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Hiscox Business Insurance - Policy number - 30OM84B/GZ2/L6RQXO4SPQE Company name: Evans Group It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : 30OM84B/GZ2/L6RQXO4SPQE. Company name: Evans Group. Your Hiscox Insurance premium. Last year’s annual premium: This year’s annual premium. £ 6,937.28. £ 6,937.28. The premium includes all applicable insurance premium tax (IPT). Dear Dr Ms Leanne Jackson. Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on Wed 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. £478.89. £478.89. Legal protection. £9,462.13. £9,462.13. 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 Evans 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 Wed 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 : 30OM84B/GZ2/L6RQXO4SPQE Company name: Evans Group . It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : 30OM84B/GZ2/L6RQXO4SPQE Company name: Evans Group . Your Hiscox Insurance premium Last year’s annual premium: This year’s annual premium The premium includes all applicable insurance premium tax (IPT). £ 6,937.28 £ 6,937.28 . Your Hiscox Insurance premium . Last year’s annual premium: This year’s annual premium £ 6,937.28 £ 6,937.28 . The premium includes all applicable insurance premium tax (IPT). Dear Dr Ms Leanne Jackson . Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on Wed 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 £478.89 £478.89 Legal protection £9,462.13 £9,462.13 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 Evans 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 Wed 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 Wed 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 £478.89 £478.89 Legal protection £9,462.13 £9,462.13 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 Evans 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 Wed 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) £478.89 £9,462.13 £0.00 . This year’s annual Premium (exc IPT) £478.89 £9,462.13 . Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) . Professional indemnity £478.89 £478.89 . Legal protection £9,462.13 £9,462.13 . 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: Ms Leanne Jackson Frequency of collection: Annual Sort code: %BANK_SORT_CODE_1% Account number: %BANK_ACCOUNT_NUMBER_1% Your Direct Debit schedule We will take payments on the dates outlined below: Date Amount 14/07/2020 £6,937.28 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: 30OM84B/GZ2/L6RQXO4SPQE If you have any questions about your policy or payments, please call us on 0800 280 0351. We’re here between 8:30am - 5:30pm Monday to Friday or you can email us at service@hiscox.co.uk. Using your personal information Hiscox isa trading name ofa number of Hiscox companies. The specific company acting asa data controller of your personal information will be listed in the documentation we provide to you. If you are unsure you can also contact us at anytime by telephoning 01904 681198 or by emailing us at dataprotectionofficer@hiscox.com. We collect and process information about you in order to provide insurance policies and to process claims. Your information is also used for business purposes such as fraud prevention and detection and financial management. This may involve sharing your information with, and obtaining information about you from, our group companies and third parties such as brokers, loss adjusters, credit reference agencies, service providers, professional advisors, our regulators or fraud prevention agencies. We may record telephone calls to help us monitor and improve the service we provide. For further information on how your information is used and your rights in relation to your information please see our privacy policy at www.hiscox.co.uk/cookies-privacy. The Direct Debit Guarantee This Guarantee is offered by all banks and building societies that accept instructions to pay Direct Debits. If there are any changes to the amount, date or frequency of your Direct Debit Hiscox Underwriting Ltd will notify you ten working days in advance of your account being debited or as otherwise agreed. If you request Hiscox Underwriting Ltd to collect a payment, confirmation of the amount and date will be given to you at the time of the request. If an error is made in the payment of your Direct Debit by Hiscox Underwriting Ltd or your bank or building society you are entitled to a full and immediate refund of the amount paid from your bank or building society. – If you receive a refund you are not entitled to, you must pay it back when Hiscox Underwriting Ltd asks you to. You can cancel a Direct Debit at anytime by simply contacting your bank or building society. Written confirmation maybe required. Please also notify us. Page / 1 Hiscox Business Insurance Policy summary JAC-PSC-UK-DC556(5.4) 17431b 07/20 Your Hiscox Business Insurance policy summaries This document contains the summaries for any policy covers you have selected to protect your business. These summaries outline the key information about your policies so you can be confident that you have understood what you have bought and what you are covered for. However, you should carefully read your policy in full and ensure that you understand its terms and conditions in full. If you have any queries, you should contact Hiscox or your insurance advisor. Your side of the bargain Remember, your premium and insurance are based on the details you have provided to us. Please make sure this information accurately reflects your business and that you inform us immediately if anything needs to change. Please also tell us of any changes in circumstances that may affect the services provided by us or the cover provided by your policy. This is particularly important before taking out a policy, but it also applies throughout the life of the policy too. You need to consider: ■if you fail to fairly present the risk to us, including by failing to disclose any information material to the insurance, you could invalidate the policy, claims may not be paid or the amount we pay maybe reduced; ■you should read and check all insurance documents to ensure that you are aware of the cover, limits and other terms that apply; ■if you fail to let us know of any changes to your circumstances during the period of insurance or, if when telling us about such changes you fail to present the risk to us fairly, you could invalidate the policy, claims may not be paid or the amount we pay maybe reduced; ■please be aware of all terms and conditions of your policy because failure to comply with them could invalidate it or result in us not paying a claim or reducing the amount we pay; ■in the event ofa claim, you should take note of the required procedures, such as giving Hiscox prompt notice of the claims, as stated in the policy documentation. In particular, if you fail to notify us when you first become aware ofa shortcoming, fact, or problem, admit you are liable for what has happened or appoint solicitors or other legal representation without our prior written approval, claims or defence costs may not be paid or the amount we pay maybe reduced; ■as with any insurance, you have an obligation to take reasonable steps to mitigate any loss or liability; ■if you make a fraudulent claim or try to deceive us, we may terminate the policy. Policy length The period of insurance is shown on your policy schedule. Your policy schedule will also show if the policy is ona continuing cover basis. If itis ona continuing cover basis, we will renew your policy each year for another 12 months and continue to take payment (including any premium adjustment shown in your renewal invitation) using your existing arrangement, unless you tell us otherwise or if your risk changes. If your policy schedule does not show that the policy is ona continuing cover basis, cover will cease at the end of the period of insurance, unless you renew your policy with us. We will provide you witha statement of fact each year and provided that the information contained within the statement of fact is true, complete and accurate, you do not need to provide us with any further information. If any of the information in your statement of fact is not true, complete and accurate, you must let us know. If you do not let us know, it may affect the validity of the policy or our ability to pay a claim. Retroactive dates, geographical and jurisdiction limits Where any section of your policy schedule includes a retroactive date, we will not make any payment for any claim or loss under that section which arises from any activity performed or any act, incident or occurrence taking place, before the retroactive date. Where any section of your policy schedule shows the geographical limits which apply to that section of the policy, we will only pay for claims and losses under that section which arise from activities performed or acts, incidents or occurrences taking place within those geographical limits. Where any section provides cover in respect of your liability to third parties, we will only cover claims first made ina country within the applicable courts stated in that section of your policy schedule. Hiscox Business Insurance Policy summary JAC-PSC-UK-DC556(5.4) 17431b 07/20 Cancellation rights You can cancel this policy by giving us 30 days' notice. You will only be charged for the premiums due up to the date of cancellation. If we need to cancel the policy, we’ll give you 30 days’ notice in writing and refund any surplus premiums you might have paid. Please note – we may deduct an administration fee from any refunded payment.There is an exception to our 30-day notice period, which is triggered when we don’t receive your Direct Debit payments within the agreed 14-day period. At this point, we will contact you as soon as possible and stop the policyPage / 2 immediately. Underwritten by:Hiscox Underwriting Ltd on behalf of the insurers named in the schedule. Page / 1 Certificate of professional indemnity insurance Evans 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:30OM84B/GZ2/L6RQXO4SPQE Name of policy holder:Evans Group Period of insurance: From Wed 31 December, 2025 to 10/02/23 both days inclusive. This policy isa Continuing cover policy Insurer: Hiscox Insurance Company Limited Retroactive date: Wed 22 January, 2025 Level of cover:£1,000,000 Signed on behalf of Hiscox Underwriting Limited as agent for the insurers Jon Dye CEO, Hiscox UK Notes: (a) This insurance is subject to policy terms and conditions and any special terms notified to the InsuredPage / 1 Hiscox Business Insurance Policy Schedule 14502 10/18 This schedule tells you what is insured with us. It should be read carefully with your policy wording(s) and statement of fact detailed elsewhere in this document. Schedule effective date: Wed 31 December, 2025 Insurance details Policy number: 30OM84B/GZ2/L6RQXO4SPQE Period of insurance: From Wed 31 December, 2025 to 10/02/23 both days inclusive. This policy isa Continuing cover policy. Insured: Evans Group Address: Flat 32f Lord passage South Gregory FARNHAM SP1 3TP Additional insureds: None Business: Management Consultants Premium details Charged premium – the total amount you’ll pay for this policy. Charged premium: £5,922.61 Insurance Premium Tax (IPT): £5,194.69 Total charged premium: £6,937.28 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: £5,922.61 Insurance Premium Tax (IPT): £5,194.69 Annual total: £6,937.28 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 £478.89 Legal protection £100,000 £0 £9,462.13 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: Wed 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 Wed 22 January, 2025 Insurer Hiscox Insurance Company LimitedPage / 1 Hiscox Insurance Summary of change Introduction This document has been created to help you understand the key changes to your Hiscox Insurance policy and how they may impact you. Your policy continues to offer professional, tailored insurance to protect you and give you peace of mind that if you need us, you will be supported by our award winning claims team. If you have a query not covered by this document, or if you have any questions or concerns about your policy you should contact us. Frequently asked questions What if my circumstances change during the period of insurance? If your circumstances change during the period of insurance, you only need to let us know if the change means that any of the information in the Statement of Fact is no longer true, complete and accurate. If there are no such changes, you do not need to let us know. If any of the information within the Statement of Fact becomes no longer complete, true or accurate at any point during the period of insurance you must tell us as it may affect the validity of the policy or our ability to pay a claim. Additionally, if your contact details change then you should let us know straightaway. Where doI find the limits that apply to my policy? You can find your maximum allowable limits for turnover and wage rollin your Statement of Fact. You must check this information and tell us or your broker if you expect to exceed the maximum amounts shown. Please note these values may have changed. If there are special limits or special excesses applying to particular covers or types of losses these will be shown in the policy schedule. Please check your policy schedule carefully as they may have changed. My new schedule shows a different premium to last year? What has changed? If an underwriter has reviewed your policy then they may have manually adjusted your premium, for example if you’ve had claims in the last 12 months. Where doI find out about any endorsements on my policy? You will be able to see if an endorsement has been applied or removed by reviewing your Policy Schedule. If you have any queries or concerns, please contact us or your broker if you have one. Hiscox Insurance Summary of change Professional indemnity for business management consultants Summary of change Changes to the cover The following table shows the differences between our new policy wordings (5570 WD- PROF-UK-MAN(7), 15579 WD-PROF-UK-MAN-AG(3)) and our previous wordings (5570 WD-PROF-UK-MAN(6), 15579 WD-PROF-UK-MAN-AG(2)). This isa summary of the changes only. You should refer to the schedule and policy wording for the full description of the cover in place. Area of cover Previous policy New policy Improvement in cover Claims against you Advertising claims. We will pay claims arising from your advertising or branding for defamation or infringement of copyright or moral rights. This does not include claims for passing off, unauthorised use of trademarks or false or misleading advertising. Previously cover was not restricted to defamation or the infringement of copyright or moral rights.Covered Amended Your own lossesChanges to ‘what is covered’ Losses from dishonesty. Your losses arising from the dishonesty of your employees, sub-contractors or outsourcers.Covered Not covered Area of cover Previous policy New policy Improvement in cover Cyber incident. We will not pay claims relating to an actual or possible cyber attack, hacker or social engineering communication. Previously we excluded any virus not specifically targeted at your system.Covered Not covered Computer or digital technology error. We will not pay claims arising from any negligent act, error or omission in the operation or maintenance of computer or digital technology such as development, installation, patching or upgrading.Covered Not coveredChanges to ‘what is not covered’ Infrastructure. We will not pay claims arising from the failure of the service provided by internet, telecommunications, utilities or other infrastructure providers.Covered Not covered Hiscox Insurance Summary of change Personal data. We will not pay claims relating to personal data. We will pay such claims where they arise from your performance ofa business activity and which is not otherwise excluded. Subject to the limit shown in the schedule.Covered Not covered Other important changes Control of defence. Under the previous wording we had a duty to defend you against any covered claim brought against you. We now have the right but not the obligation to take control of the conduct of the claim including the appointment of legal representation. Please refer to the policy wording for full details. SOC-PROF-UK-MAN(1) 21367 01/21
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30OM84B/GZ2/L6RQXO4SPQE
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(?<=Policy number - )[-\w_\/\.]+?(?= Company name)
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Wed 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 - EOZ-OHN.OMWDECMF.PW Company name: Evans-Wright It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : EOZ-OHN.OMWDECMF.PW. Company name: Evans-Wright. Your Hiscox Insurance premium. Last year’s annual premium: This year’s annual premium. £ 9,752.07. £ 9,752.07. The premium includes all applicable insurance premium tax (IPT). Dear Dr Ms Carol Gibbs. Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 02/09/24 . 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. £5,592.89. £5,592.89. Legal protection. £5,891.93. £5,891.93. Crisis containment. £0.00. Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy . Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government increase in Insurance Premium Tax as shown. Is our information correct? Your premium and cover are based on what you’ve told us about Evans-Wright , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay. . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover. Policy summary for each cover. ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover . As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before 02/09/24 . 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 : EOZ-OHN.OMWDECMF.PW Company name: Evans-Wright . It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : EOZ-OHN.OMWDECMF.PW Company name: Evans-Wright . Your Hiscox Insurance premium Last year’s annual premium: This year’s annual premium The premium includes all applicable insurance premium tax (IPT). £ 9,752.07 £ 9,752.07 . Your Hiscox Insurance premium . Last year’s annual premium: This year’s annual premium £ 9,752.07 £ 9,752.07 . The premium includes all applicable insurance premium tax (IPT). Dear Dr Ms Carol Gibbs . Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 02/09/24 . 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 £5,592.89 £5,592.89 Legal protection £5,891.93 £5,891.93 Crisis containment £0.00 Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government increase in Insurance Premium Tax as shown. Is our information correct? Your premium and cover are based on what you’ve told us about Evans-Wright , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover Policy summary for each cover ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before 02/09/24 . 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 02/09/24 . 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 £5,592.89 £5,592.89 Legal protection £5,891.93 £5,891.93 Crisis containment £0.00 Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government increase in Insurance Premium Tax as shown. Is our information correct? Your premium and cover are based on what you’ve told us about Evans-Wright , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover Policy summary for each cover ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before 02/09/24 . 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) £5,592.89 £5,891.93 £0.00 . This year’s annual Premium (exc IPT) £5,592.89 £5,891.93 . Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) . Professional indemnity £5,592.89 £5,592.89 . Legal protection £5,891.93 £5,891.93 . Crisis containment £0.00 . Kind regards Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre . Kind regards . Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave . To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre . Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Page / 1 Hiscox Business Insurance Policy wording 17431a - DC565 WORDING 04/17Guide to sectionsIntroduction Policy wordings General terms and conditions Professional indemnity for business management consultants Legal protection Crisis containment Hiscox Business Insurance Policy wording 17431a - DC565 WORDING 04/17IntroductionThank you for choosing Hiscox to protect your business. We hope that the language and layout of this policy wording are clear because we want you to understand the insurance we provide as well as the responsibilities we have to each other. Please read this document, including the policy schedule, policy summary and statement of fact, and let us know as soon as possible if any of the details are shown incorrectly. We always try to deliver to the highest standards of service. Your views are important to us, so if you feel that our service is below the standard you would expect from Hiscox, please contact us on the phone number shown in your policy schedule. Please note that some of the words we use in this insurance are shown in bold type. These words are defined in each section of the wording. Page / 1 Hiscox Insurance Payment schedule Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Thank you for continuing to pay for your policy by Direct Debit. Please check these details and let us know if anything is incorrect or if the schedule is not suitable. Your reference details Account holder name: Ms Carol Gibbs Frequency of collection: Annual Sort code: %BANK_SORT_CODE_1% Account number: %BANK_ACCOUNT_NUMBER_1% Your Direct Debit schedule We will take payments on the dates outlined below: Date Amount Sunday 23 November, 2025 £9,752.07 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: EOZ-OHN.OMWDECMF.PW If you have any questions about your policy or payments, please call us on 0800 280 0351. We’re here between 8:30am - 5:30pm Monday to Friday or you can email us at service@hiscox.co.uk. Using your personal information Hiscox isa trading name ofa number of Hiscox companies. The specific company acting asa data controller of your personal information will be listed in the documentation we provide to you. If you are unsure you can also contact us at anytime by telephoning 01904 681198 or by emailing us at dataprotectionofficer@hiscox.com. We collect and process information about you in order to provide insurance policies and to process claims. Your information is also used for business purposes such as fraud prevention and detection and financial management. This may involve sharing your information with, and obtaining information about you from, our group companies and third parties such as brokers, loss adjusters, credit reference agencies, service providers, professional advisors, our regulators or fraud prevention agencies. We may record telephone calls to help us monitor and improve the service we provide. For further information on how your information is used and your rights in relation to your information please see our privacy policy at www.hiscox.co.uk/cookies-privacy. The Direct Debit Guarantee This Guarantee is offered by all banks and building societies that accept instructions to pay Direct Debits. If there are any changes to the amount, date or frequency of your Direct Debit Hiscox Underwriting Ltd will notify you ten working days in advance of your account being debited or as otherwise agreed. If you request Hiscox Underwriting Ltd to collect a payment, confirmation of the amount and date will be given to you at the time of the request. If an error is made in the payment of your Direct Debit by Hiscox Underwriting Ltd or your bank or building society you are entitled to a full and immediate refund of the amount paid from your bank or building society. – If you receive a refund you are not entitled to, you must pay it back when Hiscox Underwriting Ltd asks you to. You can cancel a Direct Debit at anytime by simply contacting your bank or building society. Written confirmation maybe required. Please also notify us. Page / 1 Hiscox Business Insurance Policy summary JAC-PSC-UK-DC556(5.4) 17431b 07/20 Your Hiscox Business Insurance policy summaries This document contains the summaries for any policy covers you have selected to protect your business. These summaries outline the key information about your policies so you can be confident that you have understood what you have bought and what you are covered for. However, you should carefully read your policy in full and ensure that you understand its terms and conditions in full. If you have any queries, you should contact Hiscox or your insurance advisor. Your side of the bargain Remember, your premium and insurance are based on the details you have provided to us. Please make sure this information accurately reflects your business and that you inform us immediately if anything needs to change. Please also tell us of any changes in circumstances that may affect the services provided by us or the cover provided by your policy. This is particularly important before taking out a policy, but it also applies throughout the life of the policy too. You need to consider: ■if you fail to fairly present the risk to us, including by failing to disclose any information material to the insurance, you could invalidate the policy, claims may not be paid or the amount we pay maybe reduced; ■you should read and check all insurance documents to ensure that you are aware of the cover, limits and other terms that apply; ■if you fail to let us know of any changes to your circumstances during the period of insurance or, if when telling us about such changes you fail to present the risk to us fairly, you could invalidate the policy, claims may not be paid or the amount we pay maybe reduced; ■please be aware of all terms and conditions of your policy because failure to comply with them could invalidate it or result in us not paying a claim or reducing the amount we pay; ■in the event ofa claim, you should take note of the required procedures, such as giving Hiscox prompt notice of the claims, as stated in the policy documentation. In particular, if you fail to notify us when you first become aware ofa shortcoming, fact, or problem, admit you are liable for what has happened or appoint solicitors or other legal representation without our prior written approval, claims or defence costs may not be paid or the amount we pay maybe reduced; ■as with any insurance, you have an obligation to take reasonable steps to mitigate any loss or liability; ■if you make a fraudulent claim or try to deceive us, we may terminate the policy. Policy length The period of insurance is shown on your policy schedule. Your policy schedule will also show if the policy is ona continuing cover basis. If itis ona continuing cover basis, we will renew your policy each year for another 12 months and continue to take payment (including any premium adjustment shown in your renewal invitation) using your existing arrangement, unless you tell us otherwise or if your risk changes. If your policy schedule does not show that the policy is ona continuing cover basis, cover will cease at the end of the period of insurance, unless you renew your policy with us. We will provide you witha statement of fact each year and provided that the information contained within the statement of fact is true, complete and accurate, you do not need to provide us with any further information. If any of the information in your statement of fact is not true, complete and accurate, you must let us know. If you do not let us know, it may affect the validity of the policy or our ability to pay a claim. Retroactive dates, geographical and jurisdiction limits Where any section of your policy schedule includes a retroactive date, we will not make any payment for any claim or loss under that section which arises from any activity performed or any act, incident or occurrence taking place, before the retroactive date. Where any section of your policy schedule shows the geographical limits which apply to that section of the policy, we will only pay for claims and losses under that section which arise from activities performed or acts, incidents or occurrences taking place within those geographical limits. Where any section provides cover in respect of your liability to third parties, we will only cover claims first made ina country within the applicable courts stated in that section of your policy schedule. Hiscox Business Insurance Policy summary JAC-PSC-UK-DC556(5.4) 17431b 07/20 Cancellation rights You can cancel this policy by giving us 30 days' notice. You will only be charged for the premiums due up to the date of cancellation. If we need to cancel the policy, we’ll give you 30 days’ notice in writing and refund any surplus premiums you might have paid. Please note – we may deduct an administration fee from any refunded payment.There is an exception to our 30-day notice period, which is triggered when we don’t receive your Direct Debit payments within the agreed 14-day period. At this point, we will contact you as soon as possible and stop the policyPage / 2 immediately. Underwritten by:Hiscox Underwriting Ltd on behalf of the insurers named in the schedule. Page / 1 Certificate of professional indemnity insurance Evans-Wright Hiscox Underwriting Ltd of 1 Great St. Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Certificate of professional indemnity Insurance Policy number:EOZ-OHN.OMWDECMF.PW Name of policy holder:Evans-Wright Period of insurance: From 02/09/24 to 19 September, 2024 both days inclusive. This policy isa Continuing cover policy Insurer: Hiscox Insurance Company Limited Retroactive date: Tuesday 08 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: 02/09/24 Insurance details Policy number: EOZ-OHN.OMWDECMF.PW Period of insurance: From 02/09/24 to 19 September, 2024 both days inclusive. This policy isa Continuing cover policy. Insured: Evans-Wright Address: Studio 9 Kim trail Leachhaven FARNHAM M1C 8NR Additional insureds: None Business: Management Consultants Premium details Charged premium – the total amount you’ll pay for this policy. Charged premium: £3,148.53 Insurance Premium Tax (IPT): £8,742.52 Total charged premium: £9,752.07 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: £3,148.53 Insurance Premium Tax (IPT): £8,742.52 Annual total: £9,752.07 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 £5,592.89 Legal protection £100,000 £0 £5,891.93 Crisis containment £25,000 - £0.00 The figures above are in summary only and are not in addition to the amount insured specified against each cover section below. Hiscox Business Insurance Policy Schedule 14502 10/18 SECTION: PROFESSIONAL INDEMNITY – MANAGEMENT CONSULTANTS Cover start date: 02/09/24 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 Tuesday 08 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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Hiscox Business Insurance - Policy number - 4AFWVLAW_OBZY840Y Company name: Brown, Reid and Hewitt It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : 4AFWVLAW_OBZY840Y. Company name: Brown, Reid and Hewitt. Your Hiscox Insurance premium. Last year’s annual premium: This year’s annual premium. £ 8,277.79. £ 8,277.79. The premium includes all applicable insurance premium tax (IPT). Dear Dr Damian Tyler. Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 06/01/24 . Good news; if you want cover to continue with us and to make sure you stay protected by our award-winning cover, you do not need to do anything. We will update your policy onto our latest wording and continue to collect payment using the payment details we have for you. You must read the important information contained in this email and the attached documents. Your Hiscox Insurance Premium breakdown. The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). The amount shown as last year’s Annual premium will take into account any changes to the cover which may have been made during the last policy period. Cover. Last year’s annual premium (exc IPT). This year’s annual Premium (exc IPT). Professional indemnity. £8,697.09. £8,697.09. Legal protection. £4,378.78. £4,378.78. 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 Brown, Reid and Hewitt , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay. . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover. Policy summary for each cover. ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover . As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before 06/01/24 . 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 : 4AFWVLAW_OBZY840Y Company name: Brown, Reid and Hewitt . It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : 4AFWVLAW_OBZY840Y Company name: Brown, Reid and Hewitt . Your Hiscox Insurance premium Last year’s annual premium: This year’s annual premium The premium includes all applicable insurance premium tax (IPT). £ 8,277.79 £ 8,277.79 . Your Hiscox Insurance premium . Last year’s annual premium: This year’s annual premium £ 8,277.79 £ 8,277.79 . The premium includes all applicable insurance premium tax (IPT). Dear Dr Damian Tyler . Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 06/01/24 . Good news; if you want cover to continue with us and to make sure you stay protected by our award-winning cover, you do not need to do anything. We will update your policy onto our latest wording and continue to collect payment using the payment details we have for you. You must read the important information contained in this email and the attached documents Your Hiscox Insurance Premium breakdown The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). The amount shown as last year’s Annual premium will take into account any changes to the cover which may have been made during the last policy period. Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) Professional indemnity £8,697.09 £8,697.09 Legal protection £4,378.78 £4,378.78 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 Brown, Reid and Hewitt , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover Policy summary for each cover ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before 06/01/24 . 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 06/01/24 . Good news; if you want cover to continue with us and to make sure you stay protected by our award-winning cover, you do not need to do anything. We will update your policy onto our latest wording and continue to collect payment using the payment details we have for you. You must read the important information contained in this email and the attached documents Your Hiscox Insurance Premium breakdown The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). The amount shown as last year’s Annual premium will take into account any changes to the cover which may have been made during the last policy period. Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) Professional indemnity £8,697.09 £8,697.09 Legal protection £4,378.78 £4,378.78 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 Brown, Reid and Hewitt , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover Policy summary for each cover ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before 06/01/24 . We’re here between 8:30am - 5:30pm Monday to Friday . Please note that we can only discuss policy changes with people named on the policy. Why renew with Hiscox - Reassuring: we offer a range of cover options that can be tailored to your needs - Flexible: we offer full flexibility to change your policy, with no administration fees - Award-winning cover : we’ve been named Best Small Business Insurer 7 years running by Start Your Business Magazine Please click this link for the Hiscox Referral Portal: https://refer.aklamio.com/hiscox/uk?source=postpurchase Thank you again for choosing Hiscox to insure your business. We hope you and your business have a very successful year. Kind regards Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Your Hiscox Insurance Premium breakdown The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). Cover Professional indemnity Legal protection Crisis containment . Last year’s annual premium (exc IPT) £8,697.09 £4,378.78 £0.00 . This year’s annual Premium (exc IPT) £8,697.09 £4,378.78 . Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) . Professional indemnity £8,697.09 £8,697.09 . Legal protection £4,378.78 £4,378.78 . 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: Damian Tyler Frequency of collection: Annual Sort code: %BANK_SORT_CODE_1% Account number: %BANK_ACCOUNT_NUMBER_1% Your Direct Debit schedule We will take payments on the dates outlined below: Date Amount Wed 07 December, 2022 £8,277.79 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: 4AFWVLAW_OBZY840Y If you have any questions about your policy or payments, please call us on 0800 280 0351. We’re here between 8:30am - 5:30pm Monday to Friday or you can email us at service@hiscox.co.uk. Using your personal information Hiscox isa trading name ofa number of Hiscox companies. The specific company acting asa data controller of your personal information will be listed in the documentation we provide to you. If you are unsure you can also contact us at anytime by telephoning 01904 681198 or by emailing us at dataprotectionofficer@hiscox.com. We collect and process information about you in order to provide insurance policies and to process claims. Your information is also used for business purposes such as fraud prevention and detection and financial management. This may involve sharing your information with, and obtaining information about you from, our group companies and third parties such as brokers, loss adjusters, credit reference agencies, service providers, professional advisors, our regulators or fraud prevention agencies. We may record telephone calls to help us monitor and improve the service we provide. For further information on how your information is used and your rights in relation to your information please see our privacy policy at www.hiscox.co.uk/cookies-privacy. The Direct Debit Guarantee This Guarantee is offered by all banks and building societies that accept instructions to pay Direct Debits. If there are any changes to the amount, date or frequency of your Direct Debit Hiscox Underwriting Ltd will notify you ten working days in advance of your account being debited or as otherwise agreed. If you request Hiscox Underwriting Ltd to collect a payment, confirmation of the amount and date will be given to you at the time of the request. If an error is made in the payment of your Direct Debit by Hiscox Underwriting Ltd or your bank or building society you are entitled to a full and immediate refund of the amount paid from your bank or building society. – If you receive a refund you are not entitled to, you must pay it back when Hiscox Underwriting Ltd asks you to. You can cancel a Direct Debit at anytime by simply contacting your bank or building society. Written confirmation maybe required. Please also notify us. Page / 1 Hiscox Business Insurance Policy summary JAC-PSC-UK-DC556(5.4) 17431b 07/20 Your Hiscox Business Insurance policy summaries This document contains the summaries for any policy covers you have selected to protect your business. These summaries outline the key information about your policies so you can be confident that you have understood what you have bought and what you are covered for. However, you should carefully read your policy in full and ensure that you understand its terms and conditions in full. If you have any queries, you should contact Hiscox or your insurance advisor. Your side of the bargain Remember, your premium and insurance are based on the details you have provided to us. Please make sure this information accurately reflects your business and that you inform us immediately if anything needs to change. Please also tell us of any changes in circumstances that may affect the services provided by us or the cover provided by your policy. This is particularly important before taking out a policy, but it also applies throughout the life of the policy too. You need to consider: ■if you fail to fairly present the risk to us, including by failing to disclose any information material to the insurance, you could invalidate the policy, claims may not be paid or the amount we pay maybe reduced; ■you should read and check all insurance documents to ensure that you are aware of the cover, limits and other terms that apply; ■if you fail to let us know of any changes to your circumstances during the period of insurance or, if when telling us about such changes you fail to present the risk to us fairly, you could invalidate the policy, claims may not be paid or the amount we pay maybe reduced; ■please be aware of all terms and conditions of your policy because failure to comply with them could invalidate it or result in us not paying a claim or reducing the amount we pay; ■in the event ofa claim, you should take note of the required procedures, such as giving Hiscox prompt notice of the claims, as stated in the policy documentation. In particular, if you fail to notify us when you first become aware ofa shortcoming, fact, or problem, admit you are liable for what has happened or appoint solicitors or other legal representation without our prior written approval, claims or defence costs may not be paid or the amount we pay maybe reduced; ■as with any insurance, you have an obligation to take reasonable steps to mitigate any loss or liability; ■if you make a fraudulent claim or try to deceive us, we may terminate the policy. Policy length The period of insurance is shown on your policy schedule. Your policy schedule will also show if the policy is ona continuing cover basis. If itis ona continuing cover basis, we will renew your policy each year for another 12 months and continue to take payment (including any premium adjustment shown in your renewal invitation) using your existing arrangement, unless you tell us otherwise or if your risk changes. If your policy schedule does not show that the policy is ona continuing cover basis, cover will cease at the end of the period of insurance, unless you renew your policy with us. We will provide you witha statement of fact each year and provided that the information contained within the statement of fact is true, complete and accurate, you do not need to provide us with any further information. If any of the information in your statement of fact is not true, complete and accurate, you must let us know. If you do not let us know, it may affect the validity of the policy or our ability to pay a claim. Retroactive dates, geographical and jurisdiction limits Where any section of your policy schedule includes a retroactive date, we will not make any payment for any claim or loss under that section which arises from any activity performed or any act, incident or occurrence taking place, before the retroactive date. Where any section of your policy schedule shows the geographical limits which apply to that section of the policy, we will only pay for claims and losses under that section which arise from activities performed or acts, incidents or occurrences taking place within those geographical limits. Where any section provides cover in respect of your liability to third parties, we will only cover claims first made ina country within the applicable courts stated in that section of your policy schedule. Hiscox Business Insurance Policy summary JAC-PSC-UK-DC556(5.4) 17431b 07/20 Cancellation rights You can cancel this policy by giving us 30 days' notice. You will only be charged for the premiums due up to the date of cancellation. If we need to cancel the policy, we’ll give you 30 days’ notice in writing and refund any surplus premiums you might have paid. Please note – we may deduct an administration fee from any refunded payment.There is an exception to our 30-day notice period, which is triggered when we don’t receive your Direct Debit payments within the agreed 14-day period. At this point, we will contact you as soon as possible and stop the 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, Reid and Hewitt Hiscox Underwriting Ltd of 1 Great St. Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Certificate of professional indemnity Insurance Policy number:4AFWVLAW_OBZY840Y Name of policy holder:Brown, Reid and Hewitt Period of insurance: From 06/01/24 to 2023-07-28 both days inclusive. This policy isa Continuing cover policy Insurer: Hiscox Insurance Company Limited Retroactive date: 23 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: 06/01/24 Insurance details Policy number: 4AFWVLAW_OBZY840Y Period of insurance: From 06/01/24 to 2023-07-28 both days inclusive. This policy isa Continuing cover policy. Insured: Brown, Reid and Hewitt Address: 024 Leigh roads Smithton FARNHAM M12 1FW Additional insureds: None Business: Management Consultants Premium details Charged premium – the total amount you’ll pay for this policy. Charged premium: £1,222.13 Insurance Premium Tax (IPT): £6,301.42 Total charged premium: £8,277.79 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: £1,222.13 Insurance Premium Tax (IPT): £6,301.42 Annual total: £8,277.79 Please note that there will be no refund or additional premium for any transaction which is less than £20 (excluding IPT). Hiscox Business Insurance Policy Schedule 14502 10/18 Summary Claims information If you need to make a claim: - For claims relating to your building or contents please contact our claims team on 0800 247 1902, 9.00am – 5:30pm Monday to Friday. If you wish to make a claim online, you can log most claims quickly and easily through our claims notification portal at https://claims.hiscox.co.uk/. Outside of normal business hours, if you require emergency assistance in relation to substantial damage to your property, you can speak to our 24-hour emergency assistance team using the telephone number above. Your policy schedule will state if property cover is included in your policy. Our out-of-hours emergency assistance team operate ona pay-and-claim basis and you will need to have credit card details available as appropriate. The team will then be able to direct you to essential tradesmen, emergency loss adjusters or disaster management companies in the event of substantial damage. - If there isa claim (or potential claim) against you bya third party, please email us at liability.claims@hiscox.com. If you need to speak to a member of the claims team urgently, please call our team on 0800 711 7156, 9.00am – 5:30pm Monday to Friday. If you wish to make a claim online, you can log most claims quickly and easily through our claims notification portal at https://claims.hiscox.co.uk/. You will need to provide your full name and contact details, the name of your business or organisation, your address and postcode, the policy reference and circumstances of the claim. The Important information and contact details section below contains additional information specific to the covers applicable to your policy. If you are unsure of who to contact please call our team on 0800 711 7156, 9.00am – 5:30pm Monday to Friday. They will ensure you get through to the correct claims team and let you know what actions you need to take. If anything happens that might be covered under the policy, you must comply with the obligations set out in General claims conditions, together with the obligations set out under Your obligations in the section or sections under which you are making the claim. Itis important that you read the policy for details of its terms in full. Your covers This isa summary of each section of your policy. See each section for cover details. Cover Insurance amount Excess Annual Premium (exc IPT) Professional indemnity £1,000,000 £1,000 £8,697.09 Legal protection £100,000 £0 £4,378.78 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: 06/01/24 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 23 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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4AFWVLAW_OBZY840Y
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(?<=Policy number - )[-\w_\/\.]+?(?= Company name)
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06/01/24
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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 - 2PXYM9GK-X7TMXV.WXM1B2H Company name: Allan Ltd It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : 2PXYM9GK-X7TMXV.WXM1B2H. Company name: Allan Ltd. Your Hiscox Insurance premium. Last year’s annual premium: This year’s annual premium. £ 5,830.35. £ 5,830.35. The premium includes all applicable insurance premium tax (IPT). Dear Dr Mr Victor Harvey. Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 05 October, 2025 . Good news; if you want cover to continue with us and to make sure you stay protected by our award-winning cover, you do not need to do anything. We will update your policy onto our latest wording and continue to collect payment using the payment details we have for you. You must read the important information contained in this email and the attached documents. Your Hiscox Insurance Premium breakdown. The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). The amount shown as last year’s Annual premium will take into account any changes to the cover which may have been made during the last policy period. Cover. Last year’s annual premium (exc IPT). This year’s annual Premium (exc IPT). Professional indemnity. £3,458.98. £3,458.98. Legal protection. £2,341.17. £2,341.17. 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 Allan Ltd , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay. . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover. Policy summary for each cover. ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover . As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before 05 October, 2025 . We’re here between 8:30am - 5:30pm Monday to Friday . Please note that we can only discuss policy changes with people named on the policy. Why renew with Hiscox. - Reassuring: we offer a range of cover options that can be tailored to your needs. - Flexible: we offer full flexibility to change your policy, with no administration fees . - Award-winning cover : we’ve been named Best Small Business Insurer 7 years running by Start Your Business Magazine . Please click this link for the Hiscox Referral Portal: https://refer.aklamio.com/hiscox/uk?source=postpurchase. Thank you again for choosing Hiscox to insure your business. We hope you and your business have a very successful year. Kind regards. Jon Dye. CEO, Hiscox UK. Business Insurance for the small and the brave. To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre. Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. This email and any files transmitted with it are confidential and intended solely for the use of the individual or entity to whom they are addressed. No one else is authorised to distribute, forward, print, copy or act upon any information contained in this email. If you have received this email in error, please notify the sender. Hiscox Syndicates Limited and Hiscox Insurance Company Limited are authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Hiscox Underwriting Limited, Hiscox Underwriting Services Ltd, Hiscox MGA Ltd and Hiscox ASM Ltd are authorised and regulated by the Financial Conduct Authority. Hiscox Assure SAS is duly registered as an insurance broker with the ORIAS, which is the French Official Registry of Insurance Intermediaries. Hiscox plc is a company registered in England and Wales under company registration number 2837811 and registered office at 1 Great St Helen's, London EC3A 6HX. Hiscox SA is a company registered in Luxembourg at 35 Avenue John F. Kennedy 35F, Luxembourg L-1855, and is authorised by the Commissariat aux Assurances de Luxembourg. It’s time to renew your Hiscox Business Insurance Hiscox Insurance policy number : 2PXYM9GK-X7TMXV.WXM1B2H Company name: Allan Ltd . It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : 2PXYM9GK-X7TMXV.WXM1B2H Company name: Allan Ltd . Your Hiscox Insurance premium Last year’s annual premium: This year’s annual premium The premium includes all applicable insurance premium tax (IPT). £ 5,830.35 £ 5,830.35 . Your Hiscox Insurance premium . Last year’s annual premium: This year’s annual premium £ 5,830.35 £ 5,830.35 . The premium includes all applicable insurance premium tax (IPT). Dear Dr Mr Victor Harvey . Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 05 October, 2025 . Good news; if you want cover to continue with us and to make sure you stay protected by our award-winning cover, you do not need to do anything. We will update your policy onto our latest wording and continue to collect payment using the payment details we have for you. You must read the important information contained in this email and the attached documents Your Hiscox Insurance Premium breakdown The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). The amount shown as last year’s Annual premium will take into account any changes to the cover which may have been made during the last policy period. Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) Professional indemnity £3,458.98 £3,458.98 Legal protection £2,341.17 £2,341.17 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 Allan Ltd , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover Policy summary for each cover ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before 05 October, 2025 . We’re here between 8:30am - 5:30pm Monday to Friday . Please note that we can only discuss policy changes with people named on the policy. Why renew with Hiscox - Reassuring: we offer a range of cover options that can be tailored to your needs - Flexible: we offer full flexibility to change your policy, with no administration fees - Award-winning cover : we’ve been named Best Small Business Insurer 7 years running by Start Your Business Magazine Please click this link for the Hiscox Referral Portal: https://refer.aklamio.com/hiscox/uk?source=postpurchase Thank you again for choosing Hiscox to insure your business. We hope you and your business have a very successful year. Kind regards Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 05 October, 2025 . Good news; if you want cover to continue with us and to make sure you stay protected by our award-winning cover, you do not need to do anything. We will update your policy onto our latest wording and continue to collect payment using the payment details we have for you. You must read the important information contained in this email and the attached documents Your Hiscox Insurance Premium breakdown The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). The amount shown as last year’s Annual premium will take into account any changes to the cover which may have been made during the last policy period. Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) Professional indemnity £3,458.98 £3,458.98 Legal protection £2,341.17 £2,341.17 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 Allan Ltd , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover Policy summary for each cover ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before 05 October, 2025 . We’re here between 8:30am - 5:30pm Monday to Friday . Please note that we can only discuss policy changes with people named on the policy. Why renew with Hiscox - Reassuring: we offer a range of cover options that can be tailored to your needs - Flexible: we offer full flexibility to change your policy, with no administration fees - Award-winning cover : we’ve been named Best Small Business Insurer 7 years running by Start Your Business Magazine Please click this link for the Hiscox Referral Portal: https://refer.aklamio.com/hiscox/uk?source=postpurchase Thank you again for choosing Hiscox to insure your business. We hope you and your business have a very successful year. Kind regards Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Your Hiscox Insurance Premium breakdown The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). Cover Professional indemnity Legal protection Crisis containment . Last year’s annual premium (exc IPT) £3,458.98 £2,341.17 £0.00 . This year’s annual Premium (exc IPT) £3,458.98 £2,341.17 . Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) . Professional indemnity £3,458.98 £3,458.98 . Legal protection £2,341.17 £2,341.17 . 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: Mr Victor 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 Saturday 06 November, 2021 £5,830.35 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: 2PXYM9GK-X7TMXV.WXM1B2H If you have any questions about your policy or payments, please call us on 0800 280 0351. We’re here between 8:30am - 5:30pm Monday to Friday or you can email us at service@hiscox.co.uk. Using your personal information Hiscox isa trading name ofa number of Hiscox companies. The specific company acting asa data controller of your personal information will be listed in the documentation we provide to you. If you are unsure you can also contact us at anytime by telephoning 01904 681198 or by emailing us at dataprotectionofficer@hiscox.com. We collect and process information about you in order to provide insurance policies and to process claims. Your information is also used for business purposes such as fraud prevention and detection and financial management. This may involve sharing your information with, and obtaining information about you from, our group companies and third parties such as brokers, loss adjusters, credit reference agencies, service providers, professional advisors, our regulators or fraud prevention agencies. We may record telephone calls to help us monitor and improve the service we provide. For further information on how your information is used and your rights in relation to your information please see our privacy policy at www.hiscox.co.uk/cookies-privacy. The Direct Debit Guarantee This Guarantee is offered by all banks and building societies that accept instructions to pay Direct Debits. If there are any changes to the amount, date or frequency of your Direct Debit Hiscox Underwriting Ltd will notify you ten working days in advance of your account being debited or as otherwise agreed. If you request Hiscox Underwriting Ltd to collect a payment, confirmation of the amount and date will be given to you at the time of the request. If an error is made in the payment of your Direct Debit by Hiscox Underwriting Ltd or your bank or building society you are entitled to a full and immediate refund of the amount paid from your bank or building society. – If you receive a refund you are not entitled to, you must pay it back when Hiscox Underwriting Ltd asks you to. You can cancel a Direct Debit at anytime by simply contacting your bank or building society. Written confirmation maybe required. Please also notify us. Page / 1 Hiscox Business Insurance Policy summary JAC-PSC-UK-DC556(5.4) 17431b 07/20 Your Hiscox Business Insurance policy summaries This document contains the summaries for any policy covers you have selected to protect your business. These summaries outline the key information about your policies so you can be confident that you have understood what you have bought and what you are covered for. However, you should carefully read your policy in full and ensure that you understand its terms and conditions in full. If you have any queries, you should contact Hiscox or your insurance advisor. Your side of the bargain Remember, your premium and insurance are based on the details you have provided to us. Please make sure this information accurately reflects your business and that you inform us immediately if anything needs to change. Please also tell us of any changes in circumstances that may affect the services provided by us or the cover provided by your policy. This is particularly important before taking out a policy, but it also applies throughout the life of the policy too. You need to consider: ■if you fail to fairly present the risk to us, including by failing to disclose any information material to the insurance, you could invalidate the policy, claims may not be paid or the amount we pay maybe reduced; ■you should read and check all insurance documents to ensure that you are aware of the cover, limits and other terms that apply; ■if you fail to let us know of any changes to your circumstances during the period of insurance or, if when telling us about such changes you fail to present the risk to us fairly, you could invalidate the policy, claims may not be paid or the amount we pay maybe reduced; ■please be aware of all terms and conditions of your policy because failure to comply with them could invalidate it or result in us not paying a claim or reducing the amount we pay; ■in the event ofa claim, you should take note of the required procedures, such as giving Hiscox prompt notice of the claims, as stated in the policy documentation. In particular, if you fail to notify us when you first become aware ofa shortcoming, fact, or problem, admit you are liable for what has happened or appoint solicitors or other legal representation without our prior written approval, claims or defence costs may not be paid or the amount we pay maybe reduced; ■as with any insurance, you have an obligation to take reasonable steps to mitigate any loss or liability; ■if you make a fraudulent claim or try to deceive us, we may terminate the policy. Policy length The period of insurance is shown on your policy schedule. Your policy schedule will also show if the policy is ona continuing cover basis. If itis ona continuing cover basis, we will renew your policy each year for another 12 months and continue to take payment (including any premium adjustment shown in your renewal invitation) using your existing arrangement, unless you tell us otherwise or if your risk changes. If your policy schedule does not show that the policy is ona continuing cover basis, cover will cease at the end of the period of insurance, unless you renew your policy with us. We will provide you witha statement of fact each year and provided that the information contained within the statement of fact is true, complete and accurate, you do not need to provide us with any further information. If any of the information in your statement of fact is not true, complete and accurate, you must let us know. If you do not let us know, it may affect the validity of the policy or our ability to pay a claim. Retroactive dates, geographical and jurisdiction limits Where any section of your policy schedule includes a retroactive date, we will not make any payment for any claim or loss under that section which arises from any activity performed or any act, incident or occurrence taking place, before the retroactive date. Where any section of your policy schedule shows the geographical limits which apply to that section of the policy, we will only pay for claims and losses under that section which arise from activities performed or acts, incidents or occurrences taking place within those geographical limits. Where any section provides cover in respect of your liability to third parties, we will only cover claims first made ina country within the applicable courts stated in that section of your policy schedule. Hiscox Business Insurance Policy summary JAC-PSC-UK-DC556(5.4) 17431b 07/20 Cancellation rights You can cancel this policy by giving us 30 days' notice. You will only be charged for the premiums due up to the date of cancellation. If we need to cancel the policy, we’ll give you 30 days’ notice in writing and refund any surplus premiums you might have paid. Please note – we may deduct an administration fee from any refunded payment.There is an exception to our 30-day notice period, which is triggered when we don’t receive your Direct Debit payments within the agreed 14-day period. At this point, we will contact you as soon as possible and stop the 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 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:2PXYM9GK-X7TMXV.WXM1B2H Name of policy holder:Allan Ltd Period of insurance: From 05 October, 2025 to 15/12/2023 both days inclusive. This policy isa Continuing cover policy Insurer: Hiscox Insurance Company Limited Retroactive date: 2022-12-25 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: 05 October, 2025 Insurance details Policy number: 2PXYM9GK-X7TMXV.WXM1B2H Period of insurance: From 05 October, 2025 to 15/12/2023 both days inclusive. This policy isa Continuing cover policy. Insured: Allan Ltd Address: 896 Kelly ways Mitchellberg FARNHAM DL6R 4UZ Additional insureds: None Business: Management Consultants Premium details Charged premium – the total amount you’ll pay for this policy. Charged premium: £3,895.60 Insurance Premium Tax (IPT): £4,572.74 Total charged premium: £5,830.35 Annualised premium – the annual premium for this policy. This is given for comparison purposes. Please refer to the charged premium section for the amount you’ll pay for the policy. Annual premium: £3,895.60 Insurance Premium Tax (IPT): £4,572.74 Annual total: £5,830.35 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 £3,458.98 Legal protection £100,000 £0 £2,341.17 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: 05 October, 2025 Limit of indemnity £1,000,000 Limit applies to in the aggregate, including all costs Excess £1,000 Excess applies to each and every claim or loss, including all costs Geographical limits Worldwide Applicable courts Worldwide (excluding United States of America and Canada) Claims brought in USA or Canada Not covered Additional covers (in addition to overall limit of indemnity stated above) Cover Limit of indemnity Limit applies to Court attendance compensation - employees £250 per person, per day Court attendance compensation - directors and partners£500 per person, per day Court attendance compensation: in total £100,000 in the aggregate Special limits (included within not in addition to the overall limit of indemnity stated above) Cover Limit of indemnity Limit applies to Personal data claims £250,000 in the aggregate, including all costs Business activities Business managementPage / 2 consultant Retroactive date 2022-12-25 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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2PXYM9GK-X7TMXV.WXM1B2H
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(?<=Policy number - )[-\w_\/\.]+?(?= Company name)
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05 October, 2025
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(?<=anniversary of your policy is approaching on )[-\w_\/\. ,]+?(?= \.)
