunday 02 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. £2,478.34. £2,478.34. Legal protection. £3,269.73. £3,269.73. 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 Taylor-Dawson , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay. . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover. Policy summary for each cover. ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover . As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before Sunday 02 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 : 33U0AG9F3NP Company name: Taylor-Dawson . It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : 33U0AG9F3NP Company name: Taylor-Dawson . Your Hiscox Insurance premium Last year’s annual premium: This year’s annual premium The premium includes all applicable insurance premium tax (IPT). £ 5,080.70 £ 5,080.70 . Your Hiscox Insurance premium . Last year’s annual premium: This year’s annual premium £ 5,080.70 £ 5,080.70 . The premium includes all applicable insurance premium tax (IPT). Dear Dr Elliot Saunders-Hill . Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on Sunday 02 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 £2,478.34 £2,478.34 Legal protection £3,269.73 £3,269.73 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 Taylor-Dawson , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover Policy summary for each cover ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before Sunday 02 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 Sunday 02 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 £2,478.34 £2,478.34 Legal protection £3,269.73 £3,269.73 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 Taylor-Dawson , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover Policy summary for each cover ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before Sunday 02 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) £2,478.34 £3,269.73 £0.00 . This year’s annual Premium (exc IPT) £2,478.34 £3,269.73 . Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) . Professional indemnity £2,478.34 £2,478.34 . Legal protection £3,269.73 £3,269.73 . 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: Elliot Saunders-Hill 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 04/07/2022 £5,080.70 Where your chosen collection date falls ona non-working day then we will endeavour to collect the next working day. For your information, the collections will be made using the following reference number: Originator Identification Number: 293461 Reference Number: 33U0AG9F3NP If you have any questions about your policy or payments, please call us on 0800 280 0351. We’re here between 8:30am - 5:30pm Monday to Friday or you can email us at service@hiscox.co.uk. Using your personal information Hiscox isa trading name ofa number of Hiscox companies. The specific company acting asa data controller of your personal information will be listed in the documentation we provide to you. If you are unsure you can also contact us at anytime by telephoning 01904 681198 or by emailing us at dataprotectionofficer@hiscox.com. We collect and process information about you in order to provide insurance policies and to process claims. Your information is also used for business purposes such as fraud prevention and detection and financial management. This may involve sharing your information with, and obtaining information about you from, our group companies and third parties such as brokers, loss adjusters, credit reference agencies, service providers, professional advisors, our regulators or fraud prevention agencies. We may record telephone calls to help us monitor and improve the service we provide. For further information on how your information is used and your rights in relation to your information please see our privacy policy at www.hiscox.co.uk/cookies-privacy. The Direct Debit Guarantee This Guarantee is offered by all banks and building societies that accept instructions to pay Direct Debits. If there are any changes to the amount, date or frequency of your Direct Debit Hiscox Underwriting Ltd will notify you ten working days in advance of your account being debited or as otherwise agreed. If you request Hiscox Underwriting Ltd to collect a payment, confirmation of the amount and date will be given to you at the time of the request. If an error is made in the payment of your Direct Debit by Hiscox Underwriting Ltd or your bank or building society you are entitled to a full and immediate refund of the amount paid from your bank or building society. – If you receive a refund you are not entitled to, you must pay it back when Hiscox Underwriting Ltd asks you to. You can cancel a Direct Debit at anytime by simply contacting your bank or building society. Written confirmation maybe required. Please also notify us. Page / 1 Hiscox Business Insurance Policy summary JAC-PSC-UK-DC556(5.4) 17431b 07/20 Your Hiscox Business Insurance policy summaries This document contains the summaries for any policy covers you have selected to protect your business. These summaries outline the key information about your policies so you can be confident that you have understood what you have bought and what you are covered for. However, you should carefully read your policy in full and ensure that you understand its terms and conditions in full. If you have any queries, you should contact Hiscox or your insurance advisor. Your side of the bargain Remember, your premium and insurance are based on the details you have provided to us. Please make sure this information accurately reflects your business and that you inform us immediately if anything needs to change. Please also tell us of any changes in circumstances that may affect the services provided by us or the cover provided by your policy. This is particularly important before taking out a policy, but it also applies throughout the life of the policy too. You need to consider: ■if you fail to fairly present the risk to us, including by failing to disclose any information material to the insurance, you could invalidate the policy, claims may not be paid or the amount we pay maybe reduced; ■you should read and check all insurance documents to ensure that you are aware of the cover, limits and other terms that apply; ■if you fail to let us know of any changes to your circumstances during the period of insurance or, if when telling us about such changes you fail to present the risk to us fairly, you could invalidate the policy, claims may not be paid or the amount we pay maybe reduced; ■please be aware of all terms and conditions of your policy because failure to comply with them could invalidate it or result in us not paying a claim or reducing the amount we pay; ■in the event ofa claim, you should take note of the required procedures, such as giving Hiscox prompt notice of the claims, as stated in the policy documentation. In particular, if you fail to notify us when you first become aware ofa shortcoming, fact, or problem, admit you are liable for what has happened or appoint solicitors or other legal representation without our prior written approval, claims or defence costs may not be paid or the amount we pay maybe reduced; ■as with any insurance, you have an obligation to take reasonable steps to mitigate any loss or liability; ■if you make a fraudulent claim or try to deceive us, we may terminate the policy. Policy length The period of insurance is shown on your policy schedule. Your policy schedule will also show if the policy is ona continuing cover basis. If itis ona continuing cover basis, we will renew your policy each year for another 12 months and continue to take payment (including any premium adjustment shown in your renewal invitation) using your existing arrangement, unless you tell us otherwise or if your risk changes. If your policy schedule does not show that the policy is ona continuing cover basis, cover will cease at the end of the period of insurance, unless you renew your policy with us. We will provide you witha statement of fact each year and provided that the information contained within the statement of fact is true, complete and accurate, you do not need to provide us with any further information. If any of the information in your statement of fact is not true, complete and accurate, you must let us know. If you do not let us know, it may affect the validity of the policy or our ability to pay a claim. Retroactive dates, geographical and jurisdiction limits Where any section of your policy schedule includes a retroactive date, we will not make any payment for any claim or loss under that section which arises from any activity performed or any act, incident or occurrence taking place, before the retroactive date. Where any section of your policy schedule shows the geographical limits which apply to that section of the policy, we will only pay for claims and losses under that section which arise from activities performed or acts, incidents or occurrences taking place within those geographical limits. Where any section provides cover in respect of your liability to third parties, we will only cover claims first made ina country within the applicable courts stated in that section of your policy schedule. Hiscox Business Insurance Policy summary JAC-PSC-UK-DC556(5.4) 17431b 07/20 Cancellation rights You can cancel this policy by giving us 30 days' notice. You will only be charged for the premiums due up to the date of cancellation. If we need to cancel the policy, we’ll give you 30 days’ notice in writing and refund any surplus premiums you might have paid. Please note – we may deduct an administration fee from any refunded payment.There is an exception to our 30-day notice period, which is triggered when we don’t receive your Direct Debit payments within the agreed 14-day period. At this point, we will contact you as soon as possible and stop the policyPage / 2 immediately. Underwritten by:Hiscox Underwriting Ltd on behalf of the insurers named in the schedule. Page / 1 Certificate of professional indemnity insurance Taylor-Dawson Hiscox Underwriting Ltd of 1 Great St. Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Certificate of professional indemnity Insurance Policy number:33U0AG9F3NP Name of policy holder:Taylor-Dawson Period of insurance: From Sunday 02 October, 2022 to Thursday 28 November, 2019 both days inclusive. This policy isa Continuing cover policy Insurer: Hiscox Insurance Company Limited Retroactive date: Tuesday 10 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: Sunday 02 October, 2022 Insurance details Policy number: 33U0AG9F3NP Period of insurance: From Sunday 02 October, 2022 to Thursday 28 November, 2019 both days inclusive. This policy isa Continuing cover policy. Insured: Taylor-Dawson Address: 630 Jay hollow Wallacebury FARNHAM B67 6BJ Additional insureds: None Business: Management Consultants Premium details Charged premium – the total amount you’ll pay for this policy. Charged premium: £5,203.72 Insurance Premium Tax (IPT): £3,124.71 Total charged premium: £5,080.70 Annualised premium – the annual premium for this policy. This is given for comparison purposes. Please refer to the charged premium section for the amount you’ll pay for the policy. Annual premium: £5,203.72 Insurance Premium Tax (IPT): £3,124.71 Annual total: £5,080.70 Please note that there will be no refund or additional premium for any transaction which is less than £20 (excluding IPT). Hiscox Business Insurance Policy Schedule 14502 10/18 Summary Claims information If you need to make a claim: - For claims relating to your building or contents please contact our claims team on 0800 247 1902, 9.00am – 5:30pm Monday to Friday. If you wish to make a claim online, you can log most claims quickly and easily through our claims notification portal at https://claims.hiscox.co.uk/. Outside of normal business hours, if you require emergency assistance in relation to substantial damage to your property, you can speak to our 24-hour emergency assistance team using the telephone number above. Your policy schedule will state if property cover is included in your policy. Our out-of-hours emergency assistance team operate ona pay-and-claim basis and you will need to have credit card details available as appropriate. The team will then be able to direct you to essential tradesmen, emergency loss adjusters or disaster management companies in the event of substantial damage. - If there isa claim (or potential claim) against you bya third party, please email us at liability.claims@hiscox.com. If you need to speak to a member of the claims team urgently, please call our team on 0800 711 7156, 9.00am – 5:30pm Monday to Friday. If you wish to make a claim online, you can log most claims quickly and easily through our claims notification portal at https://claims.hiscox.co.uk/. You will need to provide your full name and contact details, the name of your business or organisation, your address and postcode, the policy reference and circumstances of the claim. The Important information and contact details section below contains additional information specific to the covers applicable to your policy. If you are unsure of who to contact please call our team on 0800 711 7156, 9.00am – 5:30pm Monday to Friday. They will ensure you get through to the correct claims team and let you know what actions you need to take. If anything happens that might be covered under the policy, you must comply with the obligations set out in General claims conditions, together with the obligations set out under Your obligations in the section or sections under which you are making the claim. Itis important that you read the policy for details of its terms in full. Your covers This isa summary of each section of your policy. See each section for cover details. Cover Insurance amount Excess Annual Premium (exc IPT) Professional indemnity £1,000,000 £1,000 £2,478.34 Legal protection £100,000 £0 £3,269.73 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: Sunday 02 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 Tuesday 10 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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33U0AG9F3NP
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(?<=Policy number - )[-\w_\/\.]+?(?= Company name)
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Sunday 02 October, 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 - IVT/ZPFM/ZPE Company name: Oliver Inc It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : IVT/ZPFM/ZPE. Company name: Oliver Inc. Your Hiscox Insurance premium. Last year’s annual premium: This year’s annual premium. £ 4,079.84. £ 4,079.84. The premium includes all applicable insurance premium tax (IPT). Dear Mr Nigel Willis. Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 02 September, 2024 . Good news; if you want cover to continue with us and to make sure you stay protected by our award-winning cover, you do not need to do anything. We will update your policy onto our latest wording and continue to collect payment using the payment details we have for you. You must read the important information contained in this email and the attached documents. Your Hiscox Insurance Premium breakdown. The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). The amount shown as last year’s Annual premium will take into account any changes to the cover which may have been made during the last policy period. Cover. Last year’s annual premium (exc IPT). This year’s annual Premium (exc IPT). Professional indemnity. £9,178.42. £9,178.42. Legal protection. £5,364.46. £5,364.46. 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 Oliver 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 02 September, 2024 . We’re here between 8:30am - 5:30pm Monday to Friday . Please note that we can only discuss policy changes with people named on the policy. Why renew with Hiscox. - Reassuring: we offer a range of cover options that can be tailored to your needs. - Flexible: we offer full flexibility to change your policy, with no administration fees . - Award-winning cover : we’ve been named Best Small Business Insurer 7 years running by Start Your Business Magazine . Please click this link for the Hiscox Referral Portal: https://refer.aklamio.com/hiscox/uk?source=postpurchase. Thank you again for choosing Hiscox to insure your business. We hope you and your business have a very successful year. Kind regards. Jon Dye. CEO, Hiscox UK. Business Insurance for the small and the brave. To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre. Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. This email and any files transmitted with it are confidential and intended solely for the use of the individual or entity to whom they are addressed. No one else is authorised to distribute, forward, print, copy or act upon any information contained in this email. If you have received this email in error, please notify the sender. Hiscox Syndicates Limited and Hiscox Insurance Company Limited are authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Hiscox Underwriting Limited, Hiscox Underwriting Services Ltd, Hiscox MGA Ltd and Hiscox ASM Ltd are authorised and regulated by the Financial Conduct Authority. Hiscox Assure SAS is duly registered as an insurance broker with the ORIAS, which is the French Official Registry of Insurance Intermediaries. Hiscox plc is a company registered in England and Wales under company registration number 2837811 and registered office at 1 Great St Helen's, London EC3A 6HX. Hiscox SA is a company registered in Luxembourg at 35 Avenue John F. Kennedy 35F, Luxembourg L-1855, and is authorised by the Commissariat aux Assurances de Luxembourg. It’s time to renew your Hiscox Business Insurance Hiscox Insurance policy number : IVT/ZPFM/ZPE Company name: Oliver Inc . It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : IVT/ZPFM/ZPE Company name: Oliver Inc . Your Hiscox Insurance premium Last year’s annual premium: This year’s annual premium The premium includes all applicable insurance premium tax (IPT). £ 4,079.84 £ 4,079.84 . Your Hiscox Insurance premium . Last year’s annual premium: This year’s annual premium £ 4,079.84 £ 4,079.84 . The premium includes all applicable insurance premium tax (IPT). Dear Mr Nigel Willis . Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 02 September, 2024 . Good news; if you want cover to continue with us and to make sure you stay protected by our award-winning cover, you do not need to do anything. We will update your policy onto our latest wording and continue to collect payment using the payment details we have for you. You must read the important information contained in this email and the attached documents Your Hiscox Insurance Premium breakdown The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). The amount shown as last year’s Annual premium will take into account any changes to the cover which may have been made during the last policy period. Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) Professional indemnity £9,178.42 £9,178.42 Legal protection £5,364.46 £5,364.46 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 Oliver 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 02 September, 2024 . We’re here between 8:30am - 5:30pm Monday to Friday . Please note that we can only discuss policy changes with people named on the policy. Why renew with Hiscox - Reassuring: we offer a range of cover options that can be tailored to your needs - Flexible: we offer full flexibility to change your policy, with no administration fees - Award-winning cover : we’ve been named Best Small Business Insurer 7 years running by Start Your Business Magazine Please click this link for the Hiscox Referral Portal: https://refer.aklamio.com/hiscox/uk?source=postpurchase Thank you again for choosing Hiscox to insure your business. We hope you and your business have a very successful year. Kind regards Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 02 September, 2024 . Good news; if you want cover to continue with us and to make sure you stay protected by our award-winning cover, you do not need to do anything. We will update your policy onto our latest wording and continue to collect payment using the payment details we have for you. You must read the important information contained in this email and the attached documents Your Hiscox Insurance Premium breakdown The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). The amount shown as last year’s Annual premium will take into account any changes to the cover which may have been made during the last policy period. Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) Professional indemnity £9,178.42 £9,178.42 Legal protection £5,364.46 £5,364.46 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 Oliver 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 02 September, 2024 . We’re here between 8:30am - 5:30pm Monday to Friday . Please note that we can only discuss policy changes with people named on the policy. Why renew with Hiscox - Reassuring: we offer a range of cover options that can be tailored to your needs - Flexible: we offer full flexibility to change your policy, with no administration fees - Award-winning cover : we’ve been named Best Small Business Insurer 7 years running by Start Your Business Magazine Please click this link for the Hiscox Referral Portal: https://refer.aklamio.com/hiscox/uk?source=postpurchase Thank you again for choosing Hiscox to insure your business. We hope you and your business have a very successful year. Kind regards Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Your Hiscox Insurance Premium breakdown The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). Cover Professional indemnity Legal protection Crisis containment . Last year’s annual premium (exc IPT) £9,178.42 £5,364.46 £0.00 . This year’s annual Premium (exc IPT) £9,178.42 £5,364.46 . Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) . Professional indemnity £9,178.42 £9,178.42 . Legal protection £5,364.46 £5,364.46 . 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: Nigel Willis 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 2020-01-18 £4,079.84 Where your chosen collection date falls ona non-working day then we will endeavour to collect the next working day. For your information, the collections will be made using the following reference number: Originator Identification Number: 293461 Reference Number: IVT/ZPFM/ZPE 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 Oliver 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:IVT/ZPFM/ZPE Name of policy holder:Oliver Inc Period of insurance: From 02 September, 2024 to Mon 13 April, 2020 both days inclusive. This policy isa Continuing cover policy Insurer: Hiscox Insurance Company Limited Retroactive date: 15/06/22 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: 02 September, 2024 Insurance details Policy number: IVT/ZPFM/ZPE Period of insurance: From 02 September, 2024 to Mon 13 April, 2020 both days inclusive. This policy isa Continuing cover policy. Insured: Oliver Inc Address: 4 Jenna coves Dianeborough FARNHAM BD4 2NA Additional insureds: None Business: Management Consultants Premium details Charged premium – the total amount you’ll pay for this policy. Charged premium: £4,858.98 Insurance Premium Tax (IPT): £86.82 Total charged premium: £4,079.84 Annualised premium – the annual premium for this policy. This is given for comparison purposes. Please refer to the charged premium section for the amount you’ll pay for the policy. Annual premium: £4,858.98 Insurance Premium Tax (IPT): £86.82 Annual total: £4,079.84 Please note that there will be no refund or additional premium for any transaction which is less than £20 (excluding IPT). Hiscox Business Insurance Policy Schedule 14502 10/18 Summary Claims information If you need to make a claim: - For claims relating to your building or contents please contact our claims team on 0800 247 1902, 9.00am – 5:30pm Monday to Friday. If you wish to make a claim online, you can log most claims quickly and easily through our claims notification portal at https://claims.hiscox.co.uk/. Outside of normal business hours, if you require emergency assistance in relation to substantial damage to your property, you can speak to our 24-hour emergency assistance team using the telephone number above. Your policy schedule will state if property cover is included in your policy. Our out-of-hours emergency assistance team operate ona pay-and-claim basis and you will need to have credit card details available as appropriate. The team will then be able to direct you to essential tradesmen, emergency loss adjusters or disaster management companies in the event of substantial damage. - If there isa claim (or potential claim) against you bya third party, please email us at liability.claims@hiscox.com. If you need to speak to a member of the claims team urgently, please call our team on 0800 711 7156, 9.00am – 5:30pm Monday to Friday. If you wish to make a claim online, you can log most claims quickly and easily through our claims notification portal at https://claims.hiscox.co.uk/. You will need to provide your full name and contact details, the name of your business or organisation, your address and postcode, the policy reference and circumstances of the claim. The Important information and contact details section below contains additional information specific to the covers applicable to your policy. If you are unsure of who to contact please call our team on 0800 711 7156, 9.00am – 5:30pm Monday to Friday. They will ensure you get through to the correct claims team and let you know what actions you need to take. If anything happens that might be covered under the policy, you must comply with the obligations set out in General claims conditions, together with the obligations set out under Your obligations in the section or sections under which you are making the claim. Itis important that you read the policy for details of its terms in full. Your covers This isa summary of each section of your policy. See each section for cover details. Cover Insurance amount Excess Annual Premium (exc IPT) Professional indemnity £1,000,000 £1,000 £9,178.42 Legal protection £100,000 £0 £5,364.46 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: 02 September, 2024 Limit of indemnity £1,000,000 Limit applies to in the aggregate, including all costs Excess £1,000 Excess applies to each and every claim or loss, including all costs Geographical limits Worldwide Applicable courts Worldwide (excluding United States of America and Canada) Claims brought in USA or Canada Not covered Additional covers (in addition to overall limit of indemnity stated above) Cover Limit of indemnity Limit applies to Court attendance compensation - employees £250 per person, per day Court attendance compensation - directors and partners£500 per person, per day Court attendance compensation: in total £100,000 in the aggregate Special limits (included within not in addition to the overall limit of indemnity stated above) Cover Limit of indemnity Limit applies to Personal data claims £250,000 in the aggregate, including all costs Business activities Business managementPage / 2 consultant Retroactive date 15/06/22 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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IVT/ZPFM/ZPE
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(?<=Policy number - )[-\w_\/\.]+?(?= Company name)
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02 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 - hfxusd/xt-rd Company name: Wright, Wood and Taylor It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : hfxusd/xt-rd. Company name: Wright, Wood and Taylor. Your Hiscox Insurance premium. Last year’s annual premium: This year’s annual premium. £ 3,708.85. £ 3,708.85. The premium includes all applicable insurance premium tax (IPT). Dear Miss Leigh Ryan. Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 21 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. £5,301.71. £5,301.71. Legal protection. £6,170.88. £6,170.88. 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 Wright, Wood 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 21 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 : hfxusd/xt-rd Company name: Wright, Wood and Taylor . It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : hfxusd/xt-rd Company name: Wright, Wood 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). £ 3,708.85 £ 3,708.85 . Your Hiscox Insurance premium . Last year’s annual premium: This year’s annual premium £ 3,708.85 £ 3,708.85 . The premium includes all applicable insurance premium tax (IPT). Dear Miss Leigh Ryan . Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 21 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 £5,301.71 £5,301.71 Legal protection £6,170.88 £6,170.88 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 Wright, Wood 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 21 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 21 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 £5,301.71 £5,301.71 Legal protection £6,170.88 £6,170.88 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 Wright, Wood 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 21 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) £5,301.71 £6,170.88 £0.00 . This year’s annual Premium (exc IPT) £5,301.71 £6,170.88 . Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) . Professional indemnity £5,301.71 £5,301.71 . Legal protection £6,170.88 £6,170.88 . 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: Leigh Ryan 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 May, 2020 £3,708.85 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: hfxusd/xt-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 Wright, Wood 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:hfxusd/xt-rd Name of policy holder:Wright, Wood and Taylor Period of insurance: From 21 July, 2024 to 14 February, 2024 both days inclusive. This policy isa Continuing cover policy Insurer: Hiscox Insurance Company Limited Retroactive date: Tue 05 August, 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: 21 July, 2024 Insurance details Policy number: hfxusd/xt-rd Period of insurance: From 21 July, 2024 to 14 February, 2024 both days inclusive. This policy isa Continuing cover policy. Insured: Wright, Wood and Taylor Address: 5 Day vista West Bethanfort FARNHAM G7D 5PT Additional insureds: None Business: Management Consultants Premium details Charged premium – the total amount you’ll pay for this policy. Charged premium: £4,881.53 Insurance Premium Tax (IPT): £1,991.32 Total charged premium: £3,708.85 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: £4,881.53 Insurance Premium Tax (IPT): £1,991.32 Annual total: £3,708.85 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 £5,301.71 Legal protection £100,000 £0 £6,170.88 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: 21 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 Tue 05 August, 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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hfxusd/xt-rd
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(?<=Policy number - )[-\w_\/\.]+?(?= Company name)
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21 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 - byrayqojuwrogvbhoxczx Company name: Roberts Inc It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : byrayqojuwrogvbhoxczx. Company name: Roberts Inc. Your Hiscox Insurance premium. Last year’s annual premium: This year’s annual premium. £ 9,596.01. £ 9,596.01. The premium includes all applicable insurance premium tax (IPT). Dear Dr Eileen Brookes. Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on Thu 10 November, 2022 . Good news; if you want cover to continue with us and to make sure you stay protected by our award-winning cover, you do not need to do anything. We will update your policy onto our latest wording and continue to collect payment using the payment details we have for you. You must read the important information contained in this email and the attached documents. Your Hiscox Insurance Premium breakdown. The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). The amount shown as last year’s Annual premium will take into account any changes to the cover which may have been made during the last policy period. Cover. Last year’s annual premium (exc IPT). This year’s annual Premium (exc IPT). Professional indemnity. £3,244.73. £3,244.73. Legal protection. £2,946.86. £2,946.86. Crisis containment. £0.00. Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy . Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government 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 Thu 10 November, 2022 . We’re here between 8:30am - 5:30pm Monday to Friday . Please note that we can only discuss policy changes with people named on the policy. Why renew with Hiscox. - Reassuring: we offer a range of cover options that can be tailored to your needs. - Flexible: we offer full flexibility to change your policy, with no administration fees . - Award-winning cover : we’ve been named Best Small Business Insurer 7 years running by Start Your Business Magazine . Please click this link for the Hiscox Referral Portal: https://refer.aklamio.com/hiscox/uk?source=postpurchase. Thank you again for choosing Hiscox to insure your business. We hope you and your business have a very successful year. Kind regards. Jon Dye. CEO, Hiscox UK. Business Insurance for the small and the brave. To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre. Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. This email and any files transmitted with it are confidential and intended solely for the use of the individual or entity to whom they are addressed. No one else is authorised to distribute, forward, print, copy or act upon any information contained in this email. If you have received this email in error, please notify the sender. Hiscox Syndicates Limited and Hiscox Insurance Company Limited are authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Hiscox Underwriting Limited, Hiscox Underwriting Services Ltd, Hiscox MGA Ltd and Hiscox ASM Ltd are authorised and regulated by the Financial Conduct Authority. Hiscox Assure SAS is duly registered as an insurance broker with the ORIAS, which is the French Official Registry of Insurance Intermediaries. Hiscox plc is a company registered in England and Wales under company registration number 2837811 and registered office at 1 Great St Helen's, London EC3A 6HX. Hiscox SA is a company registered in Luxembourg at 35 Avenue John F. Kennedy 35F, Luxembourg L-1855, and is authorised by the Commissariat aux Assurances de Luxembourg. It’s time to renew your Hiscox Business Insurance Hiscox Insurance policy number : byrayqojuwrogvbhoxczx Company name: Roberts Inc . It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : byrayqojuwrogvbhoxczx 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). £ 9,596.01 £ 9,596.01 . Your Hiscox Insurance premium . Last year’s annual premium: This year’s annual premium £ 9,596.01 £ 9,596.01 . The premium includes all applicable insurance premium tax (IPT). Dear Dr Eileen Brookes . Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on Thu 10 November, 2022 . Good news; if you want cover to continue with us and to make sure you stay protected by our award-winning cover, you do not need to do anything. We will update your policy onto our latest wording and continue to collect payment using the payment details we have for you. You must read the important information contained in this email and the attached documents Your Hiscox Insurance Premium breakdown The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). The amount shown as last year’s Annual premium will take into account any changes to the cover which may have been made during the last policy period. Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) Professional indemnity £3,244.73 £3,244.73 Legal protection £2,946.86 £2,946.86 Crisis containment £0.00 Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government 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 Thu 10 November, 2022 . We’re here between 8:30am - 5:30pm Monday to Friday . Please note that we can only discuss policy changes with people named on the policy. Why renew with Hiscox - Reassuring: we offer a range of cover options that can be tailored to your needs - Flexible: we offer full flexibility to change your policy, with no administration fees - Award-winning cover : we’ve been named Best Small Business Insurer 7 years running by Start Your Business Magazine Please click this link for the Hiscox Referral Portal: https://refer.aklamio.com/hiscox/uk?source=postpurchase Thank you again for choosing Hiscox to insure your business. We hope you and your business have a very successful year. Kind regards Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on Thu 10 November, 2022 . Good news; if you want cover to continue with us and to make sure you stay protected by our award-winning cover, you do not need to do anything. We will update your policy onto our latest wording and continue to collect payment using the payment details we have for you. You must read the important information contained in this email and the attached documents Your Hiscox Insurance Premium breakdown The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). The amount shown as last year’s Annual premium will take into account any changes to the cover which may have been made during the last policy period. Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) Professional indemnity £3,244.73 £3,244.73 Legal protection £2,946.86 £2,946.86 Crisis containment £0.00 Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government 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 Thu 10 November, 2022 . We’re here between 8:30am - 5:30pm Monday to Friday . Please note that we can only discuss policy changes with people named on the policy. Why renew with Hiscox - Reassuring: we offer a range of cover options that can be tailored to your needs - Flexible: we offer full flexibility to change your policy, with no administration fees - Award-winning cover : we’ve been named Best Small Business Insurer 7 years running by Start Your Business Magazine Please click this link for the Hiscox Referral Portal: https://refer.aklamio.com/hiscox/uk?source=postpurchase Thank you again for choosing Hiscox to insure your business. We hope you and your business have a very successful year. Kind regards Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Your Hiscox Insurance Premium breakdown The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). Cover Professional indemnity Legal protection Crisis containment . Last year’s annual premium (exc IPT) £3,244.73 £2,946.86 £0.00 . This year’s annual Premium (exc IPT) £3,244.73 £2,946.86 . Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) . Professional indemnity £3,244.73 £3,244.73 . Legal protection £2,946.86 £2,946.86 . 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: Eileen Brookes Frequency of collection: Annual Sort code: %BANK_SORT_CODE_1% Account number: %BANK_ACCOUNT_NUMBER_1% Your Direct Debit schedule We will take payments on the dates outlined below: Date Amount 18/12/21 £9,596.01 Where your chosen collection date falls ona non-working day then we will endeavour to collect the next working day. For your information, the collections will be made using the following reference number: Originator Identification Number: 293461 Reference Number: byrayqojuwrogvbhoxczx 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:byrayqojuwrogvbhoxczx Name of policy holder:Roberts Inc Period of insurance: From Thu 10 November, 2022 to Saturday 11 October, 2025 both days inclusive. This policy isa Continuing cover policy Insurer: Hiscox Insurance Company Limited Retroactive date: 11/03/23 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: Thu 10 November, 2022 Insurance details Policy number: byrayqojuwrogvbhoxczx Period of insurance: From Thu 10 November, 2022 to Saturday 11 October, 2025 both days inclusive. This policy isa Continuing cover policy. Insured: Roberts Inc Address: Studio 40I Long neck Jenkinsbury FARNHAM RH5W 8QL Additional insureds: None Business: Management Consultants Premium details Charged premium – the total amount you’ll pay for this policy. Charged premium: £1,085.74 Insurance Premium Tax (IPT): £7,171.41 Total charged premium: £9,596.01 Annualised premium – the annual premium for this policy. This is given for comparison purposes. Please refer to the charged premium section for the amount you’ll pay for the policy. Annual premium: £1,085.74 Insurance Premium Tax (IPT): £7,171.41 Annual total: £9,596.01 Please note that there will be no refund or additional premium for any transaction which is less than £20 (excluding IPT). Hiscox Business Insurance Policy Schedule 14502 10/18 Summary Claims information If you need to make a claim: - For claims relating to your building or contents please contact our claims team on 0800 247 1902, 9.00am – 5:30pm Monday to Friday. If you wish to make a claim online, you can log most claims quickly and easily through our claims notification portal at https://claims.hiscox.co.uk/. Outside of normal business hours, if you require emergency assistance in relation to substantial damage to your property, you can speak to our 24-hour emergency assistance team using the telephone number above. Your policy schedule will state if property cover is included in your policy. Our out-of-hours emergency assistance team operate ona pay-and-claim basis and you will need to have credit card details available as appropriate. The team will then be able to direct you to essential tradesmen, emergency loss adjusters or disaster management companies in the event of substantial damage. - If there isa claim (or potential claim) against you bya third party, please email us at liability.claims@hiscox.com. If you need to speak to a member of the claims team urgently, please call our team on 0800 711 7156, 9.00am – 5:30pm Monday to Friday. If you wish to make a claim online, you can log most claims quickly and easily through our claims notification portal at https://claims.hiscox.co.uk/. You will need to provide your full name and contact details, the name of your business or organisation, your address and postcode, the policy reference and circumstances of the claim. The Important information and contact details section below contains additional information specific to the covers applicable to your policy. If you are unsure of who to contact please call our team on 0800 711 7156, 9.00am – 5:30pm Monday to Friday. They will ensure you get through to the correct claims team and let you know what actions you need to take. If anything happens that might be covered under the policy, you must comply with the obligations set out in General claims conditions, together with the obligations set out under Your obligations in the section or sections under which you are making the claim. Itis important that you read the policy for details of its terms in full. Your covers This isa summary of each section of your policy. See each section for cover details. Cover Insurance amount Excess Annual Premium (exc IPT) Professional indemnity £1,000,000 £1,000 £3,244.73 Legal protection £100,000 £0 £2,946.86 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 November, 2022 Limit of indemnity £1,000,000 Limit applies to in the aggregate, including all costs Excess £1,000 Excess applies to each and every claim or loss, including all costs Geographical limits Worldwide Applicable courts Worldwide (excluding United States of America and Canada) Claims brought in USA or Canada Not covered Additional covers (in addition to overall limit of indemnity stated above) Cover Limit of indemnity Limit applies to Court attendance compensation - employees £250 per person, per day Court attendance compensation - directors and partners£500 per person, per day Court attendance compensation: in total £100,000 in the aggregate Special limits (included within not in addition to the overall limit of indemnity stated above) Cover Limit of indemnity Limit applies to Personal data claims £250,000 in the aggregate, including all costs Business activities Business managementPage / 2 consultant Retroactive date 11/03/23 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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Hiscox Business Insurance - Policy number - 4ETPWAMXLYV68CEHX3B1DY Company name: Richards, Williams and Blake It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : 4ETPWAMXLYV68CEHX3B1DY. Company name: Richards, Williams and Blake. Your Hiscox Insurance premium. Last year’s annual premium: This year’s annual premium. £ 1,219.16. £ 1,219.16. The premium includes all applicable insurance premium tax (IPT). Dear Mrs Wayne Connor. Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 11/02/21 . 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. £9,779.04. £9,779.04. Legal protection. £5,550.17. £5,550.17. 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 Richards, Williams and Blake , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay. . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover. Policy summary for each cover. ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover . As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before 11/02/21 . 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 : 4ETPWAMXLYV68CEHX3B1DY Company name: Richards, Williams and Blake . It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : 4ETPWAMXLYV68CEHX3B1DY Company name: Richards, Williams and Blake . Your Hiscox Insurance premium Last year’s annual premium: This year’s annual premium The premium includes all applicable insurance premium tax (IPT). £ 1,219.16 £ 1,219.16 . Your Hiscox Insurance premium . Last year’s annual premium: This year’s annual premium £ 1,219.16 £ 1,219.16 . The premium includes all applicable insurance premium tax (IPT). Dear Mrs Wayne Connor . Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 11/02/21 . 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 £9,779.04 £9,779.04 Legal protection £5,550.17 £5,550.17 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 Richards, Williams and Blake , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover Policy summary for each cover ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before 11/02/21 . 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 11/02/21 . 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 £9,779.04 £9,779.04 Legal protection £5,550.17 £5,550.17 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 Richards, Williams and Blake , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover Policy summary for each cover ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before 11/02/21 . 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) £9,779.04 £5,550.17 £0.00 . This year’s annual Premium (exc IPT) £9,779.04 £5,550.17 . Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) . Professional indemnity £9,779.04 £9,779.04 . Legal protection £5,550.17 £5,550.17 . 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: Wayne Connor Frequency of collection: Annual Sort code: %BANK_SORT_CODE_1% Account number: %BANK_ACCOUNT_NUMBER_1% Your Direct Debit schedule We will take payments on the dates outlined below: Date Amount 24/10/25 £1,219.16 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: 4ETPWAMXLYV68CEHX3B1DY 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 Richards, Williams and Blake Hiscox Underwriting 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:4ETPWAMXLYV68CEHX3B1DY Name of policy holder:Richards, Williams and Blake Period of insurance: From 11/02/21 to 26/12/21 both days inclusive. This policy isa Continuing cover policy Insurer: Hiscox Insurance Company Limited Retroactive date: Saturday 15 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: 11/02/21 Insurance details Policy number: 4ETPWAMXLYV68CEHX3B1DY Period of insurance: From 11/02/21 to 26/12/21 both days inclusive. This policy isa Continuing cover policy. Insured: Richards, Williams and Blake Address: Studio 87E Joan wells South Howard FARNHAM S61 9XZ Additional insureds: None Business: Management Consultants Premium details Charged premium – the total amount you’ll pay for this policy. Charged premium: £9,287.91 Insurance Premium Tax (IPT): £6,185.99 Total charged premium: £1,219.16 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: £9,287.91 Insurance Premium Tax (IPT): £6,185.99 Annual total: £1,219.16 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 £9,779.04 Legal protection £100,000 £0 £5,550.17 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: 11/02/21 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 Saturday 15 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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4ETPWAMXLYV68CEHX3B1DY
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(?<=Policy number - )[-\w_\/\.]+?(?= Company name)
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11/02/21
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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 - 91V/L-IEC Company name: Storey-Jones It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : 91V/L-IEC. Company name: Storey-Jones. Your Hiscox Insurance premium. Last year’s annual premium: This year’s annual premium. £ 9,474.15. £ 9,474.15. The premium includes all applicable insurance premium tax (IPT). Dear Ms Jean Walker. Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on Wednesday 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. £9,698.63. £9,698.63. Legal protection. £367.16. £367.16. 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 Storey-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 Wednesday 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 : 91V/L-IEC Company name: Storey-Jones . It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : 91V/L-IEC Company name: Storey-Jones . Your Hiscox Insurance premium Last year’s annual premium: This year’s annual premium The premium includes all applicable insurance premium tax (IPT). £ 9,474.15 £ 9,474.15 . Your Hiscox Insurance premium . Last year’s annual premium: This year’s annual premium £ 9,474.15 £ 9,474.15 . The premium includes all applicable insurance premium tax (IPT). Dear Ms Jean Walker . Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on Wednesday 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 £9,698.63 £9,698.63 Legal protection £367.16 £367.16 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 Storey-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 Wednesday 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 Wednesday 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 £9,698.63 £9,698.63 Legal protection £367.16 £367.16 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 Storey-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 Wednesday 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) £9,698.63 £367.16 £0.00 . This year’s annual Premium (exc IPT) £9,698.63 £367.16 . Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) . Professional indemnity £9,698.63 £9,698.63 . Legal protection £367.16 £367.16 . 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: Jean Walker 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 February, 2025 £9,474.15 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: 91V/L-IEC 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 Storey-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:91V/L-IEC Name of policy holder:Storey-Jones Period of insurance: From Wednesday 31 December, 2025 to 16/01/23 both days inclusive. This policy isa Continuing cover policy Insurer: Hiscox Insurance Company Limited Retroactive date: 2024-07-24 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: Wednesday 31 December, 2025 Insurance details Policy number: 91V/L-IEC Period of insurance: From Wednesday 31 December, 2025 to 16/01/23 both days inclusive. This policy isa Continuing cover policy. Insured: Storey-Jones Address: Flat 48Z Hughes land Wilsonside FARNHAM G7 0RF Additional insureds: None Business: Management Consultants Premium details Charged premium – the total amount you’ll pay for this policy. Charged premium: £5,457.47 Insurance Premium Tax (IPT): £3,733.73 Total charged premium: £9,474.15 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: £5,457.47 Insurance Premium Tax (IPT): £3,733.73 Annual total: £9,474.15 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 £9,698.63 Legal protection £100,000 £0 £367.16 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: Wednesday 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 2024-07-24 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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91V/L-IEC
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(?<=Policy number - )[-\w_\/\.]+?(?= Company name)
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Wednesday 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 - 7EF_84K Company name: Kent-Wilkinson It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : 7EF_84K. Company name: Kent-Wilkinson. Your Hiscox Insurance premium. Last year’s annual premium: This year’s annual premium. £ 5,676.60. £ 5,676.60. The premium includes all applicable insurance premium tax (IPT). Dear Mr Caroline McDonald-Poole. Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on Tue 19 December, 2023 . Good news; if you want cover to continue with us and to make sure you stay protected by our award-winning cover, you do not need to do anything. We will update your policy onto our latest wording and continue to collect payment using the payment details we have for you. You must read the important information contained in this email and the attached documents. Your Hiscox Insurance Premium breakdown. The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). The amount shown as last year’s Annual premium will take into account any changes to the cover which may have been made during the last policy period. Cover. Last year’s annual premium (exc IPT). This year’s annual Premium (exc IPT). Professional indemnity. £2,442.30. £2,442.30. Legal protection. £5,584.28. £5,584.28. 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 Kent-Wilkinson , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay. . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover. Policy summary for each cover. ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover . As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, 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 19 December, 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 : 7EF_84K Company name: Kent-Wilkinson . It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : 7EF_84K Company name: Kent-Wilkinson . Your Hiscox Insurance premium Last year’s annual premium: This year’s annual premium The premium includes all applicable insurance premium tax (IPT). £ 5,676.60 £ 5,676.60 . Your Hiscox Insurance premium . Last year’s annual premium: This year’s annual premium £ 5,676.60 £ 5,676.60 . The premium includes all applicable insurance premium tax (IPT). Dear Mr Caroline McDonald-Poole . Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on Tue 19 December, 2023 . Good news; if you want cover to continue with us and to make sure you stay protected by our award-winning cover, you do not need to do anything. We will update your policy onto our latest wording and continue to collect payment using the payment details we have for you. You must read the important information contained in this email and the attached documents Your Hiscox Insurance Premium breakdown The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). The amount shown as last year’s Annual premium will take into account any changes to the cover which may have been made during the last policy period. Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) Professional indemnity £2,442.30 £2,442.30 Legal protection £5,584.28 £5,584.28 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 Kent-Wilkinson , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover Policy summary for each cover ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, 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 19 December, 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 19 December, 2023 . Good news; if you want cover to continue with us and to make sure you stay protected by our award-winning cover, you do not need to do anything. We will update your policy onto our latest wording and continue to collect payment using the payment details we have for you. You must read the important information contained in this email and the attached documents Your Hiscox Insurance Premium breakdown The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). The amount shown as last year’s Annual premium will take into account any changes to the cover which may have been made during the last policy period. Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) Professional indemnity £2,442.30 £2,442.30 Legal protection £5,584.28 £5,584.28 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 Kent-Wilkinson , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover Policy summary for each cover ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, 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 19 December, 2023 . We’re here between 8:30am - 5:30pm Monday to Friday . Please note that we can only discuss policy changes with people named on the policy. Why renew with Hiscox - Reassuring: we offer a range of cover options that can be tailored to your needs - Flexible: we offer full flexibility to change your policy, with no administration fees - Award-winning cover : we’ve been named Best Small Business Insurer 7 years running by Start Your Business Magazine Please click this link for the Hiscox Referral Portal: https://refer.aklamio.com/hiscox/uk?source=postpurchase Thank you again for choosing Hiscox to insure your business. We hope you and your business have a very successful year. Kind regards Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Your Hiscox Insurance Premium breakdown The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). Cover Professional indemnity Legal protection Crisis containment . Last year’s annual premium (exc IPT) £2,442.30 £5,584.28 £0.00 . This year’s annual Premium (exc IPT) £2,442.30 £5,584.28 . Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) . Professional indemnity £2,442.30 £2,442.30 . Legal protection £5,584.28 £5,584.28 . 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: Caroline McDonald-Poole 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 07/07/2021 £5,676.60 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: 7EF_84K 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 Kent-Wilkinson Hiscox Underwriting 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:7EF_84K Name of policy holder:Kent-Wilkinson Period of insurance: From Tue 19 December, 2023 to 2024-04-20 both days inclusive. This policy isa Continuing cover policy Insurer: Hiscox Insurance Company Limited Retroactive date: 2022-01-22 Level of cover:£1,000,000 Signed on behalf of Hiscox Underwriting Limited as agent for the insurers Jon Dye CEO, Hiscox UK Notes: (a) This insurance is subject to policy terms and conditions and any special terms notified to the InsuredPage / 1 Hiscox Business Insurance Policy Schedule 14502 10/18 This schedule tells you what is insured with us. It should be read carefully with your policy wording(s) and statement of fact detailed elsewhere in this document. Schedule effective date: Tue 19 December, 2023 Insurance details Policy number: 7EF_84K Period of insurance: From Tue 19 December, 2023 to 2024-04-20 both days inclusive. This policy isa Continuing cover policy. Insured: Kent-Wilkinson Address: 607 Suzanne canyon Terryport FARNHAM WC7W 2QN Additional insureds: None Business: Management Consultants Premium details Charged premium – the total amount you’ll pay for this policy. Charged premium: £8,179.21 Insurance Premium Tax (IPT): £647.91 Total charged premium: £5,676.60 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: £8,179.21 Insurance Premium Tax (IPT): £647.91 Annual total: £5,676.60 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 £2,442.30 Legal protection £100,000 £0 £5,584.28 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: Tue 19 December, 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 2022-01-22 Insurer Hiscox Insurance Company LimitedPage / 1 Hiscox Insurance Summary of change Introduction This document has been created to help you understand the key changes to your Hiscox Insurance policy and how they may impact you. Your policy continues to offer professional, tailored insurance to protect you and give you peace of mind that if you need us, you will be supported by our award winning claims team. If you have a query not covered by this document, or if you have any questions or concerns about your policy you should contact us. Frequently asked questions What if my circumstances change during the period of insurance? If your circumstances change during the period of insurance, you only need to let us know if the change means that any of the information in the Statement of Fact is no longer true, complete and accurate. If there are no such changes, you do not need to let us know. If any of the information within the Statement of Fact becomes no longer complete, true or accurate at any point during the period of insurance you must tell us as it may affect the validity of the policy or our ability to pay a claim. Additionally, if your contact details change then you should let us know straightaway. Where doI find the limits that apply to my policy? You can find your maximum allowable limits for turnover and wage rollin your Statement of Fact. You must check this information and tell us or your broker if you expect to exceed the maximum amounts shown. Please note these values may have changed. If there are special limits or special excesses applying to particular covers or types of losses these will be shown in the policy schedule. Please check your policy schedule carefully as they may have changed. My new schedule shows a different premium to last year? What has changed? If an underwriter has reviewed your policy then they may have manually adjusted your premium, for example if you’ve had claims in the last 12 months. Where doI find out about any endorsements on my policy? You will be able to see if an endorsement has been applied or removed by reviewing your Policy Schedule. If you have any queries or concerns, please contact us or your broker if you have one. Hiscox Insurance Summary of change Professional indemnity for business management consultants Summary of change Changes to the cover The following table shows the differences between our new policy wordings (5570 WD- PROF-UK-MAN(7), 15579 WD-PROF-UK-MAN-AG(3)) and our previous wordings (5570 WD-PROF-UK-MAN(6), 15579 WD-PROF-UK-MAN-AG(2)). This isa summary of the changes only. You should refer to the schedule and policy wording for the full description of the cover in place. Area of cover Previous policy New policy Improvement in cover Claims against you Advertising claims. We will pay claims arising from your advertising or branding for defamation or infringement of copyright or moral rights. This does not include claims for passing off, unauthorised use of trademarks or false or misleading advertising. Previously cover was not restricted to defamation or the infringement of copyright or moral rights.Covered Amended Your own lossesChanges to ‘what is covered’ Losses from dishonesty. Your losses arising from the dishonesty of your employees, sub-contractors or outsourcers.Covered Not covered Area of cover Previous policy New policy Improvement in cover Cyber incident. We will not pay claims relating to an actual or possible cyber attack, hacker or social engineering communication. Previously we excluded any virus not specifically targeted at your system.Covered Not covered Computer or digital technology error. We will not pay claims arising from any negligent act, error or omission in the operation or maintenance of computer or digital technology such as development, installation, patching or upgrading.Covered Not coveredChanges to ‘what is not covered’ Infrastructure. We will not pay claims arising from the failure of the service provided by internet, telecommunications, utilities or other infrastructure providers.Covered Not covered Hiscox Insurance Summary of change Personal data. We will not pay claims relating to personal data. We will pay such claims where they arise from your performance ofa business activity and which is not otherwise excluded. Subject to the limit shown in the schedule.Covered Not covered Other important changes Control of defence. Under the previous wording we had a duty to defend you against any covered claim brought against you. We now have the right but not the obligation to take control of the conduct of the claim including the appointment of legal representation. Please refer to the policy wording for full details. SOC-PROF-UK-MAN(1) 21367 01/21
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7EF_84K
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(?<=Policy number - )[-\w_\/\.]+?(?= Company name)
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Tue 19 December, 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 - MZ7UALQMC.70 Company name: Charlton LLC It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : MZ7UALQMC.70. Company name: Charlton LLC. Your Hiscox Insurance premium. Last year’s annual premium: This year’s annual premium. £ 5,980.38. £ 5,980.38. The premium includes all applicable insurance premium tax (IPT). Dear Mrs Mohammad Thomas. Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 2022-07-07 . 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. £7,981.62. £7,981.62. Legal protection. £5,833.14. £5,833.14. 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 Charlton 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 2022-07-07 . 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 : MZ7UALQMC.70 Company name: Charlton LLC . It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : MZ7UALQMC.70 Company name: Charlton LLC . Your Hiscox Insurance premium Last year’s annual premium: This year’s annual premium The premium includes all applicable insurance premium tax (IPT). £ 5,980.38 £ 5,980.38 . Your Hiscox Insurance premium . Last year’s annual premium: This year’s annual premium £ 5,980.38 £ 5,980.38 . The premium includes all applicable insurance premium tax (IPT). Dear Mrs Mohammad Thomas . Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 2022-07-07 . 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 £7,981.62 £7,981.62 Legal protection £5,833.14 £5,833.14 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 Charlton 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 2022-07-07 . 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 2022-07-07 . 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 £7,981.62 £7,981.62 Legal protection £5,833.14 £5,833.14 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 Charlton 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 2022-07-07 . 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) £7,981.62 £5,833.14 £0.00 . This year’s annual Premium (exc IPT) £7,981.62 £5,833.14 . Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) . Professional indemnity £7,981.62 £7,981.62 . Legal protection £5,833.14 £5,833.14 . 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: Mohammad 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 31 December, 2020 £5,980.38 Where your chosen collection date falls ona non-working day then we will endeavour to collect the next working day. For your information, the collections will be made using the following reference number: Originator Identification Number: 293461 Reference Number: MZ7UALQMC.70 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 Charlton 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:MZ7UALQMC.70 Name of policy holder:Charlton LLC Period of insurance: From 2022-07-07 to 2019-11-20 both days inclusive. This policy isa Continuing cover policy Insurer: Hiscox Insurance Company Limited Retroactive date: 13/07/2021 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: 2022-07-07 Insurance details Policy number: MZ7UALQMC.70 Period of insurance: From 2022-07-07 to 2019-11-20 both days inclusive. This policy isa Continuing cover policy. Insured: Charlton LLC Address: 9 Kyle gateway South Patrickborough FARNHAM PO06 0EU Additional insureds: None Business: Management Consultants Premium details Charged premium – the total amount you’ll pay for this policy. Charged premium: £978.85 Insurance Premium Tax (IPT): £5,334.45 Total charged premium: £5,980.38 Annualised premium – the annual premium for this policy. This is given for comparison purposes. Please refer to the charged premium section for the amount you’ll pay for the policy. Annual premium: £978.85 Insurance Premium Tax (IPT): £5,334.45 Annual total: £5,980.38 Please note that there will be no refund or additional premium for any transaction which is less than £20 (excluding IPT). Hiscox Business Insurance Policy Schedule 14502 10/18 Summary Claims information If you need to make a claim: - For claims relating to your building or contents please contact our claims team on 0800 247 1902, 9.00am – 5:30pm Monday to Friday. If you wish to make a claim online, you can log most claims quickly and easily through our claims notification portal at https://claims.hiscox.co.uk/. Outside of normal business hours, if you require emergency assistance in relation to substantial damage to your property, you can speak to our 24-hour emergency assistance team using the telephone number above. Your policy schedule will state if property cover is included in your policy. Our out-of-hours emergency assistance team operate ona pay-and-claim basis and you will need to have credit card details available as appropriate. The team will then be able to direct you to essential tradesmen, emergency loss adjusters or disaster management companies in the event of substantial damage. - If there isa claim (or potential claim) against you bya third party, please email us at liability.claims@hiscox.com. If you need to speak to a member of the claims team urgently, please call our team on 0800 711 7156, 9.00am – 5:30pm Monday to Friday. If you wish to make a claim online, you can log most claims quickly and easily through our claims notification portal at https://claims.hiscox.co.uk/. You will need to provide your full name and contact details, the name of your business or organisation, your address and postcode, the policy reference and circumstances of the claim. The Important information and contact details section below contains additional information specific to the covers applicable to your policy. If you are unsure of who to contact please call our team on 0800 711 7156, 9.00am – 5:30pm Monday to Friday. They will ensure you get through to the correct claims team and let you know what actions you need to take. If anything happens that might be covered under the policy, you must comply with the obligations set out in General claims conditions, together with the obligations set out under Your obligations in the section or sections under which you are making the claim. Itis important that you read the policy for details of its terms in full. Your covers This isa summary of each section of your policy. See each section for cover details. Cover Insurance amount Excess Annual Premium (exc IPT) Professional indemnity £1,000,000 £1,000 £7,981.62 Legal protection £100,000 £0 £5,833.14 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: 2022-07-07 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 13/07/2021 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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2022-07-07
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Hiscox Business Insurance - Policy number - mnfsnpx_jap Company name: O'Brien LLC It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : mnfsnpx_jap. Company name: O'Brien LLC. Your Hiscox Insurance premium. Last year’s annual premium: This year’s annual premium. £ 8,674.70. £ 8,674.70. The premium includes all applicable insurance premium tax (IPT). Dear Ms Benjamin Kemp. Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 13/06/2019 . Good news; if you want cover to continue with us and to make sure you stay protected by our award-winning cover, you do not need to do anything. We will update your policy onto our latest wording and continue to collect payment using the payment details we have for you. You must read the important information contained in this email and the attached documents. Your Hiscox Insurance Premium breakdown. The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). The amount shown as last year’s Annual premium will take into account any changes to the cover which may have been made during the last policy period. Cover. Last year’s annual premium (exc IPT). This year’s annual Premium (exc IPT). Professional indemnity. £5,117.24. £5,117.24. Legal protection. £7,942.91. £7,942.91. Crisis containment. £0.00. Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy . Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government increase in Insurance Premium Tax as shown. Is our information correct? Your premium and cover are based on what you’ve told us about O'Brien 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 13/06/2019 . We’re here between 8:30am - 5:30pm Monday to Friday . Please note that we can only discuss policy changes with people named on the policy. Why renew with Hiscox. - Reassuring: we offer a range of cover options that can be tailored to your needs. - Flexible: we offer full flexibility to change your policy, with no administration fees . - Award-winning cover : we’ve been named Best Small Business Insurer 7 years running by Start Your Business Magazine . Please click this link for the Hiscox Referral Portal: https://refer.aklamio.com/hiscox/uk?source=postpurchase. Thank you again for choosing Hiscox to insure your business. We hope you and your business have a very successful year. Kind regards. Jon Dye. CEO, Hiscox UK. Business Insurance for the small and the brave. To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre. Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. This email and any files transmitted with it are confidential and intended solely for the use of the individual or entity to whom they are addressed. No one else is authorised to distribute, forward, print, copy or act upon any information contained in this email. If you have received this email in error, please notify the sender. Hiscox Syndicates Limited and Hiscox Insurance Company Limited are authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Hiscox Underwriting Limited, Hiscox Underwriting Services Ltd, Hiscox MGA Ltd and Hiscox ASM Ltd are authorised and regulated by the Financial Conduct Authority. Hiscox Assure SAS is duly registered as an insurance broker with the ORIAS, which is the French Official Registry of Insurance Intermediaries. Hiscox plc is a company registered in England and Wales under company registration number 2837811 and registered office at 1 Great St Helen's, London EC3A 6HX. Hiscox SA is a company registered in Luxembourg at 35 Avenue John F. Kennedy 35F, Luxembourg L-1855, and is authorised by the Commissariat aux Assurances de Luxembourg. It’s time to renew your Hiscox Business Insurance Hiscox Insurance policy number : mnfsnpx_jap Company name: O'Brien LLC . It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : mnfsnpx_jap Company name: O'Brien LLC . Your Hiscox Insurance premium Last year’s annual premium: This year’s annual premium The premium includes all applicable insurance premium tax (IPT). £ 8,674.70 £ 8,674.70 . Your Hiscox Insurance premium . Last year’s annual premium: This year’s annual premium £ 8,674.70 £ 8,674.70 . The premium includes all applicable insurance premium tax (IPT). Dear Ms Benjamin Kemp . Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 13/06/2019 . Good news; if you want cover to continue with us and to make sure you stay protected by our award-winning cover, you do not need to do anything. We will update your policy onto our latest wording and continue to collect payment using the payment details we have for you. You must read the important information contained in this email and the attached documents Your Hiscox Insurance Premium breakdown The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). The amount shown as last year’s Annual premium will take into account any changes to the cover which may have been made during the last policy period. Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) Professional indemnity £5,117.24 £5,117.24 Legal protection £7,942.91 £7,942.91 Crisis containment £0.00 Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government increase in Insurance Premium Tax as shown. Is our information correct? Your premium and cover are based on what you’ve told us about O'Brien 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 13/06/2019 . We’re here between 8:30am - 5:30pm Monday to Friday . Please note that we can only discuss policy changes with people named on the policy. Why renew with Hiscox - Reassuring: we offer a range of cover options that can be tailored to your needs - Flexible: we offer full flexibility to change your policy, with no administration fees - Award-winning cover : we’ve been named Best Small Business Insurer 7 years running by Start Your Business Magazine Please click this link for the Hiscox Referral Portal: https://refer.aklamio.com/hiscox/uk?source=postpurchase Thank you again for choosing Hiscox to insure your business. We hope you and your business have a very successful year. Kind regards Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 13/06/2019 . Good news; if you want cover to continue with us and to make sure you stay protected by our award-winning cover, you do not need to do anything. We will update your policy onto our latest wording and continue to collect payment using the payment details we have for you. You must read the important information contained in this email and the attached documents Your Hiscox Insurance Premium breakdown The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). The amount shown as last year’s Annual premium will take into account any changes to the cover which may have been made during the last policy period. Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) Professional indemnity £5,117.24 £5,117.24 Legal protection £7,942.91 £7,942.91 Crisis containment £0.00 Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government increase in Insurance Premium Tax as shown. Is our information correct? Your premium and cover are based on what you’ve told us about O'Brien 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 13/06/2019 . We’re here between 8:30am - 5:30pm Monday to Friday . Please note that we can only discuss policy changes with people named on the policy. Why renew with Hiscox - Reassuring: we offer a range of cover options that can be tailored to your needs - Flexible: we offer full flexibility to change your policy, with no administration fees - Award-winning cover : we’ve been named Best Small Business Insurer 7 years running by Start Your Business Magazine Please click this link for the Hiscox Referral Portal: https://refer.aklamio.com/hiscox/uk?source=postpurchase Thank you again for choosing Hiscox to insure your business. We hope you and your business have a very successful year. Kind regards Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Your Hiscox Insurance Premium breakdown The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). Cover Professional indemnity Legal protection Crisis containment . Last year’s annual premium (exc IPT) £5,117.24 £7,942.91 £0.00 . This year’s annual Premium (exc IPT) £5,117.24 £7,942.91 . Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) . Professional indemnity £5,117.24 £5,117.24 . Legal protection £7,942.91 £7,942.91 . Crisis containment £0.00 . Kind regards Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre . Kind regards . Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave . To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre . Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Page / 1 Hiscox Business Insurance Policy wording 17431a - DC565 WORDING 04/17Guide to sectionsIntroduction Policy wordings General terms and conditions Professional indemnity for business management consultants Legal protection Crisis containment Hiscox Business Insurance Policy wording 17431a - DC565 WORDING 04/17IntroductionThank you for choosing Hiscox to protect your business. We hope that the language and layout of this policy wording are clear because we want you to understand the insurance we provide as well as the responsibilities we have to each other. Please read this document, including the policy schedule, policy summary and statement of fact, and let us know as soon as possible if any of the details are shown incorrectly. We always try to deliver to the highest standards of service. Your views are important to us, so if you feel that our service is below the standard you would expect from Hiscox, please contact us on the phone number shown in your policy schedule. Please note that some of the words we use in this insurance are shown in bold type. These words are defined in each section of the wording. Page / 1 Hiscox Insurance Payment schedule Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Thank you for continuing to pay for your policy by Direct Debit. Please check these details and let us know if anything is incorrect or if the schedule is not suitable. Your reference details Account holder name: Benjamin Kemp 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 2021-03-14 £8,674.70 Where your chosen collection date falls ona non-working day then we will endeavour to collect the next working day. For your information, the collections will be made using the following reference number: Originator Identification Number: 293461 Reference Number: mnfsnpx_jap 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'Brien 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:mnfsnpx_jap Name of policy holder:O'Brien LLC Period of insurance: From 13/06/2019 to Fri 04 September, 2020 both days inclusive. This policy isa Continuing cover policy Insurer: Hiscox Insurance Company Limited Retroactive date: 2020-02-11 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: 13/06/2019 Insurance details Policy number: mnfsnpx_jap Period of insurance: From 13/06/2019 to Fri 04 September, 2020 both days inclusive. This policy isa Continuing cover policy. Insured: O'Brien LLC Address: Studio 82 Leah dale West Martinburgh FARNHAM KT9N 8WX Additional insureds: None Business: Management Consultants Premium details Charged premium – the total amount you’ll pay for this policy. Charged premium: £2,755.44 Insurance Premium Tax (IPT): £840.49 Total charged premium: £8,674.70 Annualised premium – the annual premium for this policy. This is given for comparison purposes. Please refer to the charged premium section for the amount you’ll pay for the policy. Annual premium: £2,755.44 Insurance Premium Tax (IPT): £840.49 Annual total: £8,674.70 Please note that there will be no refund or additional premium for any transaction which is less than £20 (excluding IPT). Hiscox Business Insurance Policy Schedule 14502 10/18 Summary Claims information If you need to make a claim: - For claims relating to your building or contents please contact our claims team on 0800 247 1902, 9.00am – 5:30pm Monday to Friday. If you wish to make a claim online, you can log most claims quickly and easily through our claims notification portal at https://claims.hiscox.co.uk/. Outside of normal business hours, if you require emergency assistance in relation to substantial damage to your property, you can speak to our 24-hour emergency assistance team using the telephone number above. Your policy schedule will state if property cover is included in your policy. Our out-of-hours emergency assistance team operate ona pay-and-claim basis and you will need to have credit card details available as appropriate. The team will then be able to direct you to essential tradesmen, emergency loss adjusters or disaster management companies in the event of substantial damage. - If there isa claim (or potential claim) against you bya third party, please email us at liability.claims@hiscox.com. If you need to speak to a member of the claims team urgently, please call our team on 0800 711 7156, 9.00am – 5:30pm Monday to Friday. If you wish to make a claim online, you can log most claims quickly and easily through our claims notification portal at https://claims.hiscox.co.uk/. You will need to provide your full name and contact details, the name of your business or organisation, your address and postcode, the policy reference and circumstances of the claim. The Important information and contact details section below contains additional information specific to the covers applicable to your policy. If you are unsure of who to contact please call our team on 0800 711 7156, 9.00am – 5:30pm Monday to Friday. They will ensure you get through to the correct claims team and let you know what actions you need to take. If anything happens that might be covered under the policy, you must comply with the obligations set out in General claims conditions, together with the obligations set out under Your obligations in the section or sections under which you are making the claim. Itis important that you read the policy for details of its terms in full. Your covers This isa summary of each section of your policy. See each section for cover details. Cover Insurance amount Excess Annual Premium (exc IPT) Professional indemnity £1,000,000 £1,000 £5,117.24 Legal protection £100,000 £0 £7,942.91 Crisis containment £25,000 - £0.00 The figures above are in summary only and are not in addition to the amount insured specified against each cover section below. Hiscox Business Insurance Policy Schedule 14502 10/18 SECTION: PROFESSIONAL INDEMNITY – MANAGEMENT CONSULTANTS Cover start date: 13/06/2019 Limit of indemnity £1,000,000 Limit applies to in the aggregate, including all costs Excess £1,000 Excess applies to each and every claim or loss, including all costs Geographical limits Worldwide Applicable courts Worldwide (excluding United States of America and Canada) Claims brought in USA or Canada Not covered Additional covers (in addition to overall limit of indemnity stated above) Cover Limit of indemnity Limit applies to Court attendance compensation - employees £250 per person, per day Court attendance compensation - directors and partners£500 per person, per day Court attendance compensation: in total £100,000 in the aggregate Special limits (included within not in addition to the overall limit of indemnity stated above) Cover Limit of indemnity Limit applies to Personal data claims £250,000 in the aggregate, including all costs Business activities Business managementPage / 2 consultant Retroactive date 2020-02-11 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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mnfsnpx_jap