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Business
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(?<=time to renew your Hiscox )[-\w_\/\. ]+?(?= Insurance)
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2024-02-05
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hiscox-business-2
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Hiscox Business Insurance - Policy number - muiclekd Company name: Roberts, Powell and Singh It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : muiclekd. Company name: Roberts, Powell and Singh. Your Hiscox Insurance premium. Last year’s annual premium: This year’s annual premium. £ 3,789.28. £ 3,789.28. The premium includes all applicable insurance premium tax (IPT). Dear Ms Amanda Pope. Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 17 January, 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. £7,546.73. £7,546.73. Legal protection. £870.29. £870.29. 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 Roberts, Powell 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 17 January, 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 : muiclekd Company name: Roberts, Powell and Singh . It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : muiclekd Company name: Roberts, Powell 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). £ 3,789.28 £ 3,789.28 . Your Hiscox Insurance premium . Last year’s annual premium: This year’s annual premium £ 3,789.28 £ 3,789.28 . The premium includes all applicable insurance premium tax (IPT). Dear Ms Amanda Pope . Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 17 January, 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 £7,546.73 £7,546.73 Legal protection £870.29 £870.29 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 Roberts, Powell 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 17 January, 2020 . We’re here between 8:30am - 5:30pm Monday to Friday . Please note that we can only discuss policy changes with people named on the policy. Why renew with Hiscox - Reassuring: we offer a range of cover options that can be tailored to your needs - Flexible: we offer full flexibility to change your policy, with no administration fees - Award-winning cover : we’ve been named Best Small Business Insurer 7 years running by Start Your Business Magazine Please click this link for the Hiscox Referral Portal: https://refer.aklamio.com/hiscox/uk?source=postpurchase Thank you again for choosing Hiscox to insure your business. We hope you and your business have a very successful year. Kind regards Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 17 January, 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 £7,546.73 £7,546.73 Legal protection £870.29 £870.29 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 Roberts, Powell 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 17 January, 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) £7,546.73 £870.29 £0.00 . This year’s annual Premium (exc IPT) £7,546.73 £870.29 . Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) . Professional indemnity £7,546.73 £7,546.73 . Legal protection £870.29 £870.29 . 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: Amanda Pope Frequency of collection: Annual Sort code: %BANK_SORT_CODE_1% Account number: %BANK_ACCOUNT_NUMBER_1% Your Direct Debit schedule We will take payments on the dates outlined below: Date Amount 12/02/2019 £3,789.28 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: muiclekd If you have any questions about your policy or payments, please call us on 0800 280 0351. We’re here between 8:30am - 5:30pm Monday to Friday or you can email us at service@hiscox.co.uk. Using your personal information Hiscox isa trading name ofa number of Hiscox companies. The specific company acting asa data controller of your personal information will be listed in the documentation we provide to you. If you are unsure you can also contact us at anytime by telephoning 01904 681198 or by emailing us at dataprotectionofficer@hiscox.com. We collect and process information about you in order to provide insurance policies and to process claims. Your information is also used for business purposes such as fraud prevention and detection and financial management. This may involve sharing your information with, and obtaining information about you from, our group companies and third parties such as brokers, loss adjusters, credit reference agencies, service providers, professional advisors, our regulators or fraud prevention agencies. We may record telephone calls to help us monitor and improve the service we provide. For further information on how your information is used and your rights in relation to your information please see our privacy policy at www.hiscox.co.uk/cookies-privacy. The Direct Debit Guarantee This Guarantee is offered by all banks and building societies that accept instructions to pay Direct Debits. If there are any changes to the amount, date or frequency of your Direct Debit Hiscox Underwriting Ltd will notify you ten working days in advance of your account being debited or as otherwise agreed. If you request Hiscox Underwriting Ltd to collect a payment, confirmation of the amount and date will be given to you at the time of the request. If an error is made in the payment of your Direct Debit by Hiscox Underwriting Ltd or your bank or building society you are entitled to a full and immediate refund of the amount paid from your bank or building society. – If you receive a refund you are not entitled to, you must pay it back when Hiscox Underwriting Ltd asks you to. You can cancel a Direct Debit at anytime by simply contacting your bank or building society. Written confirmation maybe required. Please also notify us. Page / 1 Hiscox Business Insurance Policy summary JAC-PSC-UK-DC556(5.4) 17431b 07/20 Your Hiscox Business Insurance policy summaries This document contains the summaries for any policy covers you have selected to protect your business. These summaries outline the key information about your policies so you can be confident that you have understood what you have bought and what you are covered for. However, you should carefully read your policy in full and ensure that you understand its terms and conditions in full. If you have any queries, you should contact Hiscox or your insurance advisor. Your side of the bargain Remember, your premium and insurance are based on the details you have provided to us. Please make sure this information accurately reflects your business and that you inform us immediately if anything needs to change. Please also tell us of any changes in circumstances that may affect the services provided by us or the cover provided by your policy. This is particularly important before taking out a policy, but it also applies throughout the life of the policy too. You need to consider: ■if you fail to fairly present the risk to us, including by failing to disclose any information material to the insurance, you could invalidate the policy, claims may not be paid or the amount we pay maybe reduced; ■you should read and check all insurance documents to ensure that you are aware of the cover, limits and other terms that apply; ■if you fail to let us know of any changes to your circumstances during the period of insurance or, if when telling us about such changes you fail to present the risk to us fairly, you could invalidate the policy, claims may not be paid or the amount we pay maybe reduced; ■please be aware of all terms and conditions of your policy because failure to comply with them could invalidate it or result in us not paying a claim or reducing the amount we pay; ■in the event ofa claim, you should take note of the required procedures, such as giving Hiscox prompt notice of the claims, as stated in the policy documentation. In particular, if you fail to notify us when you first become aware ofa shortcoming, fact, or problem, admit you are liable for what has happened or appoint solicitors or other legal representation without our prior written approval, claims or defence costs may not be paid or the amount we pay maybe reduced; ■as with any insurance, you have an obligation to take reasonable steps to mitigate any loss or liability; ■if you make a fraudulent claim or try to deceive us, we may terminate the policy. Policy length The period of insurance is shown on your policy schedule. Your policy schedule will also show if the policy is ona continuing cover basis. If itis ona continuing cover basis, we will renew your policy each year for another 12 months and continue to take payment (including any premium adjustment shown in your renewal invitation) using your existing arrangement, unless you tell us otherwise or if your risk changes. If your policy schedule does not show that the policy is ona continuing cover basis, cover will cease at the end of the period of insurance, unless you renew your policy with us. We will provide you witha statement of fact each year and provided that the information contained within the statement of fact is true, complete and accurate, you do not need to provide us with any further information. If any of the information in your statement of fact is not true, complete and accurate, you must let us know. If you do not let us know, it may affect the validity of the policy or our ability to pay a claim. Retroactive dates, geographical and jurisdiction limits Where any section of your policy schedule includes a retroactive date, we will not make any payment for any claim or loss under that section which arises from any activity performed or any act, incident or occurrence taking place, before the retroactive date. Where any section of your policy schedule shows the geographical limits which apply to that section of the policy, we will only pay for claims and losses under that section which arise from activities performed or acts, incidents or occurrences taking place within those geographical limits. Where any section provides cover in respect of your liability to third parties, we will only cover claims first made ina country within the applicable courts stated in that section of your policy schedule. Hiscox Business Insurance Policy summary JAC-PSC-UK-DC556(5.4) 17431b 07/20 Cancellation rights You can cancel this policy by giving us 30 days' notice. You will only be charged for the premiums due up to the date of cancellation. If we need to cancel the policy, we’ll give you 30 days’ notice in writing and refund any surplus premiums you might have paid. Please note – we may deduct an administration fee from any refunded payment.There is an exception to our 30-day notice period, which is triggered when we don’t receive your Direct Debit payments within the agreed 14-day period. At this point, we will contact you as soon as possible and stop the 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, Powell 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:muiclekd Name of policy holder:Roberts, Powell and Singh Period of insurance: From 17 January, 2020 to 17 December, 2019 both days inclusive. This policy isa Continuing cover policy Insurer: Hiscox Insurance Company Limited Retroactive date: 31/03/20 Level of cover:£1,000,000 Signed on behalf of Hiscox Underwriting Limited as agent for the insurers Jon Dye CEO, Hiscox UK Notes: (a) This insurance is subject to policy terms and conditions and any special terms notified to the InsuredPage / 1 Hiscox Business Insurance Policy Schedule 14502 10/18 This schedule tells you what is insured with us. It should be read carefully with your policy wording(s) and statement of fact detailed elsewhere in this document. Schedule effective date: 17 January, 2020 Insurance details Policy number: muiclekd Period of insurance: From 17 January, 2020 to 17 December, 2019 both days inclusive. This policy isa Continuing cover policy. Insured: Roberts, Powell and Singh Address: 202 Sheila mission Powellport FARNHAM YO5 8DB Additional insureds: None Business: Management Consultants Premium details Charged premium – the total amount you’ll pay for this policy. Charged premium: £57.06 Insurance Premium Tax (IPT): £7,634.01 Total charged premium: £3,789.28 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: £57.06 Insurance Premium Tax (IPT): £7,634.01 Annual total: £3,789.28 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 £7,546.73 Legal protection £100,000 £0 £870.29 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: 17 January, 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 31/03/20 Insurer Hiscox Insurance Company LimitedPage / 1 Hiscox Insurance Summary of change Introduction This document has been created to help you understand the key changes to your Hiscox Insurance policy and how they may impact you. Your policy continues to offer professional, tailored insurance to protect you and give you peace of mind that if you need us, you will be supported by our award winning claims team. If you have a query not covered by this document, or if you have any questions or concerns about your policy you should contact us. Frequently asked questions What if my circumstances change during the period of insurance? If your circumstances change during the period of insurance, you only need to let us know if the change means that any of the information in the Statement of Fact is no longer true, complete and accurate. If there are no such changes, you do not need to let us know. If any of the information within the Statement of Fact becomes no longer complete, true or accurate at any point during the period of insurance you must tell us as it may affect the validity of the policy or our ability to pay a claim. Additionally, if your contact details change then you should let us know straightaway. Where doI find the limits that apply to my policy? You can find your maximum allowable limits for turnover and wage rollin your Statement of Fact. You must check this information and tell us or your broker if you expect to exceed the maximum amounts shown. Please note these values may have changed. If there are special limits or special excesses applying to particular covers or types of losses these will be shown in the policy schedule. Please check your policy schedule carefully as they may have changed. My new schedule shows a different premium to last year? What has changed? If an underwriter has reviewed your policy then they may have manually adjusted your premium, for example if you’ve had claims in the last 12 months. Where doI find out about any endorsements on my policy? You will be able to see if an endorsement has been applied or removed by reviewing your Policy Schedule. If you have any queries or concerns, please contact us or your broker if you have one. Hiscox Insurance Summary of change Professional indemnity for business management consultants Summary of change Changes to the cover The following table shows the differences between our new policy wordings (5570 WD- PROF-UK-MAN(7), 15579 WD-PROF-UK-MAN-AG(3)) and our previous wordings (5570 WD-PROF-UK-MAN(6), 15579 WD-PROF-UK-MAN-AG(2)). This isa summary of the changes only. You should refer to the schedule and policy wording for the full description of the cover in place. Area of cover Previous policy New policy Improvement in cover Claims against you Advertising claims. We will pay claims arising from your advertising or branding for defamation or infringement of copyright or moral rights. This does not include claims for passing off, unauthorised use of trademarks or false or misleading advertising. Previously cover was not restricted to defamation or the infringement of copyright or moral rights.Covered Amended Your own lossesChanges to ‘what is covered’ Losses from dishonesty. Your losses arising from the dishonesty of your employees, sub-contractors or outsourcers.Covered Not covered Area of cover Previous policy New policy Improvement in cover Cyber incident. We will not pay claims relating to an actual or possible cyber attack, hacker or social engineering communication. Previously we excluded any virus not specifically targeted at your system.Covered Not covered Computer or digital technology error. We will not pay claims arising from any negligent act, error or omission in the operation or maintenance of computer or digital technology such as development, installation, patching or upgrading.Covered Not coveredChanges to ‘what is not covered’ Infrastructure. We will not pay claims arising from the failure of the service provided by internet, telecommunications, utilities or other infrastructure providers.Covered Not covered Hiscox Insurance Summary of change Personal data. We will not pay claims relating to personal data. We will pay such claims where they arise from your performance ofa business activity and which is not otherwise excluded. Subject to the limit shown in the schedule.Covered Not covered Other important changes Control of defence. Under the previous wording we had a duty to defend you against any covered claim brought against you. We now have the right but not the obligation to take control of the conduct of the claim including the appointment of legal representation. Please refer to the policy wording for full details. SOC-PROF-UK-MAN(1) 21367 01/21
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muiclekd
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(?<=Policy number - )[-\w_\/\.]+?(?= Company name)
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17 January, 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 - syf-dasnd Company name: Hudson, Dixon and Gibson It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : syf-dasnd. Company name: Hudson, Dixon and Gibson. Your Hiscox Insurance premium. Last year’s annual premium: This year’s annual premium. £ 4,585.30. £ 4,585.30. The premium includes all applicable insurance premium tax (IPT). Dear Mr Dr Anthony Parkinson. Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 2023-03-30 . Good news; if you want cover to continue with us and to make sure you stay protected by our award-winning cover, you do not need to do anything. We will update your policy onto our latest wording and continue to collect payment using the payment details we have for you. You must read the important information contained in this email and the attached documents. Your Hiscox Insurance Premium breakdown. The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). The amount shown as last year’s Annual premium will take into account any changes to the cover which may have been made during the last policy period. Cover. Last year’s annual premium (exc IPT). This year’s annual Premium (exc IPT). Professional indemnity. £2,104.40. £2,104.40. Legal protection. £6,394.39. £6,394.39. Crisis containment. £0.00. Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy . Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government increase in Insurance Premium Tax as shown. Is our information correct? Your premium and cover are based on what you’ve told us about Hudson, Dixon and Gibson , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay. . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover. Policy summary for each cover. ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover . As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before 2023-03-30 . We’re here between 8:30am - 5:30pm Monday to Friday . Please note that we can only discuss policy changes with people named on the policy. Why renew with Hiscox. - Reassuring: we offer a range of cover options that can be tailored to your needs. - Flexible: we offer full flexibility to change your policy, with no administration fees . - Award-winning cover : we’ve been named Best Small Business Insurer 7 years running by Start Your Business Magazine . Please click this link for the Hiscox Referral Portal: https://refer.aklamio.com/hiscox/uk?source=postpurchase. Thank you again for choosing Hiscox to insure your business. We hope you and your business have a very successful year. Kind regards. Jon Dye. CEO, Hiscox UK. Business Insurance for the small and the brave. To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre. Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. This email and any files transmitted with it are confidential and intended solely for the use of the individual or entity to whom they are addressed. No one else is authorised to distribute, forward, print, copy or act upon any information contained in this email. If you have received this email in error, please notify the sender. Hiscox Syndicates Limited and Hiscox Insurance Company Limited are authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Hiscox Underwriting Limited, Hiscox Underwriting Services Ltd, Hiscox MGA Ltd and Hiscox ASM Ltd are authorised and regulated by the Financial Conduct Authority. Hiscox Assure SAS is duly registered as an insurance broker with the ORIAS, which is the French Official Registry of Insurance Intermediaries. Hiscox plc is a company registered in England and Wales under company registration number 2837811 and registered office at 1 Great St Helen's, London EC3A 6HX. Hiscox SA is a company registered in Luxembourg at 35 Avenue John F. Kennedy 35F, Luxembourg L-1855, and is authorised by the Commissariat aux Assurances de Luxembourg. It’s time to renew your Hiscox Business Insurance Hiscox Insurance policy number : syf-dasnd Company name: Hudson, Dixon and Gibson . It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : syf-dasnd Company name: Hudson, Dixon and Gibson . Your Hiscox Insurance premium Last year’s annual premium: This year’s annual premium The premium includes all applicable insurance premium tax (IPT). £ 4,585.30 £ 4,585.30 . Your Hiscox Insurance premium . Last year’s annual premium: This year’s annual premium £ 4,585.30 £ 4,585.30 . The premium includes all applicable insurance premium tax (IPT). Dear Mr Dr Anthony Parkinson . Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 2023-03-30 . Good news; if you want cover to continue with us and to make sure you stay protected by our award-winning cover, you do not need to do anything. We will update your policy onto our latest wording and continue to collect payment using the payment details we have for you. You must read the important information contained in this email and the attached documents Your Hiscox Insurance Premium breakdown The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). The amount shown as last year’s Annual premium will take into account any changes to the cover which may have been made during the last policy period. Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) Professional indemnity £2,104.40 £2,104.40 Legal protection £6,394.39 £6,394.39 Crisis containment £0.00 Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government increase in Insurance Premium Tax as shown. Is our information correct? Your premium and cover are based on what you’ve told us about Hudson, Dixon and Gibson , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover Policy summary for each cover ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before 2023-03-30 . We’re here between 8:30am - 5:30pm Monday to Friday . Please note that we can only discuss policy changes with people named on the policy. Why renew with Hiscox - Reassuring: we offer a range of cover options that can be tailored to your needs - Flexible: we offer full flexibility to change your policy, with no administration fees - Award-winning cover : we’ve been named Best Small Business Insurer 7 years running by Start Your Business Magazine Please click this link for the Hiscox Referral Portal: https://refer.aklamio.com/hiscox/uk?source=postpurchase Thank you again for choosing Hiscox to insure your business. We hope you and your business have a very successful year. Kind regards Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 2023-03-30 . Good news; if you want cover to continue with us and to make sure you stay protected by our award-winning cover, you do not need to do anything. We will update your policy onto our latest wording and continue to collect payment using the payment details we have for you. You must read the important information contained in this email and the attached documents Your Hiscox Insurance Premium breakdown The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). The amount shown as last year’s Annual premium will take into account any changes to the cover which may have been made during the last policy period. Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) Professional indemnity £2,104.40 £2,104.40 Legal protection £6,394.39 £6,394.39 Crisis containment £0.00 Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government increase in Insurance Premium Tax as shown. Is our information correct? Your premium and cover are based on what you’ve told us about Hudson, Dixon and Gibson , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover Policy summary for each cover ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before 2023-03-30 . We’re here between 8:30am - 5:30pm Monday to Friday . Please note that we can only discuss policy changes with people named on the policy. Why renew with Hiscox - Reassuring: we offer a range of cover options that can be tailored to your needs - Flexible: we offer full flexibility to change your policy, with no administration fees - Award-winning cover : we’ve been named Best Small Business Insurer 7 years running by Start Your Business Magazine Please click this link for the Hiscox Referral Portal: https://refer.aklamio.com/hiscox/uk?source=postpurchase Thank you again for choosing Hiscox to insure your business. We hope you and your business have a very successful year. Kind regards Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Your Hiscox Insurance Premium breakdown The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). Cover Professional indemnity Legal protection Crisis containment . Last year’s annual premium (exc IPT) £2,104.40 £6,394.39 £0.00 . This year’s annual Premium (exc IPT) £2,104.40 £6,394.39 . Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) . Professional indemnity £2,104.40 £2,104.40 . Legal protection £6,394.39 £6,394.39 . Crisis containment £0.00 . Kind regards Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre . Kind regards . Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave . To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre . Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Page / 1 Hiscox Business Insurance Policy wording 17431a - DC565 WORDING 04/17Guide to sectionsIntroduction Policy wordings General terms and conditions Professional indemnity for business management consultants Legal protection Crisis containment Hiscox Business Insurance Policy wording 17431a - DC565 WORDING 04/17IntroductionThank you for choosing Hiscox to protect your business. We hope that the language and layout of this policy wording are clear because we want you to understand the insurance we provide as well as the responsibilities we have to each other. Please read this document, including the policy schedule, policy summary and statement of fact, and let us know as soon as possible if any of the details are shown incorrectly. We always try to deliver to the highest standards of service. Your views are important to us, so if you feel that our service is below the standard you would expect from Hiscox, please contact us on the phone number shown in your policy schedule. Please note that some of the words we use in this insurance are shown in bold type. These words are defined in each section of the wording. Page / 1 Hiscox Insurance Payment schedule Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Thank you for continuing to pay for your policy by Direct Debit. Please check these details and let us know if anything is incorrect or if the schedule is not suitable. Your reference details Account holder name: Dr Anthony Parkinson Frequency of collection: Annual Sort code: %BANK_SORT_CODE_1% Account number: %BANK_ACCOUNT_NUMBER_1% Your Direct Debit schedule We will take payments on the dates outlined below: Date Amount Fri 24 May, 2019 £4,585.30 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: syf-dasnd If you have any questions about your policy or payments, please call us on 0800 280 0351. We’re here between 8:30am - 5:30pm Monday to Friday or you can email us at service@hiscox.co.uk. Using your personal information Hiscox isa trading name ofa number of Hiscox companies. The specific company acting asa data controller of your personal information will be listed in the documentation we provide to you. If you are unsure you can also contact us at anytime by telephoning 01904 681198 or by emailing us at dataprotectionofficer@hiscox.com. We collect and process information about you in order to provide insurance policies and to process claims. Your information is also used for business purposes such as fraud prevention and detection and financial management. This may involve sharing your information with, and obtaining information about you from, our group companies and third parties such as brokers, loss adjusters, credit reference agencies, service providers, professional advisors, our regulators or fraud prevention agencies. We may record telephone calls to help us monitor and improve the service we provide. For further information on how your information is used and your rights in relation to your information please see our privacy policy at www.hiscox.co.uk/cookies-privacy. The Direct Debit Guarantee This Guarantee is offered by all banks and building societies that accept instructions to pay Direct Debits. If there are any changes to the amount, date or frequency of your Direct Debit Hiscox Underwriting Ltd will notify you ten working days in advance of your account being debited or as otherwise agreed. If you request Hiscox Underwriting Ltd to collect a payment, confirmation of the amount and date will be given to you at the time of the request. If an error is made in the payment of your Direct Debit by Hiscox Underwriting Ltd or your bank or building society you are entitled to a full and immediate refund of the amount paid from your bank or building society. – If you receive a refund you are not entitled to, you must pay it back when Hiscox Underwriting Ltd asks you to. You can cancel a Direct Debit at anytime by simply contacting your bank or building society. Written confirmation maybe required. Please also notify us. Page / 1 Hiscox Business Insurance Policy summary JAC-PSC-UK-DC556(5.4) 17431b 07/20 Your Hiscox Business Insurance policy summaries This document contains the summaries for any policy covers you have selected to protect your business. These summaries outline the key information about your policies so you can be confident that you have understood what you have bought and what you are covered for. However, you should carefully read your policy in full and ensure that you understand its terms and conditions in full. If you have any queries, you should contact Hiscox or your insurance advisor. Your side of the bargain Remember, your premium and insurance are based on the details you have provided to us. Please make sure this information accurately reflects your business and that you inform us immediately if anything needs to change. Please also tell us of any changes in circumstances that may affect the services provided by us or the cover provided by your policy. This is particularly important before taking out a policy, but it also applies throughout the life of the policy too. You need to consider: ■if you fail to fairly present the risk to us, including by failing to disclose any information material to the insurance, you could invalidate the policy, claims may not be paid or the amount we pay maybe reduced; ■you should read and check all insurance documents to ensure that you are aware of the cover, limits and other terms that apply; ■if you fail to let us know of any changes to your circumstances during the period of insurance or, if when telling us about such changes you fail to present the risk to us fairly, you could invalidate the policy, claims may not be paid or the amount we pay maybe reduced; ■please be aware of all terms and conditions of your policy because failure to comply with them could invalidate it or result in us not paying a claim or reducing the amount we pay; ■in the event ofa claim, you should take note of the required procedures, such as giving Hiscox prompt notice of the claims, as stated in the policy documentation. In particular, if you fail to notify us when you first become aware ofa shortcoming, fact, or problem, admit you are liable for what has happened or appoint solicitors or other legal representation without our prior written approval, claims or defence costs may not be paid or the amount we pay maybe reduced; ■as with any insurance, you have an obligation to take reasonable steps to mitigate any loss or liability; ■if you make a fraudulent claim or try to deceive us, we may terminate the policy. Policy length The period of insurance is shown on your policy schedule. Your policy schedule will also show if the policy is ona continuing cover basis. If itis ona continuing cover basis, we will renew your policy each year for another 12 months and continue to take payment (including any premium adjustment shown in your renewal invitation) using your existing arrangement, unless you tell us otherwise or if your risk changes. If your policy schedule does not show that the policy is ona continuing cover basis, cover will cease at the end of the period of insurance, unless you renew your policy with us. We will provide you witha statement of fact each year and provided that the information contained within the statement of fact is true, complete and accurate, you do not need to provide us with any further information. If any of the information in your statement of fact is not true, complete and accurate, you must let us know. If you do not let us know, it may affect the validity of the policy or our ability to pay a claim. Retroactive dates, geographical and jurisdiction limits Where any section of your policy schedule includes a retroactive date, we will not make any payment for any claim or loss under that section which arises from any activity performed or any act, incident or occurrence taking place, before the retroactive date. Where any section of your policy schedule shows the geographical limits which apply to that section of the policy, we will only pay for claims and losses under that section which arise from activities performed or acts, incidents or occurrences taking place within those geographical limits. Where any section provides cover in respect of your liability to third parties, we will only cover claims first made ina country within the applicable courts stated in that section of your policy schedule. Hiscox Business Insurance Policy summary JAC-PSC-UK-DC556(5.4) 17431b 07/20 Cancellation rights You can cancel this policy by giving us 30 days' notice. You will only be charged for the premiums due up to the date of cancellation. If we need to cancel the policy, we’ll give you 30 days’ notice in writing and refund any surplus premiums you might have paid. Please note – we may deduct an administration fee from any refunded payment.There is an exception to our 30-day notice period, which is triggered when we don’t receive your Direct Debit payments within the agreed 14-day period. At this point, we will contact you as soon as possible and stop the policyPage / 2 immediately. Underwritten by:Hiscox Underwriting Ltd on behalf of the insurers named in the schedule. Page / 1 Certificate of professional indemnity insurance Hudson, Dixon and Gibson Hiscox Underwriting Ltd of 1 Great St. Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Certificate of professional indemnity Insurance Policy number:syf-dasnd Name of policy holder:Hudson, Dixon and Gibson Period of insurance: From 2023-03-30 to 2021-04-12 both days inclusive. This policy isa Continuing cover policy Insurer: Hiscox Insurance Company Limited Retroactive date: Wed 28 August, 2019 Level of cover:£1,000,000 Signed on behalf of Hiscox Underwriting Limited as agent for the insurers Jon Dye CEO, Hiscox UK Notes: (a) This insurance is subject to policy terms and conditions and any special terms notified to the InsuredPage / 1 Hiscox Business Insurance Policy Schedule 14502 10/18 This schedule tells you what is insured with us. It should be read carefully with your policy wording(s) and statement of fact detailed elsewhere in this document. Schedule effective date: 2023-03-30 Insurance details Policy number: syf-dasnd Period of insurance: From 2023-03-30 to 2021-04-12 both days inclusive. This policy isa Continuing cover policy. Insured: Hudson, Dixon and Gibson Address: 4 Edwards trail Cooperland FARNHAM WF7V 4TH Additional insureds: None Business: Management Consultants Premium details Charged premium – the total amount you’ll pay for this policy. Charged premium: £4,765.44 Insurance Premium Tax (IPT): £9,365.32 Total charged premium: £4,585.30 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: £4,765.44 Insurance Premium Tax (IPT): £9,365.32 Annual total: £4,585.30 Please note that there will be no refund or additional premium for any transaction which is less than £20 (excluding IPT). Hiscox Business Insurance Policy Schedule 14502 10/18 Summary Claims information If you need to make a claim: - For claims relating to your building or contents please contact our claims team on 0800 247 1902, 9.00am – 5:30pm Monday to Friday. If you wish to make a claim online, you can log most claims quickly and easily through our claims notification portal at https://claims.hiscox.co.uk/. Outside of normal business hours, if you require emergency assistance in relation to substantial damage to your property, you can speak to our 24-hour emergency assistance team using the telephone number above. Your policy schedule will state if property cover is included in your policy. Our out-of-hours emergency assistance team operate ona pay-and-claim basis and you will need to have credit card details available as appropriate. The team will then be able to direct you to essential tradesmen, emergency loss adjusters or disaster management companies in the event of substantial damage. - If there isa claim (or potential claim) against you bya third party, please email us at liability.claims@hiscox.com. If you need to speak to a member of the claims team urgently, please call our team on 0800 711 7156, 9.00am – 5:30pm Monday to Friday. If you wish to make a claim online, you can log most claims quickly and easily through our claims notification portal at https://claims.hiscox.co.uk/. You will need to provide your full name and contact details, the name of your business or organisation, your address and postcode, the policy reference and circumstances of the claim. The Important information and contact details section below contains additional information specific to the covers applicable to your policy. If you are unsure of who to contact please call our team on 0800 711 7156, 9.00am – 5:30pm Monday to Friday. They will ensure you get through to the correct claims team and let you know what actions you need to take. If anything happens that might be covered under the policy, you must comply with the obligations set out in General claims conditions, together with the obligations set out under Your obligations in the section or sections under which you are making the claim. Itis important that you read the policy for details of its terms in full. Your covers This isa summary of each section of your policy. See each section for cover details. Cover Insurance amount Excess Annual Premium (exc IPT) Professional indemnity £1,000,000 £1,000 £2,104.40 Legal protection £100,000 £0 £6,394.39 Crisis containment £25,000 - £0.00 The figures above are in summary only and are not in addition to the amount insured specified against each cover section below. Hiscox Business Insurance Policy Schedule 14502 10/18 SECTION: PROFESSIONAL INDEMNITY – MANAGEMENT CONSULTANTS Cover start date: 2023-03-30 Limit of indemnity £1,000,000 Limit applies to in the aggregate, including all costs Excess £1,000 Excess applies to each and every claim or loss, including all costs Geographical limits Worldwide Applicable courts Worldwide (excluding United States of America and Canada) Claims brought in USA or Canada Not covered Additional covers (in addition to overall limit of indemnity stated above) Cover Limit of indemnity Limit applies to Court attendance compensation - employees £250 per person, per day Court attendance compensation - directors and partners£500 per person, per day Court attendance compensation: in total £100,000 in the aggregate Special limits (included within not in addition to the overall limit of indemnity stated above) Cover Limit of indemnity Limit applies to Personal data claims £250,000 in the aggregate, including all costs Business activities Business managementPage / 2 consultant Retroactive date Wed 28 August, 2019 Insurer Hiscox Insurance Company LimitedPage / 1 Hiscox Insurance Summary of change Introduction This document has been created to help you understand the key changes to your Hiscox Insurance policy and how they may impact you. Your policy continues to offer professional, tailored insurance to protect you and give you peace of mind that if you need us, you will be supported by our award winning claims team. If you have a query not covered by this document, or if you have any questions or concerns about your policy you should contact us. Frequently asked questions What if my circumstances change during the period of insurance? If your circumstances change during the period of insurance, you only need to let us know if the change means that any of the information in the Statement of Fact is no longer true, complete and accurate. If there are no such changes, you do not need to let us know. If any of the information within the Statement of Fact becomes no longer complete, true or accurate at any point during the period of insurance you must tell us as it may affect the validity of the policy or our ability to pay a claim. Additionally, if your contact details change then you should let us know straightaway. Where doI find the limits that apply to my policy? You can find your maximum allowable limits for turnover and wage rollin your Statement of Fact. You must check this information and tell us or your broker if you expect to exceed the maximum amounts shown. Please note these values may have changed. If there are special limits or special excesses applying to particular covers or types of losses these will be shown in the policy schedule. Please check your policy schedule carefully as they may have changed. My new schedule shows a different premium to last year? What has changed? If an underwriter has reviewed your policy then they may have manually adjusted your premium, for example if you’ve had claims in the last 12 months. Where doI find out about any endorsements on my policy? You will be able to see if an endorsement has been applied or removed by reviewing your Policy Schedule. If you have any queries or concerns, please contact us or your broker if you have one. Hiscox Insurance Summary of change Professional indemnity for business management consultants Summary of change Changes to the cover The following table shows the differences between our new policy wordings (5570 WD- PROF-UK-MAN(7), 15579 WD-PROF-UK-MAN-AG(3)) and our previous wordings (5570 WD-PROF-UK-MAN(6), 15579 WD-PROF-UK-MAN-AG(2)). This isa summary of the changes only. You should refer to the schedule and policy wording for the full description of the cover in place. Area of cover Previous policy New policy Improvement in cover Claims against you Advertising claims. We will pay claims arising from your advertising or branding for defamation or infringement of copyright or moral rights. This does not include claims for passing off, unauthorised use of trademarks or false or misleading advertising. Previously cover was not restricted to defamation or the infringement of copyright or moral rights.Covered Amended Your own lossesChanges to ‘what is covered’ Losses from dishonesty. Your losses arising from the dishonesty of your employees, sub-contractors or outsourcers.Covered Not covered Area of cover Previous policy New policy Improvement in cover Cyber incident. We will not pay claims relating to an actual or possible cyber attack, hacker or social engineering communication. Previously we excluded any virus not specifically targeted at your system.Covered Not covered Computer or digital technology error. We will not pay claims arising from any negligent act, error or omission in the operation or maintenance of computer or digital technology such as development, installation, patching or upgrading.Covered Not coveredChanges to ‘what is not covered’ Infrastructure. We will not pay claims arising from the failure of the service provided by internet, telecommunications, utilities or other infrastructure providers.Covered Not covered Hiscox Insurance Summary of change Personal data. We will not pay claims relating to personal data. We will pay such claims where they arise from your performance ofa business activity and which is not otherwise excluded. Subject to the limit shown in the schedule.Covered Not covered Other important changes Control of defence. Under the previous wording we had a duty to defend you against any covered claim brought against you. We now have the right but not the obligation to take control of the conduct of the claim including the appointment of legal representation. Please refer to the policy wording for full details. SOC-PROF-UK-MAN(1) 21367 01/21
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syf-dasnd
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(?<=Policy number - )[-\w_\/\.]+?(?= Company name)
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2023-03-30
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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 - 9RTWGJWKIONM9_6MOR/OBG6 Company name: Kaur-Ali It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : 9RTWGJWKIONM9_6MOR/OBG6. Company name: Kaur-Ali. Your Hiscox Insurance premium. Last year’s annual premium: This year’s annual premium. £ 528.07. £ 528.07. The premium includes all applicable insurance premium tax (IPT). Dear Ms Jodie Dale. Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on Monday 29 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. £9,709.70. £9,709.70. Legal protection. £2,546.54. £2,546.54. 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 Kaur-Ali , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay. . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover. Policy summary for each cover. ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover . As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, 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 29 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 : 9RTWGJWKIONM9_6MOR/OBG6 Company name: Kaur-Ali . It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : 9RTWGJWKIONM9_6MOR/OBG6 Company name: Kaur-Ali . Your Hiscox Insurance premium Last year’s annual premium: This year’s annual premium The premium includes all applicable insurance premium tax (IPT). £ 528.07 £ 528.07 . Your Hiscox Insurance premium . Last year’s annual premium: This year’s annual premium £ 528.07 £ 528.07 . The premium includes all applicable insurance premium tax (IPT). Dear Ms Jodie Dale . Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on Monday 29 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 £9,709.70 £9,709.70 Legal protection £2,546.54 £2,546.54 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 Kaur-Ali , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover Policy summary for each cover ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, 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 29 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 Monday 29 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 £9,709.70 £9,709.70 Legal protection £2,546.54 £2,546.54 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 Kaur-Ali , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover Policy summary for each cover ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, 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 29 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) £9,709.70 £2,546.54 £0.00 . This year’s annual Premium (exc IPT) £9,709.70 £2,546.54 . Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) . Professional indemnity £9,709.70 £9,709.70 . Legal protection £2,546.54 £2,546.54 . 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: Jodie Dale Frequency of collection: Annual Sort code: %BANK_SORT_CODE_1% Account number: %BANK_ACCOUNT_NUMBER_1% Your Direct Debit schedule We will take payments on the dates outlined below: Date Amount 2025-01-28 £528.07 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: 9RTWGJWKIONM9_6MOR/OBG6 If you have any questions about your policy or payments, please call us on 0800 280 0351. We’re here between 8:30am - 5:30pm Monday to Friday or you can email us at service@hiscox.co.uk. Using your personal information Hiscox isa trading name ofa number of Hiscox companies. The specific company acting asa data controller of your personal information will be listed in the documentation we provide to you. If you are unsure you can also contact us at anytime by telephoning 01904 681198 or by emailing us at dataprotectionofficer@hiscox.com. We collect and process information about you in order to provide insurance policies and to process claims. Your information is also used for business purposes such as fraud prevention and detection and financial management. This may involve sharing your information with, and obtaining information about you from, our group companies and third parties such as brokers, loss adjusters, credit reference agencies, service providers, professional advisors, our regulators or fraud prevention agencies. We may record telephone calls to help us monitor and improve the service we provide. For further information on how your information is used and your rights in relation to your information please see our privacy policy at www.hiscox.co.uk/cookies-privacy. The Direct Debit Guarantee This Guarantee is offered by all banks and building societies that accept instructions to pay Direct Debits. If there are any changes to the amount, date or frequency of your Direct Debit Hiscox Underwriting Ltd will notify you ten working days in advance of your account being debited or as otherwise agreed. If you request Hiscox Underwriting Ltd to collect a payment, confirmation of the amount and date will be given to you at the time of the request. If an error is made in the payment of your Direct Debit by Hiscox Underwriting Ltd or your bank or building society you are entitled to a full and immediate refund of the amount paid from your bank or building society. – If you receive a refund you are not entitled to, you must pay it back when Hiscox Underwriting Ltd asks you to. You can cancel a Direct Debit at anytime by simply contacting your bank or building society. Written confirmation maybe required. Please also notify us. Page / 1 Hiscox Business Insurance Policy summary JAC-PSC-UK-DC556(5.4) 17431b 07/20 Your Hiscox Business Insurance policy summaries This document contains the summaries for any policy covers you have selected to protect your business. These summaries outline the key information about your policies so you can be confident that you have understood what you have bought and what you are covered for. However, you should carefully read your policy in full and ensure that you understand its terms and conditions in full. If you have any queries, you should contact Hiscox or your insurance advisor. Your side of the bargain Remember, your premium and insurance are based on the details you have provided to us. Please make sure this information accurately reflects your business and that you inform us immediately if anything needs to change. Please also tell us of any changes in circumstances that may affect the services provided by us or the cover provided by your policy. This is particularly important before taking out a policy, but it also applies throughout the life of the policy too. You need to consider: ■if you fail to fairly present the risk to us, including by failing to disclose any information material to the insurance, you could invalidate the policy, claims may not be paid or the amount we pay maybe reduced; ■you should read and check all insurance documents to ensure that you are aware of the cover, limits and other terms that apply; ■if you fail to let us know of any changes to your circumstances during the period of insurance or, if when telling us about such changes you fail to present the risk to us fairly, you could invalidate the policy, claims may not be paid or the amount we pay maybe reduced; ■please be aware of all terms and conditions of your policy because failure to comply with them could invalidate it or result in us not paying a claim or reducing the amount we pay; ■in the event ofa claim, you should take note of the required procedures, such as giving Hiscox prompt notice of the claims, as stated in the policy documentation. In particular, if you fail to notify us when you first become aware ofa shortcoming, fact, or problem, admit you are liable for what has happened or appoint solicitors or other legal representation without our prior written approval, claims or defence costs may not be paid or the amount we pay maybe reduced; ■as with any insurance, you have an obligation to take reasonable steps to mitigate any loss or liability; ■if you make a fraudulent claim or try to deceive us, we may terminate the policy. Policy length The period of insurance is shown on your policy schedule. Your policy schedule will also show if the policy is ona continuing cover basis. If itis ona continuing cover basis, we will renew your policy each year for another 12 months and continue to take payment (including any premium adjustment shown in your renewal invitation) using your existing arrangement, unless you tell us otherwise or if your risk changes. If your policy schedule does not show that the policy is ona continuing cover basis, cover will cease at the end of the period of insurance, unless you renew your policy with us. We will provide you witha statement of fact each year and provided that the information contained within the statement of fact is true, complete and accurate, you do not need to provide us with any further information. If any of the information in your statement of fact is not true, complete and accurate, you must let us know. If you do not let us know, it may affect the validity of the policy or our ability to pay a claim. Retroactive dates, geographical and jurisdiction limits Where any section of your policy schedule includes a retroactive date, we will not make any payment for any claim or loss under that section which arises from any activity performed or any act, incident or occurrence taking place, before the retroactive date. Where any section of your policy schedule shows the geographical limits which apply to that section of the policy, we will only pay for claims and losses under that section which arise from activities performed or acts, incidents or occurrences taking place within those geographical limits. Where any section provides cover in respect of your liability to third parties, we will only cover claims first made ina country within the applicable courts stated in that section of your policy schedule. Hiscox Business Insurance Policy summary JAC-PSC-UK-DC556(5.4) 17431b 07/20 Cancellation rights You can cancel this policy by giving us 30 days' notice. You will only be charged for the premiums due up to the date of cancellation. If we need to cancel the policy, we’ll give you 30 days’ notice in writing and refund any surplus premiums you might have paid. Please note – we may deduct an administration fee from any refunded payment.There is an exception to our 30-day notice period, which is triggered when we don’t receive your Direct Debit payments within the agreed 14-day period. At this point, we will contact you as soon as possible and stop the policyPage / 2 immediately. Underwritten by:Hiscox Underwriting Ltd on behalf of the insurers named in the schedule. Page / 1 Certificate of professional indemnity insurance Kaur-Ali Hiscox Underwriting Ltd of 1 Great St. Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Certificate of professional indemnity Insurance Policy number:9RTWGJWKIONM9_6MOR/OBG6 Name of policy holder:Kaur-Ali Period of insurance: From Monday 29 March, 2021 to 25/07/19 both days inclusive. This policy isa Continuing cover policy Insurer: Hiscox Insurance Company Limited Retroactive date: 02 June, 2022 Level of cover:£1,000,000 Signed on behalf of Hiscox Underwriting Limited as agent for the insurers Jon Dye CEO, Hiscox UK Notes: (a) This insurance is subject to policy terms and conditions and any special terms notified to the InsuredPage / 1 Hiscox Business Insurance Policy Schedule 14502 10/18 This schedule tells you what is insured with us. It should be read carefully with your policy wording(s) and statement of fact detailed elsewhere in this document. Schedule effective date: Monday 29 March, 2021 Insurance details Policy number: 9RTWGJWKIONM9_6MOR/OBG6 Period of insurance: From Monday 29 March, 2021 to 25/07/19 both days inclusive. This policy isa Continuing cover policy. Insured: Kaur-Ali Address: 743 Collins valley Port Eileen FARNHAM B8W 0TH Additional insureds: None Business: Management Consultants Premium details Charged premium – the total amount you’ll pay for this policy. Charged premium: £6,064.44 Insurance Premium Tax (IPT): £8,192.06 Total charged premium: £528.07 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: £6,064.44 Insurance Premium Tax (IPT): £8,192.06 Annual total: £528.07 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 £9,709.70 Legal protection £100,000 £0 £2,546.54 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: Monday 29 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 02 June, 2022 Insurer Hiscox Insurance Company LimitedPage / 1 Hiscox Insurance Summary of change Introduction This document has been created to help you understand the key changes to your Hiscox Insurance policy and how they may impact you. Your policy continues to offer professional, tailored insurance to protect you and give you peace of mind that if you need us, you will be supported by our award winning claims team. If you have a query not covered by this document, or if you have any questions or concerns about your policy you should contact us. Frequently asked questions What if my circumstances change during the period of insurance? If your circumstances change during the period of insurance, you only need to let us know if the change means that any of the information in the Statement of Fact is no longer true, complete and accurate. If there are no such changes, you do not need to let us know. If any of the information within the Statement of Fact becomes no longer complete, true or accurate at any point during the period of insurance you must tell us as it may affect the validity of the policy or our ability to pay a claim. Additionally, if your contact details change then you should let us know straightaway. Where doI find the limits that apply to my policy? You can find your maximum allowable limits for turnover and wage rollin your Statement of Fact. You must check this information and tell us or your broker if you expect to exceed the maximum amounts shown. Please note these values may have changed. If there are special limits or special excesses applying to particular covers or types of losses these will be shown in the policy schedule. Please check your policy schedule carefully as they may have changed. My new schedule shows a different premium to last year? What has changed? If an underwriter has reviewed your policy then they may have manually adjusted your premium, for example if you’ve had claims in the last 12 months. Where doI find out about any endorsements on my policy? You will be able to see if an endorsement has been applied or removed by reviewing your Policy Schedule. If you have any queries or concerns, please contact us or your broker if you have one. Hiscox Insurance Summary of change Professional indemnity for business management consultants Summary of change Changes to the cover The following table shows the differences between our new policy wordings (5570 WD- PROF-UK-MAN(7), 15579 WD-PROF-UK-MAN-AG(3)) and our previous wordings (5570 WD-PROF-UK-MAN(6), 15579 WD-PROF-UK-MAN-AG(2)). This isa summary of the changes only. You should refer to the schedule and policy wording for the full description of the cover in place. Area of cover Previous policy New policy Improvement in cover Claims against you Advertising claims. We will pay claims arising from your advertising or branding for defamation or infringement of copyright or moral rights. This does not include claims for passing off, unauthorised use of trademarks or false or misleading advertising. Previously cover was not restricted to defamation or the infringement of copyright or moral rights.Covered Amended Your own lossesChanges to ‘what is covered’ Losses from dishonesty. Your losses arising from the dishonesty of your employees, sub-contractors or outsourcers.Covered Not covered Area of cover Previous policy New policy Improvement in cover Cyber incident. We will not pay claims relating to an actual or possible cyber attack, hacker or social engineering communication. Previously we excluded any virus not specifically targeted at your system.Covered Not covered Computer or digital technology error. We will not pay claims arising from any negligent act, error or omission in the operation or maintenance of computer or digital technology such as development, installation, patching or upgrading.Covered Not coveredChanges to ‘what is not covered’ Infrastructure. We will not pay claims arising from the failure of the service provided by internet, telecommunications, utilities or other infrastructure providers.Covered Not covered Hiscox Insurance Summary of change Personal data. We will not pay claims relating to personal data. We will pay such claims where they arise from your performance ofa business activity and which is not otherwise excluded. Subject to the limit shown in the schedule.Covered Not covered Other important changes Control of defence. Under the previous wording we had a duty to defend you against any covered claim brought against you. We now have the right but not the obligation to take control of the conduct of the claim including the appointment of legal representation. Please refer to the policy wording for full details. SOC-PROF-UK-MAN(1) 21367 01/21
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9RTWGJWKIONM9_6MOR/OBG6
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(?<=Policy number - )[-\w_\/\.]+?(?= Company name)
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Monday 29 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 - RELADT8-2JGC Company name: Patel-Leach It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : RELADT8-2JGC. Company name: Patel-Leach. Your Hiscox Insurance premium. Last year’s annual premium: This year’s annual premium. £ 6,882.98. £ 6,882.98. The premium includes all applicable insurance premium tax (IPT). Dear Dr Jamie Graham. Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 25/11/23 . 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. £489.25. £489.25. Legal protection. £6,475.28. £6,475.28. 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 Patel-Leach , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay. . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover. Policy summary for each cover. ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover . As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before 25/11/23 . 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 : RELADT8-2JGC Company name: Patel-Leach . It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : RELADT8-2JGC Company name: Patel-Leach . Your Hiscox Insurance premium Last year’s annual premium: This year’s annual premium The premium includes all applicable insurance premium tax (IPT). £ 6,882.98 £ 6,882.98 . Your Hiscox Insurance premium . Last year’s annual premium: This year’s annual premium £ 6,882.98 £ 6,882.98 . The premium includes all applicable insurance premium tax (IPT). Dear Dr Jamie Graham . Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 25/11/23 . 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 £489.25 £489.25 Legal protection £6,475.28 £6,475.28 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 Patel-Leach , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover Policy summary for each cover ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before 25/11/23 . 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 25/11/23 . 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 £489.25 £489.25 Legal protection £6,475.28 £6,475.28 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 Patel-Leach , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover Policy summary for each cover ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before 25/11/23 . 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) £489.25 £6,475.28 £0.00 . This year’s annual Premium (exc IPT) £489.25 £6,475.28 . Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) . Professional indemnity £489.25 £489.25 . Legal protection £6,475.28 £6,475.28 . 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: Jamie Graham Frequency of collection: Annual Sort code: %BANK_SORT_CODE_1% Account number: %BANK_ACCOUNT_NUMBER_1% Your Direct Debit schedule We will take payments on the dates outlined below: Date Amount Tuesday 27 June, 2023 £6,882.98 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: RELADT8-2JGC If you have any questions about your policy or payments, please call us on 0800 280 0351. We’re here between 8:30am - 5:30pm Monday to Friday or you can email us at service@hiscox.co.uk. Using your personal information Hiscox isa trading name ofa number of Hiscox companies. The specific company acting asa data controller of your personal information will be listed in the documentation we provide to you. If you are unsure you can also contact us at anytime by telephoning 01904 681198 or by emailing us at dataprotectionofficer@hiscox.com. We collect and process information about you in order to provide insurance policies and to process claims. Your information is also used for business purposes such as fraud prevention and detection and financial management. This may involve sharing your information with, and obtaining information about you from, our group companies and third parties such as brokers, loss adjusters, credit reference agencies, service providers, professional advisors, our regulators or fraud prevention agencies. We may record telephone calls to help us monitor and improve the service we provide. For further information on how your information is used and your rights in relation to your information please see our privacy policy at www.hiscox.co.uk/cookies-privacy. The Direct Debit Guarantee This Guarantee is offered by all banks and building societies that accept instructions to pay Direct Debits. If there are any changes to the amount, date or frequency of your Direct Debit Hiscox Underwriting Ltd will notify you ten working days in advance of your account being debited or as otherwise agreed. If you request Hiscox Underwriting Ltd to collect a payment, confirmation of the amount and date will be given to you at the time of the request. If an error is made in the payment of your Direct Debit by Hiscox Underwriting Ltd or your bank or building society you are entitled to a full and immediate refund of the amount paid from your bank or building society. – If you receive a refund you are not entitled to, you must pay it back when Hiscox Underwriting Ltd asks you to. You can cancel a Direct Debit at anytime by simply contacting your bank or building society. Written confirmation maybe required. Please also notify us. Page / 1 Hiscox Business Insurance Policy summary JAC-PSC-UK-DC556(5.4) 17431b 07/20 Your Hiscox Business Insurance policy summaries This document contains the summaries for any policy covers you have selected to protect your business. These summaries outline the key information about your policies so you can be confident that you have understood what you have bought and what you are covered for. However, you should carefully read your policy in full and ensure that you understand its terms and conditions in full. If you have any queries, you should contact Hiscox or your insurance advisor. Your side of the bargain Remember, your premium and insurance are based on the details you have provided to us. Please make sure this information accurately reflects your business and that you inform us immediately if anything needs to change. Please also tell us of any changes in circumstances that may affect the services provided by us or the cover provided by your policy. This is particularly important before taking out a policy, but it also applies throughout the life of the policy too. You need to consider: ■if you fail to fairly present the risk to us, including by failing to disclose any information material to the insurance, you could invalidate the policy, claims may not be paid or the amount we pay maybe reduced; ■you should read and check all insurance documents to ensure that you are aware of the cover, limits and other terms that apply; ■if you fail to let us know of any changes to your circumstances during the period of insurance or, if when telling us about such changes you fail to present the risk to us fairly, you could invalidate the policy, claims may not be paid or the amount we pay maybe reduced; ■please be aware of all terms and conditions of your policy because failure to comply with them could invalidate it or result in us not paying a claim or reducing the amount we pay; ■in the event ofa claim, you should take note of the required procedures, such as giving Hiscox prompt notice of the claims, as stated in the policy documentation. In particular, if you fail to notify us when you first become aware ofa shortcoming, fact, or problem, admit you are liable for what has happened or appoint solicitors or other legal representation without our prior written approval, claims or defence costs may not be paid or the amount we pay maybe reduced; ■as with any insurance, you have an obligation to take reasonable steps to mitigate any loss or liability; ■if you make a fraudulent claim or try to deceive us, we may terminate the policy. Policy length The period of insurance is shown on your policy schedule. Your policy schedule will also show if the policy is ona continuing cover basis. If itis ona continuing cover basis, we will renew your policy each year for another 12 months and continue to take payment (including any premium adjustment shown in your renewal invitation) using your existing arrangement, unless you tell us otherwise or if your risk changes. If your policy schedule does not show that the policy is ona continuing cover basis, cover will cease at the end of the period of insurance, unless you renew your policy with us. We will provide you witha statement of fact each year and provided that the information contained within the statement of fact is true, complete and accurate, you do not need to provide us with any further information. If any of the information in your statement of fact is not true, complete and accurate, you must let us know. If you do not let us know, it may affect the validity of the policy or our ability to pay a claim. Retroactive dates, geographical and jurisdiction limits Where any section of your policy schedule includes a retroactive date, we will not make any payment for any claim or loss under that section which arises from any activity performed or any act, incident or occurrence taking place, before the retroactive date. Where any section of your policy schedule shows the geographical limits which apply to that section of the policy, we will only pay for claims and losses under that section which arise from activities performed or acts, incidents or occurrences taking place within those geographical limits. Where any section provides cover in respect of your liability to third parties, we will only cover claims first made ina country within the applicable courts stated in that section of your policy schedule. Hiscox Business Insurance Policy summary JAC-PSC-UK-DC556(5.4) 17431b 07/20 Cancellation rights You can cancel this policy by giving us 30 days' notice. You will only be charged for the premiums due up to the date of cancellation. If we need to cancel the policy, we’ll give you 30 days’ notice in writing and refund any surplus premiums you might have paid. Please note – we may deduct an administration fee from any refunded payment.There is an exception to our 30-day notice period, which is triggered when we don’t receive your Direct Debit payments within the agreed 14-day period. At this point, we will contact you as soon as possible and stop the policyPage / 2 immediately. Underwritten by:Hiscox Underwriting Ltd on behalf of the insurers named in the schedule. Page / 1 Certificate of professional indemnity insurance Patel-Leach Hiscox Underwriting Ltd of 1 Great St. Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Certificate of professional indemnity Insurance Policy number:RELADT8-2JGC Name of policy holder:Patel-Leach Period of insurance: From 25/11/23 to Sun 13 March, 2022 both days inclusive. This policy isa Continuing cover policy Insurer: Hiscox Insurance Company Limited Retroactive date: Mon 17 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: 25/11/23 Insurance details Policy number: RELADT8-2JGC Period of insurance: From 25/11/23 to Sun 13 March, 2022 both days inclusive. This policy isa Continuing cover policy. Insured: Patel-Leach Address: 86 Keith isle South Amberbury FARNHAM S39 9YS Additional insureds: None Business: Management Consultants Premium details Charged premium – the total amount you’ll pay for this policy. Charged premium: £5,057.22 Insurance Premium Tax (IPT): £7,277.97 Total charged premium: £6,882.98 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: £5,057.22 Insurance Premium Tax (IPT): £7,277.97 Annual total: £6,882.98 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 £489.25 Legal protection £100,000 £0 £6,475.28 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: 25/11/23 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 Mon 17 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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RELADT8-2JGC
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(?<=Policy number - )[-\w_\/\.]+?(?= Company name)
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25/11/23
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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 - 7Y76RD0/.CJEMLD0A8PVRZYZ Company name: Jones and Sons It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : 7Y76RD0/.CJEMLD0A8PVRZYZ. Company name: Jones and Sons. Your Hiscox Insurance premium. Last year’s annual premium: This year’s annual premium. £ 9,260.98. £ 9,260.98. The premium includes all applicable insurance premium tax (IPT). Dear Miss Stewart Butler. Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on Thursday 10 October, 2019 . Good news; if you want cover to continue with us and to make sure you stay protected by our award-winning cover, you do not need to do anything. We will update your policy onto our latest wording and continue to collect payment using the payment details we have for you. You must read the important information contained in this email and the attached documents. Your Hiscox Insurance Premium breakdown. The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). The amount shown as last year’s Annual premium will take into account any changes to the cover which may have been made during the last policy period. Cover. Last year’s annual premium (exc IPT). This year’s annual Premium (exc IPT). Professional indemnity. £5,935.60. £5,935.60. Legal protection. £4,229.21. £4,229.21. 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 Jones 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 Thursday 10 October, 2019 . We’re here between 8:30am - 5:30pm Monday to Friday . Please note that we can only discuss policy changes with people named on the policy. Why renew with Hiscox. - Reassuring: we offer a range of cover options that can be tailored to your needs. - Flexible: we offer full flexibility to change your policy, with no administration fees . - Award-winning cover : we’ve been named Best Small Business Insurer 7 years running by Start Your Business Magazine . Please click this link for the Hiscox Referral Portal: https://refer.aklamio.com/hiscox/uk?source=postpurchase. Thank you again for choosing Hiscox to insure your business. We hope you and your business have a very successful year. Kind regards. Jon Dye. CEO, Hiscox UK. Business Insurance for the small and the brave. To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre. Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. This email and any files transmitted with it are confidential and intended solely for the use of the individual or entity to whom they are addressed. No one else is authorised to distribute, forward, print, copy or act upon any information contained in this email. If you have received this email in error, please notify the sender. Hiscox Syndicates Limited and Hiscox Insurance Company Limited are authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Hiscox Underwriting Limited, Hiscox Underwriting Services Ltd, Hiscox MGA Ltd and Hiscox ASM Ltd are authorised and regulated by the Financial Conduct Authority. Hiscox Assure SAS is duly registered as an insurance broker with the ORIAS, which is the French Official Registry of Insurance Intermediaries. Hiscox plc is a company registered in England and Wales under company registration number 2837811 and registered office at 1 Great St Helen's, London EC3A 6HX. Hiscox SA is a company registered in Luxembourg at 35 Avenue John F. Kennedy 35F, Luxembourg L-1855, and is authorised by the Commissariat aux Assurances de Luxembourg. It’s time to renew your Hiscox Business Insurance Hiscox Insurance policy number : 7Y76RD0/.CJEMLD0A8PVRZYZ Company name: Jones and Sons . It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : 7Y76RD0/.CJEMLD0A8PVRZYZ Company name: Jones and Sons . Your Hiscox Insurance premium Last year’s annual premium: This year’s annual premium The premium includes all applicable insurance premium tax (IPT). £ 9,260.98 £ 9,260.98 . Your Hiscox Insurance premium . Last year’s annual premium: This year’s annual premium £ 9,260.98 £ 9,260.98 . The premium includes all applicable insurance premium tax (IPT). Dear Miss Stewart Butler . Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on Thursday 10 October, 2019 . Good news; if you want cover to continue with us and to make sure you stay protected by our award-winning cover, you do not need to do anything. We will update your policy onto our latest wording and continue to collect payment using the payment details we have for you. You must read the important information contained in this email and the attached documents Your Hiscox Insurance Premium breakdown The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). The amount shown as last year’s Annual premium will take into account any changes to the cover which may have been made during the last policy period. Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) Professional indemnity £5,935.60 £5,935.60 Legal protection £4,229.21 £4,229.21 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 Jones 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 Thursday 10 October, 2019 . We’re here between 8:30am - 5:30pm Monday to Friday . Please note that we can only discuss policy changes with people named on the policy. Why renew with Hiscox - Reassuring: we offer a range of cover options that can be tailored to your needs - Flexible: we offer full flexibility to change your policy, with no administration fees - Award-winning cover : we’ve been named Best Small Business Insurer 7 years running by Start Your Business Magazine Please click this link for the Hiscox Referral Portal: https://refer.aklamio.com/hiscox/uk?source=postpurchase Thank you again for choosing Hiscox to insure your business. We hope you and your business have a very successful year. Kind regards Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on Thursday 10 October, 2019 . Good news; if you want cover to continue with us and to make sure you stay protected by our award-winning cover, you do not need to do anything. We will update your policy onto our latest wording and continue to collect payment using the payment details we have for you. You must read the important information contained in this email and the attached documents Your Hiscox Insurance Premium breakdown The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). The amount shown as last year’s Annual premium will take into account any changes to the cover which may have been made during the last policy period. Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) Professional indemnity £5,935.60 £5,935.60 Legal protection £4,229.21 £4,229.21 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 Jones 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 Thursday 10 October, 2019 . We’re here between 8:30am - 5:30pm Monday to Friday . Please note that we can only discuss policy changes with people named on the policy. Why renew with Hiscox - Reassuring: we offer a range of cover options that can be tailored to your needs - Flexible: we offer full flexibility to change your policy, with no administration fees - Award-winning cover : we’ve been named Best Small Business Insurer 7 years running by Start Your Business Magazine Please click this link for the Hiscox Referral Portal: https://refer.aklamio.com/hiscox/uk?source=postpurchase Thank you again for choosing Hiscox to insure your business. We hope you and your business have a very successful year. Kind regards Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Your Hiscox Insurance Premium breakdown The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). Cover Professional indemnity Legal protection Crisis containment . Last year’s annual premium (exc IPT) £5,935.60 £4,229.21 £0.00 . This year’s annual Premium (exc IPT) £5,935.60 £4,229.21 . Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) . Professional indemnity £5,935.60 £5,935.60 . Legal protection £4,229.21 £4,229.21 . 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: Stewart Butler Frequency of collection: Annual Sort code: %BANK_SORT_CODE_1% Account number: %BANK_ACCOUNT_NUMBER_1% Your Direct Debit schedule We will take payments on the dates outlined below: Date Amount 03 September, 2022 £9,260.98 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: 7Y76RD0/.CJEMLD0A8PVRZYZ If you have any questions about your policy or payments, please call us on 0800 280 0351. We’re here between 8:30am - 5:30pm Monday to Friday or you can email us at service@hiscox.co.uk. Using your personal information Hiscox isa trading name ofa number of Hiscox companies. The specific company acting asa data controller of your personal information will be listed in the documentation we provide to you. If you are unsure you can also contact us at anytime by telephoning 01904 681198 or by emailing us at dataprotectionofficer@hiscox.com. We collect and process information about you in order to provide insurance policies and to process claims. Your information is also used for business purposes such as fraud prevention and detection and financial management. This may involve sharing your information with, and obtaining information about you from, our group companies and third parties such as brokers, loss adjusters, credit reference agencies, service providers, professional advisors, our regulators or fraud prevention agencies. We may record telephone calls to help us monitor and improve the service we provide. For further information on how your information is used and your rights in relation to your information please see our privacy policy at www.hiscox.co.uk/cookies-privacy. The Direct Debit Guarantee This Guarantee is offered by all banks and building societies that accept instructions to pay Direct Debits. If there are any changes to the amount, date or frequency of your Direct Debit Hiscox Underwriting Ltd will notify you ten working days in advance of your account being debited or as otherwise agreed. If you request Hiscox Underwriting Ltd to collect a payment, confirmation of the amount and date will be given to you at the time of the request. If an error is made in the payment of your Direct Debit by Hiscox Underwriting Ltd or your bank or building society you are entitled to a full and immediate refund of the amount paid from your bank or building society. – If you receive a refund you are not entitled to, you must pay it back when Hiscox Underwriting Ltd asks you to. You can cancel a Direct Debit at anytime by simply contacting your bank or building society. Written confirmation maybe required. Please also notify us. Page / 1 Hiscox Business Insurance Policy summary JAC-PSC-UK-DC556(5.4) 17431b 07/20 Your Hiscox Business Insurance policy summaries This document contains the summaries for any policy covers you have selected to protect your business. These summaries outline the key information about your policies so you can be confident that you have understood what you have bought and what you are covered for. However, you should carefully read your policy in full and ensure that you understand its terms and conditions in full. If you have any queries, you should contact Hiscox or your insurance advisor. Your side of the bargain Remember, your premium and insurance are based on the details you have provided to us. Please make sure this information accurately reflects your business and that you inform us immediately if anything needs to change. Please also tell us of any changes in circumstances that may affect the services provided by us or the cover provided by your policy. This is particularly important before taking out a policy, but it also applies throughout the life of the policy too. You need to consider: ■if you fail to fairly present the risk to us, including by failing to disclose any information material to the insurance, you could invalidate the policy, claims may not be paid or the amount we pay maybe reduced; ■you should read and check all insurance documents to ensure that you are aware of the cover, limits and other terms that apply; ■if you fail to let us know of any changes to your circumstances during the period of insurance or, if when telling us about such changes you fail to present the risk to us fairly, you could invalidate the policy, claims may not be paid or the amount we pay maybe reduced; ■please be aware of all terms and conditions of your policy because failure to comply with them could invalidate it or result in us not paying a claim or reducing the amount we pay; ■in the event ofa claim, you should take note of the required procedures, such as giving Hiscox prompt notice of the claims, as stated in the policy documentation. In particular, if you fail to notify us when you first become aware ofa shortcoming, fact, or problem, admit you are liable for what has happened or appoint solicitors or other legal representation without our prior written approval, claims or defence costs may not be paid or the amount we pay maybe reduced; ■as with any insurance, you have an obligation to take reasonable steps to mitigate any loss or liability; ■if you make a fraudulent claim or try to deceive us, we may terminate the policy. Policy length The period of insurance is shown on your policy schedule. Your policy schedule will also show if the policy is ona continuing cover basis. If itis ona continuing cover basis, we will renew your policy each year for another 12 months and continue to take payment (including any premium adjustment shown in your renewal invitation) using your existing arrangement, unless you tell us otherwise or if your risk changes. If your policy schedule does not show that the policy is ona continuing cover basis, cover will cease at the end of the period of insurance, unless you renew your policy with us. We will provide you witha statement of fact each year and provided that the information contained within the statement of fact is true, complete and accurate, you do not need to provide us with any further information. If any of the information in your statement of fact is not true, complete and accurate, you must let us know. If you do not let us know, it may affect the validity of the policy or our ability to pay a claim. Retroactive dates, geographical and jurisdiction limits Where any section of your policy schedule includes a retroactive date, we will not make any payment for any claim or loss under that section which arises from any activity performed or any act, incident or occurrence taking place, before the retroactive date. Where any section of your policy schedule shows the geographical limits which apply to that section of the policy, we will only pay for claims and losses under that section which arise from activities performed or acts, incidents or occurrences taking place within those geographical limits. Where any section provides cover in respect of your liability to third parties, we will only cover claims first made ina country within the applicable courts stated in that section of your policy schedule. Hiscox Business Insurance Policy summary JAC-PSC-UK-DC556(5.4) 17431b 07/20 Cancellation rights You can cancel this policy by giving us 30 days' notice. You will only be charged for the premiums due up to the date of cancellation. If we need to cancel the policy, we’ll give you 30 days’ notice in writing and refund any surplus premiums you might have paid. Please note – we may deduct an administration fee from any refunded payment.There is an exception to our 30-day notice period, which is triggered when we don’t receive your Direct Debit payments within the agreed 14-day period. At this point, we will contact you as soon as possible and stop the 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 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:7Y76RD0/.CJEMLD0A8PVRZYZ Name of policy holder:Jones and Sons Period of insurance: From Thursday 10 October, 2019 to Thursday 20 June, 2019 both days inclusive. This policy isa Continuing cover policy Insurer: Hiscox Insurance Company Limited Retroactive date: Thursday 19 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: Thursday 10 October, 2019 Insurance details Policy number: 7Y76RD0/.CJEMLD0A8PVRZYZ Period of insurance: From Thursday 10 October, 2019 to Thursday 20 June, 2019 both days inclusive. This policy isa Continuing cover policy. Insured: Jones and Sons Address: 47 Alex cliffs Lewismouth FARNHAM L0B 0UJ Additional insureds: None Business: Management Consultants Premium details Charged premium – the total amount you’ll pay for this policy. Charged premium: £6,823.22 Insurance Premium Tax (IPT): £6,228.34 Total charged premium: £9,260.98 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: £6,823.22 Insurance Premium Tax (IPT): £6,228.34 Annual total: £9,260.98 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 £5,935.60 Legal protection £100,000 £0 £4,229.21 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: Thursday 10 October, 2019 Limit of indemnity £1,000,000 Limit applies to in the aggregate, including all costs Excess £1,000 Excess applies to each and every claim or loss, including all costs Geographical limits Worldwide Applicable courts Worldwide (excluding United States of America and Canada) Claims brought in USA or Canada Not covered Additional covers (in addition to overall limit of indemnity stated above) Cover Limit of indemnity Limit applies to Court attendance compensation - employees £250 per person, per day Court attendance compensation - directors and partners£500 per person, per day Court attendance compensation: in total £100,000 in the aggregate Special limits (included within not in addition to the overall limit of indemnity stated above) Cover Limit of indemnity Limit applies to Personal data claims £250,000 in the aggregate, including all costs Business activities Business managementPage / 2 consultant Retroactive date Thursday 19 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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7Y76RD0/.CJEMLD0A8PVRZYZ
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Thursday 10 October, 2019
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2024-02-05