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13/06/2019
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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 - 1ST7BX1KQ0/-A.8-3G Company name: Brown PLC It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : 1ST7BX1KQ0/-A.8-3G. Company name: Brown PLC. Your Hiscox Insurance premium. Last year’s annual premium: This year’s annual premium. £ 384.59. £ 384.59. The premium includes all applicable insurance premium tax (IPT). Dear Mrs Dr Josh Chapman. Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 21/12/24 . Good news; if you want cover to continue with us and to make sure you stay protected by our award-winning cover, you do not need to do anything. We will update your policy onto our latest wording and continue to collect payment using the payment details we have for you. You must read the important information contained in this email and the attached documents. Your Hiscox Insurance Premium breakdown. The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). The amount shown as last year’s Annual premium will take into account any changes to the cover which may have been made during the last policy period. Cover. Last year’s annual premium (exc IPT). This year’s annual Premium (exc IPT). Professional indemnity. £7,034.28. £7,034.28. Legal protection. £2,888.13. £2,888.13. Crisis containment. £0.00. Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy . Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government increase in Insurance Premium Tax as shown. Is our information correct? Your premium and cover are based on what you’ve told us about Brown 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 21/12/24 . We’re here between 8:30am - 5:30pm Monday to Friday . Please note that we can only discuss policy changes with people named on the policy. Why renew with Hiscox. - Reassuring: we offer a range of cover options that can be tailored to your needs. - Flexible: we offer full flexibility to change your policy, with no administration fees . - Award-winning cover : we’ve been named Best Small Business Insurer 7 years running by Start Your Business Magazine . Please click this link for the Hiscox Referral Portal: https://refer.aklamio.com/hiscox/uk?source=postpurchase. Thank you again for choosing Hiscox to insure your business. We hope you and your business have a very successful year. Kind regards. Jon Dye. CEO, Hiscox UK. Business Insurance for the small and the brave. To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre. Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. This email and any files transmitted with it are confidential and intended solely for the use of the individual or entity to whom they are addressed. No one else is authorised to distribute, forward, print, copy or act upon any information contained in this email. If you have received this email in error, please notify the sender. Hiscox Syndicates Limited and Hiscox Insurance Company Limited are authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Hiscox Underwriting Limited, Hiscox Underwriting Services Ltd, Hiscox MGA Ltd and Hiscox ASM Ltd are authorised and regulated by the Financial Conduct Authority. Hiscox Assure SAS is duly registered as an insurance broker with the ORIAS, which is the French Official Registry of Insurance Intermediaries. Hiscox plc is a company registered in England and Wales under company registration number 2837811 and registered office at 1 Great St Helen's, London EC3A 6HX. Hiscox SA is a company registered in Luxembourg at 35 Avenue John F. Kennedy 35F, Luxembourg L-1855, and is authorised by the Commissariat aux Assurances de Luxembourg. It’s time to renew your Hiscox Business Insurance Hiscox Insurance policy number : 1ST7BX1KQ0/-A.8-3G Company name: Brown PLC . It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : 1ST7BX1KQ0/-A.8-3G Company name: Brown PLC . Your Hiscox Insurance premium Last year’s annual premium: This year’s annual premium The premium includes all applicable insurance premium tax (IPT). £ 384.59 £ 384.59 . Your Hiscox Insurance premium . Last year’s annual premium: This year’s annual premium £ 384.59 £ 384.59 . The premium includes all applicable insurance premium tax (IPT). Dear Mrs Dr Josh Chapman . Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 21/12/24 . Good news; if you want cover to continue with us and to make sure you stay protected by our award-winning cover, you do not need to do anything. We will update your policy onto our latest wording and continue to collect payment using the payment details we have for you. You must read the important information contained in this email and the attached documents Your Hiscox Insurance Premium breakdown The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). The amount shown as last year’s Annual premium will take into account any changes to the cover which may have been made during the last policy period. Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) Professional indemnity £7,034.28 £7,034.28 Legal protection £2,888.13 £2,888.13 Crisis containment £0.00 Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government increase in Insurance Premium Tax as shown. Is our information correct? Your premium and cover are based on what you’ve told us about Brown 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 21/12/24 . We’re here between 8:30am - 5:30pm Monday to Friday . Please note that we can only discuss policy changes with people named on the policy. Why renew with Hiscox - Reassuring: we offer a range of cover options that can be tailored to your needs - Flexible: we offer full flexibility to change your policy, with no administration fees - Award-winning cover : we’ve been named Best Small Business Insurer 7 years running by Start Your Business Magazine Please click this link for the Hiscox Referral Portal: https://refer.aklamio.com/hiscox/uk?source=postpurchase Thank you again for choosing Hiscox to insure your business. We hope you and your business have a very successful year. Kind regards Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 21/12/24 . Good news; if you want cover to continue with us and to make sure you stay protected by our award-winning cover, you do not need to do anything. We will update your policy onto our latest wording and continue to collect payment using the payment details we have for you. You must read the important information contained in this email and the attached documents Your Hiscox Insurance Premium breakdown The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). The amount shown as last year’s Annual premium will take into account any changes to the cover which may have been made during the last policy period. Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) Professional indemnity £7,034.28 £7,034.28 Legal protection £2,888.13 £2,888.13 Crisis containment £0.00 Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government increase in Insurance Premium Tax as shown. Is our information correct? Your premium and cover are based on what you’ve told us about Brown 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 21/12/24 . We’re here between 8:30am - 5:30pm Monday to Friday . Please note that we can only discuss policy changes with people named on the policy. Why renew with Hiscox - Reassuring: we offer a range of cover options that can be tailored to your needs - Flexible: we offer full flexibility to change your policy, with no administration fees - Award-winning cover : we’ve been named Best Small Business Insurer 7 years running by Start Your Business Magazine Please click this link for the Hiscox Referral Portal: https://refer.aklamio.com/hiscox/uk?source=postpurchase Thank you again for choosing Hiscox to insure your business. We hope you and your business have a very successful year. Kind regards Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Your Hiscox Insurance Premium breakdown The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). Cover Professional indemnity Legal protection Crisis containment . Last year’s annual premium (exc IPT) £7,034.28 £2,888.13 £0.00 . This year’s annual Premium (exc IPT) £7,034.28 £2,888.13 . Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) . Professional indemnity £7,034.28 £7,034.28 . Legal protection £2,888.13 £2,888.13 . Crisis containment £0.00 . Kind regards Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre . Kind regards . Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave . To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre . Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Page / 1 Hiscox Business Insurance Policy wording 17431a - DC565 WORDING 04/17Guide to sectionsIntroduction Policy wordings General terms and conditions Professional indemnity for business management consultants Legal protection Crisis containment Hiscox Business Insurance Policy wording 17431a - DC565 WORDING 04/17IntroductionThank you for choosing Hiscox to protect your business. We hope that the language and layout of this policy wording are clear because we want you to understand the insurance we provide as well as the responsibilities we have to each other. Please read this document, including the policy schedule, policy summary and statement of fact, and let us know as soon as possible if any of the details are shown incorrectly. We always try to deliver to the highest standards of service. Your views are important to us, so if you feel that our service is below the standard you would expect from Hiscox, please contact us on the phone number shown in your policy schedule. Please note that some of the words we use in this insurance are shown in bold type. These words are defined in each section of the wording. Page / 1 Hiscox Insurance Payment schedule Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Thank you for continuing to pay for your policy by Direct Debit. Please check these details and let us know if anything is incorrect or if the schedule is not suitable. Your reference details Account holder name: Dr Josh Chapman Frequency of collection: Annual Sort code: %BANK_SORT_CODE_1% Account number: %BANK_ACCOUNT_NUMBER_1% Your Direct Debit schedule We will take payments on the dates outlined below: Date Amount 21 May, 2019 £384.59 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: 1ST7BX1KQ0/-A.8-3G 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 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:1ST7BX1KQ0/-A.8-3G Name of policy holder:Brown PLC Period of insurance: From 21/12/24 to 28/09/2021 both days inclusive. This policy isa Continuing cover policy Insurer: Hiscox Insurance Company Limited Retroactive date: Thursday 25 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: 21/12/24 Insurance details Policy number: 1ST7BX1KQ0/-A.8-3G Period of insurance: From 21/12/24 to 28/09/2021 both days inclusive. This policy isa Continuing cover policy. Insured: Brown PLC Address: 12 Bradley cliffs Kenthaven FARNHAM N4 8LL Additional insureds: None Business: Management Consultants Premium details Charged premium – the total amount you’ll pay for this policy. Charged premium: £8,942.29 Insurance Premium Tax (IPT): £3,430.31 Total charged premium: £384.59 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: £8,942.29 Insurance Premium Tax (IPT): £3,430.31 Annual total: £384.59 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 £7,034.28 Legal protection £100,000 £0 £2,888.13 Crisis containment £25,000 - £0.00 The figures above are in summary only and are not in addition to the amount insured specified against each cover section below. Hiscox Business Insurance Policy Schedule 14502 10/18 SECTION: PROFESSIONAL INDEMNITY – MANAGEMENT CONSULTANTS Cover start date: 21/12/24 Limit of indemnity £1,000,000 Limit applies to in the aggregate, including all costs Excess £1,000 Excess applies to each and every claim or loss, including all costs Geographical limits Worldwide Applicable courts Worldwide (excluding United States of America and Canada) Claims brought in USA or Canada Not covered Additional covers (in addition to overall limit of indemnity stated above) Cover Limit of indemnity Limit applies to Court attendance compensation - employees £250 per person, per day Court attendance compensation - directors and partners£500 per person, per day Court attendance compensation: in total £100,000 in the aggregate Special limits (included within not in addition to the overall limit of indemnity stated above) Cover Limit of indemnity Limit applies to Personal data claims £250,000 in the aggregate, including all costs Business activities Business managementPage / 2 consultant Retroactive date Thursday 25 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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1ST7BX1KQ0/-A.8-3G
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(?<=Policy number - )[-\w_\/\.]+?(?= Company name)
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21/12/24
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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 - E1ZPEQ032U3 Company name: Francis, Howard and Warren It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : E1ZPEQ032U3. Company name: Francis, Howard and Warren. Your Hiscox Insurance premium. Last year’s annual premium: This year’s annual premium. £ 6,266.02. £ 6,266.02. The premium includes all applicable insurance premium tax (IPT). Dear Dr Allan Wilkinson-Jones. Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 2023-05-31 . Good news; if you want cover to continue with us and to make sure you stay protected by our award-winning cover, you do not need to do anything. We will update your policy onto our latest wording and continue to collect payment using the payment details we have for you. You must read the important information contained in this email and the attached documents. Your Hiscox Insurance Premium breakdown. The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). The amount shown as last year’s Annual premium will take into account any changes to the cover which may have been made during the last policy period. Cover. Last year’s annual premium (exc IPT). This year’s annual Premium (exc IPT). Professional indemnity. £6,458.60. £6,458.60. Legal protection. £8,744.03. £8,744.03. 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 Francis, Howard and Warren , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay. . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover. Policy summary for each cover. ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover . As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before 2023-05-31 . We’re here between 8:30am - 5:30pm Monday to Friday . Please note that we can only discuss policy changes with people named on the policy. Why renew with Hiscox. - Reassuring: we offer a range of cover options that can be tailored to your needs. - Flexible: we offer full flexibility to change your policy, with no administration fees . - Award-winning cover : we’ve been named Best Small Business Insurer 7 years running by Start Your Business Magazine . Please click this link for the Hiscox Referral Portal: https://refer.aklamio.com/hiscox/uk?source=postpurchase. Thank you again for choosing Hiscox to insure your business. We hope you and your business have a very successful year. Kind regards. Jon Dye. CEO, Hiscox UK. Business Insurance for the small and the brave. To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre. Hiscox Underwriting 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 : E1ZPEQ032U3 Company name: Francis, Howard and Warren . It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : E1ZPEQ032U3 Company name: Francis, Howard and Warren . Your Hiscox Insurance premium Last year’s annual premium: This year’s annual premium The premium includes all applicable insurance premium tax (IPT). £ 6,266.02 £ 6,266.02 . Your Hiscox Insurance premium . Last year’s annual premium: This year’s annual premium £ 6,266.02 £ 6,266.02 . The premium includes all applicable insurance premium tax (IPT). Dear Dr Allan Wilkinson-Jones . Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 2023-05-31 . Good news; if you want cover to continue with us and to make sure you stay protected by our award-winning cover, you do not need to do anything. We will update your policy onto our latest wording and continue to collect payment using the payment details we have for you. You must read the important information contained in this email and the attached documents Your Hiscox Insurance Premium breakdown The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). The amount shown as last year’s Annual premium will take into account any changes to the cover which may have been made during the last policy period. Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) Professional indemnity £6,458.60 £6,458.60 Legal protection £8,744.03 £8,744.03 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 Francis, Howard and Warren , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover Policy summary for each cover ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before 2023-05-31 . We’re here between 8:30am - 5:30pm Monday to Friday . Please note that we can only discuss policy changes with people named on the policy. Why renew with Hiscox - Reassuring: we offer a range of cover options that can be tailored to your needs - Flexible: we offer full flexibility to change your policy, with no administration fees - Award-winning cover : we’ve been named Best Small Business Insurer 7 years running by Start Your Business Magazine Please click this link for the Hiscox Referral Portal: https://refer.aklamio.com/hiscox/uk?source=postpurchase Thank you again for choosing Hiscox to insure your business. We hope you and your business have a very successful year. Kind regards Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre Hiscox Underwriting Ltd of 1 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 2023-05-31 . Good news; if you want cover to continue with us and to make sure you stay protected by our award-winning cover, you do not need to do anything. We will update your policy onto our latest wording and continue to collect payment using the payment details we have for you. You must read the important information contained in this email and the attached documents Your Hiscox Insurance Premium breakdown The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). The amount shown as last year’s Annual premium will take into account any changes to the cover which may have been made during the last policy period. Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) Professional indemnity £6,458.60 £6,458.60 Legal protection £8,744.03 £8,744.03 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 Francis, Howard and Warren , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover Policy summary for each cover ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before 2023-05-31 . We’re here between 8:30am - 5:30pm Monday to Friday . Please note that we can only discuss policy changes with people named on the policy. Why renew with Hiscox - Reassuring: we offer a range of cover options that can be tailored to your needs - Flexible: we offer full flexibility to change your policy, with no administration fees - Award-winning cover : we’ve been named Best Small Business Insurer 7 years running by Start Your Business Magazine Please click this link for the Hiscox Referral Portal: https://refer.aklamio.com/hiscox/uk?source=postpurchase Thank you again for choosing Hiscox to insure your business. We hope you and your business have a very successful year. Kind regards Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre Hiscox Underwriting 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) £6,458.60 £8,744.03 £0.00 . This year’s annual Premium (exc IPT) £6,458.60 £8,744.03 . Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) . Professional indemnity £6,458.60 £6,458.60 . Legal protection £8,744.03 £8,744.03 . 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: Allan Wilkinson-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 20/06/2019 £6,266.02 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: E1ZPEQ032U3 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 Francis, Howard and Warren Hiscox Underwriting 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:E1ZPEQ032U3 Name of policy holder:Francis, Howard and Warren Period of insurance: From 2023-05-31 to Sunday 23 February, 2020 both days inclusive. This policy isa Continuing cover policy Insurer: Hiscox Insurance Company Limited Retroactive date: 06 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: 2023-05-31 Insurance details Policy number: E1ZPEQ032U3 Period of insurance: From 2023-05-31 to Sunday 23 February, 2020 both days inclusive. This policy isa Continuing cover policy. Insured: Francis, Howard and Warren Address: Studio 14 Molly junctions Thomaschester FARNHAM M5G 3PN Additional insureds: None Business: Management Consultants Premium details Charged premium – the total amount you’ll pay for this policy. Charged premium: £8,116.45 Insurance Premium Tax (IPT): £7,963.63 Total charged premium: £6,266.02 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: £8,116.45 Insurance Premium Tax (IPT): £7,963.63 Annual total: £6,266.02 Please note that there will be no refund or additional premium for any transaction which is less than £20 (excluding IPT). Hiscox Business Insurance Policy Schedule 14502 10/18 Summary Claims information If you need to make a claim: - For claims relating to your building or contents please contact our claims team on 0800 247 1902, 9.00am – 5:30pm Monday to Friday. If you wish to make a claim online, you can log most claims quickly and easily through our claims notification portal at https://claims.hiscox.co.uk/. Outside of normal business hours, if you require emergency assistance in relation to substantial damage to your property, you can speak to our 24-hour emergency assistance team using the telephone number above. Your policy schedule will state if property cover is included in your policy. Our out-of-hours emergency assistance team operate ona pay-and-claim basis and you will need to have credit card details available as appropriate. The team will then be able to direct you to essential tradesmen, emergency loss adjusters or disaster management companies in the event of substantial damage. - If there isa claim (or potential claim) against you bya third party, please email us at liability.claims@hiscox.com. If you need to speak to a member of the claims team urgently, please call our team on 0800 711 7156, 9.00am – 5:30pm Monday to Friday. If you wish to make a claim online, you can log most claims quickly and easily through our claims notification portal at https://claims.hiscox.co.uk/. You will need to provide your full name and contact details, the name of your business or organisation, your address and postcode, the policy reference and circumstances of the claim. The Important information and contact details section below contains additional information specific to the covers applicable to your policy. If you are unsure of who to contact please call our team on 0800 711 7156, 9.00am – 5:30pm Monday to Friday. They will ensure you get through to the correct claims team and let you know what actions you need to take. If anything happens that might be covered under the policy, you must comply with the obligations set out in General claims conditions, together with the obligations set out under Your obligations in the section or sections under which you are making the claim. Itis important that you read the policy for details of its terms in full. Your covers This isa summary of each section of your policy. See each section for cover details. Cover Insurance amount Excess Annual Premium (exc IPT) Professional indemnity £1,000,000 £1,000 £6,458.60 Legal protection £100,000 £0 £8,744.03 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: 2023-05-31 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 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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E1ZPEQ032U3
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(?<=Policy number - )[-\w_\/\.]+?(?= Company name)
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2023-05-31
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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 - 3MXDJFE70SXNNH/UN42KBE Company name: Harris-Davies It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : 3MXDJFE70SXNNH/UN42KBE. Company name: Harris-Davies. Your Hiscox Insurance premium. Last year’s annual premium: This year’s annual premium. £ 6,029.90. £ 6,029.90. The premium includes all applicable insurance premium tax (IPT). Dear Mr Dr Claire Rice. Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on Tuesday 14 May, 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. £7,090.02. £7,090.02. Legal protection. £1,369.80. £1,369.80. Crisis containment. £0.00. Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy . Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government increase in Insurance Premium Tax as shown. Is our information correct? Your premium and cover are based on what you’ve told us about Harris-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 Tuesday 14 May, 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 : 3MXDJFE70SXNNH/UN42KBE Company name: Harris-Davies . It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : 3MXDJFE70SXNNH/UN42KBE Company name: Harris-Davies . Your Hiscox Insurance premium Last year’s annual premium: This year’s annual premium The premium includes all applicable insurance premium tax (IPT). £ 6,029.90 £ 6,029.90 . Your Hiscox Insurance premium . Last year’s annual premium: This year’s annual premium £ 6,029.90 £ 6,029.90 . The premium includes all applicable insurance premium tax (IPT). Dear Mr Dr Claire Rice . Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on Tuesday 14 May, 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 £7,090.02 £7,090.02 Legal protection £1,369.80 £1,369.80 Crisis containment £0.00 Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government increase in Insurance Premium Tax as shown. Is our information correct? Your premium and cover are based on what you’ve told us about Harris-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 Tuesday 14 May, 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 Tuesday 14 May, 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 £7,090.02 £7,090.02 Legal protection £1,369.80 £1,369.80 Crisis containment £0.00 Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government increase in Insurance Premium Tax as shown. Is our information correct? Your premium and cover are based on what you’ve told us about Harris-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 Tuesday 14 May, 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) £7,090.02 £1,369.80 £0.00 . This year’s annual Premium (exc IPT) £7,090.02 £1,369.80 . Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) . Professional indemnity £7,090.02 £7,090.02 . Legal protection £1,369.80 £1,369.80 . Crisis containment £0.00 . Kind regards Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre . Kind regards . Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave . To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre . Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Page / 1 Hiscox Business Insurance Policy wording 17431a - DC565 WORDING 04/17Guide to sectionsIntroduction Policy wordings General terms and conditions Professional indemnity for business management consultants Legal protection Crisis containment Hiscox Business Insurance Policy wording 17431a - DC565 WORDING 04/17IntroductionThank you for choosing Hiscox to protect your business. We hope that the language and layout of this policy wording are clear because we want you to understand the insurance we provide as well as the responsibilities we have to each other. Please read this document, including the policy schedule, policy summary and statement of fact, and let us know as soon as possible if any of the details are shown incorrectly. We always try to deliver to the highest standards of service. Your views are important to us, so if you feel that our service is below the standard you would expect from Hiscox, please contact us on the phone number shown in your policy schedule. Please note that some of the words we use in this insurance are shown in bold type. These words are defined in each section of the wording. Page / 1 Hiscox Insurance Payment schedule Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Thank you for continuing to pay for your policy by Direct Debit. Please check these details and let us know if anything is incorrect or if the schedule is not suitable. Your reference details Account holder name: Dr Claire Rice 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 2025-11-28 £6,029.90 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: 3MXDJFE70SXNNH/UN42KBE 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-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:3MXDJFE70SXNNH/UN42KBE Name of policy holder:Harris-Davies Period of insurance: From Tuesday 14 May, 2019 to Mon 15 November, 2021 both days inclusive. This policy isa Continuing cover policy Insurer: Hiscox Insurance Company Limited Retroactive date: 13/10/23 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: Tuesday 14 May, 2019 Insurance details Policy number: 3MXDJFE70SXNNH/UN42KBE Period of insurance: From Tuesday 14 May, 2019 to Mon 15 November, 2021 both days inclusive. This policy isa Continuing cover policy. Insured: Harris-Davies Address: Flat 80 Mitchell summit Leebury FARNHAM L9C 8HT Additional insureds: None Business: Management Consultants Premium details Charged premium – the total amount you’ll pay for this policy. Charged premium: £8,951.05 Insurance Premium Tax (IPT): £959.01 Total charged premium: £6,029.90 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: £8,951.05 Insurance Premium Tax (IPT): £959.01 Annual total: £6,029.90 Please note that there will be no refund or additional premium for any transaction which is less than £20 (excluding IPT). Hiscox Business Insurance Policy Schedule 14502 10/18 Summary Claims information If you need to make a claim: - For claims relating to your building or contents please contact our claims team on 0800 247 1902, 9.00am – 5:30pm Monday to Friday. If you wish to make a claim online, you can log most claims quickly and easily through our claims notification portal at https://claims.hiscox.co.uk/. Outside of normal business hours, if you require emergency assistance in relation to substantial damage to your property, you can speak to our 24-hour emergency assistance team using the telephone number above. Your policy schedule will state if property cover is included in your policy. Our out-of-hours emergency assistance team operate ona pay-and-claim basis and you will need to have credit card details available as appropriate. The team will then be able to direct you to essential tradesmen, emergency loss adjusters or disaster management companies in the event of substantial damage. - If there isa claim (or potential claim) against you bya third party, please email us at liability.claims@hiscox.com. If you need to speak to a member of the claims team urgently, please call our team on 0800 711 7156, 9.00am – 5:30pm Monday to Friday. If you wish to make a claim online, you can log most claims quickly and easily through our claims notification portal at https://claims.hiscox.co.uk/. You will need to provide your full name and contact details, the name of your business or organisation, your address and postcode, the policy reference and circumstances of the claim. The Important information and contact details section below contains additional information specific to the covers applicable to your policy. If you are unsure of who to contact please call our team on 0800 711 7156, 9.00am – 5:30pm Monday to Friday. They will ensure you get through to the correct claims team and let you know what actions you need to take. If anything happens that might be covered under the policy, you must comply with the obligations set out in General claims conditions, together with the obligations set out under Your obligations in the section or sections under which you are making the claim. Itis important that you read the policy for details of its terms in full. Your covers This isa summary of each section of your policy. See each section for cover details. Cover Insurance amount Excess Annual Premium (exc IPT) Professional indemnity £1,000,000 £1,000 £7,090.02 Legal protection £100,000 £0 £1,369.80 Crisis containment £25,000 - £0.00 The figures above are in summary only and are not in addition to the amount insured specified against each cover section below. Hiscox Business Insurance Policy Schedule 14502 10/18 SECTION: PROFESSIONAL INDEMNITY – MANAGEMENT CONSULTANTS Cover start date: Tuesday 14 May, 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 13/10/23 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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3MXDJFE70SXNNH/UN42KBE
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(?<=Policy number - )[-\w_\/\.]+?(?= Company name)
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Tuesday 14 May, 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 - 0Y0WNEXMWFP/5A Company name: Jenkins-Osborne It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : 0Y0WNEXMWFP/5A. Company name: Jenkins-Osborne. Your Hiscox Insurance premium. Last year’s annual premium: This year’s annual premium. £ 4,955.50. £ 4,955.50. The premium includes all applicable insurance premium tax (IPT). Dear Dr Mr Gary Hamilton. Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on Thursday 03 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. £1,558.55. £1,558.55. Legal protection. £6,900.81. £6,900.81. Crisis containment. £0.00. Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy . Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government increase in Insurance Premium Tax as shown. Is our information correct? Your premium and cover are based on what you’ve told us about Jenkins-Osborne , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay. . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover. Policy summary for each cover. ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover . As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before Thursday 03 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 : 0Y0WNEXMWFP/5A Company name: Jenkins-Osborne . It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : 0Y0WNEXMWFP/5A Company name: Jenkins-Osborne . Your Hiscox Insurance premium Last year’s annual premium: This year’s annual premium The premium includes all applicable insurance premium tax (IPT). £ 4,955.50 £ 4,955.50 . Your Hiscox Insurance premium . Last year’s annual premium: This year’s annual premium £ 4,955.50 £ 4,955.50 . The premium includes all applicable insurance premium tax (IPT). Dear Dr Mr Gary Hamilton . Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on Thursday 03 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 £1,558.55 £1,558.55 Legal protection £6,900.81 £6,900.81 Crisis containment £0.00 Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government increase in Insurance Premium Tax as shown. Is our information correct? Your premium and cover are based on what you’ve told us about Jenkins-Osborne , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover Policy summary for each cover ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before Thursday 03 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 Thursday 03 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 £1,558.55 £1,558.55 Legal protection £6,900.81 £6,900.81 Crisis containment £0.00 Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government increase in Insurance Premium Tax as shown. Is our information correct? Your premium and cover are based on what you’ve told us about Jenkins-Osborne , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover Policy summary for each cover ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before Thursday 03 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) £1,558.55 £6,900.81 £0.00 . This year’s annual Premium (exc IPT) £1,558.55 £6,900.81 . Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) . Professional indemnity £1,558.55 £1,558.55 . Legal protection £6,900.81 £6,900.81 . Crisis containment £0.00 . Kind regards Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre . Kind regards . Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave . To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre . Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Page / 1 Hiscox Business Insurance Policy wording 17431a - DC565 WORDING 04/17Guide to sectionsIntroduction Policy wordings General terms and conditions Professional indemnity for business management consultants Legal protection Crisis containment Hiscox Business Insurance Policy wording 17431a - DC565 WORDING 04/17IntroductionThank you for choosing Hiscox to protect your business. We hope that the language and layout of this policy wording are clear because we want you to understand the insurance we provide as well as the responsibilities we have to each other. Please read this document, including the policy schedule, policy summary and statement of fact, and let us know as soon as possible if any of the details are shown incorrectly. We always try to deliver to the highest standards of service. Your views are important to us, so if you feel that our service is below the standard you would expect from Hiscox, please contact us on the phone number shown in your policy schedule. Please note that some of the words we use in this insurance are shown in bold type. These words are defined in each section of the wording. Page / 1 Hiscox Insurance Payment schedule Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Thank you for continuing to pay for your policy by Direct Debit. Please check these details and let us know if anything is incorrect or if the schedule is not suitable. Your reference details Account holder name: Mr Gary Hamilton 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 21/06/21 £4,955.50 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: 0Y0WNEXMWFP/5A If you have any questions about your policy or payments, please call us on 0800 280 0351. We’re here between 8:30am - 5:30pm Monday to Friday or you can email us at service@hiscox.co.uk. Using your personal information Hiscox isa trading name ofa number of Hiscox companies. The specific company acting asa data controller of your personal information will be listed in the documentation we provide to you. If you are unsure you can also contact us at anytime by telephoning 01904 681198 or by emailing us at dataprotectionofficer@hiscox.com. We collect and process information about you in order to provide insurance policies and to process claims. Your information is also used for business purposes such as fraud prevention and detection and financial management. This may involve sharing your information with, and obtaining information about you from, our group companies and third parties such as brokers, loss adjusters, credit reference agencies, service providers, professional advisors, our regulators or fraud prevention agencies. We may record telephone calls to help us monitor and improve the service we provide. For further information on how your information is used and your rights in relation to your information please see our privacy policy at www.hiscox.co.uk/cookies-privacy. The Direct Debit Guarantee This Guarantee is offered by all banks and building societies that accept instructions to pay Direct Debits. If there are any changes to the amount, date or frequency of your Direct Debit Hiscox Underwriting Ltd will notify you ten working days in advance of your account being debited or as otherwise agreed. If you request Hiscox Underwriting Ltd to collect a payment, confirmation of the amount and date will be given to you at the time of the request. If an error is made in the payment of your Direct Debit by Hiscox Underwriting Ltd or your bank or building society you are entitled to a full and immediate refund of the amount paid from your bank or building society. – If you receive a refund you are not entitled to, you must pay it back when Hiscox Underwriting Ltd asks you to. You can cancel a Direct Debit at anytime by simply contacting your bank or building society. Written confirmation maybe required. Please also notify us. Page / 1 Hiscox Business Insurance Policy summary JAC-PSC-UK-DC556(5.4) 17431b 07/20 Your Hiscox Business Insurance policy summaries This document contains the summaries for any policy covers you have selected to protect your business. These summaries outline the key information about your policies so you can be confident that you have understood what you have bought and what you are covered for. However, you should carefully read your policy in full and ensure that you understand its terms and conditions in full. If you have any queries, you should contact Hiscox or your insurance advisor. Your side of the bargain Remember, your premium and insurance are based on the details you have provided to us. Please make sure this information accurately reflects your business and that you inform us immediately if anything needs to change. Please also tell us of any changes in circumstances that may affect the services provided by us or the cover provided by your policy. This is particularly important before taking out a policy, but it also applies throughout the life of the policy too. You need to consider: ■if you fail to fairly present the risk to us, including by failing to disclose any information material to the insurance, you could invalidate the policy, claims may not be paid or the amount we pay maybe reduced; ■you should read and check all insurance documents to ensure that you are aware of the cover, limits and other terms that apply; ■if you fail to let us know of any changes to your circumstances during the period of insurance or, if when telling us about such changes you fail to present the risk to us fairly, you could invalidate the policy, claims may not be paid or the amount we pay maybe reduced; ■please be aware of all terms and conditions of your policy because failure to comply with them could invalidate it or result in us not paying a claim or reducing the amount we pay; ■in the event ofa claim, you should take note of the required procedures, such as giving Hiscox prompt notice of the claims, as stated in the policy documentation. In particular, if you fail to notify us when you first become aware ofa shortcoming, fact, or problem, admit you are liable for what has happened or appoint solicitors or other legal representation without our prior written approval, claims or defence costs may not be paid or the amount we pay maybe reduced; ■as with any insurance, you have an obligation to take reasonable steps to mitigate any loss or liability; ■if you make a fraudulent claim or try to deceive us, we may terminate the policy. Policy length The period of insurance is shown on your policy schedule. Your policy schedule will also show if the policy is ona continuing cover basis. If itis ona continuing cover basis, we will renew your policy each year for another 12 months and continue to take payment (including any premium adjustment shown in your renewal invitation) using your existing arrangement, unless you tell us otherwise or if your risk changes. If your policy schedule does not show that the policy is ona continuing cover basis, cover will cease at the end of the period of insurance, unless you renew your policy with us. We will provide you witha statement of fact each year and provided that the information contained within the statement of fact is true, complete and accurate, you do not need to provide us with any further information. If any of the information in your statement of fact is not true, complete and accurate, you must let us know. If you do not let us know, it may affect the validity of the policy or our ability to pay a claim. Retroactive dates, geographical and jurisdiction limits Where any section of your policy schedule includes a retroactive date, we will not make any payment for any claim or loss under that section which arises from any activity performed or any act, incident or occurrence taking place, before the retroactive date. Where any section of your policy schedule shows the geographical limits which apply to that section of the policy, we will only pay for claims and losses under that section which arise from activities performed or acts, incidents or occurrences taking place within those geographical limits. Where any section provides cover in respect of your liability to third parties, we will only cover claims first made ina country within the applicable courts stated in that section of your policy schedule. Hiscox Business Insurance Policy summary JAC-PSC-UK-DC556(5.4) 17431b 07/20 Cancellation rights You can cancel this policy by giving us 30 days' notice. You will only be charged for the premiums due up to the date of cancellation. If we need to cancel the policy, we’ll give you 30 days’ notice in writing and refund any surplus premiums you might have paid. Please note – we may deduct an administration fee from any refunded payment.There is an exception to our 30-day notice period, which is triggered when we don’t receive your Direct Debit payments within the agreed 14-day period. At this point, we will contact you as soon as possible and stop the policyPage / 2 immediately. Underwritten by:Hiscox Underwriting Ltd on behalf of the insurers named in the schedule. Page / 1 Certificate of professional indemnity insurance Jenkins-Osborne Hiscox Underwriting 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:0Y0WNEXMWFP/5A Name of policy holder:Jenkins-Osborne Period of insurance: From Thursday 03 October, 2024 to 2023-05-03 both days inclusive. This policy isa Continuing cover policy Insurer: Hiscox Insurance Company Limited Retroactive date: 14/06/2020 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: Thursday 03 October, 2024 Insurance details Policy number: 0Y0WNEXMWFP/5A Period of insurance: From Thursday 03 October, 2024 to 2023-05-03 both days inclusive. This policy isa Continuing cover policy. Insured: Jenkins-Osborne Address: 9 Teresa divide Lake Lisashire FARNHAM BL82 8DR Additional insureds: None Business: Management Consultants Premium details Charged premium – the total amount you’ll pay for this policy. Charged premium: £3,233.90 Insurance Premium Tax (IPT): £5,407.75 Total charged premium: £4,955.50 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: £3,233.90 Insurance Premium Tax (IPT): £5,407.75 Annual total: £4,955.50 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 £1,558.55 Legal protection £100,000 £0 £6,900.81 Crisis containment £25,000 - £0.00 The figures above are in summary only and are not in addition to the amount insured specified against each cover section below. Hiscox Business Insurance Policy Schedule 14502 10/18 SECTION: PROFESSIONAL INDEMNITY – MANAGEMENT CONSULTANTS Cover start date: Thursday 03 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 14/06/2020 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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0Y0WNEXMWFP/5A
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(?<=Policy number - )[-\w_\/\.]+?(?= Company name)
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Thursday 03 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 - 3/5ZEBJN4K-GFMO2ZX7XBHBM6 Company name: Young, Osborne and Gray It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : 3/5ZEBJN4K-GFMO2ZX7XBHBM6. Company name: Young, Osborne and Gray. Your Hiscox Insurance premium. Last year’s annual premium: This year’s annual premium. £ 3,738.29. £ 3,738.29. The premium includes all applicable insurance premium tax (IPT). Dear Mr Dominic Scott. Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 2024-12-01 . 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. £9,013.18. £9,013.18. Legal protection. £1,661.82. £1,661.82. 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 Young, Osborne and Gray , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay. . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover. Policy summary for each cover. ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover . As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before 2024-12-01 . 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 : 3/5ZEBJN4K-GFMO2ZX7XBHBM6 Company name: Young, Osborne and Gray . It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : 3/5ZEBJN4K-GFMO2ZX7XBHBM6 Company name: Young, Osborne and Gray . Your Hiscox Insurance premium Last year’s annual premium: This year’s annual premium The premium includes all applicable insurance premium tax (IPT). £ 3,738.29 £ 3,738.29 . Your Hiscox Insurance premium . Last year’s annual premium: This year’s annual premium £ 3,738.29 £ 3,738.29 . The premium includes all applicable insurance premium tax (IPT). Dear Mr Dominic Scott . Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 2024-12-01 . 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 £9,013.18 £9,013.18 Legal protection £1,661.82 £1,661.82 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 Young, Osborne and Gray , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover Policy summary for each cover ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before 2024-12-01 . 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 2024-12-01 . 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 £9,013.18 £9,013.18 Legal protection £1,661.82 £1,661.82 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 Young, Osborne and Gray , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover Policy summary for each cover ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before 2024-12-01 . 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) £9,013.18 £1,661.82 £0.00 . This year’s annual Premium (exc IPT) £9,013.18 £1,661.82 . Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) . Professional indemnity £9,013.18 £9,013.18 . Legal protection £1,661.82 £1,661.82 . 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: Dominic Scott 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 09 November, 2023 £3,738.29 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: 3/5ZEBJN4K-GFMO2ZX7XBHBM6 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 Young, Osborne and Gray Hiscox Underwriting 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:3/5ZEBJN4K-GFMO2ZX7XBHBM6 Name of policy holder:Young, Osborne and Gray Period of insurance: From 2024-12-01 to Monday 20 March, 2023 both days inclusive. This policy isa Continuing cover policy Insurer: Hiscox Insurance Company Limited Retroactive date: Monday 28 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: 2024-12-01 Insurance details Policy number: 3/5ZEBJN4K-GFMO2ZX7XBHBM6 Period of insurance: From 2024-12-01 to Monday 20 March, 2023 both days inclusive. This policy isa Continuing cover policy. Insured: Young, Osborne and Gray Address: 502 Russell shoals Aaronburgh FARNHAM E9U 1TH Additional insureds: None Business: Management Consultants Premium details Charged premium – the total amount you’ll pay for this policy. Charged premium: £2,508.18 Insurance Premium Tax (IPT): £8,264.30 Total charged premium: £3,738.29 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: £2,508.18 Insurance Premium Tax (IPT): £8,264.30 Annual total: £3,738.29 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 £9,013.18 Legal protection £100,000 £0 £1,661.82 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: 2024-12-01 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 Monday 28 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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3/5ZEBJN4K-GFMO2ZX7XBHBM6
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2024-12-01
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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 - 493A88XWE1AITEQS2647RVV Company name: Quinn Ltd It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : 493A88XWE1AITEQS2647RVV. Company name: Quinn Ltd. Your Hiscox Insurance premium. Last year’s annual premium: This year’s annual premium. £ 3,895.14. £ 3,895.14. The premium includes all applicable insurance premium tax (IPT). Dear Mrs Dylan Lewis. Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 07/09/2022 . 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. £1,478.80. £1,478.80. Legal protection. £5,816.22. £5,816.22. 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 Quinn 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 07/09/2022 . 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 : 493A88XWE1AITEQS2647RVV Company name: Quinn Ltd . It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : 493A88XWE1AITEQS2647RVV Company name: Quinn Ltd . Your Hiscox Insurance premium Last year’s annual premium: This year’s annual premium The premium includes all applicable insurance premium tax (IPT). £ 3,895.14 £ 3,895.14 . Your Hiscox Insurance premium . Last year’s annual premium: This year’s annual premium £ 3,895.14 £ 3,895.14 . The premium includes all applicable insurance premium tax (IPT). Dear Mrs Dylan Lewis . Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 07/09/2022 . 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 £1,478.80 £1,478.80 Legal protection £5,816.22 £5,816.22 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 Quinn 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 07/09/2022 . 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 07/09/2022 . 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 £1,478.80 £1,478.80 Legal protection £5,816.22 £5,816.22 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 Quinn 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 07/09/2022 . 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) £1,478.80 £5,816.22 £0.00 . This year’s annual Premium (exc IPT) £1,478.80 £5,816.22 . Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) . Professional indemnity £1,478.80 £1,478.80 . Legal protection £5,816.22 £5,816.22 . 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: Dylan Lewis 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 December, 2022 £3,895.14 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: 493A88XWE1AITEQS2647RVV 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 Quinn 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:493A88XWE1AITEQS2647RVV Name of policy holder:Quinn Ltd Period of insurance: From 07/09/2022 to 17/01/2023 both days inclusive. This policy isa Continuing cover policy Insurer: Hiscox Insurance Company Limited Retroactive date: 2025-10-11 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: 07/09/2022 Insurance details Policy number: 493A88XWE1AITEQS2647RVV Period of insurance: From 07/09/2022 to 17/01/2023 both days inclusive. This policy isa Continuing cover policy. Insured: Quinn Ltd Address: 11 Janice ways Lake Marilynstad FARNHAM CM70 9WX Additional insureds: None Business: Management Consultants Premium details Charged premium – the total amount you’ll pay for this policy. Charged premium: £3,602.83 Insurance Premium Tax (IPT): £3,882.35 Total charged premium: £3,895.14 Annualised premium – the annual premium for this policy. This is given for comparison purposes. Please refer to the charged premium section for the amount you’ll pay for the policy. Annual premium: £3,602.83 Insurance Premium Tax (IPT): £3,882.35 Annual total: £3,895.14 Please note that there will be no refund or additional premium for any transaction which is less than £20 (excluding IPT). Hiscox Business Insurance Policy Schedule 14502 10/18 Summary Claims information If you need to make a claim: - For claims relating to your building or contents please contact our claims team on 0800 247 1902, 9.00am – 5:30pm Monday to Friday. If you wish to make a claim online, you can log most claims quickly and easily through our claims notification portal at https://claims.hiscox.co.uk/. Outside of normal business hours, if you require emergency assistance in relation to substantial damage to your property, you can speak to our 24-hour emergency assistance team using the telephone number above. Your policy schedule will state if property cover is included in your policy. Our out-of-hours emergency assistance team operate ona pay-and-claim basis and you will need to have credit card details available as appropriate. The team will then be able to direct you to essential tradesmen, emergency loss adjusters or disaster management companies in the event of substantial damage. - If there isa claim (or potential claim) against you bya third party, please email us at liability.claims@hiscox.com. If you need to speak to a member of the claims team urgently, please call our team on 0800 711 7156, 9.00am – 5:30pm Monday to Friday. If you wish to make a claim online, you can log most claims quickly and easily through our claims notification portal at https://claims.hiscox.co.uk/. You will need to provide your full name and contact details, the name of your business or organisation, your address and postcode, the policy reference and circumstances of the claim. The Important information and contact details section below contains additional information specific to the covers applicable to your policy. If you are unsure of who to contact please call our team on 0800 711 7156, 9.00am – 5:30pm Monday to Friday. They will ensure you get through to the correct claims team and let you know what actions you need to take. If anything happens that might be covered under the policy, you must comply with the obligations set out in General claims conditions, together with the obligations set out under Your obligations in the section or sections under which you are making the claim. Itis important that you read the policy for details of its terms in full. Your covers This isa summary of each section of your policy. See each section for cover details. Cover Insurance amount Excess Annual Premium (exc IPT) Professional indemnity £1,000,000 £1,000 £1,478.80 Legal protection £100,000 £0 £5,816.22 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: 07/09/2022 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 2025-10-11 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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493A88XWE1AITEQS2647RVV
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(?<=Policy number - )[-\w_\/\.]+?(?= Company name)
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07/09/2022
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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 - V.RAVS-W/LRIJ_EQGIZ Company name: Lord-Farmer It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : V.RAVS-W/LRIJ_EQGIZ. Company name: Lord-Farmer. Your Hiscox Insurance premium. Last year’s annual premium: This year’s annual premium. £ 1,886.00. £ 1,886.00. The premium includes all applicable insurance premium tax (IPT). Dear Mrs Sharon Fletcher. Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 13/05/2021 . Good news; if you want cover to continue with us and to make sure you stay protected by our award-winning cover, you do not need to do anything. We will update your policy onto our latest wording and continue to collect payment using the payment details we have for you. You must read the important information contained in this email and the attached documents. Your Hiscox Insurance Premium breakdown. The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). The amount shown as last year’s Annual premium will take into account any changes to the cover which may have been made during the last policy period. Cover. Last year’s annual premium (exc IPT). This year’s annual Premium (exc IPT). Professional indemnity. £5,680.59. £5,680.59. Legal protection. £2,700.09. £2,700.09. 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 Lord-Farmer , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay. . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover. Policy summary for each cover. ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover . As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before 13/05/2021 . 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 : V.RAVS-W/LRIJ_EQGIZ Company name: Lord-Farmer . It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : V.RAVS-W/LRIJ_EQGIZ Company name: Lord-Farmer . Your Hiscox Insurance premium Last year’s annual premium: This year’s annual premium The premium includes all applicable insurance premium tax (IPT). £ 1,886.00 £ 1,886.00 . Your Hiscox Insurance premium . Last year’s annual premium: This year’s annual premium £ 1,886.00 £ 1,886.00 . The premium includes all applicable insurance premium tax (IPT). Dear Mrs Sharon Fletcher . Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 13/05/2021 . Good news; if you want cover to continue with us and to make sure you stay protected by our award-winning cover, you do not need to do anything. We will update your policy onto our latest wording and continue to collect payment using the payment details we have for you. You must read the important information contained in this email and the attached documents Your Hiscox Insurance Premium breakdown The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). The amount shown as last year’s Annual premium will take into account any changes to the cover which may have been made during the last policy period. Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) Professional indemnity £5,680.59 £5,680.59 Legal protection £2,700.09 £2,700.09 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 Lord-Farmer , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover Policy summary for each cover ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before 13/05/2021 . 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 13/05/2021 . Good news; if you want cover to continue with us and to make sure you stay protected by our award-winning cover, you do not need to do anything. We will update your policy onto our latest wording and continue to collect payment using the payment details we have for you. You must read the important information contained in this email and the attached documents Your Hiscox Insurance Premium breakdown The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). The amount shown as last year’s Annual premium will take into account any changes to the cover which may have been made during the last policy period. Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) Professional indemnity £5,680.59 £5,680.59 Legal protection £2,700.09 £2,700.09 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 Lord-Farmer , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover Policy summary for each cover ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before 13/05/2021 . We’re here between 8:30am - 5:30pm Monday to Friday . Please note that we can only discuss policy changes with people named on the policy. Why renew with Hiscox - Reassuring: we offer a range of cover options that can be tailored to your needs - Flexible: we offer full flexibility to change your policy, with no administration fees - Award-winning cover : we’ve been named Best Small Business Insurer 7 years running by Start Your Business Magazine Please click this link for the Hiscox Referral Portal: https://refer.aklamio.com/hiscox/uk?source=postpurchase Thank you again for choosing Hiscox to insure your business. We hope you and your business have a very successful year. Kind regards Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Your Hiscox Insurance Premium breakdown The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). Cover Professional indemnity Legal protection Crisis containment . Last year’s annual premium (exc IPT) £5,680.59 £2,700.09 £0.00 . This year’s annual Premium (exc IPT) £5,680.59 £2,700.09 . Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) . Professional indemnity £5,680.59 £5,680.59 . Legal protection £2,700.09 £2,700.09 . 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: Sharon Fletcher 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 12/11/2020 £1,886.00 Where your chosen collection date falls ona non-working day then we will endeavour to collect the next working day. For your information, the collections will be made using the following reference number: Originator Identification Number: 293461 Reference Number: V.RAVS-W/LRIJ_EQGIZ If you have any questions about your policy or payments, please call us on 0800 280 0351. We’re here between 8:30am - 5:30pm Monday to Friday or you can email us at service@hiscox.co.uk. Using your personal information Hiscox isa trading name ofa number of Hiscox companies. The specific company acting asa data controller of your personal information will be listed in the documentation we provide to you. If you are unsure you can also contact us at anytime by telephoning 01904 681198 or by emailing us at dataprotectionofficer@hiscox.com. We collect and process information about you in order to provide insurance policies and to process claims. Your information is also used for business purposes such as fraud prevention and detection and financial management. This may involve sharing your information with, and obtaining information about you from, our group companies and third parties such as brokers, loss adjusters, credit reference agencies, service providers, professional advisors, our regulators or fraud prevention agencies. We may record telephone calls to help us monitor and improve the service we provide. For further information on how your information is used and your rights in relation to your information please see our privacy policy at www.hiscox.co.uk/cookies-privacy. The Direct Debit Guarantee This Guarantee is offered by all banks and building societies that accept instructions to pay Direct Debits. If there are any changes to the amount, date or frequency of your Direct Debit Hiscox Underwriting Ltd will notify you ten working days in advance of your account being debited or as otherwise agreed. If you request Hiscox Underwriting Ltd to collect a payment, confirmation of the amount and date will be given to you at the time of the request. If an error is made in the payment of your Direct Debit by Hiscox Underwriting Ltd or your bank or building society you are entitled to a full and immediate refund of the amount paid from your bank or building society. – If you receive a refund you are not entitled to, you must pay it back when Hiscox Underwriting Ltd asks you to. You can cancel a Direct Debit at anytime by simply contacting your bank or building society. Written confirmation maybe required. Please also notify us. Page / 1 Hiscox Business Insurance Policy summary JAC-PSC-UK-DC556(5.4) 17431b 07/20 Your Hiscox Business Insurance policy summaries This document contains the summaries for any policy covers you have selected to protect your business. These summaries outline the key information about your policies so you can be confident that you have understood what you have bought and what you are covered for. However, you should carefully read your policy in full and ensure that you understand its terms and conditions in full. If you have any queries, you should contact Hiscox or your insurance advisor. Your side of the bargain Remember, your premium and insurance are based on the details you have provided to us. Please make sure this information accurately reflects your business and that you inform us immediately if anything needs to change. Please also tell us of any changes in circumstances that may affect the services provided by us or the cover provided by your policy. This is particularly important before taking out a policy, but it also applies throughout the life of the policy too. You need to consider: ■if you fail to fairly present the risk to us, including by failing to disclose any information material to the insurance, you could invalidate the policy, claims may not be paid or the amount we pay maybe reduced; ■you should read and check all insurance documents to ensure that you are aware of the cover, limits and other terms that apply; ■if you fail to let us know of any changes to your circumstances during the period of insurance or, if when telling us about such changes you fail to present the risk to us fairly, you could invalidate the policy, claims may not be paid or the amount we pay maybe reduced; ■please be aware of all terms and conditions of your policy because failure to comply with them could invalidate it or result in us not paying a claim or reducing the amount we pay; ■in the event ofa claim, you should take note of the required procedures, such as giving Hiscox prompt notice of the claims, as stated in the policy documentation. In particular, if you fail to notify us when you first become aware ofa shortcoming, fact, or problem, admit you are liable for what has happened or appoint solicitors or other legal representation without our prior written approval, claims or defence costs may not be paid or the amount we pay maybe reduced; ■as with any insurance, you have an obligation to take reasonable steps to mitigate any loss or liability; ■if you make a fraudulent claim or try to deceive us, we may terminate the policy. Policy length The period of insurance is shown on your policy schedule. Your policy schedule will also show if the policy is ona continuing cover basis. If itis ona continuing cover basis, we will renew your policy each year for another 12 months and continue to take payment (including any premium adjustment shown in your renewal invitation) using your existing arrangement, unless you tell us otherwise or if your risk changes. If your policy schedule does not show that the policy is ona continuing cover basis, cover will cease at the end of the period of insurance, unless you renew your policy with us. We will provide you witha statement of fact each year and provided that the information contained within the statement of fact is true, complete and accurate, you do not need to provide us with any further information. If any of the information in your statement of fact is not true, complete and accurate, you must let us know. If you do not let us know, it may affect the validity of the policy or our ability to pay a claim. Retroactive dates, geographical and jurisdiction limits Where any section of your policy schedule includes a retroactive date, we will not make any payment for any claim or loss under that section which arises from any activity performed or any act, incident or occurrence taking place, before the retroactive date. Where any section of your policy schedule shows the geographical limits which apply to that section of the policy, we will only pay for claims and losses under that section which arise from activities performed or acts, incidents or occurrences taking place within those geographical limits. Where any section provides cover in respect of your liability to third parties, we will only cover claims first made ina country within the applicable courts stated in that section of your policy schedule. Hiscox Business Insurance Policy summary JAC-PSC-UK-DC556(5.4) 17431b 07/20 Cancellation rights You can cancel this policy by giving us 30 days' notice. You will only be charged for the premiums due up to the date of cancellation. If we need to cancel the policy, we’ll give you 30 days’ notice in writing and refund any surplus premiums you might have paid. Please note – we may deduct an administration fee from any refunded payment.There is an exception to our 30-day notice period, which is triggered when we don’t receive your Direct Debit payments within the agreed 14-day period. At this point, we will contact you as soon as possible and stop the policyPage / 2 immediately. Underwritten by:Hiscox Underwriting Ltd on behalf of the insurers named in the schedule. Page / 1 Certificate of professional indemnity insurance Lord-Farmer Hiscox Underwriting Ltd of 1 Great St. Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Certificate of professional indemnity Insurance Policy number:V.RAVS-W/LRIJ_EQGIZ Name of policy holder:Lord-Farmer Period of insurance: From 13/05/2021 to Thursday 19 December, 2024 both days inclusive. This policy isa Continuing cover policy Insurer: Hiscox Insurance Company Limited Retroactive date: 25/11/19 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: 13/05/2021 Insurance details Policy number: V.RAVS-W/LRIJ_EQGIZ Period of insurance: From 13/05/2021 to Thursday 19 December, 2024 both days inclusive. This policy isa Continuing cover policy. Insured: Lord-Farmer Address: Flat 28L Kerry landing Hayleyberg FARNHAM LU3 3GR Additional insureds: None Business: Management Consultants Premium details Charged premium – the total amount you’ll pay for this policy. Charged premium: £3,495.08 Insurance Premium Tax (IPT): £7,350.78 Total charged premium: £1,886.00 Annualised premium – the annual premium for this policy. This is given for comparison purposes. Please refer to the charged premium section for the amount you’ll pay for the policy. Annual premium: £3,495.08 Insurance Premium Tax (IPT): £7,350.78 Annual total: £1,886.00 Please note that there will be no refund or additional premium for any transaction which is less than £20 (excluding IPT). Hiscox Business Insurance Policy Schedule 14502 10/18 Summary Claims information If you need to make a claim: - For claims relating to your building or contents please contact our claims team on 0800 247 1902, 9.00am – 5:30pm Monday to Friday. If you wish to make a claim online, you can log most claims quickly and easily through our claims notification portal at https://claims.hiscox.co.uk/. Outside of normal business hours, if you require emergency assistance in relation to substantial damage to your property, you can speak to our 24-hour emergency assistance team using the telephone number above. Your policy schedule will state if property cover is included in your policy. Our out-of-hours emergency assistance team operate ona pay-and-claim basis and you will need to have credit card details available as appropriate. The team will then be able to direct you to essential tradesmen, emergency loss adjusters or disaster management companies in the event of substantial damage. - If there isa claim (or potential claim) against you bya third party, please email us at liability.claims@hiscox.com. If you need to speak to a member of the claims team urgently, please call our team on 0800 711 7156, 9.00am – 5:30pm Monday to Friday. If you wish to make a claim online, you can log most claims quickly and easily through our claims notification portal at https://claims.hiscox.co.uk/. You will need to provide your full name and contact details, the name of your business or organisation, your address and postcode, the policy reference and circumstances of the claim. The Important information and contact details section below contains additional information specific to the covers applicable to your policy. If you are unsure of who to contact please call our team on 0800 711 7156, 9.00am – 5:30pm Monday to Friday. They will ensure you get through to the correct claims team and let you know what actions you need to take. If anything happens that might be covered under the policy, you must comply with the obligations set out in General claims conditions, together with the obligations set out under Your obligations in the section or sections under which you are making the claim. Itis important that you read the policy for details of its terms in full. Your covers This isa summary of each section of your policy. See each section for cover details. Cover Insurance amount Excess Annual Premium (exc IPT) Professional indemnity £1,000,000 £1,000 £5,680.59 Legal protection £100,000 £0 £2,700.09 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: 13/05/2021 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 25/11/19 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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V.RAVS-W/LRIJ_EQGIZ