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Hiscox Business Insurance - Policy number - G2I_/5F/.F.2G Company name: Bond PLC It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : G2I_/5F/.F.2G. Company name: Bond PLC. Your Hiscox Insurance premium. Last year’s annual premium: This year’s annual premium. £ 9,221.88. £ 9,221.88. The premium includes all applicable insurance premium tax (IPT). Dear Dr Carolyn Hurst. Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 17 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. £9,099.66. £9,099.66. Legal protection. £8,814.32. £8,814.32. 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 Bond 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 17 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 : G2I_/5F/.F.2G Company name: Bond PLC . It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : G2I_/5F/.F.2G Company name: Bond PLC . Your Hiscox Insurance premium Last year’s annual premium: This year’s annual premium The premium includes all applicable insurance premium tax (IPT). £ 9,221.88 £ 9,221.88 . Your Hiscox Insurance premium . Last year’s annual premium: This year’s annual premium £ 9,221.88 £ 9,221.88 . The premium includes all applicable insurance premium tax (IPT). Dear Dr Carolyn Hurst . Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 17 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 £9,099.66 £9,099.66 Legal protection £8,814.32 £8,814.32 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 Bond 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 17 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 17 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 £9,099.66 £9,099.66 Legal protection £8,814.32 £8,814.32 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 Bond 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 17 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) £9,099.66 £8,814.32 £0.00 . This year’s annual Premium (exc IPT) £9,099.66 £8,814.32 . Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) . Professional indemnity £9,099.66 £9,099.66 . Legal protection £8,814.32 £8,814.32 . 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: Carolyn Hurst Frequency of collection: Annual Sort code: %BANK_SORT_CODE_1% Account number: %BANK_ACCOUNT_NUMBER_1% Your Direct Debit schedule We will take payments on the dates outlined below: Date Amount 28/06/21 £9,221.88 Where your chosen collection date falls ona non-working day then we will endeavour to collect the next working day. For your information, the collections will be made using the following reference number: Originator Identification Number: 293461 Reference Number: G2I_/5F/.F.2G If you have any questions about your policy or payments, please call us on 0800 280 0351. We’re here between 8:30am - 5:30pm Monday to Friday or you can email us at service@hiscox.co.uk. Using your personal information Hiscox isa trading name ofa number of Hiscox companies. The specific company acting asa data controller of your personal information will be listed in the documentation we provide to you. If you are unsure you can also contact us at anytime by telephoning 01904 681198 or by emailing us at dataprotectionofficer@hiscox.com. We collect and process information about you in order to provide insurance policies and to process claims. Your information is also used for business purposes such as fraud prevention and detection and financial management. This may involve sharing your information with, and obtaining information about you from, our group companies and third parties such as brokers, loss adjusters, credit reference agencies, service providers, professional advisors, our regulators or fraud prevention agencies. We may record telephone calls to help us monitor and improve the service we provide. For further information on how your information is used and your rights in relation to your information please see our privacy policy at www.hiscox.co.uk/cookies-privacy. The Direct Debit Guarantee This Guarantee is offered by all banks and building societies that accept instructions to pay Direct Debits. If there are any changes to the amount, date or frequency of your Direct Debit Hiscox Underwriting Ltd will notify you ten working days in advance of your account being debited or as otherwise agreed. If you request Hiscox Underwriting Ltd to collect a payment, confirmation of the amount and date will be given to you at the time of the request. If an error is made in the payment of your Direct Debit by Hiscox Underwriting Ltd or your bank or building society you are entitled to a full and immediate refund of the amount paid from your bank or building society. – If you receive a refund you are not entitled to, you must pay it back when Hiscox Underwriting Ltd asks you to. You can cancel a Direct Debit at anytime by simply contacting your bank or building society. Written confirmation maybe required. Please also notify us. Page / 1 Hiscox Business Insurance Policy summary JAC-PSC-UK-DC556(5.4) 17431b 07/20 Your Hiscox Business Insurance policy summaries This document contains the summaries for any policy covers you have selected to protect your business. These summaries outline the key information about your policies so you can be confident that you have understood what you have bought and what you are covered for. However, you should carefully read your policy in full and ensure that you understand its terms and conditions in full. If you have any queries, you should contact Hiscox or your insurance advisor. Your side of the bargain Remember, your premium and insurance are based on the details you have provided to us. Please make sure this information accurately reflects your business and that you inform us immediately if anything needs to change. Please also tell us of any changes in circumstances that may affect the services provided by us or the cover provided by your policy. This is particularly important before taking out a policy, but it also applies throughout the life of the policy too. You need to consider: ■if you fail to fairly present the risk to us, including by failing to disclose any information material to the insurance, you could invalidate the policy, claims may not be paid or the amount we pay maybe reduced; ■you should read and check all insurance documents to ensure that you are aware of the cover, limits and other terms that apply; ■if you fail to let us know of any changes to your circumstances during the period of insurance or, if when telling us about such changes you fail to present the risk to us fairly, you could invalidate the policy, claims may not be paid or the amount we pay maybe reduced; ■please be aware of all terms and conditions of your policy because failure to comply with them could invalidate it or result in us not paying a claim or reducing the amount we pay; ■in the event ofa claim, you should take note of the required procedures, such as giving Hiscox prompt notice of the claims, as stated in the policy documentation. In particular, if you fail to notify us when you first become aware ofa shortcoming, fact, or problem, admit you are liable for what has happened or appoint solicitors or other legal representation without our prior written approval, claims or defence costs may not be paid or the amount we pay maybe reduced; ■as with any insurance, you have an obligation to take reasonable steps to mitigate any loss or liability; ■if you make a fraudulent claim or try to deceive us, we may terminate the policy. Policy length The period of insurance is shown on your policy schedule. Your policy schedule will also show if the policy is ona continuing cover basis. If itis ona continuing cover basis, we will renew your policy each year for another 12 months and continue to take payment (including any premium adjustment shown in your renewal invitation) using your existing arrangement, unless you tell us otherwise or if your risk changes. If your policy schedule does not show that the policy is ona continuing cover basis, cover will cease at the end of the period of insurance, unless you renew your policy with us. We will provide you witha statement of fact each year and provided that the information contained within the statement of fact is true, complete and accurate, you do not need to provide us with any further information. If any of the information in your statement of fact is not true, complete and accurate, you must let us know. If you do not let us know, it may affect the validity of the policy or our ability to pay a claim. Retroactive dates, geographical and jurisdiction limits Where any section of your policy schedule includes a retroactive date, we will not make any payment for any claim or loss under that section which arises from any activity performed or any act, incident or occurrence taking place, before the retroactive date. Where any section of your policy schedule shows the geographical limits which apply to that section of the policy, we will only pay for claims and losses under that section which arise from activities performed or acts, incidents or occurrences taking place within those geographical limits. Where any section provides cover in respect of your liability to third parties, we will only cover claims first made ina country within the applicable courts stated in that section of your policy schedule. Hiscox Business Insurance Policy summary JAC-PSC-UK-DC556(5.4) 17431b 07/20 Cancellation rights You can cancel this policy by giving us 30 days' notice. You will only be charged for the premiums due up to the date of cancellation. If we need to cancel the policy, we’ll give you 30 days’ notice in writing and refund any surplus premiums you might have paid. Please note – we may deduct an administration fee from any refunded payment.There is an exception to our 30-day notice period, which is triggered when we don’t receive your Direct Debit payments within the agreed 14-day period. At this point, we will contact you as soon as possible and stop the 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 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:G2I_/5F/.F.2G Name of policy holder:Bond PLC Period of insurance: From 17 July, 2020 to Thu 07 May, 2020 both days inclusive. This policy isa Continuing cover policy Insurer: Hiscox Insurance Company Limited Retroactive date: 13/07/2022 Level of cover:£1,000,000 Signed on behalf of Hiscox Underwriting Limited as agent for the insurers Jon Dye CEO, Hiscox UK Notes: (a) This insurance is subject to policy terms and conditions and any special terms notified to the InsuredPage / 1 Hiscox Business Insurance Policy Schedule 14502 10/18 This schedule tells you what is insured with us. It should be read carefully with your policy wording(s) and statement of fact detailed elsewhere in this document. Schedule effective date: 17 July, 2020 Insurance details Policy number: G2I_/5F/.F.2G Period of insurance: From 17 July, 2020 to Thu 07 May, 2020 both days inclusive. This policy isa Continuing cover policy. Insured: Bond PLC Address: 99 Roberts turnpike West Davidton FARNHAM OL7M 5BP Additional insureds: None Business: Management Consultants Premium details Charged premium – the total amount you’ll pay for this policy. Charged premium: £3,190.33 Insurance Premium Tax (IPT): £5,921.97 Total charged premium: £9,221.88 Annualised premium – the annual premium for this policy. This is given for comparison purposes. Please refer to the charged premium section for the amount you’ll pay for the policy. Annual premium: £3,190.33 Insurance Premium Tax (IPT): £5,921.97 Annual total: £9,221.88 Please note that there will be no refund or additional premium for any transaction which is less than £20 (excluding IPT). Hiscox Business Insurance Policy Schedule 14502 10/18 Summary Claims information If you need to make a claim: - For claims relating to your building or contents please contact our claims team on 0800 247 1902, 9.00am – 5:30pm Monday to Friday. If you wish to make a claim online, you can log most claims quickly and easily through our claims notification portal at https://claims.hiscox.co.uk/. Outside of normal business hours, if you require emergency assistance in relation to substantial damage to your property, you can speak to our 24-hour emergency assistance team using the telephone number above. Your policy schedule will state if property cover is included in your policy. Our out-of-hours emergency assistance team operate ona pay-and-claim basis and you will need to have credit card details available as appropriate. The team will then be able to direct you to essential tradesmen, emergency loss adjusters or disaster management companies in the event of substantial damage. - If there isa claim (or potential claim) against you bya third party, please email us at liability.claims@hiscox.com. If you need to speak to a member of the claims team urgently, please call our team on 0800 711 7156, 9.00am – 5:30pm Monday to Friday. If you wish to make a claim online, you can log most claims quickly and easily through our claims notification portal at https://claims.hiscox.co.uk/. You will need to provide your full name and contact details, the name of your business or organisation, your address and postcode, the policy reference and circumstances of the claim. The Important information and contact details section below contains additional information specific to the covers applicable to your policy. If you are unsure of who to contact please call our team on 0800 711 7156, 9.00am – 5:30pm Monday to Friday. They will ensure you get through to the correct claims team and let you know what actions you need to take. If anything happens that might be covered under the policy, you must comply with the obligations set out in General claims conditions, together with the obligations set out under Your obligations in the section or sections under which you are making the claim. Itis important that you read the policy for details of its terms in full. Your covers This isa summary of each section of your policy. See each section for cover details. Cover Insurance amount Excess Annual Premium (exc IPT) Professional indemnity £1,000,000 £1,000 £9,099.66 Legal protection £100,000 £0 £8,814.32 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: 17 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 13/07/2022 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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G2I_/5F/.F.2G
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(?<=Policy number - )[-\w_\/\.]+?(?= Company name)
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17 July, 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 - WSVJFGLKG_X Company name: Murphy, Powell and Green It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : WSVJFGLKG_X. Company name: Murphy, Powell and Green. Your Hiscox Insurance premium. Last year’s annual premium: This year’s annual premium. £ 9,788.36. £ 9,788.36. The premium includes all applicable insurance premium tax (IPT). Dear Dr Mr Billy Taylor. Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on Sat 06 June, 2020 . Good news; if you want cover to continue with us and to make sure you stay protected by our award-winning cover, you do not need to do anything. We will update your policy onto our latest wording and continue to collect payment using the payment details we have for you. You must read the important information contained in this email and the attached documents. Your Hiscox Insurance Premium breakdown. The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). The amount shown as last year’s Annual premium will take into account any changes to the cover which may have been made during the last policy period. Cover. Last year’s annual premium (exc IPT). This year’s annual Premium (exc IPT). Professional indemnity. £1,025.56. £1,025.56. Legal protection. £8,259.63. £8,259.63. Crisis containment. £0.00. Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy . Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government increase in Insurance Premium Tax as shown. Is our information correct? Your premium and cover are based on what you’ve told us about Murphy, Powell and Green , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay. . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover. Policy summary for each cover. ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover . As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before Sat 06 June, 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 : WSVJFGLKG_X Company name: Murphy, Powell and Green . It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : WSVJFGLKG_X Company name: Murphy, Powell and Green . Your Hiscox Insurance premium Last year’s annual premium: This year’s annual premium The premium includes all applicable insurance premium tax (IPT). £ 9,788.36 £ 9,788.36 . Your Hiscox Insurance premium . Last year’s annual premium: This year’s annual premium £ 9,788.36 £ 9,788.36 . The premium includes all applicable insurance premium tax (IPT). Dear Dr Mr Billy Taylor . Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on Sat 06 June, 2020 . Good news; if you want cover to continue with us and to make sure you stay protected by our award-winning cover, you do not need to do anything. We will update your policy onto our latest wording and continue to collect payment using the payment details we have for you. You must read the important information contained in this email and the attached documents Your Hiscox Insurance Premium breakdown The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). The amount shown as last year’s Annual premium will take into account any changes to the cover which may have been made during the last policy period. Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) Professional indemnity £1,025.56 £1,025.56 Legal protection £8,259.63 £8,259.63 Crisis containment £0.00 Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government increase in Insurance Premium Tax as shown. Is our information correct? Your premium and cover are based on what you’ve told us about Murphy, Powell and Green , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover Policy summary for each cover ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before Sat 06 June, 2020 . We’re here between 8:30am - 5:30pm Monday to Friday . Please note that we can only discuss policy changes with people named on the policy. Why renew with Hiscox - Reassuring: we offer a range of cover options that can be tailored to your needs - Flexible: we offer full flexibility to change your policy, with no administration fees - Award-winning cover : we’ve been named Best Small Business Insurer 7 years running by Start Your Business Magazine Please click this link for the Hiscox Referral Portal: https://refer.aklamio.com/hiscox/uk?source=postpurchase Thank you again for choosing Hiscox to insure your business. We hope you and your business have a very successful year. Kind regards Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on Sat 06 June, 2020 . Good news; if you want cover to continue with us and to make sure you stay protected by our award-winning cover, you do not need to do anything. We will update your policy onto our latest wording and continue to collect payment using the payment details we have for you. You must read the important information contained in this email and the attached documents Your Hiscox Insurance Premium breakdown The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). The amount shown as last year’s Annual premium will take into account any changes to the cover which may have been made during the last policy period. Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) Professional indemnity £1,025.56 £1,025.56 Legal protection £8,259.63 £8,259.63 Crisis containment £0.00 Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government increase in Insurance Premium Tax as shown. Is our information correct? Your premium and cover are based on what you’ve told us about Murphy, Powell and Green , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover Policy summary for each cover ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before Sat 06 June, 2020 . We’re here between 8:30am - 5:30pm Monday to Friday . Please note that we can only discuss policy changes with people named on the policy. Why renew with Hiscox - Reassuring: we offer a range of cover options that can be tailored to your needs - Flexible: we offer full flexibility to change your policy, with no administration fees - Award-winning cover : we’ve been named Best Small Business Insurer 7 years running by Start Your Business Magazine Please click this link for the Hiscox Referral Portal: https://refer.aklamio.com/hiscox/uk?source=postpurchase Thank you again for choosing Hiscox to insure your business. We hope you and your business have a very successful year. Kind regards Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Your Hiscox Insurance Premium breakdown The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). Cover Professional indemnity Legal protection Crisis containment . Last year’s annual premium (exc IPT) £1,025.56 £8,259.63 £0.00 . This year’s annual Premium (exc IPT) £1,025.56 £8,259.63 . Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) . Professional indemnity £1,025.56 £1,025.56 . Legal protection £8,259.63 £8,259.63 . Crisis containment £0.00 . Kind regards Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre . Kind regards . Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave . To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre . Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Page / 1 Hiscox Business Insurance Policy wording 17431a - DC565 WORDING 04/17Guide to sectionsIntroduction Policy wordings General terms and conditions Professional indemnity for business management consultants Legal protection Crisis containment Hiscox Business Insurance Policy wording 17431a - DC565 WORDING 04/17IntroductionThank you for choosing Hiscox to protect your business. We hope that the language and layout of this policy wording are clear because we want you to understand the insurance we provide as well as the responsibilities we have to each other. Please read this document, including the policy schedule, policy summary and statement of fact, and let us know as soon as possible if any of the details are shown incorrectly. We always try to deliver to the highest standards of service. Your views are important to us, so if you feel that our service is below the standard you would expect from Hiscox, please contact us on the phone number shown in your policy schedule. Please note that some of the words we use in this insurance are shown in bold type. These words are defined in each section of the wording. Page / 1 Hiscox Insurance Payment schedule Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Thank you for continuing to pay for your policy by Direct Debit. Please check these details and let us know if anything is incorrect or if the schedule is not suitable. Your reference details Account holder name: Mr Billy 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 11/07/2021 £9,788.36 Where your chosen collection date falls ona non-working day then we will endeavour to collect the next working day. For your information, the collections will be made using the following reference number: Originator Identification Number: 293461 Reference Number: WSVJFGLKG_X If you have any questions about your policy or payments, please call us on 0800 280 0351. We’re here between 8:30am - 5:30pm Monday to Friday or you can email us at service@hiscox.co.uk. Using your personal information Hiscox isa trading name ofa number of Hiscox companies. The specific company acting asa data controller of your personal information will be listed in the documentation we provide to you. If you are unsure you can also contact us at anytime by telephoning 01904 681198 or by emailing us at dataprotectionofficer@hiscox.com. We collect and process information about you in order to provide insurance policies and to process claims. Your information is also used for business purposes such as fraud prevention and detection and financial management. This may involve sharing your information with, and obtaining information about you from, our group companies and third parties such as brokers, loss adjusters, credit reference agencies, service providers, professional advisors, our regulators or fraud prevention agencies. We may record telephone calls to help us monitor and improve the service we provide. For further information on how your information is used and your rights in relation to your information please see our privacy policy at www.hiscox.co.uk/cookies-privacy. The Direct Debit Guarantee This Guarantee is offered by all banks and building societies that accept instructions to pay Direct Debits. If there are any changes to the amount, date or frequency of your Direct Debit Hiscox Underwriting Ltd will notify you ten working days in advance of your account being debited or as otherwise agreed. If you request Hiscox Underwriting Ltd to collect a payment, confirmation of the amount and date will be given to you at the time of the request. If an error is made in the payment of your Direct Debit by Hiscox Underwriting Ltd or your bank or building society you are entitled to a full and immediate refund of the amount paid from your bank or building society. – If you receive a refund you are not entitled to, you must pay it back when Hiscox Underwriting Ltd asks you to. You can cancel a Direct Debit at anytime by simply contacting your bank or building society. Written confirmation maybe required. Please also notify us. Page / 1 Hiscox Business Insurance Policy summary JAC-PSC-UK-DC556(5.4) 17431b 07/20 Your Hiscox Business Insurance policy summaries This document contains the summaries for any policy covers you have selected to protect your business. These summaries outline the key information about your policies so you can be confident that you have understood what you have bought and what you are covered for. However, you should carefully read your policy in full and ensure that you understand its terms and conditions in full. If you have any queries, you should contact Hiscox or your insurance advisor. Your side of the bargain Remember, your premium and insurance are based on the details you have provided to us. Please make sure this information accurately reflects your business and that you inform us immediately if anything needs to change. Please also tell us of any changes in circumstances that may affect the services provided by us or the cover provided by your policy. This is particularly important before taking out a policy, but it also applies throughout the life of the policy too. You need to consider: ■if you fail to fairly present the risk to us, including by failing to disclose any information material to the insurance, you could invalidate the policy, claims may not be paid or the amount we pay maybe reduced; ■you should read and check all insurance documents to ensure that you are aware of the cover, limits and other terms that apply; ■if you fail to let us know of any changes to your circumstances during the period of insurance or, if when telling us about such changes you fail to present the risk to us fairly, you could invalidate the policy, claims may not be paid or the amount we pay maybe reduced; ■please be aware of all terms and conditions of your policy because failure to comply with them could invalidate it or result in us not paying a claim or reducing the amount we pay; ■in the event ofa claim, you should take note of the required procedures, such as giving Hiscox prompt notice of the claims, as stated in the policy documentation. In particular, if you fail to notify us when you first become aware ofa shortcoming, fact, or problem, admit you are liable for what has happened or appoint solicitors or other legal representation without our prior written approval, claims or defence costs may not be paid or the amount we pay maybe reduced; ■as with any insurance, you have an obligation to take reasonable steps to mitigate any loss or liability; ■if you make a fraudulent claim or try to deceive us, we may terminate the policy. Policy length The period of insurance is shown on your policy schedule. Your policy schedule will also show if the policy is ona continuing cover basis. If itis ona continuing cover basis, we will renew your policy each year for another 12 months and continue to take payment (including any premium adjustment shown in your renewal invitation) using your existing arrangement, unless you tell us otherwise or if your risk changes. If your policy schedule does not show that the policy is ona continuing cover basis, cover will cease at the end of the period of insurance, unless you renew your policy with us. We will provide you witha statement of fact each year and provided that the information contained within the statement of fact is true, complete and accurate, you do not need to provide us with any further information. If any of the information in your statement of fact is not true, complete and accurate, you must let us know. If you do not let us know, it may affect the validity of the policy or our ability to pay a claim. Retroactive dates, geographical and jurisdiction limits Where any section of your policy schedule includes a retroactive date, we will not make any payment for any claim or loss under that section which arises from any activity performed or any act, incident or occurrence taking place, before the retroactive date. Where any section of your policy schedule shows the geographical limits which apply to that section of the policy, we will only pay for claims and losses under that section which arise from activities performed or acts, incidents or occurrences taking place within those geographical limits. Where any section provides cover in respect of your liability to third parties, we will only cover claims first made ina country within the applicable courts stated in that section of your policy schedule. Hiscox Business Insurance Policy summary JAC-PSC-UK-DC556(5.4) 17431b 07/20 Cancellation rights You can cancel this policy by giving us 30 days' notice. You will only be charged for the premiums due up to the date of cancellation. If we need to cancel the policy, we’ll give you 30 days’ notice in writing and refund any surplus premiums you might have paid. Please note – we may deduct an administration fee from any refunded payment.There is an exception to our 30-day notice period, which is triggered when we don’t receive your Direct Debit payments within the agreed 14-day period. At this point, we will contact you as soon as possible and stop the policyPage / 2 immediately. Underwritten by:Hiscox Underwriting Ltd on behalf of the insurers named in the schedule. Page / 1 Certificate of professional indemnity insurance Murphy, Powell and Green Hiscox Underwriting Ltd of 1 Great St. Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Certificate of professional indemnity Insurance Policy number:WSVJFGLKG_X Name of policy holder:Murphy, Powell and Green Period of insurance: From Sat 06 June, 2020 to 24/06/21 both days inclusive. This policy isa Continuing cover policy Insurer: Hiscox Insurance Company Limited Retroactive date: 22/04/20 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: Sat 06 June, 2020 Insurance details Policy number: WSVJFGLKG_X Period of insurance: From Sat 06 June, 2020 to 24/06/21 both days inclusive. This policy isa Continuing cover policy. Insured: Murphy, Powell and Green Address: 214 Neil rest Lake Katefort FARNHAM L7 1SD Additional insureds: None Business: Management Consultants Premium details Charged premium – the total amount you’ll pay for this policy. Charged premium: £218.75 Insurance Premium Tax (IPT): £9,735.19 Total charged premium: £9,788.36 Annualised premium – the annual premium for this policy. This is given for comparison purposes. Please refer to the charged premium section for the amount you’ll pay for the policy. Annual premium: £218.75 Insurance Premium Tax (IPT): £9,735.19 Annual total: £9,788.36 Please note that there will be no refund or additional premium for any transaction which is less than £20 (excluding IPT). Hiscox Business Insurance Policy Schedule 14502 10/18 Summary Claims information If you need to make a claim: - For claims relating to your building or contents please contact our claims team on 0800 247 1902, 9.00am – 5:30pm Monday to Friday. If you wish to make a claim online, you can log most claims quickly and easily through our claims notification portal at https://claims.hiscox.co.uk/. Outside of normal business hours, if you require emergency assistance in relation to substantial damage to your property, you can speak to our 24-hour emergency assistance team using the telephone number above. Your policy schedule will state if property cover is included in your policy. Our out-of-hours emergency assistance team operate ona pay-and-claim basis and you will need to have credit card details available as appropriate. The team will then be able to direct you to essential tradesmen, emergency loss adjusters or disaster management companies in the event of substantial damage. - If there isa claim (or potential claim) against you bya third party, please email us at liability.claims@hiscox.com. If you need to speak to a member of the claims team urgently, please call our team on 0800 711 7156, 9.00am – 5:30pm Monday to Friday. If you wish to make a claim online, you can log most claims quickly and easily through our claims notification portal at https://claims.hiscox.co.uk/. You will need to provide your full name and contact details, the name of your business or organisation, your address and postcode, the policy reference and circumstances of the claim. The Important information and contact details section below contains additional information specific to the covers applicable to your policy. If you are unsure of who to contact please call our team on 0800 711 7156, 9.00am – 5:30pm Monday to Friday. They will ensure you get through to the correct claims team and let you know what actions you need to take. If anything happens that might be covered under the policy, you must comply with the obligations set out in General claims conditions, together with the obligations set out under Your obligations in the section or sections under which you are making the claim. Itis important that you read the policy for details of its terms in full. Your covers This isa summary of each section of your policy. See each section for cover details. Cover Insurance amount Excess Annual Premium (exc IPT) Professional indemnity £1,000,000 £1,000 £1,025.56 Legal protection £100,000 £0 £8,259.63 Crisis containment £25,000 - £0.00 The figures above are in summary only and are not in addition to the amount insured specified against each cover section below. Hiscox Business Insurance Policy Schedule 14502 10/18 SECTION: PROFESSIONAL INDEMNITY – MANAGEMENT CONSULTANTS Cover start date: Sat 06 June, 2020 Limit of indemnity £1,000,000 Limit applies to in the aggregate, including all costs Excess £1,000 Excess applies to each and every claim or loss, including all costs Geographical limits Worldwide Applicable courts Worldwide (excluding United States of America and Canada) Claims brought in USA or Canada Not covered Additional covers (in addition to overall limit of indemnity stated above) Cover Limit of indemnity Limit applies to Court attendance compensation - employees £250 per person, per day Court attendance compensation - directors and partners£500 per person, per day Court attendance compensation: in total £100,000 in the aggregate Special limits (included within not in addition to the overall limit of indemnity stated above) Cover Limit of indemnity Limit applies to Personal data claims £250,000 in the aggregate, including all costs Business activities Business managementPage / 2 consultant Retroactive date 22/04/20 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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Sat 06 June, 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 - 15FN2/L2TIUL-/JXXJ9TVJ Company name: Young-Harrison It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : 15FN2/L2TIUL-/JXXJ9TVJ. Company name: Young-Harrison. Your Hiscox Insurance premium. Last year’s annual premium: This year’s annual premium. £ 8,426.66. £ 8,426.66. The premium includes all applicable insurance premium tax (IPT). Dear Mr Mr Eric Pope. Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on Tue 08 February, 2022 . Good news; if you want cover to continue with us and to make sure you stay protected by our award-winning cover, you do not need to do anything. We will update your policy onto our latest wording and continue to collect payment using the payment details we have for you. You must read the important information contained in this email and the attached documents. Your Hiscox Insurance Premium breakdown. The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). The amount shown as last year’s Annual premium will take into account any changes to the cover which may have been made during the last policy period. Cover. Last year’s annual premium (exc IPT). This year’s annual Premium (exc IPT). Professional indemnity. £8,020.29. £8,020.29. Legal protection. £4,056.31. £4,056.31. Crisis containment. £0.00. Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy . Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government increase in Insurance Premium Tax as shown. Is our information correct? Your premium and cover are based on what you’ve told us about Young-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 Tue 08 February, 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 : 15FN2/L2TIUL-/JXXJ9TVJ Company name: Young-Harrison . It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : 15FN2/L2TIUL-/JXXJ9TVJ Company name: Young-Harrison . Your Hiscox Insurance premium Last year’s annual premium: This year’s annual premium The premium includes all applicable insurance premium tax (IPT). £ 8,426.66 £ 8,426.66 . Your Hiscox Insurance premium . Last year’s annual premium: This year’s annual premium £ 8,426.66 £ 8,426.66 . The premium includes all applicable insurance premium tax (IPT). Dear Mr Mr Eric Pope . Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on Tue 08 February, 2022 . Good news; if you want cover to continue with us and to make sure you stay protected by our award-winning cover, you do not need to do anything. We will update your policy onto our latest wording and continue to collect payment using the payment details we have for you. You must read the important information contained in this email and the attached documents Your Hiscox Insurance Premium breakdown The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). The amount shown as last year’s Annual premium will take into account any changes to the cover which may have been made during the last policy period. Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) Professional indemnity £8,020.29 £8,020.29 Legal protection £4,056.31 £4,056.31 Crisis containment £0.00 Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government increase in Insurance Premium Tax as shown. Is our information correct? Your premium and cover are based on what you’ve told us about Young-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 Tue 08 February, 2022 . We’re here between 8:30am - 5:30pm Monday to Friday . Please note that we can only discuss policy changes with people named on the policy. Why renew with Hiscox - Reassuring: we offer a range of cover options that can be tailored to your needs - Flexible: we offer full flexibility to change your policy, with no administration fees - Award-winning cover : we’ve been named Best Small Business Insurer 7 years running by Start Your Business Magazine Please click this link for the Hiscox Referral Portal: https://refer.aklamio.com/hiscox/uk?source=postpurchase Thank you again for choosing Hiscox to insure your business. We hope you and your business have a very successful year. Kind regards Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on Tue 08 February, 2022 . Good news; if you want cover to continue with us and to make sure you stay protected by our award-winning cover, you do not need to do anything. We will update your policy onto our latest wording and continue to collect payment using the payment details we have for you. You must read the important information contained in this email and the attached documents Your Hiscox Insurance Premium breakdown The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). The amount shown as last year’s Annual premium will take into account any changes to the cover which may have been made during the last policy period. Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) Professional indemnity £8,020.29 £8,020.29 Legal protection £4,056.31 £4,056.31 Crisis containment £0.00 Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government increase in Insurance Premium Tax as shown. Is our information correct? Your premium and cover are based on what you’ve told us about Young-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 Tue 08 February, 2022 . We’re here between 8:30am - 5:30pm Monday to Friday . Please note that we can only discuss policy changes with people named on the policy. Why renew with Hiscox - Reassuring: we offer a range of cover options that can be tailored to your needs - Flexible: we offer full flexibility to change your policy, with no administration fees - Award-winning cover : we’ve been named Best Small Business Insurer 7 years running by Start Your Business Magazine Please click this link for the Hiscox Referral Portal: https://refer.aklamio.com/hiscox/uk?source=postpurchase Thank you again for choosing Hiscox to insure your business. We hope you and your business have a very successful year. Kind regards Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Your Hiscox Insurance Premium breakdown The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). Cover Professional indemnity Legal protection Crisis containment . Last year’s annual premium (exc IPT) £8,020.29 £4,056.31 £0.00 . This year’s annual Premium (exc IPT) £8,020.29 £4,056.31 . Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) . Professional indemnity £8,020.29 £8,020.29 . Legal protection £4,056.31 £4,056.31 . Crisis containment £0.00 . Kind regards Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre . Kind regards . Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave . To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre . Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Page / 1 Hiscox Business Insurance Policy wording 17431a - DC565 WORDING 04/17Guide to sectionsIntroduction Policy wordings General terms and conditions Professional indemnity for business management consultants Legal protection Crisis containment Hiscox Business Insurance Policy wording 17431a - DC565 WORDING 04/17IntroductionThank you for choosing Hiscox to protect your business. We hope that the language and layout of this policy wording are clear because we want you to understand the insurance we provide as well as the responsibilities we have to each other. Please read this document, including the policy schedule, policy summary and statement of fact, and let us know as soon as possible if any of the details are shown incorrectly. We always try to deliver to the highest standards of service. Your views are important to us, so if you feel that our service is below the standard you would expect from Hiscox, please contact us on the phone number shown in your policy schedule. Please note that some of the words we use in this insurance are shown in bold type. These words are defined in each section of the wording. Page / 1 Hiscox Insurance Payment schedule Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Thank you for continuing to pay for your policy by Direct Debit. Please check these details and let us know if anything is incorrect or if the schedule is not suitable. Your reference details Account holder name: Mr Eric Pope Frequency of collection: Annual Sort code: %BANK_SORT_CODE_1% Account number: %BANK_ACCOUNT_NUMBER_1% Your Direct Debit schedule We will take payments on the dates outlined below: Date Amount 2020-11-30 £8,426.66 Where your chosen collection date falls ona non-working day then we will endeavour to collect the next working day. For your information, the collections will be made using the following reference number: Originator Identification Number: 293461 Reference Number: 15FN2/L2TIUL-/JXXJ9TVJ If you have any questions about your policy or payments, please call us on 0800 280 0351. We’re here between 8:30am - 5:30pm Monday to Friday or you can email us at service@hiscox.co.uk. Using your personal information Hiscox isa trading name ofa number of Hiscox companies. The specific company acting asa data controller of your personal information will be listed in the documentation we provide to you. If you are unsure you can also contact us at anytime by telephoning 01904 681198 or by emailing us at dataprotectionofficer@hiscox.com. We collect and process information about you in order to provide insurance policies and to process claims. Your information is also used for business purposes such as fraud prevention and detection and financial management. This may involve sharing your information with, and obtaining information about you from, our group companies and third parties such as brokers, loss adjusters, credit reference agencies, service providers, professional advisors, our regulators or fraud prevention agencies. We may record telephone calls to help us monitor and improve the service we provide. For further information on how your information is used and your rights in relation to your information please see our privacy policy at www.hiscox.co.uk/cookies-privacy. The Direct Debit Guarantee This Guarantee is offered by all banks and building societies that accept instructions to pay Direct Debits. If there are any changes to the amount, date or frequency of your Direct Debit Hiscox Underwriting Ltd will notify you ten working days in advance of your account being debited or as otherwise agreed. If you request Hiscox Underwriting Ltd to collect a payment, confirmation of the amount and date will be given to you at the time of the request. If an error is made in the payment of your Direct Debit by Hiscox Underwriting Ltd or your bank or building society you are entitled to a full and immediate refund of the amount paid from your bank or building society. – If you receive a refund you are not entitled to, you must pay it back when Hiscox Underwriting Ltd asks you to. You can cancel a Direct Debit at anytime by simply contacting your bank or building society. Written confirmation maybe required. Please also notify us. Page / 1 Hiscox Business Insurance Policy summary JAC-PSC-UK-DC556(5.4) 17431b 07/20 Your Hiscox Business Insurance policy summaries This document contains the summaries for any policy covers you have selected to protect your business. These summaries outline the key information about your policies so you can be confident that you have understood what you have bought and what you are covered for. However, you should carefully read your policy in full and ensure that you understand its terms and conditions in full. If you have any queries, you should contact Hiscox or your insurance advisor. Your side of the bargain Remember, your premium and insurance are based on the details you have provided to us. Please make sure this information accurately reflects your business and that you inform us immediately if anything needs to change. Please also tell us of any changes in circumstances that may affect the services provided by us or the cover provided by your policy. This is particularly important before taking out a policy, but it also applies throughout the life of the policy too. You need to consider: ■if you fail to fairly present the risk to us, including by failing to disclose any information material to the insurance, you could invalidate the policy, claims may not be paid or the amount we pay maybe reduced; ■you should read and check all insurance documents to ensure that you are aware of the cover, limits and other terms that apply; ■if you fail to let us know of any changes to your circumstances during the period of insurance or, if when telling us about such changes you fail to present the risk to us fairly, you could invalidate the policy, claims may not be paid or the amount we pay maybe reduced; ■please be aware of all terms and conditions of your policy because failure to comply with them could invalidate it or result in us not paying a claim or reducing the amount we pay; ■in the event ofa claim, you should take note of the required procedures, such as giving Hiscox prompt notice of the claims, as stated in the policy documentation. In particular, if you fail to notify us when you first become aware ofa shortcoming, fact, or problem, admit you are liable for what has happened or appoint solicitors or other legal representation without our prior written approval, claims or defence costs may not be paid or the amount we pay maybe reduced; ■as with any insurance, you have an obligation to take reasonable steps to mitigate any loss or liability; ■if you make a fraudulent claim or try to deceive us, we may terminate the policy. Policy length The period of insurance is shown on your policy schedule. Your policy schedule will also show if the policy is ona continuing cover basis. If itis ona continuing cover basis, we will renew your policy each year for another 12 months and continue to take payment (including any premium adjustment shown in your renewal invitation) using your existing arrangement, unless you tell us otherwise or if your risk changes. If your policy schedule does not show that the policy is ona continuing cover basis, cover will cease at the end of the period of insurance, unless you renew your policy with us. We will provide you witha statement of fact each year and provided that the information contained within the statement of fact is true, complete and accurate, you do not need to provide us with any further information. If any of the information in your statement of fact is not true, complete and accurate, you must let us know. If you do not let us know, it may affect the validity of the policy or our ability to pay a claim. Retroactive dates, geographical and jurisdiction limits Where any section of your policy schedule includes a retroactive date, we will not make any payment for any claim or loss under that section which arises from any activity performed or any act, incident or occurrence taking place, before the retroactive date. Where any section of your policy schedule shows the geographical limits which apply to that section of the policy, we will only pay for claims and losses under that section which arise from activities performed or acts, incidents or occurrences taking place within those geographical limits. Where any section provides cover in respect of your liability to third parties, we will only cover claims first made ina country within the applicable courts stated in that section of your policy schedule. Hiscox Business Insurance Policy summary JAC-PSC-UK-DC556(5.4) 17431b 07/20 Cancellation rights You can cancel this policy by giving us 30 days' notice. You will only be charged for the premiums due up to the date of cancellation. If we need to cancel the policy, we’ll give you 30 days’ notice in writing and refund any surplus premiums you might have paid. Please note – we may deduct an administration fee from any refunded payment.There is an exception to our 30-day notice period, which is triggered when we don’t receive your Direct Debit payments within the agreed 14-day period. At this point, we will contact you as soon as possible and stop the 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-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:15FN2/L2TIUL-/JXXJ9TVJ Name of policy holder:Young-Harrison Period of insurance: From Tue 08 February, 2022 to 18 April, 2025 both days inclusive. This policy isa Continuing cover policy Insurer: Hiscox Insurance Company Limited Retroactive date: Tuesday 02 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: Tue 08 February, 2022 Insurance details Policy number: 15FN2/L2TIUL-/JXXJ9TVJ Period of insurance: From Tue 08 February, 2022 to 18 April, 2025 both days inclusive. This policy isa Continuing cover policy. Insured: Young-Harrison Address: 8 Victoria shoal Kimland FARNHAM LA3N 2HH Additional insureds: None Business: Management Consultants Premium details Charged premium – the total amount you’ll pay for this policy. Charged premium: £9,669.08 Insurance Premium Tax (IPT): £5,649.32 Total charged premium: £8,426.66 Annualised premium – the annual premium for this policy. This is given for comparison purposes. Please refer to the charged premium section for the amount you’ll pay for the policy. Annual premium: £9,669.08 Insurance Premium Tax (IPT): £5,649.32 Annual total: £8,426.66 Please note that there will be no refund or additional premium for any transaction which is less than £20 (excluding IPT). Hiscox Business Insurance Policy Schedule 14502 10/18 Summary Claims information If you need to make a claim: - For claims relating to your building or contents please contact our claims team on 0800 247 1902, 9.00am – 5:30pm Monday to Friday. If you wish to make a claim online, you can log most claims quickly and easily through our claims notification portal at https://claims.hiscox.co.uk/. Outside of normal business hours, if you require emergency assistance in relation to substantial damage to your property, you can speak to our 24-hour emergency assistance team using the telephone number above. Your policy schedule will state if property cover is included in your policy. Our out-of-hours emergency assistance team operate ona pay-and-claim basis and you will need to have credit card details available as appropriate. The team will then be able to direct you to essential tradesmen, emergency loss adjusters or disaster management companies in the event of substantial damage. - If there isa claim (or potential claim) against you bya third party, please email us at liability.claims@hiscox.com. If you need to speak to a member of the claims team urgently, please call our team on 0800 711 7156, 9.00am – 5:30pm Monday to Friday. If you wish to make a claim online, you can log most claims quickly and easily through our claims notification portal at https://claims.hiscox.co.uk/. You will need to provide your full name and contact details, the name of your business or organisation, your address and postcode, the policy reference and circumstances of the claim. The Important information and contact details section below contains additional information specific to the covers applicable to your policy. If you are unsure of who to contact please call our team on 0800 711 7156, 9.00am – 5:30pm Monday to Friday. They will ensure you get through to the correct claims team and let you know what actions you need to take. If anything happens that might be covered under the policy, you must comply with the obligations set out in General claims conditions, together with the obligations set out under Your obligations in the section or sections under which you are making the claim. Itis important that you read the policy for details of its terms in full. Your covers This isa summary of each section of your policy. See each section for cover details. Cover Insurance amount Excess Annual Premium (exc IPT) Professional indemnity £1,000,000 £1,000 £8,020.29 Legal protection £100,000 £0 £4,056.31 Crisis containment £25,000 - £0.00 The figures above are in summary only and are not in addition to the amount insured specified against each cover section below. Hiscox Business Insurance Policy Schedule 14502 10/18 SECTION: PROFESSIONAL INDEMNITY – MANAGEMENT CONSULTANTS Cover start date: Tue 08 February, 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 02 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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15FN2/L2TIUL-/JXXJ9TVJ
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(?<=Policy number - )[-\w_\/\.]+?(?= Company name)
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Tue 08 February, 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 - ITZCH1SCBZ/50CDEDDETK-DSX Company name: Barlow-Walker It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : ITZCH1SCBZ/50CDEDDETK-DSX. Company name: Barlow-Walker. Your Hiscox Insurance premium. Last year’s annual premium: This year’s annual premium. £ 745.72. £ 745.72. The premium includes all applicable insurance premium tax (IPT). Dear Mrs Joanna O'Brien. Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on Wednesday 24 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. £3,474.02. £3,474.02. Legal protection. £6,905.22. £6,905.22. 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 Barlow-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 Wednesday 24 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 : ITZCH1SCBZ/50CDEDDETK-DSX Company name: Barlow-Walker . It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : ITZCH1SCBZ/50CDEDDETK-DSX Company name: Barlow-Walker . Your Hiscox Insurance premium Last year’s annual premium: This year’s annual premium The premium includes all applicable insurance premium tax (IPT). £ 745.72 £ 745.72 . Your Hiscox Insurance premium . Last year’s annual premium: This year’s annual premium £ 745.72 £ 745.72 . The premium includes all applicable insurance premium tax (IPT). Dear Mrs Joanna O'Brien . Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on Wednesday 24 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 £3,474.02 £3,474.02 Legal protection £6,905.22 £6,905.22 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 Barlow-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 Wednesday 24 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 Wednesday 24 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 £3,474.02 £3,474.02 Legal protection £6,905.22 £6,905.22 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 Barlow-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 Wednesday 24 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) £3,474.02 £6,905.22 £0.00 . This year’s annual Premium (exc IPT) £3,474.02 £6,905.22 . Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) . Professional indemnity £3,474.02 £3,474.02 . Legal protection £6,905.22 £6,905.22 . 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: Joanna O'Brien Frequency of collection: Annual Sort code: %BANK_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 December, 2021 £745.72 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: ITZCH1SCBZ/50CDEDDETK-DSX If you have any questions about your policy or payments, please call us on 0800 280 0351. We’re here between 8:30am - 5:30pm Monday to Friday or you can email us at service@hiscox.co.uk. Using your personal information Hiscox isa trading name ofa number of Hiscox companies. The specific company acting asa data controller of your personal information will be listed in the documentation we provide to you. If you are unsure you can also contact us at anytime by telephoning 01904 681198 or by emailing us at dataprotectionofficer@hiscox.com. We collect and process information about you in order to provide insurance policies and to process claims. Your information is also used for business purposes such as fraud prevention and detection and financial management. This may involve sharing your information with, and obtaining information about you from, our group companies and third parties such as brokers, loss adjusters, credit reference agencies, service providers, professional advisors, our regulators or fraud prevention agencies. We may record telephone calls to help us monitor and improve the service we provide. For further information on how your information is used and your rights in relation to your information please see our privacy policy at www.hiscox.co.uk/cookies-privacy. The Direct Debit Guarantee This Guarantee is offered by all banks and building societies that accept instructions to pay Direct Debits. If there are any changes to the amount, date or frequency of your Direct Debit Hiscox Underwriting Ltd will notify you ten working days in advance of your account being debited or as otherwise agreed. If you request Hiscox Underwriting Ltd to collect a payment, confirmation of the amount and date will be given to you at the time of the request. If an error is made in the payment of your Direct Debit by Hiscox Underwriting Ltd or your bank or building society you are entitled to a full and immediate refund of the amount paid from your bank or building society. – If you receive a refund you are not entitled to, you must pay it back when Hiscox Underwriting Ltd asks you to. You can cancel a Direct Debit at anytime by simply contacting your bank or building society. Written confirmation maybe required. Please also notify us. Page / 1 Hiscox Business Insurance Policy summary JAC-PSC-UK-DC556(5.4) 17431b 07/20 Your Hiscox Business Insurance policy summaries This document contains the summaries for any policy covers you have selected to protect your business. These summaries outline the key information about your policies so you can be confident that you have understood what you have bought and what you are covered for. However, you should carefully read your policy in full and ensure that you understand its terms and conditions in full. If you have any queries, you should contact Hiscox or your insurance advisor. Your side of the bargain Remember, your premium and insurance are based on the details you have provided to us. Please make sure this information accurately reflects your business and that you inform us immediately if anything needs to change. Please also tell us of any changes in circumstances that may affect the services provided by us or the cover provided by your policy. This is particularly important before taking out a policy, but it also applies throughout the life of the policy too. You need to consider: ■if you fail to fairly present the risk to us, including by failing to disclose any information material to the insurance, you could invalidate the policy, claims may not be paid or the amount we pay maybe reduced; ■you should read and check all insurance documents to ensure that you are aware of the cover, limits and other terms that apply; ■if you fail to let us know of any changes to your circumstances during the period of insurance or, if when telling us about such changes you fail to present the risk to us fairly, you could invalidate the policy, claims may not be paid or the amount we pay maybe reduced; ■please be aware of all terms and conditions of your policy because failure to comply with them could invalidate it or result in us not paying a claim or reducing the amount we pay; ■in the event ofa claim, you should take note of the required procedures, such as giving Hiscox prompt notice of the claims, as stated in the policy documentation. In particular, if you fail to notify us when you first become aware ofa shortcoming, fact, or problem, admit you are liable for what has happened or appoint solicitors or other legal representation without our prior written approval, claims or defence costs may not be paid or the amount we pay maybe reduced; ■as with any insurance, you have an obligation to take reasonable steps to mitigate any loss or liability; ■if you make a fraudulent claim or try to deceive us, we may terminate the policy. Policy length The period of insurance is shown on your policy schedule. Your policy schedule will also show if the policy is ona continuing cover basis. If itis ona continuing cover basis, we will renew your policy each year for another 12 months and continue to take payment (including any premium adjustment shown in your renewal invitation) using your existing arrangement, unless you tell us otherwise or if your risk changes. If your policy schedule does not show that the policy is ona continuing cover basis, cover will cease at the end of the period of insurance, unless you renew your policy with us. We will provide you witha statement of fact each year and provided that the information contained within the statement of fact is true, complete and accurate, you do not need to provide us with any further information. If any of the information in your statement of fact is not true, complete and accurate, you must let us know. If you do not let us know, it may affect the validity of the policy or our ability to pay a claim. Retroactive dates, geographical and jurisdiction limits Where any section of your policy schedule includes a retroactive date, we will not make any payment for any claim or loss under that section which arises from any activity performed or any act, incident or occurrence taking place, before the retroactive date. Where any section of your policy schedule shows the geographical limits which apply to that section of the policy, we will only pay for claims and losses under that section which arise from activities performed or acts, incidents or occurrences taking place within those geographical limits. Where any section provides cover in respect of your liability to third parties, we will only cover claims first made ina country within the applicable courts stated in that section of your policy schedule. Hiscox Business Insurance Policy summary JAC-PSC-UK-DC556(5.4) 17431b 07/20 Cancellation rights You can cancel this policy by giving us 30 days' notice. You will only be charged for the premiums due up to the date of cancellation. If we need to cancel the policy, we’ll give you 30 days’ notice in writing and refund any surplus premiums you might have paid. Please note – we may deduct an administration fee from any refunded payment.There is an exception to our 30-day notice period, which is triggered when we don’t receive your Direct Debit payments within the agreed 14-day period. At this point, we will contact you as soon as possible and stop the policyPage / 2 immediately. Underwritten by:Hiscox Underwriting Ltd on behalf of the insurers named in the schedule. Page / 1 Certificate of professional indemnity insurance Barlow-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:ITZCH1SCBZ/50CDEDDETK-DSX Name of policy holder:Barlow-Walker Period of insurance: From Wednesday 24 July, 2019 to 20 September, 2021 both days inclusive. This policy isa Continuing cover policy Insurer: Hiscox Insurance Company Limited Retroactive date: Sat 25 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: Wednesday 24 July, 2019 Insurance details Policy number: ITZCH1SCBZ/50CDEDDETK-DSX Period of insurance: From Wednesday 24 July, 2019 to 20 September, 2021 both days inclusive. This policy isa Continuing cover policy. Insured: Barlow-Walker Address: Flat 4 Martin plaza Ahmedstad FARNHAM TS3A 6PD Additional insureds: None Business: Management Consultants Premium details Charged premium – the total amount you’ll pay for this policy. Charged premium: £189.33 Insurance Premium Tax (IPT): £2,307.79 Total charged premium: £745.72 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: £189.33 Insurance Premium Tax (IPT): £2,307.79 Annual total: £745.72 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 £3,474.02 Legal protection £100,000 £0 £6,905.22 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: Wednesday 24 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 Sat 25 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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ITZCH1SCBZ/50CDEDDETK-DSX
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(?<=Policy number - )[-\w_\/\.]+?(?= Company name)
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Wednesday 24 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 - rebuk..xvqvmzljoblghe Company name: Mason, Fuller and Graham It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : rebuk..xvqvmzljoblghe. Company name: Mason, Fuller and Graham. Your Hiscox Insurance premium. Last year’s annual premium: This year’s annual premium. £ 6,536.25. £ 6,536.25. The premium includes all applicable insurance premium tax (IPT). Dear Miss Malcolm Yates. Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 06/09/2023 . Good news; if you want cover to continue with us and to make sure you stay protected by our award-winning cover, you do not need to do anything. We will update your policy onto our latest wording and continue to collect payment using the payment details we have for you. You must read the important information contained in this email and the attached documents. Your Hiscox Insurance Premium breakdown. The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). The amount shown as last year’s Annual premium will take into account any changes to the cover which may have been made during the last policy period. Cover. Last year’s annual premium (exc IPT). This year’s annual Premium (exc IPT). Professional indemnity. £5,695.50. £5,695.50. Legal protection. £9,671.29. £9,671.29. 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 Mason, Fuller 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 06/09/2023 . We’re here between 8:30am - 5:30pm Monday to Friday . Please note that we can only discuss policy changes with people named on the policy. Why renew with Hiscox. - Reassuring: we offer a range of cover options that can be tailored to your needs. - Flexible: we offer full flexibility to change your policy, with no administration fees . - Award-winning cover : we’ve been named Best Small Business Insurer 7 years running by Start Your Business Magazine . Please click this link for the Hiscox Referral Portal: https://refer.aklamio.com/hiscox/uk?source=postpurchase. Thank you again for choosing Hiscox to insure your business. We hope you and your business have a very successful year. Kind regards. Jon Dye. CEO, Hiscox UK. Business Insurance for the small and the brave. To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre. Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. This email and any files transmitted with it are confidential and intended solely for the use of the individual or entity to whom they are addressed. No one else is authorised to distribute, forward, print, copy or act upon any information contained in this email. If you have received this email in error, please notify the sender. Hiscox Syndicates Limited and Hiscox Insurance Company Limited are authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Hiscox Underwriting Limited, Hiscox Underwriting Services Ltd, Hiscox MGA Ltd and Hiscox ASM Ltd are authorised and regulated by the Financial Conduct Authority. Hiscox Assure SAS is duly registered as an insurance broker with the ORIAS, which is the French Official Registry of Insurance Intermediaries. Hiscox plc is a company registered in England and Wales under company registration number 2837811 and registered office at 1 Great St Helen's, London EC3A 6HX. Hiscox SA is a company registered in Luxembourg at 35 Avenue John F. Kennedy 35F, Luxembourg L-1855, and is authorised by the Commissariat aux Assurances de Luxembourg. It’s time to renew your Hiscox Business Insurance Hiscox Insurance policy number : rebuk..xvqvmzljoblghe Company name: Mason, Fuller and Graham . It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : rebuk..xvqvmzljoblghe Company name: Mason, Fuller 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). £ 6,536.25 £ 6,536.25 . Your Hiscox Insurance premium . Last year’s annual premium: This year’s annual premium £ 6,536.25 £ 6,536.25 . The premium includes all applicable insurance premium tax (IPT). Dear Miss Malcolm Yates . Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 06/09/2023 . Good news; if you want cover to continue with us and to make sure you stay protected by our award-winning cover, you do not need to do anything. We will update your policy onto our latest wording and continue to collect payment using the payment details we have for you. You must read the important information contained in this email and the attached documents Your Hiscox Insurance Premium breakdown The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). The amount shown as last year’s Annual premium will take into account any changes to the cover which may have been made during the last policy period. Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) Professional indemnity £5,695.50 £5,695.50 Legal protection £9,671.29 £9,671.29 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 Mason, Fuller 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 06/09/2023 . We’re here between 8:30am - 5:30pm Monday to Friday . Please note that we can only discuss policy changes with people named on the policy. Why renew with Hiscox - Reassuring: we offer a range of cover options that can be tailored to your needs - Flexible: we offer full flexibility to change your policy, with no administration fees - Award-winning cover : we’ve been named Best Small Business Insurer 7 years running by Start Your Business Magazine Please click this link for the Hiscox Referral Portal: https://refer.aklamio.com/hiscox/uk?source=postpurchase Thank you again for choosing Hiscox to insure your business. We hope you and your business have a very successful year. Kind regards Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 06/09/2023 . Good news; if you want cover to continue with us and to make sure you stay protected by our award-winning cover, you do not need to do anything. We will update your policy onto our latest wording and continue to collect payment using the payment details we have for you. You must read the important information contained in this email and the attached documents Your Hiscox Insurance Premium breakdown The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). The amount shown as last year’s Annual premium will take into account any changes to the cover which may have been made during the last policy period. Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) Professional indemnity £5,695.50 £5,695.50 Legal protection £9,671.29 £9,671.29 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 Mason, Fuller 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 06/09/2023 . We’re here between 8:30am - 5:30pm Monday to Friday . Please note that we can only discuss policy changes with people named on the policy. Why renew with Hiscox - Reassuring: we offer a range of cover options that can be tailored to your needs - Flexible: we offer full flexibility to change your policy, with no administration fees - Award-winning cover : we’ve been named Best Small Business Insurer 7 years running by Start Your Business Magazine Please click this link for the Hiscox Referral Portal: https://refer.aklamio.com/hiscox/uk?source=postpurchase Thank you again for choosing Hiscox to insure your business. We hope you and your business have a very successful year. Kind regards Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Your Hiscox Insurance Premium breakdown The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). Cover Professional indemnity Legal protection Crisis containment . Last year’s annual premium (exc IPT) £5,695.50 £9,671.29 £0.00 . This year’s annual Premium (exc IPT) £5,695.50 £9,671.29 . Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) . Professional indemnity £5,695.50 £5,695.50 . Legal protection £9,671.29 £9,671.29 . 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: Malcolm Yates Frequency of collection: Annual Sort code: %BANK_SORT_CODE_1% Account number: %BANK_ACCOUNT_NUMBER_1% Your Direct Debit schedule We will take payments on the dates outlined below: Date Amount 2022-09-02 £6,536.25 Where your chosen collection date falls ona non-working day then we will endeavour to collect the next working day. For your information, the collections will be made using the following reference number: Originator Identification Number: 293461 Reference Number: rebuk..xvqvmzljoblghe If you have any questions about your policy or payments, please call us on 0800 280 0351. We’re here between 8:30am - 5:30pm Monday to Friday or you can email us at service@hiscox.co.uk. Using your personal information Hiscox isa trading name ofa number of Hiscox companies. The specific company acting asa data controller of your personal information will be listed in the documentation we provide to you. If you are unsure you can also contact us at anytime by telephoning 01904 681198 or by emailing us at dataprotectionofficer@hiscox.com. We collect and process information about you in order to provide insurance policies and to process claims. Your information is also used for business purposes such as fraud prevention and detection and financial management. This may involve sharing your information with, and obtaining information about you from, our group companies and third parties such as brokers, loss adjusters, credit reference agencies, service providers, professional advisors, our regulators or fraud prevention agencies. We may record telephone calls to help us monitor and improve the service we provide. For further information on how your information is used and your rights in relation to your information please see our privacy policy at www.hiscox.co.uk/cookies-privacy. The Direct Debit Guarantee This Guarantee is offered by all banks and building societies that accept instructions to pay Direct Debits. If there are any changes to the amount, date or frequency of your Direct Debit Hiscox Underwriting Ltd will notify you ten working days in advance of your account being debited or as otherwise agreed. If you request Hiscox Underwriting Ltd to collect a payment, confirmation of the amount and date will be given to you at the time of the request. If an error is made in the payment of your Direct Debit by Hiscox Underwriting Ltd or your bank or building society you are entitled to a full and immediate refund of the amount paid from your bank or building society. – If you receive a refund you are not entitled to, you must pay it back when Hiscox Underwriting Ltd asks you to. You can cancel a Direct Debit at anytime by simply contacting your bank or building society. Written confirmation maybe required. Please also notify us. Page / 1 Hiscox Business Insurance Policy summary JAC-PSC-UK-DC556(5.4) 17431b 07/20 Your Hiscox Business Insurance policy summaries This document contains the summaries for any policy covers you have selected to protect your business. These summaries outline the key information about your policies so you can be confident that you have understood what you have bought and what you are covered for. However, you should carefully read your policy in full and ensure that you understand its terms and conditions in full. If you have any queries, you should contact Hiscox or your insurance advisor. Your side of the bargain Remember, your premium and insurance are based on the details you have provided to us. Please make sure this information accurately reflects your business and that you inform us immediately if anything needs to change. Please also tell us of any changes in circumstances that may affect the services provided by us or the cover provided by your policy. This is particularly important before taking out a policy, but it also applies throughout the life of the policy too. You need to consider: ■if you fail to fairly present the risk to us, including by failing to disclose any information material to the insurance, you could invalidate the policy, claims may not be paid or the amount we pay maybe reduced; ■you should read and check all insurance documents to ensure that you are aware of the cover, limits and other terms that apply; ■if you fail to let us know of any changes to your circumstances during the period of insurance or, if when telling us about such changes you fail to present the risk to us fairly, you could invalidate the policy, claims may not be paid or the amount we pay maybe reduced; ■please be aware of all terms and conditions of your policy because failure to comply with them could invalidate it or result in us not paying a claim or reducing the amount we pay; ■in the event ofa claim, you should take note of the required procedures, such as giving Hiscox prompt notice of the claims, as stated in the policy documentation. In particular, if you fail to notify us when you first become aware ofa shortcoming, fact, or problem, admit you are liable for what has happened or appoint solicitors or other legal representation without our prior written approval, claims or defence costs may not be paid or the amount we pay maybe reduced; ■as with any insurance, you have an obligation to take reasonable steps to mitigate any loss or liability; ■if you make a fraudulent claim or try to deceive us, we may terminate the policy. Policy length The period of insurance is shown on your policy schedule. Your policy schedule will also show if the policy is ona continuing cover basis. If itis ona continuing cover basis, we will renew your policy each year for another 12 months and continue to take payment (including any premium adjustment shown in your renewal invitation) using your existing arrangement, unless you tell us otherwise or if your risk changes. If your policy schedule does not show that the policy is ona continuing cover basis, cover will cease at the end of the period of insurance, unless you renew your policy with us. We will provide you witha statement of fact each year and provided that the information contained within the statement of fact is true, complete and accurate, you do not need to provide us with any further information. If any of the information in your statement of fact is not true, complete and accurate, you must let us know. If you do not let us know, it may affect the validity of the policy or our ability to pay a claim. Retroactive dates, geographical and jurisdiction limits Where any section of your policy schedule includes a retroactive date, we will not make any payment for any claim or loss under that section which arises from any activity performed or any act, incident or occurrence taking place, before the retroactive date. Where any section of your policy schedule shows the geographical limits which apply to that section of the policy, we will only pay for claims and losses under that section which arise from activities performed or acts, incidents or occurrences taking place within those geographical limits. Where any section provides cover in respect of your liability to third parties, we will only cover claims first made ina country within the applicable courts stated in that section of your policy schedule. Hiscox Business Insurance Policy summary JAC-PSC-UK-DC556(5.4) 17431b 07/20 Cancellation rights You can cancel this policy by giving us 30 days' notice. You will only be charged for the premiums due up to the date of cancellation. If we need to cancel the policy, we’ll give you 30 days’ notice in writing and refund any surplus premiums you might have paid. Please note – we may deduct an administration fee from any refunded payment.There is an exception to our 30-day notice period, which is triggered when we don’t receive your Direct Debit payments within the agreed 14-day period. At this point, we will contact you as soon as possible and stop the policyPage / 2 immediately. Underwritten by:Hiscox Underwriting Ltd on behalf of the insurers named in the schedule. Page / 1 Certificate of professional indemnity insurance Mason, Fuller 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:rebuk..xvqvmzljoblghe Name of policy holder:Mason, Fuller and Graham Period of insurance: From 06/09/2023 to 03/07/24 both days inclusive. This policy isa Continuing cover policy Insurer: Hiscox Insurance Company Limited Retroactive date: 2019-06-13 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: 06/09/2023 Insurance details Policy number: rebuk..xvqvmzljoblghe Period of insurance: From 06/09/2023 to 03/07/24 both days inclusive. This policy isa Continuing cover policy. Insured: Mason, Fuller and Graham Address: 277 Chamberlain burgs South Hilary FARNHAM M4 4AX Additional insureds: None Business: Management Consultants Premium details Charged premium – the total amount you’ll pay for this policy. Charged premium: £9,843.49 Insurance Premium Tax (IPT): £8,704.98 Total charged premium: £6,536.25 Annualised premium – the annual premium for this policy. This is given for comparison purposes. Please refer to the charged premium section for the amount you’ll pay for the policy. Annual premium: £9,843.49 Insurance Premium Tax (IPT): £8,704.98 Annual total: £6,536.25 Please note that there will be no refund or additional premium for any transaction which is less than £20 (excluding IPT). Hiscox Business Insurance Policy Schedule 14502 10/18 Summary Claims information If you need to make a claim: - For claims relating to your building or contents please contact our claims team on 0800 247 1902, 9.00am – 5:30pm Monday to Friday. If you wish to make a claim online, you can log most claims quickly and easily through our claims notification portal at https://claims.hiscox.co.uk/. Outside of normal business hours, if you require emergency assistance in relation to substantial damage to your property, you can speak to our 24-hour emergency assistance team using the telephone number above. Your policy schedule will state if property cover is included in your policy. Our out-of-hours emergency assistance team operate ona pay-and-claim basis and you will need to have credit card details available as appropriate. The team will then be able to direct you to essential tradesmen, emergency loss adjusters or disaster management companies in the event of substantial damage. - If there isa claim (or potential claim) against you bya third party, please email us at liability.claims@hiscox.com. If you need to speak to a member of the claims team urgently, please call our team on 0800 711 7156, 9.00am – 5:30pm Monday to Friday. If you wish to make a claim online, you can log most claims quickly and easily through our claims notification portal at https://claims.hiscox.co.uk/. You will need to provide your full name and contact details, the name of your business or organisation, your address and postcode, the policy reference and circumstances of the claim. The Important information and contact details section below contains additional information specific to the covers applicable to your policy. If you are unsure of who to contact please call our team on 0800 711 7156, 9.00am – 5:30pm Monday to Friday. They will ensure you get through to the correct claims team and let you know what actions you need to take. If anything happens that might be covered under the policy, you must comply with the obligations set out in General claims conditions, together with the obligations set out under Your obligations in the section or sections under which you are making the claim. Itis important that you read the policy for details of its terms in full. Your covers This isa summary of each section of your policy. See each section for cover details. Cover Insurance amount Excess Annual Premium (exc IPT) Professional indemnity £1,000,000 £1,000 £5,695.50 Legal protection £100,000 £0 £9,671.29 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: 06/09/2023 Limit of indemnity £1,000,000 Limit applies to in the aggregate, including all costs Excess £1,000 Excess applies to each and every claim or loss, including all costs Geographical limits Worldwide Applicable courts Worldwide (excluding United States of America and Canada) Claims brought in USA or Canada Not covered Additional covers (in addition to overall limit of indemnity stated above) Cover Limit of indemnity Limit applies to Court attendance compensation - employees £250 per person, per day Court attendance compensation - directors and partners£500 per person, per day Court attendance compensation: in total £100,000 in the aggregate Special limits (included within not in addition to the overall limit of indemnity stated above) Cover Limit of indemnity Limit applies to Personal data claims £250,000 in the aggregate, including all costs Business activities Business managementPage / 2 consultant Retroactive date 2019-06-13 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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rebuk..xvqvmzljoblghe
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06/09/2023
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2024-02-05
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hiscox-business-2
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Hiscox Business Insurance - Policy number - GX/DTNYVHBMTN Company name: Hussain, Lowe and Roberts It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : GX/DTNYVHBMTN. Company name: Hussain, Lowe and Roberts. Your Hiscox Insurance premium. Last year’s annual premium: This year’s annual premium. £ 694.34. £ 694.34. The premium includes all applicable insurance premium tax (IPT). Dear Ms Mark Dunn-North. Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 19 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. £422.65. £422.65. Legal protection. £4,370.84. £4,370.84. 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 Hussain, Lowe and Roberts , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay. . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover. Policy summary for each cover. ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover . As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before 19 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 : GX/DTNYVHBMTN Company name: Hussain, Lowe and Roberts . It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : GX/DTNYVHBMTN Company name: Hussain, Lowe and Roberts . Your Hiscox Insurance premium Last year’s annual premium: This year’s annual premium The premium includes all applicable insurance premium tax (IPT). £ 694.34 £ 694.34 . Your Hiscox Insurance premium . Last year’s annual premium: This year’s annual premium £ 694.34 £ 694.34 . The premium includes all applicable insurance premium tax (IPT). Dear Ms Mark Dunn-North . Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 19 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 £422.65 £422.65 Legal protection £4,370.84 £4,370.84 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 Hussain, Lowe and Roberts , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover Policy summary for each cover ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before 19 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 19 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 £422.65 £422.65 Legal protection £4,370.84 £4,370.84 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 Hussain, Lowe and Roberts , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover Policy summary for each cover ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before 19 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) £422.65 £4,370.84 £0.00 . This year’s annual Premium (exc IPT) £422.65 £4,370.84 . Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) . Professional indemnity £422.65 £422.65 . Legal protection £4,370.84 £4,370.84 . 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: Mark Dunn-North Frequency of collection: Annual Sort code: %BANK_SORT_CODE_1% Account number: %BANK_ACCOUNT_NUMBER_1% Your Direct Debit schedule We will take payments on the dates outlined below: Date Amount Sun 18 June, 2023 £694.34 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: GX/DTNYVHBMTN If you have any questions about your policy or payments, please call us on 0800 280 0351. We’re here between 8:30am - 5:30pm Monday to Friday or you can email us at service@hiscox.co.uk. Using your personal information Hiscox isa trading name ofa number of Hiscox companies. The specific company acting asa data controller of your personal information will be listed in the documentation we provide to you. If you are unsure you can also contact us at anytime by telephoning 01904 681198 or by emailing us at dataprotectionofficer@hiscox.com. We collect and process information about you in order to provide insurance policies and to process claims. Your information is also used for business purposes such as fraud prevention and detection and financial management. This may involve sharing your information with, and obtaining information about you from, our group companies and third parties such as brokers, loss adjusters, credit reference agencies, service providers, professional advisors, our regulators or fraud prevention agencies. We may record telephone calls to help us monitor and improve the service we provide. For further information on how your information is used and your rights in relation to your information please see our privacy policy at www.hiscox.co.uk/cookies-privacy. The Direct Debit Guarantee This Guarantee is offered by all banks and building societies that accept instructions to pay Direct Debits. If there are any changes to the amount, date or frequency of your Direct Debit Hiscox Underwriting Ltd will notify you ten working days in advance of your account being debited or as otherwise agreed. If you request Hiscox Underwriting Ltd to collect a payment, confirmation of the amount and date will be given to you at the time of the request. If an error is made in the payment of your Direct Debit by Hiscox Underwriting Ltd or your bank or building society you are entitled to a full and immediate refund of the amount paid from your bank or building society. – If you receive a refund you are not entitled to, you must pay it back when Hiscox Underwriting Ltd asks you to. You can cancel a Direct Debit at anytime by simply contacting your bank or building society. Written confirmation maybe required. Please also notify us. Page / 1 Hiscox Business Insurance Policy summary JAC-PSC-UK-DC556(5.4) 17431b 07/20 Your Hiscox Business Insurance policy summaries This document contains the summaries for any policy covers you have selected to protect your business. These summaries outline the key information about your policies so you can be confident that you have understood what you have bought and what you are covered for. However, you should carefully read your policy in full and ensure that you understand its terms and conditions in full. If you have any queries, you should contact Hiscox or your insurance advisor. Your side of the bargain Remember, your premium and insurance are based on the details you have provided to us. Please make sure this information accurately reflects your business and that you inform us immediately if anything needs to change. Please also tell us of any changes in circumstances that may affect the services provided by us or the cover provided by your policy. This is particularly important before taking out a policy, but it also applies throughout the life of the policy too. You need to consider: ■if you fail to fairly present the risk to us, including by failing to disclose any information material to the insurance, you could invalidate the policy, claims may not be paid or the amount we pay maybe reduced; ■you should read and check all insurance documents to ensure that you are aware of the cover, limits and other terms that apply; ■if you fail to let us know of any changes to your circumstances during the period of insurance or, if when telling us about such changes you fail to present the risk to us fairly, you could invalidate the policy, claims may not be paid or the amount we pay maybe reduced; ■please be aware of all terms and conditions of your policy because failure to comply with them could invalidate it or result in us not paying a claim or reducing the amount we pay; ■in the event ofa claim, you should take note of the required procedures, such as giving Hiscox prompt notice of the claims, as stated in the policy documentation. In particular, if you fail to notify us when you first become aware ofa shortcoming, fact, or problem, admit you are liable for what has happened or appoint solicitors or other legal representation without our prior written approval, claims or defence costs may not be paid or the amount we pay maybe reduced; ■as with any insurance, you have an obligation to take reasonable steps to mitigate any loss or liability; ■if you make a fraudulent claim or try to deceive us, we may terminate the policy. Policy length The period of insurance is shown on your policy schedule. Your policy schedule will also show if the policy is ona continuing cover basis. If itis ona continuing cover basis, we will renew your policy each year for another 12 months and continue to take payment (including any premium adjustment shown in your renewal invitation) using your existing arrangement, unless you tell us otherwise or if your risk changes. If your policy schedule does not show that the policy is ona continuing cover basis, cover will cease at the end of the period of insurance, unless you renew your policy with us. We will provide you witha statement of fact each year and provided that the information contained within the statement of fact is true, complete and accurate, you do not need to provide us with any further information. If any of the information in your statement of fact is not true, complete and accurate, you must let us know. If you do not let us know, it may affect the validity of the policy or our ability to pay a claim. Retroactive dates, geographical and jurisdiction limits Where any section of your policy schedule includes a retroactive date, we will not make any payment for any claim or loss under that section which arises from any activity performed or any act, incident or occurrence taking place, before the retroactive date. Where any section of your policy schedule shows the geographical limits which apply to that section of the policy, we will only pay for claims and losses under that section which arise from activities performed or acts, incidents or occurrences taking place within those geographical limits. Where any section provides cover in respect of your liability to third parties, we will only cover claims first made ina country within the applicable courts stated in that section of your policy schedule. Hiscox Business Insurance Policy summary JAC-PSC-UK-DC556(5.4) 17431b 07/20 Cancellation rights You can cancel this policy by giving us 30 days' notice. You will only be charged for the premiums due up to the date of cancellation. If we need to cancel the policy, we’ll give you 30 days’ notice in writing and refund any surplus premiums you might have paid. Please note – we may deduct an administration fee from any refunded payment.There is an exception to our 30-day notice period, which is triggered when we don’t receive your Direct Debit payments within the agreed 14-day period. At this point, we will contact you as soon as possible and stop the 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, Lowe and Roberts Hiscox Underwriting Ltd of 1 Great St. Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Certificate of professional indemnity Insurance Policy number:GX/DTNYVHBMTN Name of policy holder:Hussain, Lowe and Roberts Period of insurance: From 19 August, 2024 to 09/07/2025 both days inclusive. This policy isa Continuing cover policy Insurer: Hiscox Insurance Company Limited Retroactive date: 2022-06-30 Level of cover:£1,000,000 Signed on behalf of Hiscox Underwriting Limited as agent for the insurers Jon Dye CEO, Hiscox UK Notes: (a) This insurance is subject to policy terms and conditions and any special terms notified to the InsuredPage / 1 Hiscox Business Insurance Policy Schedule 14502 10/18 This schedule tells you what is insured 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 August, 2024 Insurance details Policy number: GX/DTNYVHBMTN Period of insurance: From 19 August, 2024 to 09/07/2025 both days inclusive. This policy isa Continuing cover policy. Insured: Hussain, Lowe and Roberts Address: Flat 6 Kathleen knoll Abbiefurt FARNHAM TF5N 7YR Additional insureds: None Business: Management Consultants Premium details Charged premium – the total amount you’ll pay for this policy. Charged premium: £3,016.74 Insurance Premium Tax (IPT): £3,529.63 Total charged premium: £694.34 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: £3,016.74 Insurance Premium Tax (IPT): £3,529.63 Annual total: £694.34 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 £422.65 Legal protection £100,000 £0 £4,370.84 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: 19 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 2022-06-30 Insurer Hiscox Insurance Company LimitedPage / 1 Hiscox Insurance Summary of change Introduction This document has been created to help you understand the key changes to your Hiscox Insurance policy and how they may impact you. Your policy continues to offer professional, tailored insurance to protect you and give you peace of mind that if you need us, you will be supported by our award winning claims team. If you have a query not covered by this document, or if you have any questions or concerns about your policy you should contact us. Frequently asked questions What if my circumstances change during the period of insurance? If your circumstances change during the period of insurance, you only need to let us know if the change means that any of the information in the Statement of Fact is no longer true, complete and accurate. If there are no such changes, you do not need to let us know. If any of the information within the Statement of Fact becomes no longer complete, true or accurate at any point during the period of insurance you must tell us as it may affect the validity of the policy or our ability to pay a claim. Additionally, if your contact details change then you should let us know straightaway. Where doI find the limits that apply to my policy? You can find your maximum allowable limits for turnover and wage rollin your Statement of Fact. You must check this information and tell us or your broker if you expect to exceed the maximum amounts shown. Please note these values may have changed. If there are special limits or special excesses applying to particular covers or types of losses these will be shown in the policy schedule. Please check your policy schedule carefully as they may have changed. My new schedule shows a different premium to last year? What has changed? If an underwriter has reviewed your policy then they may have manually adjusted your premium, for example if you’ve had claims in the last 12 months. Where doI find out about any endorsements on my policy? You will be able to see if an endorsement has been applied or removed by reviewing your Policy Schedule. If you have any queries or concerns, please contact us or your broker if you have one. Hiscox Insurance Summary of change Professional indemnity for business management consultants Summary of change Changes to the cover The following table shows the differences between our new policy wordings (5570 WD- PROF-UK-MAN(7), 15579 WD-PROF-UK-MAN-AG(3)) and our previous wordings (5570 WD-PROF-UK-MAN(6), 15579 WD-PROF-UK-MAN-AG(2)). This isa summary of the changes only. You should refer to the schedule and policy wording for the full description of the cover in place. Area of cover Previous policy New policy Improvement in cover Claims against you Advertising claims. We will pay claims arising from your advertising or branding for defamation or infringement of copyright or moral rights. This does not include claims for passing off, unauthorised use of trademarks or false or misleading advertising. Previously cover was not restricted to defamation or the infringement of copyright or moral rights.Covered Amended Your own lossesChanges to ‘what is covered’ Losses from dishonesty. Your losses arising from the dishonesty of your employees, sub-contractors or outsourcers.Covered Not covered Area of cover Previous policy New policy Improvement in cover Cyber incident. We will not pay claims relating to an actual or possible cyber attack, hacker or social engineering communication. Previously we excluded any virus not specifically targeted at your system.Covered Not covered Computer or digital technology error. We will not pay claims arising from any negligent act, error or omission in the operation or maintenance of computer or digital technology such as development, installation, patching or upgrading.Covered Not coveredChanges to ‘what is not covered’ Infrastructure. We will not pay claims arising from the failure of the service provided by internet, telecommunications, utilities or other infrastructure providers.Covered Not covered Hiscox Insurance Summary of change Personal data. We will not pay claims relating to personal data. We will pay such claims where they arise from your performance ofa business activity and which is not otherwise excluded. Subject to the limit shown in the schedule.Covered Not covered Other important changes Control of defence. Under the previous wording we had a duty to defend you against any covered claim brought against you. We now have the right but not the obligation to take control of the conduct of the 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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GX/DTNYVHBMTN
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(?<=Policy number - )[-\w_\/\.]+?(?= Company name)
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19 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 - LWO-EIASAV Company name: Wade, Lewis and Kennedy It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : LWO-EIASAV. Company name: Wade, Lewis and Kennedy. Your Hiscox Insurance premium. Last year’s annual premium: This year’s annual premium. £ 6,934.64. £ 6,934.64. The premium includes all applicable insurance premium tax (IPT). Dear Mr Mrs Paige Lynch. Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on Thu 11 January, 2024 . Good news; if you want cover to continue with us and to make sure you stay protected by our award-winning cover, you do not need to do anything. We will update your policy onto our latest wording and continue to collect payment using the payment details we have for you. You must read the important information contained in this email and the attached documents. Your Hiscox Insurance Premium breakdown. The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). The amount shown as last year’s Annual premium will take into account any changes to the cover which may have been made during the last policy period. Cover. Last year’s annual premium (exc IPT). This year’s annual Premium (exc IPT). Professional indemnity. £7,441.64. £7,441.64. Legal protection. £5,784.13. £5,784.13. 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 Wade, Lewis and Kennedy , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay. . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover. Policy summary for each cover. ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover . As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before Thu 11 January, 2024 . We’re here between 8:30am - 5:30pm Monday to Friday . Please note that we can only discuss policy changes with people named on the policy. Why renew with Hiscox. - Reassuring: we offer a range of cover options that can be tailored to your needs. - Flexible: we offer full flexibility to change your policy, with no administration fees . - Award-winning cover : we’ve been named Best Small Business Insurer 7 years running by Start Your Business Magazine . Please click this link for the Hiscox Referral Portal: https://refer.aklamio.com/hiscox/uk?source=postpurchase. Thank you again for choosing Hiscox to insure your business. We hope you and your business have a very successful year. Kind regards. Jon Dye. CEO, Hiscox UK. Business Insurance for the small and the brave. To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre. Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. This email and any files transmitted with it are confidential and intended solely for the use of the individual or entity to whom they are addressed. No one else is authorised to distribute, forward, print, copy or act upon any information contained in this email. If you have received this email in error, please notify the sender. Hiscox Syndicates Limited and Hiscox Insurance Company Limited are authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Hiscox Underwriting Limited, Hiscox Underwriting Services Ltd, Hiscox MGA Ltd and Hiscox ASM Ltd are authorised and regulated by the Financial Conduct Authority. Hiscox Assure SAS is duly registered as an insurance broker with the ORIAS, which is the French Official Registry of Insurance Intermediaries. Hiscox plc is a company registered in England and Wales under company registration number 2837811 and registered office at 1 Great St Helen's, London EC3A 6HX. Hiscox SA is a company registered in Luxembourg at 35 Avenue John F. Kennedy 35F, Luxembourg L-1855, and is authorised by the Commissariat aux Assurances de Luxembourg. It’s time to renew your Hiscox Business Insurance Hiscox Insurance policy number : LWO-EIASAV Company name: Wade, Lewis and Kennedy . It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : LWO-EIASAV Company name: Wade, Lewis and Kennedy . Your Hiscox Insurance premium Last year’s annual premium: This year’s annual premium The premium includes all applicable insurance premium tax (IPT). £ 6,934.64 £ 6,934.64 . Your Hiscox Insurance premium . Last year’s annual premium: This year’s annual premium £ 6,934.64 £ 6,934.64 . The premium includes all applicable insurance premium tax (IPT). Dear Mr Mrs Paige Lynch . Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on Thu 11 January, 2024 . Good news; if you want cover to continue with us and to make sure you stay protected by our award-winning cover, you do not need to do anything. We will update your policy onto our latest wording and continue to collect payment using the payment details we have for you. You must read the important information contained in this email and the attached documents Your Hiscox Insurance Premium breakdown The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). The amount shown as last year’s Annual premium will take into account any changes to the cover which may have been made during the last policy period. Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) Professional indemnity £7,441.64 £7,441.64 Legal protection £5,784.13 £5,784.13 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 Wade, Lewis and Kennedy , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover Policy summary for each cover ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before Thu 11 January, 2024 . We’re here between 8:30am - 5:30pm Monday to Friday . Please note that we can only discuss policy changes with people named on the policy. Why renew with Hiscox - Reassuring: we offer a range of cover options that can be tailored to your needs - Flexible: we offer full flexibility to change your policy, with no administration fees - Award-winning cover : we’ve been named Best Small Business Insurer 7 years running by Start Your Business Magazine Please click this link for the Hiscox Referral Portal: https://refer.aklamio.com/hiscox/uk?source=postpurchase Thank you again for choosing Hiscox to insure your business. We hope you and your business have a very successful year. Kind regards Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on Thu 11 January, 2024 . Good news; if you want cover to continue with us and to make sure you stay protected by our award-winning cover, you do not need to do anything. We will update your policy onto our latest wording and continue to collect payment using the payment details we have for you. You must read the important information contained in this email and the attached documents Your Hiscox Insurance Premium breakdown The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). The amount shown as last year’s Annual premium will take into account any changes to the cover which may have been made during the last policy period. Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) Professional indemnity £7,441.64 £7,441.64 Legal protection £5,784.13 £5,784.13 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 Wade, Lewis and Kennedy , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover Policy summary for each cover ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before Thu 11 January, 2024 . We’re here between 8:30am - 5:30pm Monday to Friday . Please note that we can only discuss policy changes with people named on the policy. Why renew with Hiscox - Reassuring: we offer a range of cover options that can be tailored to your needs - Flexible: we offer full flexibility to change your policy, with no administration fees - Award-winning cover : we’ve been named Best Small Business Insurer 7 years running by Start Your Business Magazine Please click this link for the Hiscox Referral Portal: https://refer.aklamio.com/hiscox/uk?source=postpurchase Thank you again for choosing Hiscox to insure your business. We hope you and your business have a very successful year. Kind regards Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Your Hiscox Insurance Premium breakdown The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). Cover Professional indemnity Legal protection Crisis containment . Last year’s annual premium (exc IPT) £7,441.64 £5,784.13 £0.00 . This year’s annual Premium (exc IPT) £7,441.64 £5,784.13 . Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) . Professional indemnity £7,441.64 £7,441.64 . Legal protection £5,784.13 £5,784.13 . 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: Mrs Paige Lynch Frequency of collection: Annual Sort code: %BANK_SORT_CODE_1% Account number: %BANK_ACCOUNT_NUMBER_1% Your Direct Debit schedule We will take payments on the dates outlined below: Date Amount 17/01/20 £6,934.64 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: LWO-EIASAV If you have any questions about your policy or payments, please call us on 0800 280 0351. We’re here between 8:30am - 5:30pm Monday to Friday or you can email us at service@hiscox.co.uk. Using your personal information Hiscox isa trading name ofa number of Hiscox companies. The specific company acting asa data controller of your personal information will be listed in the documentation we provide to you. If you are unsure you can also contact us at anytime by telephoning 01904 681198 or by emailing us at dataprotectionofficer@hiscox.com. We collect and process information about you in order to provide insurance policies and to process claims. Your information is also used for business purposes such as fraud prevention and detection and financial management. This may involve sharing your information with, and obtaining information about you from, our group companies and third parties such as brokers, loss adjusters, credit reference agencies, service providers, professional advisors, our regulators or fraud prevention agencies. We may record telephone calls to help us monitor and improve the service we provide. For further information on how your information is used and your rights in relation to your information please see our privacy policy at www.hiscox.co.uk/cookies-privacy. The Direct Debit Guarantee This Guarantee is offered by all banks and building societies that accept instructions to pay Direct Debits. If there are any changes to the amount, date or frequency of your Direct Debit Hiscox Underwriting Ltd will notify you ten working days in advance of your account being debited or as otherwise agreed. If you request Hiscox Underwriting Ltd to collect a payment, confirmation of the amount and date will be given to you at the time of the request. If an error is made in the payment of your Direct Debit by Hiscox Underwriting Ltd or your bank or building society you are entitled to a full and immediate refund of the amount paid from your bank or building society. – If you receive a refund you are not entitled to, you must pay it back when Hiscox Underwriting Ltd asks you to. You can cancel a Direct Debit at anytime by simply contacting your bank or building society. Written confirmation maybe required. Please also notify us. Page / 1 Hiscox Business Insurance Policy summary JAC-PSC-UK-DC556(5.4) 17431b 07/20 Your Hiscox Business Insurance policy summaries This document contains the summaries for any policy covers you have selected to protect your business. These summaries outline the key information about your policies so you can be confident that you have understood what you have bought and what you are covered for. However, you should carefully read your policy in full and ensure that you understand its terms and conditions in full. If you have any queries, you should contact Hiscox or your insurance advisor. Your side of the bargain Remember, your premium and insurance are based on the details you have provided to us. Please make sure this information accurately reflects your business and that you inform us immediately if anything needs to change. Please also tell us of any changes in circumstances that may affect the services provided by us or the cover provided by your policy. This is particularly important before taking out a policy, but it also applies throughout the life of the policy too. You need to consider: ■if you fail to fairly present the risk to us, including by failing to disclose any information material to the insurance, you could invalidate the policy, claims may not be paid or the amount we pay maybe reduced; ■you should read and check all insurance documents to ensure that you are aware of the cover, limits and other terms that apply; ■if you fail to let us know of any changes to your circumstances during the period of insurance or, if when telling us about such changes you fail to present the risk to us fairly, you could invalidate the policy, claims may not be paid or the amount we pay maybe reduced; ■please be aware of all terms and conditions of your policy because failure to comply with them could invalidate it or result in us not paying a claim or reducing the amount we pay; ■in the event ofa claim, you should take note of the required procedures, such as giving Hiscox prompt notice of the claims, as stated in the policy documentation. In particular, if you fail to notify us when you first become aware ofa shortcoming, fact, or problem, admit you are liable for what has happened or appoint solicitors or other legal representation without our prior written approval, claims or defence costs may not be paid or the amount we pay maybe reduced; ■as with any insurance, you have an obligation to take reasonable steps to mitigate any loss or liability; ■if you make a fraudulent claim or try to deceive us, we may terminate the policy. Policy length The period of insurance is shown on your policy schedule. Your policy schedule will also show if the policy is ona continuing cover basis. If itis ona continuing cover basis, we will renew your policy each year for another 12 months and continue to take payment (including any premium adjustment shown in your renewal invitation) using your existing arrangement, unless you tell us otherwise or if your risk changes. If your policy schedule does not show that the policy is ona continuing cover basis, cover will cease at the end of the period of insurance, unless you renew your policy with us. We will provide you witha statement of fact each year and provided that the information contained within the statement of fact is true, complete and accurate, you do not need to provide us with any further information. If any of the information in your statement of fact is not true, complete and accurate, you must let us know. If you do not let us know, it may affect the validity of the policy or our ability to pay a claim. Retroactive dates, geographical and jurisdiction limits Where any section of your policy schedule includes a retroactive date, we will not make any payment for any claim or loss under that section which arises from any activity performed or any act, incident or occurrence taking place, before the retroactive date. Where any section of your policy schedule shows the geographical limits which apply to that section of the policy, we will only pay for claims and losses under that section which arise from activities performed or acts, incidents or occurrences taking place within those geographical limits. Where any section provides cover in respect of your liability to third parties, we will only cover claims first made ina country within the applicable courts stated in that section of your policy schedule. Hiscox Business Insurance Policy summary JAC-PSC-UK-DC556(5.4) 17431b 07/20 Cancellation rights You can cancel this policy by giving us 30 days' notice. You will only be charged for the premiums due up to the date of cancellation. If we need to cancel the policy, we’ll give you 30 days’ notice in writing and refund any surplus premiums you might have paid. Please note – we may deduct an administration fee from any refunded payment.There is an exception to our 30-day notice period, which is triggered when we don’t receive your Direct Debit payments within the agreed 14-day period. At this point, we will contact you as soon as possible and stop the policyPage / 2 immediately. Underwritten by:Hiscox Underwriting Ltd on behalf of the insurers named in the schedule. Page / 1 Certificate of professional indemnity insurance Wade, Lewis and Kennedy Hiscox Underwriting Ltd of 1 Great St. Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Certificate of professional indemnity Insurance Policy number:LWO-EIASAV Name of policy holder:Wade, Lewis and Kennedy Period of insurance: From Thu 11 January, 2024 to 22/03/24 both days inclusive. This policy isa Continuing cover policy Insurer: Hiscox Insurance Company Limited Retroactive date: 25/01/2020 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: Thu 11 January, 2024 Insurance details Policy number: LWO-EIASAV Period of insurance: From Thu 11 January, 2024 to 22/03/24 both days inclusive. This policy isa Continuing cover policy. Insured: Wade, Lewis and Kennedy Address: 7 Barry lake East Leannehaven FARNHAM TA2 5PR Additional insureds: None Business: Management Consultants Premium details Charged premium – the total amount you’ll pay for this policy. Charged premium: £2,741.74 Insurance Premium Tax (IPT): £2,061.29 Total charged premium: £6,934.64 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: £2,741.74 Insurance Premium Tax (IPT): £2,061.29 Annual total: £6,934.64 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 £7,441.64 Legal protection £100,000 £0 £5,784.13 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: Thu 11 January, 2024 Limit of indemnity £1,000,000 Limit applies to in the aggregate, including all costs Excess £1,000 Excess applies to each and every claim or loss, including all costs Geographical limits Worldwide Applicable courts Worldwide (excluding United States of America and Canada) Claims brought in USA or Canada Not covered Additional covers (in addition to overall limit of indemnity stated above) Cover Limit of indemnity Limit applies to Court attendance compensation - employees £250 per person, per day Court attendance compensation - directors and partners£500 per person, per day Court attendance compensation: in total £100,000 in the aggregate Special limits (included within not in addition to the overall limit of indemnity stated above) Cover Limit of indemnity Limit applies to Personal data claims £250,000 in the aggregate, including all costs Business activities Business managementPage / 2 consultant Retroactive date 25/01/2020 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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LWO-EIASAV
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Thu 11 January, 2024
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Hiscox Business Insurance - Policy number - FR7QBJSG9X387JV1M39N Company name: Archer, Hyde and Cole It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : FR7QBJSG9X387JV1M39N. Company name: Archer, Hyde and Cole. Your Hiscox Insurance premium. Last year’s annual premium: This year’s annual premium. £ 2,113.78. £ 2,113.78. The premium includes all applicable insurance premium tax (IPT). Dear Dr Mrs Beverley Lee. Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 2023-11-28 . Good news; if you want cover to continue with us and to make sure you stay protected by our award-winning cover, you do not need to do anything. We will update your policy onto our latest wording and continue to collect payment using the payment details we have for you. You must read the important information contained in this email and the attached documents. Your Hiscox Insurance Premium breakdown. The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). The amount shown as last year’s Annual premium will take into account any changes to the cover which may have been made during the last policy period. Cover. Last year’s annual premium (exc IPT). This year’s annual Premium (exc IPT). Professional indemnity. £5,369.26. £5,369.26. Legal protection. £5,330.74. £5,330.74. 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 Archer, Hyde and Cole , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay. . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover. Policy summary for each cover. ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover . As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before 2023-11-28 . We’re here between 8:30am - 5:30pm Monday to Friday . Please note that we can only discuss policy changes with people named on the policy. Why renew with Hiscox. - Reassuring: we offer a range of cover options that can be tailored to your needs. - Flexible: we offer full flexibility to change your policy, with no administration fees . - Award-winning cover : we’ve been named Best Small Business Insurer 7 years running by Start Your Business Magazine . Please click this link for the Hiscox Referral Portal: https://refer.aklamio.com/hiscox/uk?source=postpurchase. Thank you again for choosing Hiscox to insure your business. We hope you and your business have a very successful year. Kind regards. Jon Dye. CEO, Hiscox UK. Business Insurance for the small and the brave. To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre. Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. This email and any files transmitted with it are confidential and intended solely for the use of the individual or entity to whom they are addressed. No one else is authorised to distribute, forward, print, copy or act upon any information contained in this email. If you have received this email in error, please notify the sender. Hiscox Syndicates Limited and Hiscox Insurance Company Limited are authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Hiscox Underwriting Limited, Hiscox Underwriting Services Ltd, Hiscox MGA Ltd and Hiscox ASM Ltd are authorised and regulated by the Financial Conduct Authority. Hiscox Assure SAS is duly registered as an insurance broker with the ORIAS, which is the French Official Registry of Insurance Intermediaries. Hiscox plc is a company registered in England and Wales under company registration number 2837811 and registered office at 1 Great St Helen's, London EC3A 6HX. Hiscox SA is a company registered in Luxembourg at 35 Avenue John F. Kennedy 35F, Luxembourg L-1855, and is authorised by the Commissariat aux Assurances de Luxembourg. It’s time to renew your Hiscox Business Insurance Hiscox Insurance policy number : FR7QBJSG9X387JV1M39N Company name: Archer, Hyde and Cole . It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : FR7QBJSG9X387JV1M39N Company name: Archer, Hyde and Cole . Your Hiscox Insurance premium Last year’s annual premium: This year’s annual premium The premium includes all applicable insurance premium tax (IPT). £ 2,113.78 £ 2,113.78 . Your Hiscox Insurance premium . Last year’s annual premium: This year’s annual premium £ 2,113.78 £ 2,113.78 . The premium includes all applicable insurance premium tax (IPT). Dear Dr Mrs Beverley Lee . Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 2023-11-28 . Good news; if you want cover to continue with us and to make sure you stay protected by our award-winning cover, you do not need to do anything. We will update your policy onto our latest wording and continue to collect payment using the payment details we have for you. You must read the important information contained in this email and the attached documents Your Hiscox Insurance Premium breakdown The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). The amount shown as last year’s Annual premium will take into account any changes to the cover which may have been made during the last policy period. Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) Professional indemnity £5,369.26 £5,369.26 Legal protection £5,330.74 £5,330.74 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 Archer, Hyde and Cole , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover Policy summary for each cover ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before 2023-11-28 . We’re here between 8:30am - 5:30pm Monday to Friday . Please note that we can only discuss policy changes with people named on the policy. Why renew with Hiscox - Reassuring: we offer a range of cover options that can be tailored to your needs - Flexible: we offer full flexibility to change your policy, with no administration fees - Award-winning cover : we’ve been named Best Small Business Insurer 7 years running by Start Your Business Magazine Please click this link for the Hiscox Referral Portal: https://refer.aklamio.com/hiscox/uk?source=postpurchase Thank you again for choosing Hiscox to insure your business. We hope you and your business have a very successful year. Kind regards Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 2023-11-28 . Good news; if you want cover to continue with us and to make sure you stay protected by our award-winning cover, you do not need to do anything. We will update your policy onto our latest wording and continue to collect payment using the payment details we have for you. You must read the important information contained in this email and the attached documents Your Hiscox Insurance Premium breakdown The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). The amount shown as last year’s Annual premium will take into account any changes to the cover which may have been made during the last policy period. Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) Professional indemnity £5,369.26 £5,369.26 Legal protection £5,330.74 £5,330.74 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 Archer, Hyde and Cole , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover Policy summary for each cover ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before 2023-11-28 . We’re here between 8:30am - 5:30pm Monday to Friday . Please note that we can only discuss policy changes with people named on the policy. Why renew with Hiscox - Reassuring: we offer a range of cover options that can be tailored to your needs - Flexible: we offer full flexibility to change your policy, with no administration fees - Award-winning cover : we’ve been named Best Small Business Insurer 7 years running by Start Your Business Magazine Please click this link for the Hiscox Referral Portal: https://refer.aklamio.com/hiscox/uk?source=postpurchase Thank you again for choosing Hiscox to insure your business. We hope you and your business have a very successful year. Kind regards Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Your Hiscox Insurance Premium breakdown The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). Cover Professional indemnity Legal protection Crisis containment . Last year’s annual premium (exc IPT) £5,369.26 £5,330.74 £0.00 . This year’s annual Premium (exc IPT) £5,369.26 £5,330.74 . Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) . Professional indemnity £5,369.26 £5,369.26 . Legal protection £5,330.74 £5,330.74 . 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: Mrs Beverley Lee Frequency of collection: Annual Sort code: %BANK_SORT_CODE_1% Account number: %BANK_ACCOUNT_NUMBER_1% Your Direct Debit schedule We will take payments on the dates outlined below: Date Amount 03 September, 2023 £2,113.78 Where your chosen collection date falls ona non-working day then we will endeavour to collect the next working day. For your information, the collections will be made using the following reference number: Originator Identification Number: 293461 Reference Number: FR7QBJSG9X387JV1M39N If you have any questions about your policy or payments, please call us on 0800 280 0351. We’re here between 8:30am - 5:30pm Monday to Friday or you can email us at service@hiscox.co.uk. Using your personal information Hiscox isa trading name ofa number of Hiscox companies. The specific company acting asa data controller of your personal information will be listed in the documentation we provide to you. If you are unsure you can also contact us at anytime by telephoning 01904 681198 or by emailing us at dataprotectionofficer@hiscox.com. We collect and process information about you in order to provide insurance policies and to process claims. Your information is also used for business purposes such as fraud prevention and detection and financial management. This may involve sharing your information with, and obtaining information about you from, our group companies and third parties such as brokers, loss adjusters, credit reference agencies, service providers, professional advisors, our regulators or fraud prevention agencies. We may record telephone calls to help us monitor and improve the service we provide. For further information on how your information is used and your rights in relation to your information please see our privacy policy at www.hiscox.co.uk/cookies-privacy. The Direct Debit Guarantee This Guarantee is offered by all banks and building societies that accept instructions to pay Direct Debits. If there are any changes to the amount, date or frequency of your Direct Debit Hiscox Underwriting Ltd will notify you ten working days in advance of your account being debited or as otherwise agreed. If you request Hiscox Underwriting Ltd to collect a payment, confirmation of the amount and date will be given to you at the time of the request. If an error is made in the payment of your Direct Debit by Hiscox Underwriting Ltd or your bank or building society you are entitled to a full and immediate refund of the amount paid from your bank or building society. – If you receive a refund you are not entitled to, you must pay it back when Hiscox Underwriting Ltd asks you to. You can cancel a Direct Debit at anytime by simply contacting your bank or building society. Written confirmation maybe required. Please also notify us. Page / 1 Hiscox Business Insurance Policy summary JAC-PSC-UK-DC556(5.4) 17431b 07/20 Your Hiscox Business Insurance policy summaries This document contains the summaries for any policy covers you have selected to protect your business. These summaries outline the key information about your policies so you can be confident that you have understood what you have bought and what you are covered for. However, you should carefully read your policy in full and ensure that you understand its terms and conditions in full. If you have any queries, you should contact Hiscox or your insurance advisor. Your side of the bargain Remember, your premium and insurance are based on the details you have provided to us. Please make sure this information accurately reflects your business and that you inform us immediately if anything needs to change. Please also tell us of any changes in circumstances that may affect the services provided by us or the cover provided by your policy. This is particularly important before taking out a policy, but it also applies throughout the life of the policy too. You need to consider: ■if you fail to fairly present the risk to us, including by failing to disclose any information material to the insurance, you could invalidate the policy, claims may not be paid or the amount we pay maybe reduced; ■you should read and check all insurance documents to ensure that you are aware of the cover, limits and other terms that apply; ■if you fail to let us know of any changes to your circumstances during the period of insurance or, if when telling us about such changes you fail to present the risk to us fairly, you could invalidate the policy, claims may not be paid or the amount we pay maybe reduced; ■please be aware of all terms and conditions of your policy because failure to comply with them could invalidate it or result in us not paying a claim or reducing the amount we pay; ■in the event ofa claim, you should take note of the required procedures, such as giving Hiscox prompt notice of the claims, as stated in the policy documentation. In particular, if you fail to notify us when you first become aware ofa shortcoming, fact, or problem, admit you are liable for what has happened or appoint solicitors or other legal representation without our prior written approval, claims or defence costs may not be paid or the amount we pay maybe reduced; ■as with any insurance, you have an obligation to take reasonable steps to mitigate any loss or liability; ■if you make a fraudulent claim or try to deceive us, we may terminate the policy. Policy length The period of insurance is shown on your policy schedule. Your policy schedule will also show if the policy is ona continuing cover basis. If itis ona continuing cover basis, we will renew your policy each year for another 12 months and continue to take payment (including any premium adjustment shown in your renewal invitation) using your existing arrangement, unless you tell us otherwise or if your risk changes. If your policy schedule does not show that the policy is ona continuing cover basis, cover will cease at the end of the period of insurance, unless you renew your policy with us. We will provide you witha statement of fact each year and provided that the information contained within the statement of fact is true, complete and accurate, you do not need to provide us with any further information. If any of the information in your statement of fact is not true, complete and accurate, you must let us know. If you do not let us know, it may affect the validity of the policy or our ability to pay a claim. Retroactive dates, geographical and jurisdiction limits Where any section of your policy schedule includes a retroactive date, we will not make any payment for any claim or loss under that section which arises from any activity performed or any act, incident or occurrence taking place, before the retroactive date. Where any section of your policy schedule shows the geographical limits which apply to that section of the policy, we will only pay for claims and losses under that section which arise from activities performed or acts, incidents or occurrences taking place within those geographical limits. Where any section provides cover in respect of your liability to third parties, we will only cover claims first made ina country within the applicable courts stated in that section of your policy schedule. Hiscox Business Insurance Policy summary JAC-PSC-UK-DC556(5.4) 17431b 07/20 Cancellation rights You can cancel this policy by giving us 30 days' notice. You will only be charged for the premiums due up to the date of cancellation. If we need to cancel the policy, we’ll give you 30 days’ notice in writing and refund any surplus premiums you might have paid. Please note – we may deduct an administration fee from any refunded payment.There is an exception to our 30-day notice period, which is triggered when we don’t receive your Direct Debit payments within the agreed 14-day period. At this point, we will contact you as soon as possible and stop the 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, Hyde and Cole Hiscox Underwriting Ltd of 1 Great St. Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Certificate of professional indemnity Insurance Policy number:FR7QBJSG9X387JV1M39N Name of policy holder:Archer, Hyde and Cole Period of insurance: From 2023-11-28 to 22/04/19 both days inclusive. This policy isa Continuing cover policy Insurer: Hiscox Insurance Company Limited Retroactive date: Friday 20 October, 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: 2023-11-28 Insurance details Policy number: FR7QBJSG9X387JV1M39N Period of insurance: From 2023-11-28 to 22/04/19 both days inclusive. This policy isa Continuing cover policy. Insured: Archer, Hyde and Cole Address: 39 Roy inlet Martinton FARNHAM M82 2HA Additional insureds: None Business: Management Consultants Premium details Charged premium – the total amount you’ll pay for this policy. Charged premium: £4,217.61 Insurance Premium Tax (IPT): £9,246.91 Total charged premium: £2,113.78 Annualised premium – the annual premium for this policy. This is given for comparison purposes. Please refer to the charged premium section for the amount you’ll pay for the policy. Annual premium: £4,217.61 Insurance Premium Tax (IPT): £9,246.91 Annual total: £2,113.78 Please note that there will be no refund or additional premium for any transaction which is less than £20 (excluding IPT). Hiscox Business Insurance Policy Schedule 14502 10/18 Summary Claims information If you need to make a claim: - For claims relating to your building or contents please contact our claims team on 0800 247 1902, 9.00am – 5:30pm Monday to Friday. If you wish to make a claim online, you can log most claims quickly and easily through our claims notification portal at https://claims.hiscox.co.uk/. Outside of normal business hours, if you require emergency assistance in relation to substantial damage to your property, you can speak to our 24-hour emergency assistance team using the telephone number above. Your policy schedule will state if property cover is included in your policy. Our out-of-hours emergency assistance team operate ona pay-and-claim basis and you will need to have credit card details available as appropriate. The team will then be able to direct you to essential tradesmen, emergency loss adjusters or disaster management companies in the event of substantial damage. - If there isa claim (or potential claim) against you bya third party, please email us at liability.claims@hiscox.com. If you need to speak to a member of the claims team urgently, please call our team on 0800 711 7156, 9.00am – 5:30pm Monday to Friday. If you wish to make a claim online, you can log most claims quickly and easily through our claims notification portal at https://claims.hiscox.co.uk/. You will need to provide your full name and contact details, the name of your business or organisation, your address and postcode, the policy reference and circumstances of the claim. The Important information and contact details section below contains additional information specific to the covers applicable to your policy. If you are unsure of who to contact please call our team on 0800 711 7156, 9.00am – 5:30pm Monday to Friday. They will ensure you get through to the correct claims team and let you know what actions you need to take. If anything happens that might be covered under the policy, you must comply with the obligations set out in General claims conditions, together with the obligations set out under Your obligations in the section or sections under which you are making the claim. Itis important that you read the policy for details of its terms in full. Your covers This isa summary of each section of your policy. See each section for cover details. Cover Insurance amount Excess Annual Premium (exc IPT) Professional indemnity £1,000,000 £1,000 £5,369.26 Legal protection £100,000 £0 £5,330.74 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: 2023-11-28 Limit of indemnity £1,000,000 Limit applies to in the aggregate, including all costs Excess £1,000 Excess applies to each and every claim or loss, including all costs Geographical limits Worldwide Applicable courts Worldwide (excluding United States of America and Canada) Claims brought in USA or Canada Not covered Additional covers (in addition to overall limit of indemnity stated above) Cover Limit of indemnity Limit applies to Court attendance compensation - employees £250 per person, per day Court attendance compensation - directors and partners£500 per person, per day Court attendance compensation: in total £100,000 in the aggregate Special limits (included within not in addition to the overall limit of indemnity stated above) Cover Limit of indemnity Limit applies to Personal data claims £250,000 in the aggregate, including all costs Business activities Business managementPage / 2 consultant Retroactive date Friday 20 October, 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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FR7QBJSG9X387JV1M39N
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(?<=Policy number - )[-\w_\/\.]+?(?= Company name)
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2023-11-28
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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 - 5/CLU/O/-V/NQG/G3XYB/R22 Company name: Griffiths-Manning It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : 5/CLU/O/-V/NQG/G3XYB/R22. Company name: Griffiths-Manning. Your Hiscox Insurance premium. Last year’s annual premium: This year’s annual premium. £ 3,878.56. £ 3,878.56. The premium includes all applicable insurance premium tax (IPT). Dear Mrs Mrs Brenda Baker. Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 06 October, 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. £9,869.89. £9,869.89. Legal protection. £4,101.17. £4,101.17. 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 Griffiths-Manning , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay. . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover. Policy summary for each cover. ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover . As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before 06 October, 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 : 5/CLU/O/-V/NQG/G3XYB/R22 Company name: Griffiths-Manning . It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : 5/CLU/O/-V/NQG/G3XYB/R22 Company name: Griffiths-Manning . Your Hiscox Insurance premium Last year’s annual premium: This year’s annual premium The premium includes all applicable insurance premium tax (IPT). £ 3,878.56 £ 3,878.56 . Your Hiscox Insurance premium . Last year’s annual premium: This year’s annual premium £ 3,878.56 £ 3,878.56 . The premium includes all applicable insurance premium tax (IPT). Dear Mrs Mrs Brenda Baker . Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 06 October, 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 £9,869.89 £9,869.89 Legal protection £4,101.17 £4,101.17 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 Griffiths-Manning , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover Policy summary for each cover ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before 06 October, 2021 . We’re here between 8:30am - 5:30pm Monday to Friday . Please note that we can only discuss policy changes with people named on the policy. Why renew with Hiscox - Reassuring: we offer a range of cover options that can be tailored to your needs - Flexible: we offer full flexibility to change your policy, with no administration fees - Award-winning cover : we’ve been named Best Small Business Insurer 7 years running by Start Your Business Magazine Please click this link for the Hiscox Referral Portal: https://refer.aklamio.com/hiscox/uk?source=postpurchase Thank you again for choosing Hiscox to insure your business. We hope you and your business have a very successful year. Kind regards Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 06 October, 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 £9,869.89 £9,869.89 Legal protection £4,101.17 £4,101.17 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 Griffiths-Manning , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover Policy summary for each cover ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before 06 October, 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) £9,869.89 £4,101.17 £0.00 . This year’s annual Premium (exc IPT) £9,869.89 £4,101.17 . Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) . Professional indemnity £9,869.89 £9,869.89 . Legal protection £4,101.17 £4,101.17 . 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: Mrs Brenda 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 08 November, 2020 £3,878.56 Where your chosen collection date falls ona non-working day then we will endeavour to collect the next working day. For your information, the collections will be made using the following reference number: Originator Identification Number: 293461 Reference Number: 5/CLU/O/-V/NQG/G3XYB/R22 If you have any questions about your policy or payments, please call us on 0800 280 0351. We’re here between 8:30am - 5:30pm Monday to Friday or you can email us at service@hiscox.co.uk. Using your personal information Hiscox isa trading name ofa number of Hiscox companies. The specific company acting asa data controller of your personal information will be listed in the documentation we provide to you. If you are unsure you can also contact us at anytime by telephoning 01904 681198 or by emailing us at dataprotectionofficer@hiscox.com. We collect and process information about you in order to provide insurance policies and to process claims. Your information is also used for business purposes such as fraud prevention and detection and financial management. This may involve sharing your information with, and obtaining information about you from, our group companies and third parties such as brokers, loss adjusters, credit reference agencies, service providers, professional advisors, our regulators or fraud prevention agencies. We may record telephone calls to help us monitor and improve the service we provide. For further information on how your information is used and your rights in relation to your information please see our privacy policy at www.hiscox.co.uk/cookies-privacy. The Direct Debit Guarantee This Guarantee is offered by all banks and building societies that accept instructions to pay Direct Debits. If there are any changes to the amount, date or frequency of your Direct Debit Hiscox Underwriting Ltd will notify you ten working days in advance of your account being debited or as otherwise agreed. If you request Hiscox Underwriting Ltd to collect a payment, confirmation of the amount and date will be given to you at the time of the request. If an error is made in the payment of your Direct Debit by Hiscox Underwriting Ltd or your bank or building society you are entitled to a full and immediate refund of the amount paid from your bank or building society. – If you receive a refund you are not entitled to, you must pay it back when Hiscox Underwriting Ltd asks you to. You can cancel a Direct Debit at anytime by simply contacting your bank or building society. Written confirmation maybe required. Please also notify us. Page / 1 Hiscox Business Insurance Policy summary JAC-PSC-UK-DC556(5.4) 17431b 07/20 Your Hiscox Business Insurance policy summaries This document contains the summaries for any policy covers you have selected to protect your business. These summaries outline the key information about your policies so you can be confident that you have understood what you have bought and what you are covered for. However, you should carefully read your policy in full and ensure that you understand its terms and conditions in full. If you have any queries, you should contact Hiscox or your insurance advisor. Your side of the bargain Remember, your premium and insurance are based on the details you have provided to us. Please make sure this information accurately reflects your business and that you inform us immediately if anything needs to change. Please also tell us of any changes in circumstances that may affect the services provided by us or the cover provided by your policy. This is particularly important before taking out a policy, but it also applies throughout the life of the policy too. You need to consider: ■if you fail to fairly present the risk to us, including by failing to disclose any information material to the insurance, you could invalidate the policy, claims may not be paid or the amount we pay maybe reduced; ■you should read and check all insurance documents to ensure that you are aware of the cover, limits and other terms that apply; ■if you fail to let us know of any changes to your circumstances during the period of insurance or, if when telling us about such changes you fail to present the risk to us fairly, you could invalidate the policy, claims may not be paid or the amount we pay maybe reduced; ■please be aware of all terms and conditions of your policy because failure to comply with them could invalidate it or result in us not paying a claim or reducing the amount we pay; ■in the event ofa claim, you should take note of the required procedures, such as giving Hiscox prompt notice of the claims, as stated in the policy documentation. In particular, if you fail to notify us when you first become aware ofa shortcoming, fact, or problem, admit you are liable for what has happened or appoint solicitors or other legal representation without our prior written approval, claims or defence costs may not be paid or the amount we pay maybe reduced; ■as with any insurance, you have an obligation to take reasonable steps to mitigate any loss or liability; ■if you make a fraudulent claim or try to deceive us, we may terminate the policy. Policy length The period of insurance is shown on your policy schedule. Your policy schedule will also show if the policy is ona continuing cover basis. If itis ona continuing cover basis, we will renew your policy each year for another 12 months and continue to take payment (including any premium adjustment shown in your renewal invitation) using your existing arrangement, unless you tell us otherwise or if your risk changes. If your policy schedule does not show that the policy is ona continuing cover basis, cover will cease at the end of the period of insurance, unless you renew your policy with us. We will provide you witha statement of fact each year and provided that the information contained within the statement of fact is true, complete and accurate, you do not need to provide us with any further information. If any of the information in your statement of fact is not true, complete and accurate, you must let us know. If you do not let us know, it may affect the validity of the policy or our ability to pay a claim. Retroactive dates, geographical and jurisdiction limits Where any section of your policy schedule includes a retroactive date, we will not make any payment for any claim or loss under that section which arises from any activity performed or any act, incident or occurrence taking place, before the retroactive date. Where any section of your policy schedule shows the geographical limits which apply to that section of the policy, we will only pay for claims and losses under that section which arise from activities performed or acts, incidents or occurrences taking place within those geographical limits. Where any section provides cover in respect of your liability to third parties, we will only cover claims first made ina country within the applicable courts stated in that section of your policy schedule. Hiscox Business Insurance Policy summary JAC-PSC-UK-DC556(5.4) 17431b 07/20 Cancellation rights You can cancel this policy by giving us 30 days' notice. You will only be charged for the premiums due up to the date of cancellation. If we need to cancel the policy, we’ll give you 30 days’ notice in writing and refund any surplus premiums you might have paid. Please note – we may deduct an administration fee from any refunded payment.There is an exception to our 30-day notice period, which is triggered when we don’t receive your Direct Debit payments within the agreed 14-day period. At this point, we will contact you as soon as possible and stop the 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-Manning Hiscox Underwriting Ltd of 1 Great St. Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Certificate of professional indemnity Insurance Policy number:5/CLU/O/-V/NQG/G3XYB/R22 Name of policy holder:Griffiths-Manning Period of insurance: From 06 October, 2021 to 2025-10-07 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: 06 October, 2021 Insurance details Policy number: 5/CLU/O/-V/NQG/G3XYB/R22 Period of insurance: From 06 October, 2021 to 2025-10-07 both days inclusive. This policy isa Continuing cover policy. Insured: Griffiths-Manning Address: 9 Naomi causeway Rogerchester FARNHAM BA9 6GJ Additional insureds: None Business: Management Consultants Premium details Charged premium – the total amount you’ll pay for this policy. Charged premium: £7,387.00 Insurance Premium Tax (IPT): £6,472.22 Total charged premium: £3,878.56 Annualised premium – the annual premium for this policy. This is given for comparison purposes. Please refer to the charged premium section for the amount you’ll pay for the policy. Annual premium: £7,387.00 Insurance Premium Tax (IPT): £6,472.22 Annual total: £3,878.56 Please note that there will be no refund or additional premium for any transaction which is less than £20 (excluding IPT). Hiscox Business Insurance Policy Schedule 14502 10/18 Summary Claims information If you need to make a claim: - For claims relating to your building or contents please contact our claims team on 0800 247 1902, 9.00am – 5:30pm Monday to Friday. If you wish to make a claim online, you can log most claims quickly and easily through our claims notification portal at https://claims.hiscox.co.uk/. Outside of normal business hours, if you require emergency assistance in relation to substantial damage to your property, you can speak to our 24-hour emergency assistance team using the telephone number above. Your policy schedule will state if property cover is included in your policy. Our out-of-hours emergency assistance team operate ona pay-and-claim basis and you will need to have credit card details available as appropriate. The team will then be able to direct you to essential tradesmen, emergency loss adjusters or disaster management companies in the event of substantial damage. - If there isa claim (or potential claim) against you bya third party, please email us at liability.claims@hiscox.com. If you need to speak to a member of the claims team urgently, please call our team on 0800 711 7156, 9.00am – 5:30pm Monday to Friday. If you wish to make a claim online, you can log most claims quickly and easily through our claims notification portal at https://claims.hiscox.co.uk/. You will need to provide your full name and contact details, the name of your business or organisation, your address and postcode, the policy reference and circumstances of the claim. The Important information and contact details section below contains additional information specific to the covers applicable to your policy. If you are unsure of who to contact please call our team on 0800 711 7156, 9.00am – 5:30pm Monday to Friday. They will ensure you get through to the correct claims team and let you know what actions you need to take. If anything happens that might be covered under the policy, you must comply with the obligations set out in General claims conditions, together with the obligations set out under Your obligations in the section or sections under which you are making the claim. Itis important that you read the policy for details of its terms in full. Your covers This isa summary of each section of your policy. See each section for cover details. Cover Insurance amount Excess Annual Premium (exc IPT) Professional indemnity £1,000,000 £1,000 £9,869.89 Legal protection £100,000 £0 £4,101.17 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: 06 October, 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 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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5/CLU/O/-V/NQG/G3XYB/R22
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(?<=Policy number - )[-\w_\/\.]+?(?= Company name)
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06 October, 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 - O3P163AM857_4ZK06VIYG1GKL Company name: Stokes, Watson and Wood It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : O3P163AM857_4ZK06VIYG1GKL. Company name: Stokes, Watson and Wood. Your Hiscox Insurance premium. Last year’s annual premium: This year’s annual premium. £ 5,839.78. £ 5,839.78. The premium includes all applicable insurance premium tax (IPT). Dear Mr Mrs Annette Bartlett. Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 17/02/22 . 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. £3,114.18. £3,114.18. Legal protection. £4,961.44. £4,961.44. 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 Stokes, Watson and Wood , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay. . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover. Policy summary for each cover. ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover . As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before 17/02/22 . 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 : O3P163AM857_4ZK06VIYG1GKL Company name: Stokes, Watson and Wood . It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : O3P163AM857_4ZK06VIYG1GKL Company name: Stokes, Watson and Wood . Your Hiscox Insurance premium Last year’s annual premium: This year’s annual premium The premium includes all applicable insurance premium tax (IPT). £ 5,839.78 £ 5,839.78 . Your Hiscox Insurance premium . Last year’s annual premium: This year’s annual premium £ 5,839.78 £ 5,839.78 . The premium includes all applicable insurance premium tax (IPT). Dear Mr Mrs Annette Bartlett . Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 17/02/22 . 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 £3,114.18 £3,114.18 Legal protection £4,961.44 £4,961.44 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 Stokes, Watson and Wood , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover Policy summary for each cover ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before 17/02/22 . We’re here between 8:30am - 5:30pm Monday to Friday . Please note that we can only discuss policy changes with people named on the policy. Why renew with Hiscox - Reassuring: we offer a range of cover options that can be tailored to your needs - Flexible: we offer full flexibility to change your policy, with no administration fees - Award-winning cover : we’ve been named Best Small Business Insurer 7 years running by Start Your Business Magazine Please click this link for the Hiscox Referral Portal: https://refer.aklamio.com/hiscox/uk?source=postpurchase Thank you again for choosing Hiscox to insure your business. We hope you and your business have a very successful year. Kind regards Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 17/02/22 . 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 £3,114.18 £3,114.18 Legal protection £4,961.44 £4,961.44 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 Stokes, Watson and Wood , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover Policy summary for each cover ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before 17/02/22 . 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) £3,114.18 £4,961.44 £0.00 . This year’s annual Premium (exc IPT) £3,114.18 £4,961.44 . Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) . Professional indemnity £3,114.18 £3,114.18 . Legal protection £4,961.44 £4,961.44 . 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: Mrs Annette Bartlett Frequency of collection: Annual Sort code: %BANK_SORT_CODE_1% Account number: %BANK_ACCOUNT_NUMBER_1% Your Direct Debit schedule We will take payments on the dates outlined below: Date Amount Mon 21 July, 2025 £5,839.78 Where your chosen collection date falls ona non-working day then we will endeavour to collect the next working day. For your information, the collections will be made using the following reference number: Originator Identification Number: 293461 Reference Number: O3P163AM857_4ZK06VIYG1GKL If you have any questions about your policy or payments, please call us on 0800 280 0351. We’re here between 8:30am - 5:30pm Monday to Friday or you can email us at service@hiscox.co.uk. Using your personal information Hiscox isa trading name ofa number of Hiscox companies. The specific company acting asa data controller of your personal information will be listed in the documentation we provide to you. If you are unsure you can also contact us at anytime by telephoning 01904 681198 or by emailing us at dataprotectionofficer@hiscox.com. We collect and process information about you in order to provide insurance policies and to process claims. Your information is also used for business purposes such as fraud prevention and detection and financial management. This may involve sharing your information with, and obtaining information about you from, our group companies and third parties such as brokers, loss adjusters, credit reference agencies, service providers, professional advisors, our regulators or fraud prevention agencies. We may record telephone calls to help us monitor and improve the service we provide. For further information on how your information is used and your rights in relation to your information please see our privacy policy at www.hiscox.co.uk/cookies-privacy. The Direct Debit Guarantee This Guarantee is offered by all banks and building societies that accept instructions to pay Direct Debits. If there are any changes to the amount, date or frequency of your Direct Debit Hiscox Underwriting Ltd will notify you ten working days in advance of your account being debited or as otherwise agreed. If you request Hiscox Underwriting Ltd to collect a payment, confirmation of the amount and date will be given to you at the time of the request. If an error is made in the payment of your Direct Debit by Hiscox Underwriting Ltd or your bank or building society you are entitled to a full and immediate refund of the amount paid from your bank or building society. – If you receive a refund you are not entitled to, you must pay it back when Hiscox Underwriting Ltd asks you to. You can cancel a Direct Debit at anytime by simply contacting your bank or building society. Written confirmation maybe required. Please also notify us. Page / 1 Hiscox Business Insurance Policy summary JAC-PSC-UK-DC556(5.4) 17431b 07/20 Your Hiscox Business Insurance policy summaries This document contains the summaries for any policy covers you have selected to protect your business. These summaries outline the key information about your policies so you can be confident that you have understood what you have bought and what you are covered for. However, you should carefully read your policy in full and ensure that you understand its terms and conditions in full. If you have any queries, you should contact Hiscox or your insurance advisor. Your side of the bargain Remember, your premium and insurance are based on the details you have provided to us. Please make sure this information accurately reflects your business and that you inform us immediately if anything needs to change. Please also tell us of any changes in circumstances that may affect the services provided by us or the cover provided by your policy. This is particularly important before taking out a policy, but it also applies throughout the life of the policy too. You need to consider: ■if you fail to fairly present the risk to us, including by failing to disclose any information material to the insurance, you could invalidate the policy, claims may not be paid or the amount we pay maybe reduced; ■you should read and check all insurance documents to ensure that you are aware of the cover, limits and other terms that apply; ■if you fail to let us know of any changes to your circumstances during the period of insurance or, if when telling us about such changes you fail to present the risk to us fairly, you could invalidate the policy, claims may not be paid or the amount we pay maybe reduced; ■please be aware of all terms and conditions of your policy because failure to comply with them could invalidate it or result in us not paying a claim or reducing the amount we pay; ■in the event ofa claim, you should take note of the required procedures, such as giving Hiscox prompt notice of the claims, as stated in the policy documentation. In particular, if you fail to notify us when you first become aware ofa shortcoming, fact, or problem, admit you are liable for what has happened or appoint solicitors or other legal representation without our prior written approval, claims or defence costs may not be paid or the amount we pay maybe reduced; ■as with any insurance, you have an obligation to take reasonable steps to mitigate any loss or liability; ■if you make a fraudulent claim or try to deceive us, we may terminate the policy. Policy length The period of insurance is shown on your policy schedule. Your policy schedule will also show if the policy is ona continuing cover basis. If itis ona continuing cover basis, we will renew your policy each year for another 12 months and continue to take payment (including any premium adjustment shown in your renewal invitation) using your existing arrangement, unless you tell us otherwise or if your risk changes. If your policy schedule does not show that the policy is ona continuing cover basis, cover will cease at the end of the period of insurance, unless you renew your policy with us. We will provide you witha statement of fact each year and provided that the information contained within the statement of fact is true, complete and accurate, you do not need to provide us with any further information. If any of the information in your statement of fact is not true, complete and accurate, you must let us know. If you do not let us know, it may affect the validity of the policy or our ability to pay a claim. Retroactive dates, geographical and jurisdiction limits Where any section of your policy schedule includes a retroactive date, we will not make any payment for any claim or loss under that section which arises from any activity performed or any act, incident or occurrence taking place, before the retroactive date. Where any section of your policy schedule shows the geographical limits which apply to that section of the policy, we will only pay for claims and losses under that section which arise from activities performed or acts, incidents or occurrences taking place within those geographical limits. Where any section provides cover in respect of your liability to third parties, we will only cover claims first made ina country within the applicable courts stated in that section of your policy schedule. Hiscox Business Insurance Policy summary JAC-PSC-UK-DC556(5.4) 17431b 07/20 Cancellation rights You can cancel this policy by giving us 30 days' notice. You will only be charged for the premiums due up to the date of cancellation. If we need to cancel the policy, we’ll give you 30 days’ notice in writing and refund any surplus premiums you might have paid. Please note – we may deduct an administration fee from any refunded payment.There is an exception to our 30-day notice period, which is triggered when we don’t receive your Direct Debit payments within the agreed 14-day period. At this point, we will contact you as soon as possible and stop the policyPage / 2 immediately. Underwritten by:Hiscox Underwriting Ltd on behalf of the insurers named in the schedule. Page / 1 Certificate of professional indemnity insurance Stokes, Watson and Wood Hiscox Underwriting Ltd of 1 Great St. Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Certificate of professional indemnity Insurance Policy number:O3P163AM857_4ZK06VIYG1GKL Name of policy holder:Stokes, Watson and Wood Period of insurance: From 17/02/22 to Tue 16 June, 2020 both days inclusive. This policy isa Continuing cover policy Insurer: Hiscox Insurance Company Limited Retroactive date: 29 November, 2019 Level of cover:£1,000,000 Signed on behalf of Hiscox Underwriting Limited as agent for the insurers Jon Dye CEO, Hiscox UK Notes: (a) This insurance is subject to policy terms and conditions and any special terms notified to the InsuredPage / 1 Hiscox Business Insurance Policy Schedule 14502 10/18 This schedule tells you what is insured with us. It should be read carefully with your policy wording(s) and statement of fact detailed elsewhere in this document. Schedule effective date: 17/02/22 Insurance details Policy number: O3P163AM857_4ZK06VIYG1GKL Period of insurance: From 17/02/22 to Tue 16 June, 2020 both days inclusive. This policy isa Continuing cover policy. Insured: Stokes, Watson and Wood Address: Studio 31 Shaw road Kingport FARNHAM M5W 4EZ Additional insureds: None Business: Management Consultants Premium details Charged premium – the total amount you’ll pay for this policy. Charged premium: £9,033.92 Insurance Premium Tax (IPT): £7,923.64 Total charged premium: £5,839.78 Annualised premium – the annual premium for this policy. This is given for comparison purposes. Please refer to the charged premium section for the amount you’ll pay for the policy. Annual premium: £9,033.92 Insurance Premium Tax (IPT): £7,923.64 Annual total: £5,839.78 Please note that there will be no refund or additional premium for any transaction which is less than £20 (excluding IPT). Hiscox Business Insurance Policy Schedule 14502 10/18 Summary Claims information If you need to make a claim: - For claims relating to your building or contents please contact our claims team on 0800 247 1902, 9.00am – 5:30pm Monday to Friday. If you wish to make a claim online, you can log most claims quickly and easily through our claims notification portal at https://claims.hiscox.co.uk/. Outside of normal business hours, if you require emergency assistance in relation to substantial damage to your property, you can speak to our 24-hour emergency assistance team using the telephone number above. Your policy schedule will state if property cover is included in your policy. Our out-of-hours emergency assistance team operate ona pay-and-claim basis and you will need to have credit card details available as appropriate. The team will then be able to direct you to essential tradesmen, emergency loss adjusters or disaster management companies in the event of substantial damage. - If there isa claim (or potential claim) against you bya third party, please email us at liability.claims@hiscox.com. If you need to speak to a member of the claims team urgently, please call our team on 0800 711 7156, 9.00am – 5:30pm Monday to Friday. If you wish to make a claim online, you can log most claims quickly and easily through our claims notification portal at https://claims.hiscox.co.uk/. You will need to provide your full name and contact details, the name of your business or organisation, your address and postcode, the policy reference and circumstances of the claim. The Important information and contact details section below contains additional information specific to the covers applicable to your policy. If you are unsure of who to contact please call our team on 0800 711 7156, 9.00am – 5:30pm Monday to Friday. They will ensure you get through to the correct claims team and let you know what actions you need to take. If anything happens that might be covered under the policy, you must comply with the obligations set out in General claims conditions, together with the obligations set out under Your obligations in the section or sections under which you are making the claim. Itis important that you read the policy for details of its terms in full. Your covers This isa summary of each section of your policy. See each section for cover details. Cover Insurance amount Excess Annual Premium (exc IPT) Professional indemnity £1,000,000 £1,000 £3,114.18 Legal protection £100,000 £0 £4,961.44 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: 17/02/22 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 29 November, 2019 Insurer Hiscox Insurance Company LimitedPage / 1 Hiscox Insurance Summary of change Introduction This document has been created to help you understand the key changes to your Hiscox Insurance policy and how they may impact you. Your policy continues to offer professional, tailored insurance to protect you and give you peace of mind that if you need us, you will be supported by our award winning claims team. If you have a query not covered by this document, or if you have any questions or concerns about your policy you should contact us. Frequently asked questions What if my circumstances change during the period of insurance? If your circumstances change during the period of insurance, you only need to let us know if the change means that any of the information in the Statement of Fact is no longer true, complete and accurate. If there are no such changes, you do not need to let us know. If any of the information within the Statement of Fact becomes no longer complete, true or accurate at any point during the period of insurance you must tell us as it may affect the validity of the policy or our ability to pay a claim. Additionally, if your contact details change then you should let us know straightaway. Where doI find the limits that apply to my policy? You can find your maximum allowable limits for turnover and wage rollin your Statement of Fact. You must check this information and tell us or your broker if you expect to exceed the maximum amounts shown. Please note these values may have changed. If there are special limits or special excesses applying to particular covers or types of losses these will be shown in the policy schedule. Please check your policy schedule carefully as they may have changed. My new schedule shows a different premium to last year? What has changed? If an underwriter has reviewed your policy then they may have manually adjusted your premium, for example if you’ve had claims in the last 12 months. Where doI find out about any endorsements on my policy? You will be able to see if an endorsement has been applied or removed by reviewing your Policy Schedule. If you have any queries or concerns, please contact us or your broker if you have one. Hiscox Insurance Summary of change Professional indemnity for business management consultants Summary of change Changes to the cover The following table shows the differences between our new policy wordings (5570 WD- PROF-UK-MAN(7), 15579 WD-PROF-UK-MAN-AG(3)) and our previous wordings (5570 WD-PROF-UK-MAN(6), 15579 WD-PROF-UK-MAN-AG(2)). This isa summary of the changes only. You should refer to the schedule and policy wording for the full description of the cover in place. Area of cover Previous policy New policy Improvement in cover Claims against you Advertising claims. We will pay claims arising from your advertising or branding for defamation or infringement of copyright or moral rights. This does not include claims for passing off, unauthorised use of trademarks or false or misleading advertising. Previously cover was not restricted to defamation or the infringement of copyright or moral rights.Covered Amended Your own lossesChanges to ‘what is covered’ Losses from dishonesty. Your losses arising from the dishonesty of your employees, sub-contractors or outsourcers.Covered Not covered Area of cover Previous policy New policy Improvement in cover Cyber incident. We will not pay claims relating to an actual or possible cyber attack, hacker or social engineering communication. Previously we excluded any virus not specifically targeted at your system.Covered Not covered Computer or digital technology error. We will not pay claims arising from any negligent act, error or omission in the operation or maintenance of computer or digital technology such as development, installation, patching or upgrading.Covered Not coveredChanges to ‘what is not covered’ Infrastructure. We will not pay claims arising from the failure of the service provided by internet, telecommunications, utilities or other infrastructure providers.Covered Not covered Hiscox Insurance Summary of change Personal data. We will not pay claims relating to personal data. We will pay such claims where they arise from your performance ofa business activity and which is not otherwise excluded. Subject to the limit shown in the schedule.Covered Not covered Other important changes Control of defence. Under the previous wording we had a duty to defend you against any covered claim brought against you. We now have the right but not the obligation to take control of the conduct of the claim including the appointment of legal representation. Please refer to the policy wording for full details. SOC-PROF-UK-MAN(1) 21367 01/21
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O3P163AM857_4ZK06VIYG1GKL
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(?<=Policy number - )[-\w_\/\.]+?(?= Company name)
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17/02/22
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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 - itlixfpupvhssj.i_ Company name: Cox-Hall It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : itlixfpupvhssj.i_. Company name: Cox-Hall. Your Hiscox Insurance premium. Last year’s annual premium: This year’s annual premium. £ 5,865.64. £ 5,865.64. The premium includes all applicable insurance premium tax (IPT). Dear Dr Patrick Norris-Richardson. Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 16 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. £6,616.00. £6,616.00. Legal protection. £3,012.63. £3,012.63. Crisis containment. £0.00. Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy . Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government increase in Insurance Premium Tax as shown. Is our information correct? Your premium and cover are based on what you’ve told us about Cox-Hall , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay. . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover. Policy summary for each cover. ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover . As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, 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 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 : itlixfpupvhssj.i_ Company name: Cox-Hall . It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : itlixfpupvhssj.i_ Company name: Cox-Hall . Your Hiscox Insurance premium Last year’s annual premium: This year’s annual premium The premium includes all applicable insurance premium tax (IPT). £ 5,865.64 £ 5,865.64 . Your Hiscox Insurance premium . Last year’s annual premium: This year’s annual premium £ 5,865.64 £ 5,865.64 . The premium includes all applicable insurance premium tax (IPT). Dear Dr Patrick Norris-Richardson . Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 16 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 £6,616.00 £6,616.00 Legal protection £3,012.63 £3,012.63 Crisis containment £0.00 Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government increase in Insurance Premium Tax as shown. Is our information correct? Your premium and cover are based on what you’ve told us about Cox-Hall , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover Policy summary for each cover ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, 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 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 16 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 £6,616.00 £6,616.00 Legal protection £3,012.63 £3,012.63 Crisis containment £0.00 Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government increase in Insurance Premium Tax as shown. Is our information correct? Your premium and cover are based on what you’ve told us about Cox-Hall , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover Policy summary for each cover ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, 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 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) £6,616.00 £3,012.63 £0.00 . This year’s annual Premium (exc IPT) £6,616.00 £3,012.63 . Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) . Professional indemnity £6,616.00 £6,616.00 . Legal protection £3,012.63 £3,012.63 . Crisis containment £0.00 . Kind regards Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre . Kind regards . Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave . To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre . Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Page / 1 Hiscox Business Insurance Policy wording 17431a - DC565 WORDING 04/17Guide to sectionsIntroduction Policy wordings General terms and conditions Professional indemnity for business management consultants Legal protection Crisis containment Hiscox Business Insurance Policy wording 17431a - DC565 WORDING 04/17IntroductionThank you for choosing Hiscox to protect your business. We hope that the language and layout of this policy wording are clear because we want you to understand the insurance we provide as well as the responsibilities we have to each other. Please read this document, including the policy schedule, policy summary and statement of fact, and let us know as soon as possible if any of the details are shown incorrectly. We always try to deliver to the highest standards of service. Your views are important to us, so if you feel that our service is below the standard you would expect from Hiscox, please contact us on the phone number shown in your policy schedule. Please note that some of the words we use in this insurance are shown in bold type. These words are defined in each section of the wording. Page / 1 Hiscox Insurance Payment schedule Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Thank you for continuing to pay for your policy by Direct Debit. Please check these details and let us know if anything is incorrect or if the schedule is not suitable. Your reference details Account holder name: Patrick Norris-Richardson Frequency of collection: Annual Sort code: %BANK_SORT_CODE_1% Account number: %BANK_ACCOUNT_NUMBER_1% Your Direct Debit schedule We will take payments on the dates outlined below: Date Amount 18/09/2025 £5,865.64 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: itlixfpupvhssj.i_ If you have any questions about your policy or payments, please call us on 0800 280 0351. We’re here between 8:30am - 5:30pm Monday to Friday or you can email us at service@hiscox.co.uk. Using your personal information Hiscox isa trading name ofa number of Hiscox companies. The specific company acting asa data controller of your personal information will be listed in the documentation we provide to you. If you are unsure you can also contact us at anytime by telephoning 01904 681198 or by emailing us at dataprotectionofficer@hiscox.com. We collect and process information about you in order to provide insurance policies and to process claims. Your information is also used for business purposes such as fraud prevention and detection and financial management. This may involve sharing your information with, and obtaining information about you from, our group companies and third parties such as brokers, loss adjusters, credit reference agencies, service providers, professional advisors, our regulators or fraud prevention agencies. We may record telephone calls to help us monitor and improve the service we provide. For further information on how your information is used and your rights in relation to your information please see our privacy policy at www.hiscox.co.uk/cookies-privacy. The Direct Debit Guarantee This Guarantee is offered by all banks and building societies that accept instructions to pay Direct Debits. If there are any changes to the amount, date or frequency of your Direct Debit Hiscox Underwriting Ltd will notify you ten working days in advance of your account being debited or as otherwise agreed. If you request Hiscox Underwriting Ltd to collect a payment, confirmation of the amount and date will be given to you at the time of the request. If an error is made in the payment of your Direct Debit by Hiscox Underwriting Ltd or your bank or building society you are entitled to a full and immediate refund of the amount paid from your bank or building society. – If you receive a refund you are not entitled to, you must pay it back when Hiscox Underwriting Ltd asks you to. You can cancel a Direct Debit at anytime by simply contacting your bank or building society. Written confirmation maybe required. Please also notify us. Page / 1 Hiscox Business Insurance Policy summary JAC-PSC-UK-DC556(5.4) 17431b 07/20 Your Hiscox Business Insurance policy summaries This document contains the summaries for any policy covers you have selected to protect your business. These summaries outline the key information about your policies so you can be confident that you have understood what you have bought and what you are covered for. However, you should carefully read your policy in full and ensure that you understand its terms and conditions in full. If you have any queries, you should contact Hiscox or your insurance advisor. Your side of the bargain Remember, your premium and insurance are based on the details you have provided to us. Please make sure this information accurately reflects your business and that you inform us immediately if anything needs to change. Please also tell us of any changes in circumstances that may affect the services provided by us or the cover provided by your policy. This is particularly important before taking out a policy, but it also applies throughout the life of the policy too. You need to consider: ■if you fail to fairly present the risk to us, including by failing to disclose any information material to the insurance, you could invalidate the policy, claims may not be paid or the amount we pay maybe reduced; ■you should read and check all insurance documents to ensure that you are aware of the cover, limits and other terms that apply; ■if you fail to let us know of any changes to your circumstances during the period of insurance or, if when telling us about such changes you fail to present the risk to us fairly, you could invalidate the policy, claims may not be paid or the amount we pay maybe reduced; ■please be aware of all terms and conditions of your policy because failure to comply with them could invalidate it or result in us not paying a claim or reducing the amount we pay; ■in the event ofa claim, you should take note of the required procedures, such as giving Hiscox prompt notice of the claims, as stated in the policy documentation. In particular, if you fail to notify us when you first become aware ofa shortcoming, fact, or problem, admit you are liable for what has happened or appoint solicitors or other legal representation without our prior written approval, claims or defence costs may not be paid or the amount we pay maybe reduced; ■as with any insurance, you have an obligation to take reasonable steps to mitigate any loss or liability; ■if you make a fraudulent claim or try to deceive us, we may terminate the policy. Policy length The period of insurance is shown on your policy schedule. Your policy schedule will also show if the policy is ona continuing cover basis. If itis ona continuing cover basis, we will renew your policy each year for another 12 months and continue to take payment (including any premium adjustment shown in your renewal invitation) using your existing arrangement, unless you tell us otherwise or if your risk changes. If your policy schedule does not show that the policy is ona continuing cover basis, cover will cease at the end of the period of insurance, unless you renew your policy with us. We will provide you witha statement of fact each year and provided that the information contained within the statement of fact is true, complete and accurate, you do not need to provide us with any further information. If any of the information in your statement of fact is not true, complete and accurate, you must let us know. If you do not let us know, it may affect the validity of the policy or our ability to pay a claim. Retroactive dates, geographical and jurisdiction limits Where any section of your policy schedule includes a retroactive date, we will not make any payment for any claim or loss under that section which arises from any activity performed or any act, incident or occurrence taking place, before the retroactive date. Where any section of your policy schedule shows the geographical limits which apply to that section of the policy, we will only pay for claims and losses under that section which arise from activities performed or acts, incidents or occurrences taking place within those geographical limits. Where any section provides cover in respect of your liability to third parties, we will only cover claims first made ina country within the applicable courts stated in that section of your policy schedule. Hiscox Business Insurance Policy summary JAC-PSC-UK-DC556(5.4) 17431b 07/20 Cancellation rights You can cancel this policy by giving us 30 days' notice. You will only be charged for the premiums due up to the date of cancellation. If we need to cancel the policy, we’ll give you 30 days’ notice in writing and refund any surplus premiums you might have paid. Please note – we may deduct an administration fee from any refunded payment.There is an exception to our 30-day notice period, which is triggered when we don’t receive your Direct Debit payments within the agreed 14-day period. At this point, we will contact you as soon as possible and stop the policyPage / 2 immediately. Underwritten by:Hiscox Underwriting Ltd on behalf of the insurers named in the schedule. Page / 1 Certificate of professional indemnity insurance Cox-Hall Hiscox Underwriting Ltd of 1 Great St. Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Certificate of professional indemnity Insurance Policy number:itlixfpupvhssj.i_ Name of policy holder:Cox-Hall Period of insurance: From 16 December, 2020 to Sun 23 November, 2025 both days inclusive. This policy isa Continuing cover policy Insurer: Hiscox Insurance Company Limited Retroactive date: 28/09/24 Level of cover:£1,000,000 Signed on behalf of Hiscox Underwriting Limited as agent for the insurers Jon Dye CEO, Hiscox UK Notes: (a) This insurance is subject to policy terms and conditions and any special terms notified to the InsuredPage / 1 Hiscox Business Insurance Policy Schedule 14502 10/18 This schedule tells you what is insured with us. It should be read carefully with your policy wording(s) and statement of fact detailed elsewhere in this document. Schedule effective date: 16 December, 2020 Insurance details Policy number: itlixfpupvhssj.i_ Period of insurance: From 16 December, 2020 to Sun 23 November, 2025 both days inclusive. This policy isa Continuing cover policy. Insured: Cox-Hall Address: 7 Rowley extensions Lake Colinmouth FARNHAM OL05 7BU Additional insureds: None Business: Management Consultants Premium details Charged premium – the total amount you’ll pay for this policy. Charged premium: £7,781.23 Insurance Premium Tax (IPT): £8,206.72 Total charged premium: £5,865.64 Annualised premium – the annual premium for this policy. This is given for comparison purposes. Please refer to the charged premium section for the amount you’ll pay for the policy. Annual premium: £7,781.23 Insurance Premium Tax (IPT): £8,206.72 Annual total: £5,865.64 Please note that there will be no refund or additional premium for any transaction which is less than £20 (excluding IPT). Hiscox Business Insurance Policy Schedule 14502 10/18 Summary Claims information If you need to make a claim: - For claims relating to your building or contents please contact our claims team on 0800 247 1902, 9.00am – 5:30pm Monday to Friday. If you wish to make a claim online, you can log most claims quickly and easily through our claims notification portal at https://claims.hiscox.co.uk/. Outside of normal business hours, if you require emergency assistance in relation to substantial damage to your property, you can speak to our 24-hour emergency assistance team using the telephone number above. Your policy schedule will state if property cover is included in your policy. Our out-of-hours emergency assistance team operate ona pay-and-claim basis and you will need to have credit card details available as appropriate. The team will then be able to direct you to essential tradesmen, emergency loss adjusters or disaster management companies in the event of substantial damage. - If there isa claim (or potential claim) against you bya third party, please email us at liability.claims@hiscox.com. If you need to speak to a member of the claims team urgently, please call our team on 0800 711 7156, 9.00am – 5:30pm Monday to Friday. If you wish to make a claim online, you can log most claims quickly and easily through our claims notification portal at https://claims.hiscox.co.uk/. You will need to provide your full name and contact details, the name of your business or organisation, your address and postcode, the policy reference and circumstances of the claim. The Important information and contact details section below contains additional information specific to the covers applicable to your policy. If you are unsure of who to contact please call our team on 0800 711 7156, 9.00am – 5:30pm Monday to Friday. They will ensure you get through to the correct claims team and let you know what actions you need to take. If anything happens that might be covered under the policy, you must comply with the obligations set out in General claims conditions, together with the obligations set out under Your obligations in the section or sections under which you are making the claim. Itis important that you read the policy for details of its terms in full. Your covers This isa summary of each section of your policy. See each section for cover details. Cover Insurance amount Excess Annual Premium (exc IPT) Professional indemnity £1,000,000 £1,000 £6,616.00 Legal protection £100,000 £0 £3,012.63 Crisis containment £25,000 - £0.00 The figures above are in summary only and are not in addition to the amount insured specified against each cover section below. Hiscox Business Insurance Policy Schedule 14502 10/18 SECTION: PROFESSIONAL INDEMNITY – MANAGEMENT CONSULTANTS Cover start date: 16 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 28/09/24 Insurer Hiscox Insurance Company LimitedPage / 1 Hiscox Insurance Summary of change Introduction This document has been created to help you understand the key changes to your Hiscox Insurance policy and how they may impact you. Your policy continues to offer professional, tailored insurance to protect you and give you peace of mind that if you need us, you will be supported by our award winning claims team. If you have a query not covered by this document, or if you have any questions or concerns about your policy you should contact us. Frequently asked questions What if my circumstances change during the period of insurance? If your circumstances change during the period of insurance, you only need to let us know if the change means that any of the information in the Statement of Fact is no longer true, complete and accurate. If there are no such changes, you do not need to let us know. If any of the information within the Statement of Fact becomes no longer complete, true or accurate at any point during the period of insurance you must tell us as it may affect the validity of the policy or our ability to pay a claim. Additionally, if your contact details change then you should let us know straightaway. Where doI find the limits that apply to my policy? You can find your maximum allowable limits for turnover and wage rollin your Statement of Fact. You must check this information and tell us or your broker if you expect to exceed the maximum amounts shown. Please note these values may have changed. If there are special limits or special excesses applying to particular covers or types of losses these will be shown in the policy schedule. Please check your policy schedule carefully as they may have changed. My new schedule shows a different premium to last year? What has changed? If an underwriter has reviewed your policy then they may have manually adjusted your premium, for example if you’ve had claims in the last 12 months. Where doI find out about any endorsements on my policy? You will be able to see if an endorsement has been applied or removed by reviewing your Policy Schedule. If you have any queries or concerns, please contact us or your broker if you have one. Hiscox Insurance Summary of change Professional indemnity for business management consultants Summary of change Changes to the cover The following table shows the differences between our new policy wordings (5570 WD- PROF-UK-MAN(7), 15579 WD-PROF-UK-MAN-AG(3)) and our previous wordings (5570 WD-PROF-UK-MAN(6), 15579 WD-PROF-UK-MAN-AG(2)). This isa summary of the changes only. You should refer to the schedule and policy wording for the full description of the cover in place. Area of cover Previous policy New policy Improvement in cover Claims against you Advertising claims. We will pay claims arising from your advertising or branding for defamation or infringement of copyright or moral rights. This does not include claims for passing off, unauthorised use of trademarks or false or misleading advertising. Previously cover was not restricted to defamation or the infringement of copyright or moral rights.Covered Amended Your own lossesChanges to ‘what is covered’ Losses from dishonesty. Your losses arising from the dishonesty of your employees, sub-contractors or outsourcers.Covered Not covered Area of cover Previous policy New policy Improvement in cover Cyber incident. We will not pay claims relating to an actual or possible cyber attack, hacker or social engineering communication. Previously we excluded any virus not specifically targeted at your system.Covered Not covered Computer or digital technology error. We will not pay claims arising from any negligent act, error or omission in the operation or maintenance of computer or digital technology such as development, installation, patching or upgrading.Covered Not coveredChanges to ‘what is not covered’ Infrastructure. We will not pay claims arising from the failure of the service provided by internet, telecommunications, utilities or other infrastructure providers.Covered Not covered Hiscox Insurance Summary of change Personal data. We will not pay claims relating to personal data. We will pay such claims where they arise from your performance ofa business activity and which is not otherwise excluded. Subject to the limit shown in the schedule.Covered Not covered Other important changes Control of defence. Under the previous wording we had a duty to defend you against any covered claim brought against you. We now have the right but not the obligation to take control of the conduct of the claim including the appointment of legal representation. Please refer to the policy wording for full details. SOC-PROF-UK-MAN(1) 21367 01/21