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(?<=Policy number - )[-\w_\/\.]+?(?= Company name)
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13/05/2021
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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 - NCCFTSB Company name: Connor PLC It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : NCCFTSB. Company name: Connor PLC. Your Hiscox Insurance premium. Last year’s annual premium: This year’s annual premium. £ 7,250.85. £ 7,250.85. The premium includes all applicable insurance premium tax (IPT). Dear Mr Mr Graeme Jenkins. Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 16 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. £4,974.78. £4,974.78. Legal protection. £9,198.43. £9,198.43. 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 Connor PLC , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay. . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover. Policy summary for each cover. ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover . As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before 16 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 : NCCFTSB Company name: Connor PLC . It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : NCCFTSB Company name: Connor PLC . Your Hiscox Insurance premium Last year’s annual premium: This year’s annual premium The premium includes all applicable insurance premium tax (IPT). £ 7,250.85 £ 7,250.85 . Your Hiscox Insurance premium . Last year’s annual premium: This year’s annual premium £ 7,250.85 £ 7,250.85 . The premium includes all applicable insurance premium tax (IPT). Dear Mr Mr Graeme Jenkins . Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 16 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 £4,974.78 £4,974.78 Legal protection £9,198.43 £9,198.43 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 Connor PLC , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover Policy summary for each cover ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before 16 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 16 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 £4,974.78 £4,974.78 Legal protection £9,198.43 £9,198.43 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 Connor PLC , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover Policy summary for each cover ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before 16 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) £4,974.78 £9,198.43 £0.00 . This year’s annual Premium (exc IPT) £4,974.78 £9,198.43 . Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) . Professional indemnity £4,974.78 £4,974.78 . Legal protection £9,198.43 £9,198.43 . 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: Mr Graeme Jenkins 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 May, 2025 £7,250.85 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: NCCFTSB 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 Connor 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:NCCFTSB Name of policy holder:Connor PLC Period of insurance: From 16 October, 2022 to Saturday 12 April, 2025 both days inclusive. This policy isa Continuing cover policy Insurer: Hiscox Insurance Company Limited Retroactive date: 03/04/24 Level of cover:£1,000,000 Signed on behalf of Hiscox Underwriting Limited as agent for the insurers Jon Dye CEO, Hiscox UK Notes: (a) This insurance is subject to policy terms and conditions and any special terms notified to the InsuredPage / 1 Hiscox Business Insurance Policy Schedule 14502 10/18 This schedule tells you what is insured with us. It should be read carefully with your policy wording(s) and statement of fact detailed elsewhere in this document. Schedule effective date: 16 October, 2022 Insurance details Policy number: NCCFTSB Period of insurance: From 16 October, 2022 to Saturday 12 April, 2025 both days inclusive. This policy isa Continuing cover policy. Insured: Connor PLC Address: Studio 81A Justin walks South Abbie FARNHAM M2 6QU Additional insureds: None Business: Management Consultants Premium details Charged premium – the total amount you’ll pay for this policy. Charged premium: £2,175.34 Insurance Premium Tax (IPT): £5,703.49 Total charged premium: £7,250.85 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: £2,175.34 Insurance Premium Tax (IPT): £5,703.49 Annual total: £7,250.85 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 £4,974.78 Legal protection £100,000 £0 £9,198.43 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: 16 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 03/04/24 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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NCCFTSB
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(?<=Policy number - )[-\w_\/\.]+?(?= Company name)
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16 October, 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 - SQ/PWZ-HSA9.B3T Company name: Scott Inc It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : SQ/PWZ-HSA9.B3T. Company name: Scott Inc. Your Hiscox Insurance premium. Last year’s annual premium: This year’s annual premium. £ 7,533.30. £ 7,533.30. The premium includes all applicable insurance premium tax (IPT). Dear Ms Dr Ian Riley. Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on Sat 18 June, 2022 . Good news; if you want cover to continue with us and to make sure you stay protected by our award-winning cover, you do not need to do anything. We will update your policy onto our latest wording and continue to collect payment using the payment details we have for you. You must read the important information contained in this email and the attached documents. Your Hiscox Insurance Premium breakdown. The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). The amount shown as last year’s Annual premium will take into account any changes to the cover which may have been made during the last policy period. Cover. Last year’s annual premium (exc IPT). This year’s annual Premium (exc IPT). Professional indemnity. £9,721.64. £9,721.64. Legal protection. £5,707.88. £5,707.88. 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 Scott 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 Sat 18 June, 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 : SQ/PWZ-HSA9.B3T Company name: Scott Inc . It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : SQ/PWZ-HSA9.B3T Company name: Scott Inc . Your Hiscox Insurance premium Last year’s annual premium: This year’s annual premium The premium includes all applicable insurance premium tax (IPT). £ 7,533.30 £ 7,533.30 . Your Hiscox Insurance premium . Last year’s annual premium: This year’s annual premium £ 7,533.30 £ 7,533.30 . The premium includes all applicable insurance premium tax (IPT). Dear Ms Dr Ian Riley . Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on Sat 18 June, 2022 . Good news; if you want cover to continue with us and to make sure you stay protected by our award-winning cover, you do not need to do anything. We will update your policy onto our latest wording and continue to collect payment using the payment details we have for you. You must read the important information contained in this email and the attached documents Your Hiscox Insurance Premium breakdown The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). The amount shown as last year’s Annual premium will take into account any changes to the cover which may have been made during the last policy period. Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) Professional indemnity £9,721.64 £9,721.64 Legal protection £5,707.88 £5,707.88 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 Scott 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 Sat 18 June, 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 18 June, 2022 . Good news; if you want cover to continue with us and to make sure you stay protected by our award-winning cover, you do not need to do anything. We will update your policy onto our latest wording and continue to collect payment using the payment details we have for you. You must read the important information contained in this email and the attached documents Your Hiscox Insurance Premium breakdown The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). The amount shown as last year’s Annual premium will take into account any changes to the cover which may have been made during the last policy period. Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) Professional indemnity £9,721.64 £9,721.64 Legal protection £5,707.88 £5,707.88 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 Scott 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 Sat 18 June, 2022 . We’re here between 8:30am - 5:30pm Monday to Friday . Please note that we can only discuss policy changes with people named on the policy. Why renew with Hiscox - Reassuring: we offer a range of cover options that can be tailored to your needs - Flexible: we offer full flexibility to change your policy, with no administration fees - Award-winning cover : we’ve been named Best Small Business Insurer 7 years running by Start Your Business Magazine Please click this link for the Hiscox Referral Portal: https://refer.aklamio.com/hiscox/uk?source=postpurchase Thank you again for choosing Hiscox to insure your business. We hope you and your business have a very successful year. Kind regards Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Your Hiscox Insurance Premium breakdown The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). Cover Professional indemnity Legal protection Crisis containment . Last year’s annual premium (exc IPT) £9,721.64 £5,707.88 £0.00 . This year’s annual Premium (exc IPT) £9,721.64 £5,707.88 . Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) . Professional indemnity £9,721.64 £9,721.64 . Legal protection £5,707.88 £5,707.88 . 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: Dr Ian Riley 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 2025-03-07 £7,533.30 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: SQ/PWZ-HSA9.B3T 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 Scott 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:SQ/PWZ-HSA9.B3T Name of policy holder:Scott Inc Period of insurance: From Sat 18 June, 2022 to 2024-12-30 both days inclusive. This policy isa Continuing cover policy Insurer: Hiscox Insurance Company Limited Retroactive date: 12/01/26 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 18 June, 2022 Insurance details Policy number: SQ/PWZ-HSA9.B3T Period of insurance: From Sat 18 June, 2022 to 2024-12-30 both days inclusive. This policy isa Continuing cover policy. Insured: Scott Inc Address: 2 Dennis knoll West Abigailburgh FARNHAM HP8A 8AW Additional insureds: None Business: Management Consultants Premium details Charged premium – the total amount you’ll pay for this policy. Charged premium: £1,862.03 Insurance Premium Tax (IPT): £9,369.66 Total charged premium: £7,533.30 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: £1,862.03 Insurance Premium Tax (IPT): £9,369.66 Annual total: £7,533.30 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 £9,721.64 Legal protection £100,000 £0 £5,707.88 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: Sat 18 June, 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 12/01/26 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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SQ/PWZ-HSA9.B3T
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(?<=Policy number - )[-\w_\/\.]+?(?= Company name)
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Sat 18 June, 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 - muyfj_/tyzbpjbb. Company name: Kent-Coleman It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : muyfj_/tyzbpjbb.. Company name: Kent-Coleman. Your Hiscox Insurance premium. Last year’s annual premium: This year’s annual premium. £ 3,327.15. £ 3,327.15. The premium includes all applicable insurance premium tax (IPT). Dear Dr Hollie Bennett. Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 2024-03-29 . Good news; if you want cover to continue with us and to make sure you stay protected by our award-winning cover, you do not need to do anything. We will update your policy onto our latest wording and continue to collect payment using the payment details we have for you. You must read the important information contained in this email and the attached documents. Your Hiscox Insurance Premium breakdown. The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). The amount shown as last year’s Annual premium will take into account any changes to the cover which may have been made during the last policy period. Cover. Last year’s annual premium (exc IPT). This year’s annual Premium (exc IPT). Professional indemnity. £5,282.33. £5,282.33. Legal protection. £5,111.59. £5,111.59. 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 Kent-Coleman , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay. . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover. Policy summary for each cover. ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover . As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before 2024-03-29 . We’re here between 8:30am - 5:30pm Monday to Friday . Please note that we can only discuss policy changes with people named on the policy. Why renew with Hiscox. - Reassuring: we offer a range of cover options that can be tailored to your needs. - Flexible: we offer full flexibility to change your policy, with no administration fees . - Award-winning cover : we’ve been named Best Small Business Insurer 7 years running by Start Your Business Magazine . Please click this link for the Hiscox Referral Portal: https://refer.aklamio.com/hiscox/uk?source=postpurchase. Thank you again for choosing Hiscox to insure your business. We hope you and your business have a very successful year. Kind regards. Jon Dye. CEO, Hiscox UK. Business Insurance for the small and the brave. To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre. Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. This email and any files transmitted with it are confidential and intended solely for the use of the individual or entity to whom they are addressed. No one else is authorised to distribute, forward, print, copy or act upon any information contained in this email. If you have received this email in error, please notify the sender. Hiscox Syndicates Limited and Hiscox Insurance Company Limited are authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Hiscox Underwriting Limited, Hiscox Underwriting Services Ltd, Hiscox MGA Ltd and Hiscox ASM Ltd are authorised and regulated by the Financial Conduct Authority. Hiscox Assure SAS is duly registered as an insurance broker with the ORIAS, which is the French Official Registry of Insurance Intermediaries. Hiscox plc is a company registered in England and Wales under company registration number 2837811 and registered office at 1 Great St Helen's, London EC3A 6HX. Hiscox SA is a company registered in Luxembourg at 35 Avenue John F. Kennedy 35F, Luxembourg L-1855, and is authorised by the Commissariat aux Assurances de Luxembourg. It’s time to renew your Hiscox Business Insurance Hiscox Insurance policy number : muyfj_/tyzbpjbb. Company name: Kent-Coleman . It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : muyfj_/tyzbpjbb. Company name: Kent-Coleman . Your Hiscox Insurance premium Last year’s annual premium: This year’s annual premium The premium includes all applicable insurance premium tax (IPT). £ 3,327.15 £ 3,327.15 . Your Hiscox Insurance premium . Last year’s annual premium: This year’s annual premium £ 3,327.15 £ 3,327.15 . The premium includes all applicable insurance premium tax (IPT). Dear Dr Hollie Bennett . Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 2024-03-29 . Good news; if you want cover to continue with us and to make sure you stay protected by our award-winning cover, you do not need to do anything. We will update your policy onto our latest wording and continue to collect payment using the payment details we have for you. You must read the important information contained in this email and the attached documents Your Hiscox Insurance Premium breakdown The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). The amount shown as last year’s Annual premium will take into account any changes to the cover which may have been made during the last policy period. Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) Professional indemnity £5,282.33 £5,282.33 Legal protection £5,111.59 £5,111.59 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 Kent-Coleman , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover Policy summary for each cover ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before 2024-03-29 . We’re here between 8:30am - 5:30pm Monday to Friday . Please note that we can only discuss policy changes with people named on the policy. Why renew with Hiscox - Reassuring: we offer a range of cover options that can be tailored to your needs - Flexible: we offer full flexibility to change your policy, with no administration fees - Award-winning cover : we’ve been named Best Small Business Insurer 7 years running by Start Your Business Magazine Please click this link for the Hiscox Referral Portal: https://refer.aklamio.com/hiscox/uk?source=postpurchase Thank you again for choosing Hiscox to insure your business. We hope you and your business have a very successful year. Kind regards Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 2024-03-29 . Good news; if you want cover to continue with us and to make sure you stay protected by our award-winning cover, you do not need to do anything. We will update your policy onto our latest wording and continue to collect payment using the payment details we have for you. You must read the important information contained in this email and the attached documents Your Hiscox Insurance Premium breakdown The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). The amount shown as last year’s Annual premium will take into account any changes to the cover which may have been made during the last policy period. Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) Professional indemnity £5,282.33 £5,282.33 Legal protection £5,111.59 £5,111.59 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 Kent-Coleman , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover Policy summary for each cover ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before 2024-03-29 . We’re here between 8:30am - 5:30pm Monday to Friday . Please note that we can only discuss policy changes with people named on the policy. Why renew with Hiscox - Reassuring: we offer a range of cover options that can be tailored to your needs - Flexible: we offer full flexibility to change your policy, with no administration fees - Award-winning cover : we’ve been named Best Small Business Insurer 7 years running by Start Your Business Magazine Please click this link for the Hiscox Referral Portal: https://refer.aklamio.com/hiscox/uk?source=postpurchase Thank you again for choosing Hiscox to insure your business. We hope you and your business have a very successful year. Kind regards Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Your Hiscox Insurance Premium breakdown The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). Cover Professional indemnity Legal protection Crisis containment . Last year’s annual premium (exc IPT) £5,282.33 £5,111.59 £0.00 . This year’s annual Premium (exc IPT) £5,282.33 £5,111.59 . Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) . Professional indemnity £5,282.33 £5,282.33 . Legal protection £5,111.59 £5,111.59 . 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: Hollie Bennett Frequency of collection: Annual Sort code: %BANK_SORT_CODE_1% Account number: %BANK_ACCOUNT_NUMBER_1% Your Direct Debit schedule We will take payments on the dates outlined below: Date Amount Thursday 22 April, 2021 £3,327.15 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: muyfj_/tyzbpjbb. 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 Kent-Coleman Hiscox Underwriting 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:muyfj_/tyzbpjbb. Name of policy holder:Kent-Coleman Period of insurance: From 2024-03-29 to Fri 21 April, 2023 both days inclusive. This policy isa Continuing cover policy Insurer: Hiscox Insurance Company Limited Retroactive date: 2021-07-20 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: 2024-03-29 Insurance details Policy number: muyfj_/tyzbpjbb. Period of insurance: From 2024-03-29 to Fri 21 April, 2023 both days inclusive. This policy isa Continuing cover policy. Insured: Kent-Coleman Address: Studio 66 Danielle knolls West Jeffrey FARNHAM LN17 1HS Additional insureds: None Business: Management Consultants Premium details Charged premium – the total amount you’ll pay for this policy. Charged premium: £9,411.92 Insurance Premium Tax (IPT): £4,635.12 Total charged premium: £3,327.15 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: £9,411.92 Insurance Premium Tax (IPT): £4,635.12 Annual total: £3,327.15 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 £5,282.33 Legal protection £100,000 £0 £5,111.59 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: 2024-03-29 Limit of indemnity £1,000,000 Limit applies to in the aggregate, including all costs Excess £1,000 Excess applies to each and every claim or loss, including all costs Geographical limits Worldwide Applicable courts Worldwide (excluding United States of America and Canada) Claims brought in USA or Canada Not covered Additional covers (in addition to overall limit of indemnity stated above) Cover Limit of indemnity Limit applies to Court attendance compensation - employees £250 per person, per day Court attendance compensation - directors and partners£500 per person, per day Court attendance compensation: in total £100,000 in the aggregate Special limits (included within not in addition to the overall limit of indemnity stated above) Cover Limit of indemnity Limit applies to Personal data claims £250,000 in the aggregate, including all costs Business activities Business managementPage / 2 consultant Retroactive date 2021-07-20 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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muyfj_/tyzbpjbb.
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(?<=Policy number - )[-\w_\/\.]+?(?= Company name)
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2024-03-29
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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 - 4NSG46P Company name: Dean-Russell It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : 4NSG46P. Company name: Dean-Russell. Your Hiscox Insurance premium. Last year’s annual premium: This year’s annual premium. £ 4,700.13. £ 4,700.13. The premium includes all applicable insurance premium tax (IPT). Dear Dr George Gray. Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 08 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. £420.32. £420.32. Legal protection. £6,012.61. £6,012.61. 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 Dean-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 08 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 : 4NSG46P Company name: Dean-Russell . It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : 4NSG46P Company name: Dean-Russell . Your Hiscox Insurance premium Last year’s annual premium: This year’s annual premium The premium includes all applicable insurance premium tax (IPT). £ 4,700.13 £ 4,700.13 . Your Hiscox Insurance premium . Last year’s annual premium: This year’s annual premium £ 4,700.13 £ 4,700.13 . The premium includes all applicable insurance premium tax (IPT). Dear Dr George Gray . Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 08 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 £420.32 £420.32 Legal protection £6,012.61 £6,012.61 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 Dean-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 08 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 08 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 £420.32 £420.32 Legal protection £6,012.61 £6,012.61 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 Dean-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 08 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) £420.32 £6,012.61 £0.00 . This year’s annual Premium (exc IPT) £420.32 £6,012.61 . Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) . Professional indemnity £420.32 £420.32 . Legal protection £6,012.61 £6,012.61 . 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: George Gray 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 08 April, 2025 £4,700.13 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: 4NSG46P 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 Dean-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:4NSG46P Name of policy holder:Dean-Russell Period of insurance: From 08 May, 2024 to 2024-09-13 both days inclusive. This policy isa Continuing cover policy Insurer: Hiscox Insurance Company Limited Retroactive date: 07 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: 08 May, 2024 Insurance details Policy number: 4NSG46P Period of insurance: From 08 May, 2024 to 2024-09-13 both days inclusive. This policy isa Continuing cover policy. Insured: Dean-Russell Address: Studio 88z Toby roads Lake Connor FARNHAM M35 1UF Additional insureds: None Business: Management Consultants Premium details Charged premium – the total amount you’ll pay for this policy. Charged premium: £8,864.27 Insurance Premium Tax (IPT): £1,480.62 Total charged premium: £4,700.13 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: £8,864.27 Insurance Premium Tax (IPT): £1,480.62 Annual total: £4,700.13 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 £420.32 Legal protection £100,000 £0 £6,012.61 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: 08 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 07 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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4NSG46P
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(?<=Policy number - )[-\w_\/\.]+?(?= Company name)
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08 May, 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 - CHJLOF.J Company name: Smith Group It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : CHJLOF.J. Company name: Smith Group. Your Hiscox Insurance premium. Last year’s annual premium: This year’s annual premium. £ 1,326.09. £ 1,326.09. The premium includes all applicable insurance premium tax (IPT). Dear Ms Connor Goodwin. Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 27 July, 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. £9,851.83. £9,851.83. Legal protection. £2,853.15. £2,853.15. 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 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 27 July, 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 : CHJLOF.J Company name: Smith Group . It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : CHJLOF.J 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). £ 1,326.09 £ 1,326.09 . Your Hiscox Insurance premium . Last year’s annual premium: This year’s annual premium £ 1,326.09 £ 1,326.09 . The premium includes all applicable insurance premium tax (IPT). Dear Ms Connor Goodwin . Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 27 July, 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 £9,851.83 £9,851.83 Legal protection £2,853.15 £2,853.15 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 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 27 July, 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 July, 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 £9,851.83 £9,851.83 Legal protection £2,853.15 £2,853.15 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 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 27 July, 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) £9,851.83 £2,853.15 £0.00 . This year’s annual Premium (exc IPT) £9,851.83 £2,853.15 . Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) . Professional indemnity £9,851.83 £9,851.83 . Legal protection £2,853.15 £2,853.15 . 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: Connor Goodwin 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 £1,326.09 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: CHJLOF.J 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:CHJLOF.J Name of policy holder:Smith Group Period of insurance: From 27 July, 2019 to 01/04/20 both days inclusive. This policy isa Continuing cover policy Insurer: Hiscox Insurance Company Limited Retroactive date: Sun 17 January, 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: 27 July, 2019 Insurance details Policy number: CHJLOF.J Period of insurance: From 27 July, 2019 to 01/04/20 both days inclusive. This policy isa Continuing cover policy. Insured: Smith Group Address: 9 Howard via East Mohamed FARNHAM B33 1LS Additional insureds: None Business: Management Consultants Premium details Charged premium – the total amount you’ll pay for this policy. Charged premium: £411.89 Insurance Premium Tax (IPT): £9,143.61 Total charged premium: £1,326.09 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: £411.89 Insurance Premium Tax (IPT): £9,143.61 Annual total: £1,326.09 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 £9,851.83 Legal protection £100,000 £0 £2,853.15 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: 27 July, 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 Sun 17 January, 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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CHJLOF.J
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(?<=Policy number - )[-\w_\/\.]+?(?= Company name)
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27 July, 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 - ZLG/4DE2/TKU Company name: Griffin-Cunningham It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : ZLG/4DE2/TKU. Company name: Griffin-Cunningham. Your Hiscox Insurance premium. Last year’s annual premium: This year’s annual premium. £ 3,805.90. £ 3,805.90. The premium includes all applicable insurance premium tax (IPT). Dear Dr Cheryl Sanders. Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on Tuesday 20 May, 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. £1,725.88. £1,725.88. Legal protection. £2,282.56. £2,282.56. Crisis containment. £0.00. Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy . Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government 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-Cunningham , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay. . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover. Policy summary for each cover. ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover . As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, 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 20 May, 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 : ZLG/4DE2/TKU Company name: Griffin-Cunningham . It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : ZLG/4DE2/TKU Company name: Griffin-Cunningham . Your Hiscox Insurance premium Last year’s annual premium: This year’s annual premium The premium includes all applicable insurance premium tax (IPT). £ 3,805.90 £ 3,805.90 . Your Hiscox Insurance premium . Last year’s annual premium: This year’s annual premium £ 3,805.90 £ 3,805.90 . The premium includes all applicable insurance premium tax (IPT). Dear Dr Cheryl Sanders . Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on Tuesday 20 May, 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 £1,725.88 £1,725.88 Legal protection £2,282.56 £2,282.56 Crisis containment £0.00 Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government 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-Cunningham , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover Policy summary for each cover ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, 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 20 May, 2025 . We’re here between 8:30am - 5:30pm Monday to Friday . Please note that we can only discuss policy changes with people named on the policy. Why renew with Hiscox - Reassuring: we offer a range of cover options that can be tailored to your needs - Flexible: we offer full flexibility to change your policy, with no administration fees - Award-winning cover : we’ve been named Best Small Business Insurer 7 years running by Start Your Business Magazine Please click this link for the Hiscox Referral Portal: https://refer.aklamio.com/hiscox/uk?source=postpurchase Thank you again for choosing Hiscox to insure your business. We hope you and your business have a very successful year. Kind regards Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on Tuesday 20 May, 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 £1,725.88 £1,725.88 Legal protection £2,282.56 £2,282.56 Crisis containment £0.00 Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government 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-Cunningham , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover Policy summary for each cover ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, 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 20 May, 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) £1,725.88 £2,282.56 £0.00 . This year’s annual Premium (exc IPT) £1,725.88 £2,282.56 . Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) . Professional indemnity £1,725.88 £1,725.88 . Legal protection £2,282.56 £2,282.56 . 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: Cheryl Sanders 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 19 June, 2025 £3,805.90 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: ZLG/4DE2/TKU 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-Cunningham Hiscox Underwriting 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:ZLG/4DE2/TKU Name of policy holder:Griffin-Cunningham Period of insurance: From Tuesday 20 May, 2025 to 2023-02-28 both days inclusive. This policy isa Continuing cover policy Insurer: Hiscox Insurance Company Limited Retroactive date: 2020-11-17 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: Tuesday 20 May, 2025 Insurance details Policy number: ZLG/4DE2/TKU Period of insurance: From Tuesday 20 May, 2025 to 2023-02-28 both days inclusive. This policy isa Continuing cover policy. Insured: Griffin-Cunningham Address: 2 Clarke rapids West Janice FARNHAM IV2 3ET Additional insureds: None Business: Management Consultants Premium details Charged premium – the total amount you’ll pay for this policy. Charged premium: £3,975.38 Insurance Premium Tax (IPT): £7,962.63 Total charged premium: £3,805.90 Annualised premium – the annual premium for this policy. This is given for comparison purposes. Please refer to the charged premium section for the amount you’ll pay for the policy. Annual premium: £3,975.38 Insurance Premium Tax (IPT): £7,962.63 Annual total: £3,805.90 Please note that there will be no refund or additional premium for any transaction which is less than £20 (excluding IPT). Hiscox Business Insurance Policy Schedule 14502 10/18 Summary Claims information If you need to make a claim: - For claims relating to your building or contents please contact our claims team on 0800 247 1902, 9.00am – 5:30pm Monday to Friday. If you wish to make a claim online, you can log most claims quickly and easily through our claims notification portal at https://claims.hiscox.co.uk/. Outside of normal business hours, if you require emergency assistance in relation to substantial damage to your property, you can speak to our 24-hour emergency assistance team using the telephone number above. Your policy schedule will state if property cover is included in your policy. Our out-of-hours emergency assistance team operate ona pay-and-claim basis and you will need to have credit card details available as appropriate. The team will then be able to direct you to essential tradesmen, emergency loss adjusters or disaster management companies in the event of substantial damage. - If there isa claim (or potential claim) against you bya third party, please email us at liability.claims@hiscox.com. If you need to speak to a member of the claims team urgently, please call our team on 0800 711 7156, 9.00am – 5:30pm Monday to Friday. If you wish to make a claim online, you can log most claims quickly and easily through our claims notification portal at https://claims.hiscox.co.uk/. You will need to provide your full name and contact details, the name of your business or organisation, your address and postcode, the policy reference and circumstances of the claim. The Important information and contact details section below contains additional information specific to the covers applicable to your policy. If you are unsure of who to contact please call our team on 0800 711 7156, 9.00am – 5:30pm Monday to Friday. They will ensure you get through to the correct claims team and let you know what actions you need to take. If anything happens that might be covered under the policy, you must comply with the obligations set out in General claims conditions, together with the obligations set out under Your obligations in the section or sections under which you are making the claim. Itis important that you read the policy for details of its terms in full. Your covers This isa summary of each section of your policy. See each section for cover details. Cover Insurance amount Excess Annual Premium (exc IPT) Professional indemnity £1,000,000 £1,000 £1,725.88 Legal protection £100,000 £0 £2,282.56 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 20 May, 2025 Limit of indemnity £1,000,000 Limit applies to in the aggregate, including all costs Excess £1,000 Excess applies to each and every claim or loss, including all costs Geographical limits Worldwide Applicable courts Worldwide (excluding United States of America and Canada) Claims brought in USA or Canada Not covered Additional covers (in addition to overall limit of indemnity stated above) Cover Limit of indemnity Limit applies to Court attendance compensation - employees £250 per person, per day Court attendance compensation - directors and partners£500 per person, per day Court attendance compensation: in total £100,000 in the aggregate Special limits (included within not in addition to the overall limit of indemnity stated above) Cover Limit of indemnity Limit applies to Personal data claims £250,000 in the aggregate, including all costs Business activities Business managementPage / 2 consultant Retroactive date 2020-11-17 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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ZLG/4DE2/TKU
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(?<=Policy number - )[-\w_\/\.]+?(?= Company name)
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Tuesday 20 May, 2025
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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 - vlhsmfzo/v-ok_uwi Company name: Archer Inc It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : vlhsmfzo/v-ok_uwi. Company name: Archer Inc. Your Hiscox Insurance premium. Last year’s annual premium: This year’s annual premium. £ 7,624.69. £ 7,624.69. The premium includes all applicable insurance premium tax (IPT). Dear Mrs Matthew Rees. Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on Mon 21 August, 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. £5,128.11. £5,128.11. Legal protection. £7,213.78. £7,213.78. 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 Archer 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 Mon 21 August, 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 : vlhsmfzo/v-ok_uwi Company name: Archer Inc . It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : vlhsmfzo/v-ok_uwi Company name: Archer Inc . Your Hiscox Insurance premium Last year’s annual premium: This year’s annual premium The premium includes all applicable insurance premium tax (IPT). £ 7,624.69 £ 7,624.69 . Your Hiscox Insurance premium . Last year’s annual premium: This year’s annual premium £ 7,624.69 £ 7,624.69 . The premium includes all applicable insurance premium tax (IPT). Dear Mrs Matthew Rees . Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on Mon 21 August, 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 £5,128.11 £5,128.11 Legal protection £7,213.78 £7,213.78 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 Archer 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 Mon 21 August, 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 Mon 21 August, 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 £5,128.11 £5,128.11 Legal protection £7,213.78 £7,213.78 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 Archer 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 Mon 21 August, 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) £5,128.11 £7,213.78 £0.00 . This year’s annual Premium (exc IPT) £5,128.11 £7,213.78 . Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) . Professional indemnity £5,128.11 £5,128.11 . Legal protection £7,213.78 £7,213.78 . 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: Matthew Rees Frequency of collection: Annual Sort code: %BANK_SORT_CODE_1% Account number: %BANK_ACCOUNT_NUMBER_1% Your Direct Debit schedule We will take payments on the dates outlined below: Date Amount Fri 29 November, 2019 £7,624.69 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: vlhsmfzo/v-ok_uwi 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 Archer 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:vlhsmfzo/v-ok_uwi Name of policy holder:Archer Inc Period of insurance: From Mon 21 August, 2023 to Tue 09 March, 2021 both days inclusive. This policy isa Continuing cover policy Insurer: Hiscox Insurance Company Limited Retroactive date: 12 May, 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: Mon 21 August, 2023 Insurance details Policy number: vlhsmfzo/v-ok_uwi Period of insurance: From Mon 21 August, 2023 to Tue 09 March, 2021 both days inclusive. This policy isa Continuing cover policy. Insured: Archer Inc Address: 950 Beverley trafficway Bradleyhaven FARNHAM CO5 6DW Additional insureds: None Business: Management Consultants Premium details Charged premium – the total amount you’ll pay for this policy. Charged premium: £6,011.06 Insurance Premium Tax (IPT): £6,755.76 Total charged premium: £7,624.69 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: £6,011.06 Insurance Premium Tax (IPT): £6,755.76 Annual total: £7,624.69 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 £5,128.11 Legal protection £100,000 £0 £7,213.78 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: Mon 21 August, 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 12 May, 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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vlhsmfzo/v-ok_uwi
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(?<=Policy number - )[-\w_\/\.]+?(?= Company name)
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Mon 21 August, 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 - WMYRBEXOZGSQETIXQIS Company name: Griffiths-Little It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : WMYRBEXOZGSQETIXQIS. Company name: Griffiths-Little. Your Hiscox Insurance premium. Last year’s annual premium: This year’s annual premium. £ 8,707.98. £ 8,707.98. The premium includes all applicable insurance premium tax (IPT). Dear Mr Carolyn Holmes. Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on Thu 24 November, 2022 . Good news; if you want cover to continue with us and to make sure you stay protected by our award-winning cover, you do not need to do anything. We will update your policy onto our latest wording and continue to collect payment using the payment details we have for you. You must read the important information contained in this email and the attached documents. Your Hiscox Insurance Premium breakdown. The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). The amount shown as last year’s Annual premium will take into account any changes to the cover which may have been made during the last policy period. Cover. Last year’s annual premium (exc IPT). This year’s annual Premium (exc IPT). Professional indemnity. £1,688.22. £1,688.22. Legal protection. £1,660.04. £1,660.04. 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 Griffiths-Little , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay. . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover. Policy summary for each cover. ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover . As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before Thu 24 November, 2022 . We’re here between 8:30am - 5:30pm Monday to Friday . Please note that we can only discuss policy changes with people named on the policy. Why renew with Hiscox. - Reassuring: we offer a range of cover options that can be tailored to your needs. - Flexible: we offer full flexibility to change your policy, with no administration fees . - Award-winning cover : we’ve been named Best Small Business Insurer 7 years running by Start Your Business Magazine . Please click this link for the Hiscox Referral Portal: https://refer.aklamio.com/hiscox/uk?source=postpurchase. Thank you again for choosing Hiscox to insure your business. We hope you and your business have a very successful year. Kind regards. Jon Dye. CEO, Hiscox UK. Business Insurance for the small and the brave. To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre. Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. This email and any files transmitted with it are confidential and intended solely for the use of the individual or entity to whom they are addressed. No one else is authorised to distribute, forward, print, copy or act upon any information contained in this email. If you have received this email in error, please notify the sender. Hiscox Syndicates Limited and Hiscox Insurance Company Limited are authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Hiscox Underwriting Limited, Hiscox Underwriting Services Ltd, Hiscox MGA Ltd and Hiscox ASM Ltd are authorised and regulated by the Financial Conduct Authority. Hiscox Assure SAS is duly registered as an insurance broker with the ORIAS, which is the French Official Registry of Insurance Intermediaries. Hiscox plc is a company registered in England and Wales under company registration number 2837811 and registered office at 1 Great St Helen's, London EC3A 6HX. Hiscox SA is a company registered in Luxembourg at 35 Avenue John F. Kennedy 35F, Luxembourg L-1855, and is authorised by the Commissariat aux Assurances de Luxembourg. It’s time to renew your Hiscox Business Insurance Hiscox Insurance policy number : WMYRBEXOZGSQETIXQIS Company name: Griffiths-Little . It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : WMYRBEXOZGSQETIXQIS Company name: Griffiths-Little . Your Hiscox Insurance premium Last year’s annual premium: This year’s annual premium The premium includes all applicable insurance premium tax (IPT). £ 8,707.98 £ 8,707.98 . Your Hiscox Insurance premium . Last year’s annual premium: This year’s annual premium £ 8,707.98 £ 8,707.98 . The premium includes all applicable insurance premium tax (IPT). Dear Mr Carolyn Holmes . Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on Thu 24 November, 2022 . Good news; if you want cover to continue with us and to make sure you stay protected by our award-winning cover, you do not need to do anything. We will update your policy onto our latest wording and continue to collect payment using the payment details we have for you. You must read the important information contained in this email and the attached documents Your Hiscox Insurance Premium breakdown The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). The amount shown as last year’s Annual premium will take into account any changes to the cover which may have been made during the last policy period. Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) Professional indemnity £1,688.22 £1,688.22 Legal protection £1,660.04 £1,660.04 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 Griffiths-Little , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover Policy summary for each cover ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before Thu 24 November, 2022 . We’re here between 8:30am - 5:30pm Monday to Friday . Please note that we can only discuss policy changes with people named on the policy. Why renew with Hiscox - Reassuring: we offer a range of cover options that can be tailored to your needs - Flexible: we offer full flexibility to change your policy, with no administration fees - Award-winning cover : we’ve been named Best Small Business Insurer 7 years running by Start Your Business Magazine Please click this link for the Hiscox Referral Portal: https://refer.aklamio.com/hiscox/uk?source=postpurchase Thank you again for choosing Hiscox to insure your business. We hope you and your business have a very successful year. Kind regards Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on Thu 24 November, 2022 . Good news; if you want cover to continue with us and to make sure you stay protected by our award-winning cover, you do not need to do anything. We will update your policy onto our latest wording and continue to collect payment using the payment details we have for you. You must read the important information contained in this email and the attached documents Your Hiscox Insurance Premium breakdown The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). The amount shown as last year’s Annual premium will take into account any changes to the cover which may have been made during the last policy period. Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) Professional indemnity £1,688.22 £1,688.22 Legal protection £1,660.04 £1,660.04 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 Griffiths-Little , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover Policy summary for each cover ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before Thu 24 November, 2022 . We’re here between 8:30am - 5:30pm Monday to Friday . Please note that we can only discuss policy changes with people named on the policy. Why renew with Hiscox - Reassuring: we offer a range of cover options that can be tailored to your needs - Flexible: we offer full flexibility to change your policy, with no administration fees - Award-winning cover : we’ve been named Best Small Business Insurer 7 years running by Start Your Business Magazine Please click this link for the Hiscox Referral Portal: https://refer.aklamio.com/hiscox/uk?source=postpurchase Thank you again for choosing Hiscox to insure your business. We hope you and your business have a very successful year. Kind regards Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Your Hiscox Insurance Premium breakdown The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). Cover Professional indemnity Legal protection Crisis containment . Last year’s annual premium (exc IPT) £1,688.22 £1,660.04 £0.00 . This year’s annual Premium (exc IPT) £1,688.22 £1,660.04 . Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) . Professional indemnity £1,688.22 £1,688.22 . Legal protection £1,660.04 £1,660.04 . 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: Carolyn Holmes Frequency of collection: Annual Sort code: %BANK_SORT_CODE_1% Account number: %BANK_ACCOUNT_NUMBER_1% Your Direct Debit schedule We will take payments on the dates outlined below: Date Amount 21/07/2021 £8,707.98 Where your chosen collection date falls ona non-working day then we will endeavour to collect the next working day. For your information, the collections will be made using the following reference number: Originator Identification Number: 293461 Reference Number: WMYRBEXOZGSQETIXQIS 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-Little Hiscox Underwriting Ltd of 1 Great St. Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Certificate of professional indemnity Insurance Policy number:WMYRBEXOZGSQETIXQIS Name of policy holder:Griffiths-Little Period of insurance: From Thu 24 November, 2022 to Wed 20 February, 2019 both days inclusive. This policy isa Continuing cover policy Insurer: Hiscox Insurance Company Limited Retroactive date: Thursday 24 July, 2025 Level of cover:£1,000,000 Signed on behalf of Hiscox Underwriting Limited as agent for the insurers Jon Dye CEO, Hiscox UK Notes: (a) This insurance is subject to policy terms and conditions and any special terms notified to the InsuredPage / 1 Hiscox Business Insurance Policy Schedule 14502 10/18 This schedule tells you what is insured with us. It should be read carefully with your policy wording(s) and statement of fact detailed elsewhere in this document. Schedule effective date: Thu 24 November, 2022 Insurance details Policy number: WMYRBEXOZGSQETIXQIS Period of insurance: From Thu 24 November, 2022 to Wed 20 February, 2019 both days inclusive. This policy isa Continuing cover policy. Insured: Griffiths-Little Address: Flat 46 Middleton alley West Tracey FARNHAM L1U 1LH Additional insureds: None Business: Management Consultants Premium details Charged premium – the total amount you’ll pay for this policy. Charged premium: £1,323.72 Insurance Premium Tax (IPT): £728.09 Total charged premium: £8,707.98 Annualised premium – the annual premium for this policy. This is given for comparison purposes. Please refer to the charged premium section for the amount you’ll pay for the policy. Annual premium: £1,323.72 Insurance Premium Tax (IPT): £728.09 Annual total: £8,707.98 Please note that there will be no refund or additional premium for any transaction which is less than £20 (excluding IPT). Hiscox Business Insurance Policy Schedule 14502 10/18 Summary Claims information If you need to make a claim: - For claims relating to your building or contents please contact our claims team on 0800 247 1902, 9.00am – 5:30pm Monday to Friday. If you wish to make a claim online, you can log most claims quickly and easily through our claims notification portal at https://claims.hiscox.co.uk/. Outside of normal business hours, if you require emergency assistance in relation to substantial damage to your property, you can speak to our 24-hour emergency assistance team using the telephone number above. Your policy schedule will state if property cover is included in your policy. Our out-of-hours emergency assistance team operate ona pay-and-claim basis and you will need to have credit card details available as appropriate. The team will then be able to direct you to essential tradesmen, emergency loss adjusters or disaster management companies in the event of substantial damage. - If there isa claim (or potential claim) against you bya third party, please email us at liability.claims@hiscox.com. If you need to speak to a member of the claims team urgently, please call our team on 0800 711 7156, 9.00am – 5:30pm Monday to Friday. If you wish to make a claim online, you can log most claims quickly and easily through our claims notification portal at https://claims.hiscox.co.uk/. You will need to provide your full name and contact details, the name of your business or organisation, your address and postcode, the policy reference and circumstances of the claim. The Important information and contact details section below contains additional information specific to the covers applicable to your policy. If you are unsure of who to contact please call our team on 0800 711 7156, 9.00am – 5:30pm Monday to Friday. They will ensure you get through to the correct claims team and let you know what actions you need to take. If anything happens that might be covered under the policy, you must comply with the obligations set out in General claims conditions, together with the obligations set out under Your obligations in the section or sections under which you are making the claim. Itis important that you read the policy for details of its terms in full. Your covers This isa summary of each section of your policy. See each section for cover details. Cover Insurance amount Excess Annual Premium (exc IPT) Professional indemnity £1,000,000 £1,000 £1,688.22 Legal protection £100,000 £0 £1,660.04 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: Thu 24 November, 2022 Limit of indemnity £1,000,000 Limit applies to in the aggregate, including all costs Excess £1,000 Excess applies to each and every claim or loss, including all costs Geographical limits Worldwide Applicable courts Worldwide (excluding United States of America and Canada) Claims brought in USA or Canada Not covered Additional covers (in addition to overall limit of indemnity stated above) Cover Limit of indemnity Limit applies to Court attendance compensation - employees £250 per person, per day Court attendance compensation - directors and partners£500 per person, per day Court attendance compensation: in total £100,000 in the aggregate Special limits (included within not in addition to the overall limit of indemnity stated above) Cover Limit of indemnity Limit applies to Personal data claims £250,000 in the aggregate, including all costs Business activities Business managementPage / 2 consultant Retroactive date Thursday 24 July, 2025 Insurer Hiscox Insurance Company LimitedPage / 1 Hiscox Insurance Summary of change Introduction This document has been created to help you understand the key changes to your Hiscox Insurance policy and how they may impact you. Your policy continues to offer professional, tailored insurance to protect you and give you peace of mind that if you need us, you will be supported by our award winning claims team. If you have a query not covered by this document, or if you have any questions or concerns about your policy you should contact us. Frequently asked questions What if my circumstances change during the period of insurance? If your circumstances change during the period of insurance, you only need to let us know if the change means that any of the information in the Statement of Fact is no longer true, complete and accurate. If there are no such changes, you do not need to let us know. If any of the information within the Statement of Fact becomes no longer complete, true or accurate at any point during the period of insurance you must tell us as it may affect the validity of the policy or our ability to pay a claim. Additionally, if your contact details change then you should let us know straightaway. Where doI find the limits that apply to my policy? You can find your maximum allowable limits for turnover and wage rollin your Statement of Fact. You must check this information and tell us or your broker if you expect to exceed the maximum amounts shown. Please note these values may have changed. If there are special limits or special excesses applying to particular covers or types of losses these will be shown in the policy schedule. Please check your policy schedule carefully as they may have changed. My new schedule shows a different premium to last year? What has changed? If an underwriter has reviewed your policy then they may have manually adjusted your premium, for example if you’ve had claims in the last 12 months. Where doI find out about any endorsements on my policy? You will be able to see if an endorsement has been applied or removed by reviewing your Policy Schedule. If you have any queries or concerns, please contact us or your broker if you have one. Hiscox Insurance Summary of change Professional indemnity for business management consultants Summary of change Changes to the cover The following table shows the differences between our new policy wordings (5570 WD- PROF-UK-MAN(7), 15579 WD-PROF-UK-MAN-AG(3)) and our previous wordings (5570 WD-PROF-UK-MAN(6), 15579 WD-PROF-UK-MAN-AG(2)). This isa summary of the changes only. You should refer to the schedule and policy wording for the full description of the cover in place. Area of cover Previous policy New policy Improvement in cover Claims against you Advertising claims. We will pay claims arising from your advertising or branding for defamation or infringement of copyright or moral rights. This does not include claims for passing off, unauthorised use of trademarks or false or misleading advertising. Previously cover was not restricted to defamation or the infringement of copyright or moral rights.Covered Amended Your own lossesChanges to ‘what is covered’ Losses from dishonesty. Your losses arising from the dishonesty of your employees, sub-contractors or outsourcers.Covered Not covered Area of cover Previous policy New policy Improvement in cover Cyber incident. We will not pay claims relating to an actual or possible cyber attack, hacker or social engineering communication. Previously we excluded any virus not specifically targeted at your system.Covered Not covered Computer or digital technology error. We will not pay claims arising from any negligent act, error or omission in the operation or maintenance of computer or digital technology such as development, installation, patching or upgrading.Covered Not coveredChanges to ‘what is not covered’ Infrastructure. We will not pay claims arising from the failure of the service provided by internet, telecommunications, utilities or other infrastructure providers.Covered Not covered Hiscox Insurance Summary of change Personal data. We will not pay claims relating to personal data. We will pay such claims where they arise from your performance ofa business activity and which is not otherwise excluded. Subject to the limit shown in the schedule.Covered Not covered Other important changes Control of defence. Under the previous wording we had a duty to defend you against any covered claim brought against you. We now have the right but not the obligation to take control of the conduct of the claim including the appointment of legal representation. Please refer to the policy wording for full details. SOC-PROF-UK-MAN(1) 21367 01/21
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WMYRBEXOZGSQETIXQIS
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(?<=Policy number - )[-\w_\/\.]+?(?= Company name)
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Thu 24 November, 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 - IM61K437PSW.L_7/W6KO/.TJB Company name: Jones-Jordan It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : IM61K437PSW.L_7/W6KO/.TJB. Company name: Jones-Jordan. Your Hiscox Insurance premium. Last year’s annual premium: This year’s annual premium. £ 8,691.79. £ 8,691.79. The premium includes all applicable insurance premium tax (IPT). Dear Miss Neil Taylor. Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 2023-12-20 . 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. £6,453.36. £6,453.36. Legal protection. £1,224.44. £1,224.44. Crisis containment. £0.00. Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy . Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government 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-Jordan , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay. . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover. Policy summary for each cover. ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover . As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before 2023-12-20 . 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 : IM61K437PSW.L_7/W6KO/.TJB Company name: Jones-Jordan . It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : IM61K437PSW.L_7/W6KO/.TJB Company name: Jones-Jordan . Your Hiscox Insurance premium Last year’s annual premium: This year’s annual premium The premium includes all applicable insurance premium tax (IPT). £ 8,691.79 £ 8,691.79 . Your Hiscox Insurance premium . Last year’s annual premium: This year’s annual premium £ 8,691.79 £ 8,691.79 . The premium includes all applicable insurance premium tax (IPT). Dear Miss Neil Taylor . Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 2023-12-20 . 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 £6,453.36 £6,453.36 Legal protection £1,224.44 £1,224.44 Crisis containment £0.00 Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government 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-Jordan , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover Policy summary for each cover ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before 2023-12-20 . 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 2023-12-20 . 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 £6,453.36 £6,453.36 Legal protection £1,224.44 £1,224.44 Crisis containment £0.00 Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government 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-Jordan , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover Policy summary for each cover ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before 2023-12-20 . 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) £6,453.36 £1,224.44 £0.00 . This year’s annual Premium (exc IPT) £6,453.36 £1,224.44 . Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) . Professional indemnity £6,453.36 £6,453.36 . Legal protection £1,224.44 £1,224.44 . 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: Neil Taylor Frequency of collection: Annual Sort code: %BANK_SORT_CODE_1% Account number: %BANK_ACCOUNT_NUMBER_1% Your Direct Debit schedule We will take payments on the dates outlined below: Date Amount 25/11/2025 £8,691.79 Where your chosen collection date falls ona non-working day then we will endeavour to collect the next working day. For your information, the collections will be made using the following reference number: Originator Identification Number: 293461 Reference Number: IM61K437PSW.L_7/W6KO/.TJB 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-Jordan Hiscox Underwriting 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:IM61K437PSW.L_7/W6KO/.TJB Name of policy holder:Jones-Jordan Period of insurance: From 2023-12-20 to Fri 02 June, 2023 both days inclusive. This policy isa Continuing cover policy Insurer: Hiscox Insurance Company Limited Retroactive date: 17/03/24 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: 2023-12-20 Insurance details Policy number: IM61K437PSW.L_7/W6KO/.TJB Period of insurance: From 2023-12-20 to Fri 02 June, 2023 both days inclusive. This policy isa Continuing cover policy. Insured: Jones-Jordan Address: Flat 0 Charles lodge East Janice FARNHAM N88 6HS Additional insureds: None Business: Management Consultants Premium details Charged premium – the total amount you’ll pay for this policy. Charged premium: £8,600.65 Insurance Premium Tax (IPT): £6,167.97 Total charged premium: £8,691.79 Annualised premium – the annual premium for this policy. This is given for comparison purposes. Please refer to the charged premium section for the amount you’ll pay for the policy. Annual premium: £8,600.65 Insurance Premium Tax (IPT): £6,167.97 Annual total: £8,691.79 Please note that there will be no refund or additional premium for any transaction which is less than £20 (excluding IPT). Hiscox Business Insurance Policy Schedule 14502 10/18 Summary Claims information If you need to make a claim: - For claims relating to your building or contents please contact our claims team on 0800 247 1902, 9.00am – 5:30pm Monday to Friday. If you wish to make a claim online, you can log most claims quickly and easily through our claims notification portal at https://claims.hiscox.co.uk/. Outside of normal business hours, if you require emergency assistance in relation to substantial damage to your property, you can speak to our 24-hour emergency assistance team using the telephone number above. Your policy schedule will state if property cover is included in your policy. Our out-of-hours emergency assistance team operate ona pay-and-claim basis and you will need to have credit card details available as appropriate. The team will then be able to direct you to essential tradesmen, emergency loss adjusters or disaster management companies in the event of substantial damage. - If there isa claim (or potential claim) against you bya third party, please email us at liability.claims@hiscox.com. If you need to speak to a member of the claims team urgently, please call our team on 0800 711 7156, 9.00am – 5:30pm Monday to Friday. If you wish to make a claim online, you can log most claims quickly and easily through our claims notification portal at https://claims.hiscox.co.uk/. You will need to provide your full name and contact details, the name of your business or organisation, your address and postcode, the policy reference and circumstances of the claim. The Important information and contact details section below contains additional information specific to the covers applicable to your policy. If you are unsure of who to contact please call our team on 0800 711 7156, 9.00am – 5:30pm Monday to Friday. They will ensure you get through to the correct claims team and let you know what actions you need to take. If anything happens that might be covered under the policy, you must comply with the obligations set out in General claims conditions, together with the obligations set out under Your obligations in the section or sections under which you are making the claim. Itis important that you read the policy for details of its terms in full. Your covers This isa summary of each section of your policy. See each section for cover details. Cover Insurance amount Excess Annual Premium (exc IPT) Professional indemnity £1,000,000 £1,000 £6,453.36 Legal protection £100,000 £0 £1,224.44 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: 2023-12-20 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 17/03/24 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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IM61K437PSW.L_7/W6KO/.TJB
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(?<=Policy number - )[-\w_\/\.]+?(?= Company name)
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2023-12-20