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(?<=Policy number - )[-\w_\/\.]+?(?= Company name)
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16 December, 2020
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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 - vyqjxsktxxdqdzao Company name: Power-Smith It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : vyqjxsktxxdqdzao. Company name: Power-Smith. Your Hiscox Insurance premium. Last year’s annual premium: This year’s annual premium. £ 9,437.26. £ 9,437.26. The premium includes all applicable insurance premium tax (IPT). Dear Dr Anthony Ali. Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 2020-10-24 . Good news; if you want cover to continue with us and to make sure you stay protected by our award-winning cover, you do not need to do anything. We will update your policy onto our latest wording and continue to collect payment using the payment details we have for you. You must read the important information contained in this email and the attached documents. Your Hiscox Insurance Premium breakdown. The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). The amount shown as last year’s Annual premium will take into account any changes to the cover which may have been made during the last policy period. Cover. Last year’s annual premium (exc IPT). This year’s annual Premium (exc IPT). Professional indemnity. £9,917.46. £9,917.46. Legal protection. £4,654.03. £4,654.03. 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 Power-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 2020-10-24 . 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 : vyqjxsktxxdqdzao Company name: Power-Smith . It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : vyqjxsktxxdqdzao Company name: Power-Smith . Your Hiscox Insurance premium Last year’s annual premium: This year’s annual premium The premium includes all applicable insurance premium tax (IPT). £ 9,437.26 £ 9,437.26 . Your Hiscox Insurance premium . Last year’s annual premium: This year’s annual premium £ 9,437.26 £ 9,437.26 . The premium includes all applicable insurance premium tax (IPT). Dear Dr Anthony Ali . Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 2020-10-24 . Good news; if you want cover to continue with us and to make sure you stay protected by our award-winning cover, you do not need to do anything. We will update your policy onto our latest wording and continue to collect payment using the payment details we have for you. You must read the important information contained in this email and the attached documents Your Hiscox Insurance Premium breakdown The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). The amount shown as last year’s Annual premium will take into account any changes to the cover which may have been made during the last policy period. Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) Professional indemnity £9,917.46 £9,917.46 Legal protection £4,654.03 £4,654.03 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 Power-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 2020-10-24 . 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 2020-10-24 . Good news; if you want cover to continue with us and to make sure you stay protected by our award-winning cover, you do not need to do anything. We will update your policy onto our latest wording and continue to collect payment using the payment details we have for you. You must read the important information contained in this email and the attached documents Your Hiscox Insurance Premium breakdown The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). The amount shown as last year’s Annual premium will take into account any changes to the cover which may have been made during the last policy period. Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) Professional indemnity £9,917.46 £9,917.46 Legal protection £4,654.03 £4,654.03 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 Power-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 2020-10-24 . We’re here between 8:30am - 5:30pm Monday to Friday . Please note that we can only discuss policy changes with people named on the policy. Why renew with Hiscox - Reassuring: we offer a range of cover options that can be tailored to your needs - Flexible: we offer full flexibility to change your policy, with no administration fees - Award-winning cover : we’ve been named Best Small Business Insurer 7 years running by Start Your Business Magazine Please click this link for the Hiscox Referral Portal: https://refer.aklamio.com/hiscox/uk?source=postpurchase Thank you again for choosing Hiscox to insure your business. We hope you and your business have a very successful year. Kind regards Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Your Hiscox Insurance Premium breakdown The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). Cover Professional indemnity Legal protection Crisis containment . Last year’s annual premium (exc IPT) £9,917.46 £4,654.03 £0.00 . This year’s annual Premium (exc IPT) £9,917.46 £4,654.03 . Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) . Professional indemnity £9,917.46 £9,917.46 . Legal protection £4,654.03 £4,654.03 . 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: Anthony Ali Frequency of collection: Annual Sort code: %BANK_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 24 January, 2022 £9,437.26 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: vyqjxsktxxdqdzao If you have any questions about your policy or payments, please call us on 0800 280 0351. We’re here between 8:30am - 5:30pm Monday to Friday or you can email us at service@hiscox.co.uk. Using your personal information Hiscox isa trading name ofa number of Hiscox companies. The specific company acting asa data controller of your personal information will be listed in the documentation we provide to you. If you are unsure you can also contact us at anytime by telephoning 01904 681198 or by emailing us at dataprotectionofficer@hiscox.com. We collect and process information about you in order to provide insurance policies and to process claims. Your information is also used for business purposes such as fraud prevention and detection and financial management. This may involve sharing your information with, and obtaining information about you from, our group companies and third parties such as brokers, loss adjusters, credit reference agencies, service providers, professional advisors, our regulators or fraud prevention agencies. We may record telephone calls to help us monitor and improve the service we provide. For further information on how your information is used and your rights in relation to your information please see our privacy policy at www.hiscox.co.uk/cookies-privacy. The Direct Debit Guarantee This Guarantee is offered by all banks and building societies that accept instructions to pay Direct Debits. If there are any changes to the amount, date or frequency of your Direct Debit Hiscox Underwriting Ltd will notify you ten working days in advance of your account being debited or as otherwise agreed. If you request Hiscox Underwriting Ltd to collect a payment, confirmation of the amount and date will be given to you at the time of the request. If an error is made in the payment of your Direct Debit by Hiscox Underwriting Ltd or your bank or building society you are entitled to a full and immediate refund of the amount paid from your bank or building society. – If you receive a refund you are not entitled to, you must pay it back when Hiscox Underwriting Ltd asks you to. You can cancel a Direct Debit at anytime by simply contacting your bank or building society. Written confirmation maybe required. Please also notify us. Page / 1 Hiscox Business Insurance Policy summary JAC-PSC-UK-DC556(5.4) 17431b 07/20 Your Hiscox Business Insurance policy summaries This document contains the summaries for any policy covers you have selected to protect your business. These summaries outline the key information about your policies so you can be confident that you have understood what you have bought and what you are covered for. However, you should carefully read your policy in full and ensure that you understand its terms and conditions in full. If you have any queries, you should contact Hiscox or your insurance advisor. Your side of the bargain Remember, your premium and insurance are based on the details you have provided to us. Please make sure this information accurately reflects your business and that you inform us immediately if anything needs to change. Please also tell us of any changes in circumstances that may affect the services provided by us or the cover provided by your policy. This is particularly important before taking out a policy, but it also applies throughout the life of the policy too. You need to consider: ■if you fail to fairly present the risk to us, including by failing to disclose any information material to the insurance, you could invalidate the policy, claims may not be paid or the amount we pay maybe reduced; ■you should read and check all insurance documents to ensure that you are aware of the cover, limits and other terms that apply; ■if you fail to let us know of any changes to your circumstances during the period of insurance or, if when telling us about such changes you fail to present the risk to us fairly, you could invalidate the policy, claims may not be paid or the amount we pay maybe reduced; ■please be aware of all terms and conditions of your policy because failure to comply with them could invalidate it or result in us not paying a claim or reducing the amount we pay; ■in the event ofa claim, you should take note of the required procedures, such as giving Hiscox prompt notice of the claims, as stated in the policy documentation. In particular, if you fail to notify us when you first become aware ofa shortcoming, fact, or problem, admit you are liable for what has happened or appoint solicitors or other legal representation without our prior written approval, claims or defence costs may not be paid or the amount we pay maybe reduced; ■as with any insurance, you have an obligation to take reasonable steps to mitigate any loss or liability; ■if you make a fraudulent claim or try to deceive us, we may terminate the policy. Policy length The period of insurance is shown on your policy schedule. Your policy schedule will also show if the policy is ona continuing cover basis. If itis ona continuing cover basis, we will renew your policy each year for another 12 months and continue to take payment (including any premium adjustment shown in your renewal invitation) using your existing arrangement, unless you tell us otherwise or if your risk changes. If your policy schedule does not show that the policy is ona continuing cover basis, cover will cease at the end of the period of insurance, unless you renew your policy with us. We will provide you witha statement of fact each year and provided that the information contained within the statement of fact is true, complete and accurate, you do not need to provide us with any further information. If any of the information in your statement of fact is not true, complete and accurate, you must let us know. If you do not let us know, it may affect the validity of the policy or our ability to pay a claim. Retroactive dates, geographical and jurisdiction limits Where any section of your policy schedule includes a retroactive date, we will not make any payment for any claim or loss under that section which arises from any activity performed or any act, incident or occurrence taking place, before the retroactive date. Where any section of your policy schedule shows the geographical limits which apply to that section of the policy, we will only pay for claims and losses under that section which arise from activities performed or acts, incidents or occurrences taking place within those geographical limits. Where any section provides cover in respect of your liability to third parties, we will only cover claims first made ina country within the applicable courts stated in that section of your policy schedule. Hiscox Business Insurance Policy summary JAC-PSC-UK-DC556(5.4) 17431b 07/20 Cancellation rights You can cancel this policy by giving us 30 days' notice. You will only be charged for the premiums due up to the date of cancellation. If we need to cancel the policy, we’ll give you 30 days’ notice in writing and refund any surplus premiums you might have paid. Please note – we may deduct an administration fee from any refunded payment.There is an exception to our 30-day notice period, which is triggered when we don’t receive your Direct Debit payments within the agreed 14-day period. At this point, we will contact you as soon as possible and stop the policyPage / 2 immediately. Underwritten by:Hiscox Underwriting Ltd on behalf of the insurers named in the schedule. Page / 1 Certificate of professional indemnity insurance Power-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:vyqjxsktxxdqdzao Name of policy holder:Power-Smith Period of insurance: From 2020-10-24 to 08/03/23 both days inclusive. This policy isa Continuing cover policy Insurer: Hiscox Insurance Company Limited Retroactive date: 29 February, 2024 Level of cover:£1,000,000 Signed on behalf of Hiscox Underwriting Limited as agent for the insurers Jon Dye CEO, Hiscox UK Notes: (a) This insurance is subject to policy terms and conditions and any special terms notified to the InsuredPage / 1 Hiscox Business Insurance Policy Schedule 14502 10/18 This schedule tells you what is insured with us. It should be read carefully with your policy wording(s) and statement of fact detailed elsewhere in this document. Schedule effective date: 2020-10-24 Insurance details Policy number: vyqjxsktxxdqdzao Period of insurance: From 2020-10-24 to 08/03/23 both days inclusive. This policy isa Continuing cover policy. Insured: Power-Smith Address: Flat 2 Taylor islands Lake Gary FARNHAM UB0 1XX Additional insureds: None Business: Management Consultants Premium details Charged premium – the total amount you’ll pay for this policy. Charged premium: £2,851.76 Insurance Premium Tax (IPT): £7,633.80 Total charged premium: £9,437.26 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: £2,851.76 Insurance Premium Tax (IPT): £7,633.80 Annual total: £9,437.26 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 £9,917.46 Legal protection £100,000 £0 £4,654.03 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: 2020-10-24 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 29 February, 2024 Insurer Hiscox Insurance Company LimitedPage / 1 Hiscox Insurance Summary of change Introduction This document has been created to help you understand the key changes to your Hiscox Insurance policy and how they may impact you. Your policy continues to offer professional, tailored insurance to protect you and give you peace of mind that if you need us, you will be supported by our award winning claims team. If you have a query not covered by this document, or if you have any questions or concerns about your policy you should contact us. Frequently asked questions What if my circumstances change during the period of insurance? If your circumstances change during the period of insurance, you only need to let us know if the change means that any of the information in the Statement of Fact is no longer true, complete and accurate. If there are no such changes, you do not need to let us know. If any of the information within the Statement of Fact becomes no longer complete, true or accurate at any point during the period of insurance you must tell us as it may affect the validity of the policy or our ability to pay a claim. Additionally, if your contact details change then you should let us know straightaway. Where doI find the limits that apply to my policy? You can find your maximum allowable limits for turnover and wage rollin your Statement of Fact. You must check this information and tell us or your broker if you expect to exceed the maximum amounts shown. Please note these values may have changed. If there are special limits or special excesses applying to particular covers or types of losses these will be shown in the policy schedule. Please check your policy schedule carefully as they may have changed. My new schedule shows a different premium to last year? What has changed? If an underwriter has reviewed your policy then they may have manually adjusted your premium, for example if you’ve had claims in the last 12 months. Where doI find out about any endorsements on my policy? You will be able to see if an endorsement has been applied or removed by reviewing your Policy Schedule. If you have any queries or concerns, please contact us or your broker if you have one. Hiscox Insurance Summary of change Professional indemnity for business management consultants Summary of change Changes to the cover The following table shows the differences between our new policy wordings (5570 WD- PROF-UK-MAN(7), 15579 WD-PROF-UK-MAN-AG(3)) and our previous wordings (5570 WD-PROF-UK-MAN(6), 15579 WD-PROF-UK-MAN-AG(2)). This isa summary of the changes only. You should refer to the schedule and policy wording for the full description of the cover in place. Area of cover Previous policy New policy Improvement in cover Claims against you Advertising claims. We will pay claims arising from your advertising or branding for defamation or infringement of copyright or moral rights. This does not include claims for passing off, unauthorised use of trademarks or false or misleading advertising. Previously cover was not restricted to defamation or the infringement of copyright or moral rights.Covered Amended Your own lossesChanges to ‘what is covered’ Losses from dishonesty. Your losses arising from the dishonesty of your employees, sub-contractors or outsourcers.Covered Not covered Area of cover Previous policy New policy Improvement in cover Cyber incident. We will not pay claims relating to an actual or possible cyber attack, hacker or social engineering communication. Previously we excluded any virus not specifically targeted at your system.Covered Not covered Computer or digital technology error. We will not pay claims arising from any negligent act, error or omission in the operation or maintenance of computer or digital technology such as development, installation, patching or upgrading.Covered Not coveredChanges to ‘what is not covered’ Infrastructure. We will not pay claims arising from the failure of the service provided by internet, telecommunications, utilities or other infrastructure providers.Covered Not covered Hiscox Insurance Summary of change Personal data. We will not pay claims relating to personal data. We will pay such claims where they arise from your performance ofa business activity and which is not otherwise excluded. Subject to the limit shown in the schedule.Covered Not covered Other important changes Control of defence. Under the previous wording we had a duty to defend you against any covered claim brought against you. We now have the right but not the obligation to take control of the conduct of the claim including the appointment of legal representation. Please refer to the policy wording for full details. SOC-PROF-UK-MAN(1) 21367 01/21
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vyqjxsktxxdqdzao
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(?<=Policy number - )[-\w_\/\.]+?(?= Company name)
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2020-10-24
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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 - KC/-35NE5Z06ICPP6T Company name: Summers-Martin It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : KC/-35NE5Z06ICPP6T. Company name: Summers-Martin. Your Hiscox Insurance premium. Last year’s annual premium: This year’s annual premium. £ 3,773.95. £ 3,773.95. The premium includes all applicable insurance premium tax (IPT). Dear Mr Dr Joseph Perry. Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 04/06/23 . 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. £8,499.81. £8,499.81. Legal protection. £7,803.45. £7,803.45. Crisis containment. £0.00. Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy . Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government increase in Insurance Premium Tax as shown. Is our information correct? Your premium and cover are based on what you’ve told us about Summers-Martin , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay. . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover. Policy summary for each cover. ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover . As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before 04/06/23 . 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 : KC/-35NE5Z06ICPP6T Company name: Summers-Martin . It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : KC/-35NE5Z06ICPP6T Company name: Summers-Martin . Your Hiscox Insurance premium Last year’s annual premium: This year’s annual premium The premium includes all applicable insurance premium tax (IPT). £ 3,773.95 £ 3,773.95 . Your Hiscox Insurance premium . Last year’s annual premium: This year’s annual premium £ 3,773.95 £ 3,773.95 . The premium includes all applicable insurance premium tax (IPT). Dear Mr Dr Joseph Perry . Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 04/06/23 . 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 £8,499.81 £8,499.81 Legal protection £7,803.45 £7,803.45 Crisis containment £0.00 Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government increase in Insurance Premium Tax as shown. Is our information correct? Your premium and cover are based on what you’ve told us about Summers-Martin , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover Policy summary for each cover ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before 04/06/23 . 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 04/06/23 . 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 £8,499.81 £8,499.81 Legal protection £7,803.45 £7,803.45 Crisis containment £0.00 Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government increase in Insurance Premium Tax as shown. Is our information correct? Your premium and cover are based on what you’ve told us about Summers-Martin , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover Policy summary for each cover ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before 04/06/23 . 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) £8,499.81 £7,803.45 £0.00 . This year’s annual Premium (exc IPT) £8,499.81 £7,803.45 . Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) . Professional indemnity £8,499.81 £8,499.81 . Legal protection £7,803.45 £7,803.45 . Crisis containment £0.00 . Kind regards Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre . Kind regards . Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave . To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre . Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Page / 1 Hiscox Business Insurance Policy wording 17431a - DC565 WORDING 04/17Guide to sectionsIntroduction Policy wordings General terms and conditions Professional indemnity for business management consultants Legal protection Crisis containment Hiscox Business Insurance Policy wording 17431a - DC565 WORDING 04/17IntroductionThank you for choosing Hiscox to protect your business. We hope that the language and layout of this policy wording are clear because we want you to understand the insurance we provide as well as the responsibilities we have to each other. Please read this document, including the policy schedule, policy summary and statement of fact, and let us know as soon as possible if any of the details are shown incorrectly. We always try to deliver to the highest standards of service. Your views are important to us, so if you feel that our service is below the standard you would expect from Hiscox, please contact us on the phone number shown in your policy schedule. Please note that some of the words we use in this insurance are shown in bold type. These words are defined in each section of the wording. Page / 1 Hiscox Insurance Payment schedule Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Thank you for continuing to pay for your policy by Direct Debit. Please check these details and let us know if anything is incorrect or if the schedule is not suitable. Your reference details Account holder name: Dr Joseph Perry Frequency of collection: Annual Sort code: %BANK_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 06 May, 2024 £3,773.95 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: KC/-35NE5Z06ICPP6T If you have any questions about your policy or payments, please call us on 0800 280 0351. We’re here between 8:30am - 5:30pm Monday to Friday or you can email us at service@hiscox.co.uk. Using your personal information Hiscox isa trading name ofa number of Hiscox companies. The specific company acting asa data controller of your personal information will be listed in the documentation we provide to you. If you are unsure you can also contact us at anytime by telephoning 01904 681198 or by emailing us at dataprotectionofficer@hiscox.com. We collect and process information about you in order to provide insurance policies and to process claims. Your information is also used for business purposes such as fraud prevention and detection and financial management. This may involve sharing your information with, and obtaining information about you from, our group companies and third parties such as brokers, loss adjusters, credit reference agencies, service providers, professional advisors, our regulators or fraud prevention agencies. We may record telephone calls to help us monitor and improve the service we provide. For further information on how your information is used and your rights in relation to your information please see our privacy policy at www.hiscox.co.uk/cookies-privacy. The Direct Debit Guarantee This Guarantee is offered by all banks and building societies that accept instructions to pay Direct Debits. If there are any changes to the amount, date or frequency of your Direct Debit Hiscox Underwriting Ltd will notify you ten working days in advance of your account being debited or as otherwise agreed. If you request Hiscox Underwriting Ltd to collect a payment, confirmation of the amount and date will be given to you at the time of the request. If an error is made in the payment of your Direct Debit by Hiscox Underwriting Ltd or your bank or building society you are entitled to a full and immediate refund of the amount paid from your bank or building society. – If you receive a refund you are not entitled to, you must pay it back when Hiscox Underwriting Ltd asks you to. You can cancel a Direct Debit at anytime by simply contacting your bank or building society. Written confirmation maybe required. Please also notify us. Page / 1 Hiscox Business Insurance Policy summary JAC-PSC-UK-DC556(5.4) 17431b 07/20 Your Hiscox Business Insurance policy summaries This document contains the summaries for any policy covers you have selected to protect your business. These summaries outline the key information about your policies so you can be confident that you have understood what you have bought and what you are covered for. However, you should carefully read your policy in full and ensure that you understand its terms and conditions in full. If you have any queries, you should contact Hiscox or your insurance advisor. Your side of the bargain Remember, your premium and insurance are based on the details you have provided to us. Please make sure this information accurately reflects your business and that you inform us immediately if anything needs to change. Please also tell us of any changes in circumstances that may affect the services provided by us or the cover provided by your policy. This is particularly important before taking out a policy, but it also applies throughout the life of the policy too. You need to consider: ■if you fail to fairly present the risk to us, including by failing to disclose any information material to the insurance, you could invalidate the policy, claims may not be paid or the amount we pay maybe reduced; ■you should read and check all insurance documents to ensure that you are aware of the cover, limits and other terms that apply; ■if you fail to let us know of any changes to your circumstances during the period of insurance or, if when telling us about such changes you fail to present the risk to us fairly, you could invalidate the policy, claims may not be paid or the amount we pay maybe reduced; ■please be aware of all terms and conditions of your policy because failure to comply with them could invalidate it or result in us not paying a claim or reducing the amount we pay; ■in the event ofa claim, you should take note of the required procedures, such as giving Hiscox prompt notice of the claims, as stated in the policy documentation. In particular, if you fail to notify us when you first become aware ofa shortcoming, fact, or problem, admit you are liable for what has happened or appoint solicitors or other legal representation without our prior written approval, claims or defence costs may not be paid or the amount we pay maybe reduced; ■as with any insurance, you have an obligation to take reasonable steps to mitigate any loss or liability; ■if you make a fraudulent claim or try to deceive us, we may terminate the policy. Policy length The period of insurance is shown on your policy schedule. Your policy schedule will also show if the policy is ona continuing cover basis. If itis ona continuing cover basis, we will renew your policy each year for another 12 months and continue to take payment (including any premium adjustment shown in your renewal invitation) using your existing arrangement, unless you tell us otherwise or if your risk changes. If your policy schedule does not show that the policy is ona continuing cover basis, cover will cease at the end of the period of insurance, unless you renew your policy with us. We will provide you witha statement of fact each year and provided that the information contained within the statement of fact is true, complete and accurate, you do not need to provide us with any further information. If any of the information in your statement of fact is not true, complete and accurate, you must let us know. If you do not let us know, it may affect the validity of the policy or our ability to pay a claim. Retroactive dates, geographical and jurisdiction limits Where any section of your policy schedule includes a retroactive date, we will not make any payment for any claim or loss under that section which arises from any activity performed or any act, incident or occurrence taking place, before the retroactive date. Where any section of your policy schedule shows the geographical limits which apply to that section of the policy, we will only pay for claims and losses under that section which arise from activities performed or acts, incidents or occurrences taking place within those geographical limits. Where any section provides cover in respect of your liability to third parties, we will only cover claims first made ina country within the applicable courts stated in that section of your policy schedule. Hiscox Business Insurance Policy summary JAC-PSC-UK-DC556(5.4) 17431b 07/20 Cancellation rights You can cancel this policy by giving us 30 days' notice. You will only be charged for the premiums due up to the date of cancellation. If we need to cancel the policy, we’ll give you 30 days’ notice in writing and refund any surplus premiums you might have paid. Please note – we may deduct an administration fee from any refunded payment.There is an exception to our 30-day notice period, which is triggered when we don’t receive your Direct Debit payments within the agreed 14-day period. At this point, we will contact you as soon as possible and stop the policyPage / 2 immediately. Underwritten by:Hiscox Underwriting Ltd on behalf of the insurers named in the schedule. Page / 1 Certificate of professional indemnity insurance Summers-Martin Hiscox Underwriting Ltd of 1 Great St. Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Certificate of professional indemnity Insurance Policy number:KC/-35NE5Z06ICPP6T Name of policy holder:Summers-Martin Period of insurance: From 04/06/23 to Sat 07 September, 2019 both days inclusive. This policy isa Continuing cover policy Insurer: Hiscox Insurance Company Limited Retroactive date: Monday 25 November, 2019 Level of cover:£1,000,000 Signed on behalf of Hiscox Underwriting Limited as agent for the insurers Jon Dye CEO, Hiscox UK Notes: (a) This insurance is subject to policy terms and conditions and any special terms notified to the InsuredPage / 1 Hiscox Business Insurance Policy Schedule 14502 10/18 This schedule tells you what is insured with us. It should be read carefully with your policy wording(s) and statement of fact detailed elsewhere in this document. Schedule effective date: 04/06/23 Insurance details Policy number: KC/-35NE5Z06ICPP6T Period of insurance: From 04/06/23 to Sat 07 September, 2019 both days inclusive. This policy isa Continuing cover policy. Insured: Summers-Martin Address: 12 Ross hollow West Bernardside FARNHAM WS6W 6DD Additional insureds: None Business: Management Consultants Premium details Charged premium – the total amount you’ll pay for this policy. Charged premium: £4,014.95 Insurance Premium Tax (IPT): £2,300.68 Total charged premium: £3,773.95 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: £4,014.95 Insurance Premium Tax (IPT): £2,300.68 Annual total: £3,773.95 Please note that there will be no refund or additional premium for any transaction which is less than £20 (excluding IPT). Hiscox Business Insurance Policy Schedule 14502 10/18 Summary Claims information If you need to make a claim: - For claims relating to your building or contents please contact our claims team on 0800 247 1902, 9.00am – 5:30pm Monday to Friday. If you wish to make a claim online, you can log most claims quickly and easily through our claims notification portal at https://claims.hiscox.co.uk/. Outside of normal business hours, if you require emergency assistance in relation to substantial damage to your property, you can speak to our 24-hour emergency assistance team using the telephone number above. Your policy schedule will state if property cover is included in your policy. Our out-of-hours emergency assistance team operate ona pay-and-claim basis and you will need to have credit card details available as appropriate. The team will then be able to direct you to essential tradesmen, emergency loss adjusters or disaster management companies in the event of substantial damage. - If there isa claim (or potential claim) against you bya third party, please email us at liability.claims@hiscox.com. If you need to speak to a member of the claims team urgently, please call our team on 0800 711 7156, 9.00am – 5:30pm Monday to Friday. If you wish to make a claim online, you can log most claims quickly and easily through our claims notification portal at https://claims.hiscox.co.uk/. You will need to provide your full name and contact details, the name of your business or organisation, your address and postcode, the policy reference and circumstances of the claim. The Important information and contact details section below contains additional information specific to the covers applicable to your policy. If you are unsure of who to contact please call our team on 0800 711 7156, 9.00am – 5:30pm Monday to Friday. They will ensure you get through to the correct claims team and let you know what actions you need to take. If anything happens that might be covered under the policy, you must comply with the obligations set out in General claims conditions, together with the obligations set out under Your obligations in the section or sections under which you are making the claim. Itis important that you read the policy for details of its terms in full. Your covers This isa summary of each section of your policy. See each section for cover details. Cover Insurance amount Excess Annual Premium (exc IPT) Professional indemnity £1,000,000 £1,000 £8,499.81 Legal protection £100,000 £0 £7,803.45 Crisis containment £25,000 - £0.00 The figures above are in summary only and are not in addition to the amount insured specified against each cover section below. Hiscox Business Insurance Policy Schedule 14502 10/18 SECTION: PROFESSIONAL INDEMNITY – MANAGEMENT CONSULTANTS Cover start date: 04/06/23 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 Monday 25 November, 2019 Insurer Hiscox Insurance Company LimitedPage / 1 Hiscox Insurance Summary of change Introduction This document has been created to help you understand the key changes to your Hiscox Insurance policy and how they may impact you. Your policy continues to offer professional, tailored insurance to protect you and give you peace of mind that if you need us, you will be supported by our award winning claims team. If you have a query not covered by this document, or if you have any questions or concerns about your policy you should contact us. Frequently asked questions What if my circumstances change during the period of insurance? If your circumstances change during the period of insurance, you only need to let us know if the change means that any of the information in the Statement of Fact is no longer true, complete and accurate. If there are no such changes, you do not need to let us know. If any of the information within the Statement of Fact becomes no longer complete, true or accurate at any point during the period of insurance you must tell us as it may affect the validity of the policy or our ability to pay a claim. Additionally, if your contact details change then you should let us know straightaway. Where doI find the limits that apply to my policy? You can find your maximum allowable limits for turnover and wage rollin your Statement of Fact. You must check this information and tell us or your broker if you expect to exceed the maximum amounts shown. Please note these values may have changed. If there are special limits or special excesses applying to particular covers or types of losses these will be shown in the policy schedule. Please check your policy schedule carefully as they may have changed. My new schedule shows a different premium to last year? What has changed? If an underwriter has reviewed your policy then they may have manually adjusted your premium, for example if you’ve had claims in the last 12 months. Where doI find out about any endorsements on my policy? You will be able to see if an endorsement has been applied or removed by reviewing your Policy Schedule. If you have any queries or concerns, please contact us or your broker if you have one. Hiscox Insurance Summary of change Professional indemnity for business management consultants Summary of change Changes to the cover The following table shows the differences between our new policy wordings (5570 WD- PROF-UK-MAN(7), 15579 WD-PROF-UK-MAN-AG(3)) and our previous wordings (5570 WD-PROF-UK-MAN(6), 15579 WD-PROF-UK-MAN-AG(2)). This isa summary of the changes only. You should refer to the schedule and policy wording for the full description of the cover in place. Area of cover Previous policy New policy Improvement in cover Claims against you Advertising claims. We will pay claims arising from your advertising or branding for defamation or infringement of copyright or moral rights. This does not include claims for passing off, unauthorised use of trademarks or false or misleading advertising. Previously cover was not restricted to defamation or the infringement of copyright or moral rights.Covered Amended Your own lossesChanges to ‘what is covered’ Losses from dishonesty. Your losses arising from the dishonesty of your employees, sub-contractors or outsourcers.Covered Not covered Area of cover Previous policy New policy Improvement in cover Cyber incident. We will not pay claims relating to an actual or possible cyber attack, hacker or social engineering communication. Previously we excluded any virus not specifically targeted at your system.Covered Not covered Computer or digital technology error. We will not pay claims arising from any negligent act, error or omission in the operation or maintenance of computer or digital technology such as development, installation, patching or upgrading.Covered Not coveredChanges to ‘what is not covered’ Infrastructure. We will not pay claims arising from the failure of the service provided by internet, telecommunications, utilities or other infrastructure providers.Covered Not covered Hiscox Insurance Summary of change Personal data. We will not pay claims relating to personal data. We will pay such claims where they arise from your performance ofa business activity and which is not otherwise excluded. Subject to the limit shown in the schedule.Covered Not covered Other important changes Control of defence. Under the previous wording we had a duty to defend you against any covered claim brought against you. We now have the right but not the obligation to take control of the conduct of the claim including the appointment of legal representation. Please refer to the policy wording for full details. SOC-PROF-UK-MAN(1) 21367 01/21
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KC/-35NE5Z06ICPP6T
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(?<=Policy number - )[-\w_\/\.]+?(?= Company name)
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04/06/23
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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 - tuhnksj.oooij_ Company name: Cooper-Miller It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : tuhnksj.oooij_. Company name: Cooper-Miller. Your Hiscox Insurance premium. Last year’s annual premium: This year’s annual premium. £ 2,552.04. £ 2,552.04. The premium includes all applicable insurance premium tax (IPT). Dear Miss Denis Mitchell-Knight. Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on Fri 21 June, 2024 . Good news; if you want cover to continue with us and to make sure you stay protected by our award-winning cover, you do not need to do anything. We will update your policy onto our latest wording and continue to collect payment using the payment details we have for you. You must read the important information contained in this email and the attached documents. Your Hiscox Insurance Premium breakdown. The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). The amount shown as last year’s Annual premium will take into account any changes to the cover which may have been made during the last policy period. Cover. Last year’s annual premium (exc IPT). This year’s annual Premium (exc IPT). Professional indemnity. £7,302.74. £7,302.74. Legal protection. £6,904.26. £6,904.26. Crisis containment. £0.00. Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy . Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government increase in Insurance Premium Tax as shown. Is our information correct? Your premium and cover are based on what you’ve told us about Cooper-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 Fri 21 June, 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 : tuhnksj.oooij_ Company name: Cooper-Miller . It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : tuhnksj.oooij_ Company name: Cooper-Miller . Your Hiscox Insurance premium Last year’s annual premium: This year’s annual premium The premium includes all applicable insurance premium tax (IPT). £ 2,552.04 £ 2,552.04 . Your Hiscox Insurance premium . Last year’s annual premium: This year’s annual premium £ 2,552.04 £ 2,552.04 . The premium includes all applicable insurance premium tax (IPT). Dear Miss Denis Mitchell-Knight . Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on Fri 21 June, 2024 . Good news; if you want cover to continue with us and to make sure you stay protected by our award-winning cover, you do not need to do anything. We will update your policy onto our latest wording and continue to collect payment using the payment details we have for you. You must read the important information contained in this email and the attached documents Your Hiscox Insurance Premium breakdown The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). The amount shown as last year’s Annual premium will take into account any changes to the cover which may have been made during the last policy period. Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) Professional indemnity £7,302.74 £7,302.74 Legal protection £6,904.26 £6,904.26 Crisis containment £0.00 Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government increase in Insurance Premium Tax as shown. Is our information correct? Your premium and cover are based on what you’ve told us about Cooper-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 Fri 21 June, 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 Fri 21 June, 2024 . Good news; if you want cover to continue with us and to make sure you stay protected by our award-winning cover, you do not need to do anything. We will update your policy onto our latest wording and continue to collect payment using the payment details we have for you. You must read the important information contained in this email and the attached documents Your Hiscox Insurance Premium breakdown The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). The amount shown as last year’s Annual premium will take into account any changes to the cover which may have been made during the last policy period. Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) Professional indemnity £7,302.74 £7,302.74 Legal protection £6,904.26 £6,904.26 Crisis containment £0.00 Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government increase in Insurance Premium Tax as shown. Is our information correct? Your premium and cover are based on what you’ve told us about Cooper-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 Fri 21 June, 2024 . We’re here between 8:30am - 5:30pm Monday to Friday . Please note that we can only discuss policy changes with people named on the policy. Why renew with Hiscox - Reassuring: we offer a range of cover options that can be tailored to your needs - Flexible: we offer full flexibility to change your policy, with no administration fees - Award-winning cover : we’ve been named Best Small Business Insurer 7 years running by Start Your Business Magazine Please click this link for the Hiscox Referral Portal: https://refer.aklamio.com/hiscox/uk?source=postpurchase Thank you again for choosing Hiscox to insure your business. We hope you and your business have a very successful year. Kind regards Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Your Hiscox Insurance Premium breakdown The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). Cover Professional indemnity Legal protection Crisis containment . Last year’s annual premium (exc IPT) £7,302.74 £6,904.26 £0.00 . This year’s annual Premium (exc IPT) £7,302.74 £6,904.26 . Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) . Professional indemnity £7,302.74 £7,302.74 . Legal protection £6,904.26 £6,904.26 . Crisis containment £0.00 . Kind regards Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre . Kind regards . Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave . To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre . Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Page / 1 Hiscox Business Insurance Policy wording 17431a - DC565 WORDING 04/17Guide to sectionsIntroduction Policy wordings General terms and conditions Professional indemnity for business management consultants Legal protection Crisis containment Hiscox Business Insurance Policy wording 17431a - DC565 WORDING 04/17IntroductionThank you for choosing Hiscox to protect your business. We hope that the language and layout of this policy wording are clear because we want you to understand the insurance we provide as well as the responsibilities we have to each other. Please read this document, including the policy schedule, policy summary and statement of fact, and let us know as soon as possible if any of the details are shown incorrectly. We always try to deliver to the highest standards of service. Your views are important to us, so if you feel that our service is below the standard you would expect from Hiscox, please contact us on the phone number shown in your policy schedule. Please note that some of the words we use in this insurance are shown in bold type. These words are defined in each section of the wording. Page / 1 Hiscox Insurance Payment schedule Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Thank you for continuing to pay for your policy by Direct Debit. Please check these details and let us know if anything is incorrect or if the schedule is not suitable. Your reference details Account holder name: Denis Mitchell-Knight Frequency of collection: Annual Sort code: %BANK_SORT_CODE_1% Account number: %BANK_ACCOUNT_NUMBER_1% Your Direct Debit schedule We will take payments on the dates outlined below: Date Amount 28/06/20 £2,552.04 Where your chosen collection date falls ona non-working day then we will endeavour to collect the next working day. For your information, the collections will be made using the following reference number: Originator Identification Number: 293461 Reference Number: tuhnksj.oooij_ If you have any questions about your policy or payments, please call us on 0800 280 0351. We’re here between 8:30am - 5:30pm Monday to Friday or you can email us at service@hiscox.co.uk. Using your personal information Hiscox isa trading name ofa number of Hiscox companies. The specific company acting asa data controller of your personal information will be listed in the documentation we provide to you. If you are unsure you can also contact us at anytime by telephoning 01904 681198 or by emailing us at dataprotectionofficer@hiscox.com. We collect and process information about you in order to provide insurance policies and to process claims. Your information is also used for business purposes such as fraud prevention and detection and financial management. This may involve sharing your information with, and obtaining information about you from, our group companies and third parties such as brokers, loss adjusters, credit reference agencies, service providers, professional advisors, our regulators or fraud prevention agencies. We may record telephone calls to help us monitor and improve the service we provide. For further information on how your information is used and your rights in relation to your information please see our privacy policy at www.hiscox.co.uk/cookies-privacy. The Direct Debit Guarantee This Guarantee is offered by all banks and building societies that accept instructions to pay Direct Debits. If there are any changes to the amount, date or frequency of your Direct Debit Hiscox Underwriting Ltd will notify you ten working days in advance of your account being debited or as otherwise agreed. If you request Hiscox Underwriting Ltd to collect a payment, confirmation of the amount and date will be given to you at the time of the request. If an error is made in the payment of your Direct Debit by Hiscox Underwriting Ltd or your bank or building society you are entitled to a full and immediate refund of the amount paid from your bank or building society. – If you receive a refund you are not entitled to, you must pay it back when Hiscox Underwriting Ltd asks you to. You can cancel a Direct Debit at anytime by simply contacting your bank or building society. Written confirmation maybe required. Please also notify us. Page / 1 Hiscox Business Insurance Policy summary JAC-PSC-UK-DC556(5.4) 17431b 07/20 Your Hiscox Business Insurance policy summaries This document contains the summaries for any policy covers you have selected to protect your business. These summaries outline the key information about your policies so you can be confident that you have understood what you have bought and what you are covered for. However, you should carefully read your policy in full and ensure that you understand its terms and conditions in full. If you have any queries, you should contact Hiscox or your insurance advisor. Your side of the bargain Remember, your premium and insurance are based on the details you have provided to us. Please make sure this information accurately reflects your business and that you inform us immediately if anything needs to change. Please also tell us of any changes in circumstances that may affect the services provided by us or the cover provided by your policy. This is particularly important before taking out a policy, but it also applies throughout the life of the policy too. You need to consider: ■if you fail to fairly present the risk to us, including by failing to disclose any information material to the insurance, you could invalidate the policy, claims may not be paid or the amount we pay maybe reduced; ■you should read and check all insurance documents to ensure that you are aware of the cover, limits and other terms that apply; ■if you fail to let us know of any changes to your circumstances during the period of insurance or, if when telling us about such changes you fail to present the risk to us fairly, you could invalidate the policy, claims may not be paid or the amount we pay maybe reduced; ■please be aware of all terms and conditions of your policy because failure to comply with them could invalidate it or result in us not paying a claim or reducing the amount we pay; ■in the event ofa claim, you should take note of the required procedures, such as giving Hiscox prompt notice of the claims, as stated in the policy documentation. In particular, if you fail to notify us when you first become aware ofa shortcoming, fact, or problem, admit you are liable for what has happened or appoint solicitors or other legal representation without our prior written approval, claims or defence costs may not be paid or the amount we pay maybe reduced; ■as with any insurance, you have an obligation to take reasonable steps to mitigate any loss or liability; ■if you make a fraudulent claim or try to deceive us, we may terminate the policy. Policy length The period of insurance is shown on your policy schedule. Your policy schedule will also show if the policy is ona continuing cover basis. If itis ona continuing cover basis, we will renew your policy each year for another 12 months and continue to take payment (including any premium adjustment shown in your renewal invitation) using your existing arrangement, unless you tell us otherwise or if your risk changes. If your policy schedule does not show that the policy is ona continuing cover basis, cover will cease at the end of the period of insurance, unless you renew your policy with us. We will provide you witha statement of fact each year and provided that the information contained within the statement of fact is true, complete and accurate, you do not need to provide us with any further information. If any of the information in your statement of fact is not true, complete and accurate, you must let us know. If you do not let us know, it may affect the validity of the policy or our ability to pay a claim. Retroactive dates, geographical and jurisdiction limits Where any section of your policy schedule includes a retroactive date, we will not make any payment for any claim or loss under that section which arises from any activity performed or any act, incident or occurrence taking place, before the retroactive date. Where any section of your policy schedule shows the geographical limits which apply to that section of the policy, we will only pay for claims and losses under that section which arise from activities performed or acts, incidents or occurrences taking place within those geographical limits. Where any section provides cover in respect of your liability to third parties, we will only cover claims first made ina country within the applicable courts stated in that section of your policy schedule. Hiscox Business Insurance Policy summary JAC-PSC-UK-DC556(5.4) 17431b 07/20 Cancellation rights You can cancel this policy by giving us 30 days' notice. You will only be charged for the premiums due up to the date of cancellation. If we need to cancel the policy, we’ll give you 30 days’ notice in writing and refund any surplus premiums you might have paid. Please note – we may deduct an administration fee from any refunded payment.There is an exception to our 30-day notice period, which is triggered when we don’t receive your Direct Debit payments within the agreed 14-day period. At this point, we will contact you as soon as possible and stop the 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-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:tuhnksj.oooij_ Name of policy holder:Cooper-Miller Period of insurance: From Fri 21 June, 2024 to 26/12/2025 both days inclusive. This policy isa Continuing cover policy Insurer: Hiscox Insurance Company Limited Retroactive date: 02/03/2020 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 21 June, 2024 Insurance details Policy number: tuhnksj.oooij_ Period of insurance: From Fri 21 June, 2024 to 26/12/2025 both days inclusive. This policy isa Continuing cover policy. Insured: Cooper-Miller Address: Studio 39N Hodgson harbor Richardsonport FARNHAM G7G 9PP Additional insureds: None Business: Management Consultants Premium details Charged premium – the total amount you’ll pay for this policy. Charged premium: £1,845.57 Insurance Premium Tax (IPT): £9,374.74 Total charged premium: £2,552.04 Annualised premium – the annual premium for this policy. This is given for comparison purposes. Please refer to the charged premium section for the amount you’ll pay for the policy. Annual premium: £1,845.57 Insurance Premium Tax (IPT): £9,374.74 Annual total: £2,552.04 Please note that there will be no refund or additional premium for any transaction which is less than £20 (excluding IPT). Hiscox Business Insurance Policy Schedule 14502 10/18 Summary Claims information If you need to make a claim: - For claims relating to your building or contents please contact our claims team on 0800 247 1902, 9.00am – 5:30pm Monday to Friday. If you wish to make a claim online, you can log most claims quickly and easily through our claims notification portal at https://claims.hiscox.co.uk/. Outside of normal business hours, if you require emergency assistance in relation to substantial damage to your property, you can speak to our 24-hour emergency assistance team using the telephone number above. Your policy schedule will state if property cover is included in your policy. Our out-of-hours emergency assistance team operate ona pay-and-claim basis and you will need to have credit card details available as appropriate. The team will then be able to direct you to essential tradesmen, emergency loss adjusters or disaster management companies in the event of substantial damage. - If there isa claim (or potential claim) against you bya third party, please email us at liability.claims@hiscox.com. If you need to speak to a member of the claims team urgently, please call our team on 0800 711 7156, 9.00am – 5:30pm Monday to Friday. If you wish to make a claim online, you can log most claims quickly and easily through our claims notification portal at https://claims.hiscox.co.uk/. You will need to provide your full name and contact details, the name of your business or organisation, your address and postcode, the policy reference and circumstances of the claim. The Important information and contact details section below contains additional information specific to the covers applicable to your policy. If you are unsure of who to contact please call our team on 0800 711 7156, 9.00am – 5:30pm Monday to Friday. They will ensure you get through to the correct claims team and let you know what actions you need to take. If anything happens that might be covered under the policy, you must comply with the obligations set out in General claims conditions, together with the obligations set out under Your obligations in the section or sections under which you are making the claim. Itis important that you read the policy for details of its terms in full. Your covers This isa summary of each section of your policy. See each section for cover details. Cover Insurance amount Excess Annual Premium (exc IPT) Professional indemnity £1,000,000 £1,000 £7,302.74 Legal protection £100,000 £0 £6,904.26 Crisis containment £25,000 - £0.00 The figures above are in summary only and are not in addition to the amount insured specified against each cover section below. Hiscox Business Insurance Policy Schedule 14502 10/18 SECTION: PROFESSIONAL INDEMNITY – MANAGEMENT CONSULTANTS Cover start date: Fri 21 June, 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 02/03/2020 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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Fri 21 June, 2024
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Hiscox Business Insurance - Policy number - 5VTUY2IEFT Company name: Smith Ltd It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : 5VTUY2IEFT. Company name: Smith Ltd. Your Hiscox Insurance premium. Last year’s annual premium: This year’s annual premium. £ 5,493.28. £ 5,493.28. The premium includes all applicable insurance premium tax (IPT). Dear Mr Clare Jones. Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 20/03/24 . 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. £4,256.40. £4,256.40. Legal protection. £7,520.72. £7,520.72. 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 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 20/03/24 . 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 : 5VTUY2IEFT Company name: Smith Ltd . It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : 5VTUY2IEFT 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). £ 5,493.28 £ 5,493.28 . Your Hiscox Insurance premium . Last year’s annual premium: This year’s annual premium £ 5,493.28 £ 5,493.28 . The premium includes all applicable insurance premium tax (IPT). Dear Mr Clare Jones . Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 20/03/24 . 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 £4,256.40 £4,256.40 Legal protection £7,520.72 £7,520.72 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 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 20/03/24 . 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 20/03/24 . 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 £4,256.40 £4,256.40 Legal protection £7,520.72 £7,520.72 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 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 20/03/24 . 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) £4,256.40 £7,520.72 £0.00 . This year’s annual Premium (exc IPT) £4,256.40 £7,520.72 . Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) . Professional indemnity £4,256.40 £4,256.40 . Legal protection £7,520.72 £7,520.72 . 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: Clare Jones Frequency of collection: Annual Sort code: %BANK_SORT_CODE_1% Account number: %BANK_ACCOUNT_NUMBER_1% Your Direct Debit schedule We will take payments on the dates outlined below: Date Amount 17 April, 2021 £5,493.28 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: 5VTUY2IEFT If you have any questions about your policy or payments, please call us on 0800 280 0351. We’re here between 8:30am - 5:30pm Monday to Friday or you can email us at service@hiscox.co.uk. Using your personal information Hiscox isa trading name ofa number of Hiscox companies. The specific company acting asa data controller of your personal information will be listed in the documentation we provide to you. If you are unsure you can also contact us at anytime by telephoning 01904 681198 or by emailing us at dataprotectionofficer@hiscox.com. We collect and process information about you in order to provide insurance policies and to process claims. Your information is also used for business purposes such as fraud prevention and detection and financial management. This may involve sharing your information with, and obtaining information about you from, our group companies and third parties such as brokers, loss adjusters, credit reference agencies, service providers, professional advisors, our regulators or fraud prevention agencies. We may record telephone calls to help us monitor and improve the service we provide. For further information on how your information is used and your rights in relation to your information please see our privacy policy at www.hiscox.co.uk/cookies-privacy. The Direct Debit Guarantee This Guarantee is offered by all banks and building societies that accept instructions to pay Direct Debits. If there are any changes to the amount, date or frequency of your Direct Debit Hiscox Underwriting Ltd will notify you ten working days in advance of your account being debited or as otherwise agreed. If you request Hiscox Underwriting Ltd to collect a payment, confirmation of the amount and date will be given to you at the time of the request. If an error is made in the payment of your Direct Debit by Hiscox Underwriting Ltd or your bank or building society you are entitled to a full and immediate refund of the amount paid from your bank or building society. – If you receive a refund you are not entitled to, you must pay it back when Hiscox Underwriting Ltd asks you to. You can cancel a Direct Debit at anytime by simply contacting your bank or building society. Written confirmation maybe required. Please also notify us. Page / 1 Hiscox Business Insurance Policy summary JAC-PSC-UK-DC556(5.4) 17431b 07/20 Your Hiscox Business Insurance policy summaries This document contains the summaries for any policy covers you have selected to protect your business. These summaries outline the key information about your policies so you can be confident that you have understood what you have bought and what you are covered for. However, you should carefully read your policy in full and ensure that you understand its terms and conditions in full. If you have any queries, you should contact Hiscox or your insurance advisor. Your side of the bargain Remember, your premium and insurance are based on the details you have provided to us. Please make sure this information accurately reflects your business and that you inform us immediately if anything needs to change. Please also tell us of any changes in circumstances that may affect the services provided by us or the cover provided by your policy. This is particularly important before taking out a policy, but it also applies throughout the life of the policy too. You need to consider: ■if you fail to fairly present the risk to us, including by failing to disclose any information material to the insurance, you could invalidate the policy, claims may not be paid or the amount we pay maybe reduced; ■you should read and check all insurance documents to ensure that you are aware of the cover, limits and other terms that apply; ■if you fail to let us know of any changes to your circumstances during the period of insurance or, if when telling us about such changes you fail to present the risk to us fairly, you could invalidate the policy, claims may not be paid or the amount we pay maybe reduced; ■please be aware of all terms and conditions of your policy because failure to comply with them could invalidate it or result in us not paying a claim or reducing the amount we pay; ■in the event ofa claim, you should take note of the required procedures, such as giving Hiscox prompt notice of the claims, as stated in the policy documentation. In particular, if you fail to notify us when you first become aware ofa shortcoming, fact, or problem, admit you are liable for what has happened or appoint solicitors or other legal representation without our prior written approval, claims or defence costs may not be paid or the amount we pay maybe reduced; ■as with any insurance, you have an obligation to take reasonable steps to mitigate any loss or liability; ■if you make a fraudulent claim or try to deceive us, we may terminate the policy. Policy length The period of insurance is shown on your policy schedule. Your policy schedule will also show if the policy is ona continuing cover basis. If itis ona continuing cover basis, we will renew your policy each year for another 12 months and continue to take payment (including any premium adjustment shown in your renewal invitation) using your existing arrangement, unless you tell us otherwise or if your risk changes. If your policy schedule does not show that the policy is ona continuing cover basis, cover will cease at the end of the period of insurance, unless you renew your policy with us. We will provide you witha statement of fact each year and provided that the information contained within the statement of fact is true, complete and accurate, you do not need to provide us with any further information. If any of the information in your statement of fact is not true, complete and accurate, you must let us know. If you do not let us know, it may affect the validity of the policy or our ability to pay a claim. Retroactive dates, geographical and jurisdiction limits Where any section of your policy schedule includes a retroactive date, we will not make any payment for any claim or loss under that section which arises from any activity performed or any act, incident or occurrence taking place, before the retroactive date. Where any section of your policy schedule shows the geographical limits which apply to that section of the policy, we will only pay for claims and losses under that section which arise from activities performed or acts, incidents or occurrences taking place within those geographical limits. Where any section provides cover in respect of your liability to third parties, we will only cover claims first made ina country within the applicable courts stated in that section of your policy schedule. Hiscox Business Insurance Policy summary JAC-PSC-UK-DC556(5.4) 17431b 07/20 Cancellation rights You can cancel this policy by giving us 30 days' notice. You will only be charged for the premiums due up to the date of cancellation. If we need to cancel the policy, we’ll give you 30 days’ notice in writing and refund any surplus premiums you might have paid. Please note – we may deduct an administration fee from any refunded payment.There is an exception to our 30-day notice period, which is triggered when we don’t receive your Direct Debit payments within the agreed 14-day period. At this point, we will contact you as soon as possible and stop the 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:5VTUY2IEFT Name of policy holder:Smith Ltd Period of insurance: From 20/03/24 to Saturday 15 June, 2019 both days inclusive. This policy isa Continuing cover policy Insurer: Hiscox Insurance Company Limited Retroactive date: 01/05/19 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: 20/03/24 Insurance details Policy number: 5VTUY2IEFT Period of insurance: From 20/03/24 to Saturday 15 June, 2019 both days inclusive. This policy isa Continuing cover policy. Insured: Smith Ltd Address: 10 Waters freeway Hardingburgh FARNHAM EC8 9PB Additional insureds: None Business: Management Consultants Premium details Charged premium – the total amount you’ll pay for this policy. Charged premium: £4,248.13 Insurance Premium Tax (IPT): £1,002.87 Total charged premium: £5,493.28 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: £4,248.13 Insurance Premium Tax (IPT): £1,002.87 Annual total: £5,493.28 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 £4,256.40 Legal protection £100,000 £0 £7,520.72 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: 20/03/24 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 01/05/19 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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5VTUY2IEFT
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(?<=Policy number - )[-\w_\/\.]+?(?= Company name)
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20/03/24
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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 - A5GT.Y1BW0J8PW Company name: Cole, Moore and Cole It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : A5GT.Y1BW0J8PW. Company name: Cole, Moore and Cole. Your Hiscox Insurance premium. Last year’s annual premium: This year’s annual premium. £ 1,054.72. £ 1,054.72. The premium includes all applicable insurance premium tax (IPT). Dear Miss Robin Edwards. Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 02 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. £2,138.65. £2,138.65. Legal protection. £2,796.31. £2,796.31. Crisis containment. £0.00. Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy . Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government increase in Insurance Premium Tax as shown. Is our information correct? Your premium and cover are based on what you’ve told us about Cole, Moore and Cole , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay. . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover. Policy summary for each cover. ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover . As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, 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 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 : A5GT.Y1BW0J8PW Company name: Cole, Moore and Cole . It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : A5GT.Y1BW0J8PW Company name: Cole, Moore and Cole . Your Hiscox Insurance premium Last year’s annual premium: This year’s annual premium The premium includes all applicable insurance premium tax (IPT). £ 1,054.72 £ 1,054.72 . Your Hiscox Insurance premium . Last year’s annual premium: This year’s annual premium £ 1,054.72 £ 1,054.72 . The premium includes all applicable insurance premium tax (IPT). Dear Miss Robin Edwards . Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 02 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 £2,138.65 £2,138.65 Legal protection £2,796.31 £2,796.31 Crisis containment £0.00 Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government increase in Insurance Premium Tax as shown. Is our information correct? Your premium and cover are based on what you’ve told us about Cole, Moore and Cole , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover Policy summary for each cover ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, 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 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 02 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 £2,138.65 £2,138.65 Legal protection £2,796.31 £2,796.31 Crisis containment £0.00 Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government increase in Insurance Premium Tax as shown. Is our information correct? Your premium and cover are based on what you’ve told us about Cole, Moore and Cole , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover Policy summary for each cover ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, 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 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) £2,138.65 £2,796.31 £0.00 . This year’s annual Premium (exc IPT) £2,138.65 £2,796.31 . Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) . Professional indemnity £2,138.65 £2,138.65 . Legal protection £2,796.31 £2,796.31 . Crisis containment £0.00 . Kind regards Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre . Kind regards . Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave . To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre . Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Page / 1 Hiscox Business Insurance Policy wording 17431a - DC565 WORDING 04/17Guide to sectionsIntroduction Policy wordings General terms and conditions Professional indemnity for business management consultants Legal protection Crisis containment Hiscox Business Insurance Policy wording 17431a - DC565 WORDING 04/17IntroductionThank you for choosing Hiscox to protect your business. We hope that the language and layout of this policy wording are clear because we want you to understand the insurance we provide as well as the responsibilities we have to each other. Please read this document, including the policy schedule, policy summary and statement of fact, and let us know as soon as possible if any of the details are shown incorrectly. We always try to deliver to the highest standards of service. Your views are important to us, so if you feel that our service is below the standard you would expect from Hiscox, please contact us on the phone number shown in your policy schedule. Please note that some of the words we use in this insurance are shown in bold type. These words are defined in each section of the wording. Page / 1 Hiscox Insurance Payment schedule Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Thank you for continuing to pay for your policy by Direct Debit. Please check these details and let us know if anything is incorrect or if the schedule is not suitable. Your reference details Account holder name: Robin Edwards Frequency of collection: Annual Sort code: %BANK_SORT_CODE_1% Account number: %BANK_ACCOUNT_NUMBER_1% Your Direct Debit schedule We will take payments on the dates outlined below: Date Amount 09/09/2023 £1,054.72 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: A5GT.Y1BW0J8PW If you have any questions about your policy or payments, please call us on 0800 280 0351. We’re here between 8:30am - 5:30pm Monday to Friday or you can email us at service@hiscox.co.uk. Using your personal information Hiscox isa trading name ofa number of Hiscox companies. The specific company acting asa data controller of your personal information will be listed in the documentation we provide to you. If you are unsure you can also contact us at anytime by telephoning 01904 681198 or by emailing us at dataprotectionofficer@hiscox.com. We collect and process information about you in order to provide insurance policies and to process claims. Your information is also used for business purposes such as fraud prevention and detection and financial management. This may involve sharing your information with, and obtaining information about you from, our group companies and third parties such as brokers, loss adjusters, credit reference agencies, service providers, professional advisors, our regulators or fraud prevention agencies. We may record telephone calls to help us monitor and improve the service we provide. For further information on how your information is used and your rights in relation to your information please see our privacy policy at www.hiscox.co.uk/cookies-privacy. The Direct Debit Guarantee This Guarantee is offered by all banks and building societies that accept instructions to pay Direct Debits. If there are any changes to the amount, date or frequency of your Direct Debit Hiscox Underwriting Ltd will notify you ten working days in advance of your account being debited or as otherwise agreed. If you request Hiscox Underwriting Ltd to collect a payment, confirmation of the amount and date will be given to you at the time of the request. If an error is made in the payment of your Direct Debit by Hiscox Underwriting Ltd or your bank or building society you are entitled to a full and immediate refund of the amount paid from your bank or building society. – If you receive a refund you are not entitled to, you must pay it back when Hiscox Underwriting Ltd asks you to. You can cancel a Direct Debit at anytime by simply contacting your bank or building society. Written confirmation maybe required. Please also notify us. Page / 1 Hiscox Business Insurance Policy summary JAC-PSC-UK-DC556(5.4) 17431b 07/20 Your Hiscox Business Insurance policy summaries This document contains the summaries for any policy covers you have selected to protect your business. These summaries outline the key information about your policies so you can be confident that you have understood what you have bought and what you are covered for. However, you should carefully read your policy in full and ensure that you understand its terms and conditions in full. If you have any queries, you should contact Hiscox or your insurance advisor. Your side of the bargain Remember, your premium and insurance are based on the details you have provided to us. Please make sure this information accurately reflects your business and that you inform us immediately if anything needs to change. Please also tell us of any changes in circumstances that may affect the services provided by us or the cover provided by your policy. This is particularly important before taking out a policy, but it also applies throughout the life of the policy too. You need to consider: ■if you fail to fairly present the risk to us, including by failing to disclose any information material to the insurance, you could invalidate the policy, claims may not be paid or the amount we pay maybe reduced; ■you should read and check all insurance documents to ensure that you are aware of the cover, limits and other terms that apply; ■if you fail to let us know of any changes to your circumstances during the period of insurance or, if when telling us about such changes you fail to present the risk to us fairly, you could invalidate the policy, claims may not be paid or the amount we pay maybe reduced; ■please be aware of all terms and conditions of your policy because failure to comply with them could invalidate it or result in us not paying a claim or reducing the amount we pay; ■in the event ofa claim, you should take note of the required procedures, such as giving Hiscox prompt notice of the claims, as stated in the policy documentation. In particular, if you fail to notify us when you first become aware ofa shortcoming, fact, or problem, admit you are liable for what has happened or appoint solicitors or other legal representation without our prior written approval, claims or defence costs may not be paid or the amount we pay maybe reduced; ■as with any insurance, you have an obligation to take reasonable steps to mitigate any loss or liability; ■if you make a fraudulent claim or try to deceive us, we may terminate the policy. Policy length The period of insurance is shown on your policy schedule. Your policy schedule will also show if the policy is ona continuing cover basis. If itis ona continuing cover basis, we will renew your policy each year for another 12 months and continue to take payment (including any premium adjustment shown in your renewal invitation) using your existing arrangement, unless you tell us otherwise or if your risk changes. If your policy schedule does not show that the policy is ona continuing cover basis, cover will cease at the end of the period of insurance, unless you renew your policy with us. We will provide you witha statement of fact each year and provided that the information contained within the statement of fact is true, complete and accurate, you do not need to provide us with any further information. If any of the information in your statement of fact is not true, complete and accurate, you must let us know. If you do not let us know, it may affect the validity of the policy or our ability to pay a claim. Retroactive dates, geographical and jurisdiction limits Where any section of your policy schedule includes a retroactive date, we will not make any payment for any claim or loss under that section which arises from any activity performed or any act, incident or occurrence taking place, before the retroactive date. Where any section of your policy schedule shows the geographical limits which apply to that section of the policy, we will only pay for claims and losses under that section which arise from activities performed or acts, incidents or occurrences taking place within those geographical limits. Where any section provides cover in respect of your liability to third parties, we will only cover claims first made ina country within the applicable courts stated in that section of your policy schedule. Hiscox Business Insurance Policy summary JAC-PSC-UK-DC556(5.4) 17431b 07/20 Cancellation rights You can cancel this policy by giving us 30 days' notice. You will only be charged for the premiums due up to the date of cancellation. If we need to cancel the policy, we’ll give you 30 days’ notice in writing and refund any surplus premiums you might have paid. Please note – we may deduct an administration fee from any refunded payment.There is an exception to our 30-day notice period, which is triggered when we don’t receive your Direct Debit payments within the agreed 14-day period. At this point, we will contact you as soon as possible and stop the policyPage / 2 immediately. Underwritten by:Hiscox Underwriting Ltd on behalf of the insurers named in the schedule. Page / 1 Certificate of professional indemnity insurance Cole, Moore and Cole Hiscox Underwriting Ltd of 1 Great St. Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Certificate of professional indemnity Insurance Policy number:A5GT.Y1BW0J8PW Name of policy holder:Cole, Moore and Cole Period of insurance: From 02 July, 2021 to Thu 05 June, 2025 both days inclusive. This policy isa Continuing cover policy Insurer: Hiscox Insurance Company Limited Retroactive date: Sun 14 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: 02 July, 2021 Insurance details Policy number: A5GT.Y1BW0J8PW Period of insurance: From 02 July, 2021 to Thu 05 June, 2025 both days inclusive. This policy isa Continuing cover policy. Insured: Cole, Moore and Cole Address: Flat 6 Donna extension Lake Oliviafurt FARNHAM BD5V 9FB Additional insureds: None Business: Management Consultants Premium details Charged premium – the total amount you’ll pay for this policy. Charged premium: £5,758.84 Insurance Premium Tax (IPT): £7,743.60 Total charged premium: £1,054.72 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: £5,758.84 Insurance Premium Tax (IPT): £7,743.60 Annual total: £1,054.72 Please note that there will be no refund or additional premium for any transaction which is less than £20 (excluding IPT). Hiscox Business Insurance Policy Schedule 14502 10/18 Summary Claims information If you need to make a claim: - For claims relating to your building or contents please contact our claims team on 0800 247 1902, 9.00am – 5:30pm Monday to Friday. If you wish to make a claim online, you can log most claims quickly and easily through our claims notification portal at https://claims.hiscox.co.uk/. Outside of normal business hours, if you require emergency assistance in relation to substantial damage to your property, you can speak to our 24-hour emergency assistance team using the telephone number above. Your policy schedule will state if property cover is included in your policy. Our out-of-hours emergency assistance team operate ona pay-and-claim basis and you will need to have credit card details available as appropriate. The team will then be able to direct you to essential tradesmen, emergency loss adjusters or disaster management companies in the event of substantial damage. - If there isa claim (or potential claim) against you bya third party, please email us at liability.claims@hiscox.com. If you need to speak to a member of the claims team urgently, please call our team on 0800 711 7156, 9.00am – 5:30pm Monday to Friday. If you wish to make a claim online, you can log most claims quickly and easily through our claims notification portal at https://claims.hiscox.co.uk/. You will need to provide your full name and contact details, the name of your business or organisation, your address and postcode, the policy reference and circumstances of the claim. The Important information and contact details section below contains additional information specific to the covers applicable to your policy. If you are unsure of who to contact please call our team on 0800 711 7156, 9.00am – 5:30pm Monday to Friday. They will ensure you get through to the correct claims team and let you know what actions you need to take. If anything happens that might be covered under the policy, you must comply with the obligations set out in General claims conditions, together with the obligations set out under Your obligations in the section or sections under which you are making the claim. Itis important that you read the policy for details of its terms in full. Your covers This isa summary of each section of your policy. See each section for cover details. Cover Insurance amount Excess Annual Premium (exc IPT) Professional indemnity £1,000,000 £1,000 £2,138.65 Legal protection £100,000 £0 £2,796.31 Crisis containment £25,000 - £0.00 The figures above are in summary only and are not in addition to the amount insured specified against each cover section below. Hiscox Business Insurance Policy Schedule 14502 10/18 SECTION: PROFESSIONAL INDEMNITY – MANAGEMENT CONSULTANTS Cover start date: 02 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 Sun 14 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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A5GT.Y1BW0J8PW
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(?<=Policy number - )[-\w_\/\.]+?(?= Company name)
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02 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 - zuxjw/qqhd_xvypj Company name: Walters, Simpson and Bailey It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : zuxjw/qqhd_xvypj. Company name: Walters, Simpson and Bailey. Your Hiscox Insurance premium. Last year’s annual premium: This year’s annual premium. £ 2,537.44. £ 2,537.44. The premium includes all applicable insurance premium tax (IPT). Dear Mr Dr Scott Lee. Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 08/12/23 . 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. £2,795.80. £2,795.80. Legal protection. £5,301.79. £5,301.79. Crisis containment. £0.00. Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy . Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government increase in Insurance Premium Tax as shown. Is our information correct? Your premium and cover are based on what you’ve told us about Walters, Simpson and Bailey , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay. . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover. Policy summary for each cover. ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover . As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before 08/12/23 . 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 : zuxjw/qqhd_xvypj Company name: Walters, Simpson and Bailey . It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : zuxjw/qqhd_xvypj Company name: Walters, Simpson and Bailey . Your Hiscox Insurance premium Last year’s annual premium: This year’s annual premium The premium includes all applicable insurance premium tax (IPT). £ 2,537.44 £ 2,537.44 . Your Hiscox Insurance premium . Last year’s annual premium: This year’s annual premium £ 2,537.44 £ 2,537.44 . The premium includes all applicable insurance premium tax (IPT). Dear Mr Dr Scott Lee . Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 08/12/23 . 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 £2,795.80 £2,795.80 Legal protection £5,301.79 £5,301.79 Crisis containment £0.00 Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government increase in Insurance Premium Tax as shown. Is our information correct? Your premium and cover are based on what you’ve told us about Walters, Simpson and Bailey , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover Policy summary for each cover ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before 08/12/23 . 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 08/12/23 . 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 £2,795.80 £2,795.80 Legal protection £5,301.79 £5,301.79 Crisis containment £0.00 Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government increase in Insurance Premium Tax as shown. Is our information correct? Your premium and cover are based on what you’ve told us about Walters, Simpson and Bailey , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover Policy summary for each cover ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before 08/12/23 . 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) £2,795.80 £5,301.79 £0.00 . This year’s annual Premium (exc IPT) £2,795.80 £5,301.79 . Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) . Professional indemnity £2,795.80 £2,795.80 . Legal protection £5,301.79 £5,301.79 . Crisis containment £0.00 . Kind regards Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre . Kind regards . Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave . To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre . Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Page / 1 Hiscox Business Insurance Policy wording 17431a - DC565 WORDING 04/17Guide to sectionsIntroduction Policy wordings General terms and conditions Professional indemnity for business management consultants Legal protection Crisis containment Hiscox Business Insurance Policy wording 17431a - DC565 WORDING 04/17IntroductionThank you for choosing Hiscox to protect your business. We hope that the language and layout of this policy wording are clear because we want you to understand the insurance we provide as well as the responsibilities we have to each other. Please read this document, including the policy schedule, policy summary and statement of fact, and let us know as soon as possible if any of the details are shown incorrectly. We always try to deliver to the highest standards of service. Your views are important to us, so if you feel that our service is below the standard you would expect from Hiscox, please contact us on the phone number shown in your policy schedule. Please note that some of the words we use in this insurance are shown in bold type. These words are defined in each section of the wording. Page / 1 Hiscox Insurance Payment schedule Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Thank you for continuing to pay for your policy by Direct Debit. Please check these details and let us know if anything is incorrect or if the schedule is not suitable. Your reference details Account holder name: Dr Scott Lee Frequency of collection: Annual Sort code: %BANK_SORT_CODE_1% Account number: %BANK_ACCOUNT_NUMBER_1% Your Direct Debit schedule We will take payments on the dates outlined below: Date Amount 22/10/2022 £2,537.44 Where your chosen collection date falls ona non-working day then we will endeavour to collect the next working day. For your information, the collections will be made using the following reference number: Originator Identification Number: 293461 Reference Number: zuxjw/qqhd_xvypj If you have any questions about your policy or payments, please call us on 0800 280 0351. We’re here between 8:30am - 5:30pm Monday to Friday or you can email us at service@hiscox.co.uk. Using your personal information Hiscox isa trading name ofa number of Hiscox companies. The specific company acting asa data controller of your personal information will be listed in the documentation we provide to you. If you are unsure you can also contact us at anytime by telephoning 01904 681198 or by emailing us at dataprotectionofficer@hiscox.com. We collect and process information about you in order to provide insurance policies and to process claims. Your information is also used for business purposes such as fraud prevention and detection and financial management. This may involve sharing your information with, and obtaining information about you from, our group companies and third parties such as brokers, loss adjusters, credit reference agencies, service providers, professional advisors, our regulators or fraud prevention agencies. We may record telephone calls to help us monitor and improve the service we provide. For further information on how your information is used and your rights in relation to your information please see our privacy policy at www.hiscox.co.uk/cookies-privacy. The Direct Debit Guarantee This Guarantee is offered by all banks and building societies that accept instructions to pay Direct Debits. If there are any changes to the amount, date or frequency of your Direct Debit Hiscox Underwriting Ltd will notify you ten working days in advance of your account being debited or as otherwise agreed. If you request Hiscox Underwriting Ltd to collect a payment, confirmation of the amount and date will be given to you at the time of the request. If an error is made in the payment of your Direct Debit by Hiscox Underwriting Ltd or your bank or building society you are entitled to a full and immediate refund of the amount paid from your bank or building society. – If you receive a refund you are not entitled to, you must pay it back when Hiscox Underwriting Ltd asks you to. You can cancel a Direct Debit at anytime by simply contacting your bank or building society. Written confirmation maybe required. Please also notify us. Page / 1 Hiscox Business Insurance Policy summary JAC-PSC-UK-DC556(5.4) 17431b 07/20 Your Hiscox Business Insurance policy summaries This document contains the summaries for any policy covers you have selected to protect your business. These summaries outline the key information about your policies so you can be confident that you have understood what you have bought and what you are covered for. However, you should carefully read your policy in full and ensure that you understand its terms and conditions in full. If you have any queries, you should contact Hiscox or your insurance advisor. Your side of the bargain Remember, your premium and insurance are based on the details you have provided to us. Please make sure this information accurately reflects your business and that you inform us immediately if anything needs to change. Please also tell us of any changes in circumstances that may affect the services provided by us or the cover provided by your policy. This is particularly important before taking out a policy, but it also applies throughout the life of the policy too. You need to consider: ■if you fail to fairly present the risk to us, including by failing to disclose any information material to the insurance, you could invalidate the policy, claims may not be paid or the amount we pay maybe reduced; ■you should read and check all insurance documents to ensure that you are aware of the cover, limits and other terms that apply; ■if you fail to let us know of any changes to your circumstances during the period of insurance or, if when telling us about such changes you fail to present the risk to us fairly, you could invalidate the policy, claims may not be paid or the amount we pay maybe reduced; ■please be aware of all terms and conditions of your policy because failure to comply with them could invalidate it or result in us not paying a claim or reducing the amount we pay; ■in the event ofa claim, you should take note of the required procedures, such as giving Hiscox prompt notice of the claims, as stated in the policy documentation. In particular, if you fail to notify us when you first become aware ofa shortcoming, fact, or problem, admit you are liable for what has happened or appoint solicitors or other legal representation without our prior written approval, claims or defence costs may not be paid or the amount we pay maybe reduced; ■as with any insurance, you have an obligation to take reasonable steps to mitigate any loss or liability; ■if you make a fraudulent claim or try to deceive us, we may terminate the policy. Policy length The period of insurance is shown on your policy schedule. Your policy schedule will also show if the policy is ona continuing cover basis. If itis ona continuing cover basis, we will renew your policy each year for another 12 months and continue to take payment (including any premium adjustment shown in your renewal invitation) using your existing arrangement, unless you tell us otherwise or if your risk changes. If your policy schedule does not show that the policy is ona continuing cover basis, cover will cease at the end of the period of insurance, unless you renew your policy with us. We will provide you witha statement of fact each year and provided that the information contained within the statement of fact is true, complete and accurate, you do not need to provide us with any further information. If any of the information in your statement of fact is not true, complete and accurate, you must let us know. If you do not let us know, it may affect the validity of the policy or our ability to pay a claim. Retroactive dates, geographical and jurisdiction limits Where any section of your policy schedule includes a retroactive date, we will not make any payment for any claim or loss under that section which arises from any activity performed or any act, incident or occurrence taking place, before the retroactive date. Where any section of your policy schedule shows the geographical limits which apply to that section of the policy, we will only pay for claims and losses under that section which arise from activities performed or acts, incidents or occurrences taking place within those geographical limits. Where any section provides cover in respect of your liability to third parties, we will only cover claims first made ina country within the applicable courts stated in that section of your policy schedule. Hiscox Business Insurance Policy summary JAC-PSC-UK-DC556(5.4) 17431b 07/20 Cancellation rights You can cancel this policy by giving us 30 days' notice. You will only be charged for the premiums due up to the date of cancellation. If we need to cancel the policy, we’ll give you 30 days’ notice in writing and refund any surplus premiums you might have paid. Please note – we may deduct an administration fee from any refunded payment.There is an exception to our 30-day notice period, which is triggered when we don’t receive your Direct Debit payments within the agreed 14-day period. At this point, we will contact you as soon as possible and stop the policyPage / 2 immediately. Underwritten by:Hiscox Underwriting Ltd on behalf of the insurers named in the schedule. Page / 1 Certificate of professional indemnity insurance Walters, Simpson and Bailey Hiscox Underwriting Ltd of 1 Great St. Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Certificate of professional indemnity Insurance Policy number:zuxjw/qqhd_xvypj Name of policy holder:Walters, Simpson and Bailey Period of insurance: From 08/12/23 to 20/03/25 both days inclusive. This policy isa Continuing cover policy Insurer: Hiscox Insurance Company Limited Retroactive date: Tuesday 03 May, 2022 Level of cover:£1,000,000 Signed on behalf of Hiscox Underwriting Limited as agent for the insurers Jon Dye CEO, Hiscox UK Notes: (a) This insurance is subject to policy terms and conditions and any special terms notified to the InsuredPage / 1 Hiscox Business Insurance Policy Schedule 14502 10/18 This schedule tells you what is insured with us. It should be read carefully with your policy wording(s) and statement of fact detailed elsewhere in this document. Schedule effective date: 08/12/23 Insurance details Policy number: zuxjw/qqhd_xvypj Period of insurance: From 08/12/23 to 20/03/25 both days inclusive. This policy isa Continuing cover policy. Insured: Walters, Simpson and Bailey Address: Flat 60Q Howard hollow New Amyborough FARNHAM HS83 8PW Additional insureds: None Business: Management Consultants Premium details Charged premium – the total amount you’ll pay for this policy. Charged premium: £4,666.97 Insurance Premium Tax (IPT): £2,083.74 Total charged premium: £2,537.44 Annualised premium – the annual premium for this policy. This is given for comparison purposes. Please refer to the charged premium section for the amount you’ll pay for the policy. Annual premium: £4,666.97 Insurance Premium Tax (IPT): £2,083.74 Annual total: £2,537.44 Please note that there will be no refund or additional premium for any transaction which is less than £20 (excluding IPT). Hiscox Business Insurance Policy Schedule 14502 10/18 Summary Claims information If you need to make a claim: - For claims relating to your building or contents please contact our claims team on 0800 247 1902, 9.00am – 5:30pm Monday to Friday. If you wish to make a claim online, you can log most claims quickly and easily through our claims notification portal at https://claims.hiscox.co.uk/. Outside of normal business hours, if you require emergency assistance in relation to substantial damage to your property, you can speak to our 24-hour emergency assistance team using the telephone number above. Your policy schedule will state if property cover is included in your policy. Our out-of-hours emergency assistance team operate ona pay-and-claim basis and you will need to have credit card details available as appropriate. The team will then be able to direct you to essential tradesmen, emergency loss adjusters or disaster management companies in the event of substantial damage. - If there isa claim (or potential claim) against you bya third party, please email us at liability.claims@hiscox.com. If you need to speak to a member of the claims team urgently, please call our team on 0800 711 7156, 9.00am – 5:30pm Monday to Friday. If you wish to make a claim online, you can log most claims quickly and easily through our claims notification portal at https://claims.hiscox.co.uk/. You will need to provide your full name and contact details, the name of your business or organisation, your address and postcode, the policy reference and circumstances of the claim. The Important information and contact details section below contains additional information specific to the covers applicable to your policy. If you are unsure of who to contact please call our team on 0800 711 7156, 9.00am – 5:30pm Monday to Friday. They will ensure you get through to the correct claims team and let you know what actions you need to take. If anything happens that might be covered under the policy, you must comply with the obligations set out in General claims conditions, together with the obligations set out under Your obligations in the section or sections under which you are making the claim. Itis important that you read the policy for details of its terms in full. Your covers This isa summary of each section of your policy. See each section for cover details. Cover Insurance amount Excess Annual Premium (exc IPT) Professional indemnity £1,000,000 £1,000 £2,795.80 Legal protection £100,000 £0 £5,301.79 Crisis containment £25,000 - £0.00 The figures above are in summary only and are not in addition to the amount insured specified against each cover section below. Hiscox Business Insurance Policy Schedule 14502 10/18 SECTION: PROFESSIONAL INDEMNITY – MANAGEMENT CONSULTANTS Cover start date: 08/12/23 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 Tuesday 03 May, 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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zuxjw/qqhd_xvypj
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(?<=Policy number - )[-\w_\/\.]+?(?= Company name)
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08/12/23
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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 - SV.KH.O9UU Company name: Patel, Gardner and Stewart It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : SV.KH.O9UU. Company name: Patel, Gardner and Stewart. Your Hiscox Insurance premium. Last year’s annual premium: This year’s annual premium. £ 9,513.70. £ 9,513.70. The premium includes all applicable insurance premium tax (IPT). Dear Mr Trevor Shaw. Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 11/08/19 . Good news; if you want cover to continue with us and to make sure you stay protected by our award-winning cover, you do not need to do anything. We will update your policy onto our latest wording and continue to collect payment using the payment details we have for you. You must read the important information contained in this email and the attached documents. Your Hiscox Insurance Premium breakdown. The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). The amount shown as last year’s Annual premium will take into account any changes to the cover which may have been made during the last policy period. Cover. Last year’s annual premium (exc IPT). This year’s annual Premium (exc IPT). Professional indemnity. £8,380.54. £8,380.54. Legal protection. £1,445.55. £1,445.55. 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 Patel, Gardner and Stewart , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay. . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover. Policy summary for each cover. ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover . As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before 11/08/19 . We’re here between 8:30am - 5:30pm Monday to Friday . Please note that we can only discuss policy changes with people named on the policy. Why renew with Hiscox. - Reassuring: we offer a range of cover options that can be tailored to your needs. - Flexible: we offer full flexibility to change your policy, with no administration fees . - Award-winning cover : we’ve been named Best Small Business Insurer 7 years running by Start Your Business Magazine . Please click this link for the Hiscox Referral Portal: https://refer.aklamio.com/hiscox/uk?source=postpurchase. Thank you again for choosing Hiscox to insure your business. We hope you and your business have a very successful year. Kind regards. Jon Dye. CEO, Hiscox UK. Business Insurance for the small and the brave. To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre. Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. This email and any files transmitted with it are confidential and intended solely for the use of the individual or entity to whom they are addressed. No one else is authorised to distribute, forward, print, copy or act upon any information contained in this email. If you have received this email in error, please notify the sender. Hiscox Syndicates Limited and Hiscox Insurance Company Limited are authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Hiscox Underwriting Limited, Hiscox Underwriting Services Ltd, Hiscox MGA Ltd and Hiscox ASM Ltd are authorised and regulated by the Financial Conduct Authority. Hiscox Assure SAS is duly registered as an insurance broker with the ORIAS, which is the French Official Registry of Insurance Intermediaries. Hiscox plc is a company registered in England and Wales under company registration number 2837811 and registered office at 1 Great St Helen's, London EC3A 6HX. Hiscox SA is a company registered in Luxembourg at 35 Avenue John F. Kennedy 35F, Luxembourg L-1855, and is authorised by the Commissariat aux Assurances de Luxembourg. It’s time to renew your Hiscox Business Insurance Hiscox Insurance policy number : SV.KH.O9UU Company name: Patel, Gardner and Stewart . It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : SV.KH.O9UU Company name: Patel, Gardner and Stewart . Your Hiscox Insurance premium Last year’s annual premium: This year’s annual premium The premium includes all applicable insurance premium tax (IPT). £ 9,513.70 £ 9,513.70 . Your Hiscox Insurance premium . Last year’s annual premium: This year’s annual premium £ 9,513.70 £ 9,513.70 . The premium includes all applicable insurance premium tax (IPT). Dear Mr Trevor Shaw . Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 11/08/19 . Good news; if you want cover to continue with us and to make sure you stay protected by our award-winning cover, you do not need to do anything. We will update your policy onto our latest wording and continue to collect payment using the payment details we have for you. You must read the important information contained in this email and the attached documents Your Hiscox Insurance Premium breakdown The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). The amount shown as last year’s Annual premium will take into account any changes to the cover which may have been made during the last policy period. Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) Professional indemnity £8,380.54 £8,380.54 Legal protection £1,445.55 £1,445.55 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 Patel, Gardner and Stewart , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover Policy summary for each cover ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before 11/08/19 . We’re here between 8:30am - 5:30pm Monday to Friday . Please note that we can only discuss policy changes with people named on the policy. Why renew with Hiscox - Reassuring: we offer a range of cover options that can be tailored to your needs - Flexible: we offer full flexibility to change your policy, with no administration fees - Award-winning cover : we’ve been named Best Small Business Insurer 7 years running by Start Your Business Magazine Please click this link for the Hiscox Referral Portal: https://refer.aklamio.com/hiscox/uk?source=postpurchase Thank you again for choosing Hiscox to insure your business. We hope you and your business have a very successful year. Kind regards Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 11/08/19 . Good news; if you want cover to continue with us and to make sure you stay protected by our award-winning cover, you do not need to do anything. We will update your policy onto our latest wording and continue to collect payment using the payment details we have for you. You must read the important information contained in this email and the attached documents Your Hiscox Insurance Premium breakdown The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). The amount shown as last year’s Annual premium will take into account any changes to the cover which may have been made during the last policy period. Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) Professional indemnity £8,380.54 £8,380.54 Legal protection £1,445.55 £1,445.55 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 Patel, Gardner and Stewart , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover Policy summary for each cover ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before 11/08/19 . We’re here between 8:30am - 5:30pm Monday to Friday . Please note that we can only discuss policy changes with people named on the policy. Why renew with Hiscox - Reassuring: we offer a range of cover options that can be tailored to your needs - Flexible: we offer full flexibility to change your policy, with no administration fees - Award-winning cover : we’ve been named Best Small Business Insurer 7 years running by Start Your Business Magazine Please click this link for the Hiscox Referral Portal: https://refer.aklamio.com/hiscox/uk?source=postpurchase Thank you again for choosing Hiscox to insure your business. We hope you and your business have a very successful year. Kind regards Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Your Hiscox Insurance Premium breakdown The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). Cover Professional indemnity Legal protection Crisis containment . Last year’s annual premium (exc IPT) £8,380.54 £1,445.55 £0.00 . This year’s annual Premium (exc IPT) £8,380.54 £1,445.55 . Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) . Professional indemnity £8,380.54 £8,380.54 . Legal protection £1,445.55 £1,445.55 . 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 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 21/06/22 £9,513.70 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: SV.KH.O9UU If you have any questions about your policy or payments, please call us on 0800 280 0351. We’re here between 8:30am - 5:30pm Monday to Friday or you can email us at service@hiscox.co.uk. Using your personal information Hiscox isa trading name ofa number of Hiscox companies. The specific company acting asa data controller of your personal information will be listed in the documentation we provide to you. If you are unsure you can also contact us at anytime by telephoning 01904 681198 or by emailing us at dataprotectionofficer@hiscox.com. We collect and process information about you in order to provide insurance policies and to process claims. Your information is also used for business purposes such as fraud prevention and detection and financial management. This may involve sharing your information with, and obtaining information about you from, our group companies and third parties such as brokers, loss adjusters, credit reference agencies, service providers, professional advisors, our regulators or fraud prevention agencies. We may record telephone calls to help us monitor and improve the service we provide. For further information on how your information is used and your rights in relation to your information please see our privacy policy at www.hiscox.co.uk/cookies-privacy. The Direct Debit Guarantee This Guarantee is offered by all banks and building societies that accept instructions to pay Direct Debits. If there are any changes to the amount, date or frequency of your Direct Debit Hiscox Underwriting Ltd will notify you ten working days in advance of your account being debited or as otherwise agreed. If you request Hiscox Underwriting Ltd to collect a payment, confirmation of the amount and date will be given to you at the time of the request. If an error is made in the payment of your Direct Debit by Hiscox Underwriting Ltd or your bank or building society you are entitled to a full and immediate refund of the amount paid from your bank or building society. – If you receive a refund you are not entitled to, you must pay it back when Hiscox Underwriting Ltd asks you to. You can cancel a Direct Debit at anytime by simply contacting your bank or building society. Written confirmation maybe required. Please also notify us. Page / 1 Hiscox Business Insurance Policy summary JAC-PSC-UK-DC556(5.4) 17431b 07/20 Your Hiscox Business Insurance policy summaries This document contains the summaries for any policy covers you have selected to protect your business. These summaries outline the key information about your policies so you can be confident that you have understood what you have bought and what you are covered for. However, you should carefully read your policy in full and ensure that you understand its terms and conditions in full. If you have any queries, you should contact Hiscox or your insurance advisor. Your side of the bargain Remember, your premium and insurance are based on the details you have provided to us. Please make sure this information accurately reflects your business and that you inform us immediately if anything needs to change. Please also tell us of any changes in circumstances that may affect the services provided by us or the cover provided by your policy. This is particularly important before taking out a policy, but it also applies throughout the life of the policy too. You need to consider: ■if you fail to fairly present the risk to us, including by failing to disclose any information material to the insurance, you could invalidate the policy, claims may not be paid or the amount we pay maybe reduced; ■you should read and check all insurance documents to ensure that you are aware of the cover, limits and other terms that apply; ■if you fail to let us know of any changes to your circumstances during the period of insurance or, if when telling us about such changes you fail to present the risk to us fairly, you could invalidate the policy, claims may not be paid or the amount we pay maybe reduced; ■please be aware of all terms and conditions of your policy because failure to comply with them could invalidate it or result in us not paying a claim or reducing the amount we pay; ■in the event ofa claim, you should take note of the required procedures, such as giving Hiscox prompt notice of the claims, as stated in the policy documentation. In particular, if you fail to notify us when you first become aware ofa shortcoming, fact, or problem, admit you are liable for what has happened or appoint solicitors or other legal representation without our prior written approval, claims or defence costs may not be paid or the amount we pay maybe reduced; ■as with any insurance, you have an obligation to take reasonable steps to mitigate any loss or liability; ■if you make a fraudulent claim or try to deceive us, we may terminate the policy. Policy length The period of insurance is shown on your policy schedule. Your policy schedule will also show if the policy is ona continuing cover basis. If itis ona continuing cover basis, we will renew your policy each year for another 12 months and continue to take payment (including any premium adjustment shown in your renewal invitation) using your existing arrangement, unless you tell us otherwise or if your risk changes. If your policy schedule does not show that the policy is ona continuing cover basis, cover will cease at the end of the period of insurance, unless you renew your policy with us. We will provide you witha statement of fact each year and provided that the information contained within the statement of fact is true, complete and accurate, you do not need to provide us with any further information. If any of the information in your statement of fact is not true, complete and accurate, you must let us know. If you do not let us know, it may affect the validity of the policy or our ability to pay a claim. Retroactive dates, geographical and jurisdiction limits Where any section of your policy schedule includes a retroactive date, we will not make any payment for any claim or loss under that section which arises from any activity performed or any act, incident or occurrence taking place, before the retroactive date. Where any section of your policy schedule shows the geographical limits which apply to that section of the policy, we will only pay for claims and losses under that section which arise from activities performed or acts, incidents or occurrences taking place within those geographical limits. Where any section provides cover in respect of your liability to third parties, we will only cover claims first made ina country within the applicable courts stated in that section of your policy schedule. Hiscox Business Insurance Policy summary JAC-PSC-UK-DC556(5.4) 17431b 07/20 Cancellation rights You can cancel this policy by giving us 30 days' notice. You will only be charged for the premiums due up to the date of cancellation. If we need to cancel the policy, we’ll give you 30 days’ notice in writing and refund any surplus premiums you might have paid. Please note – we may deduct an administration fee from any refunded payment.There is an exception to our 30-day notice period, which is triggered when we don’t receive your Direct Debit payments within the agreed 14-day period. At this point, we will contact you as soon as possible and stop the policyPage / 2 immediately. Underwritten by:Hiscox Underwriting Ltd on behalf of the insurers named in the schedule. Page / 1 Certificate of professional indemnity insurance Patel, Gardner and Stewart Hiscox Underwriting Ltd of 1 Great St. Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Certificate of professional indemnity Insurance Policy number:SV.KH.O9UU Name of policy holder:Patel, Gardner and Stewart Period of insurance: From 11/08/19 to Mon 11 March, 2019 both days inclusive. This policy isa Continuing cover policy Insurer: Hiscox Insurance Company Limited Retroactive date: 06 May, 2022 Level of cover:£1,000,000 Signed on behalf of Hiscox Underwriting Limited as agent for the insurers Jon Dye CEO, Hiscox UK Notes: (a) This insurance is subject to policy terms and conditions and any special terms notified to the InsuredPage / 1 Hiscox Business Insurance Policy Schedule 14502 10/18 This schedule tells you what is insured with us. It should be read carefully with your policy wording(s) and statement of fact detailed elsewhere in this document. Schedule effective date: 11/08/19 Insurance details Policy number: SV.KH.O9UU Period of insurance: From 11/08/19 to Mon 11 March, 2019 both days inclusive. This policy isa Continuing cover policy. Insured: Patel, Gardner and Stewart Address: Flat 0 Stacey dam Port Gareth FARNHAM CH64 6PH Additional insureds: None Business: Management Consultants Premium details Charged premium – the total amount you’ll pay for this policy. Charged premium: £4,569.59 Insurance Premium Tax (IPT): £3,617.32 Total charged premium: £9,513.70 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: £4,569.59 Insurance Premium Tax (IPT): £3,617.32 Annual total: £9,513.70 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 £8,380.54 Legal protection £100,000 £0 £1,445.55 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: 11/08/19 Limit of indemnity £1,000,000 Limit applies to in the aggregate, including all costs Excess £1,000 Excess applies to each and every claim or loss, including all costs Geographical limits Worldwide Applicable courts Worldwide (excluding United States of America and Canada) Claims brought in USA or Canada Not covered Additional covers (in addition to overall limit of indemnity stated above) Cover Limit of indemnity Limit applies to Court attendance compensation - employees £250 per person, per day Court attendance compensation - directors and partners£500 per person, per day Court attendance compensation: in total £100,000 in the aggregate Special limits (included within not in addition to the overall limit of indemnity stated above) Cover Limit of indemnity Limit applies to Personal data claims £250,000 in the aggregate, including all costs Business activities Business managementPage / 2 consultant Retroactive date 06 May, 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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SV.KH.O9UU
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11/08/19
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Business
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2024-02-05
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hiscox-business-2
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Hiscox Business Insurance - Policy number - 5Q34_P0GP5 Company name: Hughes Inc It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : 5Q34_P0GP5. Company name: Hughes Inc. Your Hiscox Insurance premium. Last year’s annual premium: This year’s annual premium. £ 3,574.97. £ 3,574.97. The premium includes all applicable insurance premium tax (IPT). Dear Mr Miss Gemma Peacock. Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on Wednesday 28 September, 2022 . Good news; if you want cover to continue with us and to make sure you stay protected by our award-winning cover, you do not need to do anything. We will update your policy onto our latest wording and continue to collect payment using the payment details we have for you. You must read the important information contained in this email and the attached documents. Your Hiscox Insurance Premium breakdown. The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). The amount shown as last year’s Annual premium will take into account any changes to the cover which may have been made during the last policy period. Cover. Last year’s annual premium (exc IPT). This year’s annual Premium (exc IPT). Professional indemnity. £8,410.36. £8,410.36. Legal protection. £7,925.96. £7,925.96. 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 Hughes 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 Wednesday 28 September, 2022 . We’re here between 8:30am - 5:30pm Monday to Friday . Please note that we can only discuss policy changes with people named on the policy. Why renew with Hiscox. - Reassuring: we offer a range of cover options that can be tailored to your needs. - Flexible: we offer full flexibility to change your policy, with no administration fees . - Award-winning cover : we’ve been named Best Small Business Insurer 7 years running by Start Your Business Magazine . Please click this link for the Hiscox Referral Portal: https://refer.aklamio.com/hiscox/uk?source=postpurchase. Thank you again for choosing Hiscox to insure your business. We hope you and your business have a very successful year. Kind regards. Jon Dye. CEO, Hiscox UK. Business Insurance for the small and the brave. To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre. Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. This email and any files transmitted with it are confidential and intended solely for the use of the individual or entity to whom they are addressed. No one else is authorised to distribute, forward, print, copy or act upon any information contained in this email. If you have received this email in error, please notify the sender. Hiscox Syndicates Limited and Hiscox Insurance Company Limited are authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Hiscox Underwriting Limited, Hiscox Underwriting Services Ltd, Hiscox MGA Ltd and Hiscox ASM Ltd are authorised and regulated by the Financial Conduct Authority. Hiscox Assure SAS is duly registered as an insurance broker with the ORIAS, which is the French Official Registry of Insurance Intermediaries. Hiscox plc is a company registered in England and Wales under company registration number 2837811 and registered office at 1 Great St Helen's, London EC3A 6HX. Hiscox SA is a company registered in Luxembourg at 35 Avenue John F. Kennedy 35F, Luxembourg L-1855, and is authorised by the Commissariat aux Assurances de Luxembourg. It’s time to renew your Hiscox Business Insurance Hiscox Insurance policy number : 5Q34_P0GP5 Company name: Hughes Inc . It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : 5Q34_P0GP5 Company name: Hughes Inc . Your Hiscox Insurance premium Last year’s annual premium: This year’s annual premium The premium includes all applicable insurance premium tax (IPT). £ 3,574.97 £ 3,574.97 . Your Hiscox Insurance premium . Last year’s annual premium: This year’s annual premium £ 3,574.97 £ 3,574.97 . The premium includes all applicable insurance premium tax (IPT). Dear Mr Miss Gemma Peacock . Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on Wednesday 28 September, 2022 . Good news; if you want cover to continue with us and to make sure you stay protected by our award-winning cover, you do not need to do anything. We will update your policy onto our latest wording and continue to collect payment using the payment details we have for you. You must read the important information contained in this email and the attached documents Your Hiscox Insurance Premium breakdown The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). The amount shown as last year’s Annual premium will take into account any changes to the cover which may have been made during the last policy period. Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) Professional indemnity £8,410.36 £8,410.36 Legal protection £7,925.96 £7,925.96 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 Hughes 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 Wednesday 28 September, 2022 . We’re here between 8:30am - 5:30pm Monday to Friday . Please note that we can only discuss policy changes with people named on the policy. Why renew with Hiscox - Reassuring: we offer a range of cover options that can be tailored to your needs - Flexible: we offer full flexibility to change your policy, with no administration fees - Award-winning cover : we’ve been named Best Small Business Insurer 7 years running by Start Your Business Magazine Please click this link for the Hiscox Referral Portal: https://refer.aklamio.com/hiscox/uk?source=postpurchase Thank you again for choosing Hiscox to insure your business. We hope you and your business have a very successful year. Kind regards Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on Wednesday 28 September, 2022 . Good news; if you want cover to continue with us and to make sure you stay protected by our award-winning cover, you do not need to do anything. We will update your policy onto our latest wording and continue to collect payment using the payment details we have for you. You must read the important information contained in this email and the attached documents Your Hiscox Insurance Premium breakdown The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). The amount shown as last year’s Annual premium will take into account any changes to the cover which may have been made during the last policy period. Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) Professional indemnity £8,410.36 £8,410.36 Legal protection £7,925.96 £7,925.96 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 Hughes 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 Wednesday 28 September, 2022 . We’re here between 8:30am - 5:30pm Monday to Friday . Please note that we can only discuss policy changes with people named on the policy. Why renew with Hiscox - Reassuring: we offer a range of cover options that can be tailored to your needs - Flexible: we offer full flexibility to change your policy, with no administration fees - Award-winning cover : we’ve been named Best Small Business Insurer 7 years running by Start Your Business Magazine Please click this link for the Hiscox Referral Portal: https://refer.aklamio.com/hiscox/uk?source=postpurchase Thank you again for choosing Hiscox to insure your business. We hope you and your business have a very successful year. Kind regards Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Your Hiscox Insurance Premium breakdown The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). Cover Professional indemnity Legal protection Crisis containment . Last year’s annual premium (exc IPT) £8,410.36 £7,925.96 £0.00 . This year’s annual Premium (exc IPT) £8,410.36 £7,925.96 . Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) . Professional indemnity £8,410.36 £8,410.36 . Legal protection £7,925.96 £7,925.96 . 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: Miss Gemma Peacock Frequency of collection: Annual Sort code: %BANK_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 22 March, 2024 £3,574.97 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: 5Q34_P0GP5 If you have any questions about your policy or payments, please call us on 0800 280 0351. We’re here between 8:30am - 5:30pm Monday to Friday or you can email us at service@hiscox.co.uk. Using your personal information Hiscox isa trading name ofa number of Hiscox companies. The specific company acting asa data controller of your personal information will be listed in the documentation we provide to you. If you are unsure you can also contact us at anytime by telephoning 01904 681198 or by emailing us at dataprotectionofficer@hiscox.com. We collect and process information about you in order to provide insurance policies and to process claims. Your information is also used for business purposes such as fraud prevention and detection and financial management. This may involve sharing your information with, and obtaining information about you from, our group companies and third parties such as brokers, loss adjusters, credit reference agencies, service providers, professional advisors, our regulators or fraud prevention agencies. We may record telephone calls to help us monitor and improve the service we provide. For further information on how your information is used and your rights in relation to your information please see our privacy policy at www.hiscox.co.uk/cookies-privacy. The Direct Debit Guarantee This Guarantee is offered by all banks and building societies that accept instructions to pay Direct Debits. If there are any changes to the amount, date or frequency of your Direct Debit Hiscox Underwriting Ltd will notify you ten working days in advance of your account being debited or as otherwise agreed. If you request Hiscox Underwriting Ltd to collect a payment, confirmation of the amount and date will be given to you at the time of the request. If an error is made in the payment of your Direct Debit by Hiscox Underwriting Ltd or your bank or building society you are entitled to a full and immediate refund of the amount paid from your bank or building society. – If you receive a refund you are not entitled to, you must pay it back when Hiscox Underwriting Ltd asks you to. You can cancel a Direct Debit at anytime by simply contacting your bank or building society. Written confirmation maybe required. Please also notify us. Page / 1 Hiscox Business Insurance Policy summary JAC-PSC-UK-DC556(5.4) 17431b 07/20 Your Hiscox Business Insurance policy summaries This document contains the summaries for any policy covers you have selected to protect your business. These summaries outline the key information about your policies so you can be confident that you have understood what you have bought and what you are covered for. However, you should carefully read your policy in full and ensure that you understand its terms and conditions in full. If you have any queries, you should contact Hiscox or your insurance advisor. Your side of the bargain Remember, your premium and insurance are based on the details you have provided to us. Please make sure this information accurately reflects your business and that you inform us immediately if anything needs to change. Please also tell us of any changes in circumstances that may affect the services provided by us or the cover provided by your policy. This is particularly important before taking out a policy, but it also applies throughout the life of the policy too. You need to consider: ■if you fail to fairly present the risk to us, including by failing to disclose any information material to the insurance, you could invalidate the policy, claims may not be paid or the amount we pay maybe reduced; ■you should read and check all insurance documents to ensure that you are aware of the cover, limits and other terms that apply; ■if you fail to let us know of any changes to your circumstances during the period of insurance or, if when telling us about such changes you fail to present the risk to us fairly, you could invalidate the policy, claims may not be paid or the amount we pay maybe reduced; ■please be aware of all terms and conditions of your policy because failure to comply with them could invalidate it or result in us not paying a claim or reducing the amount we pay; ■in the event ofa claim, you should take note of the required procedures, such as giving Hiscox prompt notice of the claims, as stated in the policy documentation. In particular, if you fail to notify us when you first become aware ofa shortcoming, fact, or problem, admit you are liable for what has happened or appoint solicitors or other legal representation without our prior written approval, claims or defence costs may not be paid or the amount we pay maybe reduced; ■as with any insurance, you have an obligation to take reasonable steps to mitigate any loss or liability; ■if you make a fraudulent claim or try to deceive us, we may terminate the policy. Policy length The period of insurance is shown on your policy schedule. Your policy schedule will also show if the policy is ona continuing cover basis. If itis ona continuing cover basis, we will renew your policy each year for another 12 months and continue to take payment (including any premium adjustment shown in your renewal invitation) using your existing arrangement, unless you tell us otherwise or if your risk changes. If your policy schedule does not show that the policy is ona continuing cover basis, cover will cease at the end of the period of insurance, unless you renew your policy with us. We will provide you witha statement of fact each year and provided that the information contained within the statement of fact is true, complete and accurate, you do not need to provide us with any further information. If any of the information in your statement of fact is not true, complete and accurate, you must let us know. If you do not let us know, it may affect the validity of the policy or our ability to pay a claim. Retroactive dates, geographical and jurisdiction limits Where any section of your policy schedule includes a retroactive date, we will not make any payment for any claim or loss under that section which arises from any activity performed or any act, incident or occurrence taking place, before the retroactive date. Where any section of your policy schedule shows the geographical limits which apply to that section of the policy, we will only pay for claims and losses under that section which arise from activities performed or acts, incidents or occurrences taking place within those geographical limits. Where any section provides cover in respect of your liability to third parties, we will only cover claims first made ina country within the applicable courts stated in that section of your policy schedule. Hiscox Business Insurance Policy summary JAC-PSC-UK-DC556(5.4) 17431b 07/20 Cancellation rights You can cancel this policy by giving us 30 days' notice. You will only be charged for the premiums due up to the date of cancellation. If we need to cancel the policy, we’ll give you 30 days’ notice in writing and refund any surplus premiums you might have paid. Please note – we may deduct an administration fee from any refunded payment.There is an exception to our 30-day notice period, which is triggered when we don’t receive your Direct Debit payments within the agreed 14-day period. At this point, we will contact you as soon as possible and stop the policyPage / 2 immediately. Underwritten by:Hiscox Underwriting Ltd on behalf of the insurers named in the schedule. Page / 1 Certificate of professional indemnity insurance Hughes 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:5Q34_P0GP5 Name of policy holder:Hughes Inc Period of insurance: From Wednesday 28 September, 2022 to 20/12/21 both days inclusive. This policy isa Continuing cover policy Insurer: Hiscox Insurance Company Limited Retroactive date: 16 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: Wednesday 28 September, 2022 Insurance details Policy number: 5Q34_P0GP5 Period of insurance: From Wednesday 28 September, 2022 to 20/12/21 both days inclusive. This policy isa Continuing cover policy. Insured: Hughes Inc Address: 52 Miah squares Fowlerton FARNHAM FY8R 1BY Additional insureds: None Business: Management Consultants Premium details Charged premium – the total amount you’ll pay for this policy. Charged premium: £3,723.92 Insurance Premium Tax (IPT): £8,125.57 Total charged premium: £3,574.97 Annualised premium – the annual premium for this policy. This is given for comparison purposes. Please refer to the charged premium section for the amount you’ll pay for the policy. Annual premium: £3,723.92 Insurance Premium Tax (IPT): £8,125.57 Annual total: £3,574.97 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 £8,410.36 Legal protection £100,000 £0 £7,925.96 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: Wednesday 28 September, 2022 Limit of indemnity £1,000,000 Limit applies to in the aggregate, including all costs Excess £1,000 Excess applies to each and every claim or loss, including all costs Geographical limits Worldwide Applicable courts Worldwide (excluding United States of America and Canada) Claims brought in USA or Canada Not covered Additional covers (in addition to overall limit of indemnity stated above) Cover Limit of indemnity Limit applies to Court attendance compensation - employees £250 per person, per day Court attendance compensation - directors and partners£500 per person, per day Court attendance compensation: in total £100,000 in the aggregate Special limits (included within not in addition to the overall limit of indemnity stated above) Cover Limit of indemnity Limit applies to Personal data claims £250,000 in the aggregate, including all costs Business activities Business managementPage / 2 consultant Retroactive date 16 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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5Q34_P0GP5
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(?<=Policy number - )[-\w_\/\.]+?(?= Company name)
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Wednesday 28 September, 2022
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(?<=anniversary of your policy is approaching on )[-\w_\/\. ,]+?(?= \.)
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Business
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(?<=time to renew your Hiscox )[-\w_\/\. ]+?(?= Insurance)
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2024-02-05
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hiscox-business-2
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Hiscox Business Insurance - Policy number - JR_/JCAMWRYWDG_-EU Company name: Robinson-Forster It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : JR_/JCAMWRYWDG_-EU. Company name: Robinson-Forster. Your Hiscox Insurance premium. Last year’s annual premium: This year’s annual premium. £ 8,673.01. £ 8,673.01. The premium includes all applicable insurance premium tax (IPT). Dear Mrs Craig Pugh. Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on Thursday 05 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. £3,986.22. £3,986.22. Legal protection. £4,588.46. £4,588.46. 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 Robinson-Forster , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay. . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover. Policy summary for each cover. ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover . As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, 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 05 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 : JR_/JCAMWRYWDG_-EU Company name: Robinson-Forster . It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : JR_/JCAMWRYWDG_-EU Company name: Robinson-Forster . Your Hiscox Insurance premium Last year’s annual premium: This year’s annual premium The premium includes all applicable insurance premium tax (IPT). £ 8,673.01 £ 8,673.01 . Your Hiscox Insurance premium . Last year’s annual premium: This year’s annual premium £ 8,673.01 £ 8,673.01 . The premium includes all applicable insurance premium tax (IPT). Dear Mrs Craig Pugh . Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on Thursday 05 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 £3,986.22 £3,986.22 Legal protection £4,588.46 £4,588.46 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 Robinson-Forster , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover Policy summary for each cover ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, 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 05 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 Thursday 05 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 £3,986.22 £3,986.22 Legal protection £4,588.46 £4,588.46 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 Robinson-Forster , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover Policy summary for each cover ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, 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 05 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) £3,986.22 £4,588.46 £0.00 . This year’s annual Premium (exc IPT) £3,986.22 £4,588.46 . Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) . Professional indemnity £3,986.22 £3,986.22 . Legal protection £4,588.46 £4,588.46 . 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: Craig Pugh Frequency of collection: Annual Sort code: %BANK_SORT_CODE_1% Account number: %BANK_ACCOUNT_NUMBER_1% Your Direct Debit schedule We will take payments on the dates outlined below: Date Amount 30/11/20 £8,673.01 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: JR_/JCAMWRYWDG_-EU If you have any questions about your policy or payments, please call us on 0800 280 0351. We’re here between 8:30am - 5:30pm Monday to Friday or you can email us at service@hiscox.co.uk. Using your personal information Hiscox isa trading name ofa number of Hiscox companies. The specific company acting asa data controller of your personal information will be listed in the documentation we provide to you. If you are unsure you can also contact us at anytime by telephoning 01904 681198 or by emailing us at dataprotectionofficer@hiscox.com. We collect and process information about you in order to provide insurance policies and to process claims. Your information is also used for business purposes such as fraud prevention and detection and financial management. This may involve sharing your information with, and obtaining information about you from, our group companies and third parties such as brokers, loss adjusters, credit reference agencies, service providers, professional advisors, our regulators or fraud prevention agencies. We may record telephone calls to help us monitor and improve the service we provide. For further information on how your information is used and your rights in relation to your information please see our privacy policy at www.hiscox.co.uk/cookies-privacy. The Direct Debit Guarantee This Guarantee is offered by all banks and building societies that accept instructions to pay Direct Debits. If there are any changes to the amount, date or frequency of your Direct Debit Hiscox Underwriting Ltd will notify you ten working days in advance of your account being debited or as otherwise agreed. If you request Hiscox Underwriting Ltd to collect a payment, confirmation of the amount and date will be given to you at the time of the request. If an error is made in the payment of your Direct Debit by Hiscox Underwriting Ltd or your bank or building society you are entitled to a full and immediate refund of the amount paid from your bank or building society. – If you receive a refund you are not entitled to, you must pay it back when Hiscox Underwriting Ltd asks you to. You can cancel a Direct Debit at anytime by simply contacting your bank or building society. Written confirmation maybe required. Please also notify us. Page / 1 Hiscox Business Insurance Policy summary JAC-PSC-UK-DC556(5.4) 17431b 07/20 Your Hiscox Business Insurance policy summaries This document contains the summaries for any policy covers you have selected to protect your business. These summaries outline the key information about your policies so you can be confident that you have understood what you have bought and what you are covered for. However, you should carefully read your policy in full and ensure that you understand its terms and conditions in full. If you have any queries, you should contact Hiscox or your insurance advisor. Your side of the bargain Remember, your premium and insurance are based on the details you have provided to us. Please make sure this information accurately reflects your business and that you inform us immediately if anything needs to change. Please also tell us of any changes in circumstances that may affect the services provided by us or the cover provided by your policy. This is particularly important before taking out a policy, but it also applies throughout the life of the policy too. You need to consider: ■if you fail to fairly present the risk to us, including by failing to disclose any information material to the insurance, you could invalidate the policy, claims may not be paid or the amount we pay maybe reduced; ■you should read and check all insurance documents to ensure that you are aware of the cover, limits and other terms that apply; ■if you fail to let us know of any changes to your circumstances during the period of insurance or, if when telling us about such changes you fail to present the risk to us fairly, you could invalidate the policy, claims may not be paid or the amount we pay maybe reduced; ■please be aware of all terms and conditions of your policy because failure to comply with them could invalidate it or result in us not paying a claim or reducing the amount we pay; ■in the event ofa claim, you should take note of the required procedures, such as giving Hiscox prompt notice of the claims, as stated in the policy documentation. In particular, if you fail to notify us when you first become aware ofa shortcoming, fact, or problem, admit you are liable for what has happened or appoint solicitors or other legal representation without our prior written approval, claims or defence costs may not be paid or the amount we pay maybe reduced; ■as with any insurance, you have an obligation to take reasonable steps to mitigate any loss or liability; ■if you make a fraudulent claim or try to deceive us, we may terminate the policy. Policy length The period of insurance is shown on your policy schedule. Your policy schedule will also show if the policy is ona continuing cover basis. If itis ona continuing cover basis, we will renew your policy each year for another 12 months and continue to take payment (including any premium adjustment shown in your renewal invitation) using your existing arrangement, unless you tell us otherwise or if your risk changes. If your policy schedule does not show that the policy is ona continuing cover basis, cover will cease at the end of the period of insurance, unless you renew your policy with us. We will provide you witha statement of fact each year and provided that the information contained within the statement of fact is true, complete and accurate, you do not need to provide us with any further information. If any of the information in your statement of fact is not true, complete and accurate, you must let us know. If you do not let us know, it may affect the validity of the policy or our ability to pay a claim. Retroactive dates, geographical and jurisdiction limits Where any section of your policy schedule includes a retroactive date, we will not make any payment for any claim or loss under that section which arises from any activity performed or any act, incident or occurrence taking place, before the retroactive date. Where any section of your policy schedule shows the geographical limits which apply to that section of the policy, we will only pay for claims and losses under that section which arise from activities performed or acts, incidents or occurrences taking place within those geographical limits. Where any section provides cover in respect of your liability to third parties, we will only cover claims first made ina country within the applicable courts stated in that section of your policy schedule. Hiscox Business Insurance Policy summary JAC-PSC-UK-DC556(5.4) 17431b 07/20 Cancellation rights You can cancel this policy by giving us 30 days' notice. You will only be charged for the premiums due up to the date of cancellation. If we need to cancel the policy, we’ll give you 30 days’ notice in writing and refund any surplus premiums you might have paid. Please note – we may deduct an administration fee from any refunded payment.There is an exception to our 30-day notice period, which is triggered when we don’t receive your Direct Debit payments within the agreed 14-day period. At this point, we will contact you as soon as possible and stop the 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-Forster Hiscox Underwriting Ltd of 1 Great St. Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Certificate of professional indemnity Insurance Policy number:JR_/JCAMWRYWDG_-EU Name of policy holder:Robinson-Forster Period of insurance: From Thursday 05 September, 2019 to Tue 31 December, 2019 both days inclusive. This policy isa Continuing cover policy Insurer: Hiscox Insurance Company Limited Retroactive date: 13 January, 2025 Level of cover:£1,000,000 Signed on behalf of Hiscox Underwriting Limited as agent for the insurers Jon Dye CEO, Hiscox UK Notes: (a) This insurance is subject to policy terms and conditions and any special terms notified to the InsuredPage / 1 Hiscox Business Insurance Policy Schedule 14502 10/18 This schedule tells you what is insured with us. It should be read carefully with your policy wording(s) and statement of fact detailed elsewhere in this document. Schedule effective date: Thursday 05 September, 2019 Insurance details Policy number: JR_/JCAMWRYWDG_-EU Period of insurance: From Thursday 05 September, 2019 to Tue 31 December, 2019 both days inclusive. This policy isa Continuing cover policy. Insured: Robinson-Forster Address: Flat 6 Hunter cape Tonyland FARNHAM S11 2YP Additional insureds: None Business: Management Consultants Premium details Charged premium – the total amount you’ll pay for this policy. Charged premium: £1,395.98 Insurance Premium Tax (IPT): £8,138.67 Total charged premium: £8,673.01 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: £1,395.98 Insurance Premium Tax (IPT): £8,138.67 Annual total: £8,673.01 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 £3,986.22 Legal protection £100,000 £0 £4,588.46 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: Thursday 05 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 13 January, 2025 Insurer Hiscox Insurance Company LimitedPage / 1 Hiscox Insurance Summary of change Introduction This document has been created to help you understand the key changes to your Hiscox Insurance policy and how they may impact you. Your policy continues to offer professional, tailored insurance to protect you and give you peace of mind that if you need us, you will be supported by our award winning claims team. If you have a query not covered by this document, or if you have any questions or concerns about your policy you should contact us. Frequently asked questions What if my circumstances change during the period of insurance? If your circumstances change during the period of insurance, you only need to let us know if the change means that any of the information in the Statement of Fact is no longer true, complete and accurate. If there are no such changes, you do not need to let us know. If any of the information within the Statement of Fact becomes no longer complete, true or accurate at any point during the period of insurance you must tell us as it may affect the validity of the policy or our ability to pay a claim. Additionally, if your contact details change then you should let us know straightaway. Where doI find the limits that apply to my policy? You can find your maximum allowable limits for turnover and wage rollin your Statement of Fact. You must check this information and tell us or your broker if you expect to exceed the maximum amounts shown. Please note these values may have changed. If there are special limits or special excesses applying to particular covers or types of losses these will be shown in the policy schedule. Please check your policy schedule carefully as they may have changed. My new schedule shows a different premium to last year? What has changed? If an underwriter has reviewed your policy then they may have manually adjusted your premium, for example if you’ve had claims in the last 12 months. Where doI find out about any endorsements on my policy? You will be able to see if an endorsement has been applied or removed by reviewing your Policy Schedule. If you have any queries or concerns, please contact us or your broker if you have one. Hiscox Insurance Summary of change Professional indemnity for business management consultants Summary of change Changes to the cover The following table shows the differences between our new policy wordings (5570 WD- PROF-UK-MAN(7), 15579 WD-PROF-UK-MAN-AG(3)) and our previous wordings (5570 WD-PROF-UK-MAN(6), 15579 WD-PROF-UK-MAN-AG(2)). This isa summary of the changes only. You should refer to the schedule and policy wording for the full description of the cover in place. Area of cover Previous policy New policy Improvement in cover Claims against you Advertising claims. We will pay claims arising from your advertising or branding for defamation or infringement of copyright or moral rights. This does not include claims for passing off, unauthorised use of trademarks or false or misleading advertising. Previously cover was not restricted to defamation or the infringement of copyright or moral rights.Covered Amended Your own lossesChanges to ‘what is covered’ Losses from dishonesty. Your losses arising from the dishonesty of your employees, sub-contractors or outsourcers.Covered Not covered Area of cover Previous policy New policy Improvement in cover Cyber incident. We will not pay claims relating to an actual or possible cyber attack, hacker or social engineering communication. Previously we excluded any virus not specifically targeted at your system.Covered Not covered Computer or digital technology error. We will not pay claims arising from any negligent act, error or omission in the operation or maintenance of computer or digital technology such as development, installation, patching or upgrading.Covered Not coveredChanges to ‘what is not covered’ Infrastructure. We will not pay claims arising from the failure of the service provided by internet, telecommunications, utilities or other infrastructure providers.Covered Not covered Hiscox Insurance Summary of change Personal data. We will not pay claims relating to personal data. We will pay such claims where they arise from your performance ofa business activity and which is not otherwise excluded. Subject to the limit shown in the schedule.Covered Not covered Other important changes Control of defence. Under the previous wording we had a duty to defend you against any covered claim brought against you. We now have the right but not the obligation to take control of the conduct of the claim including the appointment of legal representation. Please refer to the policy wording for full details. SOC-PROF-UK-MAN(1) 21367 01/21
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JR_/JCAMWRYWDG_-EU
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(?<=Policy number - )[-\w_\/\.]+?(?= Company name)
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Thursday 05 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 - IQ/S/5QO9/XBAV Company name: Barrett-Dobson It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : IQ/S/5QO9/XBAV. Company name: Barrett-Dobson. Your Hiscox Insurance premium. Last year’s annual premium: This year’s annual premium. £ 2,190.59. £ 2,190.59. The premium includes all applicable insurance premium tax (IPT). Dear Miss Roy Stevens. Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 2022-03-06 . Good news; if you want cover to continue with us and to make sure you stay protected by our award-winning cover, you do not need to do anything. We will update your policy onto our latest wording and continue to collect payment using the payment details we have for you. You must read the important information contained in this email and the attached documents. Your Hiscox Insurance Premium breakdown. The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). The amount shown as last year’s Annual premium will take into account any changes to the cover which may have been made during the last policy period. Cover. Last year’s annual premium (exc IPT). This year’s annual Premium (exc IPT). Professional indemnity. £4,335.96. £4,335.96. Legal protection. £5,986.22. £5,986.22. 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 Barrett-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 2022-03-06 . We’re here between 8:30am - 5:30pm Monday to Friday . Please note that we can only discuss policy changes with people named on the policy. Why renew with Hiscox. - Reassuring: we offer a range of cover options that can be tailored to your needs. - Flexible: we offer full flexibility to change your policy, with no administration fees . - Award-winning cover : we’ve been named Best Small Business Insurer 7 years running by Start Your Business Magazine . Please click this link for the Hiscox Referral Portal: https://refer.aklamio.com/hiscox/uk?source=postpurchase. Thank you again for choosing Hiscox to insure your business. We hope you and your business have a very successful year. Kind regards. Jon Dye. CEO, Hiscox UK. Business Insurance for the small and the brave. To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre. Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. This email and any files transmitted with it are confidential and intended solely for the use of the individual or entity to whom they are addressed. No one else is authorised to distribute, forward, print, copy or act upon any information contained in this email. If you have received this email in error, please notify the sender. Hiscox Syndicates Limited and Hiscox Insurance Company Limited are authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Hiscox Underwriting Limited, Hiscox Underwriting Services Ltd, Hiscox MGA Ltd and Hiscox ASM Ltd are authorised and regulated by the Financial Conduct Authority. Hiscox Assure SAS is duly registered as an insurance broker with the ORIAS, which is the French Official Registry of Insurance Intermediaries. Hiscox plc is a company registered in England and Wales under company registration number 2837811 and registered office at 1 Great St Helen's, London EC3A 6HX. Hiscox SA is a company registered in Luxembourg at 35 Avenue John F. Kennedy 35F, Luxembourg L-1855, and is authorised by the Commissariat aux Assurances de Luxembourg. It’s time to renew your Hiscox Business Insurance Hiscox Insurance policy number : IQ/S/5QO9/XBAV Company name: Barrett-Dobson . It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : IQ/S/5QO9/XBAV Company name: Barrett-Dobson . Your Hiscox Insurance premium Last year’s annual premium: This year’s annual premium The premium includes all applicable insurance premium tax (IPT). £ 2,190.59 £ 2,190.59 . Your Hiscox Insurance premium . Last year’s annual premium: This year’s annual premium £ 2,190.59 £ 2,190.59 . The premium includes all applicable insurance premium tax (IPT). Dear Miss Roy Stevens . Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 2022-03-06 . Good news; if you want cover to continue with us and to make sure you stay protected by our award-winning cover, you do not need to do anything. We will update your policy onto our latest wording and continue to collect payment using the payment details we have for you. You must read the important information contained in this email and the attached documents Your Hiscox Insurance Premium breakdown The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). The amount shown as last year’s Annual premium will take into account any changes to the cover which may have been made during the last policy period. Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) Professional indemnity £4,335.96 £4,335.96 Legal protection £5,986.22 £5,986.22 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 Barrett-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 2022-03-06 . We’re here between 8:30am - 5:30pm Monday to Friday . Please note that we can only discuss policy changes with people named on the policy. Why renew with Hiscox - Reassuring: we offer a range of cover options that can be tailored to your needs - Flexible: we offer full flexibility to change your policy, with no administration fees - Award-winning cover : we’ve been named Best Small Business Insurer 7 years running by Start Your Business Magazine Please click this link for the Hiscox Referral Portal: https://refer.aklamio.com/hiscox/uk?source=postpurchase Thank you again for choosing Hiscox to insure your business. We hope you and your business have a very successful year. Kind regards Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 2022-03-06 . Good news; if you want cover to continue with us and to make sure you stay protected by our award-winning cover, you do not need to do anything. We will update your policy onto our latest wording and continue to collect payment using the payment details we have for you. You must read the important information contained in this email and the attached documents Your Hiscox Insurance Premium breakdown The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). The amount shown as last year’s Annual premium will take into account any changes to the cover which may have been made during the last policy period. Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) Professional indemnity £4,335.96 £4,335.96 Legal protection £5,986.22 £5,986.22 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 Barrett-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 2022-03-06 . We’re here between 8:30am - 5:30pm Monday to Friday . Please note that we can only discuss policy changes with people named on the policy. Why renew with Hiscox - Reassuring: we offer a range of cover options that can be tailored to your needs - Flexible: we offer full flexibility to change your policy, with no administration fees - Award-winning cover : we’ve been named Best Small Business Insurer 7 years running by Start Your Business Magazine Please click this link for the Hiscox Referral Portal: https://refer.aklamio.com/hiscox/uk?source=postpurchase Thank you again for choosing Hiscox to insure your business. We hope you and your business have a very successful year. Kind regards Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Your Hiscox Insurance Premium breakdown The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). Cover Professional indemnity Legal protection Crisis containment . Last year’s annual premium (exc IPT) £4,335.96 £5,986.22 £0.00 . This year’s annual Premium (exc IPT) £4,335.96 £5,986.22 . Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) . Professional indemnity £4,335.96 £4,335.96 . Legal protection £5,986.22 £5,986.22 . 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: Roy 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 20/10/2023 £2,190.59 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: IQ/S/5QO9/XBAV If you have any questions about your policy or payments, please call us on 0800 280 0351. We’re here between 8:30am - 5:30pm Monday to Friday or you can email us at service@hiscox.co.uk. Using your personal information Hiscox isa trading name ofa number of Hiscox companies. The specific company acting asa data controller of your personal information will be listed in the documentation we provide to you. If you are unsure you can also contact us at anytime by telephoning 01904 681198 or by emailing us at dataprotectionofficer@hiscox.com. We collect and process information about you in order to provide insurance policies and to process claims. Your information is also used for business purposes such as fraud prevention and detection and financial management. This may involve sharing your information with, and obtaining information about you from, our group companies and third parties such as brokers, loss adjusters, credit reference agencies, service providers, professional advisors, our regulators or fraud prevention agencies. We may record telephone calls to help us monitor and improve the service we provide. For further information on how your information is used and your rights in relation to your information please see our privacy policy at www.hiscox.co.uk/cookies-privacy. The Direct Debit Guarantee This Guarantee is offered by all banks and building societies that accept instructions to pay Direct Debits. If there are any changes to the amount, date or frequency of your Direct Debit Hiscox Underwriting Ltd will notify you ten working days in advance of your account being debited or as otherwise agreed. If you request Hiscox Underwriting Ltd to collect a payment, confirmation of the amount and date will be given to you at the time of the request. If an error is made in the payment of your Direct Debit by Hiscox Underwriting Ltd or your bank or building society you are entitled to a full and immediate refund of the amount paid from your bank or building society. – If you receive a refund you are not entitled to, you must pay it back when Hiscox Underwriting Ltd asks you to. You can cancel a Direct Debit at anytime by simply contacting your bank or building society. Written confirmation maybe required. Please also notify us. Page / 1 Hiscox Business Insurance Policy summary JAC-PSC-UK-DC556(5.4) 17431b 07/20 Your Hiscox Business Insurance policy summaries This document contains the summaries for any policy covers you have selected to protect your business. These summaries outline the key information about your policies so you can be confident that you have understood what you have bought and what you are covered for. However, you should carefully read your policy in full and ensure that you understand its terms and conditions in full. If you have any queries, you should contact Hiscox or your insurance advisor. Your side of the bargain Remember, your premium and insurance are based on the details you have provided to us. Please make sure this information accurately reflects your business and that you inform us immediately if anything needs to change. Please also tell us of any changes in circumstances that may affect the services provided by us or the cover provided by your policy. This is particularly important before taking out a policy, but it also applies throughout the life of the policy too. You need to consider: ■if you fail to fairly present the risk to us, including by failing to disclose any information material to the insurance, you could invalidate the policy, claims may not be paid or the amount we pay maybe reduced; ■you should read and check all insurance documents to ensure that you are aware of the cover, limits and other terms that apply; ■if you fail to let us know of any changes to your circumstances during the period of insurance or, if when telling us about such changes you fail to present the risk to us fairly, you could invalidate the policy, claims may not be paid or the amount we pay maybe reduced; ■please be aware of all terms and conditions of your policy because failure to comply with them could invalidate it or result in us not paying a claim or reducing the amount we pay; ■in the event ofa claim, you should take note of the required procedures, such as giving Hiscox prompt notice of the claims, as stated in the policy documentation. In particular, if you fail to notify us when you first become aware ofa shortcoming, fact, or problem, admit you are liable for what has happened or appoint solicitors or other legal representation without our prior written approval, claims or defence costs may not be paid or the amount we pay maybe reduced; ■as with any insurance, you have an obligation to take reasonable steps to mitigate any loss or liability; ■if you make a fraudulent claim or try to deceive us, we may terminate the policy. Policy length The period of insurance is shown on your policy schedule. Your policy schedule will also show if the policy is ona continuing cover basis. If itis ona continuing cover basis, we will renew your policy each year for another 12 months and continue to take payment (including any premium adjustment shown in your renewal invitation) using your existing arrangement, unless you tell us otherwise or if your risk changes. If your policy schedule does not show that the policy is ona continuing cover basis, cover will cease at the end of the period of insurance, unless you renew your policy with us. We will provide you witha statement of fact each year and provided that the information contained within the statement of fact is true, complete and accurate, you do not need to provide us with any further information. If any of the information in your statement of fact is not true, complete and accurate, you must let us know. If you do not let us know, it may affect the validity of the policy or our ability to pay a claim. Retroactive dates, geographical and jurisdiction limits Where any section of your policy schedule includes a retroactive date, we will not make any payment for any claim or loss under that section which arises from any activity performed or any act, incident or occurrence taking place, before the retroactive date. Where any section of your policy schedule shows the geographical limits which apply to that section of the policy, we will only pay for claims and losses under that section which arise from activities performed or acts, incidents or occurrences taking place within those geographical limits. Where any section provides cover in respect of your liability to third parties, we will only cover claims first made ina country within the applicable courts stated in that section of your policy schedule. Hiscox Business Insurance Policy summary JAC-PSC-UK-DC556(5.4) 17431b 07/20 Cancellation rights You can cancel this policy by giving us 30 days' notice. You will only be charged for the premiums due up to the date of cancellation. If we need to cancel the policy, we’ll give you 30 days’ notice in writing and refund any surplus premiums you might have paid. Please note – we may deduct an administration fee from any refunded payment.There is an exception to our 30-day notice period, which is triggered when we don’t receive your Direct Debit payments within the agreed 14-day period. At this point, we will contact you as soon as possible and stop the policyPage / 2 immediately. Underwritten by:Hiscox Underwriting Ltd on behalf of the insurers named in the schedule. Page / 1 Certificate of professional indemnity insurance Barrett-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:IQ/S/5QO9/XBAV Name of policy holder:Barrett-Dobson Period of insurance: From 2022-03-06 to 2022-09-24 both days inclusive. This policy isa Continuing cover policy Insurer: Hiscox Insurance Company Limited Retroactive date: 04 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: 2022-03-06 Insurance details Policy number: IQ/S/5QO9/XBAV Period of insurance: From 2022-03-06 to 2022-09-24 both days inclusive. This policy isa Continuing cover policy. Insured: Barrett-Dobson Address: Studio 12 Kieran way Atkinsonhaven FARNHAM G0T 9JF Additional insureds: None Business: Management Consultants Premium details Charged premium – the total amount you’ll pay for this policy. Charged premium: £3,255.74 Insurance Premium Tax (IPT): £8,124.38 Total charged premium: £2,190.59 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: £3,255.74 Insurance Premium Tax (IPT): £8,124.38 Annual total: £2,190.59 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 £4,335.96 Legal protection £100,000 £0 £5,986.22 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: 2022-03-06 Limit of indemnity £1,000,000 Limit applies to in the aggregate, including all costs Excess £1,000 Excess applies to each and every claim or loss, including all costs Geographical limits Worldwide Applicable courts Worldwide (excluding United States of America and Canada) Claims brought in USA or Canada Not covered Additional covers (in addition to overall limit of indemnity stated above) Cover Limit of indemnity Limit applies to Court attendance compensation - employees £250 per person, per day Court attendance compensation - directors and partners£500 per person, per day Court attendance compensation: in total £100,000 in the aggregate Special limits (included within not in addition to the overall limit of indemnity stated above) Cover Limit 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 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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IQ/S/5QO9/XBAV
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(?<=Policy number - )[-\w_\/\.]+?(?= Company name)
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2022-03-06