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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 - V_QP-CIPENFAW_KMWQV Company name: Stanley, Hayward and Walton It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : V_QP-CIPENFAW_KMWQV. Company name: Stanley, Hayward and Walton. Your Hiscox Insurance premium. Last year’s annual premium: This year’s annual premium. £ 6,442.50. £ 6,442.50. The premium includes all applicable insurance premium tax (IPT). Dear Miss Ms Rachel Taylor. Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 15 August, 2019 . Good news; if you want cover to continue with us and to make sure you stay protected by our award-winning cover, you do not need to do anything. We will update your policy onto our latest wording and continue to collect payment using the payment details we have for you. You must read the important information contained in this email and the attached documents. Your Hiscox Insurance Premium breakdown. The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). The amount shown as last year’s Annual premium will take into account any changes to the cover which may have been made during the last policy period. Cover. Last year’s annual premium (exc IPT). This year’s annual Premium (exc IPT). Professional indemnity. £9,514.54. £9,514.54. Legal protection. £1,995.29. £1,995.29. Crisis containment. £0.00. Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy . Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government increase in Insurance Premium Tax as shown. Is our information correct? Your premium and cover are based on what you’ve told us about Stanley, Hayward and Walton , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay. . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover. Policy summary for each cover. ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover . As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, 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 August, 2019 . We’re here between 8:30am - 5:30pm Monday to Friday . Please note that we can only discuss policy changes with people named on the policy. Why renew with Hiscox. - Reassuring: we offer a range of cover options that can be tailored to your needs. - Flexible: we offer full flexibility to change your policy, with no administration fees . - Award-winning cover : we’ve been named Best Small Business Insurer 7 years running by Start Your Business Magazine . Please click this link for the Hiscox Referral Portal: https://refer.aklamio.com/hiscox/uk?source=postpurchase. Thank you again for choosing Hiscox to insure your business. We hope you and your business have a very successful year. Kind regards. Jon Dye. CEO, Hiscox UK. Business Insurance for the small and the brave. To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre. Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. This email and any files transmitted with it are confidential and intended solely for the use of the individual or entity to whom they are addressed. No one else is authorised to distribute, forward, print, copy or act upon any information contained in this email. If you have received this email in error, please notify the sender. Hiscox Syndicates Limited and Hiscox Insurance Company Limited are authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Hiscox Underwriting Limited, Hiscox Underwriting Services Ltd, Hiscox MGA Ltd and Hiscox ASM Ltd are authorised and regulated by the Financial Conduct Authority. Hiscox Assure SAS is duly registered as an insurance broker with the ORIAS, which is the French Official Registry of Insurance Intermediaries. Hiscox plc is a company registered in England and Wales under company registration number 2837811 and registered office at 1 Great St Helen's, London EC3A 6HX. Hiscox SA is a company registered in Luxembourg at 35 Avenue John F. Kennedy 35F, Luxembourg L-1855, and is authorised by the Commissariat aux Assurances de Luxembourg. It’s time to renew your Hiscox Business Insurance Hiscox Insurance policy number : V_QP-CIPENFAW_KMWQV Company name: Stanley, Hayward and Walton . It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : V_QP-CIPENFAW_KMWQV Company name: Stanley, Hayward and Walton . Your Hiscox Insurance premium Last year’s annual premium: This year’s annual premium The premium includes all applicable insurance premium tax (IPT). £ 6,442.50 £ 6,442.50 . Your Hiscox Insurance premium . Last year’s annual premium: This year’s annual premium £ 6,442.50 £ 6,442.50 . The premium includes all applicable insurance premium tax (IPT). Dear Miss Ms Rachel Taylor . Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 15 August, 2019 . Good news; if you want cover to continue with us and to make sure you stay protected by our award-winning cover, you do not need to do anything. We will update your policy onto our latest wording and continue to collect payment using the payment details we have for you. You must read the important information contained in this email and the attached documents Your Hiscox Insurance Premium breakdown The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). The amount shown as last year’s Annual premium will take into account any changes to the cover which may have been made during the last policy period. Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) Professional indemnity £9,514.54 £9,514.54 Legal protection £1,995.29 £1,995.29 Crisis containment £0.00 Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government increase in Insurance Premium Tax as shown. Is our information correct? Your premium and cover are based on what you’ve told us about Stanley, Hayward and Walton , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover Policy summary for each cover ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, 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 August, 2019 . We’re here between 8:30am - 5:30pm Monday to Friday . Please note that we can only discuss policy changes with people named on the policy. Why renew with Hiscox - Reassuring: we offer a range of cover options that can be tailored to your needs - Flexible: we offer full flexibility to change your policy, with no administration fees - Award-winning cover : we’ve been named Best Small Business Insurer 7 years running by Start Your Business Magazine Please click this link for the Hiscox Referral Portal: https://refer.aklamio.com/hiscox/uk?source=postpurchase Thank you again for choosing Hiscox to insure your business. We hope you and your business have a very successful year. Kind regards Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 15 August, 2019 . Good news; if you want cover to continue with us and to make sure you stay protected by our award-winning cover, you do not need to do anything. We will update your policy onto our latest wording and continue to collect payment using the payment details we have for you. You must read the important information contained in this email and the attached documents Your Hiscox Insurance Premium breakdown The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). The amount shown as last year’s Annual premium will take into account any changes to the cover which may have been made during the last policy period. Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) Professional indemnity £9,514.54 £9,514.54 Legal protection £1,995.29 £1,995.29 Crisis containment £0.00 Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government increase in Insurance Premium Tax as shown. Is our information correct? Your premium and cover are based on what you’ve told us about Stanley, Hayward and Walton , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover Policy summary for each cover ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, 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 August, 2019 . We’re here between 8:30am - 5:30pm Monday to Friday . Please note that we can only discuss policy changes with people named on the policy. Why renew with Hiscox - Reassuring: we offer a range of cover options that can be tailored to your needs - Flexible: we offer full flexibility to change your policy, with no administration fees - Award-winning cover : we’ve been named Best Small Business Insurer 7 years running by Start Your Business Magazine Please click this link for the Hiscox Referral Portal: https://refer.aklamio.com/hiscox/uk?source=postpurchase Thank you again for choosing Hiscox to insure your business. We hope you and your business have a very successful year. Kind regards Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Your Hiscox Insurance Premium breakdown The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). Cover Professional indemnity Legal protection Crisis containment . Last year’s annual premium (exc IPT) £9,514.54 £1,995.29 £0.00 . This year’s annual Premium (exc IPT) £9,514.54 £1,995.29 . Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) . Professional indemnity £9,514.54 £9,514.54 . Legal protection £1,995.29 £1,995.29 . Crisis containment £0.00 . Kind regards Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre . Kind regards . Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave . To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre . Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Page / 1 Hiscox Business Insurance Policy wording 17431a - DC565 WORDING 04/17Guide to sectionsIntroduction Policy wordings General terms and conditions Professional indemnity for business management consultants Legal protection Crisis containment Hiscox Business Insurance Policy wording 17431a - DC565 WORDING 04/17IntroductionThank you for choosing Hiscox to protect your business. We hope that the language and layout of this policy wording are clear because we want you to understand the insurance we provide as well as the responsibilities we have to each other. Please read this document, including the policy schedule, policy summary and statement of fact, and let us know as soon as possible if any of the details are shown incorrectly. We always try to deliver to the highest standards of service. Your views are important to us, so if you feel that our service is below the standard you would expect from Hiscox, please contact us on the phone number shown in your policy schedule. Please note that some of the words we use in this insurance are shown in bold type. These words are defined in each section of the wording. Page / 1 Hiscox Insurance Payment schedule Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Thank you for continuing to pay for your policy by Direct Debit. Please check these details and let us know if anything is incorrect or if the schedule is not suitable. Your reference details Account holder name: Ms Rachel Taylor 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 November, 2022 £6,442.50 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: V_QP-CIPENFAW_KMWQV 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 Stanley, Hayward and Walton Hiscox Underwriting Ltd of 1 Great St. Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Certificate of professional indemnity Insurance Policy number:V_QP-CIPENFAW_KMWQV Name of policy holder:Stanley, Hayward and Walton Period of insurance: From 15 August, 2019 to Wednesday 26 July, 2023 both days inclusive. This policy isa Continuing cover policy Insurer: Hiscox Insurance Company Limited Retroactive date: Sunday 03 July, 2022 Level of cover:£1,000,000 Signed on behalf of Hiscox Underwriting Limited as agent for the insurers Jon Dye CEO, Hiscox UK Notes: (a) This insurance is subject to policy terms and conditions and any special terms notified to the InsuredPage / 1 Hiscox Business Insurance Policy Schedule 14502 10/18 This schedule tells you what is insured with us. It should be read carefully with your policy wording(s) and statement of fact detailed elsewhere in this document. Schedule effective date: 15 August, 2019 Insurance details Policy number: V_QP-CIPENFAW_KMWQV Period of insurance: From 15 August, 2019 to Wednesday 26 July, 2023 both days inclusive. This policy isa Continuing cover policy. Insured: Stanley, Hayward and Walton Address: 01 Yates junction East Terenceview FARNHAM EC28 7GN Additional insureds: None Business: Management Consultants Premium details Charged premium – the total amount you’ll pay for this policy. Charged premium: £9,963.69 Insurance Premium Tax (IPT): £8,709.01 Total charged premium: £6,442.50 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: £9,963.69 Insurance Premium Tax (IPT): £8,709.01 Annual total: £6,442.50 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 £9,514.54 Legal protection £100,000 £0 £1,995.29 Crisis containment £25,000 - £0.00 The figures above are in summary only and are not in addition to the amount insured specified against each cover section below. Hiscox Business Insurance Policy Schedule 14502 10/18 SECTION: PROFESSIONAL INDEMNITY – MANAGEMENT CONSULTANTS Cover start date: 15 August, 2019 Limit of indemnity £1,000,000 Limit applies to in the aggregate, including all costs Excess £1,000 Excess applies to each and every claim or loss, including all costs Geographical limits Worldwide Applicable courts Worldwide (excluding United States of America and Canada) Claims brought in USA or Canada Not covered Additional covers (in addition to overall limit of indemnity stated above) Cover Limit of indemnity Limit applies to Court attendance compensation - employees £250 per person, per day Court attendance compensation - directors and partners£500 per person, per day Court attendance compensation: in total £100,000 in the aggregate Special limits (included within not in addition to the overall limit of indemnity stated above) Cover Limit of indemnity Limit applies to Personal data claims £250,000 in the aggregate, including all costs Business activities Business managementPage / 2 consultant Retroactive date Sunday 03 July, 2022 Insurer Hiscox Insurance Company LimitedPage / 1 Hiscox Insurance Summary of change Introduction This document has been created to help you understand the key changes to your Hiscox Insurance policy and how they may impact you. Your policy continues to offer professional, tailored insurance to protect you and give you peace of mind that if you need us, you will be supported by our award winning claims team. If you have a query not covered by this document, or if you have any questions or concerns about your policy you should contact us. Frequently asked questions What if my circumstances change during the period of insurance? If your circumstances change during the period of insurance, you only need to let us know if the change means that any of the information in the Statement of Fact is no longer true, complete and accurate. If there are no such changes, you do not need to let us know. If any of the information within the Statement of Fact becomes no longer complete, true or accurate at any point during the period of insurance you must tell us as it may affect the validity of the policy or our ability to pay a claim. Additionally, if your contact details change then you should let us know straightaway. Where doI find the limits that apply to my policy? You can find your maximum allowable limits for turnover and wage rollin your Statement of Fact. You must check this information and tell us or your broker if you expect to exceed the maximum amounts shown. Please note these values may have changed. If there are special limits or special excesses applying to particular covers or types of losses these will be shown in the policy schedule. Please check your policy schedule carefully as they may have changed. My new schedule shows a different premium to last year? What has changed? If an underwriter has reviewed your policy then they may have manually adjusted your premium, for example if you’ve had claims in the last 12 months. Where doI find out about any endorsements on my policy? You will be able to see if an endorsement has been applied or removed by reviewing your Policy Schedule. If you have any queries or concerns, please contact us or your broker if you have one. Hiscox Insurance Summary of change Professional indemnity for business management consultants Summary of change Changes to the cover The following table shows the differences between our new policy wordings (5570 WD- PROF-UK-MAN(7), 15579 WD-PROF-UK-MAN-AG(3)) and our previous wordings (5570 WD-PROF-UK-MAN(6), 15579 WD-PROF-UK-MAN-AG(2)). This isa summary of the changes only. You should refer to the schedule and policy wording for the full description of the cover in place. Area of cover Previous policy New policy Improvement in cover Claims against you Advertising claims. We will pay claims arising from your advertising or branding for defamation or infringement of copyright or moral rights. This does not include claims for passing off, unauthorised use of trademarks or false or misleading advertising. Previously cover was not restricted to defamation or the infringement of copyright or moral rights.Covered Amended Your own lossesChanges to ‘what is covered’ Losses from dishonesty. Your losses arising from the dishonesty of your employees, sub-contractors or outsourcers.Covered Not covered Area of cover Previous policy New policy Improvement in cover Cyber incident. We will not pay claims relating to an actual or possible cyber attack, hacker or social engineering communication. Previously we excluded any virus not specifically targeted at your system.Covered Not covered Computer or digital technology error. We will not pay claims arising from any negligent act, error or omission in the operation or maintenance of computer or digital technology such as development, installation, patching or upgrading.Covered Not coveredChanges to ‘what is not covered’ Infrastructure. We will not pay claims arising from the failure of the service provided by internet, telecommunications, utilities or other infrastructure providers.Covered Not covered Hiscox Insurance Summary of change Personal data. We will not pay claims relating to personal data. We will pay such claims where they arise from your performance ofa business activity and which is not otherwise excluded. Subject to the limit shown in the schedule.Covered Not covered Other important changes Control of defence. Under the previous wording we had a duty to defend you against any covered claim brought against you. We now have the right but not the obligation to take control of the conduct of the claim including the appointment of legal representation. Please refer to the policy wording for full details. SOC-PROF-UK-MAN(1) 21367 01/21
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15 August, 2019
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2024-02-05
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Hiscox Business Insurance - Policy number - AC571995/EZS4Z4_50MZ/5UP Company name: Wright, Baker and Duncan It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : AC571995/EZS4Z4_50MZ/5UP. Company name: Wright, Baker and Duncan. Your Hiscox Insurance premium. Last year’s annual premium: This year’s annual premium. £ 4,099.68. £ 4,099.68. The premium includes all applicable insurance premium tax (IPT). Dear Miss Ian Moore. Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on Fri 04 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. £9,353.48. £9,353.48. Legal protection. £5,444.47. £5,444.47. Crisis containment. £0.00. Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy . Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government increase in Insurance Premium Tax as shown. Is our information correct? Your premium and cover are based on what you’ve told us about Wright, Baker and Duncan , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay. . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover. Policy summary for each cover. ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover . As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, 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 04 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 : AC571995/EZS4Z4_50MZ/5UP Company name: Wright, Baker and Duncan . It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : AC571995/EZS4Z4_50MZ/5UP Company name: Wright, Baker and Duncan . Your Hiscox Insurance premium Last year’s annual premium: This year’s annual premium The premium includes all applicable insurance premium tax (IPT). £ 4,099.68 £ 4,099.68 . Your Hiscox Insurance premium . Last year’s annual premium: This year’s annual premium £ 4,099.68 £ 4,099.68 . The premium includes all applicable insurance premium tax (IPT). Dear Miss Ian Moore . Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on Fri 04 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 £9,353.48 £9,353.48 Legal protection £5,444.47 £5,444.47 Crisis containment £0.00 Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government increase in Insurance Premium Tax as shown. Is our information correct? Your premium and cover are based on what you’ve told us about Wright, Baker and Duncan , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover Policy summary for each cover ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, 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 04 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 Fri 04 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 £9,353.48 £9,353.48 Legal protection £5,444.47 £5,444.47 Crisis containment £0.00 Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government increase in Insurance Premium Tax as shown. Is our information correct? Your premium and cover are based on what you’ve told us about Wright, Baker and Duncan , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover Policy summary for each cover ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, 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 04 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) £9,353.48 £5,444.47 £0.00 . This year’s annual Premium (exc IPT) £9,353.48 £5,444.47 . Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) . Professional indemnity £9,353.48 £9,353.48 . Legal protection £5,444.47 £5,444.47 . Crisis containment £0.00 . Kind regards Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre . Kind regards . Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave . To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre . Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Page / 1 Hiscox Business Insurance Policy wording 17431a - DC565 WORDING 04/17Guide to sectionsIntroduction Policy wordings General terms and conditions Professional indemnity for business management consultants Legal protection Crisis containment Hiscox Business Insurance Policy wording 17431a - DC565 WORDING 04/17IntroductionThank you for choosing Hiscox to protect your business. We hope that the language and layout of this policy wording are clear because we want you to understand the insurance we provide as well as the responsibilities we have to each other. Please read this document, including the policy schedule, policy summary and statement of fact, and let us know as soon as possible if any of the details are shown incorrectly. We always try to deliver to the highest standards of service. Your views are important to us, so if you feel that our service is below the standard you would expect from Hiscox, please contact us on the phone number shown in your policy schedule. Please note that some of the words we use in this insurance are shown in bold type. These words are defined in each section of the wording. Page / 1 Hiscox Insurance Payment schedule Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Thank you for continuing to pay for your policy by Direct Debit. Please check these details and let us know if anything is incorrect or if the schedule is not suitable. Your reference details Account holder name: Ian Moore 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 11/10/22 £4,099.68 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: AC571995/EZS4Z4_50MZ/5UP If you have any questions about your policy or payments, please call us on 0800 280 0351. We’re here between 8:30am - 5:30pm Monday to Friday or you can email us at service@hiscox.co.uk. Using your personal information Hiscox isa trading name ofa number of Hiscox companies. The specific company acting asa data controller of your personal information will be listed in the documentation we provide to you. If you are unsure you can also contact us at anytime by telephoning 01904 681198 or by emailing us at dataprotectionofficer@hiscox.com. We collect and process information about you in order to provide insurance policies and to process claims. Your information is also used for business purposes such as fraud prevention and detection and financial management. This may involve sharing your information with, and obtaining information about you from, our group companies and third parties such as brokers, loss adjusters, credit reference agencies, service providers, professional advisors, our regulators or fraud prevention agencies. We may record telephone calls to help us monitor and improve the service we provide. For further information on how your information is used and your rights in relation to your information please see our privacy policy at www.hiscox.co.uk/cookies-privacy. The Direct Debit Guarantee This Guarantee is offered by all banks and building societies that accept instructions to pay Direct Debits. If there are any changes to the amount, date or frequency of your Direct Debit Hiscox Underwriting Ltd will notify you ten working days in advance of your account being debited or as otherwise agreed. If you request Hiscox Underwriting Ltd to collect a payment, confirmation of the amount and date will be given to you at the time of the request. If an error is made in the payment of your Direct Debit by Hiscox Underwriting Ltd or your bank or building society you are entitled to a full and immediate refund of the amount paid from your bank or building society. – If you receive a refund you are not entitled to, you must pay it back when Hiscox Underwriting Ltd asks you to. You can cancel a Direct Debit at anytime by simply contacting your bank or building society. Written confirmation maybe required. Please also notify us. Page / 1 Hiscox Business Insurance Policy summary JAC-PSC-UK-DC556(5.4) 17431b 07/20 Your Hiscox Business Insurance policy summaries This document contains the summaries for any policy covers you have selected to protect your business. These summaries outline the key information about your policies so you can be confident that you have understood what you have bought and what you are covered for. However, you should carefully read your policy in full and ensure that you understand its terms and conditions in full. If you have any queries, you should contact Hiscox or your insurance advisor. Your side of the bargain Remember, your premium and insurance are based on the details you have provided to us. Please make sure this information accurately reflects your business and that you inform us immediately if anything needs to change. Please also tell us of any changes in circumstances that may affect the services provided by us or the cover provided by your policy. This is particularly important before taking out a policy, but it also applies throughout the life of the policy too. You need to consider: ■if you fail to fairly present the risk to us, including by failing to disclose any information material to the insurance, you could invalidate the policy, claims may not be paid or the amount we pay maybe reduced; ■you should read and check all insurance documents to ensure that you are aware of the cover, limits and other terms that apply; ■if you fail to let us know of any changes to your circumstances during the period of insurance or, if when telling us about such changes you fail to present the risk to us fairly, you could invalidate the policy, claims may not be paid or the amount we pay maybe reduced; ■please be aware of all terms and conditions of your policy because failure to comply with them could invalidate it or result in us not paying a claim or reducing the amount we pay; ■in the event ofa claim, you should take note of the required procedures, such as giving Hiscox prompt notice of the claims, as stated in the policy documentation. In particular, if you fail to notify us when you first become aware ofa shortcoming, fact, or problem, admit you are liable for what has happened or appoint solicitors or other legal representation without our prior written approval, claims or defence costs may not be paid or the amount we pay maybe reduced; ■as with any insurance, you have an obligation to take reasonable steps to mitigate any loss or liability; ■if you make a fraudulent claim or try to deceive us, we may terminate the policy. Policy length The period of insurance is shown on your policy schedule. Your policy schedule will also show if the policy is ona continuing cover basis. If itis ona continuing cover basis, we will renew your policy each year for another 12 months and continue to take payment (including any premium adjustment shown in your renewal invitation) using your existing arrangement, unless you tell us otherwise or if your risk changes. If your policy schedule does not show that the policy is ona continuing cover basis, cover will cease at the end of the period of insurance, unless you renew your policy with us. We will provide you witha statement of fact each year and provided that the information contained within the statement of fact is true, complete and accurate, you do not need to provide us with any further information. If any of the information in your statement of fact is not true, complete and accurate, you must let us know. If you do not let us know, it may affect the validity of the policy or our ability to pay a claim. Retroactive dates, geographical and jurisdiction limits Where any section of your policy schedule includes a retroactive date, we will not make any payment for any claim or loss under that section which arises from any activity performed or any act, incident or occurrence taking place, before the retroactive date. Where any section of your policy schedule shows the geographical limits which apply to that section of the policy, we will only pay for claims and losses under that section which arise from activities performed or acts, incidents or occurrences taking place within those geographical limits. Where any section provides cover in respect of your liability to third parties, we will only cover claims first made ina country within the applicable courts stated in that section of your policy schedule. Hiscox Business Insurance Policy summary JAC-PSC-UK-DC556(5.4) 17431b 07/20 Cancellation rights You can cancel this policy by giving us 30 days' notice. You will only be charged for the premiums due up to the date of cancellation. If we need to cancel the policy, we’ll give you 30 days’ notice in writing and refund any surplus premiums you might have paid. Please note – we may deduct an administration fee from any refunded payment.There is an exception to our 30-day notice period, which is triggered when we don’t receive your Direct Debit payments within the agreed 14-day period. At this point, we will contact you as soon as possible and stop the policyPage / 2 immediately. Underwritten by:Hiscox Underwriting Ltd on behalf of the insurers named in the schedule. Page / 1 Certificate of professional indemnity insurance Wright, Baker and Duncan Hiscox Underwriting 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:AC571995/EZS4Z4_50MZ/5UP Name of policy holder:Wright, Baker and Duncan Period of insurance: From Fri 04 September, 2020 to Tue 22 October, 2024 both days inclusive. This policy isa Continuing cover policy Insurer: Hiscox Insurance Company Limited Retroactive date: Tuesday 04 August, 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 04 September, 2020 Insurance details Policy number: AC571995/EZS4Z4_50MZ/5UP Period of insurance: From Fri 04 September, 2020 to Tue 22 October, 2024 both days inclusive. This policy isa Continuing cover policy. Insured: Wright, Baker and Duncan Address: 77 Hughes way Westonville FARNHAM S76 6NR Additional insureds: None Business: Management Consultants Premium details Charged premium – the total amount you’ll pay for this policy. Charged premium: £8,207.19 Insurance Premium Tax (IPT): £5,426.62 Total charged premium: £4,099.68 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: £8,207.19 Insurance Premium Tax (IPT): £5,426.62 Annual total: £4,099.68 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 £9,353.48 Legal protection £100,000 £0 £5,444.47 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 04 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 Tuesday 04 August, 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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AC571995/EZS4Z4_50MZ/5UP
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(?<=Policy number - )[-\w_\/\.]+?(?= Company name)
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Fri 04 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 - 9VAIDL31 Company name: Randall-Smith It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : 9VAIDL31. Company name: Randall-Smith. Your Hiscox Insurance premium. Last year’s annual premium: This year’s annual premium. £ 9,684.01. £ 9,684.01. The premium includes all applicable insurance premium tax (IPT). Dear Dr Elizabeth Evans. Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on Tuesday 27 August, 2024 . Good news; if you want cover to continue with us and to make sure you stay protected by our award-winning cover, you do not need to do anything. We will update your policy onto our latest wording and continue to collect payment using the payment details we have for you. You must read the important information contained in this email and the attached documents. Your Hiscox Insurance Premium breakdown. The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). The amount shown as last year’s Annual premium will take into account any changes to the cover which may have been made during the last policy period. Cover. Last year’s annual premium (exc IPT). This year’s annual Premium (exc IPT). Professional indemnity. £4,249.15. £4,249.15. Legal protection. £9,241.32. £9,241.32. 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 Randall-Smith , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay. . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover. Policy summary for each cover. ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover . As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before Tuesday 27 August, 2024 . We’re here between 8:30am - 5:30pm Monday to Friday . Please note that we can only discuss policy changes with people named on the policy. Why renew with Hiscox. - Reassuring: we offer a range of cover options that can be tailored to your needs. - Flexible: we offer full flexibility to change your policy, with no administration fees . - Award-winning cover : we’ve been named Best Small Business Insurer 7 years running by Start Your Business Magazine . Please click this link for the Hiscox Referral Portal: https://refer.aklamio.com/hiscox/uk?source=postpurchase. Thank you again for choosing Hiscox to insure your business. We hope you and your business have a very successful year. Kind regards. Jon Dye. CEO, Hiscox UK. Business Insurance for the small and the brave. To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre. Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. This email and any files transmitted with it are confidential and intended solely for the use of the individual or entity to whom they are addressed. No one else is authorised to distribute, forward, print, copy or act upon any information contained in this email. If you have received this email in error, please notify the sender. Hiscox Syndicates Limited and Hiscox Insurance Company Limited are authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Hiscox Underwriting Limited, Hiscox Underwriting Services Ltd, Hiscox MGA Ltd and Hiscox ASM Ltd are authorised and regulated by the Financial Conduct Authority. Hiscox Assure SAS is duly registered as an insurance broker with the ORIAS, which is the French Official Registry of Insurance Intermediaries. Hiscox plc is a company registered in England and Wales under company registration number 2837811 and registered office at 1 Great St Helen's, London EC3A 6HX. Hiscox SA is a company registered in Luxembourg at 35 Avenue John F. Kennedy 35F, Luxembourg L-1855, and is authorised by the Commissariat aux Assurances de Luxembourg. It’s time to renew your Hiscox Business Insurance Hiscox Insurance policy number : 9VAIDL31 Company name: Randall-Smith . It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : 9VAIDL31 Company name: Randall-Smith . Your Hiscox Insurance premium Last year’s annual premium: This year’s annual premium The premium includes all applicable insurance premium tax (IPT). £ 9,684.01 £ 9,684.01 . Your Hiscox Insurance premium . Last year’s annual premium: This year’s annual premium £ 9,684.01 £ 9,684.01 . The premium includes all applicable insurance premium tax (IPT). Dear Dr Elizabeth Evans . Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on Tuesday 27 August, 2024 . Good news; if you want cover to continue with us and to make sure you stay protected by our award-winning cover, you do not need to do anything. We will update your policy onto our latest wording and continue to collect payment using the payment details we have for you. You must read the important information contained in this email and the attached documents Your Hiscox Insurance Premium breakdown The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). The amount shown as last year’s Annual premium will take into account any changes to the cover which may have been made during the last policy period. Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) Professional indemnity £4,249.15 £4,249.15 Legal protection £9,241.32 £9,241.32 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 Randall-Smith , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover Policy summary for each cover ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before Tuesday 27 August, 2024 . We’re here between 8:30am - 5:30pm Monday to Friday . Please note that we can only discuss policy changes with people named on the policy. Why renew with Hiscox - Reassuring: we offer a range of cover options that can be tailored to your needs - Flexible: we offer full flexibility to change your policy, with no administration fees - Award-winning cover : we’ve been named Best Small Business Insurer 7 years running by Start Your Business Magazine Please click this link for the Hiscox Referral Portal: https://refer.aklamio.com/hiscox/uk?source=postpurchase Thank you again for choosing Hiscox to insure your business. We hope you and your business have a very successful year. Kind regards Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on Tuesday 27 August, 2024 . Good news; if you want cover to continue with us and to make sure you stay protected by our award-winning cover, you do not need to do anything. We will update your policy onto our latest wording and continue to collect payment using the payment details we have for you. You must read the important information contained in this email and the attached documents Your Hiscox Insurance Premium breakdown The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). The amount shown as last year’s Annual premium will take into account any changes to the cover which may have been made during the last policy period. Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) Professional indemnity £4,249.15 £4,249.15 Legal protection £9,241.32 £9,241.32 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 Randall-Smith , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover Policy summary for each cover ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before Tuesday 27 August, 2024 . We’re here between 8:30am - 5:30pm Monday to Friday . Please note that we can only discuss policy changes with people named on the policy. Why renew with Hiscox - Reassuring: we offer a range of cover options that can be tailored to your needs - Flexible: we offer full flexibility to change your policy, with no administration fees - Award-winning cover : we’ve been named Best Small Business Insurer 7 years running by Start Your Business Magazine Please click this link for the Hiscox Referral Portal: https://refer.aklamio.com/hiscox/uk?source=postpurchase Thank you again for choosing Hiscox to insure your business. We hope you and your business have a very successful year. Kind regards Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Your Hiscox Insurance Premium breakdown The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). Cover Professional indemnity Legal protection Crisis containment . Last year’s annual premium (exc IPT) £4,249.15 £9,241.32 £0.00 . This year’s annual Premium (exc IPT) £4,249.15 £9,241.32 . Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) . Professional indemnity £4,249.15 £4,249.15 . Legal protection £9,241.32 £9,241.32 . 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: Elizabeth 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 Wednesday 01 April, 2020 £9,684.01 Where your chosen collection date falls ona non-working day then we will endeavour to collect the next working day. For your information, the collections will be made using the following reference number: Originator Identification Number: 293461 Reference Number: 9VAIDL31 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 Randall-Smith Hiscox Underwriting Ltd of 1 Great St. Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Certificate of professional indemnity Insurance Policy number:9VAIDL31 Name of policy holder:Randall-Smith Period of insurance: From Tuesday 27 August, 2024 to Thu 24 October, 2019 both days inclusive. This policy isa Continuing cover policy Insurer: Hiscox Insurance Company Limited Retroactive date: 2021-05-13 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 27 August, 2024 Insurance details Policy number: 9VAIDL31 Period of insurance: From Tuesday 27 August, 2024 to Thu 24 October, 2019 both days inclusive. This policy isa Continuing cover policy. Insured: Randall-Smith Address: 928 Watson mill Hillside FARNHAM N7 7HP Additional insureds: None Business: Management Consultants Premium details Charged premium – the total amount you’ll pay for this policy. Charged premium: £5,495.72 Insurance Premium Tax (IPT): £3,924.93 Total charged premium: £9,684.01 Annualised premium – the annual premium for this policy. This is given for comparison purposes. Please refer to the charged premium section for the amount you’ll pay for the policy. Annual premium: £5,495.72 Insurance Premium Tax (IPT): £3,924.93 Annual total: £9,684.01 Please note that there will be no refund or additional premium for any transaction which is less than £20 (excluding IPT). Hiscox Business Insurance Policy Schedule 14502 10/18 Summary Claims information If you need to make a claim: - For claims relating to your building or contents please contact our claims team on 0800 247 1902, 9.00am – 5:30pm Monday to Friday. If you wish to make a claim online, you can log most claims quickly and easily through our claims notification portal at https://claims.hiscox.co.uk/. Outside of normal business hours, if you require emergency assistance in relation to substantial damage to your property, you can speak to our 24-hour emergency assistance team using the telephone number above. Your policy schedule will state if property cover is included in your policy. Our out-of-hours emergency assistance team operate ona pay-and-claim basis and you will need to have credit card details available as appropriate. The team will then be able to direct you to essential tradesmen, emergency loss adjusters or disaster management companies in the event of substantial damage. - If there isa claim (or potential claim) against you bya third party, please email us at liability.claims@hiscox.com. If you need to speak to a member of the claims team urgently, please call our team on 0800 711 7156, 9.00am – 5:30pm Monday to Friday. If you wish to make a claim online, you can log most claims quickly and easily through our claims notification portal at https://claims.hiscox.co.uk/. You will need to provide your full name and contact details, the name of your business or organisation, your address and postcode, the policy reference and circumstances of the claim. The Important information and contact details section below contains additional information specific to the covers applicable to your policy. If you are unsure of who to contact please call our team on 0800 711 7156, 9.00am – 5:30pm Monday to Friday. They will ensure you get through to the correct claims team and let you know what actions you need to take. If anything happens that might be covered under the policy, you must comply with the obligations set out in General claims conditions, together with the obligations set out under Your obligations in the section or sections under which you are making the claim. Itis important that you read the policy for details of its terms in full. Your covers This isa summary of each section of your policy. See each section for cover details. Cover Insurance amount Excess Annual Premium (exc IPT) Professional indemnity £1,000,000 £1,000 £4,249.15 Legal protection £100,000 £0 £9,241.32 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: Tuesday 27 August, 2024 Limit of indemnity £1,000,000 Limit applies to in the aggregate, including all costs Excess £1,000 Excess applies to each and every claim or loss, including all costs Geographical limits Worldwide Applicable courts Worldwide (excluding United States of America and Canada) Claims brought in USA or Canada Not covered Additional covers (in addition to overall limit of indemnity stated above) Cover Limit of indemnity Limit applies to Court attendance compensation - employees £250 per person, per day Court attendance compensation - directors and partners£500 per person, per day Court attendance compensation: in total £100,000 in the aggregate Special limits (included within not in addition to the overall limit of indemnity stated above) Cover Limit of indemnity Limit applies to Personal data claims £250,000 in the aggregate, including all costs Business activities Business managementPage / 2 consultant Retroactive date 2021-05-13 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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9VAIDL31
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(?<=Policy number - )[-\w_\/\.]+?(?= Company name)
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Tuesday 27 August, 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 - brgtgypccxrssfhyzgq Company name: Bond LLC It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : brgtgypccxrssfhyzgq. Company name: Bond LLC. Your Hiscox Insurance premium. Last year’s annual premium: This year’s annual premium. £ 5,782.35. £ 5,782.35. The premium includes all applicable insurance premium tax (IPT). Dear Miss Mandy King. Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on Sun 14 April, 2024 . Good news; if you want cover to continue with us and to make sure you stay protected by our award-winning cover, you do not need to do anything. We will update your policy onto our latest wording and continue to collect payment using the payment details we have for you. You must read the important information contained in this email and the attached documents. Your Hiscox Insurance Premium breakdown. The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). The amount shown as last year’s Annual premium will take into account any changes to the cover which may have been made during the last policy period. Cover. Last year’s annual premium (exc IPT). This year’s annual Premium (exc IPT). Professional indemnity. £4,748.94. £4,748.94. Legal protection. £4,909.29. £4,909.29. Crisis containment. £0.00. Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy . Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government increase in Insurance Premium Tax as shown. Is our information correct? Your premium and cover are based on what you’ve told us about Bond 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 Sun 14 April, 2024 . We’re here between 8:30am - 5:30pm Monday to Friday . Please note that we can only discuss policy changes with people named on the policy. Why renew with Hiscox. - Reassuring: we offer a range of cover options that can be tailored to your needs. - Flexible: we offer full flexibility to change your policy, with no administration fees . - Award-winning cover : we’ve been named Best Small Business Insurer 7 years running by Start Your Business Magazine . Please click this link for the Hiscox Referral Portal: https://refer.aklamio.com/hiscox/uk?source=postpurchase. Thank you again for choosing Hiscox to insure your business. We hope you and your business have a very successful year. Kind regards. Jon Dye. CEO, Hiscox UK. Business Insurance for the small and the brave. To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre. Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. This email and any files transmitted with it are confidential and intended solely for the use of the individual or entity to whom they are addressed. No one else is authorised to distribute, forward, print, copy or act upon any information contained in this email. If you have received this email in error, please notify the sender. Hiscox Syndicates Limited and Hiscox Insurance Company Limited are authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Hiscox Underwriting Limited, Hiscox Underwriting Services Ltd, Hiscox MGA Ltd and Hiscox ASM Ltd are authorised and regulated by the Financial Conduct Authority. Hiscox Assure SAS is duly registered as an insurance broker with the ORIAS, which is the French Official Registry of Insurance Intermediaries. Hiscox plc is a company registered in England and Wales under company registration number 2837811 and registered office at 1 Great St Helen's, London EC3A 6HX. Hiscox SA is a company registered in Luxembourg at 35 Avenue John F. Kennedy 35F, Luxembourg L-1855, and is authorised by the Commissariat aux Assurances de Luxembourg. It’s time to renew your Hiscox Business Insurance Hiscox Insurance policy number : brgtgypccxrssfhyzgq Company name: Bond LLC . It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : brgtgypccxrssfhyzgq Company name: Bond LLC . Your Hiscox Insurance premium Last year’s annual premium: This year’s annual premium The premium includes all applicable insurance premium tax (IPT). £ 5,782.35 £ 5,782.35 . Your Hiscox Insurance premium . Last year’s annual premium: This year’s annual premium £ 5,782.35 £ 5,782.35 . The premium includes all applicable insurance premium tax (IPT). Dear Miss Mandy King . Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on Sun 14 April, 2024 . Good news; if you want cover to continue with us and to make sure you stay protected by our award-winning cover, you do not need to do anything. We will update your policy onto our latest wording and continue to collect payment using the payment details we have for you. You must read the important information contained in this email and the attached documents Your Hiscox Insurance Premium breakdown The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). The amount shown as last year’s Annual premium will take into account any changes to the cover which may have been made during the last policy period. Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) Professional indemnity £4,748.94 £4,748.94 Legal protection £4,909.29 £4,909.29 Crisis containment £0.00 Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government increase in Insurance Premium Tax as shown. Is our information correct? Your premium and cover are based on what you’ve told us about Bond 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 Sun 14 April, 2024 . We’re here between 8:30am - 5:30pm Monday to Friday . Please note that we can only discuss policy changes with people named on the policy. Why renew with Hiscox - Reassuring: we offer a range of cover options that can be tailored to your needs - Flexible: we offer full flexibility to change your policy, with no administration fees - Award-winning cover : we’ve been named Best Small Business Insurer 7 years running by Start Your Business Magazine Please click this link for the Hiscox Referral Portal: https://refer.aklamio.com/hiscox/uk?source=postpurchase Thank you again for choosing Hiscox to insure your business. We hope you and your business have a very successful year. Kind regards Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on Sun 14 April, 2024 . Good news; if you want cover to continue with us and to make sure you stay protected by our award-winning cover, you do not need to do anything. We will update your policy onto our latest wording and continue to collect payment using the payment details we have for you. You must read the important information contained in this email and the attached documents Your Hiscox Insurance Premium breakdown The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). The amount shown as last year’s Annual premium will take into account any changes to the cover which may have been made during the last policy period. Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) Professional indemnity £4,748.94 £4,748.94 Legal protection £4,909.29 £4,909.29 Crisis containment £0.00 Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government increase in Insurance Premium Tax as shown. Is our information correct? Your premium and cover are based on what you’ve told us about Bond 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 Sun 14 April, 2024 . We’re here between 8:30am - 5:30pm Monday to Friday . Please note that we can only discuss policy changes with people named on the policy. Why renew with Hiscox - Reassuring: we offer a range of cover options that can be tailored to your needs - Flexible: we offer full flexibility to change your policy, with no administration fees - Award-winning cover : we’ve been named Best Small Business Insurer 7 years running by Start Your Business Magazine Please click this link for the Hiscox Referral Portal: https://refer.aklamio.com/hiscox/uk?source=postpurchase Thank you again for choosing Hiscox to insure your business. We hope you and your business have a very successful year. Kind regards Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Your Hiscox Insurance Premium breakdown The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). Cover Professional indemnity Legal protection Crisis containment . Last year’s annual premium (exc IPT) £4,748.94 £4,909.29 £0.00 . This year’s annual Premium (exc IPT) £4,748.94 £4,909.29 . Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) . Professional indemnity £4,748.94 £4,748.94 . Legal protection £4,909.29 £4,909.29 . Crisis containment £0.00 . Kind regards Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre . Kind regards . Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave . To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre . Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Page / 1 Hiscox Business Insurance Policy wording 17431a - DC565 WORDING 04/17Guide to sectionsIntroduction Policy wordings General terms and conditions Professional indemnity for business management consultants Legal protection Crisis containment Hiscox Business Insurance Policy wording 17431a - DC565 WORDING 04/17IntroductionThank you for choosing Hiscox to protect your business. We hope that the language and layout of this policy wording are clear because we want you to understand the insurance we provide as well as the responsibilities we have to each other. Please read this document, including the policy schedule, policy summary and statement of fact, and let us know as soon as possible if any of the details are shown incorrectly. We always try to deliver to the highest standards of service. Your views are important to us, so if you feel that our service is below the standard you would expect from Hiscox, please contact us on the phone number shown in your policy schedule. Please note that some of the words we use in this insurance are shown in bold type. These words are defined in each section of the wording. Page / 1 Hiscox Insurance Payment schedule Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Thank you for continuing to pay for your policy by Direct Debit. Please check these details and let us know if anything is incorrect or if the schedule is not suitable. Your reference details Account holder name: Mandy 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 18/12/23 £5,782.35 Where your chosen collection date falls ona non-working day then we will endeavour to collect the next working day. For your information, the collections will be made using the following reference number: Originator Identification Number: 293461 Reference Number: brgtgypccxrssfhyzgq 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 Bond 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:brgtgypccxrssfhyzgq Name of policy holder:Bond LLC Period of insurance: From Sun 14 April, 2024 to 04/04/2022 both days inclusive. This policy isa Continuing cover policy Insurer: Hiscox Insurance Company Limited Retroactive date: 22/06/19 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: Sun 14 April, 2024 Insurance details Policy number: brgtgypccxrssfhyzgq Period of insurance: From Sun 14 April, 2024 to 04/04/2022 both days inclusive. This policy isa Continuing cover policy. Insured: Bond LLC Address: 691 Cook mission North Helenberg FARNHAM LA35 5SP Additional insureds: None Business: Management Consultants Premium details Charged premium – the total amount you’ll pay for this policy. Charged premium: £8,703.22 Insurance Premium Tax (IPT): £8,588.99 Total charged premium: £5,782.35 Annualised premium – the annual premium for this policy. This is given for comparison purposes. Please refer to the charged premium section for the amount you’ll pay for the policy. Annual premium: £8,703.22 Insurance Premium Tax (IPT): £8,588.99 Annual total: £5,782.35 Please note that there will be no refund or additional premium for any transaction which is less than £20 (excluding IPT). Hiscox Business Insurance Policy Schedule 14502 10/18 Summary Claims information If you need to make a claim: - For claims relating to your building or contents please contact our claims team on 0800 247 1902, 9.00am – 5:30pm Monday to Friday. If you wish to make a claim online, you can log most claims quickly and easily through our claims notification portal at https://claims.hiscox.co.uk/. Outside of normal business hours, if you require emergency assistance in relation to substantial damage to your property, you can speak to our 24-hour emergency assistance team using the telephone number above. Your policy schedule will state if property cover is included in your policy. Our out-of-hours emergency assistance team operate ona pay-and-claim basis and you will need to have credit card details available as appropriate. The team will then be able to direct you to essential tradesmen, emergency loss adjusters or disaster management companies in the event of substantial damage. - If there isa claim (or potential claim) against you bya third party, please email us at liability.claims@hiscox.com. If you need to speak to a member of the claims team urgently, please call our team on 0800 711 7156, 9.00am – 5:30pm Monday to Friday. If you wish to make a claim online, you can log most claims quickly and easily through our claims notification portal at https://claims.hiscox.co.uk/. You will need to provide your full name and contact details, the name of your business or organisation, your address and postcode, the policy reference and circumstances of the claim. The Important information and contact details section below contains additional information specific to the covers applicable to your policy. If you are unsure of who to contact please call our team on 0800 711 7156, 9.00am – 5:30pm Monday to Friday. They will ensure you get through to the correct claims team and let you know what actions you need to take. If anything happens that might be covered under the policy, you must comply with the obligations set out in General claims conditions, together with the obligations set out under Your obligations in the section or sections under which you are making the claim. Itis important that you read the policy for details of its terms in full. Your covers This isa summary of each section of your policy. See each section for cover details. Cover Insurance amount Excess Annual Premium (exc IPT) Professional indemnity £1,000,000 £1,000 £4,748.94 Legal protection £100,000 £0 £4,909.29 Crisis containment £25,000 - £0.00 The figures above are in summary only and are not in addition to the amount insured specified against each cover section below. Hiscox Business Insurance Policy Schedule 14502 10/18 SECTION: PROFESSIONAL INDEMNITY – MANAGEMENT CONSULTANTS Cover start date: Sun 14 April, 2024 Limit of indemnity £1,000,000 Limit applies to in the aggregate, including all costs Excess £1,000 Excess applies to each and every claim or loss, including all costs Geographical limits Worldwide Applicable courts Worldwide (excluding United States of America and Canada) Claims brought in USA or Canada Not covered Additional covers (in addition to overall limit of indemnity stated above) Cover Limit of indemnity Limit applies to Court attendance compensation - employees £250 per person, per day Court attendance compensation - directors and partners£500 per person, per day Court attendance compensation: in total £100,000 in the aggregate Special limits (included within not in addition to the overall limit of indemnity stated above) Cover Limit of indemnity Limit applies to Personal data claims £250,000 in the aggregate, including all costs Business activities Business managementPage / 2 consultant Retroactive date 22/06/19 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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brgtgypccxrssfhyzgq
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(?<=Policy number - )[-\w_\/\.]+?(?= Company name)
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Sun 14 April, 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 - TJ2ITN2NXL Company name: Walsh LLC It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : TJ2ITN2NXL. Company name: Walsh LLC. Your Hiscox Insurance premium. Last year’s annual premium: This year’s annual premium. £ 5,525.23. £ 5,525.23. The premium includes all applicable insurance premium tax (IPT). Dear Mrs Leah Lawrence. Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on Tue 16 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. £8,327.09. £8,327.09. Legal protection. £2,257.54. £2,257.54. 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 Walsh 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 Tue 16 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 : TJ2ITN2NXL Company name: Walsh LLC . It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : TJ2ITN2NXL Company name: Walsh LLC . Your Hiscox Insurance premium Last year’s annual premium: This year’s annual premium The premium includes all applicable insurance premium tax (IPT). £ 5,525.23 £ 5,525.23 . Your Hiscox Insurance premium . Last year’s annual premium: This year’s annual premium £ 5,525.23 £ 5,525.23 . The premium includes all applicable insurance premium tax (IPT). Dear Mrs Leah Lawrence . Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on Tue 16 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 £8,327.09 £8,327.09 Legal protection £2,257.54 £2,257.54 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 Walsh 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 Tue 16 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 Tue 16 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 £8,327.09 £8,327.09 Legal protection £2,257.54 £2,257.54 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 Walsh 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 Tue 16 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) £8,327.09 £2,257.54 £0.00 . This year’s annual Premium (exc IPT) £8,327.09 £2,257.54 . Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) . Professional indemnity £8,327.09 £8,327.09 . Legal protection £2,257.54 £2,257.54 . 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: Leah Lawrence 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 16/11/23 £5,525.23 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: TJ2ITN2NXL If you have any questions about your policy or payments, please call us on 0800 280 0351. We’re here between 8:30am - 5:30pm Monday to Friday or you can email us at service@hiscox.co.uk. Using your personal information Hiscox isa trading name ofa number of Hiscox companies. The specific company acting asa data controller of your personal information will be listed in the documentation we provide to you. If you are unsure you can also contact us at anytime by telephoning 01904 681198 or by emailing us at dataprotectionofficer@hiscox.com. We collect and process information about you in order to provide insurance policies and to process claims. Your information is also used for business purposes such as fraud prevention and detection and financial management. This may involve sharing your information with, and obtaining information about you from, our group companies and third parties such as brokers, loss adjusters, credit reference agencies, service providers, professional advisors, our regulators or fraud prevention agencies. We may record telephone calls to help us monitor and improve the service we provide. For further information on how your information is used and your rights in relation to your information please see our privacy policy at www.hiscox.co.uk/cookies-privacy. The Direct Debit Guarantee This Guarantee is offered by all banks and building societies that accept instructions to pay Direct Debits. If there are any changes to the amount, date or frequency of your Direct Debit Hiscox Underwriting Ltd will notify you ten working days in advance of your account being debited or as otherwise agreed. If you request Hiscox Underwriting Ltd to collect a payment, confirmation of the amount and date will be given to you at the time of the request. If an error is made in the payment of your Direct Debit by Hiscox Underwriting Ltd or your bank or building society you are entitled to a full and immediate refund of the amount paid from your bank or building society. – If you receive a refund you are not entitled to, you must pay it back when Hiscox Underwriting Ltd asks you to. You can cancel a Direct Debit at anytime by simply contacting your bank or building society. Written confirmation maybe required. Please also notify us. Page / 1 Hiscox Business Insurance Policy summary JAC-PSC-UK-DC556(5.4) 17431b 07/20 Your Hiscox Business Insurance policy summaries This document contains the summaries for any policy covers you have selected to protect your business. These summaries outline the key information about your policies so you can be confident that you have understood what you have bought and what you are covered for. However, you should carefully read your policy in full and ensure that you understand its terms and conditions in full. If you have any queries, you should contact Hiscox or your insurance advisor. Your side of the bargain Remember, your premium and insurance are based on the details you have provided to us. Please make sure this information accurately reflects your business and that you inform us immediately if anything needs to change. Please also tell us of any changes in circumstances that may affect the services provided by us or the cover provided by your policy. This is particularly important before taking out a policy, but it also applies throughout the life of the policy too. You need to consider: ■if you fail to fairly present the risk to us, including by failing to disclose any information material to the insurance, you could invalidate the policy, claims may not be paid or the amount we pay maybe reduced; ■you should read and check all insurance documents to ensure that you are aware of the cover, limits and other terms that apply; ■if you fail to let us know of any changes to your circumstances during the period of insurance or, if when telling us about such changes you fail to present the risk to us fairly, you could invalidate the policy, claims may not be paid or the amount we pay maybe reduced; ■please be aware of all terms and conditions of your policy because failure to comply with them could invalidate it or result in us not paying a claim or reducing the amount we pay; ■in the event ofa claim, you should take note of the required procedures, such as giving Hiscox prompt notice of the claims, as stated in the policy documentation. In particular, if you fail to notify us when you first become aware ofa shortcoming, fact, or problem, admit you are liable for what has happened or appoint solicitors or other legal representation without our prior written approval, claims or defence costs may not be paid or the amount we pay maybe reduced; ■as with any insurance, you have an obligation to take reasonable steps to mitigate any loss or liability; ■if you make a fraudulent claim or try to deceive us, we may terminate the policy. Policy length The period of insurance is shown on your policy schedule. Your policy schedule will also show if the policy is ona continuing cover basis. If itis ona continuing cover basis, we will renew your policy each year for another 12 months and continue to take payment (including any premium adjustment shown in your renewal invitation) using your existing arrangement, unless you tell us otherwise or if your risk changes. If your policy schedule does not show that the policy is ona continuing cover basis, cover will cease at the end of the period of insurance, unless you renew your policy with us. We will provide you witha statement of fact each year and provided that the information contained within the statement of fact is true, complete and accurate, you do not need to provide us with any further information. If any of the information in your statement of fact is not true, complete and accurate, you must let us know. If you do not let us know, it may affect the validity of the policy or our ability to pay a claim. Retroactive dates, geographical and jurisdiction limits Where any section of your policy schedule includes a retroactive date, we will not make any payment for any claim or loss under that section which arises from any activity performed or any act, incident or occurrence taking place, before the retroactive date. Where any section of your policy schedule shows the geographical limits which apply to that section of the policy, we will only pay for claims and losses under that section which arise from activities performed or acts, incidents or occurrences taking place within those geographical limits. Where any section provides cover in respect of your liability to third parties, we will only cover claims first made ina country within the applicable courts stated in that section of your policy schedule. Hiscox Business Insurance Policy summary JAC-PSC-UK-DC556(5.4) 17431b 07/20 Cancellation rights You can cancel this policy by giving us 30 days' notice. You will only be charged for the premiums due up to the date of cancellation. If we need to cancel the policy, we’ll give you 30 days’ notice in writing and refund any surplus premiums you might have paid. Please note – we may deduct an administration fee from any refunded payment.There is an exception to our 30-day notice period, which is triggered when we don’t receive your Direct Debit payments within the agreed 14-day period. At this point, we will contact you as soon as possible and stop the policyPage / 2 immediately. Underwritten by:Hiscox Underwriting Ltd on behalf of the insurers named in the schedule. Page / 1 Certificate of professional indemnity insurance Walsh 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:TJ2ITN2NXL Name of policy holder:Walsh LLC Period of insurance: From Tue 16 May, 2023 to Sat 08 April, 2023 both days inclusive. This policy isa Continuing cover policy Insurer: Hiscox Insurance Company Limited Retroactive date: Monday 01 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: Tue 16 May, 2023 Insurance details Policy number: TJ2ITN2NXL Period of insurance: From Tue 16 May, 2023 to Sat 08 April, 2023 both days inclusive. This policy isa Continuing cover policy. Insured: Walsh LLC Address: Flat 5 Hudson meadows Ashleighland FARNHAM M33 2LA Additional insureds: None Business: Management Consultants Premium details Charged premium – the total amount you’ll pay for this policy. Charged premium: £9,283.24 Insurance Premium Tax (IPT): £9,217.74 Total charged premium: £5,525.23 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: £9,283.24 Insurance Premium Tax (IPT): £9,217.74 Annual total: £5,525.23 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 £8,327.09 Legal protection £100,000 £0 £2,257.54 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: Tue 16 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 Monday 01 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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TJ2ITN2NXL
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(?<=Policy number - )[-\w_\/\.]+?(?= Company name)
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Tue 16 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 - F-49/-DJ6 Company name: Burke PLC It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : F-49/-DJ6. Company name: Burke PLC. Your Hiscox Insurance premium. Last year’s annual premium: This year’s annual premium. £ 2,560.96. £ 2,560.96. The premium includes all applicable insurance premium tax (IPT). Dear Dr Paige Knowles. Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 30/10/22 . 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. £4,725.75. £4,725.75. Legal protection. £7,083.58. £7,083.58. 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 Burke 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 30/10/22 . 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 : F-49/-DJ6 Company name: Burke PLC . It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : F-49/-DJ6 Company name: Burke PLC . Your Hiscox Insurance premium Last year’s annual premium: This year’s annual premium The premium includes all applicable insurance premium tax (IPT). £ 2,560.96 £ 2,560.96 . Your Hiscox Insurance premium . Last year’s annual premium: This year’s annual premium £ 2,560.96 £ 2,560.96 . The premium includes all applicable insurance premium tax (IPT). Dear Dr Paige Knowles . Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 30/10/22 . 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 £4,725.75 £4,725.75 Legal protection £7,083.58 £7,083.58 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 Burke 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 30/10/22 . 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 30/10/22 . 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 £4,725.75 £4,725.75 Legal protection £7,083.58 £7,083.58 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 Burke 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 30/10/22 . 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) £4,725.75 £7,083.58 £0.00 . This year’s annual Premium (exc IPT) £4,725.75 £7,083.58 . Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) . Professional indemnity £4,725.75 £4,725.75 . Legal protection £7,083.58 £7,083.58 . 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: Paige Knowles Frequency of collection: Annual Sort code: %BANK_SORT_CODE_1% Account number: %BANK_ACCOUNT_NUMBER_1% Your Direct Debit schedule We will take payments on the dates outlined below: Date Amount 24/04/2021 £2,560.96 Where your chosen collection date falls ona non-working day then we will endeavour to collect the next working day. For your information, the collections will be made using the following reference number: Originator Identification Number: 293461 Reference Number: F-49/-DJ6 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 Burke 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:F-49/-DJ6 Name of policy holder:Burke PLC Period of insurance: From 30/10/22 to 11/03/2021 both days inclusive. This policy isa Continuing cover policy Insurer: Hiscox Insurance Company Limited Retroactive date: 04/09/2023 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: 30/10/22 Insurance details Policy number: F-49/-DJ6 Period of insurance: From 30/10/22 to 11/03/2021 both days inclusive. This policy isa Continuing cover policy. Insured: Burke PLC Address: Flat 7 Shaun track Loweport FARNHAM B1 8UB Additional insureds: None Business: Management Consultants Premium details Charged premium – the total amount you’ll pay for this policy. Charged premium: £5,853.57 Insurance Premium Tax (IPT): £9,495.06 Total charged premium: £2,560.96 Annualised premium – the annual premium for this policy. This is given for comparison purposes. Please refer to the charged premium section for the amount you’ll pay for the policy. Annual premium: £5,853.57 Insurance Premium Tax (IPT): £9,495.06 Annual total: £2,560.96 Please note that there will be no refund or additional premium for any transaction which is less than £20 (excluding IPT). Hiscox Business Insurance Policy Schedule 14502 10/18 Summary Claims information If you need to make a claim: - For claims relating to your building or contents please contact our claims team on 0800 247 1902, 9.00am – 5:30pm Monday to Friday. If you wish to make a claim online, you can log most claims quickly and easily through our claims notification portal at https://claims.hiscox.co.uk/. Outside of normal business hours, if you require emergency assistance in relation to substantial damage to your property, you can speak to our 24-hour emergency assistance team using the telephone number above. Your policy schedule will state if property cover is included in your policy. Our out-of-hours emergency assistance team operate ona pay-and-claim basis and you will need to have credit card details available as appropriate. The team will then be able to direct you to essential tradesmen, emergency loss adjusters or disaster management companies in the event of substantial damage. - If there isa claim (or potential claim) against you bya third party, please email us at liability.claims@hiscox.com. If you need to speak to a member of the claims team urgently, please call our team on 0800 711 7156, 9.00am – 5:30pm Monday to Friday. If you wish to make a claim online, you can log most claims quickly and easily through our claims notification portal at https://claims.hiscox.co.uk/. You will need to provide your full name and contact details, the name of your business or organisation, your address and postcode, the policy reference and circumstances of the claim. The Important information and contact details section below contains additional information specific to the covers applicable to your policy. If you are unsure of who to contact please call our team on 0800 711 7156, 9.00am – 5:30pm Monday to Friday. They will ensure you get through to the correct claims team and let you know what actions you need to take. If anything happens that might be covered under the policy, you must comply with the obligations set out in General claims conditions, together with the obligations set out under Your obligations in the section or sections under which you are making the claim. Itis important that you read the policy for details of its terms in full. Your covers This isa summary of each section of your policy. See each section for cover details. Cover Insurance amount Excess Annual Premium (exc IPT) Professional indemnity £1,000,000 £1,000 £4,725.75 Legal protection £100,000 £0 £7,083.58 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: 30/10/22 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 04/09/2023 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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F-49/-DJ6
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(?<=Policy number - )[-\w_\/\.]+?(?= Company name)
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30/10/22
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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 - 5JM/UCZQ.F/THKLTQ79Y01 Company name: Hussain, Bird and Simmons It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : 5JM/UCZQ.F/THKLTQ79Y01. Company name: Hussain, Bird and Simmons. Your Hiscox Insurance premium. Last year’s annual premium: This year’s annual premium. £ 3,518.41. £ 3,518.41. The premium includes all applicable insurance premium tax (IPT). Dear Mrs Claire Freeman. Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 2023-11-07 . Good news; if you want cover to continue with us and to make sure you stay protected by our award-winning cover, you do not need to do anything. We will update your policy onto our latest wording and continue to collect payment using the payment details we have for you. You must read the important information contained in this email and the attached documents. Your Hiscox Insurance Premium breakdown. The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). The amount shown as last year’s Annual premium will take into account any changes to the cover which may have been made during the last policy period. Cover. Last year’s annual premium (exc IPT). This year’s annual Premium (exc IPT). Professional indemnity. £3,740.44. £3,740.44. Legal protection. £4,705.73. £4,705.73. 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 Hussain, Bird and 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 2023-11-07 . We’re here between 8:30am - 5:30pm Monday to Friday . Please note that we can only discuss policy changes with people named on the policy. Why renew with Hiscox. - Reassuring: we offer a range of cover options that can be tailored to your needs. - Flexible: we offer full flexibility to change your policy, with no administration fees . - Award-winning cover : we’ve been named Best Small Business Insurer 7 years running by Start Your Business Magazine . Please click this link for the Hiscox Referral Portal: https://refer.aklamio.com/hiscox/uk?source=postpurchase. Thank you again for choosing Hiscox to insure your business. We hope you and your business have a very successful year. Kind regards. Jon Dye. CEO, Hiscox UK. Business Insurance for the small and the brave. To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre. Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. This email and any files transmitted with it are confidential and intended solely for the use of the individual or entity to whom they are addressed. No one else is authorised to distribute, forward, print, copy or act upon any information contained in this email. If you have received this email in error, please notify the sender. Hiscox Syndicates Limited and Hiscox Insurance Company Limited are authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Hiscox Underwriting Limited, Hiscox Underwriting Services Ltd, Hiscox MGA Ltd and Hiscox ASM Ltd are authorised and regulated by the Financial Conduct Authority. Hiscox Assure SAS is duly registered as an insurance broker with the ORIAS, which is the French Official Registry of Insurance Intermediaries. Hiscox plc is a company registered in England and Wales under company registration number 2837811 and registered office at 1 Great St Helen's, London EC3A 6HX. Hiscox SA is a company registered in Luxembourg at 35 Avenue John F. Kennedy 35F, Luxembourg L-1855, and is authorised by the Commissariat aux Assurances de Luxembourg. It’s time to renew your Hiscox Business Insurance Hiscox Insurance policy number : 5JM/UCZQ.F/THKLTQ79Y01 Company name: Hussain, Bird and Simmons . It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : 5JM/UCZQ.F/THKLTQ79Y01 Company name: Hussain, Bird and Simmons . Your Hiscox Insurance premium Last year’s annual premium: This year’s annual premium The premium includes all applicable insurance premium tax (IPT). £ 3,518.41 £ 3,518.41 . Your Hiscox Insurance premium . Last year’s annual premium: This year’s annual premium £ 3,518.41 £ 3,518.41 . The premium includes all applicable insurance premium tax (IPT). Dear Mrs Claire Freeman . Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 2023-11-07 . Good news; if you want cover to continue with us and to make sure you stay protected by our award-winning cover, you do not need to do anything. We will update your policy onto our latest wording and continue to collect payment using the payment details we have for you. You must read the important information contained in this email and the attached documents Your Hiscox Insurance Premium breakdown The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). The amount shown as last year’s Annual premium will take into account any changes to the cover which may have been made during the last policy period. Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) Professional indemnity £3,740.44 £3,740.44 Legal protection £4,705.73 £4,705.73 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 Hussain, Bird and 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 2023-11-07 . We’re here between 8:30am - 5:30pm Monday to Friday . Please note that we can only discuss policy changes with people named on the policy. Why renew with Hiscox - Reassuring: we offer a range of cover options that can be tailored to your needs - Flexible: we offer full flexibility to change your policy, with no administration fees - Award-winning cover : we’ve been named Best Small Business Insurer 7 years running by Start Your Business Magazine Please click this link for the Hiscox Referral Portal: https://refer.aklamio.com/hiscox/uk?source=postpurchase Thank you again for choosing Hiscox to insure your business. We hope you and your business have a very successful year. Kind regards Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 2023-11-07 . Good news; if you want cover to continue with us and to make sure you stay protected by our award-winning cover, you do not need to do anything. We will update your policy onto our latest wording and continue to collect payment using the payment details we have for you. You must read the important information contained in this email and the attached documents Your Hiscox Insurance Premium breakdown The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). The amount shown as last year’s Annual premium will take into account any changes to the cover which may have been made during the last policy period. Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) Professional indemnity £3,740.44 £3,740.44 Legal protection £4,705.73 £4,705.73 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 Hussain, Bird and 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 2023-11-07 . We’re here between 8:30am - 5:30pm Monday to Friday . Please note that we can only discuss policy changes with people named on the policy. Why renew with Hiscox - Reassuring: we offer a range of cover options that can be tailored to your needs - Flexible: we offer full flexibility to change your policy, with no administration fees - Award-winning cover : we’ve been named Best Small Business Insurer 7 years running by Start Your Business Magazine Please click this link for the Hiscox Referral Portal: https://refer.aklamio.com/hiscox/uk?source=postpurchase Thank you again for choosing Hiscox to insure your business. We hope you and your business have a very successful year. Kind regards Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Your Hiscox Insurance Premium breakdown The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). Cover Professional indemnity Legal protection Crisis containment . Last year’s annual premium (exc IPT) £3,740.44 £4,705.73 £0.00 . This year’s annual Premium (exc IPT) £3,740.44 £4,705.73 . Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) . Professional indemnity £3,740.44 £3,740.44 . Legal protection £4,705.73 £4,705.73 . 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: Claire 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 03 August, 2021 £3,518.41 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: 5JM/UCZQ.F/THKLTQ79Y01 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 Hussain, Bird and 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:5JM/UCZQ.F/THKLTQ79Y01 Name of policy holder:Hussain, Bird and Simmons Period of insurance: From 2023-11-07 to Sunday 19 February, 2023 both days inclusive. This policy isa Continuing cover policy Insurer: Hiscox Insurance Company Limited Retroactive date: Tue 11 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: 2023-11-07 Insurance details Policy number: 5JM/UCZQ.F/THKLTQ79Y01 Period of insurance: From 2023-11-07 to Sunday 19 February, 2023 both days inclusive. This policy isa Continuing cover policy. Insured: Hussain, Bird and Simmons Address: Flat 99u Green turnpike Williamsstad FARNHAM B1C 8LZ Additional insureds: None Business: Management Consultants Premium details Charged premium – the total amount you’ll pay for this policy. Charged premium: £2,146.51 Insurance Premium Tax (IPT): £6,807.82 Total charged premium: £3,518.41 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: £2,146.51 Insurance Premium Tax (IPT): £6,807.82 Annual total: £3,518.41 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 £3,740.44 Legal protection £100,000 £0 £4,705.73 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: 2023-11-07 Limit of indemnity £1,000,000 Limit applies to in the aggregate, including all costs Excess £1,000 Excess applies to each and every claim or loss, including all costs Geographical limits Worldwide Applicable courts Worldwide (excluding United States of America and Canada) Claims brought in USA or Canada Not covered Additional covers (in addition to overall limit of indemnity stated above) Cover Limit of indemnity Limit applies to Court attendance compensation - employees £250 per person, per day Court attendance compensation - directors and partners£500 per person, per day Court attendance compensation: in total £100,000 in the aggregate Special limits (included within not in addition to the overall limit of indemnity stated above) Cover Limit of indemnity Limit applies to Personal data claims £250,000 in the aggregate, including all costs Business activities Business managementPage / 2 consultant Retroactive date Tue 11 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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5JM/UCZQ.F/THKLTQ79Y01
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2023-11-07
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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 - SYXKGPYUCDOH70069-EOU4HGX Company name: Hyde, Carter and Howard It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : SYXKGPYUCDOH70069-EOU4HGX. Company name: Hyde, Carter and Howard. Your Hiscox Insurance premium. Last year’s annual premium: This year’s annual premium. £ 5,778.07. £ 5,778.07. The premium includes all applicable insurance premium tax (IPT). Dear Mr Shirley Foster. Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 04/04/20 . Good news; if you want cover to continue with us and to make sure you stay protected by our award-winning cover, you do not need to do anything. We will update your policy onto our latest wording and continue to collect payment using the payment details we have for you. You must read the important information contained in this email and the attached documents. Your Hiscox Insurance Premium breakdown. The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). The amount shown as last year’s Annual premium will take into account any changes to the cover which may have been made during the last policy period. Cover. Last year’s annual premium (exc IPT). This year’s annual Premium (exc IPT). Professional indemnity. £8,656.19. £8,656.19. Legal protection. £1,622.91. £1,622.91. Crisis containment. £0.00. Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy . Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government increase in Insurance Premium Tax as shown. Is our information correct? Your premium and cover are based on what you’ve told us about Hyde, Carter and Howard , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay. . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover. Policy summary for each cover. ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover . As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before 04/04/20 . 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 : SYXKGPYUCDOH70069-EOU4HGX Company name: Hyde, Carter and Howard . It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : SYXKGPYUCDOH70069-EOU4HGX Company name: Hyde, Carter and Howard . Your Hiscox Insurance premium Last year’s annual premium: This year’s annual premium The premium includes all applicable insurance premium tax (IPT). £ 5,778.07 £ 5,778.07 . Your Hiscox Insurance premium . Last year’s annual premium: This year’s annual premium £ 5,778.07 £ 5,778.07 . The premium includes all applicable insurance premium tax (IPT). Dear Mr Shirley Foster . Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 04/04/20 . Good news; if you want cover to continue with us and to make sure you stay protected by our award-winning cover, you do not need to do anything. We will update your policy onto our latest wording and continue to collect payment using the payment details we have for you. You must read the important information contained in this email and the attached documents Your Hiscox Insurance Premium breakdown The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). The amount shown as last year’s Annual premium will take into account any changes to the cover which may have been made during the last policy period. Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) Professional indemnity £8,656.19 £8,656.19 Legal protection £1,622.91 £1,622.91 Crisis containment £0.00 Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government increase in Insurance Premium Tax as shown. Is our information correct? Your premium and cover are based on what you’ve told us about Hyde, Carter and Howard , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover Policy summary for each cover ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before 04/04/20 . 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 04/04/20 . Good news; if you want cover to continue with us and to make sure you stay protected by our award-winning cover, you do not need to do anything. We will update your policy onto our latest wording and continue to collect payment using the payment details we have for you. You must read the important information contained in this email and the attached documents Your Hiscox Insurance Premium breakdown The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). The amount shown as last year’s Annual premium will take into account any changes to the cover which may have been made during the last policy period. Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) Professional indemnity £8,656.19 £8,656.19 Legal protection £1,622.91 £1,622.91 Crisis containment £0.00 Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government increase in Insurance Premium Tax as shown. Is our information correct? Your premium and cover are based on what you’ve told us about Hyde, Carter and Howard , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover Policy summary for each cover ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before 04/04/20 . We’re here between 8:30am - 5:30pm Monday to Friday . Please note that we can only discuss policy changes with people named on the policy. Why renew with Hiscox - Reassuring: we offer a range of cover options that can be tailored to your needs - Flexible: we offer full flexibility to change your policy, with no administration fees - Award-winning cover : we’ve been named Best Small Business Insurer 7 years running by Start Your Business Magazine Please click this link for the Hiscox Referral Portal: https://refer.aklamio.com/hiscox/uk?source=postpurchase Thank you again for choosing Hiscox to insure your business. We hope you and your business have a very successful year. Kind regards Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Your Hiscox Insurance Premium breakdown The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). Cover Professional indemnity Legal protection Crisis containment . Last year’s annual premium (exc IPT) £8,656.19 £1,622.91 £0.00 . This year’s annual Premium (exc IPT) £8,656.19 £1,622.91 . Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) . Professional indemnity £8,656.19 £8,656.19 . Legal protection £1,622.91 £1,622.91 . Crisis containment £0.00 . Kind regards Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre . Kind regards . Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave . To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre . Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Page / 1 Hiscox Business Insurance Policy wording 17431a - DC565 WORDING 04/17Guide to sectionsIntroduction Policy wordings General terms and conditions Professional indemnity for business management consultants Legal protection Crisis containment Hiscox Business Insurance Policy wording 17431a - DC565 WORDING 04/17IntroductionThank you for choosing Hiscox to protect your business. We hope that the language and layout of this policy wording are clear because we want you to understand the insurance we provide as well as the responsibilities we have to each other. Please read this document, including the policy schedule, policy summary and statement of fact, and let us know as soon as possible if any of the details are shown incorrectly. We always try to deliver to the highest standards of service. Your views are important to us, so if you feel that our service is below the standard you would expect from Hiscox, please contact us on the phone number shown in your policy schedule. Please note that some of the words we use in this insurance are shown in bold type. These words are defined in each section of the wording. Page / 1 Hiscox Insurance Payment schedule Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Thank you for continuing to pay for your policy by Direct Debit. Please check these details and let us know if anything is incorrect or if the schedule is not suitable. Your reference details Account holder name: Shirley Foster 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 15 September, 2023 £5,778.07 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: SYXKGPYUCDOH70069-EOU4HGX 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 Hyde, Carter and Howard Hiscox Underwriting 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:SYXKGPYUCDOH70069-EOU4HGX Name of policy holder:Hyde, Carter and Howard Period of insurance: From 04/04/20 to Fri 15 December, 2023 both days inclusive. This policy isa Continuing cover policy Insurer: Hiscox Insurance Company Limited Retroactive date: 27/09/23 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: 04/04/20 Insurance details Policy number: SYXKGPYUCDOH70069-EOU4HGX Period of insurance: From 04/04/20 to Fri 15 December, 2023 both days inclusive. This policy isa Continuing cover policy. Insured: Hyde, Carter and Howard Address: Flat 77Y Benjamin squares East Marionfurt FARNHAM KT08 8PQ Additional insureds: None Business: Management Consultants Premium details Charged premium – the total amount you’ll pay for this policy. Charged premium: £4,665.67 Insurance Premium Tax (IPT): £2,097.58 Total charged premium: £5,778.07 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: £4,665.67 Insurance Premium Tax (IPT): £2,097.58 Annual total: £5,778.07 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 £8,656.19 Legal protection £100,000 £0 £1,622.91 Crisis containment £25,000 - £0.00 The figures above are in summary only and are not in addition to the amount insured specified against each cover section below. Hiscox Business Insurance Policy Schedule 14502 10/18 SECTION: PROFESSIONAL INDEMNITY – MANAGEMENT CONSULTANTS Cover start date: 04/04/20 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 27/09/23 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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SYXKGPYUCDOH70069-EOU4HGX
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04/04/20
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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 - DQT3GAP///7D5D4CBF Company name: Macdonald and Sons It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : DQT3GAP///7D5D4CBF. Company name: Macdonald and Sons. Your Hiscox Insurance premium. Last year’s annual premium: This year’s annual premium. £ 573.72. £ 573.72. The premium includes all applicable insurance premium tax (IPT). Dear Mrs Mr Karl Hamilton. Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on Sat 01 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. £4,121.06. £4,121.06. Legal protection. £1,026.74. £1,026.74. 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 Macdonald 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 01 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 : DQT3GAP///7D5D4CBF Company name: Macdonald and Sons . It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : DQT3GAP///7D5D4CBF Company name: Macdonald 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). £ 573.72 £ 573.72 . Your Hiscox Insurance premium . Last year’s annual premium: This year’s annual premium £ 573.72 £ 573.72 . The premium includes all applicable insurance premium tax (IPT). Dear Mrs Mr Karl Hamilton . Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on Sat 01 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 £4,121.06 £4,121.06 Legal protection £1,026.74 £1,026.74 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 Macdonald 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 01 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 Sat 01 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 £4,121.06 £4,121.06 Legal protection £1,026.74 £1,026.74 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 Macdonald 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 01 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) £4,121.06 £1,026.74 £0.00 . This year’s annual Premium (exc IPT) £4,121.06 £1,026.74 . Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) . Professional indemnity £4,121.06 £4,121.06 . Legal protection £1,026.74 £1,026.74 . 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: Mr Karl Hamilton 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 March, 2020 £573.72 Where your chosen collection date falls ona non-working day then we will endeavour to collect the next working day. For your information, the collections will be made using the following reference number: Originator Identification Number: 293461 Reference Number: DQT3GAP///7D5D4CBF 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 Macdonald 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:DQT3GAP///7D5D4CBF Name of policy holder:Macdonald and Sons Period of insurance: From Sat 01 November, 2025 to 07/02/19 both days inclusive. This policy isa Continuing cover policy Insurer: Hiscox Insurance Company Limited Retroactive date: 21/01/2025 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 01 November, 2025 Insurance details Policy number: DQT3GAP///7D5D4CBF Period of insurance: From Sat 01 November, 2025 to 07/02/19 both days inclusive. This policy isa Continuing cover policy. Insured: Macdonald and Sons Address: 69 Talbot walks Port Laurahaven FARNHAM IG2B 4QB Additional insureds: None Business: Management Consultants Premium details Charged premium – the total amount you’ll pay for this policy. Charged premium: £6,479.94 Insurance Premium Tax (IPT): £331.47 Total charged premium: £573.72 Annualised premium – the annual premium for this policy. This is given for comparison purposes. Please refer to the charged premium section for the amount you’ll pay for the policy. Annual premium: £6,479.94 Insurance Premium Tax (IPT): £331.47 Annual total: £573.72 Please note that there will be no refund or additional premium for any transaction which is less than £20 (excluding IPT). Hiscox Business Insurance Policy Schedule 14502 10/18 Summary Claims information If you need to make a claim: - For claims relating to your building or contents please contact our claims team on 0800 247 1902, 9.00am – 5:30pm Monday to Friday. If you wish to make a claim online, you can log most claims quickly and easily through our claims notification portal at https://claims.hiscox.co.uk/. Outside of normal business hours, if you require emergency assistance in relation to substantial damage to your property, you can speak to our 24-hour emergency assistance team using the telephone number above. Your policy schedule will state if property cover is included in your policy. Our out-of-hours emergency assistance team operate ona pay-and-claim basis and you will need to have credit card details available as appropriate. The team will then be able to direct you to essential tradesmen, emergency loss adjusters or disaster management companies in the event of substantial damage. - If there isa claim (or potential claim) against you bya third party, please email us at liability.claims@hiscox.com. If you need to speak to a member of the claims team urgently, please call our team on 0800 711 7156, 9.00am – 5:30pm Monday to Friday. If you wish to make a claim online, you can log most claims quickly and easily through our claims notification portal at https://claims.hiscox.co.uk/. You will need to provide your full name and contact details, the name of your business or organisation, your address and postcode, the policy reference and circumstances of the claim. The Important information and contact details section below contains additional information specific to the covers applicable to your policy. If you are unsure of who to contact please call our team on 0800 711 7156, 9.00am – 5:30pm Monday to Friday. They will ensure you get through to the correct claims team and let you know what actions you need to take. If anything happens that might be covered under the policy, you must comply with the obligations set out in General claims conditions, together with the obligations set out under Your obligations in the section or sections under which you are making the claim. Itis important that you read the policy for details of its terms in full. Your covers This isa summary of each section of your policy. See each section for cover details. Cover Insurance amount Excess Annual Premium (exc IPT) Professional indemnity £1,000,000 £1,000 £4,121.06 Legal protection £100,000 £0 £1,026.74 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: Sat 01 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 21/01/2025 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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DQT3GAP///7D5D4CBF
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(?<=Policy number - )[-\w_\/\.]+?(?= Company name)
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Sat 01 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 - CXQWCBZOSYQYNNDCNILT Company name: Parkinson, Wilson and Moran It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : CXQWCBZOSYQYNNDCNILT. Company name: Parkinson, Wilson and Moran. Your Hiscox Insurance premium. Last year’s annual premium: This year’s annual premium. £ 1,748.57. £ 1,748.57. The premium includes all applicable insurance premium tax (IPT). Dear Ms Mr Timothy Pickering. Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 2023-01-21 . 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. £1,574.41. £1,574.41. Legal protection. £2,456.51. £2,456.51. Crisis containment. £0.00. Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy . Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government increase in Insurance Premium Tax as shown. Is our information correct? Your premium and cover are based on what you’ve told us about Parkinson, Wilson and Moran , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay. . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover. Policy summary for each cover. ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover . As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before 2023-01-21 . 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 : CXQWCBZOSYQYNNDCNILT Company name: Parkinson, Wilson and Moran . It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : CXQWCBZOSYQYNNDCNILT Company name: Parkinson, Wilson and Moran . Your Hiscox Insurance premium Last year’s annual premium: This year’s annual premium The premium includes all applicable insurance premium tax (IPT). £ 1,748.57 £ 1,748.57 . Your Hiscox Insurance premium . Last year’s annual premium: This year’s annual premium £ 1,748.57 £ 1,748.57 . The premium includes all applicable insurance premium tax (IPT). Dear Ms Mr Timothy Pickering . Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 2023-01-21 . 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 £1,574.41 £1,574.41 Legal protection £2,456.51 £2,456.51 Crisis containment £0.00 Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government increase in Insurance Premium Tax as shown. Is our information correct? Your premium and cover are based on what you’ve told us about Parkinson, Wilson and Moran , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover Policy summary for each cover ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before 2023-01-21 . 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 2023-01-21 . 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 £1,574.41 £1,574.41 Legal protection £2,456.51 £2,456.51 Crisis containment £0.00 Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government increase in Insurance Premium Tax as shown. Is our information correct? Your premium and cover are based on what you’ve told us about Parkinson, Wilson and Moran , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover Policy summary for each cover ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before 2023-01-21 . 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) £1,574.41 £2,456.51 £0.00 . This year’s annual Premium (exc IPT) £1,574.41 £2,456.51 . Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) . Professional indemnity £1,574.41 £1,574.41 . Legal protection £2,456.51 £2,456.51 . Crisis containment £0.00 . Kind regards Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre . Kind regards . Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave . To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre . Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Page / 1 Hiscox Business Insurance Policy wording 17431a - DC565 WORDING 04/17Guide to sectionsIntroduction Policy wordings General terms and conditions Professional indemnity for business management consultants Legal protection Crisis containment Hiscox Business Insurance Policy wording 17431a - DC565 WORDING 04/17IntroductionThank you for choosing Hiscox to protect your business. We hope that the language and layout of this policy wording are clear because we want you to understand the insurance we provide as well as the responsibilities we have to each other. Please read this document, including the policy schedule, policy summary and statement of fact, and let us know as soon as possible if any of the details are shown incorrectly. We always try to deliver to the highest standards of service. Your views are important to us, so if you feel that our service is below the standard you would expect from Hiscox, please contact us on the phone number shown in your policy schedule. Please note that some of the words we use in this insurance are shown in bold type. These words are defined in each section of the wording. Page / 1 Hiscox Insurance Payment schedule Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Thank you for continuing to pay for your policy by Direct Debit. Please check these details and let us know if anything is incorrect or if the schedule is not suitable. Your reference details Account holder name: Mr Timothy 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 26/04/2022 £1,748.57 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: CXQWCBZOSYQYNNDCNILT 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, Wilson and Moran Hiscox Underwriting 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:CXQWCBZOSYQYNNDCNILT Name of policy holder:Parkinson, Wilson and Moran Period of insurance: From 2023-01-21 to 12 May, 2020 both days inclusive. This policy isa Continuing cover policy Insurer: Hiscox Insurance Company Limited Retroactive date: Friday 24 October, 2025 Level of cover:£1,000,000 Signed on behalf of Hiscox Underwriting Limited as agent for the insurers Jon Dye CEO, Hiscox UK Notes: (a) This insurance is subject to policy terms and conditions and any special terms notified to the InsuredPage / 1 Hiscox Business Insurance Policy Schedule 14502 10/18 This schedule tells you what is insured with us. It should be read carefully with your policy wording(s) and statement of fact detailed elsewhere in this document. Schedule effective date: 2023-01-21 Insurance details Policy number: CXQWCBZOSYQYNNDCNILT Period of insurance: From 2023-01-21 to 12 May, 2020 both days inclusive. This policy isa Continuing cover policy. Insured: Parkinson, Wilson and Moran Address: 144 Hopkins ramp Janiceshire FARNHAM S35 9PW Additional insureds: None Business: Management Consultants Premium details Charged premium – the total amount you’ll pay for this policy. Charged premium: £5,506.51 Insurance Premium Tax (IPT): £4,666.76 Total charged premium: £1,748.57 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: £5,506.51 Insurance Premium Tax (IPT): £4,666.76 Annual total: £1,748.57 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 £1,574.41 Legal protection £100,000 £0 £2,456.51 Crisis containment £25,000 - £0.00 The figures above are in summary only and are not in addition to the amount insured specified against each cover section below. Hiscox Business Insurance Policy Schedule 14502 10/18 SECTION: PROFESSIONAL INDEMNITY – MANAGEMENT CONSULTANTS Cover start date: 2023-01-21 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 Friday 24 October, 2025 Insurer Hiscox Insurance Company LimitedPage / 1 Hiscox Insurance Summary of change Introduction This document has been created to help you understand the key changes to your Hiscox Insurance policy and how they may impact you. Your policy continues to offer professional, tailored insurance to protect you and give you peace of mind that if you need us, you will be supported by our award winning claims team. If you have a query not covered by this document, or if you have any questions or concerns about your policy you should contact us. Frequently asked questions What if my circumstances change during the period of insurance? If your circumstances change during the period of insurance, you only need to let us know if the change means that any of the information in the Statement of Fact is no longer true, complete and accurate. If there are no such changes, you do not need to let us know. If any of the information within the Statement of Fact becomes no longer complete, true or accurate at any point during the period of insurance you must tell us as it may affect the validity of the policy or our ability to pay a claim. Additionally, if your contact details change then you should let us know straightaway. Where doI find the limits that apply to my policy? You can find your maximum allowable limits for turnover and wage rollin your Statement of Fact. You must check this information and tell us or your broker if you expect to exceed the maximum amounts shown. Please note these values may have changed. If there are special limits or special excesses applying to particular covers or types of losses these will be shown in the policy schedule. Please check your policy schedule carefully as they may have changed. My new schedule shows a different premium to last year? What has changed? If an underwriter has reviewed your policy then they may have manually adjusted your premium, for example if you’ve had claims in the last 12 months. Where doI find out about any endorsements on my policy? You will be able to see if an endorsement has been applied or removed by reviewing your Policy Schedule. If you have any queries or concerns, please contact us or your broker if you have one. Hiscox Insurance Summary of change Professional indemnity for business management consultants Summary of change Changes to the cover The following table shows the differences between our new policy wordings (5570 WD- PROF-UK-MAN(7), 15579 WD-PROF-UK-MAN-AG(3)) and our previous wordings (5570 WD-PROF-UK-MAN(6), 15579 WD-PROF-UK-MAN-AG(2)). This isa summary of the changes only. You should refer to the schedule and policy wording for the full description of the cover in place. Area of cover Previous policy New policy Improvement in cover Claims against you Advertising claims. We will pay claims arising from your advertising or branding for defamation or infringement of copyright or moral rights. This does not include claims for passing off, unauthorised use of trademarks or false or misleading advertising. Previously cover was not restricted to defamation or the infringement of copyright or moral rights.Covered Amended Your own lossesChanges to ‘what is covered’ Losses from dishonesty. Your losses arising from the dishonesty of your employees, sub-contractors or outsourcers.Covered Not covered Area of cover Previous policy New policy Improvement in cover Cyber incident. We will not pay claims relating to an actual or possible cyber attack, hacker or social engineering communication. Previously we excluded any virus not specifically targeted at your system.Covered Not covered Computer or digital technology error. We will not pay claims arising from any negligent act, error or omission in the operation or maintenance of computer or digital technology such as development, installation, patching or upgrading.Covered Not coveredChanges to ‘what is not covered’ Infrastructure. We will not pay claims arising from the failure of the service provided by internet, telecommunications, utilities or other infrastructure providers.Covered Not covered Hiscox Insurance Summary of change Personal data. We will not pay claims relating to personal data. We will pay such claims where they arise from your performance ofa business activity and which is not otherwise excluded. Subject to the limit shown in the schedule.Covered Not covered Other important changes Control of defence. Under the previous wording we had a duty to defend you against any covered claim brought against you. We now have the right but not the obligation to take control of the conduct of the claim including the appointment of legal representation. Please refer to the policy wording for full details. SOC-PROF-UK-MAN(1) 21367 01/21
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Hiscox Business Insurance - Policy number - 9W5KIC/TV1X64A162WR0V Company name: Allen-Davies It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : 9W5KIC/TV1X64A162WR0V. Company name: Allen-Davies. Your Hiscox Insurance premium. Last year’s annual premium: This year’s annual premium. £ 1,802.91. £ 1,802.91. The premium includes all applicable insurance premium tax (IPT). Dear Ms Nigel Parker. Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 04/06/24 . Good news; if you want cover to continue with us and to make sure you stay protected by our award-winning cover, you do not need to do anything. We will update your policy onto our latest wording and continue to collect payment using the payment details we have for you. You must read the important information contained in this email and the attached documents. Your Hiscox Insurance Premium breakdown. The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). The amount shown as last year’s Annual premium will take into account any changes to the cover which may have been made during the last policy period. Cover. Last year’s annual premium (exc IPT). This year’s annual Premium (exc IPT). Professional indemnity. £7,702.53. £7,702.53. Legal protection. £392.83. £392.83. 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 Allen-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 04/06/24 . We’re here between 8:30am - 5:30pm Monday to Friday . Please note that we can only discuss policy changes with people named on the policy. Why renew with Hiscox. - Reassuring: we offer a range of cover options that can be tailored to your needs. - Flexible: we offer full flexibility to change your policy, with no administration fees . - Award-winning cover : we’ve been named Best Small Business Insurer 7 years running by Start Your Business Magazine . Please click this link for the Hiscox Referral Portal: https://refer.aklamio.com/hiscox/uk?source=postpurchase. Thank you again for choosing Hiscox to insure your business. We hope you and your business have a very successful year. Kind regards. Jon Dye. CEO, Hiscox UK. Business Insurance for the small and the brave. To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre. Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. This email and any files transmitted with it are confidential and intended solely for the use of the individual or entity to whom they are addressed. No one else is authorised to distribute, forward, print, copy or act upon any information contained in this email. If you have received this email in error, please notify the sender. Hiscox Syndicates Limited and Hiscox Insurance Company Limited are authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Hiscox Underwriting Limited, Hiscox Underwriting Services Ltd, Hiscox MGA Ltd and Hiscox ASM Ltd are authorised and regulated by the Financial Conduct Authority. Hiscox Assure SAS is duly registered as an insurance broker with the ORIAS, which is the French Official Registry of Insurance Intermediaries. Hiscox plc is a company registered in England and Wales under company registration number 2837811 and registered office at 1 Great St Helen's, London EC3A 6HX. Hiscox SA is a company registered in Luxembourg at 35 Avenue John F. Kennedy 35F, Luxembourg L-1855, and is authorised by the Commissariat aux Assurances de Luxembourg. It’s time to renew your Hiscox Business Insurance Hiscox Insurance policy number : 9W5KIC/TV1X64A162WR0V Company name: Allen-Davies . It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : 9W5KIC/TV1X64A162WR0V Company name: Allen-Davies . Your Hiscox Insurance premium Last year’s annual premium: This year’s annual premium The premium includes all applicable insurance premium tax (IPT). £ 1,802.91 £ 1,802.91 . Your Hiscox Insurance premium . Last year’s annual premium: This year’s annual premium £ 1,802.91 £ 1,802.91 . The premium includes all applicable insurance premium tax (IPT). Dear Ms Nigel Parker . Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 04/06/24 . Good news; if you want cover to continue with us and to make sure you stay protected by our award-winning cover, you do not need to do anything. We will update your policy onto our latest wording and continue to collect payment using the payment details we have for you. You must read the important information contained in this email and the attached documents Your Hiscox Insurance Premium breakdown The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). The amount shown as last year’s Annual premium will take into account any changes to the cover which may have been made during the last policy period. Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) Professional indemnity £7,702.53 £7,702.53 Legal protection £392.83 £392.83 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 Allen-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 04/06/24 . We’re here between 8:30am - 5:30pm Monday to Friday . Please note that we can only discuss policy changes with people named on the policy. Why renew with Hiscox - Reassuring: we offer a range of cover options that can be tailored to your needs - Flexible: we offer full flexibility to change your policy, with no administration fees - Award-winning cover : we’ve been named Best Small Business Insurer 7 years running by Start Your Business Magazine Please click this link for the Hiscox Referral Portal: https://refer.aklamio.com/hiscox/uk?source=postpurchase Thank you again for choosing Hiscox to insure your business. We hope you and your business have a very successful year. Kind regards Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 04/06/24 . Good news; if you want cover to continue with us and to make sure you stay protected by our award-winning cover, you do not need to do anything. We will update your policy onto our latest wording and continue to collect payment using the payment details we have for you. You must read the important information contained in this email and the attached documents Your Hiscox Insurance Premium breakdown The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). The amount shown as last year’s Annual premium will take into account any changes to the cover which may have been made during the last policy period. Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) Professional indemnity £7,702.53 £7,702.53 Legal protection £392.83 £392.83 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 Allen-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 04/06/24 . We’re here between 8:30am - 5:30pm Monday to Friday . Please note that we can only discuss policy changes with people named on the policy. Why renew with Hiscox - Reassuring: we offer a range of cover options that can be tailored to your needs - Flexible: we offer full flexibility to change your policy, with no administration fees - Award-winning cover : we’ve been named Best Small Business Insurer 7 years running by Start Your Business Magazine Please click this link for the Hiscox Referral Portal: https://refer.aklamio.com/hiscox/uk?source=postpurchase Thank you again for choosing Hiscox to insure your business. We hope you and your business have a very successful year. Kind regards Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Your Hiscox Insurance Premium breakdown The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). Cover Professional indemnity Legal protection Crisis containment . Last year’s annual premium (exc IPT) £7,702.53 £392.83 £0.00 . This year’s annual Premium (exc IPT) £7,702.53 £392.83 . Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) . Professional indemnity £7,702.53 £7,702.53 . Legal protection £392.83 £392.83 . 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: Nigel Parker 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 04/06/2025 £1,802.91 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: 9W5KIC/TV1X64A162WR0V 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 Allen-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:9W5KIC/TV1X64A162WR0V Name of policy holder:Allen-Davies Period of insurance: From 04/06/24 to 2023-08-16 both days inclusive. This policy isa Continuing cover policy Insurer: Hiscox Insurance Company Limited Retroactive date: 19/01/21 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: 04/06/24 Insurance details Policy number: 9W5KIC/TV1X64A162WR0V Period of insurance: From 04/06/24 to 2023-08-16 both days inclusive. This policy isa Continuing cover policy. Insured: Allen-Davies Address: 63 Victor forest Abdulmouth FARNHAM ST7A 2HA Additional insureds: None Business: Management Consultants Premium details Charged premium – the total amount you’ll pay for this policy. Charged premium: £2,202.30 Insurance Premium Tax (IPT): £392.12 Total charged premium: £1,802.91 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: £2,202.30 Insurance Premium Tax (IPT): £392.12 Annual total: £1,802.91 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 £7,702.53 Legal protection £100,000 £0 £392.83 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: 04/06/24 Limit of indemnity £1,000,000 Limit applies to in the aggregate, including all costs Excess £1,000 Excess applies to each and every claim or loss, including all costs Geographical limits Worldwide Applicable courts Worldwide (excluding United States of America and Canada) Claims brought in USA or Canada Not covered Additional covers (in addition to overall limit of indemnity stated above) Cover Limit of indemnity Limit applies to Court attendance compensation - employees £250 per person, per day Court attendance compensation - directors and partners£500 per person, per day Court attendance compensation: in total £100,000 in the aggregate Special limits (included within not in addition to the overall limit of indemnity stated above) Cover Limit of indemnity Limit applies to Personal data claims £250,000 in the aggregate, including all costs Business activities Business managementPage / 2 consultant Retroactive date 19/01/21 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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9W5KIC/TV1X64A162WR0V
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(?<=Policy number - )[-\w_\/\.]+?(?= Company name)
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04/06/24
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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 - 0H/W//L-YX/ZFF.Y27QS2 Company name: Warren, Hughes and Walker It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : 0H/W//L-YX/ZFF.Y27QS2. Company name: Warren, Hughes and Walker. Your Hiscox Insurance premium. Last year’s annual premium: This year’s annual premium. £ 1,834.26. £ 1,834.26. The premium includes all applicable insurance premium tax (IPT). Dear Dr Kieran Williams. Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 20/04/22 . Good news; if you want cover to continue with us and to make sure you stay protected by our award-winning cover, you do not need to do anything. We will update your policy onto our latest wording and continue to collect payment using the payment details we have for you. You must read the important information contained in this email and the attached documents. Your Hiscox Insurance Premium breakdown. The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). The amount shown as last year’s Annual premium will take into account any changes to the cover which may have been made during the last policy period. Cover. Last year’s annual premium (exc IPT). This year’s annual Premium (exc IPT). Professional indemnity. £694.28. £694.28. Legal protection. £9,728.24. £9,728.24. 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 Warren, Hughes and 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 20/04/22 . We’re here between 8:30am - 5:30pm Monday to Friday . Please note that we can only discuss policy changes with people named on the policy. Why renew with Hiscox. - Reassuring: we offer a range of cover options that can be tailored to your needs. - Flexible: we offer full flexibility to change your policy, with no administration fees . - Award-winning cover : we’ve been named Best Small Business Insurer 7 years running by Start Your Business Magazine . Please click this link for the Hiscox Referral Portal: https://refer.aklamio.com/hiscox/uk?source=postpurchase. Thank you again for choosing Hiscox to insure your business. We hope you and your business have a very successful year. Kind regards. Jon Dye. CEO, Hiscox UK. Business Insurance for the small and the brave. To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre. Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. This email and any files transmitted with it are confidential and intended solely for the use of the individual or entity to whom they are addressed. No one else is authorised to distribute, forward, print, copy or act upon any information contained in this email. If you have received this email in error, please notify the sender. Hiscox Syndicates Limited and Hiscox Insurance Company Limited are authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Hiscox Underwriting Limited, Hiscox Underwriting Services Ltd, Hiscox MGA Ltd and Hiscox ASM Ltd are authorised and regulated by the Financial Conduct Authority. Hiscox Assure SAS is duly registered as an insurance broker with the ORIAS, which is the French Official Registry of Insurance Intermediaries. Hiscox plc is a company registered in England and Wales under company registration number 2837811 and registered office at 1 Great St Helen's, London EC3A 6HX. Hiscox SA is a company registered in Luxembourg at 35 Avenue John F. Kennedy 35F, Luxembourg L-1855, and is authorised by the Commissariat aux Assurances de Luxembourg. It’s time to renew your Hiscox Business Insurance Hiscox Insurance policy number : 0H/W//L-YX/ZFF.Y27QS2 Company name: Warren, Hughes and Walker . It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : 0H/W//L-YX/ZFF.Y27QS2 Company name: Warren, Hughes and Walker . Your Hiscox Insurance premium Last year’s annual premium: This year’s annual premium The premium includes all applicable insurance premium tax (IPT). £ 1,834.26 £ 1,834.26 . Your Hiscox Insurance premium . Last year’s annual premium: This year’s annual premium £ 1,834.26 £ 1,834.26 . The premium includes all applicable insurance premium tax (IPT). Dear Dr Kieran Williams . Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 20/04/22 . Good news; if you want cover to continue with us and to make sure you stay protected by our award-winning cover, you do not need to do anything. We will update your policy onto our latest wording and continue to collect payment using the payment details we have for you. You must read the important information contained in this email and the attached documents Your Hiscox Insurance Premium breakdown The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). The amount shown as last year’s Annual premium will take into account any changes to the cover which may have been made during the last policy period. Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) Professional indemnity £694.28 £694.28 Legal protection £9,728.24 £9,728.24 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 Warren, Hughes and 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 20/04/22 . We’re here between 8:30am - 5:30pm Monday to Friday . Please note that we can only discuss policy changes with people named on the policy. Why renew with Hiscox - Reassuring: we offer a range of cover options that can be tailored to your needs - Flexible: we offer full flexibility to change your policy, with no administration fees - Award-winning cover : we’ve been named Best Small Business Insurer 7 years running by Start Your Business Magazine Please click this link for the Hiscox Referral Portal: https://refer.aklamio.com/hiscox/uk?source=postpurchase Thank you again for choosing Hiscox to insure your business. We hope you and your business have a very successful year. Kind regards Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 20/04/22 . Good news; if you want cover to continue with us and to make sure you stay protected by our award-winning cover, you do not need to do anything. We will update your policy onto our latest wording and continue to collect payment using the payment details we have for you. You must read the important information contained in this email and the attached documents Your Hiscox Insurance Premium breakdown The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). The amount shown as last year’s Annual premium will take into account any changes to the cover which may have been made during the last policy period. Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) Professional indemnity £694.28 £694.28 Legal protection £9,728.24 £9,728.24 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 Warren, Hughes and 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 20/04/22 . We’re here between 8:30am - 5:30pm Monday to Friday . Please note that we can only discuss policy changes with people named on the policy. Why renew with Hiscox - Reassuring: we offer a range of cover options that can be tailored to your needs - Flexible: we offer full flexibility to change your policy, with no administration fees - Award-winning cover : we’ve been named Best Small Business Insurer 7 years running by Start Your Business Magazine Please click this link for the Hiscox Referral Portal: https://refer.aklamio.com/hiscox/uk?source=postpurchase Thank you again for choosing Hiscox to insure your business. We hope you and your business have a very successful year. Kind regards Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Your Hiscox Insurance Premium breakdown The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). Cover Professional indemnity Legal protection Crisis containment . Last year’s annual premium (exc IPT) £694.28 £9,728.24 £0.00 . This year’s annual Premium (exc IPT) £694.28 £9,728.24 . Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) . Professional indemnity £694.28 £694.28 . Legal protection £9,728.24 £9,728.24 . 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: Kieran 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 2025-06-07 £1,834.26 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: 0H/W//L-YX/ZFF.Y27QS2 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 Warren, Hughes and 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:0H/W//L-YX/ZFF.Y27QS2 Name of policy holder:Warren, Hughes and Walker Period of insurance: From 20/04/22 to 2025-11-03 both days inclusive. This policy isa Continuing cover policy Insurer: Hiscox Insurance Company Limited Retroactive date: 2021-01-27 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: 20/04/22 Insurance details Policy number: 0H/W//L-YX/ZFF.Y27QS2 Period of insurance: From 20/04/22 to 2025-11-03 both days inclusive. This policy isa Continuing cover policy. Insured: Warren, Hughes and Walker Address: 8 Mills crescent Mannborough FARNHAM M8E 8YQ Additional insureds: None Business: Management Consultants Premium details Charged premium – the total amount you’ll pay for this policy. Charged premium: £5,896.20 Insurance Premium Tax (IPT): £9,792.11 Total charged premium: £1,834.26 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: £5,896.20 Insurance Premium Tax (IPT): £9,792.11 Annual total: £1,834.26 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 £694.28 Legal protection £100,000 £0 £9,728.24 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: 20/04/22 Limit of indemnity £1,000,000 Limit applies to in the aggregate, including all costs Excess £1,000 Excess applies to each and every claim or loss, including all costs Geographical limits Worldwide Applicable courts Worldwide (excluding United States of America and Canada) Claims brought in USA or Canada Not covered Additional covers (in addition to overall limit of indemnity stated above) Cover Limit of indemnity Limit applies to Court attendance compensation - employees £250 per person, per day Court attendance compensation - directors and partners£500 per person, per day Court attendance compensation: in total £100,000 in the aggregate Special limits (included within not in addition to the overall limit of indemnity stated above) Cover Limit of indemnity Limit applies to Personal data claims £250,000 in the aggregate, including all costs Business activities Business managementPage / 2 consultant Retroactive date 2021-01-27 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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0H/W//L-YX/ZFF.Y27QS2
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(?<=Policy number - )[-\w_\/\.]+?(?= Company name)
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20/04/22
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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 - 4-D//2O7 Company name: Watson, Russell and Dobson It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : 4-D//2O7. Company name: Watson, Russell and Dobson. Your Hiscox Insurance premium. Last year’s annual premium: This year’s annual premium. £ 4,588.95. £ 4,588.95. The premium includes all applicable insurance premium tax (IPT). Dear Dr Dr Alexandra Jones. Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on Monday 27 December, 2021 . Good news; if you want cover to continue with us and to make sure you stay protected by our award-winning cover, you do not need to do anything. We will update your policy onto our latest wording and continue to collect payment using the payment details we have for you. You must read the important information contained in this email and the attached documents. Your Hiscox Insurance Premium breakdown. The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). The amount shown as last year’s Annual premium will take into account any changes to the cover which may have been made during the last policy period. Cover. Last year’s annual premium (exc IPT). This year’s annual Premium (exc IPT). Professional indemnity. £9,839.13. £9,839.13. Legal protection. £4,725.06. £4,725.06. Crisis containment. £0.00. Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy . Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government increase in Insurance Premium Tax as shown. Is our information correct? Your premium and cover are based on what you’ve told us about Watson, Russell and Dobson , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay. . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover. Policy summary for each cover. ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover . As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, 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 27 December, 2021 . We’re here between 8:30am - 5:30pm Monday to Friday . Please note that we can only discuss policy changes with people named on the policy. Why renew with Hiscox. - Reassuring: we offer a range of cover options that can be tailored to your needs. - Flexible: we offer full flexibility to change your policy, with no administration fees . - Award-winning cover : we’ve been named Best Small Business Insurer 7 years running by Start Your Business Magazine . Please click this link for the Hiscox Referral Portal: https://refer.aklamio.com/hiscox/uk?source=postpurchase. Thank you again for choosing Hiscox to insure your business. We hope you and your business have a very successful year. Kind regards. Jon Dye. CEO, Hiscox UK. Business Insurance for the small and the brave. To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre. Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. This email and any files transmitted with it are confidential and intended solely for the use of the individual or entity to whom they are addressed. No one else is authorised to distribute, forward, print, copy or act upon any information contained in this email. If you have received this email in error, please notify the sender. Hiscox Syndicates Limited and Hiscox Insurance Company Limited are authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Hiscox Underwriting Limited, Hiscox Underwriting Services Ltd, Hiscox MGA Ltd and Hiscox ASM Ltd are authorised and regulated by the Financial Conduct Authority. Hiscox Assure SAS is duly registered as an insurance broker with the ORIAS, which is the French Official Registry of Insurance Intermediaries. Hiscox plc is a company registered in England and Wales under company registration number 2837811 and registered office at 1 Great St Helen's, London EC3A 6HX. Hiscox SA is a company registered in Luxembourg at 35 Avenue John F. Kennedy 35F, Luxembourg L-1855, and is authorised by the Commissariat aux Assurances de Luxembourg. It’s time to renew your Hiscox Business Insurance Hiscox Insurance policy number : 4-D//2O7 Company name: Watson, Russell and Dobson . It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : 4-D//2O7 Company name: Watson, Russell and Dobson . Your Hiscox Insurance premium Last year’s annual premium: This year’s annual premium The premium includes all applicable insurance premium tax (IPT). £ 4,588.95 £ 4,588.95 . Your Hiscox Insurance premium . Last year’s annual premium: This year’s annual premium £ 4,588.95 £ 4,588.95 . The premium includes all applicable insurance premium tax (IPT). Dear Dr Dr Alexandra Jones . Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on Monday 27 December, 2021 . Good news; if you want cover to continue with us and to make sure you stay protected by our award-winning cover, you do not need to do anything. We will update your policy onto our latest wording and continue to collect payment using the payment details we have for you. You must read the important information contained in this email and the attached documents Your Hiscox Insurance Premium breakdown The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). The amount shown as last year’s Annual premium will take into account any changes to the cover which may have been made during the last policy period. Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) Professional indemnity £9,839.13 £9,839.13 Legal protection £4,725.06 £4,725.06 Crisis containment £0.00 Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government increase in Insurance Premium Tax as shown. Is our information correct? Your premium and cover are based on what you’ve told us about Watson, Russell and Dobson , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover Policy summary for each cover ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, 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 27 December, 2021 . We’re here between 8:30am - 5:30pm Monday to Friday . Please note that we can only discuss policy changes with people named on the policy. Why renew with Hiscox - Reassuring: we offer a range of cover options that can be tailored to your needs - Flexible: we offer full flexibility to change your policy, with no administration fees - Award-winning cover : we’ve been named Best Small Business Insurer 7 years running by Start Your Business Magazine Please click this link for the Hiscox Referral Portal: https://refer.aklamio.com/hiscox/uk?source=postpurchase Thank you again for choosing Hiscox to insure your business. We hope you and your business have a very successful year. Kind regards Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on Monday 27 December, 2021 . Good news; if you want cover to continue with us and to make sure you stay protected by our award-winning cover, you do not need to do anything. We will update your policy onto our latest wording and continue to collect payment using the payment details we have for you. You must read the important information contained in this email and the attached documents Your Hiscox Insurance Premium breakdown The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). The amount shown as last year’s Annual premium will take into account any changes to the cover which may have been made during the last policy period. Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) Professional indemnity £9,839.13 £9,839.13 Legal protection £4,725.06 £4,725.06 Crisis containment £0.00 Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government increase in Insurance Premium Tax as shown. Is our information correct? Your premium and cover are based on what you’ve told us about Watson, Russell and Dobson , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover Policy summary for each cover ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, 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 27 December, 2021 . We’re here between 8:30am - 5:30pm Monday to Friday . Please note that we can only discuss policy changes with people named on the policy. Why renew with Hiscox - Reassuring: we offer a range of cover options that can be tailored to your needs - Flexible: we offer full flexibility to change your policy, with no administration fees - Award-winning cover : we’ve been named Best Small Business Insurer 7 years running by Start Your Business Magazine Please click this link for the Hiscox Referral Portal: https://refer.aklamio.com/hiscox/uk?source=postpurchase Thank you again for choosing Hiscox to insure your business. We hope you and your business have a very successful year. Kind regards Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Your Hiscox Insurance Premium breakdown The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). Cover Professional indemnity Legal protection Crisis containment . Last year’s annual premium (exc IPT) £9,839.13 £4,725.06 £0.00 . This year’s annual Premium (exc IPT) £9,839.13 £4,725.06 . Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) . Professional indemnity £9,839.13 £9,839.13 . Legal protection £4,725.06 £4,725.06 . Crisis containment £0.00 . Kind regards Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre . Kind regards . Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave . To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre . Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Page / 1 Hiscox Business Insurance Policy wording 17431a - DC565 WORDING 04/17Guide to sectionsIntroduction Policy wordings General terms and conditions Professional indemnity for business management consultants Legal protection Crisis containment Hiscox Business Insurance Policy wording 17431a - DC565 WORDING 04/17IntroductionThank you for choosing Hiscox to protect your business. We hope that the language and layout of this policy wording are clear because we want you to understand the insurance we provide as well as the responsibilities we have to each other. Please read this document, including the policy schedule, policy summary and statement of fact, and let us know as soon as possible if any of the details are shown incorrectly. We always try to deliver to the highest standards of service. Your views are important to us, so if you feel that our service is below the standard you would expect from Hiscox, please contact us on the phone number shown in your policy schedule. Please note that some of the words we use in this insurance are shown in bold type. These words are defined in each section of the wording. Page / 1 Hiscox Insurance Payment schedule Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Thank you for continuing to pay for your policy by Direct Debit. Please check these details and let us know if anything is incorrect or if the schedule is not suitable. Your reference details Account holder name: Dr Alexandra 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 13 July, 2019 £4,588.95 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: 4-D//2O7 If you have any questions about your policy or payments, please call us on 0800 280 0351. We’re here between 8:30am - 5:30pm Monday to Friday or you can email us at service@hiscox.co.uk. Using your personal information Hiscox isa trading name ofa number of Hiscox companies. The specific company acting asa data controller of your personal information will be listed in the documentation we provide to you. If you are unsure you can also contact us at anytime by telephoning 01904 681198 or by emailing us at dataprotectionofficer@hiscox.com. We collect and process information about you in order to provide insurance policies and to process claims. Your information is also used for business purposes such as fraud prevention and detection and financial management. This may involve sharing your information with, and obtaining information about you from, our group companies and third parties such as brokers, loss adjusters, credit reference agencies, service providers, professional advisors, our regulators or fraud prevention agencies. We may record telephone calls to help us monitor and improve the service we provide. For further information on how your information is used and your rights in relation to your information please see our privacy policy at www.hiscox.co.uk/cookies-privacy. The Direct Debit Guarantee This Guarantee is offered by all banks and building societies that accept instructions to pay Direct Debits. If there are any changes to the amount, date or frequency of your Direct Debit Hiscox Underwriting Ltd will notify you ten working days in advance of your account being debited or as otherwise agreed. If you request Hiscox Underwriting Ltd to collect a payment, confirmation of the amount and date will be given to you at the time of the request. If an error is made in the payment of your Direct Debit by Hiscox Underwriting Ltd or your bank or building society you are entitled to a full and immediate refund of the amount paid from your bank or building society. – If you receive a refund you are not entitled to, you must pay it back when Hiscox Underwriting Ltd asks you to. You can cancel a Direct Debit at anytime by simply contacting your bank or building society. Written confirmation maybe required. Please also notify us. Page / 1 Hiscox Business Insurance Policy summary JAC-PSC-UK-DC556(5.4) 17431b 07/20 Your Hiscox Business Insurance policy summaries This document contains the summaries for any policy covers you have selected to protect your business. These summaries outline the key information about your policies so you can be confident that you have understood what you have bought and what you are covered for. However, you should carefully read your policy in full and ensure that you understand its terms and conditions in full. If you have any queries, you should contact Hiscox or your insurance advisor. Your side of the bargain Remember, your premium and insurance are based on the details you have provided to us. Please make sure this information accurately reflects your business and that you inform us immediately if anything needs to change. Please also tell us of any changes in circumstances that may affect the services provided by us or the cover provided by your policy. This is particularly important before taking out a policy, but it also applies throughout the life of the policy too. You need to consider: ■if you fail to fairly present the risk to us, including by failing to disclose any information material to the insurance, you could invalidate the policy, claims may not be paid or the amount we pay maybe reduced; ■you should read and check all insurance documents to ensure that you are aware of the cover, limits and other terms that apply; ■if you fail to let us know of any changes to your circumstances during the period of insurance or, if when telling us about such changes you fail to present the risk to us fairly, you could invalidate the policy, claims may not be paid or the amount we pay maybe reduced; ■please be aware of all terms and conditions of your policy because failure to comply with them could invalidate it or result in us not paying a claim or reducing the amount we pay; ■in the event ofa claim, you should take note of the required procedures, such as giving Hiscox prompt notice of the claims, as stated in the policy documentation. In particular, if you fail to notify us when you first become aware ofa shortcoming, fact, or problem, admit you are liable for what has happened or appoint solicitors or other legal representation without our prior written approval, claims or defence costs may not be paid or the amount we pay maybe reduced; ■as with any insurance, you have an obligation to take reasonable steps to mitigate any loss or liability; ■if you make a fraudulent claim or try to deceive us, we may terminate the policy. Policy length The period of insurance is shown on your policy schedule. Your policy schedule will also show if the policy is ona continuing cover basis. If itis ona continuing cover basis, we will renew your policy each year for another 12 months and continue to take payment (including any premium adjustment shown in your renewal invitation) using your existing arrangement, unless you tell us otherwise or if your risk changes. If your policy schedule does not show that the policy is ona continuing cover basis, cover will cease at the end of the period of insurance, unless you renew your policy with us. We will provide you witha statement of fact each year and provided that the information contained within the statement of fact is true, complete and accurate, you do not need to provide us with any further information. If any of the information in your statement of fact is not true, complete and accurate, you must let us know. If you do not let us know, it may affect the validity of the policy or our ability to pay a claim. Retroactive dates, geographical and jurisdiction limits Where any section of your policy schedule includes a retroactive date, we will not make any payment for any claim or loss under that section which arises from any activity performed or any act, incident or occurrence taking place, before the retroactive date. Where any section of your policy schedule shows the geographical limits which apply to that section of the policy, we will only pay for claims and losses under that section which arise from activities performed or acts, incidents or occurrences taking place within those geographical limits. Where any section provides cover in respect of your liability to third parties, we will only cover claims first made ina country within the applicable courts stated in that section of your policy schedule. Hiscox Business Insurance Policy summary JAC-PSC-UK-DC556(5.4) 17431b 07/20 Cancellation rights You can cancel this policy by giving us 30 days' notice. You will only be charged for the premiums due up to the date of cancellation. If we need to cancel the policy, we’ll give you 30 days’ notice in writing and refund any surplus premiums you might have paid. Please note – we may deduct an administration fee from any refunded payment.There is an exception to our 30-day notice period, which is triggered when we don’t receive your Direct Debit payments within the agreed 14-day period. At this point, we will contact you as soon as possible and stop the policyPage / 2 immediately. Underwritten by:Hiscox Underwriting Ltd on behalf of the insurers named in the schedule. Page / 1 Certificate of professional indemnity insurance Watson, Russell and Dobson Hiscox Underwriting 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-D//2O7 Name of policy holder:Watson, Russell and Dobson Period of insurance: From Monday 27 December, 2021 to 30/10/2021 both days inclusive. This policy isa Continuing cover policy Insurer: Hiscox Insurance Company Limited Retroactive date: 2025-12-09 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 27 December, 2021 Insurance details Policy number: 4-D//2O7 Period of insurance: From Monday 27 December, 2021 to 30/10/2021 both days inclusive. This policy isa Continuing cover policy. Insured: Watson, Russell and Dobson Address: 447 Barbara mission Reeceport FARNHAM LE65 3JW Additional insureds: None Business: Management Consultants Premium details Charged premium – the total amount you’ll pay for this policy. Charged premium: £4,398.48 Insurance Premium Tax (IPT): £6,020.60 Total charged premium: £4,588.95 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: £4,398.48 Insurance Premium Tax (IPT): £6,020.60 Annual total: £4,588.95 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 £9,839.13 Legal protection £100,000 £0 £4,725.06 Crisis containment £25,000 - £0.00 The figures above are in summary only and are not in addition to the amount insured specified against each cover section below. Hiscox Business Insurance Policy Schedule 14502 10/18 SECTION: PROFESSIONAL INDEMNITY – MANAGEMENT CONSULTANTS Cover start date: Monday 27 December, 2021 Limit of indemnity £1,000,000 Limit applies to in the aggregate, including all costs Excess £1,000 Excess applies to each and every claim or loss, including all costs Geographical limits Worldwide Applicable courts Worldwide (excluding United States of America and Canada) Claims brought in USA or Canada Not covered Additional covers (in addition to overall limit of indemnity stated above) Cover Limit of indemnity Limit applies to Court attendance compensation - employees £250 per person, per day Court attendance compensation - directors and partners£500 per person, per day Court attendance compensation: in total £100,000 in the aggregate Special limits (included within not in addition to the overall limit of indemnity stated above) Cover Limit of indemnity Limit applies to Personal data claims £250,000 in the aggregate, including all costs Business activities Business managementPage / 2 consultant Retroactive date 2025-12-09 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-D//2O7
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(?<=Policy number - )[-\w_\/\.]+?(?= Company name)
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Monday 27 December, 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 - 1HDF///NQSFS Company name: Perkins and Sons It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : 1HDF///NQSFS. Company name: Perkins and Sons. Your Hiscox Insurance premium. Last year’s annual premium: This year’s annual premium. £ 3,053.46. £ 3,053.46. The premium includes all applicable insurance premium tax (IPT). Dear Mr Glen Walton. Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on Sun 30 July, 2023 . Good news; if you want cover to continue with us and to make sure you stay protected by our award-winning cover, you do not need to do anything. We will update your policy onto our latest wording and continue to collect payment using the payment details we have for you. You must read the important information contained in this email and the attached documents. Your Hiscox Insurance Premium breakdown. The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). The amount shown as last year’s Annual premium will take into account any changes to the cover which may have been made during the last policy period. Cover. Last year’s annual premium (exc IPT). This year’s annual Premium (exc IPT). Professional indemnity. £1,634.17. £1,634.17. Legal protection. £2,984.00. £2,984.00. Crisis containment. £0.00. Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy . Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government increase in Insurance Premium Tax as shown. Is our information correct? Your premium and cover are based on what you’ve told us about Perkins 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 Sun 30 July, 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 : 1HDF///NQSFS Company name: Perkins and Sons . It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : 1HDF///NQSFS Company name: Perkins and Sons . Your Hiscox Insurance premium Last year’s annual premium: This year’s annual premium The premium includes all applicable insurance premium tax (IPT). £ 3,053.46 £ 3,053.46 . Your Hiscox Insurance premium . Last year’s annual premium: This year’s annual premium £ 3,053.46 £ 3,053.46 . The premium includes all applicable insurance premium tax (IPT). Dear Mr Glen Walton . Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on Sun 30 July, 2023 . Good news; if you want cover to continue with us and to make sure you stay protected by our award-winning cover, you do not need to do anything. We will update your policy onto our latest wording and continue to collect payment using the payment details we have for you. You must read the important information contained in this email and the attached documents Your Hiscox Insurance Premium breakdown The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). The amount shown as last year’s Annual premium will take into account any changes to the cover which may have been made during the last policy period. Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) Professional indemnity £1,634.17 £1,634.17 Legal protection £2,984.00 £2,984.00 Crisis containment £0.00 Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government increase in Insurance Premium Tax as shown. Is our information correct? Your premium and cover are based on what you’ve told us about Perkins 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 Sun 30 July, 2023 . We’re here between 8:30am - 5:30pm Monday to Friday . Please note that we can only discuss policy changes with people named on the policy. Why renew with Hiscox - Reassuring: we offer a range of cover options that can be tailored to your needs - Flexible: we offer full flexibility to change your policy, with no administration fees - Award-winning cover : we’ve been named Best Small Business Insurer 7 years running by Start Your Business Magazine Please click this link for the Hiscox Referral Portal: https://refer.aklamio.com/hiscox/uk?source=postpurchase Thank you again for choosing Hiscox to insure your business. We hope you and your business have a very successful year. Kind regards Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on Sun 30 July, 2023 . Good news; if you want cover to continue with us and to make sure you stay protected by our award-winning cover, you do not need to do anything. We will update your policy onto our latest wording and continue to collect payment using the payment details we have for you. You must read the important information contained in this email and the attached documents Your Hiscox Insurance Premium breakdown The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). The amount shown as last year’s Annual premium will take into account any changes to the cover which may have been made during the last policy period. Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) Professional indemnity £1,634.17 £1,634.17 Legal protection £2,984.00 £2,984.00 Crisis containment £0.00 Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government increase in Insurance Premium Tax as shown. Is our information correct? Your premium and cover are based on what you’ve told us about Perkins 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 Sun 30 July, 2023 . We’re here between 8:30am - 5:30pm Monday to Friday . Please note that we can only discuss policy changes with people named on the policy. Why renew with Hiscox - Reassuring: we offer a range of cover options that can be tailored to your needs - Flexible: we offer full flexibility to change your policy, with no administration fees - Award-winning cover : we’ve been named Best Small Business Insurer 7 years running by Start Your Business Magazine Please click this link for the Hiscox Referral Portal: https://refer.aklamio.com/hiscox/uk?source=postpurchase Thank you again for choosing Hiscox to insure your business. We hope you and your business have a very successful year. Kind regards Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Your Hiscox Insurance Premium breakdown The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). Cover Professional indemnity Legal protection Crisis containment . Last year’s annual premium (exc IPT) £1,634.17 £2,984.00 £0.00 . This year’s annual Premium (exc IPT) £1,634.17 £2,984.00 . Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) . Professional indemnity £1,634.17 £1,634.17 . Legal protection £2,984.00 £2,984.00 . Crisis containment £0.00 . Kind regards Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre . Kind regards . Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave . To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre . Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Page / 1 Hiscox Business Insurance Policy wording 17431a - DC565 WORDING 04/17Guide to sectionsIntroduction Policy wordings General terms and conditions Professional indemnity for business management consultants Legal protection Crisis containment Hiscox Business Insurance Policy wording 17431a - DC565 WORDING 04/17IntroductionThank you for choosing Hiscox to protect your business. We hope that the language and layout of this policy wording are clear because we want you to understand the insurance we provide as well as the responsibilities we have to each other. Please read this document, including the policy schedule, policy summary and statement of fact, and let us know as soon as possible if any of the details are shown incorrectly. We always try to deliver to the highest standards of service. Your views are important to us, so if you feel that our service is below the standard you would expect from Hiscox, please contact us on the phone number shown in your policy schedule. Please note that some of the words we use in this insurance are shown in bold type. These words are defined in each section of the wording. Page / 1 Hiscox Insurance Payment schedule Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Thank you for continuing to pay for your policy by Direct Debit. Please check these details and let us know if anything is incorrect or if the schedule is not suitable. Your reference details Account holder name: Glen Walton 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 17/10/2023 £3,053.46 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: 1HDF///NQSFS 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 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:1HDF///NQSFS Name of policy holder:Perkins and Sons Period of insurance: From Sun 30 July, 2023 to 11/11/25 both days inclusive. This policy isa Continuing cover policy Insurer: Hiscox Insurance Company Limited Retroactive date: 01 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: Sun 30 July, 2023 Insurance details Policy number: 1HDF///NQSFS Period of insurance: From Sun 30 July, 2023 to 11/11/25 both days inclusive. This policy isa Continuing cover policy. Insured: Perkins and Sons Address: 687 Williams landing Rogerberg FARNHAM BA9 5WG Additional insureds: None Business: Management Consultants Premium details Charged premium – the total amount you’ll pay for this policy. Charged premium: £8,645.36 Insurance Premium Tax (IPT): £1,777.53 Total charged premium: £3,053.46 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: £8,645.36 Insurance Premium Tax (IPT): £1,777.53 Annual total: £3,053.46 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 £1,634.17 Legal protection £100,000 £0 £2,984.00 Crisis containment £25,000 - £0.00 The figures above are in summary only and are not in addition to the amount insured specified against each cover section below. Hiscox Business Insurance Policy Schedule 14502 10/18 SECTION: PROFESSIONAL INDEMNITY – MANAGEMENT CONSULTANTS Cover start date: Sun 30 July, 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 01 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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1HDF///NQSFS