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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 - 2B2UNNER7G4NZSC/__PXIJCD Company name: Rogers, Sharpe and Page It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : 2B2UNNER7G4NZSC/__PXIJCD. Company name: Rogers, Sharpe and Page. Your Hiscox Insurance premium. Last year’s annual premium: This year’s annual premium. £ 3,174.89. £ 3,174.89. The premium includes all applicable insurance premium tax (IPT). Dear Miss Maureen Miller. Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 16/02/23 . Good news; if you want cover to continue with us and to make sure you stay protected by our award-winning cover, you do not need to do anything. We will update your policy onto our latest wording and continue to collect payment using the payment details we have for you. You must read the important information contained in this email and the attached documents. Your Hiscox Insurance Premium breakdown. The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). The amount shown as last year’s Annual premium will take into account any changes to the cover which may have been made during the last policy period. Cover. Last year’s annual premium (exc IPT). This year’s annual Premium (exc IPT). Professional indemnity. £9,530.71. £9,530.71. Legal protection. £4,630.26. £4,630.26. Crisis containment. £0.00. Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy . Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government increase in Insurance Premium Tax as shown. Is our information correct? Your premium and cover are based on what you’ve told us about Rogers, Sharpe and Page , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay. . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover. Policy summary for each cover. ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover . As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before 16/02/23 . 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 : 2B2UNNER7G4NZSC/__PXIJCD Company name: Rogers, Sharpe and Page . It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : 2B2UNNER7G4NZSC/__PXIJCD Company name: Rogers, Sharpe and Page . Your Hiscox Insurance premium Last year’s annual premium: This year’s annual premium The premium includes all applicable insurance premium tax (IPT). £ 3,174.89 £ 3,174.89 . Your Hiscox Insurance premium . Last year’s annual premium: This year’s annual premium £ 3,174.89 £ 3,174.89 . The premium includes all applicable insurance premium tax (IPT). Dear Miss Maureen Miller . Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 16/02/23 . Good news; if you want cover to continue with us and to make sure you stay protected by our award-winning cover, you do not need to do anything. We will update your policy onto our latest wording and continue to collect payment using the payment details we have for you. You must read the important information contained in this email and the attached documents Your Hiscox Insurance Premium breakdown The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). The amount shown as last year’s Annual premium will take into account any changes to the cover which may have been made during the last policy period. Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) Professional indemnity £9,530.71 £9,530.71 Legal protection £4,630.26 £4,630.26 Crisis containment £0.00 Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government increase in Insurance Premium Tax as shown. Is our information correct? Your premium and cover are based on what you’ve told us about Rogers, Sharpe and Page , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover Policy summary for each cover ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before 16/02/23 . 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 16/02/23 . Good news; if you want cover to continue with us and to make sure you stay protected by our award-winning cover, you do not need to do anything. We will update your policy onto our latest wording and continue to collect payment using the payment details we have for you. You must read the important information contained in this email and the attached documents Your Hiscox Insurance Premium breakdown The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). The amount shown as last year’s Annual premium will take into account any changes to the cover which may have been made during the last policy period. Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) Professional indemnity £9,530.71 £9,530.71 Legal protection £4,630.26 £4,630.26 Crisis containment £0.00 Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government increase in Insurance Premium Tax as shown. Is our information correct? Your premium and cover are based on what you’ve told us about Rogers, Sharpe and Page , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover Policy summary for each cover ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before 16/02/23 . We’re here between 8:30am - 5:30pm Monday to Friday . Please note that we can only discuss policy changes with people named on the policy. Why renew with Hiscox - Reassuring: we offer a range of cover options that can be tailored to your needs - Flexible: we offer full flexibility to change your policy, with no administration fees - Award-winning cover : we’ve been named Best Small Business Insurer 7 years running by Start Your Business Magazine Please click this link for the Hiscox Referral Portal: https://refer.aklamio.com/hiscox/uk?source=postpurchase Thank you again for choosing Hiscox to insure your business. We hope you and your business have a very successful year. Kind regards Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Your Hiscox Insurance Premium breakdown The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). Cover Professional indemnity Legal protection Crisis containment . Last year’s annual premium (exc IPT) £9,530.71 £4,630.26 £0.00 . This year’s annual Premium (exc IPT) £9,530.71 £4,630.26 . Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) . Professional indemnity £9,530.71 £9,530.71 . Legal protection £4,630.26 £4,630.26 . Crisis containment £0.00 . Kind regards Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre . Kind regards . Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave . To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre . Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Page / 1 Hiscox Business Insurance Policy wording 17431a - DC565 WORDING 04/17Guide to sectionsIntroduction Policy wordings General terms and conditions Professional indemnity for business management consultants Legal protection Crisis containment Hiscox Business Insurance Policy wording 17431a - DC565 WORDING 04/17IntroductionThank you for choosing Hiscox to protect your business. We hope that the language and layout of this policy wording are clear because we want you to understand the insurance we provide as well as the responsibilities we have to each other. Please read this document, including the policy schedule, policy summary and statement of fact, and let us know as soon as possible if any of the details are shown incorrectly. We always try to deliver to the highest standards of service. Your views are important to us, so if you feel that our service is below the standard you would expect from Hiscox, please contact us on the phone number shown in your policy schedule. Please note that some of the words we use in this insurance are shown in bold type. These words are defined in each section of the wording. Page / 1 Hiscox Insurance Payment schedule Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Thank you for continuing to pay for your policy by Direct Debit. Please check these details and let us know if anything is incorrect or if the schedule is not suitable. Your reference details Account holder name: Maureen Miller Frequency of collection: Annual Sort code: %BANK_SORT_CODE_1% Account number: %BANK_ACCOUNT_NUMBER_1% Your Direct Debit schedule We will take payments on the dates outlined below: Date Amount 2023-02-09 £3,174.89 Where your chosen collection date falls ona non-working day then we will endeavour to collect the next working day. For your information, the collections will be made using the following reference number: Originator Identification Number: 293461 Reference Number: 2B2UNNER7G4NZSC/__PXIJCD If you have any questions about your policy or payments, please call us on 0800 280 0351. We’re here between 8:30am - 5:30pm Monday to Friday or you can email us at service@hiscox.co.uk. Using your personal information Hiscox isa trading name ofa number of Hiscox companies. The specific company acting asa data controller of your personal information will be listed in the documentation we provide to you. If you are unsure you can also contact us at anytime by telephoning 01904 681198 or by emailing us at dataprotectionofficer@hiscox.com. We collect and process information about you in order to provide insurance policies and to process claims. Your information is also used for business purposes such as fraud prevention and detection and financial management. This may involve sharing your information with, and obtaining information about you from, our group companies and third parties such as brokers, loss adjusters, credit reference agencies, service providers, professional advisors, our regulators or fraud prevention agencies. We may record telephone calls to help us monitor and improve the service we provide. For further information on how your information is used and your rights in relation to your information please see our privacy policy at www.hiscox.co.uk/cookies-privacy. The Direct Debit Guarantee This Guarantee is offered by all banks and building societies that accept instructions to pay Direct Debits. If there are any changes to the amount, date or frequency of your Direct Debit Hiscox Underwriting Ltd will notify you ten working days in advance of your account being debited or as otherwise agreed. If you request Hiscox Underwriting Ltd to collect a payment, confirmation of the amount and date will be given to you at the time of the request. If an error is made in the payment of your Direct Debit by Hiscox Underwriting Ltd or your bank or building society you are entitled to a full and immediate refund of the amount paid from your bank or building society. – If you receive a refund you are not entitled to, you must pay it back when Hiscox Underwriting Ltd asks you to. You can cancel a Direct Debit at anytime by simply contacting your bank or building society. Written confirmation maybe required. Please also notify us. Page / 1 Hiscox Business Insurance Policy summary JAC-PSC-UK-DC556(5.4) 17431b 07/20 Your Hiscox Business Insurance policy summaries This document contains the summaries for any policy covers you have selected to protect your business. These summaries outline the key information about your policies so you can be confident that you have understood what you have bought and what you are covered for. However, you should carefully read your policy in full and ensure that you understand its terms and conditions in full. If you have any queries, you should contact Hiscox or your insurance advisor. Your side of the bargain Remember, your premium and insurance are based on the details you have provided to us. Please make sure this information accurately reflects your business and that you inform us immediately if anything needs to change. Please also tell us of any changes in circumstances that may affect the services provided by us or the cover provided by your policy. This is particularly important before taking out a policy, but it also applies throughout the life of the policy too. You need to consider: ■if you fail to fairly present the risk to us, including by failing to disclose any information material to the insurance, you could invalidate the policy, claims may not be paid or the amount we pay maybe reduced; ■you should read and check all insurance documents to ensure that you are aware of the cover, limits and other terms that apply; ■if you fail to let us know of any changes to your circumstances during the period of insurance or, if when telling us about such changes you fail to present the risk to us fairly, you could invalidate the policy, claims may not be paid or the amount we pay maybe reduced; ■please be aware of all terms and conditions of your policy because failure to comply with them could invalidate it or result in us not paying a claim or reducing the amount we pay; ■in the event ofa claim, you should take note of the required procedures, such as giving Hiscox prompt notice of the claims, as stated in the policy documentation. In particular, if you fail to notify us when you first become aware ofa shortcoming, fact, or problem, admit you are liable for what has happened or appoint solicitors or other legal representation without our prior written approval, claims or defence costs may not be paid or the amount we pay maybe reduced; ■as with any insurance, you have an obligation to take reasonable steps to mitigate any loss or liability; ■if you make a fraudulent claim or try to deceive us, we may terminate the policy. Policy length The period of insurance is shown on your policy schedule. Your policy schedule will also show if the policy is ona continuing cover basis. If itis ona continuing cover basis, we will renew your policy each year for another 12 months and continue to take payment (including any premium adjustment shown in your renewal invitation) using your existing arrangement, unless you tell us otherwise or if your risk changes. If your policy schedule does not show that the policy is ona continuing cover basis, cover will cease at the end of the period of insurance, unless you renew your policy with us. We will provide you witha statement of fact each year and provided that the information contained within the statement of fact is true, complete and accurate, you do not need to provide us with any further information. If any of the information in your statement of fact is not true, complete and accurate, you must let us know. If you do not let us know, it may affect the validity of the policy or our ability to pay a claim. Retroactive dates, geographical and jurisdiction limits Where any section of your policy schedule includes a retroactive date, we will not make any payment for any claim or loss under that section which arises from any activity performed or any act, incident or occurrence taking place, before the retroactive date. Where any section of your policy schedule shows the geographical limits which apply to that section of the policy, we will only pay for claims and losses under that section which arise from activities performed or acts, incidents or occurrences taking place within those geographical limits. Where any section provides cover in respect of your liability to third parties, we will only cover claims first made ina country within the applicable courts stated in that section of your policy schedule. Hiscox Business Insurance Policy summary JAC-PSC-UK-DC556(5.4) 17431b 07/20 Cancellation rights You can cancel this policy by giving us 30 days' notice. You will only be charged for the premiums due up to the date of cancellation. If we need to cancel the policy, we’ll give you 30 days’ notice in writing and refund any surplus premiums you might have paid. Please note – we may deduct an administration fee from any refunded payment.There is an exception to our 30-day notice period, which is triggered when we don’t receive your Direct Debit payments within the agreed 14-day period. At this point, we will contact you as soon as possible and stop the policyPage / 2 immediately. Underwritten by:Hiscox Underwriting Ltd on behalf of the insurers named in the schedule. Page / 1 Certificate of professional indemnity insurance Rogers, Sharpe and Page Hiscox Underwriting Ltd of 1 Great St. Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Certificate of professional indemnity Insurance Policy number:2B2UNNER7G4NZSC/__PXIJCD Name of policy holder:Rogers, Sharpe and Page Period of insurance: From 16/02/23 to 17 March, 2021 both days inclusive. This policy isa Continuing cover policy Insurer: Hiscox Insurance Company Limited Retroactive date: Thu 04 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: 16/02/23 Insurance details Policy number: 2B2UNNER7G4NZSC/__PXIJCD Period of insurance: From 16/02/23 to 17 March, 2021 both days inclusive. This policy isa Continuing cover policy. Insured: Rogers, Sharpe and Page Address: 9 Matthew lights South Albertfurt FARNHAM B7T 7HH Additional insureds: None Business: Management Consultants Premium details Charged premium – the total amount you’ll pay for this policy. Charged premium: £8,972.12 Insurance Premium Tax (IPT): £8,441.68 Total charged premium: £3,174.89 Annualised premium – the annual premium for this policy. This is given for comparison purposes. Please refer to the charged premium section for the amount you’ll pay for the policy. Annual premium: £8,972.12 Insurance Premium Tax (IPT): £8,441.68 Annual total: £3,174.89 Please note that there will be no refund or additional premium for any transaction which is less than £20 (excluding IPT). Hiscox Business Insurance Policy Schedule 14502 10/18 Summary Claims information If you need to make a claim: - For claims relating to your building or contents please contact our claims team on 0800 247 1902, 9.00am – 5:30pm Monday to Friday. If you wish to make a claim online, you can log most claims quickly and easily through our claims notification portal at https://claims.hiscox.co.uk/. Outside of normal business hours, if you require emergency assistance in relation to substantial damage to your property, you can speak to our 24-hour emergency assistance team using the telephone number above. Your policy schedule will state if property cover is included in your policy. Our out-of-hours emergency assistance team operate ona pay-and-claim basis and you will need to have credit card details available as appropriate. The team will then be able to direct you to essential tradesmen, emergency loss adjusters or disaster management companies in the event of substantial damage. - If there isa claim (or potential claim) against you bya third party, please email us at liability.claims@hiscox.com. If you need to speak to a member of the claims team urgently, please call our team on 0800 711 7156, 9.00am – 5:30pm Monday to Friday. If you wish to make a claim online, you can log most claims quickly and easily through our claims notification portal at https://claims.hiscox.co.uk/. You will need to provide your full name and contact details, the name of your business or organisation, your address and postcode, the policy reference and circumstances of the claim. The Important information and contact details section below contains additional information specific to the covers applicable to your policy. If you are unsure of who to contact please call our team on 0800 711 7156, 9.00am – 5:30pm Monday to Friday. They will ensure you get through to the correct claims team and let you know what actions you need to take. If anything happens that might be covered under the policy, you must comply with the obligations set out in General claims conditions, together with the obligations set out under Your obligations in the section or sections under which you are making the claim. Itis important that you read the policy for details of its terms in full. Your covers This isa summary of each section of your policy. See each section for cover details. Cover Insurance amount Excess Annual Premium (exc IPT) Professional indemnity £1,000,000 £1,000 £9,530.71 Legal protection £100,000 £0 £4,630.26 Crisis containment £25,000 - £0.00 The figures above are in summary only and are not in addition to the amount insured specified against each cover section below. Hiscox Business Insurance Policy Schedule 14502 10/18 SECTION: PROFESSIONAL INDEMNITY – MANAGEMENT CONSULTANTS Cover start date: 16/02/23 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 Thu 04 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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2B2UNNER7G4NZSC/__PXIJCD
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(?<=Policy number - )[-\w_\/\.]+?(?= Company name)
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16/02/23
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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 - 2MADTM/AP Company name: Curtis-Harris It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : 2MADTM/AP. Company name: Curtis-Harris. Your Hiscox Insurance premium. Last year’s annual premium: This year’s annual premium. £ 599.09. £ 599.09. The premium includes all applicable insurance premium tax (IPT). Dear Mrs Mr Bernard Wong. Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 30/08/2019 . Good news; if you want cover to continue with us and to make sure you stay protected by our award-winning cover, you do not need to do anything. We will update your policy onto our latest wording and continue to collect payment using the payment details we have for you. You must read the important information contained in this email and the attached documents. Your Hiscox Insurance Premium breakdown. The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). The amount shown as last year’s Annual premium will take into account any changes to the cover which may have been made during the last policy period. Cover. Last year’s annual premium (exc IPT). This year’s annual Premium (exc IPT). Professional indemnity. £3,027.00. £3,027.00. Legal protection. £4,937.17. £4,937.17. 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 Curtis-Harris , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay. . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover. Policy summary for each cover. ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover . As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before 30/08/2019 . 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 : 2MADTM/AP Company name: Curtis-Harris . It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : 2MADTM/AP Company name: Curtis-Harris . Your Hiscox Insurance premium Last year’s annual premium: This year’s annual premium The premium includes all applicable insurance premium tax (IPT). £ 599.09 £ 599.09 . Your Hiscox Insurance premium . Last year’s annual premium: This year’s annual premium £ 599.09 £ 599.09 . The premium includes all applicable insurance premium tax (IPT). Dear Mrs Mr Bernard Wong . Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 30/08/2019 . Good news; if you want cover to continue with us and to make sure you stay protected by our award-winning cover, you do not need to do anything. We will update your policy onto our latest wording and continue to collect payment using the payment details we have for you. You must read the important information contained in this email and the attached documents Your Hiscox Insurance Premium breakdown The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). The amount shown as last year’s Annual premium will take into account any changes to the cover which may have been made during the last policy period. Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) Professional indemnity £3,027.00 £3,027.00 Legal protection £4,937.17 £4,937.17 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 Curtis-Harris , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover Policy summary for each cover ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before 30/08/2019 . 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 30/08/2019 . Good news; if you want cover to continue with us and to make sure you stay protected by our award-winning cover, you do not need to do anything. We will update your policy onto our latest wording and continue to collect payment using the payment details we have for you. You must read the important information contained in this email and the attached documents Your Hiscox Insurance Premium breakdown The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). The amount shown as last year’s Annual premium will take into account any changes to the cover which may have been made during the last policy period. Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) Professional indemnity £3,027.00 £3,027.00 Legal protection £4,937.17 £4,937.17 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 Curtis-Harris , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover Policy summary for each cover ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before 30/08/2019 . We’re here between 8:30am - 5:30pm Monday to Friday . Please note that we can only discuss policy changes with people named on the policy. Why renew with Hiscox - Reassuring: we offer a range of cover options that can be tailored to your needs - Flexible: we offer full flexibility to change your policy, with no administration fees - Award-winning cover : we’ve been named Best Small Business Insurer 7 years running by Start Your Business Magazine Please click this link for the Hiscox Referral Portal: https://refer.aklamio.com/hiscox/uk?source=postpurchase Thank you again for choosing Hiscox to insure your business. We hope you and your business have a very successful year. Kind regards Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Your Hiscox Insurance Premium breakdown The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). Cover Professional indemnity Legal protection Crisis containment . Last year’s annual premium (exc IPT) £3,027.00 £4,937.17 £0.00 . This year’s annual Premium (exc IPT) £3,027.00 £4,937.17 . Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) . Professional indemnity £3,027.00 £3,027.00 . Legal protection £4,937.17 £4,937.17 . 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: Mr Bernard Wong Frequency of collection: Annual Sort code: %BANK_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 December, 2023 £599.09 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: 2MADTM/AP If you have any questions about your policy or payments, please call us on 0800 280 0351. We’re here between 8:30am - 5:30pm Monday to Friday or you can email us at service@hiscox.co.uk. Using your personal information Hiscox isa trading name ofa number of Hiscox companies. The specific company acting asa data controller of your personal information will be listed in the documentation we provide to you. If you are unsure you can also contact us at anytime by telephoning 01904 681198 or by emailing us at dataprotectionofficer@hiscox.com. We collect and process information about you in order to provide insurance policies and to process claims. Your information is also used for business purposes such as fraud prevention and detection and financial management. This may involve sharing your information with, and obtaining information about you from, our group companies and third parties such as brokers, loss adjusters, credit reference agencies, service providers, professional advisors, our regulators or fraud prevention agencies. We may record telephone calls to help us monitor and improve the service we provide. For further information on how your information is used and your rights in relation to your information please see our privacy policy at www.hiscox.co.uk/cookies-privacy. The Direct Debit Guarantee This Guarantee is offered by all banks and building societies that accept instructions to pay Direct Debits. If there are any changes to the amount, date or frequency of your Direct Debit Hiscox Underwriting Ltd will notify you ten working days in advance of your account being debited or as otherwise agreed. If you request Hiscox Underwriting Ltd to collect a payment, confirmation of the amount and date will be given to you at the time of the request. If an error is made in the payment of your Direct Debit by Hiscox Underwriting Ltd or your bank or building society you are entitled to a full and immediate refund of the amount paid from your bank or building society. – If you receive a refund you are not entitled to, you must pay it back when Hiscox Underwriting Ltd asks you to. You can cancel a Direct Debit at anytime by simply contacting your bank or building society. Written confirmation maybe required. Please also notify us. Page / 1 Hiscox Business Insurance Policy summary JAC-PSC-UK-DC556(5.4) 17431b 07/20 Your Hiscox Business Insurance policy summaries This document contains the summaries for any policy covers you have selected to protect your business. These summaries outline the key information about your policies so you can be confident that you have understood what you have bought and what you are covered for. However, you should carefully read your policy in full and ensure that you understand its terms and conditions in full. If you have any queries, you should contact Hiscox or your insurance advisor. Your side of the bargain Remember, your premium and insurance are based on the details you have provided to us. Please make sure this information accurately reflects your business and that you inform us immediately if anything needs to change. Please also tell us of any changes in circumstances that may affect the services provided by us or the cover provided by your policy. This is particularly important before taking out a policy, but it also applies throughout the life of the policy too. You need to consider: ■if you fail to fairly present the risk to us, including by failing to disclose any information material to the insurance, you could invalidate the policy, claims may not be paid or the amount we pay maybe reduced; ■you should read and check all insurance documents to ensure that you are aware of the cover, limits and other terms that apply; ■if you fail to let us know of any changes to your circumstances during the period of insurance or, if when telling us about such changes you fail to present the risk to us fairly, you could invalidate the policy, claims may not be paid or the amount we pay maybe reduced; ■please be aware of all terms and conditions of your policy because failure to comply with them could invalidate it or result in us not paying a claim or reducing the amount we pay; ■in the event ofa claim, you should take note of the required procedures, such as giving Hiscox prompt notice of the claims, as stated in the policy documentation. In particular, if you fail to notify us when you first become aware ofa shortcoming, fact, or problem, admit you are liable for what has happened or appoint solicitors or other legal representation without our prior written approval, claims or defence costs may not be paid or the amount we pay maybe reduced; ■as with any insurance, you have an obligation to take reasonable steps to mitigate any loss or liability; ■if you make a fraudulent claim or try to deceive us, we may terminate the policy. Policy length The period of insurance is shown on your policy schedule. Your policy schedule will also show if the policy is ona continuing cover basis. If itis ona continuing cover basis, we will renew your policy each year for another 12 months and continue to take payment (including any premium adjustment shown in your renewal invitation) using your existing arrangement, unless you tell us otherwise or if your risk changes. If your policy schedule does not show that the policy is ona continuing cover basis, cover will cease at the end of the period of insurance, unless you renew your policy with us. We will provide you witha statement of fact each year and provided that the information contained within the statement of fact is true, complete and accurate, you do not need to provide us with any further information. If any of the information in your statement of fact is not true, complete and accurate, you must let us know. If you do not let us know, it may affect the validity of the policy or our ability to pay a claim. Retroactive dates, geographical and jurisdiction limits Where any section of your policy schedule includes a retroactive date, we will not make any payment for any claim or loss under that section which arises from any activity performed or any act, incident or occurrence taking place, before the retroactive date. Where any section of your policy schedule shows the geographical limits which apply to that section of the policy, we will only pay for claims and losses under that section which arise from activities performed or acts, incidents or occurrences taking place within those geographical limits. Where any section provides cover in respect of your liability to third parties, we will only cover claims first made ina country within the applicable courts stated in that section of your policy schedule. Hiscox Business Insurance Policy summary JAC-PSC-UK-DC556(5.4) 17431b 07/20 Cancellation rights You can cancel this policy by giving us 30 days' notice. You will only be charged for the premiums due up to the date of cancellation. If we need to cancel the policy, we’ll give you 30 days’ notice in writing and refund any surplus premiums you might have paid. Please note – we may deduct an administration fee from any refunded payment.There is an exception to our 30-day notice period, which is triggered when we don’t receive your Direct Debit payments within the agreed 14-day period. At this point, we will contact you as soon as possible and stop the policyPage / 2 immediately. Underwritten by:Hiscox Underwriting Ltd on behalf of the insurers named in the schedule. Page / 1 Certificate of professional indemnity insurance Curtis-Harris Hiscox Underwriting Ltd of 1 Great St. Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Certificate of professional indemnity Insurance Policy number:2MADTM/AP Name of policy holder:Curtis-Harris Period of insurance: From 30/08/2019 to Tuesday 11 June, 2024 both days inclusive. This policy isa Continuing cover policy Insurer: Hiscox Insurance Company Limited Retroactive date: Tuesday 14 January, 2020 Level of cover:£1,000,000 Signed on behalf of Hiscox Underwriting Limited as agent for the insurers Jon Dye CEO, Hiscox UK Notes: (a) This insurance is subject to policy terms and conditions and any special terms notified to the InsuredPage / 1 Hiscox Business Insurance Policy Schedule 14502 10/18 This schedule tells you what is insured with us. It should be read carefully with your policy wording(s) and statement of fact detailed elsewhere in this document. Schedule effective date: 30/08/2019 Insurance details Policy number: 2MADTM/AP Period of insurance: From 30/08/2019 to Tuesday 11 June, 2024 both days inclusive. This policy isa Continuing cover policy. Insured: Curtis-Harris Address: 27 Jayne courts South Stuartchester FARNHAM B6T 4ER Additional insureds: None Business: Management Consultants Premium details Charged premium – the total amount you’ll pay for this policy. Charged premium: £276.39 Insurance Premium Tax (IPT): £4,773.88 Total charged premium: £599.09 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: £276.39 Insurance Premium Tax (IPT): £4,773.88 Annual total: £599.09 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 £3,027.00 Legal protection £100,000 £0 £4,937.17 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: 30/08/2019 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 Tuesday 14 January, 2020 Insurer Hiscox Insurance Company LimitedPage / 1 Hiscox Insurance Summary of change Introduction This document has been created to help you understand the key changes to your Hiscox Insurance policy and how they may impact you. Your policy continues to offer professional, tailored insurance to protect you and give you peace of mind that if you need us, you will be supported by our award winning claims team. If you have a query not covered by this document, or if you have any questions or concerns about your policy you should contact us. Frequently asked questions What if my circumstances change during the period of insurance? If your circumstances change during the period of insurance, you only need to let us know if the change means that any of the information in the Statement of Fact is no longer true, complete and accurate. If there are no such changes, you do not need to let us know. If any of the information within the Statement of Fact becomes no longer complete, true or accurate at any point during the period of insurance you must tell us as it may affect the validity of the policy or our ability to pay a claim. Additionally, if your contact details change then you should let us know straightaway. Where doI find the limits that apply to my policy? You can find your maximum allowable limits for turnover and wage rollin your Statement of Fact. You must check this information and tell us or your broker if you expect to exceed the maximum amounts shown. Please note these values may have changed. If there are special limits or special excesses applying to particular covers or types of losses these will be shown in the policy schedule. Please check your policy schedule carefully as they may have changed. My new schedule shows a different premium to last year? What has changed? If an underwriter has reviewed your policy then they may have manually adjusted your premium, for example if you’ve had claims in the last 12 months. Where doI find out about any endorsements on my policy? You will be able to see if an endorsement has been applied or removed by reviewing your Policy Schedule. If you have any queries or concerns, please contact us or your broker if you have one. Hiscox Insurance Summary of change Professional indemnity for business management consultants Summary of change Changes to the cover The following table shows the differences between our new policy wordings (5570 WD- PROF-UK-MAN(7), 15579 WD-PROF-UK-MAN-AG(3)) and our previous wordings (5570 WD-PROF-UK-MAN(6), 15579 WD-PROF-UK-MAN-AG(2)). This isa summary of the changes only. You should refer to the schedule and policy wording for the full description of the cover in place. Area of cover Previous policy New policy Improvement in cover Claims against you Advertising claims. We will pay claims arising from your advertising or branding for defamation or infringement of copyright or moral rights. This does not include claims for passing off, unauthorised use of trademarks or false or misleading advertising. Previously cover was not restricted to defamation or the infringement of copyright or moral rights.Covered Amended Your own lossesChanges to ‘what is covered’ Losses from dishonesty. Your losses arising from the dishonesty of your employees, sub-contractors or outsourcers.Covered Not covered Area of cover Previous policy New policy Improvement in cover Cyber incident. We will not pay claims relating to an actual or possible cyber attack, hacker or social engineering communication. Previously we excluded any virus not specifically targeted at your system.Covered Not covered Computer or digital technology error. We will not pay claims arising from any negligent act, error or omission in the operation or maintenance of computer or digital technology such as development, installation, patching or upgrading.Covered Not coveredChanges to ‘what is not covered’ Infrastructure. We will not pay claims arising from the failure of the service provided by internet, telecommunications, utilities or other infrastructure providers.Covered Not covered Hiscox Insurance Summary of change Personal data. We will not pay claims relating to personal data. We will pay such claims where they arise from your performance ofa business activity and which is not otherwise excluded. Subject to the limit shown in the schedule.Covered Not covered Other important changes Control of defence. Under the previous wording we had a duty to defend you against any covered claim brought against you. We now have the right but not the obligation to take control of the conduct of the claim including the appointment of legal representation. Please refer to the policy wording for full details. SOC-PROF-UK-MAN(1) 21367 01/21
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2MADTM/AP
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(?<=Policy number - )[-\w_\/\.]+?(?= Company name)
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30/08/2019
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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 - YBG-KY.SG-Z/JHB/./LM Company name: Wade, Harrison and Foster It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : YBG-KY.SG-Z/JHB/./LM. Company name: Wade, Harrison and Foster. Your Hiscox Insurance premium. Last year’s annual premium: This year’s annual premium. £ 8,549.35. £ 8,549.35. The premium includes all applicable insurance premium tax (IPT). Dear Ms William James. Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 04/09/19 . 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. £6,894.12. £6,894.12. Legal protection. £7,771.77. £7,771.77. Crisis containment. £0.00. Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy . Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government increase in Insurance Premium Tax as shown. Is our information correct? Your premium and cover are based on what you’ve told us about Wade, Harrison and Foster , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay. . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover. Policy summary for each cover. ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover . As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before 04/09/19 . 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 : YBG-KY.SG-Z/JHB/./LM Company name: Wade, Harrison and Foster . It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : YBG-KY.SG-Z/JHB/./LM Company name: Wade, Harrison and Foster . Your Hiscox Insurance premium Last year’s annual premium: This year’s annual premium The premium includes all applicable insurance premium tax (IPT). £ 8,549.35 £ 8,549.35 . Your Hiscox Insurance premium . Last year’s annual premium: This year’s annual premium £ 8,549.35 £ 8,549.35 . The premium includes all applicable insurance premium tax (IPT). Dear Ms William James . Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 04/09/19 . 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 £6,894.12 £6,894.12 Legal protection £7,771.77 £7,771.77 Crisis containment £0.00 Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government increase in Insurance Premium Tax as shown. Is our information correct? Your premium and cover are based on what you’ve told us about Wade, Harrison and Foster , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover Policy summary for each cover ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before 04/09/19 . 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 04/09/19 . 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 £6,894.12 £6,894.12 Legal protection £7,771.77 £7,771.77 Crisis containment £0.00 Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government increase in Insurance Premium Tax as shown. Is our information correct? Your premium and cover are based on what you’ve told us about Wade, Harrison and Foster , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover Policy summary for each cover ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before 04/09/19 . 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) £6,894.12 £7,771.77 £0.00 . This year’s annual Premium (exc IPT) £6,894.12 £7,771.77 . Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) . Professional indemnity £6,894.12 £6,894.12 . Legal protection £7,771.77 £7,771.77 . Crisis containment £0.00 . Kind regards Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre . Kind regards . Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave . To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre . Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Page / 1 Hiscox Business Insurance Policy wording 17431a - DC565 WORDING 04/17Guide to sectionsIntroduction Policy wordings General terms and conditions Professional indemnity for business management consultants Legal protection Crisis containment Hiscox Business Insurance Policy wording 17431a - DC565 WORDING 04/17IntroductionThank you for choosing Hiscox to protect your business. We hope that the language and layout of this policy wording are clear because we want you to understand the insurance we provide as well as the responsibilities we have to each other. Please read this document, including the policy schedule, policy summary and statement of fact, and let us know as soon as possible if any of the details are shown incorrectly. We always try to deliver to the highest standards of service. Your views are important to us, so if you feel that our service is below the standard you would expect from Hiscox, please contact us on the phone number shown in your policy schedule. Please note that some of the words we use in this insurance are shown in bold type. These words are defined in each section of the wording. Page / 1 Hiscox Insurance Payment schedule Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Thank you for continuing to pay for your policy by Direct Debit. Please check these details and let us know if anything is incorrect or if the schedule is not suitable. Your reference details Account holder name: William James Frequency of collection: Annual Sort code: %BANK_SORT_CODE_1% Account number: %BANK_ACCOUNT_NUMBER_1% Your Direct Debit schedule We will take payments on the dates outlined below: Date Amount 2024-09-16 £8,549.35 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: YBG-KY.SG-Z/JHB/./LM If you have any questions about your policy or payments, please call us on 0800 280 0351. We’re here between 8:30am - 5:30pm Monday to Friday or you can email us at service@hiscox.co.uk. Using your personal information Hiscox isa trading name ofa number of Hiscox companies. The specific company acting asa data controller of your personal information will be listed in the documentation we provide to you. If you are unsure you can also contact us at anytime by telephoning 01904 681198 or by emailing us at dataprotectionofficer@hiscox.com. We collect and process information about you in order to provide insurance policies and to process claims. Your information is also used for business purposes such as fraud prevention and detection and financial management. This may involve sharing your information with, and obtaining information about you from, our group companies and third parties such as brokers, loss adjusters, credit reference agencies, service providers, professional advisors, our regulators or fraud prevention agencies. We may record telephone calls to help us monitor and improve the service we provide. For further information on how your information is used and your rights in relation to your information please see our privacy policy at www.hiscox.co.uk/cookies-privacy. The Direct Debit Guarantee This Guarantee is offered by all banks and building societies that accept instructions to pay Direct Debits. If there are any changes to the amount, date or frequency of your Direct Debit Hiscox Underwriting Ltd will notify you ten working days in advance of your account being debited or as otherwise agreed. If you request Hiscox Underwriting Ltd to collect a payment, confirmation of the amount and date will be given to you at the time of the request. If an error is made in the payment of your Direct Debit by Hiscox Underwriting Ltd or your bank or building society you are entitled to a full and immediate refund of the amount paid from your bank or building society. – If you receive a refund you are not entitled to, you must pay it back when Hiscox Underwriting Ltd asks you to. You can cancel a Direct Debit at anytime by simply contacting your bank or building society. Written confirmation maybe required. Please also notify us. Page / 1 Hiscox Business Insurance Policy summary JAC-PSC-UK-DC556(5.4) 17431b 07/20 Your Hiscox Business Insurance policy summaries This document contains the summaries for any policy covers you have selected to protect your business. These summaries outline the key information about your policies so you can be confident that you have understood what you have bought and what you are covered for. However, you should carefully read your policy in full and ensure that you understand its terms and conditions in full. If you have any queries, you should contact Hiscox or your insurance advisor. Your side of the bargain Remember, your premium and insurance are based on the details you have provided to us. Please make sure this information accurately reflects your business and that you inform us immediately if anything needs to change. Please also tell us of any changes in circumstances that may affect the services provided by us or the cover provided by your policy. This is particularly important before taking out a policy, but it also applies throughout the life of the policy too. You need to consider: ■if you fail to fairly present the risk to us, including by failing to disclose any information material to the insurance, you could invalidate the policy, claims may not be paid or the amount we pay maybe reduced; ■you should read and check all insurance documents to ensure that you are aware of the cover, limits and other terms that apply; ■if you fail to let us know of any changes to your circumstances during the period of insurance or, if when telling us about such changes you fail to present the risk to us fairly, you could invalidate the policy, claims may not be paid or the amount we pay maybe reduced; ■please be aware of all terms and conditions of your policy because failure to comply with them could invalidate it or result in us not paying a claim or reducing the amount we pay; ■in the event ofa claim, you should take note of the required procedures, such as giving Hiscox prompt notice of the claims, as stated in the policy documentation. In particular, if you fail to notify us when you first become aware ofa shortcoming, fact, or problem, admit you are liable for what has happened or appoint solicitors or other legal representation without our prior written approval, claims or defence costs may not be paid or the amount we pay maybe reduced; ■as with any insurance, you have an obligation to take reasonable steps to mitigate any loss or liability; ■if you make a fraudulent claim or try to deceive us, we may terminate the policy. Policy length The period of insurance is shown on your policy schedule. Your policy schedule will also show if the policy is ona continuing cover basis. If itis ona continuing cover basis, we will renew your policy each year for another 12 months and continue to take payment (including any premium adjustment shown in your renewal invitation) using your existing arrangement, unless you tell us otherwise or if your risk changes. If your policy schedule does not show that the policy is ona continuing cover basis, cover will cease at the end of the period of insurance, unless you renew your policy with us. We will provide you witha statement of fact each year and provided that the information contained within the statement of fact is true, complete and accurate, you do not need to provide us with any further information. If any of the information in your statement of fact is not true, complete and accurate, you must let us know. If you do not let us know, it may affect the validity of the policy or our ability to pay a claim. Retroactive dates, geographical and jurisdiction limits Where any section of your policy schedule includes a retroactive date, we will not make any payment for any claim or loss under that section which arises from any activity performed or any act, incident or occurrence taking place, before the retroactive date. Where any section of your policy schedule shows the geographical limits which apply to that section of the policy, we will only pay for claims and losses under that section which arise from activities performed or acts, incidents or occurrences taking place within those geographical limits. Where any section provides cover in respect of your liability to third parties, we will only cover claims first made ina country within the applicable courts stated in that section of your policy schedule. Hiscox Business Insurance Policy summary JAC-PSC-UK-DC556(5.4) 17431b 07/20 Cancellation rights You can cancel this policy by giving us 30 days' notice. You will only be charged for the premiums due up to the date of cancellation. If we need to cancel the policy, we’ll give you 30 days’ notice in writing and refund any surplus premiums you might have paid. Please note – we may deduct an administration fee from any refunded payment.There is an exception to our 30-day notice period, which is triggered when we don’t receive your Direct Debit payments within the agreed 14-day period. At this point, we will contact you as soon as possible and stop the policyPage / 2 immediately. Underwritten by:Hiscox Underwriting Ltd on behalf of the insurers named in the schedule. Page / 1 Certificate of professional indemnity insurance Wade, Harrison and Foster Hiscox Underwriting Ltd of 1 Great St. Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Certificate of professional indemnity Insurance Policy number:YBG-KY.SG-Z/JHB/./LM Name of policy holder:Wade, Harrison and Foster Period of insurance: From 04/09/19 to Thursday 21 August, 2025 both days inclusive. This policy isa Continuing cover policy Insurer: Hiscox Insurance Company Limited Retroactive date: 31 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: 04/09/19 Insurance details Policy number: YBG-KY.SG-Z/JHB/./LM Period of insurance: From 04/09/19 to Thursday 21 August, 2025 both days inclusive. This policy isa Continuing cover policy. Insured: Wade, Harrison and Foster Address: 4 Bird gateway Gillview FARNHAM N4 4TL Additional insureds: None Business: Management Consultants Premium details Charged premium – the total amount you’ll pay for this policy. Charged premium: £8,691.67 Insurance Premium Tax (IPT): £9,861.88 Total charged premium: £8,549.35 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: £8,691.67 Insurance Premium Tax (IPT): £9,861.88 Annual total: £8,549.35 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 £6,894.12 Legal protection £100,000 £0 £7,771.77 Crisis containment £25,000 - £0.00 The figures above are in summary only and are not in addition to the amount insured specified against each cover section below. Hiscox Business Insurance Policy Schedule 14502 10/18 SECTION: PROFESSIONAL INDEMNITY – MANAGEMENT CONSULTANTS Cover start date: 04/09/19 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 31 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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YBG-KY.SG-Z/JHB/./LM
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04/09/19
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Business
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2024-02-05
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hiscox-business-2
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Hiscox Business Insurance - Policy number - Y0DU2P2RL Company name: Davies Group It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : Y0DU2P2RL. Company name: Davies Group. Your Hiscox Insurance premium. Last year’s annual premium: This year’s annual premium. £ 3,549.20. £ 3,549.20. The premium includes all applicable insurance premium tax (IPT). Dear Mrs Stuart Foster. Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 12/01/26 . Good news; if you want cover to continue with us and to make sure you stay protected by our award-winning cover, you do not need to do anything. We will update your policy onto our latest wording and continue to collect payment using the payment details we have for you. You must read the important information contained in this email and the attached documents. Your Hiscox Insurance Premium breakdown. The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). The amount shown as last year’s Annual premium will take into account any changes to the cover which may have been made during the last policy period. Cover. Last year’s annual premium (exc IPT). This year’s annual Premium (exc IPT). Professional indemnity. £2,042.38. £2,042.38. Legal protection. £8,215.17. £8,215.17. 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 Davies 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 12/01/26 . We’re here between 8:30am - 5:30pm Monday to Friday . Please note that we can only discuss policy changes with people named on the policy. Why renew with Hiscox. - Reassuring: we offer a range of cover options that can be tailored to your needs. - Flexible: we offer full flexibility to change your policy, with no administration fees . - Award-winning cover : we’ve been named Best Small Business Insurer 7 years running by Start Your Business Magazine . Please click this link for the Hiscox Referral Portal: https://refer.aklamio.com/hiscox/uk?source=postpurchase. Thank you again for choosing Hiscox to insure your business. We hope you and your business have a very successful year. Kind regards. Jon Dye. CEO, Hiscox UK. Business Insurance for the small and the brave. To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre. Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. This email and any files transmitted with it are confidential and intended solely for the use of the individual or entity to whom they are addressed. No one else is authorised to distribute, forward, print, copy or act upon any information contained in this email. If you have received this email in error, please notify the sender. Hiscox Syndicates Limited and Hiscox Insurance Company Limited are authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Hiscox Underwriting Limited, Hiscox Underwriting Services Ltd, Hiscox MGA Ltd and Hiscox ASM Ltd are authorised and regulated by the Financial Conduct Authority. Hiscox Assure SAS is duly registered as an insurance broker with the ORIAS, which is the French Official Registry of Insurance Intermediaries. Hiscox plc is a company registered in England and Wales under company registration number 2837811 and registered office at 1 Great St Helen's, London EC3A 6HX. Hiscox SA is a company registered in Luxembourg at 35 Avenue John F. Kennedy 35F, Luxembourg L-1855, and is authorised by the Commissariat aux Assurances de Luxembourg. It’s time to renew your Hiscox Business Insurance Hiscox Insurance policy number : Y0DU2P2RL Company name: Davies Group . It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : Y0DU2P2RL Company name: Davies Group . Your Hiscox Insurance premium Last year’s annual premium: This year’s annual premium The premium includes all applicable insurance premium tax (IPT). £ 3,549.20 £ 3,549.20 . Your Hiscox Insurance premium . Last year’s annual premium: This year’s annual premium £ 3,549.20 £ 3,549.20 . The premium includes all applicable insurance premium tax (IPT). Dear Mrs Stuart Foster . Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 12/01/26 . Good news; if you want cover to continue with us and to make sure you stay protected by our award-winning cover, you do not need to do anything. We will update your policy onto our latest wording and continue to collect payment using the payment details we have for you. You must read the important information contained in this email and the attached documents Your Hiscox Insurance Premium breakdown The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). The amount shown as last year’s Annual premium will take into account any changes to the cover which may have been made during the last policy period. Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) Professional indemnity £2,042.38 £2,042.38 Legal protection £8,215.17 £8,215.17 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 Davies 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 12/01/26 . We’re here between 8:30am - 5:30pm Monday to Friday . Please note that we can only discuss policy changes with people named on the policy. Why renew with Hiscox - Reassuring: we offer a range of cover options that can be tailored to your needs - Flexible: we offer full flexibility to change your policy, with no administration fees - Award-winning cover : we’ve been named Best Small Business Insurer 7 years running by Start Your Business Magazine Please click this link for the Hiscox Referral Portal: https://refer.aklamio.com/hiscox/uk?source=postpurchase Thank you again for choosing Hiscox to insure your business. We hope you and your business have a very successful year. Kind regards Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 12/01/26 . Good news; if you want cover to continue with us and to make sure you stay protected by our award-winning cover, you do not need to do anything. We will update your policy onto our latest wording and continue to collect payment using the payment details we have for you. You must read the important information contained in this email and the attached documents Your Hiscox Insurance Premium breakdown The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). The amount shown as last year’s Annual premium will take into account any changes to the cover which may have been made during the last policy period. Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) Professional indemnity £2,042.38 £2,042.38 Legal protection £8,215.17 £8,215.17 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 Davies 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 12/01/26 . We’re here between 8:30am - 5:30pm Monday to Friday . Please note that we can only discuss policy changes with people named on the policy. Why renew with Hiscox - Reassuring: we offer a range of cover options that can be tailored to your needs - Flexible: we offer full flexibility to change your policy, with no administration fees - Award-winning cover : we’ve been named Best Small Business Insurer 7 years running by Start Your Business Magazine Please click this link for the Hiscox Referral Portal: https://refer.aklamio.com/hiscox/uk?source=postpurchase Thank you again for choosing Hiscox to insure your business. We hope you and your business have a very successful year. Kind regards Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Your Hiscox Insurance Premium breakdown The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). Cover Professional indemnity Legal protection Crisis containment . Last year’s annual premium (exc IPT) £2,042.38 £8,215.17 £0.00 . This year’s annual Premium (exc IPT) £2,042.38 £8,215.17 . Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) . Professional indemnity £2,042.38 £2,042.38 . Legal protection £8,215.17 £8,215.17 . 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: Stuart 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 Wednesday 24 August, 2022 £3,549.20 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: Y0DU2P2RL If you have any questions about your policy or payments, please call us on 0800 280 0351. We’re here between 8:30am - 5:30pm Monday to Friday or you can email us at service@hiscox.co.uk. Using your personal information Hiscox isa trading name ofa number of Hiscox companies. The specific company acting asa data controller of your personal information will be listed in the documentation we provide to you. If you are unsure you can also contact us at anytime by telephoning 01904 681198 or by emailing us at dataprotectionofficer@hiscox.com. We collect and process information about you in order to provide insurance policies and to process claims. Your information is also used for business purposes such as fraud prevention and detection and financial management. This may involve sharing your information with, and obtaining information about you from, our group companies and third parties such as brokers, loss adjusters, credit reference agencies, service providers, professional advisors, our regulators or fraud prevention agencies. We may record telephone calls to help us monitor and improve the service we provide. For further information on how your information is used and your rights in relation to your information please see our privacy policy at www.hiscox.co.uk/cookies-privacy. The Direct Debit Guarantee This Guarantee is offered by all banks and building societies that accept instructions to pay Direct Debits. If there are any changes to the amount, date or frequency of your Direct Debit Hiscox Underwriting Ltd will notify you ten working days in advance of your account being debited or as otherwise agreed. If you request Hiscox Underwriting Ltd to collect a payment, confirmation of the amount and date will be given to you at the time of the request. If an error is made in the payment of your Direct Debit by Hiscox Underwriting Ltd or your bank or building society you are entitled to a full and immediate refund of the amount paid from your bank or building society. – If you receive a refund you are not entitled to, you must pay it back when Hiscox Underwriting Ltd asks you to. You can cancel a Direct Debit at anytime by simply contacting your bank or building society. Written confirmation maybe required. Please also notify us. Page / 1 Hiscox Business Insurance Policy summary JAC-PSC-UK-DC556(5.4) 17431b 07/20 Your Hiscox Business Insurance policy summaries This document contains the summaries for any policy covers you have selected to protect your business. These summaries outline the key information about your policies so you can be confident that you have understood what you have bought and what you are covered for. However, you should carefully read your policy in full and ensure that you understand its terms and conditions in full. If you have any queries, you should contact Hiscox or your insurance advisor. Your side of the bargain Remember, your premium and insurance are based on the details you have provided to us. Please make sure this information accurately reflects your business and that you inform us immediately if anything needs to change. Please also tell us of any changes in circumstances that may affect the services provided by us or the cover provided by your policy. This is particularly important before taking out a policy, but it also applies throughout the life of the policy too. You need to consider: ■if you fail to fairly present the risk to us, including by failing to disclose any information material to the insurance, you could invalidate the policy, claims may not be paid or the amount we pay maybe reduced; ■you should read and check all insurance documents to ensure that you are aware of the cover, limits and other terms that apply; ■if you fail to let us know of any changes to your circumstances during the period of insurance or, if when telling us about such changes you fail to present the risk to us fairly, you could invalidate the policy, claims may not be paid or the amount we pay maybe reduced; ■please be aware of all terms and conditions of your policy because failure to comply with them could invalidate it or result in us not paying a claim or reducing the amount we pay; ■in the event ofa claim, you should take note of the required procedures, such as giving Hiscox prompt notice of the claims, as stated in the policy documentation. In particular, if you fail to notify us when you first become aware ofa shortcoming, fact, or problem, admit you are liable for what has happened or appoint solicitors or other legal representation without our prior written approval, claims or defence costs may not be paid or the amount we pay maybe reduced; ■as with any insurance, you have an obligation to take reasonable steps to mitigate any loss or liability; ■if you make a fraudulent claim or try to deceive us, we may terminate the policy. Policy length The period of insurance is shown on your policy schedule. Your policy schedule will also show if the policy is ona continuing cover basis. If itis ona continuing cover basis, we will renew your policy each year for another 12 months and continue to take payment (including any premium adjustment shown in your renewal invitation) using your existing arrangement, unless you tell us otherwise or if your risk changes. If your policy schedule does not show that the policy is ona continuing cover basis, cover will cease at the end of the period of insurance, unless you renew your policy with us. We will provide you witha statement of fact each year and provided that the information contained within the statement of fact is true, complete and accurate, you do not need to provide us with any further information. If any of the information in your statement of fact is not true, complete and accurate, you must let us know. If you do not let us know, it may affect the validity of the policy or our ability to pay a claim. Retroactive dates, geographical and jurisdiction limits Where any section of your policy schedule includes a retroactive date, we will not make any payment for any claim or loss under that section which arises from any activity performed or any act, incident or occurrence taking place, before the retroactive date. Where any section of your policy schedule shows the geographical limits which apply to that section of the policy, we will only pay for claims and losses under that section which arise from activities performed or acts, incidents or occurrences taking place within those geographical limits. Where any section provides cover in respect of your liability to third parties, we will only cover claims first made ina country within the applicable courts stated in that section of your policy schedule. Hiscox Business Insurance Policy summary JAC-PSC-UK-DC556(5.4) 17431b 07/20 Cancellation rights You can cancel this policy by giving us 30 days' notice. You will only be charged for the premiums due up to the date of cancellation. If we need to cancel the policy, we’ll give you 30 days’ notice in writing and refund any surplus premiums you might have paid. Please note – we may deduct an administration fee from any refunded payment.There is an exception to our 30-day notice period, which is triggered when we don’t receive your Direct Debit payments within the agreed 14-day period. At this point, we will contact you as soon as possible and stop the policyPage / 2 immediately. Underwritten by:Hiscox Underwriting Ltd on behalf of the insurers named in the schedule. Page / 1 Certificate of professional indemnity insurance Davies 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:Y0DU2P2RL Name of policy holder:Davies Group Period of insurance: From 12/01/26 to Sunday 28 April, 2024 both days inclusive. This policy isa Continuing cover policy Insurer: Hiscox Insurance Company Limited Retroactive date: 2019-05-12 Level of cover:£1,000,000 Signed on behalf of Hiscox Underwriting Limited as agent for the insurers Jon Dye CEO, Hiscox UK Notes: (a) This insurance is subject to policy terms and conditions and any special terms notified to the InsuredPage / 1 Hiscox Business Insurance Policy Schedule 14502 10/18 This schedule tells you what is insured with us. It should be read carefully with your policy wording(s) and statement of fact detailed elsewhere in this document. Schedule effective date: 12/01/26 Insurance details Policy number: Y0DU2P2RL Period of insurance: From 12/01/26 to Sunday 28 April, 2024 both days inclusive. This policy isa Continuing cover policy. Insured: Davies Group Address: 6 Colin villages East Joelmouth FARNHAM B75 7FE Additional insureds: None Business: Management Consultants Premium details Charged premium – the total amount you’ll pay for this policy. Charged premium: £5,772.85 Insurance Premium Tax (IPT): £8,503.49 Total charged premium: £3,549.20 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: £5,772.85 Insurance Premium Tax (IPT): £8,503.49 Annual total: £3,549.20 Please note that there will be no refund or additional premium for any transaction which is less than £20 (excluding IPT). Hiscox Business Insurance Policy Schedule 14502 10/18 Summary Claims information If you need to make a claim: - For claims relating to your building or contents please contact our claims team on 0800 247 1902, 9.00am – 5:30pm Monday to Friday. If you wish to make a claim online, you can log most claims quickly and easily through our claims notification portal at https://claims.hiscox.co.uk/. Outside of normal business hours, if you require emergency assistance in relation to substantial damage to your property, you can speak to our 24-hour emergency assistance team using the telephone number above. Your policy schedule will state if property cover is included in your policy. Our out-of-hours emergency assistance team operate ona pay-and-claim basis and you will need to have credit card details available as appropriate. The team will then be able to direct you to essential tradesmen, emergency loss adjusters or disaster management companies in the event of substantial damage. - If there isa claim (or potential claim) against you bya third party, please email us at liability.claims@hiscox.com. If you need to speak to a member of the claims team urgently, please call our team on 0800 711 7156, 9.00am – 5:30pm Monday to Friday. If you wish to make a claim online, you can log most claims quickly and easily through our claims notification portal at https://claims.hiscox.co.uk/. You will need to provide your full name and contact details, the name of your business or organisation, your address and postcode, the policy reference and circumstances of the claim. The Important information and contact details section below contains additional information specific to the covers applicable to your policy. If you are unsure of who to contact please call our team on 0800 711 7156, 9.00am – 5:30pm Monday to Friday. They will ensure you get through to the correct claims team and let you know what actions you need to take. If anything happens that might be covered under the policy, you must comply with the obligations set out in General claims conditions, together with the obligations set out under Your obligations in the section or sections under which you are making the claim. Itis important that you read the policy for details of its terms in full. Your covers This isa summary of each section of your policy. See each section for cover details. Cover Insurance amount Excess Annual Premium (exc IPT) Professional indemnity £1,000,000 £1,000 £2,042.38 Legal protection £100,000 £0 £8,215.17 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: 12/01/26 Limit of indemnity £1,000,000 Limit applies to in the aggregate, including all costs Excess £1,000 Excess applies to each and every claim or loss, including all costs Geographical limits Worldwide Applicable courts Worldwide (excluding United States of America and Canada) Claims brought in USA or Canada Not covered Additional covers (in addition to overall limit of indemnity stated above) Cover Limit of indemnity Limit applies to Court attendance compensation - employees £250 per person, per day Court attendance compensation - directors and partners£500 per person, per day Court attendance compensation: in total £100,000 in the aggregate Special limits (included within not in addition to the overall limit of indemnity stated above) Cover Limit of indemnity Limit applies to Personal data claims £250,000 in the aggregate, including all costs Business activities Business managementPage / 2 consultant Retroactive date 2019-05-12 Insurer Hiscox Insurance Company LimitedPage / 1 Hiscox Insurance Summary of change Introduction This document has been created to help you understand the key changes to your Hiscox Insurance policy and how they may impact you. Your policy continues to offer professional, tailored insurance to protect you and give you peace of mind that if you need us, you will be supported by our award winning claims team. If you have a query not covered by this document, or if you have any questions or concerns about your policy you should contact us. Frequently asked questions What if my circumstances change during the period of insurance? If your circumstances change during the period of insurance, you only need to let us know if the change means that any of the information in the Statement of Fact is no longer true, complete and accurate. If there are no such changes, you do not need to let us know. If any of the information within the Statement of Fact becomes no longer complete, true or accurate at any point during the period of insurance you must tell us as it may affect the validity of the policy or our ability to pay a claim. Additionally, if your contact details change then you should let us know straightaway. Where doI find the limits that apply to my policy? You can find your maximum allowable limits for turnover and wage rollin your Statement of Fact. You must check this information and tell us or your broker if you expect to exceed the maximum amounts shown. Please note these values may have changed. If there are special limits or special excesses applying to particular covers or types of losses these will be shown in the policy schedule. Please check your policy schedule carefully as they may have changed. My new schedule shows a different premium to last year? What has changed? If an underwriter has reviewed your policy then they may have manually adjusted your premium, for example if you’ve had claims in the last 12 months. Where doI find out about any endorsements on my policy? You will be able to see if an endorsement has been applied or removed by reviewing your Policy Schedule. If you have any queries or concerns, please contact us or your broker if you have one. Hiscox Insurance Summary of change Professional indemnity for business management consultants Summary of change Changes to the cover The following table shows the differences between our new policy wordings (5570 WD- PROF-UK-MAN(7), 15579 WD-PROF-UK-MAN-AG(3)) and our previous wordings (5570 WD-PROF-UK-MAN(6), 15579 WD-PROF-UK-MAN-AG(2)). This isa summary of the changes only. You should refer to the schedule and policy wording for the full description of the cover in place. Area of cover Previous policy New policy Improvement in cover Claims against you Advertising claims. We will pay claims arising from your advertising or branding for defamation or infringement of copyright or moral rights. This does not include claims for passing off, unauthorised use of trademarks or false or misleading advertising. Previously cover was not restricted to defamation or the infringement of copyright or moral rights.Covered Amended Your own lossesChanges to ‘what is covered’ Losses from dishonesty. Your losses arising from the dishonesty of your employees, sub-contractors or outsourcers.Covered Not covered Area of cover Previous policy New policy Improvement in cover Cyber incident. We will not pay claims relating to an actual or possible cyber attack, hacker or social engineering communication. Previously we excluded any virus not specifically targeted at your system.Covered Not covered Computer or digital technology error. We will not pay claims arising from any negligent act, error or omission in the operation or maintenance of computer or digital technology such as development, installation, patching or upgrading.Covered Not coveredChanges to ‘what is not covered’ Infrastructure. We will not pay claims arising from the failure of the service provided by internet, telecommunications, utilities or other infrastructure providers.Covered Not covered Hiscox Insurance Summary of change Personal data. We will not pay claims relating to personal data. We will pay such claims where they arise from your performance ofa business activity and which is not otherwise excluded. Subject to the limit shown in the schedule.Covered Not covered Other important changes Control of defence. Under the previous wording we had a duty to defend you against any covered claim brought against you. We now have the right but not the obligation to take control of the conduct of the claim including the appointment of legal representation. Please refer to the policy wording for full details. SOC-PROF-UK-MAN(1) 21367 01/21
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Y0DU2P2RL
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(?<=Policy number - )[-\w_\/\.]+?(?= Company name)
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12/01/26
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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 - luzfujwbquqnm_.vhejthd Company name: Reed, Haynes and Jennings It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : luzfujwbquqnm_.vhejthd. Company name: Reed, Haynes and Jennings. Your Hiscox Insurance premium. Last year’s annual premium: This year’s annual premium. £ 3,234.48. £ 3,234.48. The premium includes all applicable insurance premium tax (IPT). Dear Mr Helen Robson. Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on Thu 29 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. £2,170.68. £2,170.68. Legal protection. £7,264.21. £7,264.21. 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 Reed, Haynes and Jennings , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay. . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover. Policy summary for each cover. ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover . As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, 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 29 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 : luzfujwbquqnm_.vhejthd Company name: Reed, Haynes and Jennings . It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : luzfujwbquqnm_.vhejthd Company name: Reed, Haynes and Jennings . Your Hiscox Insurance premium Last year’s annual premium: This year’s annual premium The premium includes all applicable insurance premium tax (IPT). £ 3,234.48 £ 3,234.48 . Your Hiscox Insurance premium . Last year’s annual premium: This year’s annual premium £ 3,234.48 £ 3,234.48 . The premium includes all applicable insurance premium tax (IPT). Dear Mr Helen Robson . Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on Thu 29 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 £2,170.68 £2,170.68 Legal protection £7,264.21 £7,264.21 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 Reed, Haynes and Jennings , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover Policy summary for each cover ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, 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 29 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 Thu 29 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 £2,170.68 £2,170.68 Legal protection £7,264.21 £7,264.21 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 Reed, Haynes and Jennings , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover Policy summary for each cover ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, 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 29 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) £2,170.68 £7,264.21 £0.00 . This year’s annual Premium (exc IPT) £2,170.68 £7,264.21 . Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) . Professional indemnity £2,170.68 £2,170.68 . Legal protection £7,264.21 £7,264.21 . 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: Helen Robson Frequency of collection: Annual Sort code: %BANK_SORT_CODE_1% Account number: %BANK_ACCOUNT_NUMBER_1% Your Direct Debit schedule We will take payments on the dates outlined below: Date Amount 24/03/19 £3,234.48 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: luzfujwbquqnm_.vhejthd If you have any questions about your policy or payments, please call us on 0800 280 0351. We’re here between 8:30am - 5:30pm Monday to Friday or you can email us at service@hiscox.co.uk. Using your personal information Hiscox isa trading name ofa number of Hiscox companies. The specific company acting asa data controller of your personal information will be listed in the documentation we provide to you. If you are unsure you can also contact us at anytime by telephoning 01904 681198 or by emailing us at dataprotectionofficer@hiscox.com. We collect and process information about you in order to provide insurance policies and to process claims. Your information is also used for business purposes such as fraud prevention and detection and financial management. This may involve sharing your information with, and obtaining information about you from, our group companies and third parties such as brokers, loss adjusters, credit reference agencies, service providers, professional advisors, our regulators or fraud prevention agencies. We may record telephone calls to help us monitor and improve the service we provide. For further information on how your information is used and your rights in relation to your information please see our privacy policy at www.hiscox.co.uk/cookies-privacy. The Direct Debit Guarantee This Guarantee is offered by all banks and building societies that accept instructions to pay Direct Debits. If there are any changes to the amount, date or frequency of your Direct Debit Hiscox Underwriting Ltd will notify you ten working days in advance of your account being debited or as otherwise agreed. If you request Hiscox Underwriting Ltd to collect a payment, confirmation of the amount and date will be given to you at the time of the request. If an error is made in the payment of your Direct Debit by Hiscox Underwriting Ltd or your bank or building society you are entitled to a full and immediate refund of the amount paid from your bank or building society. – If you receive a refund you are not entitled to, you must pay it back when Hiscox Underwriting Ltd asks you to. You can cancel a Direct Debit at anytime by simply contacting your bank or building society. Written confirmation maybe required. Please also notify us. Page / 1 Hiscox Business Insurance Policy summary JAC-PSC-UK-DC556(5.4) 17431b 07/20 Your Hiscox Business Insurance policy summaries This document contains the summaries for any policy covers you have selected to protect your business. These summaries outline the key information about your policies so you can be confident that you have understood what you have bought and what you are covered for. However, you should carefully read your policy in full and ensure that you understand its terms and conditions in full. If you have any queries, you should contact Hiscox or your insurance advisor. Your side of the bargain Remember, your premium and insurance are based on the details you have provided to us. Please make sure this information accurately reflects your business and that you inform us immediately if anything needs to change. Please also tell us of any changes in circumstances that may affect the services provided by us or the cover provided by your policy. This is particularly important before taking out a policy, but it also applies throughout the life of the policy too. You need to consider: ■if you fail to fairly present the risk to us, including by failing to disclose any information material to the insurance, you could invalidate the policy, claims may not be paid or the amount we pay maybe reduced; ■you should read and check all insurance documents to ensure that you are aware of the cover, limits and other terms that apply; ■if you fail to let us know of any changes to your circumstances during the period of insurance or, if when telling us about such changes you fail to present the risk to us fairly, you could invalidate the policy, claims may not be paid or the amount we pay maybe reduced; ■please be aware of all terms and conditions of your policy because failure to comply with them could invalidate it or result in us not paying a claim or reducing the amount we pay; ■in the event ofa claim, you should take note of the required procedures, such as giving Hiscox prompt notice of the claims, as stated in the policy documentation. In particular, if you fail to notify us when you first become aware ofa shortcoming, fact, or problem, admit you are liable for what has happened or appoint solicitors or other legal representation without our prior written approval, claims or defence costs may not be paid or the amount we pay maybe reduced; ■as with any insurance, you have an obligation to take reasonable steps to mitigate any loss or liability; ■if you make a fraudulent claim or try to deceive us, we may terminate the policy. Policy length The period of insurance is shown on your policy schedule. Your policy schedule will also show if the policy is ona continuing cover basis. If itis ona continuing cover basis, we will renew your policy each year for another 12 months and continue to take payment (including any premium adjustment shown in your renewal invitation) using your existing arrangement, unless you tell us otherwise or if your risk changes. If your policy schedule does not show that the policy is ona continuing cover basis, cover will cease at the end of the period of insurance, unless you renew your policy with us. We will provide you witha statement of fact each year and provided that the information contained within the statement of fact is true, complete and accurate, you do not need to provide us with any further information. If any of the information in your statement of fact is not true, complete and accurate, you must let us know. If you do not let us know, it may affect the validity of the policy or our ability to pay a claim. Retroactive dates, geographical and jurisdiction limits Where any section of your policy schedule includes a retroactive date, we will not make any payment for any claim or loss under that section which arises from any activity performed or any act, incident or occurrence taking place, before the retroactive date. Where any section of your policy schedule shows the geographical limits which apply to that section of the policy, we will only pay for claims and losses under that section which arise from activities performed or acts, incidents or occurrences taking place within those geographical limits. Where any section provides cover in respect of your liability to third parties, we will only cover claims first made ina country within the applicable courts stated in that section of your policy schedule. Hiscox Business Insurance Policy summary JAC-PSC-UK-DC556(5.4) 17431b 07/20 Cancellation rights You can cancel this policy by giving us 30 days' notice. You will only be charged for the premiums due up to the date of cancellation. If we need to cancel the policy, we’ll give you 30 days’ notice in writing and refund any surplus premiums you might have paid. Please note – we may deduct an administration fee from any refunded payment.There is an exception to our 30-day notice period, which is triggered when we don’t receive your Direct Debit payments within the agreed 14-day period. At this point, we will contact you as soon as possible and stop the policyPage / 2 immediately. Underwritten by:Hiscox Underwriting Ltd on behalf of the insurers named in the schedule. Page / 1 Certificate of professional indemnity insurance Reed, Haynes and Jennings Hiscox Underwriting Ltd of 1 Great St. Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Certificate of professional indemnity Insurance Policy number:luzfujwbquqnm_.vhejthd Name of policy holder:Reed, Haynes and Jennings Period of insurance: From Thu 29 July, 2021 to 17/01/20 both days inclusive. This policy isa Continuing cover policy Insurer: Hiscox Insurance Company Limited Retroactive date: Sunday 26 September, 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 29 July, 2021 Insurance details Policy number: luzfujwbquqnm_.vhejthd Period of insurance: From Thu 29 July, 2021 to 17/01/20 both days inclusive. This policy isa Continuing cover policy. Insured: Reed, Haynes and Jennings Address: 10 Hayley course North Phillip FARNHAM PR7E 4EZ Additional insureds: None Business: Management Consultants Premium details Charged premium – the total amount you’ll pay for this policy. Charged premium: £4,162.27 Insurance Premium Tax (IPT): £9,948.09 Total charged premium: £3,234.48 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: £4,162.27 Insurance Premium Tax (IPT): £9,948.09 Annual total: £3,234.48 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 £2,170.68 Legal protection £100,000 £0 £7,264.21 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: Thu 29 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 Sunday 26 September, 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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luzfujwbquqnm_.vhejthd
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(?<=Policy number - )[-\w_\/\.]+?(?= Company name)