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(?<=Policy number - )[-\w_\/\.]+?(?= Company name)
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Sun 30 July, 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 - F-V_WI//XT Company name: Cooper, Douglas and Singh It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : F-V_WI//XT. Company name: Cooper, Douglas and Singh. Your Hiscox Insurance premium. Last year’s annual premium: This year’s annual premium. £ 7,991.67. £ 7,991.67. The premium includes all applicable insurance premium tax (IPT). Dear Mrs Mr Charlie Johnson. Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 16 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. £7,635.06. £7,635.06. Legal protection. £8,570.23. £8,570.23. 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 Cooper, Douglas and Singh , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay. . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover. Policy summary for each cover. ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover . As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, 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 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 : F-V_WI//XT Company name: Cooper, Douglas and Singh . It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : F-V_WI//XT Company name: Cooper, Douglas and Singh . Your Hiscox Insurance premium Last year’s annual premium: This year’s annual premium The premium includes all applicable insurance premium tax (IPT). £ 7,991.67 £ 7,991.67 . Your Hiscox Insurance premium . Last year’s annual premium: This year’s annual premium £ 7,991.67 £ 7,991.67 . The premium includes all applicable insurance premium tax (IPT). Dear Mrs Mr Charlie Johnson . Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 16 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 £7,635.06 £7,635.06 Legal protection £8,570.23 £8,570.23 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 Cooper, Douglas and Singh , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover Policy summary for each cover ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, 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 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 16 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 £7,635.06 £7,635.06 Legal protection £8,570.23 £8,570.23 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 Cooper, Douglas and Singh , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover Policy summary for each cover ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, 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 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) £7,635.06 £8,570.23 £0.00 . This year’s annual Premium (exc IPT) £7,635.06 £8,570.23 . Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) . Professional indemnity £7,635.06 £7,635.06 . Legal protection £8,570.23 £8,570.23 . 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: Mr Charlie 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 23/04/20 £7,991.67 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: F-V_WI//XT 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, Douglas and Singh Hiscox Underwriting Ltd of 1 Great St. Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Certificate of professional indemnity Insurance Policy number:F-V_WI//XT Name of policy holder:Cooper, Douglas and Singh Period of insurance: From 16 November, 2021 to 11/07/2019 both days inclusive. This policy isa Continuing cover policy Insurer: Hiscox Insurance Company Limited Retroactive date: Monday 01 February, 2021 Level of cover:£1,000,000 Signed on behalf of Hiscox Underwriting Limited as agent for the insurers Jon Dye CEO, Hiscox UK Notes: (a) This insurance is subject to policy terms and conditions and any special terms notified to the InsuredPage / 1 Hiscox Business Insurance Policy Schedule 14502 10/18 This schedule tells you what is insured with us. It should be read carefully with your policy wording(s) and statement of fact detailed elsewhere in this document. Schedule effective date: 16 November, 2021 Insurance details Policy number: F-V_WI//XT Period of insurance: From 16 November, 2021 to 11/07/2019 both days inclusive. This policy isa Continuing cover policy. Insured: Cooper, Douglas and Singh Address: Studio 1 Bird rapids Port Carolmouth FARNHAM L9H 2BX Additional insureds: None Business: Management Consultants Premium details Charged premium – the total amount you’ll pay for this policy. Charged premium: £8,464.85 Insurance Premium Tax (IPT): £5,331.59 Total charged premium: £7,991.67 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: £8,464.85 Insurance Premium Tax (IPT): £5,331.59 Annual total: £7,991.67 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 £7,635.06 Legal protection £100,000 £0 £8,570.23 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: 16 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 Monday 01 February, 2021 Insurer Hiscox Insurance Company LimitedPage / 1 Hiscox Insurance Summary of change Introduction This document has been created to help you understand the key changes to your Hiscox Insurance policy and how they may impact you. Your policy continues to offer professional, tailored insurance to protect you and give you peace of mind that if you need us, you will be supported by our award winning claims team. If you have a query not covered by this document, or if you have any questions or concerns about your policy you should contact us. Frequently asked questions What if my circumstances change during the period of insurance? If your circumstances change during the period of insurance, you only need to let us know if the change means that any of the information in the Statement of Fact is no longer true, complete and accurate. If there are no such changes, you do not need to let us know. If any of the information within the Statement of Fact becomes no longer complete, true or accurate at any point during the period of insurance you must tell us as it may affect the validity of the policy or our ability to pay a claim. Additionally, if your contact details change then you should let us know straightaway. Where doI find the limits that apply to my policy? You can find your maximum allowable limits for turnover and wage rollin your Statement of Fact. You must check this information and tell us or your broker if you expect to exceed the maximum amounts shown. Please note these values may have changed. If there are special limits or special excesses applying to particular covers or types of losses these will be shown in the policy schedule. Please check your policy schedule carefully as they may have changed. My new schedule shows a different premium to last year? What has changed? If an underwriter has reviewed your policy then they may have manually adjusted your premium, for example if you’ve had claims in the last 12 months. Where doI find out about any endorsements on my policy? You will be able to see if an endorsement has been applied or removed by reviewing your Policy Schedule. If you have any queries or concerns, please contact us or your broker if you have one. Hiscox Insurance Summary of change Professional indemnity for business management consultants Summary of change Changes to the cover The following table shows the differences between our new policy wordings (5570 WD- PROF-UK-MAN(7), 15579 WD-PROF-UK-MAN-AG(3)) and our previous wordings (5570 WD-PROF-UK-MAN(6), 15579 WD-PROF-UK-MAN-AG(2)). This isa summary of the changes only. You should refer to the schedule and policy wording for the full description of the cover in place. Area of cover Previous policy New policy Improvement in cover Claims against you Advertising claims. We will pay claims arising from your advertising or branding for defamation or infringement of copyright or moral rights. This does not include claims for passing off, unauthorised use of trademarks or false or misleading advertising. Previously cover was not restricted to defamation or the infringement of copyright or moral rights.Covered Amended Your own lossesChanges to ‘what is covered’ Losses from dishonesty. Your losses arising from the dishonesty of your employees, sub-contractors or outsourcers.Covered Not covered Area of cover Previous policy New policy Improvement in cover Cyber incident. We will not pay claims relating to an actual or possible cyber attack, hacker or social engineering communication. Previously we excluded any virus not specifically targeted at your system.Covered Not covered Computer or digital technology error. We will not pay claims arising from any negligent act, error or omission in the operation or maintenance of computer or digital technology such as development, installation, patching or upgrading.Covered Not coveredChanges to ‘what is not covered’ Infrastructure. We will not pay claims arising from the failure of the service provided by internet, telecommunications, utilities or other infrastructure providers.Covered Not covered Hiscox Insurance Summary of change Personal data. We will not pay claims relating to personal data. We will pay such claims where they arise from your performance ofa business activity and which is not otherwise excluded. Subject to the limit shown in the schedule.Covered Not covered Other important changes Control of defence. Under the previous wording we had a duty to defend you against any covered claim brought against you. We now have the right but not the obligation to take control of the conduct of the claim including the appointment of legal representation. Please refer to the policy wording for full details. SOC-PROF-UK-MAN(1) 21367 01/21
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F-V_WI//XT
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(?<=Policy number - )[-\w_\/\.]+?(?= Company name)
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16 November, 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 - CLQ-NQ74C//PV5/FN80XG Company name: O'Neill-Hartley It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : CLQ-NQ74C//PV5/FN80XG. Company name: O'Neill-Hartley. Your Hiscox Insurance premium. Last year’s annual premium: This year’s annual premium. £ 5,969.14. £ 5,969.14. The premium includes all applicable insurance premium tax (IPT). Dear Dr Leanne Wood. Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 25/04/2021 . 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. £7,586.60. £7,586.60. Legal protection. £4,682.21. £4,682.21. 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 O'Neill-Hartley , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay. . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover. Policy summary for each cover. ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover . As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before 25/04/2021 . 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 : CLQ-NQ74C//PV5/FN80XG Company name: O'Neill-Hartley . It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : CLQ-NQ74C//PV5/FN80XG Company name: O'Neill-Hartley . Your Hiscox Insurance premium Last year’s annual premium: This year’s annual premium The premium includes all applicable insurance premium tax (IPT). £ 5,969.14 £ 5,969.14 . Your Hiscox Insurance premium . Last year’s annual premium: This year’s annual premium £ 5,969.14 £ 5,969.14 . The premium includes all applicable insurance premium tax (IPT). Dear Dr Leanne Wood . Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 25/04/2021 . 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 £7,586.60 £7,586.60 Legal protection £4,682.21 £4,682.21 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 O'Neill-Hartley , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover Policy summary for each cover ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before 25/04/2021 . 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 25/04/2021 . 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 £7,586.60 £7,586.60 Legal protection £4,682.21 £4,682.21 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 O'Neill-Hartley , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover Policy summary for each cover ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before 25/04/2021 . 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) £7,586.60 £4,682.21 £0.00 . This year’s annual Premium (exc IPT) £7,586.60 £4,682.21 . Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) . Professional indemnity £7,586.60 £7,586.60 . Legal protection £4,682.21 £4,682.21 . 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: Leanne Wood Frequency of collection: Annual Sort code: %BANK_SORT_CODE_1% Account number: %BANK_ACCOUNT_NUMBER_1% Your Direct Debit schedule We will take payments on the dates outlined below: Date Amount Sun 28 July, 2019 £5,969.14 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: CLQ-NQ74C//PV5/FN80XG 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'Neill-Hartley Hiscox Underwriting 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:CLQ-NQ74C//PV5/FN80XG Name of policy holder:O'Neill-Hartley Period of insurance: From 25/04/2021 to 25/02/2021 both days inclusive. This policy isa Continuing cover policy Insurer: Hiscox Insurance Company Limited Retroactive date: 2019-05-10 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: 25/04/2021 Insurance details Policy number: CLQ-NQ74C//PV5/FN80XG Period of insurance: From 25/04/2021 to 25/02/2021 both days inclusive. This policy isa Continuing cover policy. Insured: O'Neill-Hartley Address: 750 Rachel turnpike Leehaven FARNHAM SO96 4PH Additional insureds: None Business: Management Consultants Premium details Charged premium – the total amount you’ll pay for this policy. Charged premium: £8,069.25 Insurance Premium Tax (IPT): £5,977.76 Total charged premium: £5,969.14 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: £8,069.25 Insurance Premium Tax (IPT): £5,977.76 Annual total: £5,969.14 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 £7,586.60 Legal protection £100,000 £0 £4,682.21 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: 25/04/2021 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 2019-05-10 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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CLQ-NQ74C//PV5/FN80XG
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(?<=Policy number - )[-\w_\/\.]+?(?= Company name)
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25/04/2021
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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 - 5SHPJI1JQFBRCF/2GKC Company name: Williams PLC It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : 5SHPJI1JQFBRCF/2GKC. Company name: Williams PLC. Your Hiscox Insurance premium. Last year’s annual premium: This year’s annual premium. £ 8,324.65. £ 8,324.65. The premium includes all applicable insurance premium tax (IPT). Dear Dr Joel Hodgson-Morgan. Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on Tuesday 13 July, 2021 . Good news; if you want cover to continue with us and to make sure you stay protected by our award-winning cover, you do not need to do anything. We will update your policy onto our latest wording and continue to collect payment using the payment details we have for you. You must read the important information contained in this email and the attached documents. Your Hiscox Insurance Premium breakdown. The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). The amount shown as last year’s Annual premium will take into account any changes to the cover which may have been made during the last policy period. Cover. Last year’s annual premium (exc IPT). This year’s annual Premium (exc IPT). Professional indemnity. £2,927.00. £2,927.00. Legal protection. £566.09. £566.09. 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 Williams 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 Tuesday 13 July, 2021 . We’re here between 8:30am - 5:30pm Monday to Friday . Please note that we can only discuss policy changes with people named on the policy. Why renew with Hiscox. - Reassuring: we offer a range of cover options that can be tailored to your needs. - Flexible: we offer full flexibility to change your policy, with no administration fees . - Award-winning cover : we’ve been named Best Small Business Insurer 7 years running by Start Your Business Magazine . Please click this link for the Hiscox Referral Portal: https://refer.aklamio.com/hiscox/uk?source=postpurchase. Thank you again for choosing Hiscox to insure your business. We hope you and your business have a very successful year. Kind regards. Jon Dye. CEO, Hiscox UK. Business Insurance for the small and the brave. To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre. Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. This email and any files transmitted with it are confidential and intended solely for the use of the individual or entity to whom they are addressed. No one else is authorised to distribute, forward, print, copy or act upon any information contained in this email. If you have received this email in error, please notify the sender. Hiscox Syndicates Limited and Hiscox Insurance Company Limited are authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Hiscox Underwriting Limited, Hiscox Underwriting Services Ltd, Hiscox MGA Ltd and Hiscox ASM Ltd are authorised and regulated by the Financial Conduct Authority. Hiscox Assure SAS is duly registered as an insurance broker with the ORIAS, which is the French Official Registry of Insurance Intermediaries. Hiscox plc is a company registered in England and Wales under company registration number 2837811 and registered office at 1 Great St Helen's, London EC3A 6HX. Hiscox SA is a company registered in Luxembourg at 35 Avenue John F. Kennedy 35F, Luxembourg L-1855, and is authorised by the Commissariat aux Assurances de Luxembourg. It’s time to renew your Hiscox Business Insurance Hiscox Insurance policy number : 5SHPJI1JQFBRCF/2GKC Company name: Williams PLC . It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : 5SHPJI1JQFBRCF/2GKC Company name: Williams PLC . Your Hiscox Insurance premium Last year’s annual premium: This year’s annual premium The premium includes all applicable insurance premium tax (IPT). £ 8,324.65 £ 8,324.65 . Your Hiscox Insurance premium . Last year’s annual premium: This year’s annual premium £ 8,324.65 £ 8,324.65 . The premium includes all applicable insurance premium tax (IPT). Dear Dr Joel Hodgson-Morgan . Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on Tuesday 13 July, 2021 . Good news; if you want cover to continue with us and to make sure you stay protected by our award-winning cover, you do not need to do anything. We will update your policy onto our latest wording and continue to collect payment using the payment details we have for you. You must read the important information contained in this email and the attached documents Your Hiscox Insurance Premium breakdown The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). The amount shown as last year’s Annual premium will take into account any changes to the cover which may have been made during the last policy period. Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) Professional indemnity £2,927.00 £2,927.00 Legal protection £566.09 £566.09 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 Williams 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 Tuesday 13 July, 2021 . We’re here between 8:30am - 5:30pm Monday to Friday . Please note that we can only discuss policy changes with people named on the policy. Why renew with Hiscox - Reassuring: we offer a range of cover options that can be tailored to your needs - Flexible: we offer full flexibility to change your policy, with no administration fees - Award-winning cover : we’ve been named Best Small Business Insurer 7 years running by Start Your Business Magazine Please click this link for the Hiscox Referral Portal: https://refer.aklamio.com/hiscox/uk?source=postpurchase Thank you again for choosing Hiscox to insure your business. We hope you and your business have a very successful year. Kind regards Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on Tuesday 13 July, 2021 . Good news; if you want cover to continue with us and to make sure you stay protected by our award-winning cover, you do not need to do anything. We will update your policy onto our latest wording and continue to collect payment using the payment details we have for you. You must read the important information contained in this email and the attached documents Your Hiscox Insurance Premium breakdown The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). The amount shown as last year’s Annual premium will take into account any changes to the cover which may have been made during the last policy period. Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) Professional indemnity £2,927.00 £2,927.00 Legal protection £566.09 £566.09 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 Williams 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 Tuesday 13 July, 2021 . We’re here between 8:30am - 5:30pm Monday to Friday . Please note that we can only discuss policy changes with people named on the policy. Why renew with Hiscox - Reassuring: we offer a range of cover options that can be tailored to your needs - Flexible: we offer full flexibility to change your policy, with no administration fees - Award-winning cover : we’ve been named Best Small Business Insurer 7 years running by Start Your Business Magazine Please click this link for the Hiscox Referral Portal: https://refer.aklamio.com/hiscox/uk?source=postpurchase Thank you again for choosing Hiscox to insure your business. We hope you and your business have a very successful year. Kind regards Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Your Hiscox Insurance Premium breakdown The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). Cover Professional indemnity Legal protection Crisis containment . Last year’s annual premium (exc IPT) £2,927.00 £566.09 £0.00 . This year’s annual Premium (exc IPT) £2,927.00 £566.09 . Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) . Professional indemnity £2,927.00 £2,927.00 . Legal protection £566.09 £566.09 . 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: Joel Hodgson-Morgan Frequency of collection: Annual Sort code: %BANK_SORT_CODE_1% Account number: %BANK_ACCOUNT_NUMBER_1% Your Direct Debit schedule We will take payments on the dates outlined below: Date Amount 2021-01-06 £8,324.65 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: 5SHPJI1JQFBRCF/2GKC 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 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:5SHPJI1JQFBRCF/2GKC Name of policy holder:Williams PLC Period of insurance: From Tuesday 13 July, 2021 to 29/01/2025 both days inclusive. This policy isa Continuing cover policy Insurer: Hiscox Insurance Company Limited Retroactive date: 12/06/24 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: Tuesday 13 July, 2021 Insurance details Policy number: 5SHPJI1JQFBRCF/2GKC Period of insurance: From Tuesday 13 July, 2021 to 29/01/2025 both days inclusive. This policy isa Continuing cover policy. Insured: Williams PLC Address: Studio 15s Khan fork North Thomasbury FARNHAM SY3Y 4WL Additional insureds: None Business: Management Consultants Premium details Charged premium – the total amount you’ll pay for this policy. Charged premium: £2,582.84 Insurance Premium Tax (IPT): £516.32 Total charged premium: £8,324.65 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: £2,582.84 Insurance Premium Tax (IPT): £516.32 Annual total: £8,324.65 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 £2,927.00 Legal protection £100,000 £0 £566.09 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: Tuesday 13 July, 2021 Limit of indemnity £1,000,000 Limit applies to in the aggregate, including all costs Excess £1,000 Excess applies to each and every claim or loss, including all costs Geographical limits Worldwide Applicable courts Worldwide (excluding United States of America and Canada) Claims brought in USA or Canada Not covered Additional covers (in addition to overall limit of indemnity stated above) Cover Limit of indemnity Limit applies to Court attendance compensation - employees £250 per person, per day Court attendance compensation - directors and partners£500 per person, per day Court attendance compensation: in total £100,000 in the aggregate Special limits (included within not in addition to the overall limit of indemnity stated above) Cover Limit of indemnity Limit applies to Personal data claims £250,000 in the aggregate, including all costs Business activities Business managementPage / 2 consultant Retroactive date 12/06/24 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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5SHPJI1JQFBRCF/2GKC
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(?<=Policy number - )[-\w_\/\.]+?(?= Company name)
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Tuesday 13 July, 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 - 00PFXEV.YA/DDDK89RBU Company name: Daniels, Hayward and Davis It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : 00PFXEV.YA/DDDK89RBU. Company name: Daniels, Hayward and Davis. Your Hiscox Insurance premium. Last year’s annual premium: This year’s annual premium. £ 3,875.14. £ 3,875.14. The premium includes all applicable insurance premium tax (IPT). Dear Dr Diane Gibson. Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 22/10/25 . 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. £8,892.87. £8,892.87. Legal protection. £9,593.91. £9,593.91. Crisis containment. £0.00. Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy . Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government increase in Insurance Premium Tax as shown. Is our information correct? Your premium and cover are based on what you’ve told us about Daniels, Hayward 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 22/10/25 . 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 : 00PFXEV.YA/DDDK89RBU Company name: Daniels, Hayward and Davis . It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : 00PFXEV.YA/DDDK89RBU Company name: Daniels, Hayward 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). £ 3,875.14 £ 3,875.14 . Your Hiscox Insurance premium . Last year’s annual premium: This year’s annual premium £ 3,875.14 £ 3,875.14 . The premium includes all applicable insurance premium tax (IPT). Dear Dr Diane Gibson . Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 22/10/25 . 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 £8,892.87 £8,892.87 Legal protection £9,593.91 £9,593.91 Crisis containment £0.00 Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government increase in Insurance Premium Tax as shown. Is our information correct? Your premium and cover are based on what you’ve told us about Daniels, Hayward 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 22/10/25 . 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 22/10/25 . 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 £8,892.87 £8,892.87 Legal protection £9,593.91 £9,593.91 Crisis containment £0.00 Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government increase in Insurance Premium Tax as shown. Is our information correct? Your premium and cover are based on what you’ve told us about Daniels, Hayward 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 22/10/25 . 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) £8,892.87 £9,593.91 £0.00 . This year’s annual Premium (exc IPT) £8,892.87 £9,593.91 . Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) . Professional indemnity £8,892.87 £8,892.87 . Legal protection £9,593.91 £9,593.91 . Crisis containment £0.00 . Kind regards Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre . Kind regards . Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave . To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre . Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Page / 1 Hiscox Business Insurance Policy wording 17431a - DC565 WORDING 04/17Guide to sectionsIntroduction Policy wordings General terms and conditions Professional indemnity for business management consultants Legal protection Crisis containment Hiscox Business Insurance Policy wording 17431a - DC565 WORDING 04/17IntroductionThank you for choosing Hiscox to protect your business. We hope that the language and layout of this policy wording are clear because we want you to understand the insurance we provide as well as the responsibilities we have to each other. Please read this document, including the policy schedule, policy summary and statement of fact, and let us know as soon as possible if any of the details are shown incorrectly. We always try to deliver to the highest standards of service. Your views are important to us, so if you feel that our service is below the standard you would expect from Hiscox, please contact us on the phone number shown in your policy schedule. Please note that some of the words we use in this insurance are shown in bold type. These words are defined in each section of the wording. Page / 1 Hiscox Insurance Payment schedule Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Thank you for continuing to pay for your policy by Direct Debit. Please check these details and let us know if anything is incorrect or if the schedule is not suitable. Your reference details Account holder name: Diane Gibson 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 16/01/2026 £3,875.14 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: 00PFXEV.YA/DDDK89RBU 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, Hayward 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:00PFXEV.YA/DDDK89RBU Name of policy holder:Daniels, Hayward and Davis Period of insurance: From 22/10/25 to 03/09/2023 both days inclusive. This policy isa Continuing cover policy Insurer: Hiscox Insurance Company Limited Retroactive date: Sunday 12 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: 22/10/25 Insurance details Policy number: 00PFXEV.YA/DDDK89RBU Period of insurance: From 22/10/25 to 03/09/2023 both days inclusive. This policy isa Continuing cover policy. Insured: Daniels, Hayward and Davis Address: Studio 21 Victoria greens West Steven FARNHAM NR58 2QX Additional insureds: None Business: Management Consultants Premium details Charged premium – the total amount you’ll pay for this policy. Charged premium: £5,303.38 Insurance Premium Tax (IPT): £7,998.72 Total charged premium: £3,875.14 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: £5,303.38 Insurance Premium Tax (IPT): £7,998.72 Annual total: £3,875.14 Please note that there will be no refund or additional premium for any transaction which is less than £20 (excluding IPT). Hiscox Business Insurance Policy Schedule 14502 10/18 Summary Claims information If you need to make a claim: - For claims relating to your building or contents please contact our claims team on 0800 247 1902, 9.00am – 5:30pm Monday to Friday. If you wish to make a claim online, you can log most claims quickly and easily through our claims notification portal at https://claims.hiscox.co.uk/. Outside of normal business hours, if you require emergency assistance in relation to substantial damage to your property, you can speak to our 24-hour emergency assistance team using the telephone number above. Your policy schedule will state if property cover is included in your policy. Our out-of-hours emergency assistance team operate ona pay-and-claim basis and you will need to have credit card details available as appropriate. The team will then be able to direct you to essential tradesmen, emergency loss adjusters or disaster management companies in the event of substantial damage. - If there isa claim (or potential claim) against you bya third party, please email us at liability.claims@hiscox.com. If you need to speak to a member of the claims team urgently, please call our team on 0800 711 7156, 9.00am – 5:30pm Monday to Friday. If you wish to make a claim online, you can log most claims quickly and easily through our claims notification portal at https://claims.hiscox.co.uk/. You will need to provide your full name and contact details, the name of your business or organisation, your address and postcode, the policy reference and circumstances of the claim. The Important information and contact details section below contains additional information specific to the covers applicable to your policy. If you are unsure of who to contact please call our team on 0800 711 7156, 9.00am – 5:30pm Monday to Friday. They will ensure you get through to the correct claims team and let you know what actions you need to take. If anything happens that might be covered under the policy, you must comply with the obligations set out in General claims conditions, together with the obligations set out under Your obligations in the section or sections under which you are making the claim. Itis important that you read the policy for details of its terms in full. Your covers This isa summary of each section of your policy. See each section for cover details. Cover Insurance amount Excess Annual Premium (exc IPT) Professional indemnity £1,000,000 £1,000 £8,892.87 Legal protection £100,000 £0 £9,593.91 Crisis containment £25,000 - £0.00 The figures above are in summary only and are not in addition to the amount insured specified against each cover section below. Hiscox Business Insurance Policy Schedule 14502 10/18 SECTION: PROFESSIONAL INDEMNITY – MANAGEMENT CONSULTANTS Cover start date: 22/10/25 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 12 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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(?<=Policy number - )[-\w_\/\.]+?(?= Company name)
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22/10/25
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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 - SAIENLW5QA5D6 Company name: Ellis PLC It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : SAIENLW5QA5D6. Company name: Ellis PLC. Your Hiscox Insurance premium. Last year’s annual premium: This year’s annual premium. £ 1,414.34. £ 1,414.34. The premium includes all applicable insurance premium tax (IPT). Dear Dr Brett Lloyd. Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on Wednesday 07 October, 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. £5,358.12. £5,358.12. Legal protection. £9,101.05. £9,101.05. 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 Ellis PLC , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay. . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover. Policy summary for each cover. ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover . As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before Wednesday 07 October, 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 : SAIENLW5QA5D6 Company name: Ellis PLC . It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : SAIENLW5QA5D6 Company name: Ellis PLC . Your Hiscox Insurance premium Last year’s annual premium: This year’s annual premium The premium includes all applicable insurance premium tax (IPT). £ 1,414.34 £ 1,414.34 . Your Hiscox Insurance premium . Last year’s annual premium: This year’s annual premium £ 1,414.34 £ 1,414.34 . The premium includes all applicable insurance premium tax (IPT). Dear Dr Brett Lloyd . Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on Wednesday 07 October, 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 £5,358.12 £5,358.12 Legal protection £9,101.05 £9,101.05 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 Ellis PLC , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover Policy summary for each cover ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before Wednesday 07 October, 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 Wednesday 07 October, 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 £5,358.12 £5,358.12 Legal protection £9,101.05 £9,101.05 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 Ellis PLC , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover Policy summary for each cover ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before Wednesday 07 October, 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) £5,358.12 £9,101.05 £0.00 . This year’s annual Premium (exc IPT) £5,358.12 £9,101.05 . Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) . Professional indemnity £5,358.12 £5,358.12 . Legal protection £9,101.05 £9,101.05 . 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: Brett Lloyd 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 04/12/2023 £1,414.34 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: SAIENLW5QA5D6 If you have any questions about your policy or payments, please call us on 0800 280 0351. We’re here between 8:30am - 5:30pm Monday to Friday or you can email us at service@hiscox.co.uk. Using your personal information Hiscox isa trading name ofa number of Hiscox companies. The specific company acting asa data controller of your personal information will be listed in the documentation we provide to you. If you are unsure you can also contact us at anytime by telephoning 01904 681198 or by emailing us at dataprotectionofficer@hiscox.com. We collect and process information about you in order to provide insurance policies and to process claims. Your information is also used for business purposes such as fraud prevention and detection and financial management. This may involve sharing your information with, and obtaining information about you from, our group companies and third parties such as brokers, loss adjusters, credit reference agencies, service providers, professional advisors, our regulators or fraud prevention agencies. We may record telephone calls to help us monitor and improve the service we provide. For further information on how your information is used and your rights in relation to your information please see our privacy policy at www.hiscox.co.uk/cookies-privacy. The Direct Debit Guarantee This Guarantee is offered by all banks and building societies that accept instructions to pay Direct Debits. If there are any changes to the amount, date or frequency of your Direct Debit Hiscox Underwriting Ltd will notify you ten working days in advance of your account being debited or as otherwise agreed. If you request Hiscox Underwriting Ltd to collect a payment, confirmation of the amount and date will be given to you at the time of the request. If an error is made in the payment of your Direct Debit by Hiscox Underwriting Ltd or your bank or building society you are entitled to a full and immediate refund of the amount paid from your bank or building society. – If you receive a refund you are not entitled to, you must pay it back when Hiscox Underwriting Ltd asks you to. You can cancel a Direct Debit at anytime by simply contacting your bank or building society. Written confirmation maybe required. Please also notify us. Page / 1 Hiscox Business Insurance Policy summary JAC-PSC-UK-DC556(5.4) 17431b 07/20 Your Hiscox Business Insurance policy summaries This document contains the summaries for any policy covers you have selected to protect your business. These summaries outline the key information about your policies so you can be confident that you have understood what you have bought and what you are covered for. However, you should carefully read your policy in full and ensure that you understand its terms and conditions in full. If you have any queries, you should contact Hiscox or your insurance advisor. Your side of the bargain Remember, your premium and insurance are based on the details you have provided to us. Please make sure this information accurately reflects your business and that you inform us immediately if anything needs to change. Please also tell us of any changes in circumstances that may affect the services provided by us or the cover provided by your policy. This is particularly important before taking out a policy, but it also applies throughout the life of the policy too. You need to consider: ■if you fail to fairly present the risk to us, including by failing to disclose any information material to the insurance, you could invalidate the policy, claims may not be paid or the amount we pay maybe reduced; ■you should read and check all insurance documents to ensure that you are aware of the cover, limits and other terms that apply; ■if you fail to let us know of any changes to your circumstances during the period of insurance or, if when telling us about such changes you fail to present the risk to us fairly, you could invalidate the policy, claims may not be paid or the amount we pay maybe reduced; ■please be aware of all terms and conditions of your policy because failure to comply with them could invalidate it or result in us not paying a claim or reducing the amount we pay; ■in the event ofa claim, you should take note of the required procedures, such as giving Hiscox prompt notice of the claims, as stated in the policy documentation. In particular, if you fail to notify us when you first become aware ofa shortcoming, fact, or problem, admit you are liable for what has happened or appoint solicitors or other legal representation without our prior written approval, claims or defence costs may not be paid or the amount we pay maybe reduced; ■as with any insurance, you have an obligation to take reasonable steps to mitigate any loss or liability; ■if you make a fraudulent claim or try to deceive us, we may terminate the policy. Policy length The period of insurance is shown on your policy schedule. Your policy schedule will also show if the policy is ona continuing cover basis. If itis ona continuing cover basis, we will renew your policy each year for another 12 months and continue to take payment (including any premium adjustment shown in your renewal invitation) using your existing arrangement, unless you tell us otherwise or if your risk changes. If your policy schedule does not show that the policy is ona continuing cover basis, cover will cease at the end of the period of insurance, unless you renew your policy with us. We will provide you witha statement of fact each year and provided that the information contained within the statement of fact is true, complete and accurate, you do not need to provide us with any further information. If any of the information in your statement of fact is not true, complete and accurate, you must let us know. If you do not let us know, it may affect the validity of the policy or our ability to pay a claim. Retroactive dates, geographical and jurisdiction limits Where any section of your policy schedule includes a retroactive date, we will not make any payment for any claim or loss under that section which arises from any activity performed or any act, incident or occurrence taking place, before the retroactive date. Where any section of your policy schedule shows the geographical limits which apply to that section of the policy, we will only pay for claims and losses under that section which arise from activities performed or acts, incidents or occurrences taking place within those geographical limits. Where any section provides cover in respect of your liability to third parties, we will only cover claims first made ina country within the applicable courts stated in that section of your policy schedule. Hiscox Business Insurance Policy summary JAC-PSC-UK-DC556(5.4) 17431b 07/20 Cancellation rights You can cancel this policy by giving us 30 days' notice. You will only be charged for the premiums due up to the date of cancellation. If we need to cancel the policy, we’ll give you 30 days’ notice in writing and refund any surplus premiums you might have paid. Please note – we may deduct an administration fee from any refunded payment.There is an exception to our 30-day notice period, which is triggered when we don’t receive your Direct Debit payments within the agreed 14-day period. At this point, we will contact you as soon as possible and stop the policyPage / 2 immediately. Underwritten by:Hiscox Underwriting Ltd on behalf of the insurers named in the schedule. Page / 1 Certificate of professional indemnity insurance Ellis PLC Hiscox Underwriting Ltd of 1 Great St. Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Certificate of professional indemnity Insurance Policy number:SAIENLW5QA5D6 Name of policy holder:Ellis PLC Period of insurance: From Wednesday 07 October, 2020 to 2025-05-31 both days inclusive. This policy isa Continuing cover policy Insurer: Hiscox Insurance Company Limited Retroactive date: 24/11/2020 Level of cover:£1,000,000 Signed on behalf of Hiscox Underwriting Limited as agent for the insurers Jon Dye CEO, Hiscox UK Notes: (a) This insurance is subject to policy terms and conditions and any special terms notified to the InsuredPage / 1 Hiscox Business Insurance Policy Schedule 14502 10/18 This schedule tells you what is insured with us. It should be read carefully with your policy wording(s) and statement of fact detailed elsewhere in this document. Schedule effective date: Wednesday 07 October, 2020 Insurance details Policy number: SAIENLW5QA5D6 Period of insurance: From Wednesday 07 October, 2020 to 2025-05-31 both days inclusive. This policy isa Continuing cover policy. Insured: Ellis PLC Address: 0 Lee key New Jeremyshire FARNHAM HP28 6NB Additional insureds: None Business: Management Consultants Premium details Charged premium – the total amount you’ll pay for this policy. Charged premium: £3,232.87 Insurance Premium Tax (IPT): £1,764.38 Total charged premium: £1,414.34 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: £3,232.87 Insurance Premium Tax (IPT): £1,764.38 Annual total: £1,414.34 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 £5,358.12 Legal protection £100,000 £0 £9,101.05 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: Wednesday 07 October, 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 24/11/2020 Insurer Hiscox Insurance Company LimitedPage / 1 Hiscox Insurance Summary of change Introduction This document has been created to help you understand the key changes to your Hiscox Insurance policy and how they may impact you. Your policy continues to offer professional, tailored insurance to protect you and give you peace of mind that if you need us, you will be supported by our award winning claims team. If you have a query not covered by this document, or if you have any questions or concerns about your policy you should contact us. Frequently asked questions What if my circumstances change during the period of insurance? If your circumstances change during the period of insurance, you only need to let us know if the change means that any of the information in the Statement of Fact is no longer true, complete and accurate. If there are no such changes, you do not need to let us know. If any of the information within the Statement of Fact becomes no longer complete, true or accurate at any point during the period of insurance you must tell us as it may affect the validity of the policy or our ability to pay a claim. Additionally, if your contact details change then you should let us know straightaway. Where doI find the limits that apply to my policy? You can find your maximum allowable limits for turnover and wage rollin your Statement of Fact. You must check this information and tell us or your broker if you expect to exceed the maximum amounts shown. Please note these values may have changed. If there are special limits or special excesses applying to particular covers or types of losses these will be shown in the policy schedule. Please check your policy schedule carefully as they may have changed. My new schedule shows a different premium to last year? What has changed? If an underwriter has reviewed your policy then they may have manually adjusted your premium, for example if you’ve had claims in the last 12 months. Where doI find out about any endorsements on my policy? You will be able to see if an endorsement has been applied or removed by reviewing your Policy Schedule. If you have any queries or concerns, please contact us or your broker if you have one. Hiscox Insurance Summary of change Professional indemnity for business management consultants Summary of change Changes to the cover The following table shows the differences between our new policy wordings (5570 WD- PROF-UK-MAN(7), 15579 WD-PROF-UK-MAN-AG(3)) and our previous wordings (5570 WD-PROF-UK-MAN(6), 15579 WD-PROF-UK-MAN-AG(2)). This isa summary of the changes only. You should refer to the schedule and policy wording for the full description of the cover in place. Area of cover Previous policy New policy Improvement in cover Claims against you Advertising claims. We will pay claims arising from your advertising or branding for defamation or infringement of copyright or moral rights. This does not include claims for passing off, unauthorised use of trademarks or false or misleading advertising. Previously cover was not restricted to defamation or the infringement of copyright or moral rights.Covered Amended Your own lossesChanges to ‘what is covered’ Losses from dishonesty. Your losses arising from the dishonesty of your employees, sub-contractors or outsourcers.Covered Not covered Area of cover Previous policy New policy Improvement in cover Cyber incident. We will not pay claims relating to an actual or possible cyber attack, hacker or social engineering communication. Previously we excluded any virus not specifically targeted at your system.Covered Not covered Computer or digital technology error. We will not pay claims arising from any negligent act, error or omission in the operation or maintenance of computer or digital technology such as development, installation, patching or upgrading.Covered Not coveredChanges to ‘what is not covered’ Infrastructure. We will not pay claims arising from the failure of the service provided by internet, telecommunications, utilities or other infrastructure providers.Covered Not covered Hiscox Insurance Summary of change Personal data. We will not pay claims relating to personal data. We will pay such claims where they arise from your performance ofa business activity and which is not otherwise excluded. Subject to the limit shown in the schedule.Covered Not covered Other important changes Control of defence. Under the previous wording we had a duty to defend you against any covered claim brought against you. We now have the right but not the obligation to take control of the conduct of the claim including the appointment of legal representation. Please refer to the policy wording for full details. SOC-PROF-UK-MAN(1) 21367 01/21
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SAIENLW5QA5D6
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(?<=Policy number - )[-\w_\/\.]+?(?= Company name)
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Wednesday 07 October, 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 - f-qly-cqmev/ Company name: Hussain Group It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : f-qly-cqmev/. Company name: Hussain Group. Your Hiscox Insurance premium. Last year’s annual premium: This year’s annual premium. £ 2,014.73. £ 2,014.73. The premium includes all applicable insurance premium tax (IPT). Dear Mr Adrian Francis. Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 05/11/23 . 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. £1,559.19. £1,559.19. Legal protection. £9,390.35. £9,390.35. 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 Hussain Group , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay. . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover. Policy summary for each cover. ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover . As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before 05/11/23 . 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 : f-qly-cqmev/ Company name: Hussain Group . It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : f-qly-cqmev/ Company name: Hussain Group . Your Hiscox Insurance premium Last year’s annual premium: This year’s annual premium The premium includes all applicable insurance premium tax (IPT). £ 2,014.73 £ 2,014.73 . Your Hiscox Insurance premium . Last year’s annual premium: This year’s annual premium £ 2,014.73 £ 2,014.73 . The premium includes all applicable insurance premium tax (IPT). Dear Mr Adrian Francis . Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 05/11/23 . 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 £1,559.19 £1,559.19 Legal protection £9,390.35 £9,390.35 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 Hussain Group , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover Policy summary for each cover ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before 05/11/23 . 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 05/11/23 . 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 £1,559.19 £1,559.19 Legal protection £9,390.35 £9,390.35 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 Hussain Group , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover Policy summary for each cover ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before 05/11/23 . 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) £1,559.19 £9,390.35 £0.00 . This year’s annual Premium (exc IPT) £1,559.19 £9,390.35 . Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) . Professional indemnity £1,559.19 £1,559.19 . Legal protection £9,390.35 £9,390.35 . 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: Adrian Francis 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 2019-05-08 £2,014.73 Where your chosen collection date falls ona non-working day then we will endeavour to collect the next working day. For your information, the collections will be made using the following reference number: Originator Identification Number: 293461 Reference Number: f-qly-cqmev/ 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 Hussain 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:f-qly-cqmev/ Name of policy holder:Hussain Group Period of insurance: From 05/11/23 to 26/06/20 both days inclusive. This policy isa Continuing cover policy Insurer: Hiscox Insurance Company Limited Retroactive date: 16 April, 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: 05/11/23 Insurance details Policy number: f-qly-cqmev/ Period of insurance: From 05/11/23 to 26/06/20 both days inclusive. This policy isa Continuing cover policy. Insured: Hussain Group Address: Flat 83d Alice spring Bernardhaven FARNHAM TQ4 1PS Additional insureds: None Business: Management Consultants Premium details Charged premium – the total amount you’ll pay for this policy. Charged premium: £6,249.45 Insurance Premium Tax (IPT): £2,847.40 Total charged premium: £2,014.73 Annualised premium – the annual premium for this policy. This is given for comparison purposes. Please refer to the charged premium section for the amount you’ll pay for the policy. Annual premium: £6,249.45 Insurance Premium Tax (IPT): £2,847.40 Annual total: £2,014.73 Please note that there will be no refund or additional premium for any transaction which is less than £20 (excluding IPT). Hiscox Business Insurance Policy Schedule 14502 10/18 Summary Claims information If you need to make a claim: - For claims relating to your building or contents please contact our claims team on 0800 247 1902, 9.00am – 5:30pm Monday to Friday. If you wish to make a claim online, you can log most claims quickly and easily through our claims notification portal at https://claims.hiscox.co.uk/. Outside of normal business hours, if you require emergency assistance in relation to substantial damage to your property, you can speak to our 24-hour emergency assistance team using the telephone number above. Your policy schedule will state if property cover is included in your policy. Our out-of-hours emergency assistance team operate ona pay-and-claim basis and you will need to have credit card details available as appropriate. The team will then be able to direct you to essential tradesmen, emergency loss adjusters or disaster management companies in the event of substantial damage. - If there isa claim (or potential claim) against you bya third party, please email us at liability.claims@hiscox.com. If you need to speak to a member of the claims team urgently, please call our team on 0800 711 7156, 9.00am – 5:30pm Monday to Friday. If you wish to make a claim online, you can log most claims quickly and easily through our claims notification portal at https://claims.hiscox.co.uk/. You will need to provide your full name and contact details, the name of your business or organisation, your address and postcode, the policy reference and circumstances of the claim. The Important information and contact details section below contains additional information specific to the covers applicable to your policy. If you are unsure of who to contact please call our team on 0800 711 7156, 9.00am – 5:30pm Monday to Friday. They will ensure you get through to the correct claims team and let you know what actions you need to take. If anything happens that might be covered under the policy, you must comply with the obligations set out in General claims conditions, together with the obligations set out under Your obligations in the section or sections under which you are making the claim. Itis important that you read the policy for details of its terms in full. Your covers This isa summary of each section of your policy. See each section for cover details. Cover Insurance amount Excess Annual Premium (exc IPT) Professional indemnity £1,000,000 £1,000 £1,559.19 Legal protection £100,000 £0 £9,390.35 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: 05/11/23 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 16 April, 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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f-qly-cqmev/
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(?<=Policy number - )[-\w_\/\.]+?(?= Company name)
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05/11/23
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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 - kz_wcusjqokmqiglcwe-mco Company name: Brown, Barnes and Rees It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : kz_wcusjqokmqiglcwe-mco. Company name: Brown, Barnes and Rees. Your Hiscox Insurance premium. Last year’s annual premium: This year’s annual premium. £ 8,102.74. £ 8,102.74. The premium includes all applicable insurance premium tax (IPT). Dear Mrs Dr Brett Baker. Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 27/04/2023 . 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. £6,570.48. £6,570.48. Legal protection. £9,146.69. £9,146.69. 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 Brown, Barnes and Rees , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay. . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover. Policy summary for each cover. ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover . As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before 27/04/2023 . 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 : kz_wcusjqokmqiglcwe-mco Company name: Brown, Barnes and Rees . It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : kz_wcusjqokmqiglcwe-mco Company name: Brown, Barnes and Rees . Your Hiscox Insurance premium Last year’s annual premium: This year’s annual premium The premium includes all applicable insurance premium tax (IPT). £ 8,102.74 £ 8,102.74 . Your Hiscox Insurance premium . Last year’s annual premium: This year’s annual premium £ 8,102.74 £ 8,102.74 . The premium includes all applicable insurance premium tax (IPT). Dear Mrs Dr Brett Baker . Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 27/04/2023 . 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 £6,570.48 £6,570.48 Legal protection £9,146.69 £9,146.69 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 Brown, Barnes and Rees , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover Policy summary for each cover ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before 27/04/2023 . 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 27/04/2023 . 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 £6,570.48 £6,570.48 Legal protection £9,146.69 £9,146.69 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 Brown, Barnes and Rees , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover Policy summary for each cover ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before 27/04/2023 . 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) £6,570.48 £9,146.69 £0.00 . This year’s annual Premium (exc IPT) £6,570.48 £9,146.69 . Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) . Professional indemnity £6,570.48 £6,570.48 . Legal protection £9,146.69 £9,146.69 . 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: Dr Brett Baker 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 15/01/25 £8,102.74 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: kz_wcusjqokmqiglcwe-mco 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, Barnes and Rees Hiscox Underwriting 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:kz_wcusjqokmqiglcwe-mco Name of policy holder:Brown, Barnes and Rees Period of insurance: From 27/04/2023 to 27/06/24 both days inclusive. This policy isa Continuing cover policy Insurer: Hiscox Insurance Company Limited Retroactive date: Friday 01 May, 2020 Level of cover:£1,000,000 Signed on behalf of Hiscox Underwriting Limited as agent for the insurers Jon Dye CEO, Hiscox UK Notes: (a) This insurance is subject to policy terms and conditions and any special terms notified to the InsuredPage / 1 Hiscox Business Insurance Policy Schedule 14502 10/18 This schedule tells you what is insured with us. It should be read carefully with your policy wording(s) and statement of fact detailed elsewhere in this document. Schedule effective date: 27/04/2023 Insurance details Policy number: kz_wcusjqokmqiglcwe-mco Period of insurance: From 27/04/2023 to 27/06/24 both days inclusive. This policy isa Continuing cover policy. Insured: Brown, Barnes and Rees Address: Studio 84v Harriet port East Kelly FARNHAM IG8 0XN Additional insureds: None Business: Management Consultants Premium details Charged premium – the total amount you’ll pay for this policy. Charged premium: £6,782.62 Insurance Premium Tax (IPT): £4,630.71 Total charged premium: £8,102.74 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: £6,782.62 Insurance Premium Tax (IPT): £4,630.71 Annual total: £8,102.74 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 £6,570.48 Legal protection £100,000 £0 £9,146.69 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: 27/04/2023 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 Friday 01 May, 2020 Insurer Hiscox Insurance Company LimitedPage / 1 Hiscox Insurance Summary of change Introduction This document has been created to help you understand the key changes to your Hiscox Insurance policy and how they may impact you. Your policy continues to offer professional, tailored insurance to protect you and give you peace of mind that if you need us, you will be supported by our award winning claims team. If you have a query not covered by this document, or if you have any questions or concerns about your policy you should contact us. Frequently asked questions What if my circumstances change during the period of insurance? If your circumstances change during the period of insurance, you only need to let us know if the change means that any of the information in the Statement of Fact is no longer true, complete and accurate. If there are no such changes, you do not need to let us know. If any of the information within the Statement of Fact becomes no longer complete, true or accurate at any point during the period of insurance you must tell us as it may affect the validity of the policy or our ability to pay a claim. Additionally, if your contact details change then you should let us know straightaway. Where doI find the limits that apply to my policy? You can find your maximum allowable limits for turnover and wage rollin your Statement of Fact. You must check this information and tell us or your broker if you expect to exceed the maximum amounts shown. Please note these values may have changed. If there are special limits or special excesses applying to particular covers or types of losses these will be shown in the policy schedule. Please check your policy schedule carefully as they may have changed. My new schedule shows a different premium to last year? What has changed? If an underwriter has reviewed your policy then they may have manually adjusted your premium, for example if you’ve had claims in the last 12 months. Where doI find out about any endorsements on my policy? You will be able to see if an endorsement has been applied or removed by reviewing your Policy Schedule. If you have any queries or concerns, please contact us or your broker if you have one. Hiscox Insurance Summary of change Professional indemnity for business management consultants Summary of change Changes to the cover The following table shows the differences between our new policy wordings (5570 WD- PROF-UK-MAN(7), 15579 WD-PROF-UK-MAN-AG(3)) and our previous wordings (5570 WD-PROF-UK-MAN(6), 15579 WD-PROF-UK-MAN-AG(2)). This isa summary of the changes only. You should refer to the schedule and policy wording for the full description of the cover in place. Area of cover Previous policy New policy Improvement in cover Claims against you Advertising claims. We will pay claims arising from your advertising or branding for defamation or infringement of copyright or moral rights. This does not include claims for passing off, unauthorised use of trademarks or false or misleading advertising. Previously cover was not restricted to defamation or the infringement of copyright or moral rights.Covered Amended Your own lossesChanges to ‘what is covered’ Losses from dishonesty. Your losses arising from the dishonesty of your employees, sub-contractors or outsourcers.Covered Not covered Area of cover Previous policy New policy Improvement in cover Cyber incident. We will not pay claims relating to an actual or possible cyber attack, hacker or social engineering communication. Previously we excluded any virus not specifically targeted at your system.Covered Not covered Computer or digital technology error. We will not pay claims arising from any negligent act, error or omission in the operation or maintenance of computer or digital technology such as development, installation, patching or upgrading.Covered Not coveredChanges to ‘what is not covered’ Infrastructure. We will not pay claims arising from the failure of the service provided by internet, telecommunications, utilities or other infrastructure providers.Covered Not covered Hiscox Insurance Summary of change Personal data. We will not pay claims relating to personal data. We will pay such claims where they arise from your performance ofa business activity and which is not otherwise excluded. Subject to the limit shown in the schedule.Covered Not covered Other important changes Control of defence. Under the previous wording we had a duty to defend you against any covered claim brought against you. We now have the right but not the obligation to take control of the conduct of the claim including the appointment of legal representation. Please refer to the policy wording for full details. SOC-PROF-UK-MAN(1) 21367 01/21
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kz_wcusjqokmqiglcwe-mco
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(?<=Policy number - )[-\w_\/\.]+?(?= Company name)
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27/04/2023
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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 - 3HJRC//VJ/TT Company name: Taylor, Long and Morris It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : 3HJRC//VJ/TT. Company name: Taylor, Long and Morris. Your Hiscox Insurance premium. Last year’s annual premium: This year’s annual premium. £ 4,650.70. £ 4,650.70. The premium includes all applicable insurance premium tax (IPT). Dear Miss Sylvia Fowler. Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on Thu 16 June, 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. £4,397.59. £4,397.59. Legal protection. £1,809.58. £1,809.58. 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 Taylor, Long and Morris , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay. . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover. Policy summary for each cover. ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover . As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before Thu 16 June, 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 : 3HJRC//VJ/TT Company name: Taylor, Long and Morris . It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : 3HJRC//VJ/TT Company name: Taylor, Long and Morris . Your Hiscox Insurance premium Last year’s annual premium: This year’s annual premium The premium includes all applicable insurance premium tax (IPT). £ 4,650.70 £ 4,650.70 . Your Hiscox Insurance premium . Last year’s annual premium: This year’s annual premium £ 4,650.70 £ 4,650.70 . The premium includes all applicable insurance premium tax (IPT). Dear Miss Sylvia Fowler . Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on Thu 16 June, 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 £4,397.59 £4,397.59 Legal protection £1,809.58 £1,809.58 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 Taylor, Long and Morris , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover Policy summary for each cover ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before Thu 16 June, 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 Thu 16 June, 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 £4,397.59 £4,397.59 Legal protection £1,809.58 £1,809.58 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 Taylor, Long and Morris , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover Policy summary for each cover ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before Thu 16 June, 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) £4,397.59 £1,809.58 £0.00 . This year’s annual Premium (exc IPT) £4,397.59 £1,809.58 . Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) . Professional indemnity £4,397.59 £4,397.59 . Legal protection £1,809.58 £1,809.58 . 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: Sylvia Fowler Frequency of collection: Annual Sort code: %BANK_SORT_CODE_1% Account number: %BANK_ACCOUNT_NUMBER_1% Your Direct Debit schedule We will take payments on the dates outlined below: Date Amount 16/04/24 £4,650.70 Where your chosen collection date falls ona non-working day then we will endeavour to collect the next working day. For your information, the collections will be made using the following reference number: Originator Identification Number: 293461 Reference Number: 3HJRC//VJ/TT If you have any questions about your policy or payments, please call us on 0800 280 0351. We’re here between 8:30am - 5:30pm Monday to Friday or you can email us at service@hiscox.co.uk. Using your personal information Hiscox isa trading name ofa number of Hiscox companies. The specific company acting asa data controller of your personal information will be listed in the documentation we provide to you. If you are unsure you can also contact us at anytime by telephoning 01904 681198 or by emailing us at dataprotectionofficer@hiscox.com. We collect and process information about you in order to provide insurance policies and to process claims. Your information is also used for business purposes such as fraud prevention and detection and financial management. This may involve sharing your information with, and obtaining information about you from, our group companies and third parties such as brokers, loss adjusters, credit reference agencies, service providers, professional advisors, our regulators or fraud prevention agencies. We may record telephone calls to help us monitor and improve the service we provide. For further information on how your information is used and your rights in relation to your information please see our privacy policy at www.hiscox.co.uk/cookies-privacy. The Direct Debit Guarantee This Guarantee is offered by all banks and building societies that accept instructions to pay Direct Debits. If there are any changes to the amount, date or frequency of your Direct Debit Hiscox Underwriting Ltd will notify you ten working days in advance of your account being debited or as otherwise agreed. If you request Hiscox Underwriting Ltd to collect a payment, confirmation of the amount and date will be given to you at the time of the request. If an error is made in the payment of your Direct Debit by Hiscox Underwriting Ltd or your bank or building society you are entitled to a full and immediate refund of the amount paid from your bank or building society. – If you receive a refund you are not entitled to, you must pay it back when Hiscox Underwriting Ltd asks you to. You can cancel a Direct Debit at anytime by simply contacting your bank or building society. Written confirmation maybe required. Please also notify us. Page / 1 Hiscox Business Insurance Policy summary JAC-PSC-UK-DC556(5.4) 17431b 07/20 Your Hiscox Business Insurance policy summaries This document contains the summaries for any policy covers you have selected to protect your business. These summaries outline the key information about your policies so you can be confident that you have understood what you have bought and what you are covered for. However, you should carefully read your policy in full and ensure that you understand its terms and conditions in full. If you have any queries, you should contact Hiscox or your insurance advisor. Your side of the bargain Remember, your premium and insurance are based on the details you have provided to us. Please make sure this information accurately reflects your business and that you inform us immediately if anything needs to change. Please also tell us of any changes in circumstances that may affect the services provided by us or the cover provided by your policy. This is particularly important before taking out a policy, but it also applies throughout the life of the policy too. You need to consider: ■if you fail to fairly present the risk to us, including by failing to disclose any information material to the insurance, you could invalidate the policy, claims may not be paid or the amount we pay maybe reduced; ■you should read and check all insurance documents to ensure that you are aware of the cover, limits and other terms that apply; ■if you fail to let us know of any changes to your circumstances during the period of insurance or, if when telling us about such changes you fail to present the risk to us fairly, you could invalidate the policy, claims may not be paid or the amount we pay maybe reduced; ■please be aware of all terms and conditions of your policy because failure to comply with them could invalidate it or result in us not paying a claim or reducing the amount we pay; ■in the event ofa claim, you should take note of the required procedures, such as giving Hiscox prompt notice of the claims, as stated in the policy documentation. In particular, if you fail to notify us when you first become aware ofa shortcoming, fact, or problem, admit you are liable for what has happened or appoint solicitors or other legal representation without our prior written approval, claims or defence costs may not be paid or the amount we pay maybe reduced; ■as with any insurance, you have an obligation to take reasonable steps to mitigate any loss or liability; ■if you make a fraudulent claim or try to deceive us, we may terminate the policy. Policy length The period of insurance is shown on your policy schedule. Your policy schedule will also show if the policy is ona continuing cover basis. If itis ona continuing cover basis, we will renew your policy each year for another 12 months and continue to take payment (including any premium adjustment shown in your renewal invitation) using your existing arrangement, unless you tell us otherwise or if your risk changes. If your policy schedule does not show that the policy is ona continuing cover basis, cover will cease at the end of the period of insurance, unless you renew your policy with us. We will provide you witha statement of fact each year and provided that the information contained within the statement of fact is true, complete and accurate, you do not need to provide us with any further information. If any of the information in your statement of fact is not true, complete and accurate, you must let us know. If you do not let us know, it may affect the validity of the policy or our ability to pay a claim. Retroactive dates, geographical and jurisdiction limits Where any section of your policy schedule includes a retroactive date, we will not make any payment for any claim or loss under that section which arises from any activity performed or any act, incident or occurrence taking place, before the retroactive date. Where any section of your policy schedule shows the geographical limits which apply to that section of the policy, we will only pay for claims and losses under that section which arise from activities performed or acts, incidents or occurrences taking place within those geographical limits. Where any section provides cover in respect of your liability to third parties, we will only cover claims first made ina country within the applicable courts stated in that section of your policy schedule. Hiscox Business Insurance Policy summary JAC-PSC-UK-DC556(5.4) 17431b 07/20 Cancellation rights You can cancel this policy by giving us 30 days' notice. You will only be charged for the premiums due up to the date of cancellation. If we need to cancel the policy, we’ll give you 30 days’ notice in writing and refund any surplus premiums you might have paid. Please note – we may deduct an administration fee from any refunded payment.There is an exception to our 30-day notice period, which is triggered when we don’t receive your Direct Debit payments within the agreed 14-day period. At this point, we will contact you as soon as possible and stop the policyPage / 2 immediately. Underwritten by:Hiscox Underwriting Ltd on behalf of the insurers named in the schedule. Page / 1 Certificate of professional indemnity insurance Taylor, Long and Morris Hiscox Underwriting Ltd of 1 Great St. Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Certificate of professional indemnity Insurance Policy number:3HJRC//VJ/TT Name of policy holder:Taylor, Long and Morris Period of insurance: From Thu 16 June, 2022 to 07 February, 2025 both days inclusive. This policy isa Continuing cover policy Insurer: Hiscox Insurance Company Limited Retroactive date: Tue 20 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: Thu 16 June, 2022 Insurance details Policy number: 3HJRC//VJ/TT Period of insurance: From Thu 16 June, 2022 to 07 February, 2025 both days inclusive. This policy isa Continuing cover policy. Insured: Taylor, Long and Morris Address: Studio 0 Maria viaduct Wattsville FARNHAM CM27 5TZ Additional insureds: None Business: Management Consultants Premium details Charged premium – the total amount you’ll pay for this policy. Charged premium: £5,398.51 Insurance Premium Tax (IPT): £3,727.25 Total charged premium: £4,650.70 Annualised premium – the annual premium for this policy. This is given for comparison purposes. Please refer to the charged premium section for the amount you’ll pay for the policy. Annual premium: £5,398.51 Insurance Premium Tax (IPT): £3,727.25 Annual total: £4,650.70 Please note that there will be no refund or additional premium for any transaction which is less than £20 (excluding IPT). Hiscox Business Insurance Policy Schedule 14502 10/18 Summary Claims information If you need to make a claim: - For claims relating to your building or contents please contact our claims team on 0800 247 1902, 9.00am – 5:30pm Monday to Friday. If you wish to make a claim online, you can log most claims quickly and easily through our claims notification portal at https://claims.hiscox.co.uk/. Outside of normal business hours, if you require emergency assistance in relation to substantial damage to your property, you can speak to our 24-hour emergency assistance team using the telephone number above. Your policy schedule will state if property cover is included in your policy. Our out-of-hours emergency assistance team operate ona pay-and-claim basis and you will need to have credit card details available as appropriate. The team will then be able to direct you to essential tradesmen, emergency loss adjusters or disaster management companies in the event of substantial damage. - If there isa claim (or potential claim) against you bya third party, please email us at liability.claims@hiscox.com. If you need to speak to a member of the claims team urgently, please call our team on 0800 711 7156, 9.00am – 5:30pm Monday to Friday. If you wish to make a claim online, you can log most claims quickly and easily through our claims notification portal at https://claims.hiscox.co.uk/. You will need to provide your full name and contact details, the name of your business or organisation, your address and postcode, the policy reference and circumstances of the claim. The Important information and contact details section below contains additional information specific to the covers applicable to your policy. If you are unsure of who to contact please call our team on 0800 711 7156, 9.00am – 5:30pm Monday to Friday. They will ensure you get through to the correct claims team and let you know what actions you need to take. If anything happens that might be covered under the policy, you must comply with the obligations set out in General claims conditions, together with the obligations set out under Your obligations in the section or sections under which you are making the claim. Itis important that you read the policy for details of its terms in full. Your covers This isa summary of each section of your policy. See each section for cover details. Cover Insurance amount Excess Annual Premium (exc IPT) Professional indemnity £1,000,000 £1,000 £4,397.59 Legal protection £100,000 £0 £1,809.58 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: Thu 16 June, 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 Tue 20 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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3HJRC//VJ/TT
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(?<=Policy number - )[-\w_\/\.]+?(?= Company name)
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Thu 16 June, 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 - 7/3J/WJM-EPUOE_P7J Company name: Collins, Smith and Brown It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : 7/3J/WJM-EPUOE_P7J. Company name: Collins, Smith and Brown. Your Hiscox Insurance premium. Last year’s annual premium: This year’s annual premium. £ 4,351.42. £ 4,351.42. The premium includes all applicable insurance premium tax (IPT). Dear Mrs Irene Harvey. Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 28/11/21 . 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. £5,030.98. £5,030.98. Legal protection. £2,275.58. £2,275.58. 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 Collins, Smith 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 28/11/21 . 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 : 7/3J/WJM-EPUOE_P7J Company name: Collins, Smith and Brown . It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : 7/3J/WJM-EPUOE_P7J Company name: Collins, Smith 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). £ 4,351.42 £ 4,351.42 . Your Hiscox Insurance premium . Last year’s annual premium: This year’s annual premium £ 4,351.42 £ 4,351.42 . The premium includes all applicable insurance premium tax (IPT). Dear Mrs Irene Harvey . Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 28/11/21 . 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 £5,030.98 £5,030.98 Legal protection £2,275.58 £2,275.58 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 Collins, Smith 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 28/11/21 . 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 28/11/21 . 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 £5,030.98 £5,030.98 Legal protection £2,275.58 £2,275.58 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 Collins, Smith 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 28/11/21 . 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) £5,030.98 £2,275.58 £0.00 . This year’s annual Premium (exc IPT) £5,030.98 £2,275.58 . Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) . Professional indemnity £5,030.98 £5,030.98 . Legal protection £2,275.58 £2,275.58 . 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: Irene Harvey Frequency of collection: Annual Sort code: %BANK_SORT_CODE_1% Account number: %BANK_ACCOUNT_NUMBER_1% Your Direct Debit schedule We will take payments on the dates outlined below: Date Amount 21/06/2019 £4,351.42 Where your chosen collection date falls ona non-working day then we will endeavour to collect the next working day. For your information, the collections will be made using the following reference number: Originator Identification Number: 293461 Reference Number: 7/3J/WJM-EPUOE_P7J 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 Collins, Smith 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:7/3J/WJM-EPUOE_P7J Name of policy holder:Collins, Smith and Brown Period of insurance: From 28/11/21 to Sun 20 October, 2019 both days inclusive. This policy isa Continuing cover policy Insurer: Hiscox Insurance Company Limited Retroactive date: 25/01/25 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: 28/11/21 Insurance details Policy number: 7/3J/WJM-EPUOE_P7J Period of insurance: From 28/11/21 to Sun 20 October, 2019 both days inclusive. This policy isa Continuing cover policy. Insured: Collins, Smith and Brown Address: Studio 7 Kelly cliffs Dianeshire FARNHAM GY5 9TT Additional insureds: None Business: Management Consultants Premium details Charged premium – the total amount you’ll pay for this policy. Charged premium: £9,275.63 Insurance Premium Tax (IPT): £428.78 Total charged premium: £4,351.42 Annualised premium – the annual premium for this policy. This is given for comparison purposes. Please refer to the charged premium section for the amount you’ll pay for the policy. Annual premium: £9,275.63 Insurance Premium Tax (IPT): £428.78 Annual total: £4,351.42 Please note that there will be no refund or additional premium for any transaction which is less than £20 (excluding IPT). Hiscox Business Insurance Policy Schedule 14502 10/18 Summary Claims information If you need to make a claim: - For claims relating to your building or contents please contact our claims team on 0800 247 1902, 9.00am – 5:30pm Monday to Friday. If you wish to make a claim online, you can log most claims quickly and easily through our claims notification portal at https://claims.hiscox.co.uk/. Outside of normal business hours, if you require emergency assistance in relation to substantial damage to your property, you can speak to our 24-hour emergency assistance team using the telephone number above. Your policy schedule will state if property cover is included in your policy. Our out-of-hours emergency assistance team operate ona pay-and-claim basis and you will need to have credit card details available as appropriate. The team will then be able to direct you to essential tradesmen, emergency loss adjusters or disaster management companies in the event of substantial damage. - If there isa claim (or potential claim) against you bya third party, please email us at liability.claims@hiscox.com. If you need to speak to a member of the claims team urgently, please call our team on 0800 711 7156, 9.00am – 5:30pm Monday to Friday. If you wish to make a claim online, you can log most claims quickly and easily through our claims notification portal at https://claims.hiscox.co.uk/. You will need to provide your full name and contact details, the name of your business or organisation, your address and postcode, the policy reference and circumstances of the claim. The Important information and contact details section below contains additional information specific to the covers applicable to your policy. If you are unsure of who to contact please call our team on 0800 711 7156, 9.00am – 5:30pm Monday to Friday. They will ensure you get through to the correct claims team and let you know what actions you need to take. If anything happens that might be covered under the policy, you must comply with the obligations set out in General claims conditions, together with the obligations set out under Your obligations in the section or sections under which you are making the claim. Itis important that you read the policy for details of its terms in full. Your covers This isa summary of each section of your policy. See each section for cover details. Cover Insurance amount Excess Annual Premium (exc IPT) Professional indemnity £1,000,000 £1,000 £5,030.98 Legal protection £100,000 £0 £2,275.58 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: 28/11/21 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 25/01/25 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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7/3J/WJM-EPUOE_P7J
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28/11/21
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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 - 8Q./07/2IF_.FSTZ6N Company name: Butler Group It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : 8Q./07/2IF_.FSTZ6N. Company name: Butler Group. Your Hiscox Insurance premium. Last year’s annual premium: This year’s annual premium. £ 2,511.39. £ 2,511.39. The premium includes all applicable insurance premium tax (IPT). Dear Mrs Charles Hill. Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on Fri 26 September, 2025 . Good news; if you want cover to continue with us and to make sure you stay protected by our award-winning cover, you do not need to do anything. We will update your policy onto our latest wording and continue to collect payment using the payment details we have for you. You must read the important information contained in this email and the attached documents. Your Hiscox Insurance Premium breakdown. The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). The amount shown as last year’s Annual premium will take into account any changes to the cover which may have been made during the last policy period. Cover. Last year’s annual premium (exc IPT). This year’s annual Premium (exc IPT). Professional indemnity. £6,350.35. £6,350.35. Legal protection. £8,330.83. £8,330.83. 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 Butler 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 Fri 26 September, 2025 . We’re here between 8:30am - 5:30pm Monday to Friday . Please note that we can only discuss policy changes with people named on the policy. Why renew with Hiscox. - Reassuring: we offer a range of cover options that can be tailored to your needs. - Flexible: we offer full flexibility to change your policy, with no administration fees . - Award-winning cover : we’ve been named Best Small Business Insurer 7 years running by Start Your Business Magazine . Please click this link for the Hiscox Referral Portal: https://refer.aklamio.com/hiscox/uk?source=postpurchase. Thank you again for choosing Hiscox to insure your business. We hope you and your business have a very successful year. Kind regards. Jon Dye. CEO, Hiscox UK. Business Insurance for the small and the brave. To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre. Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. This email and any files transmitted with it are confidential and intended solely for the use of the individual or entity to whom they are addressed. No one else is authorised to distribute, forward, print, copy or act upon any information contained in this email. If you have received this email in error, please notify the sender. Hiscox Syndicates Limited and Hiscox Insurance Company Limited are authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Hiscox Underwriting Limited, Hiscox Underwriting Services Ltd, Hiscox MGA Ltd and Hiscox ASM Ltd are authorised and regulated by the Financial Conduct Authority. Hiscox Assure SAS is duly registered as an insurance broker with the ORIAS, which is the French Official Registry of Insurance Intermediaries. Hiscox plc is a company registered in England and Wales under company registration number 2837811 and registered office at 1 Great St Helen's, London EC3A 6HX. Hiscox SA is a company registered in Luxembourg at 35 Avenue John F. Kennedy 35F, Luxembourg L-1855, and is authorised by the Commissariat aux Assurances de Luxembourg. It’s time to renew your Hiscox Business Insurance Hiscox Insurance policy number : 8Q./07/2IF_.FSTZ6N Company name: Butler Group . It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : 8Q./07/2IF_.FSTZ6N Company name: Butler Group . Your Hiscox Insurance premium Last year’s annual premium: This year’s annual premium The premium includes all applicable insurance premium tax (IPT). £ 2,511.39 £ 2,511.39 . Your Hiscox Insurance premium . Last year’s annual premium: This year’s annual premium £ 2,511.39 £ 2,511.39 . The premium includes all applicable insurance premium tax (IPT). Dear Mrs Charles Hill . Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on Fri 26 September, 2025 . Good news; if you want cover to continue with us and to make sure you stay protected by our award-winning cover, you do not need to do anything. We will update your policy onto our latest wording and continue to collect payment using the payment details we have for you. You must read the important information contained in this email and the attached documents Your Hiscox Insurance Premium breakdown The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). The amount shown as last year’s Annual premium will take into account any changes to the cover which may have been made during the last policy period. Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) Professional indemnity £6,350.35 £6,350.35 Legal protection £8,330.83 £8,330.83 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 Butler 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 Fri 26 September, 2025 . We’re here between 8:30am - 5:30pm Monday to Friday . Please note that we can only discuss policy changes with people named on the policy. Why renew with Hiscox - Reassuring: we offer a range of cover options that can be tailored to your needs - Flexible: we offer full flexibility to change your policy, with no administration fees - Award-winning cover : we’ve been named Best Small Business Insurer 7 years running by Start Your Business Magazine Please click this link for the Hiscox Referral Portal: https://refer.aklamio.com/hiscox/uk?source=postpurchase Thank you again for choosing Hiscox to insure your business. We hope you and your business have a very successful year. Kind regards Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on Fri 26 September, 2025 . Good news; if you want cover to continue with us and to make sure you stay protected by our award-winning cover, you do not need to do anything. We will update your policy onto our latest wording and continue to collect payment using the payment details we have for you. You must read the important information contained in this email and the attached documents Your Hiscox Insurance Premium breakdown The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). The amount shown as last year’s Annual premium will take into account any changes to the cover which may have been made during the last policy period. Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) Professional indemnity £6,350.35 £6,350.35 Legal protection £8,330.83 £8,330.83 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 Butler 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 Fri 26 September, 2025 . We’re here between 8:30am - 5:30pm Monday to Friday . Please note that we can only discuss policy changes with people named on the policy. Why renew with Hiscox - Reassuring: we offer a range of cover options that can be tailored to your needs - Flexible: we offer full flexibility to change your policy, with no administration fees - Award-winning cover : we’ve been named Best Small Business Insurer 7 years running by Start Your Business Magazine Please click this link for the Hiscox Referral Portal: https://refer.aklamio.com/hiscox/uk?source=postpurchase Thank you again for choosing Hiscox to insure your business. We hope you and your business have a very successful year. Kind regards Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Your Hiscox Insurance Premium breakdown The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). Cover Professional indemnity Legal protection Crisis containment . Last year’s annual premium (exc IPT) £6,350.35 £8,330.83 £0.00 . This year’s annual Premium (exc IPT) £6,350.35 £8,330.83 . Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) . Professional indemnity £6,350.35 £6,350.35 . Legal protection £8,330.83 £8,330.83 . 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: Charles Hill Frequency of collection: Annual Sort code: %BANK_SORT_CODE_1% Account number: %BANK_ACCOUNT_NUMBER_1% Your Direct Debit schedule We will take payments on the dates outlined below: Date Amount 2024-11-21 £2,511.39 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: 8Q./07/2IF_.FSTZ6N 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 Butler 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:8Q./07/2IF_.FSTZ6N Name of policy holder:Butler Group Period of insurance: From Fri 26 September, 2025 to Sunday 19 November, 2023 both days inclusive. This policy isa Continuing cover policy Insurer: Hiscox Insurance Company Limited Retroactive date: 23/05/2020 Level of cover:£1,000,000 Signed on behalf of Hiscox Underwriting Limited as agent for the insurers Jon Dye CEO, Hiscox UK Notes: (a) This insurance is subject to policy terms and conditions and any special terms notified to the InsuredPage / 1 Hiscox Business Insurance Policy Schedule 14502 10/18 This schedule tells you what is insured with us. It should be read carefully with your policy wording(s) and statement of fact detailed elsewhere in this document. Schedule effective date: Fri 26 September, 2025 Insurance details Policy number: 8Q./07/2IF_.FSTZ6N Period of insurance: From Fri 26 September, 2025 to Sunday 19 November, 2023 both days inclusive. This policy isa Continuing cover policy. Insured: Butler Group Address: Studio 40Z Sophie place New Dominicstad FARNHAM DA9 8NU Additional insureds: None Business: Management Consultants Premium details Charged premium – the total amount you’ll pay for this policy. Charged premium: £7,575.39 Insurance Premium Tax (IPT): £5,365.14 Total charged premium: £2,511.39 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: £7,575.39 Insurance Premium Tax (IPT): £5,365.14 Annual total: £2,511.39 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 £6,350.35 Legal protection £100,000 £0 £8,330.83 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: Fri 26 September, 2025 Limit of indemnity £1,000,000 Limit applies to in the aggregate, including all costs Excess £1,000 Excess applies to each and every claim or loss, including all costs Geographical limits Worldwide Applicable courts Worldwide (excluding United States of America and Canada) Claims brought in USA or Canada Not covered Additional covers (in addition to overall limit of indemnity stated above) Cover Limit of indemnity Limit applies to Court attendance compensation - employees £250 per person, per day Court attendance compensation - directors and partners£500 per person, per day Court attendance compensation: in total £100,000 in the aggregate Special limits (included within not in addition to the overall limit of indemnity stated above) Cover Limit of indemnity Limit applies to Personal data claims £250,000 in the aggregate, including all costs Business activities Business managementPage / 2 consultant Retroactive date 23/05/2020 Insurer Hiscox Insurance Company LimitedPage / 1 Hiscox Insurance Summary of change Introduction This document has been created to help you understand the key changes to your Hiscox Insurance policy and how they may impact you. Your policy continues to offer professional, tailored insurance to protect you and give you peace of mind that if you need us, you will be supported by our award winning claims team. If you have a query not covered by this document, or if you have any questions or concerns about your policy you should contact us. Frequently asked questions What if my circumstances change during the period of insurance? If your circumstances change during the period of insurance, you only need to let us know if the change means that any of the information in the Statement of Fact is no longer true, complete and accurate. If there are no such changes, you do not need to let us know. If any of the information within the Statement of Fact becomes no longer complete, true or accurate at any point during the period of insurance you must tell us as it may affect the validity of the policy or our ability to pay a claim. Additionally, if your contact details change then you should let us know straightaway. Where doI find the limits that apply to my policy? You can find your maximum allowable limits for turnover and wage rollin your Statement of Fact. You must check this information and tell us or your broker if you expect to exceed the maximum amounts shown. Please note these values may have changed. If there are special limits or special excesses applying to particular covers or types of losses these will be shown in the policy schedule. Please check your policy schedule carefully as they may have changed. My new schedule shows a different premium to last year? What has changed? If an underwriter has reviewed your policy then they may have manually adjusted your premium, for example if you’ve had claims in the last 12 months. Where doI find out about any endorsements on my policy? You will be able to see if an endorsement has been applied or removed by reviewing your Policy Schedule. If you have any queries or concerns, please contact us or your broker if you have one. Hiscox Insurance Summary of change Professional indemnity for business management consultants Summary of change Changes to the cover The following table shows the differences between our new policy wordings (5570 WD- PROF-UK-MAN(7), 15579 WD-PROF-UK-MAN-AG(3)) and our previous wordings (5570 WD-PROF-UK-MAN(6), 15579 WD-PROF-UK-MAN-AG(2)). This isa summary of the changes only. You should refer to the schedule and policy wording for the full description of the cover in place. Area of cover Previous policy New policy Improvement in cover Claims against you Advertising claims. We will pay claims arising from your advertising or branding for defamation or infringement of copyright or moral rights. This does not include claims for passing off, unauthorised use of trademarks or false or misleading advertising. Previously cover was not restricted to defamation or the infringement of copyright or moral rights.Covered Amended Your own lossesChanges to ‘what is covered’ Losses from dishonesty. Your losses arising from the dishonesty of your employees, sub-contractors or outsourcers.Covered Not covered Area of cover Previous policy New policy Improvement in cover Cyber incident. We will not pay claims relating to an actual or possible cyber attack, hacker or social engineering communication. Previously we excluded any virus not specifically targeted at your system.Covered Not covered Computer or digital technology error. We will not pay claims arising from any negligent act, error or omission in the operation or maintenance of computer or digital technology such as development, installation, patching or upgrading.Covered Not coveredChanges to ‘what is not covered’ Infrastructure. We will not pay claims arising from the failure of the service provided by internet, telecommunications, utilities or other infrastructure providers.Covered Not covered Hiscox Insurance Summary of change Personal data. We will not pay claims relating to personal data. We will pay such claims where they arise from your performance ofa business activity and which is not otherwise excluded. Subject to the limit shown in the schedule.Covered Not covered Other important changes Control of defence. Under the previous wording we had a duty to defend you against any covered claim brought against you. We now have the right but not the obligation to take control of the conduct of the claim including the appointment of legal representation. Please refer to the policy wording for full details. SOC-PROF-UK-MAN(1) 21367 01/21
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8Q./07/2IF_.FSTZ6N
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Fri 26 September, 2025
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2024-02-05
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hiscox-business-2
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Hiscox Business Insurance - Policy number - zkwrgfi/jryb.hjd-g Company name: Pugh-White It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : zkwrgfi/jryb.hjd-g. Company name: Pugh-White. Your Hiscox Insurance premium. Last year’s annual premium: This year’s annual premium. £ 8,537.64. £ 8,537.64. The premium includes all applicable insurance premium tax (IPT). Dear Mr Mrs Sian Cox. Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on Saturday 07 December, 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. £8,648.85. £8,648.85. Legal protection. £2,281.76. £2,281.76. 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 Pugh-White , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay. . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover. Policy summary for each cover. ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover . As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, 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 07 December, 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 : zkwrgfi/jryb.hjd-g Company name: Pugh-White . It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : zkwrgfi/jryb.hjd-g Company name: Pugh-White . Your Hiscox Insurance premium Last year’s annual premium: This year’s annual premium The premium includes all applicable insurance premium tax (IPT). £ 8,537.64 £ 8,537.64 . Your Hiscox Insurance premium . Last year’s annual premium: This year’s annual premium £ 8,537.64 £ 8,537.64 . The premium includes all applicable insurance premium tax (IPT). Dear Mr Mrs Sian Cox . Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on Saturday 07 December, 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 £8,648.85 £8,648.85 Legal protection £2,281.76 £2,281.76 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 Pugh-White , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover Policy summary for each cover ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, 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 07 December, 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 07 December, 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 £8,648.85 £8,648.85 Legal protection £2,281.76 £2,281.76 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 Pugh-White , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover Policy summary for each cover ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, 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 07 December, 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) £8,648.85 £2,281.76 £0.00 . This year’s annual Premium (exc IPT) £8,648.85 £2,281.76 . Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) . Professional indemnity £8,648.85 £8,648.85 . Legal protection £2,281.76 £2,281.76 . 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: Mrs Sian 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 28/05/2020 £8,537.64 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: zkwrgfi/jryb.hjd-g If you have any questions about your policy or payments, please call us on 0800 280 0351. We’re here between 8:30am - 5:30pm Monday to Friday or you can email us at service@hiscox.co.uk. Using your personal information Hiscox isa trading name ofa number of Hiscox companies. The specific company acting asa data controller of your personal information will be listed in the documentation we provide to you. If you are unsure you can also contact us at anytime by telephoning 01904 681198 or by emailing us at dataprotectionofficer@hiscox.com. We collect and process information about you in order to provide insurance policies and to process claims. Your information is also used for business purposes such as fraud prevention and detection and financial management. This may involve sharing your information with, and obtaining information about you from, our group companies and third parties such as brokers, loss adjusters, credit reference agencies, service providers, professional advisors, our regulators or fraud prevention agencies. We may record telephone calls to help us monitor and improve the service we provide. For further information on how your information is used and your rights in relation to your information please see our privacy policy at www.hiscox.co.uk/cookies-privacy. The Direct Debit Guarantee This Guarantee is offered by all banks and building societies that accept instructions to pay Direct Debits. If there are any changes to the amount, date or frequency of your Direct Debit Hiscox Underwriting Ltd will notify you ten working days in advance of your account being debited or as otherwise agreed. If you request Hiscox Underwriting Ltd to collect a payment, confirmation of the amount and date will be given to you at the time of the request. If an error is made in the payment of your Direct Debit by Hiscox Underwriting Ltd or your bank or building society you are entitled to a full and immediate refund of the amount paid from your bank or building society. – If you receive a refund you are not entitled to, you must pay it back when Hiscox Underwriting Ltd asks you to. You can cancel a Direct Debit at anytime by simply contacting your bank or building society. Written confirmation maybe required. Please also notify us. Page / 1 Hiscox Business Insurance Policy summary JAC-PSC-UK-DC556(5.4) 17431b 07/20 Your Hiscox Business Insurance policy summaries This document contains the summaries for any policy covers you have selected to protect your business. These summaries outline the key information about your policies so you can be confident that you have understood what you have bought and what you are covered for. However, you should carefully read your policy in full and ensure that you understand its terms and conditions in full. If you have any queries, you should contact Hiscox or your insurance advisor. Your side of the bargain Remember, your premium and insurance are based on the details you have provided to us. Please make sure this information accurately reflects your business and that you inform us immediately if anything needs to change. Please also tell us of any changes in circumstances that may affect the services provided by us or the cover provided by your policy. This is particularly important before taking out a policy, but it also applies throughout the life of the policy too. You need to consider: ■if you fail to fairly present the risk to us, including by failing to disclose any information material to the insurance, you could invalidate the policy, claims may not be paid or the amount we pay maybe reduced; ■you should read and check all insurance documents to ensure that you are aware of the cover, limits and other terms that apply; ■if you fail to let us know of any changes to your circumstances during the period of insurance or, if when telling us about such changes you fail to present the risk to us fairly, you could invalidate the policy, claims may not be paid or the amount we pay maybe reduced; ■please be aware of all terms and conditions of your policy because failure to comply with them could invalidate it or result in us not paying a claim or reducing the amount we pay; ■in the event ofa claim, you should take note of the required procedures, such as giving Hiscox prompt notice of the claims, as stated in the policy documentation. In particular, if you fail to notify us when you first become aware ofa shortcoming, fact, or problem, admit you are liable for what has happened or appoint solicitors or other legal representation without our prior written approval, claims or defence costs may not be paid or the amount we pay maybe reduced; ■as with any insurance, you have an obligation to take reasonable steps to mitigate any loss or liability; ■if you make a fraudulent claim or try to deceive us, we may terminate the policy. Policy length The period of insurance is shown on your policy schedule. Your policy schedule will also show if the policy is ona continuing cover basis. If itis ona continuing cover basis, we will renew your policy each year for another 12 months and continue to take payment (including any premium adjustment shown in your renewal invitation) using your existing arrangement, unless you tell us otherwise or if your risk changes. If your policy schedule does not show that the policy is ona continuing cover basis, cover will cease at the end of the period of insurance, unless you renew your policy with us. We will provide you witha statement of fact each year and provided that the information contained within the statement of fact is true, complete and accurate, you do not need to provide us with any further information. If any of the information in your statement of fact is not true, complete and accurate, you must let us know. If you do not let us know, it may affect the validity of the policy or our ability to pay a claim. Retroactive dates, geographical and jurisdiction limits Where any section of your policy schedule includes a retroactive date, we will not make any payment for any claim or loss under that section which arises from any activity performed or any act, incident or occurrence taking place, before the retroactive date. Where any section of your policy schedule shows the geographical limits which apply to that section of the policy, we will only pay for claims and losses under that section which arise from activities performed or acts, incidents or occurrences taking place within those geographical limits. Where any section provides cover in respect of your liability to third parties, we will only cover claims first made ina country within the applicable courts stated in that section of your policy schedule. Hiscox Business Insurance Policy summary JAC-PSC-UK-DC556(5.4) 17431b 07/20 Cancellation rights You can cancel this policy by giving us 30 days' notice. You will only be charged for the premiums due up to the date of cancellation. If we need to cancel the policy, we’ll give you 30 days’ notice in writing and refund any surplus premiums you might have paid. Please note – we may deduct an administration fee from any refunded payment.There is an exception to our 30-day notice period, which is triggered when we don’t receive your Direct Debit payments within the agreed 14-day period. At this point, we will contact you as soon as possible and stop the policyPage / 2 immediately. Underwritten by:Hiscox Underwriting Ltd on behalf of the insurers named in the schedule. Page / 1 Certificate of professional indemnity insurance Pugh-White Hiscox Underwriting 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:zkwrgfi/jryb.hjd-g Name of policy holder:Pugh-White Period of insurance: From Saturday 07 December, 2019 to Tue 16 July, 2019 both days inclusive. This policy isa Continuing cover policy Insurer: Hiscox Insurance Company Limited Retroactive date: 30/08/24 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: Saturday 07 December, 2019 Insurance details Policy number: zkwrgfi/jryb.hjd-g Period of insurance: From Saturday 07 December, 2019 to Tue 16 July, 2019 both days inclusive. This policy isa Continuing cover policy. Insured: Pugh-White Address: 0 Jacqueline flat East Yvonne FARNHAM LA4R 5WT Additional insureds: None Business: Management Consultants Premium details Charged premium – the total amount you’ll pay for this policy. Charged premium: £8,016.65 Insurance Premium Tax (IPT): £8,117.74 Total charged premium: £8,537.64 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: £8,016.65 Insurance Premium Tax (IPT): £8,117.74 Annual total: £8,537.64 Please note that there will be no refund or additional premium for any transaction which is less than £20 (excluding IPT). Hiscox Business Insurance Policy Schedule 14502 10/18 Summary Claims information If you need to make a claim: - For claims relating to your building or contents please contact our claims team on 0800 247 1902, 9.00am – 5:30pm Monday to Friday. If you wish to make a claim online, you can log most claims quickly and easily through our claims notification portal at https://claims.hiscox.co.uk/. Outside of normal business hours, if you require emergency assistance in relation to substantial damage to your property, you can speak to our 24-hour emergency assistance team using the telephone number above. Your policy schedule will state if property cover is included in your policy. Our out-of-hours emergency assistance team operate ona pay-and-claim basis and you will need to have credit card details available as appropriate. The team will then be able to direct you to essential tradesmen, emergency loss adjusters or disaster management companies in the event of substantial damage. - If there isa claim (or potential claim) against you bya third party, please email us at liability.claims@hiscox.com. If you need to speak to a member of the claims team urgently, please call our team on 0800 711 7156, 9.00am – 5:30pm Monday to Friday. If you wish to make a claim online, you can log most claims quickly and easily through our claims notification portal at https://claims.hiscox.co.uk/. You will need to provide your full name and contact details, the name of your business or organisation, your address and postcode, the policy reference and circumstances of the claim. The Important information and contact details section below contains additional information specific to the covers applicable to your policy. If you are unsure of who to contact please call our team on 0800 711 7156, 9.00am – 5:30pm Monday to Friday. They will ensure you get through to the correct claims team and let you know what actions you need to take. If anything happens that might be covered under the policy, you must comply with the obligations set out in General claims conditions, together with the obligations set out under Your obligations in the section or sections under which you are making the claim. Itis important that you read the policy for details of its terms in full. Your covers This isa summary of each section of your policy. See each section for cover details. Cover Insurance amount Excess Annual Premium (exc IPT) Professional indemnity £1,000,000 £1,000 £8,648.85 Legal protection £100,000 £0 £2,281.76 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: Saturday 07 December, 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 30/08/24 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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zkwrgfi/jryb.hjd-g
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(?<=Policy number - )[-\w_\/\.]+?(?= Company name)
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Saturday 07 December, 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 - wzs_ckc/e.uuhd Company name: Parsons-Gardner It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : wzs_ckc/e.uuhd. Company name: Parsons-Gardner. Your Hiscox Insurance premium. Last year’s annual premium: This year’s annual premium. £ 1,989.22. £ 1,989.22. The premium includes all applicable insurance premium tax (IPT). Dear Dr Mrs Carolyn Jones. Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on Wednesday 19 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. £2,056.83. £2,056.83. Legal protection. £1,860.34. £1,860.34. 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 Parsons-Gardner , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay. . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover. Policy summary for each cover. ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover . As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, 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 19 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 : wzs_ckc/e.uuhd Company name: Parsons-Gardner . It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : wzs_ckc/e.uuhd Company name: Parsons-Gardner . Your Hiscox Insurance premium Last year’s annual premium: This year’s annual premium The premium includes all applicable insurance premium tax (IPT). £ 1,989.22 £ 1,989.22 . Your Hiscox Insurance premium . Last year’s annual premium: This year’s annual premium £ 1,989.22 £ 1,989.22 . The premium includes all applicable insurance premium tax (IPT). Dear Dr Mrs Carolyn Jones . Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on Wednesday 19 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 £2,056.83 £2,056.83 Legal protection £1,860.34 £1,860.34 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 Parsons-Gardner , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover Policy summary for each cover ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, 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 19 October, 2022 . We’re here between 8:30am - 5:30pm Monday to Friday . Please note that we can only discuss policy changes with people named on the policy. Why renew with Hiscox - Reassuring: we offer a range of cover options that can be tailored to your needs - Flexible: we offer full flexibility to change your policy, with no administration fees - Award-winning cover : we’ve been named Best Small Business Insurer 7 years running by Start Your Business Magazine Please click this link for the Hiscox Referral Portal: https://refer.aklamio.com/hiscox/uk?source=postpurchase Thank you again for choosing Hiscox to insure your business. We hope you and your business have a very successful year. Kind regards Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on Wednesday 19 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 £2,056.83 £2,056.83 Legal protection £1,860.34 £1,860.34 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 Parsons-Gardner , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover Policy summary for each cover ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, 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 19 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) £2,056.83 £1,860.34 £0.00 . This year’s annual Premium (exc IPT) £2,056.83 £1,860.34 . Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) . Professional indemnity £2,056.83 £2,056.83 . Legal protection £1,860.34 £1,860.34 . 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: Mrs Carolyn 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 Monday 26 May, 2025 £1,989.22 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: wzs_ckc/e.uuhd 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-Gardner Hiscox Underwriting 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:wzs_ckc/e.uuhd Name of policy holder:Parsons-Gardner Period of insurance: From Wednesday 19 October, 2022 to Tuesday 18 June, 2024 both days inclusive. This policy isa Continuing cover policy Insurer: Hiscox Insurance Company Limited Retroactive date: Thursday 23 February, 2023 Level of cover:£1,000,000 Signed on behalf of Hiscox Underwriting Limited as agent for the insurers Jon Dye CEO, Hiscox UK Notes: (a) This insurance is subject to policy terms and conditions and any special terms notified to the InsuredPage / 1 Hiscox Business Insurance Policy Schedule 14502 10/18 This schedule tells you what is insured with us. It should be read carefully with your policy wording(s) and statement of fact detailed elsewhere in this document. Schedule effective date: Wednesday 19 October, 2022 Insurance details Policy number: wzs_ckc/e.uuhd Period of insurance: From Wednesday 19 October, 2022 to Tuesday 18 June, 2024 both days inclusive. This policy isa Continuing cover policy. Insured: Parsons-Gardner Address: 594 Lynne cape Lake Antonyton FARNHAM W36 1SL Additional insureds: None Business: Management Consultants Premium details Charged premium – the total amount you’ll pay for this policy. Charged premium: £2,220.99 Insurance Premium Tax (IPT): £9,481.79 Total charged premium: £1,989.22 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: £2,220.99 Insurance Premium Tax (IPT): £9,481.79 Annual total: £1,989.22 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 £2,056.83 Legal protection £100,000 £0 £1,860.34 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: Wednesday 19 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 Thursday 23 February, 2023 Insurer Hiscox Insurance Company LimitedPage / 1 Hiscox Insurance Summary of change Introduction This document has been created to help you understand the key changes to your Hiscox Insurance policy and how they may impact you. Your policy continues to offer professional, tailored insurance to protect you and give you peace of mind that if you need us, you will be supported by our award winning claims team. If you have a query not covered by this document, or if you have any questions or concerns about your policy you should contact us. Frequently asked questions What if my circumstances change during the period of insurance? If your circumstances change during the period of insurance, you only need to let us know if the change means that any of the information in the Statement of Fact is no longer true, complete and accurate. If there are no such changes, you do not need to let us know. If any of the information within the Statement of Fact becomes no longer complete, true or accurate at any point during the period of insurance you must tell us as it may affect the validity of the policy or our ability to pay a claim. Additionally, if your contact details change then you should let us know straightaway. Where doI find the limits that apply to my policy? You can find your maximum allowable limits for turnover and wage rollin your Statement of Fact. You must check this information and tell us or your broker if you expect to exceed the maximum amounts shown. Please note these values may have changed. If there are special limits or special excesses applying to particular covers or types of losses these will be shown in the policy schedule. Please check your policy schedule carefully as they may have changed. My new schedule shows a different premium to last year? What has changed? If an underwriter has reviewed your policy then they may have manually adjusted your premium, for example if you’ve had claims in the last 12 months. Where doI find out about any endorsements on my policy? You will be able to see if an endorsement has been applied or removed by reviewing your Policy Schedule. If you have any queries or concerns, please contact us or your broker if you have one. Hiscox Insurance Summary of change Professional indemnity for business management consultants Summary of change Changes to the cover The following table shows the differences between our new policy wordings (5570 WD- PROF-UK-MAN(7), 15579 WD-PROF-UK-MAN-AG(3)) and our previous wordings (5570 WD-PROF-UK-MAN(6), 15579 WD-PROF-UK-MAN-AG(2)). This isa summary of the changes only. You should refer to the schedule and policy wording for the full description of the cover in place. Area of cover Previous policy New policy Improvement in cover Claims against you Advertising claims. We will pay claims arising from your advertising or branding for defamation or infringement of copyright or moral rights. This does not include claims for passing off, unauthorised use of trademarks or false or misleading advertising. Previously cover was not restricted to defamation or the infringement of copyright or moral rights.Covered Amended Your own lossesChanges to ‘what is covered’ Losses from dishonesty. Your losses arising from the dishonesty of your employees, sub-contractors or outsourcers.Covered Not covered Area of cover Previous policy New policy Improvement in cover Cyber incident. We will not pay claims relating to an actual or possible cyber attack, hacker or social engineering communication. Previously we excluded any virus not specifically targeted at your system.Covered Not covered Computer or digital technology error. We will not pay claims arising from any negligent act, error or omission in the operation or maintenance of computer or digital technology such as development, installation, patching or upgrading.Covered Not coveredChanges to ‘what is not covered’ Infrastructure. We will not pay claims arising from the failure of the service provided by internet, telecommunications, utilities or other infrastructure providers.Covered Not covered Hiscox Insurance Summary of change Personal data. We will not pay claims relating to personal data. We will pay such claims where they arise from your performance ofa business activity and which is not otherwise excluded. Subject to the limit shown in the schedule.Covered Not covered Other important changes Control of defence. Under the previous wording we had a duty to defend you against any covered claim brought against you. We now have the right but not the obligation to take control of the conduct of the claim including the appointment of legal representation. Please refer to the policy wording for full details. SOC-PROF-UK-MAN(1) 21367 01/21
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Wednesday 19 October, 2022
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2024-02-05
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Hiscox Business Insurance - Policy number - njmdrlamce.tbytya_ Company name: Osborne, Elliott and Palmer It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : njmdrlamce.tbytya_. Company name: Osborne, Elliott and Palmer. Your Hiscox Insurance premium. Last year’s annual premium: This year’s annual premium. £ 4,371.35. £ 4,371.35. The premium includes all applicable insurance premium tax (IPT). Dear Dr Mrs Sandra Wilson. Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on Thursday 04 April, 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. £2,479.71. £2,479.71. Legal protection. £6,716.08. £6,716.08. Crisis containment. £0.00. Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy . Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government increase in Insurance Premium Tax as shown. Is our information correct? Your premium and cover are based on what you’ve told us about Osborne, Elliott and Palmer , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay. . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover. Policy summary for each cover. ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover . As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before Thursday 04 April, 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 : njmdrlamce.tbytya_ Company name: Osborne, Elliott and Palmer . It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : njmdrlamce.tbytya_ Company name: Osborne, Elliott and Palmer . Your Hiscox Insurance premium Last year’s annual premium: This year’s annual premium The premium includes all applicable insurance premium tax (IPT). £ 4,371.35 £ 4,371.35 . Your Hiscox Insurance premium . Last year’s annual premium: This year’s annual premium £ 4,371.35 £ 4,371.35 . The premium includes all applicable insurance premium tax (IPT). Dear Dr Mrs Sandra Wilson . Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on Thursday 04 April, 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 £2,479.71 £2,479.71 Legal protection £6,716.08 £6,716.08 Crisis containment £0.00 Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government increase in Insurance Premium Tax as shown. Is our information correct? Your premium and cover are based on what you’ve told us about Osborne, Elliott and Palmer , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover Policy summary for each cover ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before Thursday 04 April, 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 Thursday 04 April, 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 £2,479.71 £2,479.71 Legal protection £6,716.08 £6,716.08 Crisis containment £0.00 Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government increase in Insurance Premium Tax as shown. Is our information correct? Your premium and cover are based on what you’ve told us about Osborne, Elliott and Palmer , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover Policy summary for each cover ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before Thursday 04 April, 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) £2,479.71 £6,716.08 £0.00 . This year’s annual Premium (exc IPT) £2,479.71 £6,716.08 . Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) . Professional indemnity £2,479.71 £2,479.71 . Legal protection £6,716.08 £6,716.08 . Crisis containment £0.00 . Kind regards Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre . Kind regards . Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave . To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre . Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Page / 1 Hiscox Business Insurance Policy wording 17431a - DC565 WORDING 04/17Guide to sectionsIntroduction Policy wordings General terms and conditions Professional indemnity for business management consultants Legal protection Crisis containment Hiscox Business Insurance Policy wording 17431a - DC565 WORDING 04/17IntroductionThank you for choosing Hiscox to protect your business. We hope that the language and layout of this policy wording are clear because we want you to understand the insurance we provide as well as the responsibilities we have to each other. Please read this document, including the policy schedule, policy summary and statement of fact, and let us know as soon as possible if any of the details are shown incorrectly. We always try to deliver to the highest standards of service. Your views are important to us, so if you feel that our service is below the standard you would expect from Hiscox, please contact us on the phone number shown in your policy schedule. Please note that some of the words we use in this insurance are shown in bold type. These words are defined in each section of the wording. Page / 1 Hiscox Insurance Payment schedule Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Thank you for continuing to pay for your policy by Direct Debit. Please check these details and let us know if anything is incorrect or if the schedule is not suitable. Your reference details Account holder name: Mrs Sandra 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 Tue 30 January, 2024 £4,371.35 Where your chosen collection date falls ona non-working day then we will endeavour to collect the next working day. For your information, the collections will be made using the following reference number: Originator Identification Number: 293461 Reference Number: njmdrlamce.tbytya_ 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, Elliott and Palmer Hiscox Underwriting 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:njmdrlamce.tbytya_ Name of policy holder:Osborne, Elliott and Palmer Period of insurance: From Thursday 04 April, 2019 to 2022-03-04 both days inclusive. This policy isa Continuing cover policy Insurer: Hiscox Insurance Company Limited Retroactive date: 09 February, 2023 Level of cover:£1,000,000 Signed on behalf of Hiscox Underwriting Limited as agent for the insurers Jon Dye CEO, Hiscox UK Notes: (a) This insurance is subject to policy terms and conditions and any special terms notified to the InsuredPage / 1 Hiscox Business Insurance Policy Schedule 14502 10/18 This schedule tells you what is insured with us. It should be read carefully with your policy wording(s) and statement of fact detailed elsewhere in this document. Schedule effective date: Thursday 04 April, 2019 Insurance details Policy number: njmdrlamce.tbytya_ Period of insurance: From Thursday 04 April, 2019 to 2022-03-04 both days inclusive. This policy isa Continuing cover policy. Insured: Osborne, Elliott and Palmer Address: Flat 09 Farrell garden South Karlport FARNHAM SM94 7UD Additional insureds: None Business: Management Consultants Premium details Charged premium – the total amount you’ll pay for this policy. Charged premium: £1,195.98 Insurance Premium Tax (IPT): £9,134.68 Total charged premium: £4,371.35 Annualised premium – the annual premium for this policy. This is given for comparison purposes. Please refer to the charged premium section for the amount you’ll pay for the policy. Annual premium: £1,195.98 Insurance Premium Tax (IPT): £9,134.68 Annual total: £4,371.35 Please note that there will be no refund or additional premium for any transaction which is less than £20 (excluding IPT). Hiscox Business Insurance Policy Schedule 14502 10/18 Summary Claims information If you need to make a claim: - For claims relating to your building or contents please contact our claims team on 0800 247 1902, 9.00am – 5:30pm Monday to Friday. If you wish to make a claim online, you can log most claims quickly and easily through our claims notification portal at https://claims.hiscox.co.uk/. Outside of normal business hours, if you require emergency assistance in relation to substantial damage to your property, you can speak to our 24-hour emergency assistance team using the telephone number above. Your policy schedule will state if property cover is included in your policy. Our out-of-hours emergency assistance team operate ona pay-and-claim basis and you will need to have credit card details available as appropriate. The team will then be able to direct you to essential tradesmen, emergency loss adjusters or disaster management companies in the event of substantial damage. - If there isa claim (or potential claim) against you bya third party, please email us at liability.claims@hiscox.com. If you need to speak to a member of the claims team urgently, please call our team on 0800 711 7156, 9.00am – 5:30pm Monday to Friday. If you wish to make a claim online, you can log most claims quickly and easily through our claims notification portal at https://claims.hiscox.co.uk/. You will need to provide your full name and contact details, the name of your business or organisation, your address and postcode, the policy reference and circumstances of the claim. The Important information and contact details section below contains additional information specific to the covers applicable to your policy. If you are unsure of who to contact please call our team on 0800 711 7156, 9.00am – 5:30pm Monday to Friday. They will ensure you get through to the correct claims team and let you know what actions you need to take. If anything happens that might be covered under the policy, you must comply with the obligations set out in General claims conditions, together with the obligations set out under Your obligations in the section or sections under which you are making the claim. Itis important that you read the policy for details of its terms in full. Your covers This isa summary of each section of your policy. See each section for cover details. Cover Insurance amount Excess Annual Premium (exc IPT) Professional indemnity £1,000,000 £1,000 £2,479.71 Legal protection £100,000 £0 £6,716.08 Crisis containment £25,000 - £0.00 The figures above are in summary only and are not in addition to the amount insured specified against each cover section below. Hiscox Business Insurance Policy Schedule 14502 10/18 SECTION: PROFESSIONAL INDEMNITY – MANAGEMENT CONSULTANTS Cover start date: Thursday 04 April, 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 09 February, 2023 Insurer Hiscox Insurance Company LimitedPage / 1 Hiscox Insurance Summary of change Introduction This document has been created to help you understand the key changes to your Hiscox Insurance policy and how they may impact you. Your policy continues to offer professional, tailored insurance to protect you and give you peace of mind that if you need us, you will be supported by our award winning claims team. If you have a query not covered by this document, or if you have any questions or concerns about your policy you should contact us. Frequently asked questions What if my circumstances change during the period of insurance? If your circumstances change during the period of insurance, you only need to let us know if the change means that any of the information in the Statement of Fact is no longer true, complete and accurate. If there are no such changes, you do not need to let us know. If any of the information within the Statement of Fact becomes no longer complete, true or accurate at any point during the period of insurance you must tell us as it may affect the validity of the policy or our ability to pay a claim. Additionally, if your contact details change then you should let us know straightaway. Where doI find the limits that apply to my policy? You can find your maximum allowable limits for turnover and wage rollin your Statement of Fact. You must check this information and tell us or your broker if you expect to exceed the maximum amounts shown. Please note these values may have changed. If there are special limits or special excesses applying to particular covers or types of losses these will be shown in the policy schedule. Please check your policy schedule carefully as they may have changed. My new schedule shows a different premium to last year? What has changed? If an underwriter has reviewed your policy then they may have manually adjusted your premium, for example if you’ve had claims in the last 12 months. Where doI find out about any endorsements on my policy? You will be able to see if an endorsement has been applied or removed by reviewing your Policy Schedule. If you have any queries or concerns, please contact us or your broker if you have one. Hiscox Insurance Summary of change Professional indemnity for business management consultants Summary of change Changes to the cover The following table shows the differences between our new policy wordings (5570 WD- PROF-UK-MAN(7), 15579 WD-PROF-UK-MAN-AG(3)) and our previous wordings (5570 WD-PROF-UK-MAN(6), 15579 WD-PROF-UK-MAN-AG(2)). This isa summary of the changes only. You should refer to the schedule and policy wording for the full description of the cover in place. Area of cover Previous policy New policy Improvement in cover Claims against you Advertising claims. We will pay claims arising from your advertising or branding for defamation or infringement of copyright or moral rights. This does not include claims for passing off, unauthorised use of trademarks or false or misleading advertising. Previously cover was not restricted to defamation or the infringement of copyright or moral rights.Covered Amended Your own lossesChanges to ‘what is covered’ Losses from dishonesty. Your losses arising from the dishonesty of your employees, sub-contractors or outsourcers.Covered Not covered Area of cover Previous policy New policy Improvement in cover Cyber incident. We will not pay claims relating to an actual or possible cyber attack, hacker or social engineering communication. Previously we excluded any virus not specifically targeted at your system.Covered Not covered Computer or digital technology error. We will not pay claims arising from any negligent act, error or omission in the operation or maintenance of computer or digital technology such as development, installation, patching or upgrading.Covered Not coveredChanges to ‘what is not covered’ Infrastructure. We will not pay claims arising from the failure of the service provided by internet, telecommunications, utilities or other infrastructure providers.Covered Not covered Hiscox Insurance Summary of change Personal data. We will not pay claims relating to personal data. We will pay such claims where they arise from your performance ofa business activity and which is not otherwise excluded. Subject to the limit shown in the schedule.Covered Not covered Other important changes Control of defence. Under the previous wording we had a duty to defend you against any covered claim brought against you. We now have the right but not the obligation to take control of the conduct of the claim including the appointment of legal representation. Please refer to the policy wording for full details. SOC-PROF-UK-MAN(1) 21367 01/21
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njmdrlamce.tbytya_
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(?<=Policy number - )[-\w_\/\.]+?(?= Company name)
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Thursday 04 April, 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 - X8FJ5GC/9X4.4ZCAWAWDT5F4 Company name: Hayward Ltd It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : X8FJ5GC/9X4.4ZCAWAWDT5F4. Company name: Hayward Ltd. Your Hiscox Insurance premium. Last year’s annual premium: This year’s annual premium. £ 746.97. £ 746.97. The premium includes all applicable insurance premium tax (IPT). Dear Ms Leigh Clayton. Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 28/06/22 . 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. £4,794.21. £4,794.21. Legal protection. £5,969.74. £5,969.74. 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 Hayward 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 28/06/22 . 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 : X8FJ5GC/9X4.4ZCAWAWDT5F4 Company name: Hayward Ltd . It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : X8FJ5GC/9X4.4ZCAWAWDT5F4 Company name: Hayward Ltd . Your Hiscox Insurance premium Last year’s annual premium: This year’s annual premium The premium includes all applicable insurance premium tax (IPT). £ 746.97 £ 746.97 . Your Hiscox Insurance premium . Last year’s annual premium: This year’s annual premium £ 746.97 £ 746.97 . The premium includes all applicable insurance premium tax (IPT). Dear Ms Leigh Clayton . Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 28/06/22 . 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 £4,794.21 £4,794.21 Legal protection £5,969.74 £5,969.74 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 Hayward 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 28/06/22 . 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 28/06/22 . 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 £4,794.21 £4,794.21 Legal protection £5,969.74 £5,969.74 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 Hayward 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 28/06/22 . 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) £4,794.21 £5,969.74 £0.00 . This year’s annual Premium (exc IPT) £4,794.21 £5,969.74 . Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) . Professional indemnity £4,794.21 £4,794.21 . Legal protection £5,969.74 £5,969.74 . 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: Leigh 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 Mon 01 February, 2021 £746.97 Where your chosen collection date falls ona non-working day then we will endeavour to collect the next working day. For your information, the collections will be made using the following reference number: Originator Identification Number: 293461 Reference Number: X8FJ5GC/9X4.4ZCAWAWDT5F4 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 Hayward 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:X8FJ5GC/9X4.4ZCAWAWDT5F4 Name of policy holder:Hayward Ltd Period of insurance: From 28/06/22 to 13/07/22 both days inclusive. This policy isa Continuing cover policy Insurer: Hiscox Insurance Company Limited Retroactive date: Fri 24 May, 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: 28/06/22 Insurance details Policy number: X8FJ5GC/9X4.4ZCAWAWDT5F4 Period of insurance: From 28/06/22 to 13/07/22 both days inclusive. This policy isa Continuing cover policy. Insured: Hayward Ltd Address: 427 Rose parkways North Mandymouth FARNHAM M4B 6DS Additional insureds: None Business: Management Consultants Premium details Charged premium – the total amount you’ll pay for this policy. Charged premium: £9,391.64 Insurance Premium Tax (IPT): £4,714.88 Total charged premium: £746.97 Annualised premium – the annual premium for this policy. This is given for comparison purposes. Please refer to the charged premium section for the amount you’ll pay for the policy. Annual premium: £9,391.64 Insurance Premium Tax (IPT): £4,714.88 Annual total: £746.97 Please note that there will be no refund or additional premium for any transaction which is less than £20 (excluding IPT). Hiscox Business Insurance Policy Schedule 14502 10/18 Summary Claims information If you need to make a claim: - For claims relating to your building or contents please contact our claims team on 0800 247 1902, 9.00am – 5:30pm Monday to Friday. If you wish to make a claim online, you can log most claims quickly and easily through our claims notification portal at https://claims.hiscox.co.uk/. Outside of normal business hours, if you require emergency assistance in relation to substantial damage to your property, you can speak to our 24-hour emergency assistance team using the telephone number above. Your policy schedule will state if property cover is included in your policy. Our out-of-hours emergency assistance team operate ona pay-and-claim basis and you will need to have credit card details available as appropriate. The team will then be able to direct you to essential tradesmen, emergency loss adjusters or disaster management companies in the event of substantial damage. - If there isa claim (or potential claim) against you bya third party, please email us at liability.claims@hiscox.com. If you need to speak to a member of the claims team urgently, please call our team on 0800 711 7156, 9.00am – 5:30pm Monday to Friday. If you wish to make a claim online, you can log most claims quickly and easily through our claims notification portal at https://claims.hiscox.co.uk/. You will need to provide your full name and contact details, the name of your business or organisation, your address and postcode, the policy reference and circumstances of the claim. The Important information and contact details section below contains additional information specific to the covers applicable to your policy. If you are unsure of who to contact please call our team on 0800 711 7156, 9.00am – 5:30pm Monday to Friday. They will ensure you get through to the correct claims team and let you know what actions you need to take. If anything happens that might be covered under the policy, you must comply with the obligations set out in General claims conditions, together with the obligations set out under Your obligations in the section or sections under which you are making the claim. Itis important that you read the policy for details of its terms in full. Your covers This isa summary of each section of your policy. See each section for cover details. Cover Insurance amount Excess Annual Premium (exc IPT) Professional indemnity £1,000,000 £1,000 £4,794.21 Legal protection £100,000 £0 £5,969.74 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: 28/06/22 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 Fri 24 May, 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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28/06/22
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Hiscox Business Insurance - Policy number - B.WB-QWE Company name: Palmer, Lewis and Richardson It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : B.WB-QWE. Company name: Palmer, Lewis and Richardson. Your Hiscox Insurance premium. Last year’s annual premium: This year’s annual premium. £ 5,479.47. £ 5,479.47. The premium includes all applicable insurance premium tax (IPT). Dear Ms Carly Price. Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on Mon 31 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. £406.46. £406.46. Legal protection. £9,746.40. £9,746.40. 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 Palmer, Lewis and Richardson , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay. . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover. Policy summary for each cover. ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover . As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before Mon 31 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 : B.WB-QWE Company name: Palmer, Lewis and Richardson . It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : B.WB-QWE Company name: Palmer, Lewis and Richardson . Your Hiscox Insurance premium Last year’s annual premium: This year’s annual premium The premium includes all applicable insurance premium tax (IPT). £ 5,479.47 £ 5,479.47 . Your Hiscox Insurance premium . Last year’s annual premium: This year’s annual premium £ 5,479.47 £ 5,479.47 . The premium includes all applicable insurance premium tax (IPT). Dear Ms Carly Price . Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on Mon 31 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 £406.46 £406.46 Legal protection £9,746.40 £9,746.40 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 Palmer, Lewis and Richardson , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover Policy summary for each cover ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before Mon 31 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 Mon 31 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 £406.46 £406.46 Legal protection £9,746.40 £9,746.40 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 Palmer, Lewis and Richardson , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover Policy summary for each cover ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before Mon 31 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) £406.46 £9,746.40 £0.00 . This year’s annual Premium (exc IPT) £406.46 £9,746.40 . Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) . Professional indemnity £406.46 £406.46 . Legal protection £9,746.40 £9,746.40 . 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: Carly 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 Wednesday 12 March, 2025 £5,479.47 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: B.WB-QWE 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 Palmer, Lewis and Richardson Hiscox Underwriting 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.WB-QWE Name of policy holder:Palmer, Lewis and Richardson Period of insurance: From Mon 31 March, 2025 to 12/11/2019 both days inclusive. This policy isa Continuing cover policy Insurer: Hiscox Insurance Company Limited Retroactive date: 10/11/19 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: Mon 31 March, 2025 Insurance details Policy number: B.WB-QWE Period of insurance: From Mon 31 March, 2025 to 12/11/2019 both days inclusive. This policy isa Continuing cover policy. Insured: Palmer, Lewis and Richardson Address: 95 Oliver square Lake Sam FARNHAM L96 2ZL Additional insureds: None Business: Management Consultants Premium details Charged premium – the total amount you’ll pay for this policy. Charged premium: £788.84 Insurance Premium Tax (IPT): £9,587.45 Total charged premium: £5,479.47 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: £788.84 Insurance Premium Tax (IPT): £9,587.45 Annual total: £5,479.47 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 £406.46 Legal protection £100,000 £0 £9,746.40 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: Mon 31 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 10/11/19 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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B.WB-QWE
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(?<=Policy number - )[-\w_\/\.]+?(?= Company name)
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Mon 31 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 - c.ffjknaas.yz Company name: Smith Ltd It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : c.ffjknaas.yz. Company name: Smith Ltd. Your Hiscox Insurance premium. Last year’s annual premium: This year’s annual premium. £ 8,455.72. £ 8,455.72. The premium includes all applicable insurance premium tax (IPT). Dear Dr Emma Lewis-Lewis. Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 2024-01-20 . 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. £8,664.98. £8,664.98. Legal protection. £5,084.84. £5,084.84. 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 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 2024-01-20 . 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 : c.ffjknaas.yz Company name: Smith Ltd . It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : c.ffjknaas.yz 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). £ 8,455.72 £ 8,455.72 . Your Hiscox Insurance premium . Last year’s annual premium: This year’s annual premium £ 8,455.72 £ 8,455.72 . The premium includes all applicable insurance premium tax (IPT). Dear Dr Emma Lewis-Lewis . Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 2024-01-20 . 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 £8,664.98 £8,664.98 Legal protection £5,084.84 £5,084.84 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 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 2024-01-20 . 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 2024-01-20 . 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 £8,664.98 £8,664.98 Legal protection £5,084.84 £5,084.84 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 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 2024-01-20 . 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) £8,664.98 £5,084.84 £0.00 . This year’s annual Premium (exc IPT) £8,664.98 £5,084.84 . Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) . Professional indemnity £8,664.98 £8,664.98 . Legal protection £5,084.84 £5,084.84 . 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: Emma Lewis-Lewis 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 2020-11-07 £8,455.72 Where your chosen collection date falls ona non-working day then we will endeavour to collect the next working day. For your information, the collections will be made using the following reference number: Originator Identification Number: 293461 Reference Number: c.ffjknaas.yz 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:c.ffjknaas.yz Name of policy holder:Smith Ltd Period of insurance: From 2024-01-20 to Thu 28 December, 2023 both days inclusive. This policy isa Continuing cover policy Insurer: Hiscox Insurance Company Limited Retroactive date: 17/01/22 Level of cover:£1,000,000 Signed on behalf of Hiscox Underwriting Limited as agent for the insurers Jon Dye CEO, Hiscox UK Notes: (a) This insurance is subject to policy terms and conditions and any special terms notified to the InsuredPage / 1 Hiscox Business Insurance Policy Schedule 14502 10/18 This schedule tells you what is insured with us. It should be read carefully with your policy wording(s) and statement of fact detailed elsewhere in this document. Schedule effective date: 2024-01-20 Insurance details Policy number: c.ffjknaas.yz Period of insurance: From 2024-01-20 to Thu 28 December, 2023 both days inclusive. This policy isa Continuing cover policy. Insured: Smith Ltd Address: Flat 46 Gallagher gateway Lake Dominic FARNHAM RG3E 5XP Additional insureds: None Business: Management Consultants Premium details Charged premium – the total amount you’ll pay for this policy. Charged premium: £7,691.88 Insurance Premium Tax (IPT): £239.32 Total charged premium: £8,455.72 Annualised premium – the annual premium for this policy. This is given for comparison purposes. Please refer to the charged premium section for the amount you’ll pay for the policy. Annual premium: £7,691.88 Insurance Premium Tax (IPT): £239.32 Annual total: £8,455.72 Please note that there will be no refund or additional premium for any transaction which is less than £20 (excluding IPT). Hiscox Business Insurance Policy Schedule 14502 10/18 Summary Claims information If you need to make a claim: - For claims relating to your building or contents please contact our claims team on 0800 247 1902, 9.00am – 5:30pm Monday to Friday. If you wish to make a claim online, you can log most claims quickly and easily through our claims notification portal at https://claims.hiscox.co.uk/. Outside of normal business hours, if you require emergency assistance in relation to substantial damage to your property, you can speak to our 24-hour emergency assistance team using the telephone number above. Your policy schedule will state if property cover is included in your policy. Our out-of-hours emergency assistance team operate ona pay-and-claim basis and you will need to have credit card details available as appropriate. The team will then be able to direct you to essential tradesmen, emergency loss adjusters or disaster management companies in the event of substantial damage. - If there isa claim (or potential claim) against you bya third party, please email us at liability.claims@hiscox.com. If you need to speak to a member of the claims team urgently, please call our team on 0800 711 7156, 9.00am – 5:30pm Monday to Friday. If you wish to make a claim online, you can log most claims quickly and easily through our claims notification portal at https://claims.hiscox.co.uk/. You will need to provide your full name and contact details, the name of your business or organisation, your address and postcode, the policy reference and circumstances of the claim. The Important information and contact details section below contains additional information specific to the covers applicable to your policy. If you are unsure of who to contact please call our team on 0800 711 7156, 9.00am – 5:30pm Monday to Friday. They will ensure you get through to the correct claims team and let you know what actions you need to take. If anything happens that might be covered under the policy, you must comply with the obligations set out in General claims conditions, together with the obligations set out under Your obligations in the section or sections under which you are making the claim. Itis important that you read the policy for details of its terms in full. Your covers This isa summary of each section of your policy. See each section for cover details. Cover Insurance amount Excess Annual Premium (exc IPT) Professional indemnity £1,000,000 £1,000 £8,664.98 Legal protection £100,000 £0 £5,084.84 Crisis containment £25,000 - £0.00 The figures above are in summary only and are not in addition to the amount insured specified against each cover section below. Hiscox Business Insurance Policy Schedule 14502 10/18 SECTION: PROFESSIONAL INDEMNITY – MANAGEMENT CONSULTANTS Cover start date: 2024-01-20 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 17/01/22 Insurer Hiscox Insurance Company LimitedPage / 1 Hiscox Insurance Summary of change Introduction This document has been created to help you understand the key changes to your Hiscox Insurance policy and how they may impact you. Your policy continues to offer professional, tailored insurance to protect you and give you peace of mind that if you need us, you will be supported by our award winning claims team. If you have a query not covered by this document, or if you have any questions or concerns about your policy you should contact us. Frequently asked questions What if my circumstances change during the period of insurance? If your circumstances change during the period of insurance, you only need to let us know if the change means that any of the information in the Statement of Fact is no longer true, complete and accurate. If there are no such changes, you do not need to let us know. If any of the information within the Statement of Fact becomes no longer complete, true or accurate at any point during the period of insurance you must tell us as it may affect the validity of the policy or our ability to pay a claim. Additionally, if your contact details change then you should let us know straightaway. Where doI find the limits that apply to my policy? You can find your maximum allowable limits for turnover and wage rollin your Statement of Fact. You must check this information and tell us or your broker if you expect to exceed the maximum amounts shown. Please note these values may have changed. If there are special limits or special excesses applying to particular covers or types of losses these will be shown in the policy schedule. Please check your policy schedule carefully as they may have changed. My new schedule shows a different premium to last year? What has changed? If an underwriter has reviewed your policy then they may have manually adjusted your premium, for example if you’ve had claims in the last 12 months. Where doI find out about any endorsements on my policy? You will be able to see if an endorsement has been applied or removed by reviewing your Policy Schedule. If you have any queries or concerns, please contact us or your broker if you have one. Hiscox Insurance Summary of change Professional indemnity for business management consultants Summary of change Changes to the cover The following table shows the differences between our new policy wordings (5570 WD- PROF-UK-MAN(7), 15579 WD-PROF-UK-MAN-AG(3)) and our previous wordings (5570 WD-PROF-UK-MAN(6), 15579 WD-PROF-UK-MAN-AG(2)). This isa summary of the changes only. You should refer to the schedule and policy wording for the full description of the cover in place. Area of cover Previous policy New policy Improvement in cover Claims against you Advertising claims. We will pay claims arising from your advertising or branding for defamation or infringement of copyright or moral rights. This does not include claims for passing off, unauthorised use of trademarks or false or misleading advertising. Previously cover was not restricted to defamation or the infringement of copyright or moral rights.Covered Amended Your own lossesChanges to ‘what is covered’ Losses from dishonesty. Your losses arising from the dishonesty of your employees, sub-contractors or outsourcers.Covered Not covered Area of cover Previous policy New policy Improvement in cover Cyber incident. We will not pay claims relating to an actual or possible cyber attack, hacker or social engineering communication. Previously we excluded any virus not specifically targeted at your system.Covered Not covered Computer or digital technology error. We will not pay claims arising from any negligent act, error or omission in the operation or maintenance of computer or digital technology such as development, installation, patching or upgrading.Covered Not coveredChanges to ‘what is not covered’ Infrastructure. We will not pay claims arising from the failure of the service provided by internet, telecommunications, utilities or other infrastructure providers.Covered Not covered Hiscox Insurance Summary of change Personal data. We will not pay claims relating to personal data. We will pay such claims where they arise from your performance ofa business activity and which is not otherwise excluded. Subject to the limit shown in the schedule.Covered Not covered Other important changes Control of defence. Under the previous wording we had a duty to defend you against any covered claim brought against you. We now have the right but not the obligation to take control of the conduct of the claim including the appointment of legal representation. Please refer to the policy wording for full details. SOC-PROF-UK-MAN(1) 21367 01/21
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c.ffjknaas.yz
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(?<=Policy number - )[-\w_\/\.]+?(?= Company name)
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2024-01-20
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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 - TAQZMRA09KLPT43OAY Company name: Ryan Ltd It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : TAQZMRA09KLPT43OAY. Company name: Ryan Ltd. Your Hiscox Insurance premium. Last year’s annual premium: This year’s annual premium. £ 3,945.48. £ 3,945.48. The premium includes all applicable insurance premium tax (IPT). Dear Dr Declan Davies. Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 02/09/19 . 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. £393.23. £393.23. Legal protection. £7,834.96. £7,834.96. 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 Ryan 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 02/09/19 . 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 : TAQZMRA09KLPT43OAY Company name: Ryan Ltd . It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : TAQZMRA09KLPT43OAY Company name: Ryan Ltd . Your Hiscox Insurance premium Last year’s annual premium: This year’s annual premium The premium includes all applicable insurance premium tax (IPT). £ 3,945.48 £ 3,945.48 . Your Hiscox Insurance premium . Last year’s annual premium: This year’s annual premium £ 3,945.48 £ 3,945.48 . The premium includes all applicable insurance premium tax (IPT). Dear Dr Declan Davies . Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 02/09/19 . 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 £393.23 £393.23 Legal protection £7,834.96 £7,834.96 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 Ryan 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 02/09/19 . 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 02/09/19 . 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 £393.23 £393.23 Legal protection £7,834.96 £7,834.96 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 Ryan 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 02/09/19 . 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) £393.23 £7,834.96 £0.00 . This year’s annual Premium (exc IPT) £393.23 £7,834.96 . Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) . Professional indemnity £393.23 £393.23 . Legal protection £7,834.96 £7,834.96 . 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: Declan 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 Saturday 17 April, 2021 £3,945.48 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: TAQZMRA09KLPT43OAY 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 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:TAQZMRA09KLPT43OAY Name of policy holder:Ryan Ltd Period of insurance: From 02/09/19 to 12 January, 2025 both days inclusive. This policy isa Continuing cover policy Insurer: Hiscox Insurance Company Limited Retroactive date: 02/01/2025 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: 02/09/19 Insurance details Policy number: TAQZMRA09KLPT43OAY Period of insurance: From 02/09/19 to 12 January, 2025 both days inclusive. This policy isa Continuing cover policy. Insured: Ryan Ltd Address: 464 Lynda dam Port Terenceville FARNHAM E27 5UH Additional insureds: None Business: Management Consultants Premium details Charged premium – the total amount you’ll pay for this policy. Charged premium: £7,388.08 Insurance Premium Tax (IPT): £8,857.99 Total charged premium: £3,945.48 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: £7,388.08 Insurance Premium Tax (IPT): £8,857.99 Annual total: £3,945.48 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 £393.23 Legal protection £100,000 £0 £7,834.96 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: 02/09/19 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 02/01/2025 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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TAQZMRA09KLPT43OAY
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(?<=Policy number - )[-\w_\/\.]+?(?= Company name)
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02/09/19
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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 - k.-a-vq-bd Company name: Shaw, Barry and Wilson It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : k.-a-vq-bd. Company name: Shaw, Barry and Wilson. Your Hiscox Insurance premium. Last year’s annual premium: This year’s annual premium. £ 7,490.75. £ 7,490.75. The premium includes all applicable insurance premium tax (IPT). Dear Dr Lawrence Brown. Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on Sat 03 February, 2024 . Good news; if you want cover to continue with us and to make sure you stay protected by our award-winning cover, you do not need to do anything. We will update your policy onto our latest wording and continue to collect payment using the payment details we have for you. You must read the important information contained in this email and the attached documents. Your Hiscox Insurance Premium breakdown. The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). The amount shown as last year’s Annual premium will take into account any changes to the cover which may have been made during the last policy period. Cover. Last year’s annual premium (exc IPT). This year’s annual Premium (exc IPT). Professional indemnity. £6,093.39. £6,093.39. Legal protection. £110.66. £110.66. 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 Shaw, Barry 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 Sat 03 February, 2024 . We’re here between 8:30am - 5:30pm Monday to Friday . Please note that we can only discuss policy changes with people named on the policy. Why renew with Hiscox. - Reassuring: we offer a range of cover options that can be tailored to your needs. - Flexible: we offer full flexibility to change your policy, with no administration fees . - Award-winning cover : we’ve been named Best Small Business Insurer 7 years running by Start Your Business Magazine . Please click this link for the Hiscox Referral Portal: https://refer.aklamio.com/hiscox/uk?source=postpurchase. Thank you again for choosing Hiscox to insure your business. We hope you and your business have a very successful year. Kind regards. Jon Dye. CEO, Hiscox UK. Business Insurance for the small and the brave. To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre. Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. This email and any files transmitted with it are confidential and intended solely for the use of the individual or entity to whom they are addressed. No one else is authorised to distribute, forward, print, copy or act upon any information contained in this email. If you have received this email in error, please notify the sender. Hiscox Syndicates Limited and Hiscox Insurance Company Limited are authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Hiscox Underwriting Limited, Hiscox Underwriting Services Ltd, Hiscox MGA Ltd and Hiscox ASM Ltd are authorised and regulated by the Financial Conduct Authority. Hiscox Assure SAS is duly registered as an insurance broker with the ORIAS, which is the French Official Registry of Insurance Intermediaries. Hiscox plc is a company registered in England and Wales under company registration number 2837811 and registered office at 1 Great St Helen's, London EC3A 6HX. Hiscox SA is a company registered in Luxembourg at 35 Avenue John F. Kennedy 35F, Luxembourg L-1855, and is authorised by the Commissariat aux Assurances de Luxembourg. It’s time to renew your Hiscox Business Insurance Hiscox Insurance policy number : k.-a-vq-bd Company name: Shaw, Barry and Wilson . It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : k.-a-vq-bd Company name: Shaw, Barry 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). £ 7,490.75 £ 7,490.75 . Your Hiscox Insurance premium . Last year’s annual premium: This year’s annual premium £ 7,490.75 £ 7,490.75 . The premium includes all applicable insurance premium tax (IPT). Dear Dr Lawrence Brown . Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on Sat 03 February, 2024 . Good news; if you want cover to continue with us and to make sure you stay protected by our award-winning cover, you do not need to do anything. We will update your policy onto our latest wording and continue to collect payment using the payment details we have for you. You must read the important information contained in this email and the attached documents Your Hiscox Insurance Premium breakdown The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). The amount shown as last year’s Annual premium will take into account any changes to the cover which may have been made during the last policy period. Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) Professional indemnity £6,093.39 £6,093.39 Legal protection £110.66 £110.66 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 Shaw, Barry 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 Sat 03 February, 2024 . We’re here between 8:30am - 5:30pm Monday to Friday . Please note that we can only discuss policy changes with people named on the policy. Why renew with Hiscox - Reassuring: we offer a range of cover options that can be tailored to your needs - Flexible: we offer full flexibility to change your policy, with no administration fees - Award-winning cover : we’ve been named Best Small Business Insurer 7 years running by Start Your Business Magazine Please click this link for the Hiscox Referral Portal: https://refer.aklamio.com/hiscox/uk?source=postpurchase Thank you again for choosing Hiscox to insure your business. We hope you and your business have a very successful year. Kind regards Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on Sat 03 February, 2024 . Good news; if you want cover to continue with us and to make sure you stay protected by our award-winning cover, you do not need to do anything. We will update your policy onto our latest wording and continue to collect payment using the payment details we have for you. You must read the important information contained in this email and the attached documents Your Hiscox Insurance Premium breakdown The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). The amount shown as last year’s Annual premium will take into account any changes to the cover which may have been made during the last policy period. Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) Professional indemnity £6,093.39 £6,093.39 Legal protection £110.66 £110.66 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 Shaw, Barry 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 Sat 03 February, 2024 . We’re here between 8:30am - 5:30pm Monday to Friday . Please note that we can only discuss policy changes with people named on the policy. Why renew with Hiscox - Reassuring: we offer a range of cover options that can be tailored to your needs - Flexible: we offer full flexibility to change your policy, with no administration fees - Award-winning cover : we’ve been named Best Small Business Insurer 7 years running by Start Your Business Magazine Please click this link for the Hiscox Referral Portal: https://refer.aklamio.com/hiscox/uk?source=postpurchase Thank you again for choosing Hiscox to insure your business. We hope you and your business have a very successful year. Kind regards Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Your Hiscox Insurance Premium breakdown The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). Cover Professional indemnity Legal protection Crisis containment . Last year’s annual premium (exc IPT) £6,093.39 £110.66 £0.00 . This year’s annual Premium (exc IPT) £6,093.39 £110.66 . Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) . Professional indemnity £6,093.39 £6,093.39 . Legal protection £110.66 £110.66 . 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: Lawrence Brown Frequency of collection: Annual Sort code: %BANK_SORT_CODE_1% Account number: %BANK_ACCOUNT_NUMBER_1% Your Direct Debit schedule We will take payments on the dates outlined below: Date Amount 2024-09-13 £7,490.75 Where your chosen collection date falls ona non-working day then we will endeavour to collect the next working day. For your information, the collections will be made using the following reference number: Originator Identification Number: 293461 Reference Number: k.-a-vq-bd 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, Barry 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:k.-a-vq-bd Name of policy holder:Shaw, Barry and Wilson Period of insurance: From Sat 03 February, 2024 to Mon 24 February, 2020 both days inclusive. This policy isa Continuing cover policy Insurer: Hiscox Insurance Company Limited Retroactive date: Fri 21 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: Sat 03 February, 2024 Insurance details Policy number: k.-a-vq-bd Period of insurance: From Sat 03 February, 2024 to Mon 24 February, 2020 both days inclusive. This policy isa Continuing cover policy. Insured: Shaw, Barry and Wilson Address: 0 Gilbert crossing Aimeemouth FARNHAM EH8 2LT Additional insureds: None Business: Management Consultants Premium details Charged premium – the total amount you’ll pay for this policy. Charged premium: £1,796.52 Insurance Premium Tax (IPT): £6,799.90 Total charged premium: £7,490.75 Annualised premium – the annual premium for this policy. This is given for comparison purposes. Please refer to the charged premium section for the amount you’ll pay for the policy. Annual premium: £1,796.52 Insurance Premium Tax (IPT): £6,799.90 Annual total: £7,490.75 Please note that there will be no refund or additional premium for any transaction which is less than £20 (excluding IPT). Hiscox Business Insurance Policy Schedule 14502 10/18 Summary Claims information If you need to make a claim: - For claims relating to your building or contents please contact our claims team on 0800 247 1902, 9.00am – 5:30pm Monday to Friday. If you wish to make a claim online, you can log most claims quickly and easily through our claims notification portal at https://claims.hiscox.co.uk/. Outside of normal business hours, if you require emergency assistance in relation to substantial damage to your property, you can speak to our 24-hour emergency assistance team using the telephone number above. Your policy schedule will state if property cover is included in your policy. Our out-of-hours emergency assistance team operate ona pay-and-claim basis and you will need to have credit card details available as appropriate. The team will then be able to direct you to essential tradesmen, emergency loss adjusters or disaster management companies in the event of substantial damage. - If there isa claim (or potential claim) against you bya third party, please email us at liability.claims@hiscox.com. If you need to speak to a member of the claims team urgently, please call our team on 0800 711 7156, 9.00am – 5:30pm Monday to Friday. If you wish to make a claim online, you can log most claims quickly and easily through our claims notification portal at https://claims.hiscox.co.uk/. You will need to provide your full name and contact details, the name of your business or organisation, your address and postcode, the policy reference and circumstances of the claim. The Important information and contact details section below contains additional information specific to the covers applicable to your policy. If you are unsure of who to contact please call our team on 0800 711 7156, 9.00am – 5:30pm Monday to Friday. They will ensure you get through to the correct claims team and let you know what actions you need to take. If anything happens that might be covered under the policy, you must comply with the obligations set out in General claims conditions, together with the obligations set out under Your obligations in the section or sections under which you are making the claim. Itis important that you read the policy for details of its terms in full. Your covers This isa summary of each section of your policy. See each section for cover details. Cover Insurance amount Excess Annual Premium (exc IPT) Professional indemnity £1,000,000 £1,000 £6,093.39 Legal protection £100,000 £0 £110.66 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: Sat 03 February, 2024 Limit of indemnity £1,000,000 Limit applies to in the aggregate, including all costs Excess £1,000 Excess applies to each and every claim or loss, including all costs Geographical limits Worldwide Applicable courts Worldwide (excluding United States of America and Canada) Claims brought in USA or Canada Not covered Additional covers (in addition to overall limit of indemnity stated above) Cover Limit of indemnity Limit applies to Court attendance compensation - employees £250 per person, per day Court attendance compensation - directors and partners£500 per person, per day Court attendance compensation: in total £100,000 in the aggregate Special limits (included within not in addition to the overall limit of indemnity stated above) Cover Limit of indemnity Limit applies to Personal data claims £250,000 in the aggregate, including all costs Business activities Business managementPage / 2 consultant Retroactive date Fri 21 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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k.-a-vq-bd
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(?<=Policy number - )[-\w_\/\.]+?(?= Company name)
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Sat 03 February, 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 - djstlgdn Company name: Morley-Miller It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : djstlgdn. Company name: Morley-Miller. Your Hiscox Insurance premium. Last year’s annual premium: This year’s annual premium. £ 8,768.34. £ 8,768.34. The premium includes all applicable insurance premium tax (IPT). Dear Mr Mr Mitchell Jones. Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on Thu 12 November, 2020 . Good news; if you want cover to continue with us and to make sure you stay protected by our award-winning cover, you do not need to do anything. We will update your policy onto our latest wording and continue to collect payment using the payment details we have for you. You must read the important information contained in this email and the attached documents. Your Hiscox Insurance Premium breakdown. The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). The amount shown as last year’s Annual premium will take into account any changes to the cover which may have been made during the last policy period. Cover. Last year’s annual premium (exc IPT). This year’s annual Premium (exc IPT). Professional indemnity. £5,226.72. £5,226.72. Legal protection. £9,036.64. £9,036.64. Crisis containment. £0.00. Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy . Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government increase in Insurance Premium Tax as shown. Is our information correct? Your premium and cover are based on what you’ve told us about Morley-Miller , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay. . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover. Policy summary for each cover. ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover . As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, 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 12 November, 2020 . We’re here between 8:30am - 5:30pm Monday to Friday . Please note that we can only discuss policy changes with people named on the policy. Why renew with Hiscox. - Reassuring: we offer a range of cover options that can be tailored to your needs. - Flexible: we offer full flexibility to change your policy, with no administration fees . - Award-winning cover : we’ve been named Best Small Business Insurer 7 years running by Start Your Business Magazine . Please click this link for the Hiscox Referral Portal: https://refer.aklamio.com/hiscox/uk?source=postpurchase. Thank you again for choosing Hiscox to insure your business. We hope you and your business have a very successful year. Kind regards. Jon Dye. CEO, Hiscox UK. Business Insurance for the small and the brave. To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre. Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. This email and any files transmitted with it are confidential and intended solely for the use of the individual or entity to whom they are addressed. No one else is authorised to distribute, forward, print, copy or act upon any information contained in this email. If you have received this email in error, please notify the sender. Hiscox Syndicates Limited and Hiscox Insurance Company Limited are authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Hiscox Underwriting Limited, Hiscox Underwriting Services Ltd, Hiscox MGA Ltd and Hiscox ASM Ltd are authorised and regulated by the Financial Conduct Authority. Hiscox Assure SAS is duly registered as an insurance broker with the ORIAS, which is the French Official Registry of Insurance Intermediaries. Hiscox plc is a company registered in England and Wales under company registration number 2837811 and registered office at 1 Great St Helen's, London EC3A 6HX. Hiscox SA is a company registered in Luxembourg at 35 Avenue John F. Kennedy 35F, Luxembourg L-1855, and is authorised by the Commissariat aux Assurances de Luxembourg. It’s time to renew your Hiscox Business Insurance Hiscox Insurance policy number : djstlgdn Company name: Morley-Miller . It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : djstlgdn Company name: Morley-Miller . Your Hiscox Insurance premium Last year’s annual premium: This year’s annual premium The premium includes all applicable insurance premium tax (IPT). £ 8,768.34 £ 8,768.34 . Your Hiscox Insurance premium . Last year’s annual premium: This year’s annual premium £ 8,768.34 £ 8,768.34 . The premium includes all applicable insurance premium tax (IPT). Dear Mr Mr Mitchell Jones . Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on Thu 12 November, 2020 . Good news; if you want cover to continue with us and to make sure you stay protected by our award-winning cover, you do not need to do anything. We will update your policy onto our latest wording and continue to collect payment using the payment details we have for you. You must read the important information contained in this email and the attached documents Your Hiscox Insurance Premium breakdown The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). The amount shown as last year’s Annual premium will take into account any changes to the cover which may have been made during the last policy period. Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) Professional indemnity £5,226.72 £5,226.72 Legal protection £9,036.64 £9,036.64 Crisis containment £0.00 Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government increase in Insurance Premium Tax as shown. Is our information correct? Your premium and cover are based on what you’ve told us about Morley-Miller , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover Policy summary for each cover ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, 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 12 November, 2020 . We’re here between 8:30am - 5:30pm Monday to Friday . Please note that we can only discuss policy changes with people named on the policy. Why renew with Hiscox - Reassuring: we offer a range of cover options that can be tailored to your needs - Flexible: we offer full flexibility to change your policy, with no administration fees - Award-winning cover : we’ve been named Best Small Business Insurer 7 years running by Start Your Business Magazine Please click this link for the Hiscox Referral Portal: https://refer.aklamio.com/hiscox/uk?source=postpurchase Thank you again for choosing Hiscox to insure your business. We hope you and your business have a very successful year. Kind regards Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on Thu 12 November, 2020 . Good news; if you want cover to continue with us and to make sure you stay protected by our award-winning cover, you do not need to do anything. We will update your policy onto our latest wording and continue to collect payment using the payment details we have for you. You must read the important information contained in this email and the attached documents Your Hiscox Insurance Premium breakdown The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). The amount shown as last year’s Annual premium will take into account any changes to the cover which may have been made during the last policy period. Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) Professional indemnity £5,226.72 £5,226.72 Legal protection £9,036.64 £9,036.64 Crisis containment £0.00 Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government increase in Insurance Premium Tax as shown. Is our information correct? Your premium and cover are based on what you’ve told us about Morley-Miller , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover Policy summary for each cover ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, 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 12 November, 2020 . We’re here between 8:30am - 5:30pm Monday to Friday . Please note that we can only discuss policy changes with people named on the policy. Why renew with Hiscox - Reassuring: we offer a range of cover options that can be tailored to your needs - Flexible: we offer full flexibility to change your policy, with no administration fees - Award-winning cover : we’ve been named Best Small Business Insurer 7 years running by Start Your Business Magazine Please click this link for the Hiscox Referral Portal: https://refer.aklamio.com/hiscox/uk?source=postpurchase Thank you again for choosing Hiscox to insure your business. We hope you and your business have a very successful year. Kind regards Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Your Hiscox Insurance Premium breakdown The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). Cover Professional indemnity Legal protection Crisis containment . Last year’s annual premium (exc IPT) £5,226.72 £9,036.64 £0.00 . This year’s annual Premium (exc IPT) £5,226.72 £9,036.64 . Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) . Professional indemnity £5,226.72 £5,226.72 . Legal protection £9,036.64 £9,036.64 . Crisis containment £0.00 . Kind regards Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre . Kind regards . Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave . To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre . Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Page / 1 Hiscox Business Insurance Policy wording 17431a - DC565 WORDING 04/17Guide to sectionsIntroduction Policy wordings General terms and conditions Professional indemnity for business management consultants Legal protection Crisis containment Hiscox Business Insurance Policy wording 17431a - DC565 WORDING 04/17IntroductionThank you for choosing Hiscox to protect your business. We hope that the language and layout of this policy wording are clear because we want you to understand the insurance we provide as well as the responsibilities we have to each other. Please read this document, including the policy schedule, policy summary and statement of fact, and let us know as soon as possible if any of the details are shown incorrectly. We always try to deliver to the highest standards of service. Your views are important to us, so if you feel that our service is below the standard you would expect from Hiscox, please contact us on the phone number shown in your policy schedule. Please note that some of the words we use in this insurance are shown in bold type. These words are defined in each section of the wording. Page / 1 Hiscox Insurance Payment schedule Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Thank you for continuing to pay for your policy by Direct Debit. Please check these details and let us know if anything is incorrect or if the schedule is not suitable. Your reference details Account holder name: Mr Mitchell 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 2022-10-24 £8,768.34 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: djstlgdn If you have any questions about your policy or payments, please call us on 0800 280 0351. We’re here between 8:30am - 5:30pm Monday to Friday or you can email us at service@hiscox.co.uk. Using your personal information Hiscox isa trading name ofa number of Hiscox companies. The specific company acting asa data controller of your personal information will be listed in the documentation we provide to you. If you are unsure you can also contact us at anytime by telephoning 01904 681198 or by emailing us at dataprotectionofficer@hiscox.com. We collect and process information about you in order to provide insurance policies and to process claims. Your information is also used for business purposes such as fraud prevention and detection and financial management. This may involve sharing your information with, and obtaining information about you from, our group companies and third parties such as brokers, loss adjusters, credit reference agencies, service providers, professional advisors, our regulators or fraud prevention agencies. We may record telephone calls to help us monitor and improve the service we provide. For further information on how your information is used and your rights in relation to your information please see our privacy policy at www.hiscox.co.uk/cookies-privacy. The Direct Debit Guarantee This Guarantee is offered by all banks and building societies that accept instructions to pay Direct Debits. If there are any changes to the amount, date or frequency of your Direct Debit Hiscox Underwriting Ltd will notify you ten working days in advance of your account being debited or as otherwise agreed. If you request Hiscox Underwriting Ltd to collect a payment, confirmation of the amount and date will be given to you at the time of the request. If an error is made in the payment of your Direct Debit by Hiscox Underwriting Ltd or your bank or building society you are entitled to a full and immediate refund of the amount paid from your bank or building society. – If you receive a refund you are not entitled to, you must pay it back when Hiscox Underwriting Ltd asks you to. You can cancel a Direct Debit at anytime by simply contacting your bank or building society. Written confirmation maybe required. Please also notify us. Page / 1 Hiscox Business Insurance Policy summary JAC-PSC-UK-DC556(5.4) 17431b 07/20 Your Hiscox Business Insurance policy summaries This document contains the summaries for any policy covers you have selected to protect your business. These summaries outline the key information about your policies so you can be confident that you have understood what you have bought and what you are covered for. However, you should carefully read your policy in full and ensure that you understand its terms and conditions in full. If you have any queries, you should contact Hiscox or your insurance advisor. Your side of the bargain Remember, your premium and insurance are based on the details you have provided to us. Please make sure this information accurately reflects your business and that you inform us immediately if anything needs to change. Please also tell us of any changes in circumstances that may affect the services provided by us or the cover provided by your policy. This is particularly important before taking out a policy, but it also applies throughout the life of the policy too. You need to consider: ■if you fail to fairly present the risk to us, including by failing to disclose any information material to the insurance, you could invalidate the policy, claims may not be paid or the amount we pay maybe reduced; ■you should read and check all insurance documents to ensure that you are aware of the cover, limits and other terms that apply; ■if you fail to let us know of any changes to your circumstances during the period of insurance or, if when telling us about such changes you fail to present the risk to us fairly, you could invalidate the policy, claims may not be paid or the amount we pay maybe reduced; ■please be aware of all terms and conditions of your policy because failure to comply with them could invalidate it or result in us not paying a claim or reducing the amount we pay; ■in the event ofa claim, you should take note of the required procedures, such as giving Hiscox prompt notice of the claims, as stated in the policy documentation. In particular, if you fail to notify us when you first become aware ofa shortcoming, fact, or problem, admit you are liable for what has happened or appoint solicitors or other legal representation without our prior written approval, claims or defence costs may not be paid or the amount we pay maybe reduced; ■as with any insurance, you have an obligation to take reasonable steps to mitigate any loss or liability; ■if you make a fraudulent claim or try to deceive us, we may terminate the policy. Policy length The period of insurance is shown on your policy schedule. Your policy schedule will also show if the policy is ona continuing cover basis. If itis ona continuing cover basis, we will renew your policy each year for another 12 months and continue to take payment (including any premium adjustment shown in your renewal invitation) using your existing arrangement, unless you tell us otherwise or if your risk changes. If your policy schedule does not show that the policy is ona continuing cover basis, cover will cease at the end of the period of insurance, unless you renew your policy with us. We will provide you witha statement of fact each year and provided that the information contained within the statement of fact is true, complete and accurate, you do not need to provide us with any further information. If any of the information in your statement of fact is not true, complete and accurate, you must let us know. If you do not let us know, it may affect the validity of the policy or our ability to pay a claim. Retroactive dates, geographical and jurisdiction limits Where any section of your policy schedule includes a retroactive date, we will not make any payment for any claim or loss under that section which arises from any activity performed or any act, incident or occurrence taking place, before the retroactive date. Where any section of your policy schedule shows the geographical limits which apply to that section of the policy, we will only pay for claims and losses under that section which arise from activities performed or acts, incidents or occurrences taking place within those geographical limits. Where any section provides cover in respect of your liability to third parties, we will only cover claims first made ina country within the applicable courts stated in that section of your policy schedule. Hiscox Business Insurance Policy summary JAC-PSC-UK-DC556(5.4) 17431b 07/20 Cancellation rights You can cancel this policy by giving us 30 days' notice. You will only be charged for the premiums due up to the date of cancellation. If we need to cancel the policy, we’ll give you 30 days’ notice in writing and refund any surplus premiums you might have paid. Please note – we may deduct an administration fee from any refunded payment.There is an exception to our 30-day notice period, which is triggered when we don’t receive your Direct Debit payments within the agreed 14-day period. At this point, we will contact you as soon as possible and stop the policyPage / 2 immediately. Underwritten by:Hiscox Underwriting Ltd on behalf of the insurers named in the schedule. Page / 1 Certificate of professional indemnity insurance Morley-Miller Hiscox Underwriting 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:djstlgdn Name of policy holder:Morley-Miller Period of insurance: From Thu 12 November, 2020 to 2025-09-06 both days inclusive. This policy isa Continuing cover policy Insurer: Hiscox Insurance Company Limited Retroactive date: 24/08/19 Level of cover:£1,000,000 Signed on behalf of Hiscox Underwriting Limited as agent for the insurers Jon Dye CEO, Hiscox UK Notes: (a) This insurance is subject to policy terms and conditions and any special terms notified to the InsuredPage / 1 Hiscox Business Insurance Policy Schedule 14502 10/18 This schedule tells you what is insured with us. It should be read carefully with your policy wording(s) and statement of fact detailed elsewhere in this document. Schedule effective date: Thu 12 November, 2020 Insurance details Policy number: djstlgdn Period of insurance: From Thu 12 November, 2020 to 2025-09-06 both days inclusive. This policy isa Continuing cover policy. Insured: Morley-Miller Address: Studio 70l Jay mission Melissatown FARNHAM M42 5JU Additional insureds: None Business: Management Consultants Premium details Charged premium – the total amount you’ll pay for this policy. Charged premium: £8,918.04 Insurance Premium Tax (IPT): £8,768.00 Total charged premium: £8,768.34 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: £8,918.04 Insurance Premium Tax (IPT): £8,768.00 Annual total: £8,768.34 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 £5,226.72 Legal protection £100,000 £0 £9,036.64 Crisis containment £25,000 - £0.00 The figures above are in summary only and are not in addition to the amount insured specified against each cover section below. Hiscox Business Insurance Policy Schedule 14502 10/18 SECTION: PROFESSIONAL INDEMNITY – MANAGEMENT CONSULTANTS Cover start date: Thu 12 November, 2020 Limit of indemnity £1,000,000 Limit applies to in the aggregate, including all costs Excess £1,000 Excess applies to each and every claim or loss, including all costs Geographical limits Worldwide Applicable courts Worldwide (excluding United States of America and Canada) Claims brought in USA or Canada Not covered Additional covers (in addition to overall limit of indemnity stated above) Cover Limit of indemnity Limit applies to Court attendance compensation - employees £250 per person, per day Court attendance compensation - directors and partners£500 per person, per day Court attendance compensation: in total £100,000 in the aggregate Special limits (included within not in addition to the overall limit of indemnity stated above) Cover Limit of indemnity Limit applies to Personal data claims £250,000 in the aggregate, including all costs Business activities Business managementPage / 2 consultant Retroactive date 24/08/19 Insurer Hiscox Insurance Company LimitedPage / 1 Hiscox Insurance Summary of change Introduction This document has been created to help you understand the key changes to your Hiscox Insurance policy and how they may impact you. Your policy continues to offer professional, tailored insurance to protect you and give you peace of mind that if you need us, you will be supported by our award winning claims team. If you have a query not covered by this document, or if you have any questions or concerns about your policy you should contact us. Frequently asked questions What if my circumstances change during the period of insurance? If your circumstances change during the period of insurance, you only need to let us know if the change means that any of the information in the Statement of Fact is no longer true, complete and accurate. If there are no such changes, you do not need to let us know. If any of the information within the Statement of Fact becomes no longer complete, true or accurate at any point during the period of insurance you must tell us as it may affect the validity of the policy or our ability to pay a claim. Additionally, if your contact details change then you should let us know straightaway. Where doI find the limits that apply to my policy? You can find your maximum allowable limits for turnover and wage rollin your Statement of Fact. You must check this information and tell us or your broker if you expect to exceed the maximum amounts shown. Please note these values may have changed. If there are special limits or special excesses applying to particular covers or types of losses these will be shown in the policy schedule. Please check your policy schedule carefully as they may have changed. My new schedule shows a different premium to last year? What has changed? If an underwriter has reviewed your policy then they may have manually adjusted your premium, for example if you’ve had claims in the last 12 months. Where doI find out about any endorsements on my policy? You will be able to see if an endorsement has been applied or removed by reviewing your Policy Schedule. If you have any queries or concerns, please contact us or your broker if you have one. Hiscox Insurance Summary of change Professional indemnity for business management consultants Summary of change Changes to the cover The following table shows the differences between our new policy wordings (5570 WD- PROF-UK-MAN(7), 15579 WD-PROF-UK-MAN-AG(3)) and our previous wordings (5570 WD-PROF-UK-MAN(6), 15579 WD-PROF-UK-MAN-AG(2)). This isa summary of the changes only. You should refer to the schedule and policy wording for the full description of the cover in place. Area of cover Previous policy New policy Improvement in cover Claims against you Advertising claims. We will pay claims arising from your advertising or branding for defamation or infringement of copyright or moral rights. This does not include claims for passing off, unauthorised use of trademarks or false or misleading advertising. Previously cover was not restricted to defamation or the infringement of copyright or moral rights.Covered Amended Your own lossesChanges to ‘what is covered’ Losses from dishonesty. Your losses arising from the dishonesty of your employees, sub-contractors or outsourcers.Covered Not covered Area of cover Previous policy New policy Improvement in cover Cyber incident. We will not pay claims relating to an actual or possible cyber attack, hacker or social engineering communication. Previously we excluded any virus not specifically targeted at your system.Covered Not covered Computer or digital technology error. We will not pay claims arising from any negligent act, error or omission in the operation or maintenance of computer or digital technology such as development, installation, patching or upgrading.Covered Not coveredChanges to ‘what is not covered’ Infrastructure. We will not pay claims arising from the failure of the service provided by internet, telecommunications, utilities or other infrastructure providers.Covered Not covered Hiscox Insurance Summary of change Personal data. We will not pay claims relating to personal data. We will pay such claims where they arise from your performance ofa business activity and which is not otherwise excluded. Subject to the limit shown in the schedule.Covered Not covered Other important changes Control of defence. Under the previous wording we had a duty to defend you against any covered claim brought against you. We now have the right but not the obligation to take control of the conduct of the claim including the appointment of legal representation. Please refer to the policy wording for full details. SOC-PROF-UK-MAN(1) 21367 01/21
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djstlgdn
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(?<=Policy number - )[-\w_\/\.]+?(?= Company name)
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Thu 12 November, 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 - MO/KE_SJ Company name: Clarke Inc It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : MO/KE_SJ. Company name: Clarke Inc. Your Hiscox Insurance premium. Last year’s annual premium: This year’s annual premium. £ 7,935.47. £ 7,935.47. The premium includes all applicable insurance premium tax (IPT). Dear Miss Callum Reed. Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 07 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. £4,366.16. £4,366.16. Legal protection. £9,203.23. £9,203.23. 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 Clarke 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 07 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 : MO/KE_SJ Company name: Clarke Inc . It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : MO/KE_SJ Company name: Clarke Inc . Your Hiscox Insurance premium Last year’s annual premium: This year’s annual premium The premium includes all applicable insurance premium tax (IPT). £ 7,935.47 £ 7,935.47 . Your Hiscox Insurance premium . Last year’s annual premium: This year’s annual premium £ 7,935.47 £ 7,935.47 . The premium includes all applicable insurance premium tax (IPT). Dear Miss Callum Reed . Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 07 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 £4,366.16 £4,366.16 Legal protection £9,203.23 £9,203.23 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 Clarke 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 07 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 07 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 £4,366.16 £4,366.16 Legal protection £9,203.23 £9,203.23 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 Clarke 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 07 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) £4,366.16 £9,203.23 £0.00 . This year’s annual Premium (exc IPT) £4,366.16 £9,203.23 . Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) . Professional indemnity £4,366.16 £4,366.16 . Legal protection £9,203.23 £9,203.23 . 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: Callum 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 Fri 22 March, 2024 £7,935.47 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: MO/KE_SJ 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 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:MO/KE_SJ Name of policy holder:Clarke Inc Period of insurance: From 07 June, 2019 to Tuesday 02 January, 2024 both days inclusive. This policy isa Continuing cover policy Insurer: Hiscox Insurance Company Limited Retroactive date: 2021-03-31 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 June, 2019 Insurance details Policy number: MO/KE_SJ Period of insurance: From 07 June, 2019 to Tuesday 02 January, 2024 both days inclusive. This policy isa Continuing cover policy. Insured: Clarke Inc Address: 1 Gordon junction Warrentown FARNHAM L1W 0XW Additional insureds: None Business: Management Consultants Premium details Charged premium – the total amount you’ll pay for this policy. Charged premium: £8,474.01 Insurance Premium Tax (IPT): £1,562.58 Total charged premium: £7,935.47 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: £8,474.01 Insurance Premium Tax (IPT): £1,562.58 Annual total: £7,935.47 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 £4,366.16 Legal protection £100,000 £0 £9,203.23 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: 07 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 2021-03-31 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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MO/KE_SJ
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(?<=Policy number - )[-\w_\/\.]+?(?= Company name)
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07 June, 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 - 5Z_4.SVH Company name: Wilkinson, Evans and Stephenson It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : 5Z_4.SVH. Company name: Wilkinson, Evans and Stephenson. Your Hiscox Insurance premium. Last year’s annual premium: This year’s annual premium. £ 2,833.27. £ 2,833.27. The premium includes all applicable insurance premium tax (IPT). Dear Dr Mr Lee Bennett. Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on Tue 10 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. £548.19. £548.19. Legal protection. £9,495.14. £9,495.14. 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 Wilkinson, Evans and Stephenson , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay. . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover. Policy summary for each cover. ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover . As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, 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 10 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 : 5Z_4.SVH Company name: Wilkinson, Evans and Stephenson . It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : 5Z_4.SVH Company name: Wilkinson, Evans and Stephenson . Your Hiscox Insurance premium Last year’s annual premium: This year’s annual premium The premium includes all applicable insurance premium tax (IPT). £ 2,833.27 £ 2,833.27 . Your Hiscox Insurance premium . Last year’s annual premium: This year’s annual premium £ 2,833.27 £ 2,833.27 . The premium includes all applicable insurance premium tax (IPT). Dear Dr Mr Lee Bennett . Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on Tue 10 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 £548.19 £548.19 Legal protection £9,495.14 £9,495.14 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 Wilkinson, Evans and Stephenson , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover Policy summary for each cover ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, 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 10 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 Tue 10 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 £548.19 £548.19 Legal protection £9,495.14 £9,495.14 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 Wilkinson, Evans and Stephenson , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover Policy summary for each cover ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, 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 10 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) £548.19 £9,495.14 £0.00 . This year’s annual Premium (exc IPT) £548.19 £9,495.14 . Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) . Professional indemnity £548.19 £548.19 . Legal protection £9,495.14 £9,495.14 . 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: Mr Lee Bennett Frequency of collection: Annual Sort code: %BANK_SORT_CODE_1% Account number: %BANK_ACCOUNT_NUMBER_1% Your Direct Debit schedule We will take payments on the dates outlined below: Date Amount Wed 14 December, 2022 £2,833.27 Where your chosen collection date falls ona non-working day then we will endeavour to collect the next working day. For your information, the collections will be made using the following reference number: Originator Identification Number: 293461 Reference Number: 5Z_4.SVH If you have any questions about your policy or payments, please call us on 0800 280 0351. We’re here between 8:30am - 5:30pm Monday to Friday or you can email us at service@hiscox.co.uk. Using your personal information Hiscox isa trading name ofa number of Hiscox companies. The specific company acting asa data controller of your personal information will be listed in the documentation we provide to you. If you are unsure you can also contact us at anytime by telephoning 01904 681198 or by emailing us at dataprotectionofficer@hiscox.com. We collect and process information about you in order to provide insurance policies and to process claims. Your information is also used for business purposes such as fraud prevention and detection and financial management. This may involve sharing your information with, and obtaining information about you from, our group companies and third parties such as brokers, loss adjusters, credit reference agencies, service providers, professional advisors, our regulators or fraud prevention agencies. We may record telephone calls to help us monitor and improve the service we provide. For further information on how your information is used and your rights in relation to your information please see our privacy policy at www.hiscox.co.uk/cookies-privacy. The Direct Debit Guarantee This Guarantee is offered by all banks and building societies that accept instructions to pay Direct Debits. If there are any changes to the amount, date or frequency of your Direct Debit Hiscox Underwriting Ltd will notify you ten working days in advance of your account being debited or as otherwise agreed. If you request Hiscox Underwriting Ltd to collect a payment, confirmation of the amount and date will be given to you at the time of the request. If an error is made in the payment of your Direct Debit by Hiscox Underwriting Ltd or your bank or building society you are entitled to a full and immediate refund of the amount paid from your bank or building society. – If you receive a refund you are not entitled to, you must pay it back when Hiscox Underwriting Ltd asks you to. You can cancel a Direct Debit at anytime by simply contacting your bank or building society. Written confirmation maybe required. Please also notify us. Page / 1 Hiscox Business Insurance Policy summary JAC-PSC-UK-DC556(5.4) 17431b 07/20 Your Hiscox Business Insurance policy summaries This document contains the summaries for any policy covers you have selected to protect your business. These summaries outline the key information about your policies so you can be confident that you have understood what you have bought and what you are covered for. However, you should carefully read your policy in full and ensure that you understand its terms and conditions in full. If you have any queries, you should contact Hiscox or your insurance advisor. Your side of the bargain Remember, your premium and insurance are based on the details you have provided to us. Please make sure this information accurately reflects your business and that you inform us immediately if anything needs to change. Please also tell us of any changes in circumstances that may affect the services provided by us or the cover provided by your policy. This is particularly important before taking out a policy, but it also applies throughout the life of the policy too. You need to consider: ■if you fail to fairly present the risk to us, including by failing to disclose any information material to the insurance, you could invalidate the policy, claims may not be paid or the amount we pay maybe reduced; ■you should read and check all insurance documents to ensure that you are aware of the cover, limits and other terms that apply; ■if you fail to let us know of any changes to your circumstances during the period of insurance or, if when telling us about such changes you fail to present the risk to us fairly, you could invalidate the policy, claims may not be paid or the amount we pay maybe reduced; ■please be aware of all terms and conditions of your policy because failure to comply with them could invalidate it or result in us not paying a claim or reducing the amount we pay; ■in the event ofa claim, you should take note of the required procedures, such as giving Hiscox prompt notice of the claims, as stated in the policy documentation. In particular, if you fail to notify us when you first become aware ofa shortcoming, fact, or problem, admit you are liable for what has happened or appoint solicitors or other legal representation without our prior written approval, claims or defence costs may not be paid or the amount we pay maybe reduced; ■as with any insurance, you have an obligation to take reasonable steps to mitigate any loss or liability; ■if you make a fraudulent claim or try to deceive us, we may terminate the policy. Policy length The period of insurance is shown on your policy schedule. Your policy schedule will also show if the policy is ona continuing cover basis. If itis ona continuing cover basis, we will renew your policy each year for another 12 months and continue to take payment (including any premium adjustment shown in your renewal invitation) using your existing arrangement, unless you tell us otherwise or if your risk changes. If your policy schedule does not show that the policy is ona continuing cover basis, cover will cease at the end of the period of insurance, unless you renew your policy with us. We will provide you witha statement of fact each year and provided that the information contained within the statement of fact is true, complete and accurate, you do not need to provide us with any further information. If any of the information in your statement of fact is not true, complete and accurate, you must let us know. If you do not let us know, it may affect the validity of the policy or our ability to pay a claim. Retroactive dates, geographical and jurisdiction limits Where any section of your policy schedule includes a retroactive date, we will not make any payment for any claim or loss under that section which arises from any activity performed or any act, incident or occurrence taking place, before the retroactive date. Where any section of your policy schedule shows the geographical limits which apply to that section of the policy, we will only pay for claims and losses under that section which arise from activities performed or acts, incidents or occurrences taking place within those geographical limits. Where any section provides cover in respect of your liability to third parties, we will only cover claims first made ina country within the applicable courts stated in that section of your policy schedule. Hiscox Business Insurance Policy summary JAC-PSC-UK-DC556(5.4) 17431b 07/20 Cancellation rights You can cancel this policy by giving us 30 days' notice. You will only be charged for the premiums due up to the date of cancellation. If we need to cancel the policy, we’ll give you 30 days’ notice in writing and refund any surplus premiums you might have paid. Please note – we may deduct an administration fee from any refunded payment.There is an exception to our 30-day notice period, which is triggered when we don’t receive your Direct Debit payments within the agreed 14-day period. At this point, we will contact you as soon as possible and stop the policyPage / 2 immediately. Underwritten by:Hiscox Underwriting Ltd on behalf of the insurers named in the schedule. Page / 1 Certificate of professional indemnity insurance Wilkinson, Evans and Stephenson Hiscox Underwriting 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:5Z_4.SVH Name of policy holder:Wilkinson, Evans and Stephenson Period of insurance: From Tue 10 January, 2023 to 15 December, 2024 both days inclusive. This policy isa Continuing cover policy Insurer: Hiscox Insurance Company Limited Retroactive date: Fri 07 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: Tue 10 January, 2023 Insurance details Policy number: 5Z_4.SVH Period of insurance: From Tue 10 January, 2023 to 15 December, 2024 both days inclusive. This policy isa Continuing cover policy. Insured: Wilkinson, Evans and Stephenson Address: Studio 74j Taylor loop South Johnfort FARNHAM L69 6ZY Additional insureds: None Business: Management Consultants Premium details Charged premium – the total amount you’ll pay for this policy. Charged premium: £7,391.48 Insurance Premium Tax (IPT): £1,566.35 Total charged premium: £2,833.27 Annualised premium – the annual premium for this policy. This is given for comparison purposes. Please refer to the charged premium section for the amount you’ll pay for the policy. Annual premium: £7,391.48 Insurance Premium Tax (IPT): £1,566.35 Annual total: £2,833.27 Please note that there will be no refund or additional premium for any transaction which is less than £20 (excluding IPT). Hiscox Business Insurance Policy Schedule 14502 10/18 Summary Claims information If you need to make a claim: - For claims relating to your building or contents please contact our claims team on 0800 247 1902, 9.00am – 5:30pm Monday to Friday. If you wish to make a claim online, you can log most claims quickly and easily through our claims notification portal at https://claims.hiscox.co.uk/. Outside of normal business hours, if you require emergency assistance in relation to substantial damage to your property, you can speak to our 24-hour emergency assistance team using the telephone number above. Your policy schedule will state if property cover is included in your policy. Our out-of-hours emergency assistance team operate ona pay-and-claim basis and you will need to have credit card details available as appropriate. The team will then be able to direct you to essential tradesmen, emergency loss adjusters or disaster management companies in the event of substantial damage. - If there isa claim (or potential claim) against you bya third party, please email us at liability.claims@hiscox.com. If you need to speak to a member of the claims team urgently, please call our team on 0800 711 7156, 9.00am – 5:30pm Monday to Friday. If you wish to make a claim online, you can log most claims quickly and easily through our claims notification portal at https://claims.hiscox.co.uk/. You will need to provide your full name and contact details, the name of your business or organisation, your address and postcode, the policy reference and circumstances of the claim. The Important information and contact details section below contains additional information specific to the covers applicable to your policy. If you are unsure of who to contact please call our team on 0800 711 7156, 9.00am – 5:30pm Monday to Friday. They will ensure you get through to the correct claims team and let you know what actions you need to take. If anything happens that might be covered under the policy, you must comply with the obligations set out in General claims conditions, together with the obligations set out under Your obligations in the section or sections under which you are making the claim. Itis important that you read the policy for details of its terms in full. Your covers This isa summary of each section of your policy. See each section for cover details. Cover Insurance amount Excess Annual Premium (exc IPT) Professional indemnity £1,000,000 £1,000 £548.19 Legal protection £100,000 £0 £9,495.14 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: Tue 10 January, 2023 Limit of indemnity £1,000,000 Limit applies to in the aggregate, including all costs Excess £1,000 Excess applies to each and every claim or loss, including all costs Geographical limits Worldwide Applicable courts Worldwide (excluding United States of America and Canada) Claims brought in USA or Canada Not covered Additional covers (in addition to overall limit of indemnity stated above) Cover Limit of indemnity Limit applies to Court attendance compensation - employees £250 per person, per day Court attendance compensation - directors and partners£500 per person, per day Court attendance compensation: in total £100,000 in the aggregate Special limits (included within not in addition to the overall limit of indemnity stated above) Cover Limit of indemnity Limit applies to Personal data claims £250,000 in the aggregate, including all costs Business activities Business managementPage / 2 consultant Retroactive date Fri 07 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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5Z_4.SVH
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(?<=Policy number - )[-\w_\/\.]+?(?= Company name)
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Tue 10 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 - KWQM-NHU Company name: Dodd, Garner and Thompson It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : KWQM-NHU. Company name: Dodd, Garner and Thompson. Your Hiscox Insurance premium. Last year’s annual premium: This year’s annual premium. £ 277.28. £ 277.28. The premium includes all applicable insurance premium tax (IPT). Dear Dr Bruce Begum. Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on Tue 30 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. £4,779.50. £4,779.50. Legal protection. £5,779.90. £5,779.90. Crisis containment. £0.00. Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy . Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government increase in Insurance Premium Tax as shown. Is our information correct? Your premium and cover are based on what you’ve told us about Dodd, Garner and Thompson , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay. . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover. Policy summary for each cover. ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover . As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, 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 30 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 : KWQM-NHU Company name: Dodd, Garner and Thompson . It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : KWQM-NHU Company name: Dodd, Garner and Thompson . Your Hiscox Insurance premium Last year’s annual premium: This year’s annual premium The premium includes all applicable insurance premium tax (IPT). £ 277.28 £ 277.28 . Your Hiscox Insurance premium . Last year’s annual premium: This year’s annual premium £ 277.28 £ 277.28 . The premium includes all applicable insurance premium tax (IPT). Dear Dr Bruce Begum . Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on Tue 30 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 £4,779.50 £4,779.50 Legal protection £5,779.90 £5,779.90 Crisis containment £0.00 Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government increase in Insurance Premium Tax as shown. Is our information correct? Your premium and cover are based on what you’ve told us about Dodd, Garner and Thompson , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover Policy summary for each cover ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, 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 30 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 Tue 30 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 £4,779.50 £4,779.50 Legal protection £5,779.90 £5,779.90 Crisis containment £0.00 Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government increase in Insurance Premium Tax as shown. Is our information correct? Your premium and cover are based on what you’ve told us about Dodd, Garner and Thompson , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover Policy summary for each cover ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, 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 30 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) £4,779.50 £5,779.90 £0.00 . This year’s annual Premium (exc IPT) £4,779.50 £5,779.90 . Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) . Professional indemnity £4,779.50 £4,779.50 . Legal protection £5,779.90 £5,779.90 . Crisis containment £0.00 . Kind regards Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre . Kind regards . Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave . To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre . Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Page / 1 Hiscox Business Insurance Policy wording 17431a - DC565 WORDING 04/17Guide to sectionsIntroduction Policy wordings General terms and conditions Professional indemnity for business management consultants Legal protection Crisis containment Hiscox Business Insurance Policy wording 17431a - DC565 WORDING 04/17IntroductionThank you for choosing Hiscox to protect your business. We hope that the language and layout of this policy wording are clear because we want you to understand the insurance we provide as well as the responsibilities we have to each other. Please read this document, including the policy schedule, policy summary and statement of fact, and let us know as soon as possible if any of the details are shown incorrectly. We always try to deliver to the highest standards of service. Your views are important to us, so if you feel that our service is below the standard you would expect from Hiscox, please contact us on the phone number shown in your policy schedule. Please note that some of the words we use in this insurance are shown in bold type. These words are defined in each section of the wording. Page / 1 Hiscox Insurance Payment schedule Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Thank you for continuing to pay for your policy by Direct Debit. Please check these details and let us know if anything is incorrect or if the schedule is not suitable. Your reference details Account holder name: Bruce Begum Frequency of collection: Annual Sort code: %BANK_SORT_CODE_1% Account number: %BANK_ACCOUNT_NUMBER_1% Your Direct Debit schedule We will take payments on the dates outlined below: Date Amount Friday 19 May, 2023 £277.28 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: KWQM-NHU 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, Garner and Thompson Hiscox Underwriting 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:KWQM-NHU Name of policy holder:Dodd, Garner and Thompson Period of insurance: From Tue 30 July, 2024 to 23 February, 2021 both days inclusive. This policy isa Continuing cover policy Insurer: Hiscox Insurance Company Limited Retroactive date: 23/01/2020 Level of cover:£1,000,000 Signed on behalf of Hiscox Underwriting Limited as agent for the insurers Jon Dye CEO, Hiscox UK Notes: (a) This insurance is subject to policy terms and conditions and any special terms notified to the InsuredPage / 1 Hiscox Business Insurance Policy Schedule 14502 10/18 This schedule tells you what is insured with us. It should be read carefully with your policy wording(s) and statement of fact detailed elsewhere in this document. Schedule effective date: Tue 30 July, 2024 Insurance details Policy number: KWQM-NHU Period of insurance: From Tue 30 July, 2024 to 23 February, 2021 both days inclusive. This policy isa Continuing cover policy. Insured: Dodd, Garner and Thompson Address: 00 Clive lock Clarkhaven FARNHAM CV7H 7SS Additional insureds: None Business: Management Consultants Premium details Charged premium – the total amount you’ll pay for this policy. Charged premium: £347.60 Insurance Premium Tax (IPT): £2,582.53 Total charged premium: £277.28 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: £347.60 Insurance Premium Tax (IPT): £2,582.53 Annual total: £277.28 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 £4,779.50 Legal protection £100,000 £0 £5,779.90 Crisis containment £25,000 - £0.00 The figures above are in summary only and are not in addition to the amount insured specified against each cover section below. Hiscox Business Insurance Policy Schedule 14502 10/18 SECTION: PROFESSIONAL INDEMNITY – MANAGEMENT CONSULTANTS Cover start date: Tue 30 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 23/01/2020 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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KWQM-NHU
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(?<=Policy number - )[-\w_\/\.]+?(?= Company name)
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Tue 30 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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