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Thu 29 July, 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 - NNZE.TBX-MGUAFI Company name: Franklin-Mitchell It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : NNZE.TBX-MGUAFI. Company name: Franklin-Mitchell. Your Hiscox Insurance premium. Last year’s annual premium: This year’s annual premium. £ 2,780.47. £ 2,780.47. The premium includes all applicable insurance premium tax (IPT). Dear Mr Katie Brown. Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 01/04/21 . Good news; if you want cover to continue with us and to make sure you stay protected by our award-winning cover, you do not need to do anything. We will update your policy onto our latest wording and continue to collect payment using the payment details we have for you. You must read the important information contained in this email and the attached documents. Your Hiscox Insurance Premium breakdown. The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). The amount shown as last year’s Annual premium will take into account any changes to the cover which may have been made during the last policy period. Cover. Last year’s annual premium (exc IPT). This year’s annual Premium (exc IPT). Professional indemnity. £4,303.25. £4,303.25. Legal protection. £279.20. £279.20. 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 Franklin-Mitchell , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay. . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover. Policy summary for each cover. ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover . As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before 01/04/21 . We’re here between 8:30am - 5:30pm Monday to Friday . Please note that we can only discuss policy changes with people named on the policy. Why renew with Hiscox. - Reassuring: we offer a range of cover options that can be tailored to your needs. - Flexible: we offer full flexibility to change your policy, with no administration fees . - Award-winning cover : we’ve been named Best Small Business Insurer 7 years running by Start Your Business Magazine . Please click this link for the Hiscox Referral Portal: https://refer.aklamio.com/hiscox/uk?source=postpurchase. Thank you again for choosing Hiscox to insure your business. We hope you and your business have a very successful year. Kind regards. Jon Dye. CEO, Hiscox UK. Business Insurance for the small and the brave. To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre. Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. This email and any files transmitted with it are confidential and intended solely for the use of the individual or entity to whom they are addressed. No one else is authorised to distribute, forward, print, copy or act upon any information contained in this email. If you have received this email in error, please notify the sender. Hiscox Syndicates Limited and Hiscox Insurance Company Limited are authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Hiscox Underwriting Limited, Hiscox Underwriting Services Ltd, Hiscox MGA Ltd and Hiscox ASM Ltd are authorised and regulated by the Financial Conduct Authority. Hiscox Assure SAS is duly registered as an insurance broker with the ORIAS, which is the French Official Registry of Insurance Intermediaries. Hiscox plc is a company registered in England and Wales under company registration number 2837811 and registered office at 1 Great St Helen's, London EC3A 6HX. Hiscox SA is a company registered in Luxembourg at 35 Avenue John F. Kennedy 35F, Luxembourg L-1855, and is authorised by the Commissariat aux Assurances de Luxembourg. It’s time to renew your Hiscox Business Insurance Hiscox Insurance policy number : NNZE.TBX-MGUAFI Company name: Franklin-Mitchell . It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : NNZE.TBX-MGUAFI Company name: Franklin-Mitchell . Your Hiscox Insurance premium Last year’s annual premium: This year’s annual premium The premium includes all applicable insurance premium tax (IPT). £ 2,780.47 £ 2,780.47 . Your Hiscox Insurance premium . Last year’s annual premium: This year’s annual premium £ 2,780.47 £ 2,780.47 . The premium includes all applicable insurance premium tax (IPT). Dear Mr Katie Brown . Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 01/04/21 . Good news; if you want cover to continue with us and to make sure you stay protected by our award-winning cover, you do not need to do anything. We will update your policy onto our latest wording and continue to collect payment using the payment details we have for you. You must read the important information contained in this email and the attached documents Your Hiscox Insurance Premium breakdown The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). The amount shown as last year’s Annual premium will take into account any changes to the cover which may have been made during the last policy period. Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) Professional indemnity £4,303.25 £4,303.25 Legal protection £279.20 £279.20 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 Franklin-Mitchell , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover Policy summary for each cover ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before 01/04/21 . We’re here between 8:30am - 5:30pm Monday to Friday . Please note that we can only discuss policy changes with people named on the policy. Why renew with Hiscox - Reassuring: we offer a range of cover options that can be tailored to your needs - Flexible: we offer full flexibility to change your policy, with no administration fees - Award-winning cover : we’ve been named Best Small Business Insurer 7 years running by Start Your Business Magazine Please click this link for the Hiscox Referral Portal: https://refer.aklamio.com/hiscox/uk?source=postpurchase Thank you again for choosing Hiscox to insure your business. We hope you and your business have a very successful year. Kind regards Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 01/04/21 . Good news; if you want cover to continue with us and to make sure you stay protected by our award-winning cover, you do not need to do anything. We will update your policy onto our latest wording and continue to collect payment using the payment details we have for you. You must read the important information contained in this email and the attached documents Your Hiscox Insurance Premium breakdown The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). The amount shown as last year’s Annual premium will take into account any changes to the cover which may have been made during the last policy period. Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) Professional indemnity £4,303.25 £4,303.25 Legal protection £279.20 £279.20 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 Franklin-Mitchell , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover Policy summary for each cover ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before 01/04/21 . We’re here between 8:30am - 5:30pm Monday to Friday . Please note that we can only discuss policy changes with people named on the policy. Why renew with Hiscox - Reassuring: we offer a range of cover options that can be tailored to your needs - Flexible: we offer full flexibility to change your policy, with no administration fees - Award-winning cover : we’ve been named Best Small Business Insurer 7 years running by Start Your Business Magazine Please click this link for the Hiscox Referral Portal: https://refer.aklamio.com/hiscox/uk?source=postpurchase Thank you again for choosing Hiscox to insure your business. We hope you and your business have a very successful year. Kind regards Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Your Hiscox Insurance Premium breakdown The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). Cover Professional indemnity Legal protection Crisis containment . Last year’s annual premium (exc IPT) £4,303.25 £279.20 £0.00 . This year’s annual Premium (exc IPT) £4,303.25 £279.20 . Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) . Professional indemnity £4,303.25 £4,303.25 . Legal protection £279.20 £279.20 . 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: Katie 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 26/02/21 £2,780.47 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: NNZE.TBX-MGUAFI If you have any questions about your policy or payments, please call us on 0800 280 0351. We’re here between 8:30am - 5:30pm Monday to Friday or you can email us at service@hiscox.co.uk. Using your personal information Hiscox isa trading name ofa number of Hiscox companies. The specific company acting asa data controller of your personal information will be listed in the documentation we provide to you. If you are unsure you can also contact us at anytime by telephoning 01904 681198 or by emailing us at dataprotectionofficer@hiscox.com. We collect and process information about you in order to provide insurance policies and to process claims. Your information is also used for business purposes such as fraud prevention and detection and financial management. This may involve sharing your information with, and obtaining information about you from, our group companies and third parties such as brokers, loss adjusters, credit reference agencies, service providers, professional advisors, our regulators or fraud prevention agencies. We may record telephone calls to help us monitor and improve the service we provide. For further information on how your information is used and your rights in relation to your information please see our privacy policy at www.hiscox.co.uk/cookies-privacy. The Direct Debit Guarantee This Guarantee is offered by all banks and building societies that accept instructions to pay Direct Debits. If there are any changes to the amount, date or frequency of your Direct Debit Hiscox Underwriting Ltd will notify you ten working days in advance of your account being debited or as otherwise agreed. If you request Hiscox Underwriting Ltd to collect a payment, confirmation of the amount and date will be given to you at the time of the request. If an error is made in the payment of your Direct Debit by Hiscox Underwriting Ltd or your bank or building society you are entitled to a full and immediate refund of the amount paid from your bank or building society. – If you receive a refund you are not entitled to, you must pay it back when Hiscox Underwriting Ltd asks you to. You can cancel a Direct Debit at anytime by simply contacting your bank or building society. Written confirmation maybe required. Please also notify us. Page / 1 Hiscox Business Insurance Policy summary JAC-PSC-UK-DC556(5.4) 17431b 07/20 Your Hiscox Business Insurance policy summaries This document contains the summaries for any policy covers you have selected to protect your business. These summaries outline the key information about your policies so you can be confident that you have understood what you have bought and what you are covered for. However, you should carefully read your policy in full and ensure that you understand its terms and conditions in full. If you have any queries, you should contact Hiscox or your insurance advisor. Your side of the bargain Remember, your premium and insurance are based on the details you have provided to us. Please make sure this information accurately reflects your business and that you inform us immediately if anything needs to change. Please also tell us of any changes in circumstances that may affect the services provided by us or the cover provided by your policy. This is particularly important before taking out a policy, but it also applies throughout the life of the policy too. You need to consider: ■if you fail to fairly present the risk to us, including by failing to disclose any information material to the insurance, you could invalidate the policy, claims may not be paid or the amount we pay maybe reduced; ■you should read and check all insurance documents to ensure that you are aware of the cover, limits and other terms that apply; ■if you fail to let us know of any changes to your circumstances during the period of insurance or, if when telling us about such changes you fail to present the risk to us fairly, you could invalidate the policy, claims may not be paid or the amount we pay maybe reduced; ■please be aware of all terms and conditions of your policy because failure to comply with them could invalidate it or result in us not paying a claim or reducing the amount we pay; ■in the event ofa claim, you should take note of the required procedures, such as giving Hiscox prompt notice of the claims, as stated in the policy documentation. In particular, if you fail to notify us when you first become aware ofa shortcoming, fact, or problem, admit you are liable for what has happened or appoint solicitors or other legal representation without our prior written approval, claims or defence costs may not be paid or the amount we pay maybe reduced; ■as with any insurance, you have an obligation to take reasonable steps to mitigate any loss or liability; ■if you make a fraudulent claim or try to deceive us, we may terminate the policy. Policy length The period of insurance is shown on your policy schedule. Your policy schedule will also show if the policy is ona continuing cover basis. If itis ona continuing cover basis, we will renew your policy each year for another 12 months and continue to take payment (including any premium adjustment shown in your renewal invitation) using your existing arrangement, unless you tell us otherwise or if your risk changes. If your policy schedule does not show that the policy is ona continuing cover basis, cover will cease at the end of the period of insurance, unless you renew your policy with us. We will provide you witha statement of fact each year and provided that the information contained within the statement of fact is true, complete and accurate, you do not need to provide us with any further information. If any of the information in your statement of fact is not true, complete and accurate, you must let us know. If you do not let us know, it may affect the validity of the policy or our ability to pay a claim. Retroactive dates, geographical and jurisdiction limits Where any section of your policy schedule includes a retroactive date, we will not make any payment for any claim or loss under that section which arises from any activity performed or any act, incident or occurrence taking place, before the retroactive date. Where any section of your policy schedule shows the geographical limits which apply to that section of the policy, we will only pay for claims and losses under that section which arise from activities performed or acts, incidents or occurrences taking place within those geographical limits. Where any section provides cover in respect of your liability to third parties, we will only cover claims first made ina country within the applicable courts stated in that section of your policy schedule. Hiscox Business Insurance Policy summary JAC-PSC-UK-DC556(5.4) 17431b 07/20 Cancellation rights You can cancel this policy by giving us 30 days' notice. You will only be charged for the premiums due up to the date of cancellation. If we need to cancel the policy, we’ll give you 30 days’ notice in writing and refund any surplus premiums you might have paid. Please note – we may deduct an administration fee from any refunded payment.There is an exception to our 30-day notice period, which is triggered when we don’t receive your Direct Debit payments within the agreed 14-day period. At this point, we will contact you as soon as possible and stop the policyPage / 2 immediately. Underwritten by:Hiscox Underwriting Ltd on behalf of the insurers named in the schedule. Page / 1 Certificate of professional indemnity insurance Franklin-Mitchell Hiscox Underwriting Ltd of 1 Great St. Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Certificate of professional indemnity Insurance Policy number:NNZE.TBX-MGUAFI Name of policy holder:Franklin-Mitchell Period of insurance: From 01/04/21 to 08/08/2020 both days inclusive. This policy isa Continuing cover policy Insurer: Hiscox Insurance Company Limited Retroactive date: 2019-03-31 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: 01/04/21 Insurance details Policy number: NNZE.TBX-MGUAFI Period of insurance: From 01/04/21 to 08/08/2020 both days inclusive. This policy isa Continuing cover policy. Insured: Franklin-Mitchell Address: 747 Annette summit Lake Lynda FARNHAM TN3E 0XX Additional insureds: None Business: Management Consultants Premium details Charged premium – the total amount you’ll pay for this policy. Charged premium: £4,081.05 Insurance Premium Tax (IPT): £6,670.82 Total charged premium: £2,780.47 Annualised premium – the annual premium for this policy. This is given for comparison purposes. Please refer to the charged premium section for the amount you’ll pay for the policy. Annual premium: £4,081.05 Insurance Premium Tax (IPT): £6,670.82 Annual total: £2,780.47 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 £4,303.25 Legal protection £100,000 £0 £279.20 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: 01/04/21 Limit of indemnity £1,000,000 Limit applies to in the aggregate, including all costs Excess £1,000 Excess applies to each and every claim or loss, including all costs Geographical limits Worldwide Applicable courts Worldwide (excluding United States of America and Canada) Claims brought in USA or Canada Not covered Additional covers (in addition to overall limit of indemnity stated above) Cover Limit of indemnity Limit applies to Court attendance compensation - employees £250 per person, per day Court attendance compensation - directors and partners£500 per person, per day Court attendance compensation: in total £100,000 in the aggregate Special limits (included within not in addition to the overall limit of indemnity stated above) Cover Limit of indemnity Limit applies to Personal data claims £250,000 in the aggregate, including all costs Business activities Business managementPage / 2 consultant Retroactive date 2019-03-31 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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NNZE.TBX-MGUAFI
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01/04/21
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2024-02-05
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hiscox-business-2
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Hiscox Business Insurance - Policy number - 5/80/EB87T/YGWXI Company name: Elliott, Sutton and Moore It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : 5/80/EB87T/YGWXI. Company name: Elliott, Sutton and Moore. Your Hiscox Insurance premium. Last year’s annual premium: This year’s annual premium. £ 4,742.29. £ 4,742.29. The premium includes all applicable insurance premium tax (IPT). Dear Miss Geraldine Green. Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 04/05/2021 . 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. £1,958.78. £1,958.78. Legal protection. £15.41. £15.41. 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 Elliott, Sutton and Moore , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay. . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover. Policy summary for each cover. ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover . As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before 04/05/2021 . 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 : 5/80/EB87T/YGWXI Company name: Elliott, Sutton and Moore . It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : 5/80/EB87T/YGWXI Company name: Elliott, Sutton and Moore . Your Hiscox Insurance premium Last year’s annual premium: This year’s annual premium The premium includes all applicable insurance premium tax (IPT). £ 4,742.29 £ 4,742.29 . Your Hiscox Insurance premium . Last year’s annual premium: This year’s annual premium £ 4,742.29 £ 4,742.29 . The premium includes all applicable insurance premium tax (IPT). Dear Miss Geraldine Green . Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 04/05/2021 . 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 £1,958.78 £1,958.78 Legal protection £15.41 £15.41 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 Elliott, Sutton and Moore , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover Policy summary for each cover ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before 04/05/2021 . 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 04/05/2021 . 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 £1,958.78 £1,958.78 Legal protection £15.41 £15.41 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 Elliott, Sutton and Moore , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover Policy summary for each cover ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before 04/05/2021 . 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) £1,958.78 £15.41 £0.00 . This year’s annual Premium (exc IPT) £1,958.78 £15.41 . Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) . Professional indemnity £1,958.78 £1,958.78 . Legal protection £15.41 £15.41 . 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: Geraldine 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 Saturday 28 January, 2023 £4,742.29 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: 5/80/EB87T/YGWXI If you have any questions about your policy or payments, please call us on 0800 280 0351. We’re here between 8:30am - 5:30pm Monday to Friday or you can email us at service@hiscox.co.uk. Using your personal information Hiscox isa trading name ofa number of Hiscox companies. The specific company acting asa data controller of your personal information will be listed in the documentation we provide to you. If you are unsure you can also contact us at anytime by telephoning 01904 681198 or by emailing us at dataprotectionofficer@hiscox.com. We collect and process information about you in order to provide insurance policies and to process claims. Your information is also used for business purposes such as fraud prevention and detection and financial management. This may involve sharing your information with, and obtaining information about you from, our group companies and third parties such as brokers, loss adjusters, credit reference agencies, service providers, professional advisors, our regulators or fraud prevention agencies. We may record telephone calls to help us monitor and improve the service we provide. For further information on how your information is used and your rights in relation to your information please see our privacy policy at www.hiscox.co.uk/cookies-privacy. The Direct Debit Guarantee This Guarantee is offered by all banks and building societies that accept instructions to pay Direct Debits. If there are any changes to the amount, date or frequency of your Direct Debit Hiscox Underwriting Ltd will notify you ten working days in advance of your account being debited or as otherwise agreed. If you request Hiscox Underwriting Ltd to collect a payment, confirmation of the amount and date will be given to you at the time of the request. If an error is made in the payment of your Direct Debit by Hiscox Underwriting Ltd or your bank or building society you are entitled to a full and immediate refund of the amount paid from your bank or building society. – If you receive a refund you are not entitled to, you must pay it back when Hiscox Underwriting Ltd asks you to. You can cancel a Direct Debit at anytime by simply contacting your bank or building society. Written confirmation maybe required. Please also notify us. Page / 1 Hiscox Business Insurance Policy summary JAC-PSC-UK-DC556(5.4) 17431b 07/20 Your Hiscox Business Insurance policy summaries This document contains the summaries for any policy covers you have selected to protect your business. These summaries outline the key information about your policies so you can be confident that you have understood what you have bought and what you are covered for. However, you should carefully read your policy in full and ensure that you understand its terms and conditions in full. If you have any queries, you should contact Hiscox or your insurance advisor. Your side of the bargain Remember, your premium and insurance are based on the details you have provided to us. Please make sure this information accurately reflects your business and that you inform us immediately if anything needs to change. Please also tell us of any changes in circumstances that may affect the services provided by us or the cover provided by your policy. This is particularly important before taking out a policy, but it also applies throughout the life of the policy too. You need to consider: ■if you fail to fairly present the risk to us, including by failing to disclose any information material to the insurance, you could invalidate the policy, claims may not be paid or the amount we pay maybe reduced; ■you should read and check all insurance documents to ensure that you are aware of the cover, limits and other terms that apply; ■if you fail to let us know of any changes to your circumstances during the period of insurance or, if when telling us about such changes you fail to present the risk to us fairly, you could invalidate the policy, claims may not be paid or the amount we pay maybe reduced; ■please be aware of all terms and conditions of your policy because failure to comply with them could invalidate it or result in us not paying a claim or reducing the amount we pay; ■in the event ofa claim, you should take note of the required procedures, such as giving Hiscox prompt notice of the claims, as stated in the policy documentation. In particular, if you fail to notify us when you first become aware ofa shortcoming, fact, or problem, admit you are liable for what has happened or appoint solicitors or other legal representation without our prior written approval, claims or defence costs may not be paid or the amount we pay maybe reduced; ■as with any insurance, you have an obligation to take reasonable steps to mitigate any loss or liability; ■if you make a fraudulent claim or try to deceive us, we may terminate the policy. Policy length The period of insurance is shown on your policy schedule. Your policy schedule will also show if the policy is ona continuing cover basis. If itis ona continuing cover basis, we will renew your policy each year for another 12 months and continue to take payment (including any premium adjustment shown in your renewal invitation) using your existing arrangement, unless you tell us otherwise or if your risk changes. If your policy schedule does not show that the policy is ona continuing cover basis, cover will cease at the end of the period of insurance, unless you renew your policy with us. We will provide you witha statement of fact each year and provided that the information contained within the statement of fact is true, complete and accurate, you do not need to provide us with any further information. If any of the information in your statement of fact is not true, complete and accurate, you must let us know. If you do not let us know, it may affect the validity of the policy or our ability to pay a claim. Retroactive dates, geographical and jurisdiction limits Where any section of your policy schedule includes a retroactive date, we will not make any payment for any claim or loss under that section which arises from any activity performed or any act, incident or occurrence taking place, before the retroactive date. Where any section of your policy schedule shows the geographical limits which apply to that section of the policy, we will only pay for claims and losses under that section which arise from activities performed or acts, incidents or occurrences taking place within those geographical limits. Where any section provides cover in respect of your liability to third parties, we will only cover claims first made ina country within the applicable courts stated in that section of your policy schedule. Hiscox Business Insurance Policy summary JAC-PSC-UK-DC556(5.4) 17431b 07/20 Cancellation rights You can cancel this policy by giving us 30 days' notice. You will only be charged for the premiums due up to the date of cancellation. If we need to cancel the policy, we’ll give you 30 days’ notice in writing and refund any surplus premiums you might have paid. Please note – we may deduct an administration fee from any refunded payment.There is an exception to our 30-day notice period, which is triggered when we don’t receive your Direct Debit payments within the agreed 14-day period. At this point, we will contact you as soon as possible and stop the 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, Sutton and Moore Hiscox Underwriting Ltd of 1 Great St. Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Certificate of professional indemnity Insurance Policy number:5/80/EB87T/YGWXI Name of policy holder:Elliott, Sutton and Moore Period of insurance: From 04/05/2021 to Sunday 06 September, 2020 both days inclusive. This policy isa Continuing cover policy Insurer: Hiscox Insurance Company Limited Retroactive date: 14 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: 04/05/2021 Insurance details Policy number: 5/80/EB87T/YGWXI Period of insurance: From 04/05/2021 to Sunday 06 September, 2020 both days inclusive. This policy isa Continuing cover policy. Insured: Elliott, Sutton and Moore Address: Flat 1 Roy pines New Jacobmouth FARNHAM MK9R 0PJ Additional insureds: None Business: Management Consultants Premium details Charged premium – the total amount you’ll pay for this policy. Charged premium: £7,386.13 Insurance Premium Tax (IPT): £7,824.66 Total charged premium: £4,742.29 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: £7,386.13 Insurance Premium Tax (IPT): £7,824.66 Annual total: £4,742.29 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 £1,958.78 Legal protection £100,000 £0 £15.41 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: 04/05/2021 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 14 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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5/80/EB87T/YGWXI
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04/05/2021
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2024-02-05
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hiscox-business-2
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Hiscox Business Insurance - Policy number - S8MIEW3H/DBWH//.RI Company name: Stokes and Sons It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : S8MIEW3H/DBWH//.RI. Company name: Stokes and Sons. Your Hiscox Insurance premium. Last year’s annual premium: This year’s annual premium. £ 4,699.15. £ 4,699.15. The premium includes all applicable insurance premium tax (IPT). Dear Mrs George Bailey. Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 09/03/2025 . 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. £3,741.34. £3,741.34. Legal protection. £5,567.81. £5,567.81. 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 Stokes and Sons , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay. . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover. Policy summary for each cover. ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover . As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before 09/03/2025 . 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 : S8MIEW3H/DBWH//.RI Company name: Stokes and Sons . It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : S8MIEW3H/DBWH//.RI Company name: Stokes and Sons . Your Hiscox Insurance premium Last year’s annual premium: This year’s annual premium The premium includes all applicable insurance premium tax (IPT). £ 4,699.15 £ 4,699.15 . Your Hiscox Insurance premium . Last year’s annual premium: This year’s annual premium £ 4,699.15 £ 4,699.15 . The premium includes all applicable insurance premium tax (IPT). Dear Mrs George Bailey . Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 09/03/2025 . 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 £3,741.34 £3,741.34 Legal protection £5,567.81 £5,567.81 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 Stokes and Sons , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover Policy summary for each cover ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before 09/03/2025 . 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 09/03/2025 . 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 £3,741.34 £3,741.34 Legal protection £5,567.81 £5,567.81 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 Stokes and Sons , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover Policy summary for each cover ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before 09/03/2025 . 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) £3,741.34 £5,567.81 £0.00 . This year’s annual Premium (exc IPT) £3,741.34 £5,567.81 . Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) . Professional indemnity £3,741.34 £3,741.34 . Legal protection £5,567.81 £5,567.81 . 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: George Bailey Frequency of collection: Annual Sort code: %BANK_SORT_CODE_1% Account number: %BANK_ACCOUNT_NUMBER_1% Your Direct Debit schedule We will take payments on the dates outlined below: Date Amount 22/06/19 £4,699.15 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: S8MIEW3H/DBWH//.RI If you have any questions about your policy or payments, please call us on 0800 280 0351. We’re here between 8:30am - 5:30pm Monday to Friday or you can email us at service@hiscox.co.uk. Using your personal information Hiscox isa trading name ofa number of Hiscox companies. The specific company acting asa data controller of your personal information will be listed in the documentation we provide to you. If you are unsure you can also contact us at anytime by telephoning 01904 681198 or by emailing us at dataprotectionofficer@hiscox.com. We collect and process information about you in order to provide insurance policies and to process claims. Your information is also used for business purposes such as fraud prevention and detection and financial management. This may involve sharing your information with, and obtaining information about you from, our group companies and third parties such as brokers, loss adjusters, credit reference agencies, service providers, professional advisors, our regulators or fraud prevention agencies. We may record telephone calls to help us monitor and improve the service we provide. For further information on how your information is used and your rights in relation to your information please see our privacy policy at www.hiscox.co.uk/cookies-privacy. The Direct Debit Guarantee This Guarantee is offered by all banks and building societies that accept instructions to pay Direct Debits. If there are any changes to the amount, date or frequency of your Direct Debit Hiscox Underwriting Ltd will notify you ten working days in advance of your account being debited or as otherwise agreed. If you request Hiscox Underwriting Ltd to collect a payment, confirmation of the amount and date will be given to you at the time of the request. If an error is made in the payment of your Direct Debit by Hiscox Underwriting Ltd or your bank or building society you are entitled to a full and immediate refund of the amount paid from your bank or building society. – If you receive a refund you are not entitled to, you must pay it back when Hiscox Underwriting Ltd asks you to. You can cancel a Direct Debit at anytime by simply contacting your bank or building society. Written confirmation maybe required. Please also notify us. Page / 1 Hiscox Business Insurance Policy summary JAC-PSC-UK-DC556(5.4) 17431b 07/20 Your Hiscox Business Insurance policy summaries This document contains the summaries for any policy covers you have selected to protect your business. These summaries outline the key information about your policies so you can be confident that you have understood what you have bought and what you are covered for. However, you should carefully read your policy in full and ensure that you understand its terms and conditions in full. If you have any queries, you should contact Hiscox or your insurance advisor. Your side of the bargain Remember, your premium and insurance are based on the details you have provided to us. Please make sure this information accurately reflects your business and that you inform us immediately if anything needs to change. Please also tell us of any changes in circumstances that may affect the services provided by us or the cover provided by your policy. This is particularly important before taking out a policy, but it also applies throughout the life of the policy too. You need to consider: ■if you fail to fairly present the risk to us, including by failing to disclose any information material to the insurance, you could invalidate the policy, claims may not be paid or the amount we pay maybe reduced; ■you should read and check all insurance documents to ensure that you are aware of the cover, limits and other terms that apply; ■if you fail to let us know of any changes to your circumstances during the period of insurance or, if when telling us about such changes you fail to present the risk to us fairly, you could invalidate the policy, claims may not be paid or the amount we pay maybe reduced; ■please be aware of all terms and conditions of your policy because failure to comply with them could invalidate it or result in us not paying a claim or reducing the amount we pay; ■in the event ofa claim, you should take note of the required procedures, such as giving Hiscox prompt notice of the claims, as stated in the policy documentation. In particular, if you fail to notify us when you first become aware ofa shortcoming, fact, or problem, admit you are liable for what has happened or appoint solicitors or other legal representation without our prior written approval, claims or defence costs may not be paid or the amount we pay maybe reduced; ■as with any insurance, you have an obligation to take reasonable steps to mitigate any loss or liability; ■if you make a fraudulent claim or try to deceive us, we may terminate the policy. Policy length The period of insurance is shown on your policy schedule. Your policy schedule will also show if the policy is ona continuing cover basis. If itis ona continuing cover basis, we will renew your policy each year for another 12 months and continue to take payment (including any premium adjustment shown in your renewal invitation) using your existing arrangement, unless you tell us otherwise or if your risk changes. If your policy schedule does not show that the policy is ona continuing cover basis, cover will cease at the end of the period of insurance, unless you renew your policy with us. We will provide you witha statement of fact each year and provided that the information contained within the statement of fact is true, complete and accurate, you do not need to provide us with any further information. If any of the information in your statement of fact is not true, complete and accurate, you must let us know. If you do not let us know, it may affect the validity of the policy or our ability to pay a claim. Retroactive dates, geographical and jurisdiction limits Where any section of your policy schedule includes a retroactive date, we will not make any payment for any claim or loss under that section which arises from any activity performed or any act, incident or occurrence taking place, before the retroactive date. Where any section of your policy schedule shows the geographical limits which apply to that section of the policy, we will only pay for claims and losses under that section which arise from activities performed or acts, incidents or occurrences taking place within those geographical limits. Where any section provides cover in respect of your liability to third parties, we will only cover claims first made ina country within the applicable courts stated in that section of your policy schedule. Hiscox Business Insurance Policy summary JAC-PSC-UK-DC556(5.4) 17431b 07/20 Cancellation rights You can cancel this policy by giving us 30 days' notice. You will only be charged for the premiums due up to the date of cancellation. If we need to cancel the policy, we’ll give you 30 days’ notice in writing and refund any surplus premiums you might have paid. Please note – we may deduct an administration fee from any refunded payment.There is an exception to our 30-day notice period, which is triggered when we don’t receive your Direct Debit payments within the agreed 14-day period. At this point, we will contact you as soon as possible and stop the policyPage / 2 immediately. Underwritten by:Hiscox Underwriting Ltd on behalf of the insurers named in the schedule. Page / 1 Certificate of professional indemnity insurance Stokes 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:S8MIEW3H/DBWH//.RI Name of policy holder:Stokes and Sons Period of insurance: From 09/03/2025 to Monday 10 June, 2024 both days inclusive. This policy isa Continuing cover policy Insurer: Hiscox Insurance Company Limited Retroactive date: 13/11/24 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: 09/03/2025 Insurance details Policy number: S8MIEW3H/DBWH//.RI Period of insurance: From 09/03/2025 to Monday 10 June, 2024 both days inclusive. This policy isa Continuing cover policy. Insured: Stokes and Sons Address: 534 Brenda garden Natalieport FARNHAM CB82 8NA Additional insureds: None Business: Management Consultants Premium details Charged premium – the total amount you’ll pay for this policy. Charged premium: £2,441.95 Insurance Premium Tax (IPT): £6,345.47 Total charged premium: £4,699.15 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: £2,441.95 Insurance Premium Tax (IPT): £6,345.47 Annual total: £4,699.15 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 £3,741.34 Legal protection £100,000 £0 £5,567.81 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: 09/03/2025 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 13/11/24 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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S8MIEW3H/DBWH//.RI
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(?<=Policy number - )[-\w_\/\.]+?(?= Company name)
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09/03/2025
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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 - xfhq//apar Company name: Bennett and Sons It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : xfhq//apar. Company name: Bennett and Sons. Your Hiscox Insurance premium. Last year’s annual premium: This year’s annual premium. £ 9,068.89. £ 9,068.89. The premium includes all applicable insurance premium tax (IPT). Dear Mr Clive Murray-Mitchell. Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 28 May, 2020 . Good news; if you want cover to continue with us and to make sure you stay protected by our award-winning cover, you do not need to do anything. We will update your policy onto our latest wording and continue to collect payment using the payment details we have for you. You must read the important information contained in this email and the attached documents. Your Hiscox Insurance Premium breakdown. The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). The amount shown as last year’s Annual premium will take into account any changes to the cover which may have been made during the last policy period. Cover. Last year’s annual premium (exc IPT). This year’s annual Premium (exc IPT). Professional indemnity. £1,567.61. £1,567.61. Legal protection. £8,096.84. £8,096.84. 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 Bennett 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 28 May, 2020 . We’re here between 8:30am - 5:30pm Monday to Friday . Please note that we can only discuss policy changes with people named on the policy. Why renew with Hiscox. - Reassuring: we offer a range of cover options that can be tailored to your needs. - Flexible: we offer full flexibility to change your policy, with no administration fees . - Award-winning cover : we’ve been named Best Small Business Insurer 7 years running by Start Your Business Magazine . Please click this link for the Hiscox Referral Portal: https://refer.aklamio.com/hiscox/uk?source=postpurchase. Thank you again for choosing Hiscox to insure your business. We hope you and your business have a very successful year. Kind regards. Jon Dye. CEO, Hiscox UK. Business Insurance for the small and the brave. To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre. Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. This email and any files transmitted with it are confidential and intended solely for the use of the individual or entity to whom they are addressed. No one else is authorised to distribute, forward, print, copy or act upon any information contained in this email. If you have received this email in error, please notify the sender. Hiscox Syndicates Limited and Hiscox Insurance Company Limited are authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Hiscox Underwriting Limited, Hiscox Underwriting Services Ltd, Hiscox MGA Ltd and Hiscox ASM Ltd are authorised and regulated by the Financial Conduct Authority. Hiscox Assure SAS is duly registered as an insurance broker with the ORIAS, which is the French Official Registry of Insurance Intermediaries. Hiscox plc is a company registered in England and Wales under company registration number 2837811 and registered office at 1 Great St Helen's, London EC3A 6HX. Hiscox SA is a company registered in Luxembourg at 35 Avenue John F. Kennedy 35F, Luxembourg L-1855, and is authorised by the Commissariat aux Assurances de Luxembourg. It’s time to renew your Hiscox Business Insurance Hiscox Insurance policy number : xfhq//apar Company name: Bennett and Sons . It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : xfhq//apar Company name: Bennett and Sons . Your Hiscox Insurance premium Last year’s annual premium: This year’s annual premium The premium includes all applicable insurance premium tax (IPT). £ 9,068.89 £ 9,068.89 . Your Hiscox Insurance premium . Last year’s annual premium: This year’s annual premium £ 9,068.89 £ 9,068.89 . The premium includes all applicable insurance premium tax (IPT). Dear Mr Clive Murray-Mitchell . Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 28 May, 2020 . Good news; if you want cover to continue with us and to make sure you stay protected by our award-winning cover, you do not need to do anything. We will update your policy onto our latest wording and continue to collect payment using the payment details we have for you. You must read the important information contained in this email and the attached documents Your Hiscox Insurance Premium breakdown The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). The amount shown as last year’s Annual premium will take into account any changes to the cover which may have been made during the last policy period. Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) Professional indemnity £1,567.61 £1,567.61 Legal protection £8,096.84 £8,096.84 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 Bennett 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 28 May, 2020 . We’re here between 8:30am - 5:30pm Monday to Friday . Please note that we can only discuss policy changes with people named on the policy. Why renew with Hiscox - Reassuring: we offer a range of cover options that can be tailored to your needs - Flexible: we offer full flexibility to change your policy, with no administration fees - Award-winning cover : we’ve been named Best Small Business Insurer 7 years running by Start Your Business Magazine Please click this link for the Hiscox Referral Portal: https://refer.aklamio.com/hiscox/uk?source=postpurchase Thank you again for choosing Hiscox to insure your business. We hope you and your business have a very successful year. Kind regards Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 28 May, 2020 . Good news; if you want cover to continue with us and to make sure you stay protected by our award-winning cover, you do not need to do anything. We will update your policy onto our latest wording and continue to collect payment using the payment details we have for you. You must read the important information contained in this email and the attached documents Your Hiscox Insurance Premium breakdown The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). The amount shown as last year’s Annual premium will take into account any changes to the cover which may have been made during the last policy period. Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) Professional indemnity £1,567.61 £1,567.61 Legal protection £8,096.84 £8,096.84 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 Bennett 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 28 May, 2020 . We’re here between 8:30am - 5:30pm Monday to Friday . Please note that we can only discuss policy changes with people named on the policy. Why renew with Hiscox - Reassuring: we offer a range of cover options that can be tailored to your needs - Flexible: we offer full flexibility to change your policy, with no administration fees - Award-winning cover : we’ve been named Best Small Business Insurer 7 years running by Start Your Business Magazine Please click this link for the Hiscox Referral Portal: https://refer.aklamio.com/hiscox/uk?source=postpurchase Thank you again for choosing Hiscox to insure your business. We hope you and your business have a very successful year. Kind regards Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Your Hiscox Insurance Premium breakdown The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). Cover Professional indemnity Legal protection Crisis containment . Last year’s annual premium (exc IPT) £1,567.61 £8,096.84 £0.00 . This year’s annual Premium (exc IPT) £1,567.61 £8,096.84 . Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) . Professional indemnity £1,567.61 £1,567.61 . Legal protection £8,096.84 £8,096.84 . 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: Clive Murray-Mitchell Frequency of collection: Annual Sort code: %BANK_SORT_CODE_1% Account number: %BANK_ACCOUNT_NUMBER_1% Your Direct Debit schedule We will take payments on the dates outlined below: Date Amount 19/03/22 £9,068.89 Where your chosen collection date falls ona non-working day then we will endeavour to collect the next working day. For your information, the collections will be made using the following reference number: Originator Identification Number: 293461 Reference Number: xfhq//apar If you have any questions about your policy or payments, please call us on 0800 280 0351. We’re here between 8:30am - 5:30pm Monday to Friday or you can email us at service@hiscox.co.uk. Using your personal information Hiscox isa trading name ofa number of Hiscox companies. The specific company acting asa data controller of your personal information will be listed in the documentation we provide to you. If you are unsure you can also contact us at anytime by telephoning 01904 681198 or by emailing us at dataprotectionofficer@hiscox.com. We collect and process information about you in order to provide insurance policies and to process claims. Your information is also used for business purposes such as fraud prevention and detection and financial management. This may involve sharing your information with, and obtaining information about you from, our group companies and third parties such as brokers, loss adjusters, credit reference agencies, service providers, professional advisors, our regulators or fraud prevention agencies. We may record telephone calls to help us monitor and improve the service we provide. For further information on how your information is used and your rights in relation to your information please see our privacy policy at www.hiscox.co.uk/cookies-privacy. The Direct Debit Guarantee This Guarantee is offered by all banks and building societies that accept instructions to pay Direct Debits. If there are any changes to the amount, date or frequency of your Direct Debit Hiscox Underwriting Ltd will notify you ten working days in advance of your account being debited or as otherwise agreed. If you request Hiscox Underwriting Ltd to collect a payment, confirmation of the amount and date will be given to you at the time of the request. If an error is made in the payment of your Direct Debit by Hiscox Underwriting Ltd or your bank or building society you are entitled to a full and immediate refund of the amount paid from your bank or building society. – If you receive a refund you are not entitled to, you must pay it back when Hiscox Underwriting Ltd asks you to. You can cancel a Direct Debit at anytime by simply contacting your bank or building society. Written confirmation maybe required. Please also notify us. Page / 1 Hiscox Business Insurance Policy summary JAC-PSC-UK-DC556(5.4) 17431b 07/20 Your Hiscox Business Insurance policy summaries This document contains the summaries for any policy covers you have selected to protect your business. These summaries outline the key information about your policies so you can be confident that you have understood what you have bought and what you are covered for. However, you should carefully read your policy in full and ensure that you understand its terms and conditions in full. If you have any queries, you should contact Hiscox or your insurance advisor. Your side of the bargain Remember, your premium and insurance are based on the details you have provided to us. Please make sure this information accurately reflects your business and that you inform us immediately if anything needs to change. Please also tell us of any changes in circumstances that may affect the services provided by us or the cover provided by your policy. This is particularly important before taking out a policy, but it also applies throughout the life of the policy too. You need to consider: ■if you fail to fairly present the risk to us, including by failing to disclose any information material to the insurance, you could invalidate the policy, claims may not be paid or the amount we pay maybe reduced; ■you should read and check all insurance documents to ensure that you are aware of the cover, limits and other terms that apply; ■if you fail to let us know of any changes to your circumstances during the period of insurance or, if when telling us about such changes you fail to present the risk to us fairly, you could invalidate the policy, claims may not be paid or the amount we pay maybe reduced; ■please be aware of all terms and conditions of your policy because failure to comply with them could invalidate it or result in us not paying a claim or reducing the amount we pay; ■in the event ofa claim, you should take note of the required procedures, such as giving Hiscox prompt notice of the claims, as stated in the policy documentation. In particular, if you fail to notify us when you first become aware ofa shortcoming, fact, or problem, admit you are liable for what has happened or appoint solicitors or other legal representation without our prior written approval, claims or defence costs may not be paid or the amount we pay maybe reduced; ■as with any insurance, you have an obligation to take reasonable steps to mitigate any loss or liability; ■if you make a fraudulent claim or try to deceive us, we may terminate the policy. Policy length The period of insurance is shown on your policy schedule. Your policy schedule will also show if the policy is ona continuing cover basis. If itis ona continuing cover basis, we will renew your policy each year for another 12 months and continue to take payment (including any premium adjustment shown in your renewal invitation) using your existing arrangement, unless you tell us otherwise or if your risk changes. If your policy schedule does not show that the policy is ona continuing cover basis, cover will cease at the end of the period of insurance, unless you renew your policy with us. We will provide you witha statement of fact each year and provided that the information contained within the statement of fact is true, complete and accurate, you do not need to provide us with any further information. If any of the information in your statement of fact is not true, complete and accurate, you must let us know. If you do not let us know, it may affect the validity of the policy or our ability to pay a claim. Retroactive dates, geographical and jurisdiction limits Where any section of your policy schedule includes a retroactive date, we will not make any payment for any claim or loss under that section which arises from any activity performed or any act, incident or occurrence taking place, before the retroactive date. Where any section of your policy schedule shows the geographical limits which apply to that section of the policy, we will only pay for claims and losses under that section which arise from activities performed or acts, incidents or occurrences taking place within those geographical limits. Where any section provides cover in respect of your liability to third parties, we will only cover claims first made ina country within the applicable courts stated in that section of your policy schedule. Hiscox Business Insurance Policy summary JAC-PSC-UK-DC556(5.4) 17431b 07/20 Cancellation rights You can cancel this policy by giving us 30 days' notice. You will only be charged for the premiums due up to the date of cancellation. If we need to cancel the policy, we’ll give you 30 days’ notice in writing and refund any surplus premiums you might have paid. Please note – we may deduct an administration fee from any refunded payment.There is an exception to our 30-day notice period, which is triggered when we don’t receive your Direct Debit payments within the agreed 14-day period. At this point, we will contact you as soon as possible and stop the policyPage / 2 immediately. Underwritten by:Hiscox Underwriting Ltd on behalf of the insurers named in the schedule. Page / 1 Certificate of professional indemnity insurance Bennett 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:xfhq//apar Name of policy holder:Bennett and Sons Period of insurance: From 28 May, 2020 to 24 October, 2024 both days inclusive. This policy isa Continuing cover policy Insurer: Hiscox Insurance Company Limited Retroactive date: 04/11/19 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: 28 May, 2020 Insurance details Policy number: xfhq//apar Period of insurance: From 28 May, 2020 to 24 October, 2024 both days inclusive. This policy isa Continuing cover policy. Insured: Bennett and Sons Address: Flat 8 Linda causeway New Dorothy FARNHAM DT4V 5TT Additional insureds: None Business: Management Consultants Premium details Charged premium – the total amount you’ll pay for this policy. Charged premium: £211.96 Insurance Premium Tax (IPT): £6,747.98 Total charged premium: £9,068.89 Annualised premium – the annual premium for this policy. This is given for comparison purposes. Please refer to the charged premium section for the amount you’ll pay for the policy. Annual premium: £211.96 Insurance Premium Tax (IPT): £6,747.98 Annual total: £9,068.89 Please note that there will be no refund or additional premium for any transaction which is less than £20 (excluding IPT). Hiscox Business Insurance Policy Schedule 14502 10/18 Summary Claims information If you need to make a claim: - For claims relating to your building or contents please contact our claims team on 0800 247 1902, 9.00am – 5:30pm Monday to Friday. If you wish to make a claim online, you can log most claims quickly and easily through our claims notification portal at https://claims.hiscox.co.uk/. Outside of normal business hours, if you require emergency assistance in relation to substantial damage to your property, you can speak to our 24-hour emergency assistance team using the telephone number above. Your policy schedule will state if property cover is included in your policy. Our out-of-hours emergency assistance team operate ona pay-and-claim basis and you will need to have credit card details available as appropriate. The team will then be able to direct you to essential tradesmen, emergency loss adjusters or disaster management companies in the event of substantial damage. - If there isa claim (or potential claim) against you bya third party, please email us at liability.claims@hiscox.com. If you need to speak to a member of the claims team urgently, please call our team on 0800 711 7156, 9.00am – 5:30pm Monday to Friday. If you wish to make a claim online, you can log most claims quickly and easily through our claims notification portal at https://claims.hiscox.co.uk/. You will need to provide your full name and contact details, the name of your business or organisation, your address and postcode, the policy reference and circumstances of the claim. The Important information and contact details section below contains additional information specific to the covers applicable to your policy. If you are unsure of who to contact please call our team on 0800 711 7156, 9.00am – 5:30pm Monday to Friday. They will ensure you get through to the correct claims team and let you know what actions you need to take. If anything happens that might be covered under the policy, you must comply with the obligations set out in General claims conditions, together with the obligations set out under Your obligations in the section or sections under which you are making the claim. Itis important that you read the policy for details of its terms in full. Your covers This isa summary of each section of your policy. See each section for cover details. Cover Insurance amount Excess Annual Premium (exc IPT) Professional indemnity £1,000,000 £1,000 £1,567.61 Legal protection £100,000 £0 £8,096.84 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: 28 May, 2020 Limit of indemnity £1,000,000 Limit applies to in the aggregate, including all costs Excess £1,000 Excess applies to each and every claim or loss, including all costs Geographical limits Worldwide Applicable courts Worldwide (excluding United States of America and Canada) Claims brought in USA or Canada Not covered Additional covers (in addition to overall limit of indemnity stated above) Cover Limit of indemnity Limit applies to Court attendance compensation - employees £250 per person, per day Court attendance compensation - directors and partners£500 per person, per day Court attendance compensation: in total £100,000 in the aggregate Special limits (included within not in addition to the overall limit of indemnity stated above) Cover Limit of indemnity Limit applies to Personal data claims £250,000 in the aggregate, including all costs Business activities Business managementPage / 2 consultant Retroactive date 04/11/19 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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xfhq//apar
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(?<=Policy number - )[-\w_\/\.]+?(?= Company name)
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28 May, 2020
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(?<=anniversary of your policy is approaching on )[-\w_\/\. ,]+?(?= \.)
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Business
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(?<=time to renew your Hiscox )[-\w_\/\. ]+?(?= Insurance)
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2024-02-05
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hiscox-business-2
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Hiscox Business Insurance - Policy number - WNA38BP.K7 Company name: Bull, Elliott and Humphreys It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : WNA38BP.K7. Company name: Bull, Elliott and Humphreys. Your Hiscox Insurance premium. Last year’s annual premium: This year’s annual premium. £ 4,971.46. £ 4,971.46. The premium includes all applicable insurance premium tax (IPT). Dear Dr Miss Sarah Grant. Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 17/12/2024 . Good news; if you want cover to continue with us and to make sure you stay protected by our award-winning cover, you do not need to do anything. We will update your policy onto our latest wording and continue to collect payment using the payment details we have for you. You must read the important information contained in this email and the attached documents. Your Hiscox Insurance Premium breakdown. The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). The amount shown as last year’s Annual premium will take into account any changes to the cover which may have been made during the last policy period. Cover. Last year’s annual premium (exc IPT). This year’s annual Premium (exc IPT). Professional indemnity. £3,586.78. £3,586.78. Legal protection. £315.66. £315.66. 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 Bull, Elliott and Humphreys , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay. . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover. Policy summary for each cover. ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover . As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before 17/12/2024 . 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 : WNA38BP.K7 Company name: Bull, Elliott and Humphreys . It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : WNA38BP.K7 Company name: Bull, Elliott and Humphreys . Your Hiscox Insurance premium Last year’s annual premium: This year’s annual premium The premium includes all applicable insurance premium tax (IPT). £ 4,971.46 £ 4,971.46 . Your Hiscox Insurance premium . Last year’s annual premium: This year’s annual premium £ 4,971.46 £ 4,971.46 . The premium includes all applicable insurance premium tax (IPT). Dear Dr Miss Sarah Grant . Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 17/12/2024 . Good news; if you want cover to continue with us and to make sure you stay protected by our award-winning cover, you do not need to do anything. We will update your policy onto our latest wording and continue to collect payment using the payment details we have for you. You must read the important information contained in this email and the attached documents Your Hiscox Insurance Premium breakdown The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). The amount shown as last year’s Annual premium will take into account any changes to the cover which may have been made during the last policy period. Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) Professional indemnity £3,586.78 £3,586.78 Legal protection £315.66 £315.66 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 Bull, Elliott and Humphreys , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover Policy summary for each cover ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before 17/12/2024 . We’re here between 8:30am - 5:30pm Monday to Friday . Please note that we can only discuss policy changes with people named on the policy. Why renew with Hiscox - Reassuring: we offer a range of cover options that can be tailored to your needs - Flexible: we offer full flexibility to change your policy, with no administration fees - Award-winning cover : we’ve been named Best Small Business Insurer 7 years running by Start Your Business Magazine Please click this link for the Hiscox Referral Portal: https://refer.aklamio.com/hiscox/uk?source=postpurchase Thank you again for choosing Hiscox to insure your business. We hope you and your business have a very successful year. Kind regards Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 17/12/2024 . Good news; if you want cover to continue with us and to make sure you stay protected by our award-winning cover, you do not need to do anything. We will update your policy onto our latest wording and continue to collect payment using the payment details we have for you. You must read the important information contained in this email and the attached documents Your Hiscox Insurance Premium breakdown The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). The amount shown as last year’s Annual premium will take into account any changes to the cover which may have been made during the last policy period. Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) Professional indemnity £3,586.78 £3,586.78 Legal protection £315.66 £315.66 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 Bull, Elliott and Humphreys , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover Policy summary for each cover ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before 17/12/2024 . 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) £3,586.78 £315.66 £0.00 . This year’s annual Premium (exc IPT) £3,586.78 £315.66 . Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) . Professional indemnity £3,586.78 £3,586.78 . Legal protection £315.66 £315.66 . 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: Miss Sarah Grant Frequency of collection: Annual Sort code: %BANK_SORT_CODE_1% Account number: %BANK_ACCOUNT_NUMBER_1% Your Direct Debit schedule We will take payments on the dates outlined below: Date Amount 20/10/23 £4,971.46 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: WNA38BP.K7 If you have any questions about your policy or payments, please call us on 0800 280 0351. We’re here between 8:30am - 5:30pm Monday to Friday or you can email us at service@hiscox.co.uk. Using your personal information Hiscox isa trading name ofa number of Hiscox companies. The specific company acting asa data controller of your personal information will be listed in the documentation we provide to you. If you are unsure you can also contact us at anytime by telephoning 01904 681198 or by emailing us at dataprotectionofficer@hiscox.com. We collect and process information about you in order to provide insurance policies and to process claims. Your information is also used for business purposes such as fraud prevention and detection and financial management. This may involve sharing your information with, and obtaining information about you from, our group companies and third parties such as brokers, loss adjusters, credit reference agencies, service providers, professional advisors, our regulators or fraud prevention agencies. We may record telephone calls to help us monitor and improve the service we provide. For further information on how your information is used and your rights in relation to your information please see our privacy policy at www.hiscox.co.uk/cookies-privacy. The Direct Debit Guarantee This Guarantee is offered by all banks and building societies that accept instructions to pay Direct Debits. If there are any changes to the amount, date or frequency of your Direct Debit Hiscox Underwriting Ltd will notify you ten working days in advance of your account being debited or as otherwise agreed. If you request Hiscox Underwriting Ltd to collect a payment, confirmation of the amount and date will be given to you at the time of the request. If an error is made in the payment of your Direct Debit by Hiscox Underwriting Ltd or your bank or building society you are entitled to a full and immediate refund of the amount paid from your bank or building society. – If you receive a refund you are not entitled to, you must pay it back when Hiscox Underwriting Ltd asks you to. You can cancel a Direct Debit at anytime by simply contacting your bank or building society. Written confirmation maybe required. Please also notify us. Page / 1 Hiscox Business Insurance Policy summary JAC-PSC-UK-DC556(5.4) 17431b 07/20 Your Hiscox Business Insurance policy summaries This document contains the summaries for any policy covers you have selected to protect your business. These summaries outline the key information about your policies so you can be confident that you have understood what you have bought and what you are covered for. However, you should carefully read your policy in full and ensure that you understand its terms and conditions in full. If you have any queries, you should contact Hiscox or your insurance advisor. Your side of the bargain Remember, your premium and insurance are based on the details you have provided to us. Please make sure this information accurately reflects your business and that you inform us immediately if anything needs to change. Please also tell us of any changes in circumstances that may affect the services provided by us or the cover provided by your policy. This is particularly important before taking out a policy, but it also applies throughout the life of the policy too. You need to consider: ■if you fail to fairly present the risk to us, including by failing to disclose any information material to the insurance, you could invalidate the policy, claims may not be paid or the amount we pay maybe reduced; ■you should read and check all insurance documents to ensure that you are aware of the cover, limits and other terms that apply; ■if you fail to let us know of any changes to your circumstances during the period of insurance or, if when telling us about such changes you fail to present the risk to us fairly, you could invalidate the policy, claims may not be paid or the amount we pay maybe reduced; ■please be aware of all terms and conditions of your policy because failure to comply with them could invalidate it or result in us not paying a claim or reducing the amount we pay; ■in the event ofa claim, you should take note of the required procedures, such as giving Hiscox prompt notice of the claims, as stated in the policy documentation. In particular, if you fail to notify us when you first become aware ofa shortcoming, fact, or problem, admit you are liable for what has happened or appoint solicitors or other legal representation without our prior written approval, claims or defence costs may not be paid or the amount we pay maybe reduced; ■as with any insurance, you have an obligation to take reasonable steps to mitigate any loss or liability; ■if you make a fraudulent claim or try to deceive us, we may terminate the policy. Policy length The period of insurance is shown on your policy schedule. Your policy schedule will also show if the policy is ona continuing cover basis. If itis ona continuing cover basis, we will renew your policy each year for another 12 months and continue to take payment (including any premium adjustment shown in your renewal invitation) using your existing arrangement, unless you tell us otherwise or if your risk changes. If your policy schedule does not show that the policy is ona continuing cover basis, cover will cease at the end of the period of insurance, unless you renew your policy with us. We will provide you witha statement of fact each year and provided that the information contained within the statement of fact is true, complete and accurate, you do not need to provide us with any further information. If any of the information in your statement of fact is not true, complete and accurate, you must let us know. If you do not let us know, it may affect the validity of the policy or our ability to pay a claim. Retroactive dates, geographical and jurisdiction limits Where any section of your policy schedule includes a retroactive date, we will not make any payment for any claim or loss under that section which arises from any activity performed or any act, incident or occurrence taking place, before the retroactive date. Where any section of your policy schedule shows the geographical limits which apply to that section of the policy, we will only pay for claims and losses under that section which arise from activities performed or acts, incidents or occurrences taking place within those geographical limits. Where any section provides cover in respect of your liability to third parties, we will only cover claims first made ina country within the applicable courts stated in that section of your policy schedule. Hiscox Business Insurance Policy summary JAC-PSC-UK-DC556(5.4) 17431b 07/20 Cancellation rights You can cancel this policy by giving us 30 days' notice. You will only be charged for the premiums due up to the date of cancellation. If we need to cancel the policy, we’ll give you 30 days’ notice in writing and refund any surplus premiums you might have paid. Please note – we may deduct an administration fee from any refunded payment.There is an exception to our 30-day notice period, which is triggered when we don’t receive your Direct Debit payments within the agreed 14-day period. At this point, we will contact you as soon as possible and stop the policyPage / 2 immediately. Underwritten by:Hiscox Underwriting Ltd on behalf of the insurers named in the schedule. Page / 1 Certificate of professional indemnity insurance Bull, Elliott and Humphreys Hiscox Underwriting Ltd of 1 Great St. Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Certificate of professional indemnity Insurance Policy number:WNA38BP.K7 Name of policy holder:Bull, Elliott and Humphreys Period of insurance: From 17/12/2024 to Tuesday 15 September, 2020 both days inclusive. This policy isa Continuing cover policy Insurer: Hiscox Insurance Company Limited Retroactive date: Mon 20 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: 17/12/2024 Insurance details Policy number: WNA38BP.K7 Period of insurance: From 17/12/2024 to Tuesday 15 September, 2020 both days inclusive. This policy isa Continuing cover policy. Insured: Bull, Elliott and Humphreys Address: Flat 72G Adrian highway Port Timothyberg FARNHAM IP2 0DU Additional insureds: None Business: Management Consultants Premium details Charged premium – the total amount you’ll pay for this policy. Charged premium: £9,377.10 Insurance Premium Tax (IPT): £9,535.24 Total charged premium: £4,971.46 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: £9,377.10 Insurance Premium Tax (IPT): £9,535.24 Annual total: £4,971.46 Please note that there will be no refund or additional premium for any transaction which is less than £20 (excluding IPT). Hiscox Business Insurance Policy Schedule 14502 10/18 Summary Claims information If you need to make a claim: - For claims relating to your building or contents please contact our claims team on 0800 247 1902, 9.00am – 5:30pm Monday to Friday. If you wish to make a claim online, you can log most claims quickly and easily through our claims notification portal at https://claims.hiscox.co.uk/. Outside of normal business hours, if you require emergency assistance in relation to substantial damage to your property, you can speak to our 24-hour emergency assistance team using the telephone number above. Your policy schedule will state if property cover is included in your policy. Our out-of-hours emergency assistance team operate ona pay-and-claim basis and you will need to have credit card details available as appropriate. The team will then be able to direct you to essential tradesmen, emergency loss adjusters or disaster management companies in the event of substantial damage. - If there isa claim (or potential claim) against you bya third party, please email us at liability.claims@hiscox.com. If you need to speak to a member of the claims team urgently, please call our team on 0800 711 7156, 9.00am – 5:30pm Monday to Friday. If you wish to make a claim online, you can log most claims quickly and easily through our claims notification portal at https://claims.hiscox.co.uk/. You will need to provide your full name and contact details, the name of your business or organisation, your address and postcode, the policy reference and circumstances of the claim. The Important information and contact details section below contains additional information specific to the covers applicable to your policy. If you are unsure of who to contact please call our team on 0800 711 7156, 9.00am – 5:30pm Monday to Friday. They will ensure you get through to the correct claims team and let you know what actions you need to take. If anything happens that might be covered under the policy, you must comply with the obligations set out in General claims conditions, together with the obligations set out under Your obligations in the section or sections under which you are making the claim. Itis important that you read the policy for details of its terms in full. Your covers This isa summary of each section of your policy. See each section for cover details. Cover Insurance amount Excess Annual Premium (exc IPT) Professional indemnity £1,000,000 £1,000 £3,586.78 Legal protection £100,000 £0 £315.66 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: 17/12/2024 Limit of indemnity £1,000,000 Limit applies to in the aggregate, including all costs Excess £1,000 Excess applies to each and every claim or loss, including all costs Geographical limits Worldwide Applicable courts Worldwide (excluding United States of America and Canada) Claims brought in USA or Canada Not covered Additional covers (in addition to overall limit of indemnity stated above) Cover Limit of indemnity Limit applies to Court attendance compensation - employees £250 per person, per day Court attendance compensation - directors and partners£500 per person, per day Court attendance compensation: in total £100,000 in the aggregate Special limits (included within not in addition to the overall limit of indemnity stated above) Cover Limit of indemnity Limit applies to Personal data claims £250,000 in the aggregate, including all costs Business activities Business managementPage / 2 consultant Retroactive date Mon 20 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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WNA38BP.K7
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(?<=Policy number - )[-\w_\/\.]+?(?= Company name)
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17/12/2024
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(?<=anniversary of your policy is approaching on )[-\w_\/\. ,]+?(?= \.)
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Business
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(?<=time to renew your Hiscox )[-\w_\/\. ]+?(?= Insurance)
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2024-02-05
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hiscox-business-2
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Hiscox Business Insurance - Policy number - TZ-FUO2_LDGI/L2UNECI Company name: Richards-McDonald It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : TZ-FUO2_LDGI/L2UNECI. Company name: Richards-McDonald. Your Hiscox Insurance premium. Last year’s annual premium: This year’s annual premium. £ 3,476.38. £ 3,476.38. The premium includes all applicable insurance premium tax (IPT). Dear Dr Wayne Field. Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 19/08/2024 . Good news; if you want cover to continue with us and to make sure you stay protected by our award-winning cover, you do not need to do anything. We will update your policy onto our latest wording and continue to collect payment using the payment details we have for you. You must read the important information contained in this email and the attached documents. Your Hiscox Insurance Premium breakdown. The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). The amount shown as last year’s Annual premium will take into account any changes to the cover which may have been made during the last policy period. Cover. Last year’s annual premium (exc IPT). This year’s annual Premium (exc IPT). Professional indemnity. £8,536.77. £8,536.77. Legal protection. £8,820.31. £8,820.31. Crisis containment. £0.00. Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy . Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government increase in Insurance Premium Tax as shown. Is our information correct? Your premium and cover are based on what you’ve told us about Richards-McDonald , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay. . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover. Policy summary for each cover. ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover . As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before 19/08/2024 . We’re here between 8:30am - 5:30pm Monday to Friday . Please note that we can only discuss policy changes with people named on the policy. Why renew with Hiscox. - Reassuring: we offer a range of cover options that can be tailored to your needs. - Flexible: we offer full flexibility to change your policy, with no administration fees . - Award-winning cover : we’ve been named Best Small Business Insurer 7 years running by Start Your Business Magazine . Please click this link for the Hiscox Referral Portal: https://refer.aklamio.com/hiscox/uk?source=postpurchase. Thank you again for choosing Hiscox to insure your business. We hope you and your business have a very successful year. Kind regards. Jon Dye. CEO, Hiscox UK. Business Insurance for the small and the brave. To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre. Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. This email and any files transmitted with it are confidential and intended solely for the use of the individual or entity to whom they are addressed. No one else is authorised to distribute, forward, print, copy or act upon any information contained in this email. If you have received this email in error, please notify the sender. Hiscox Syndicates Limited and Hiscox Insurance Company Limited are authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Hiscox Underwriting Limited, Hiscox Underwriting Services Ltd, Hiscox MGA Ltd and Hiscox ASM Ltd are authorised and regulated by the Financial Conduct Authority. Hiscox Assure SAS is duly registered as an insurance broker with the ORIAS, which is the French Official Registry of Insurance Intermediaries. Hiscox plc is a company registered in England and Wales under company registration number 2837811 and registered office at 1 Great St Helen's, London EC3A 6HX. Hiscox SA is a company registered in Luxembourg at 35 Avenue John F. Kennedy 35F, Luxembourg L-1855, and is authorised by the Commissariat aux Assurances de Luxembourg. It’s time to renew your Hiscox Business Insurance Hiscox Insurance policy number : TZ-FUO2_LDGI/L2UNECI Company name: Richards-McDonald . It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : TZ-FUO2_LDGI/L2UNECI Company name: Richards-McDonald . Your Hiscox Insurance premium Last year’s annual premium: This year’s annual premium The premium includes all applicable insurance premium tax (IPT). £ 3,476.38 £ 3,476.38 . Your Hiscox Insurance premium . Last year’s annual premium: This year’s annual premium £ 3,476.38 £ 3,476.38 . The premium includes all applicable insurance premium tax (IPT). Dear Dr Wayne Field . Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 19/08/2024 . Good news; if you want cover to continue with us and to make sure you stay protected by our award-winning cover, you do not need to do anything. We will update your policy onto our latest wording and continue to collect payment using the payment details we have for you. You must read the important information contained in this email and the attached documents Your Hiscox Insurance Premium breakdown The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). The amount shown as last year’s Annual premium will take into account any changes to the cover which may have been made during the last policy period. Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) Professional indemnity £8,536.77 £8,536.77 Legal protection £8,820.31 £8,820.31 Crisis containment £0.00 Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government increase in Insurance Premium Tax as shown. Is our information correct? Your premium and cover are based on what you’ve told us about Richards-McDonald , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover Policy summary for each cover ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before 19/08/2024 . We’re here between 8:30am - 5:30pm Monday to Friday . Please note that we can only discuss policy changes with people named on the policy. Why renew with Hiscox - Reassuring: we offer a range of cover options that can be tailored to your needs - Flexible: we offer full flexibility to change your policy, with no administration fees - Award-winning cover : we’ve been named Best Small Business Insurer 7 years running by Start Your Business Magazine Please click this link for the Hiscox Referral Portal: https://refer.aklamio.com/hiscox/uk?source=postpurchase Thank you again for choosing Hiscox to insure your business. We hope you and your business have a very successful year. Kind regards Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 19/08/2024 . Good news; if you want cover to continue with us and to make sure you stay protected by our award-winning cover, you do not need to do anything. We will update your policy onto our latest wording and continue to collect payment using the payment details we have for you. You must read the important information contained in this email and the attached documents Your Hiscox Insurance Premium breakdown The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). The amount shown as last year’s Annual premium will take into account any changes to the cover which may have been made during the last policy period. Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) Professional indemnity £8,536.77 £8,536.77 Legal protection £8,820.31 £8,820.31 Crisis containment £0.00 Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government increase in Insurance Premium Tax as shown. Is our information correct? Your premium and cover are based on what you’ve told us about Richards-McDonald , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover Policy summary for each cover ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before 19/08/2024 . We’re here between 8:30am - 5:30pm Monday to Friday . Please note that we can only discuss policy changes with people named on the policy. Why renew with Hiscox - Reassuring: we offer a range of cover options that can be tailored to your needs - Flexible: we offer full flexibility to change your policy, with no administration fees - Award-winning cover : we’ve been named Best Small Business Insurer 7 years running by Start Your Business Magazine Please click this link for the Hiscox Referral Portal: https://refer.aklamio.com/hiscox/uk?source=postpurchase Thank you again for choosing Hiscox to insure your business. We hope you and your business have a very successful year. Kind regards Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Your Hiscox Insurance Premium breakdown The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). Cover Professional indemnity Legal protection Crisis containment . Last year’s annual premium (exc IPT) £8,536.77 £8,820.31 £0.00 . This year’s annual Premium (exc IPT) £8,536.77 £8,820.31 . Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) . Professional indemnity £8,536.77 £8,536.77 . Legal protection £8,820.31 £8,820.31 . Crisis containment £0.00 . Kind regards Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre . Kind regards . Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave . To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre . Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Page / 1 Hiscox Business Insurance Policy wording 17431a - DC565 WORDING 04/17Guide to sectionsIntroduction Policy wordings General terms and conditions Professional indemnity for business management consultants Legal protection Crisis containment Hiscox Business Insurance Policy wording 17431a - DC565 WORDING 04/17IntroductionThank you for choosing Hiscox to protect your business. We hope that the language and layout of this policy wording are clear because we want you to understand the insurance we provide as well as the responsibilities we have to each other. Please read this document, including the policy schedule, policy summary and statement of fact, and let us know as soon as possible if any of the details are shown incorrectly. We always try to deliver to the highest standards of service. Your views are important to us, so if you feel that our service is below the standard you would expect from Hiscox, please contact us on the phone number shown in your policy schedule. Please note that some of the words we use in this insurance are shown in bold type. These words are defined in each section of the wording. Page / 1 Hiscox Insurance Payment schedule Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Thank you for continuing to pay for your policy by Direct Debit. Please check these details and let us know if anything is incorrect or if the schedule is not suitable. Your reference details Account holder name: Wayne Field Frequency of collection: Annual Sort code: %BANK_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 July, 2025 £3,476.38 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: TZ-FUO2_LDGI/L2UNECI If you have any questions about your policy or payments, please call us on 0800 280 0351. We’re here between 8:30am - 5:30pm Monday to Friday or you can email us at service@hiscox.co.uk. Using your personal information Hiscox isa trading name ofa number of Hiscox companies. The specific company acting asa data controller of your personal information will be listed in the documentation we provide to you. If you are unsure you can also contact us at anytime by telephoning 01904 681198 or by emailing us at dataprotectionofficer@hiscox.com. We collect and process information about you in order to provide insurance policies and to process claims. Your information is also used for business purposes such as fraud prevention and detection and financial management. This may involve sharing your information with, and obtaining information about you from, our group companies and third parties such as brokers, loss adjusters, credit reference agencies, service providers, professional advisors, our regulators or fraud prevention agencies. We may record telephone calls to help us monitor and improve the service we provide. For further information on how your information is used and your rights in relation to your information please see our privacy policy at www.hiscox.co.uk/cookies-privacy. The Direct Debit Guarantee This Guarantee is offered by all banks and building societies that accept instructions to pay Direct Debits. If there are any changes to the amount, date or frequency of your Direct Debit Hiscox Underwriting Ltd will notify you ten working days in advance of your account being debited or as otherwise agreed. If you request Hiscox Underwriting Ltd to collect a payment, confirmation of the amount and date will be given to you at the time of the request. If an error is made in the payment of your Direct Debit by Hiscox Underwriting Ltd or your bank or building society you are entitled to a full and immediate refund of the amount paid from your bank or building society. – If you receive a refund you are not entitled to, you must pay it back when Hiscox Underwriting Ltd asks you to. You can cancel a Direct Debit at anytime by simply contacting your bank or building society. Written confirmation maybe required. Please also notify us. Page / 1 Hiscox Business Insurance Policy summary JAC-PSC-UK-DC556(5.4) 17431b 07/20 Your Hiscox Business Insurance policy summaries This document contains the summaries for any policy covers you have selected to protect your business. These summaries outline the key information about your policies so you can be confident that you have understood what you have bought and what you are covered for. However, you should carefully read your policy in full and ensure that you understand its terms and conditions in full. If you have any queries, you should contact Hiscox or your insurance advisor. Your side of the bargain Remember, your premium and insurance are based on the details you have provided to us. Please make sure this information accurately reflects your business and that you inform us immediately if anything needs to change. Please also tell us of any changes in circumstances that may affect the services provided by us or the cover provided by your policy. This is particularly important before taking out a policy, but it also applies throughout the life of the policy too. You need to consider: ■if you fail to fairly present the risk to us, including by failing to disclose any information material to the insurance, you could invalidate the policy, claims may not be paid or the amount we pay maybe reduced; ■you should read and check all insurance documents to ensure that you are aware of the cover, limits and other terms that apply; ■if you fail to let us know of any changes to your circumstances during the period of insurance or, if when telling us about such changes you fail to present the risk to us fairly, you could invalidate the policy, claims may not be paid or the amount we pay maybe reduced; ■please be aware of all terms and conditions of your policy because failure to comply with them could invalidate it or result in us not paying a claim or reducing the amount we pay; ■in the event ofa claim, you should take note of the required procedures, such as giving Hiscox prompt notice of the claims, as stated in the policy documentation. In particular, if you fail to notify us when you first become aware ofa shortcoming, fact, or problem, admit you are liable for what has happened or appoint solicitors or other legal representation without our prior written approval, claims or defence costs may not be paid or the amount we pay maybe reduced; ■as with any insurance, you have an obligation to take reasonable steps to mitigate any loss or liability; ■if you make a fraudulent claim or try to deceive us, we may terminate the policy. Policy length The period of insurance is shown on your policy schedule. Your policy schedule will also show if the policy is ona continuing cover basis. If itis ona continuing cover basis, we will renew your policy each year for another 12 months and continue to take payment (including any premium adjustment shown in your renewal invitation) using your existing arrangement, unless you tell us otherwise or if your risk changes. If your policy schedule does not show that the policy is ona continuing cover basis, cover will cease at the end of the period of insurance, unless you renew your policy with us. We will provide you witha statement of fact each year and provided that the information contained within the statement of fact is true, complete and accurate, you do not need to provide us with any further information. If any of the information in your statement of fact is not true, complete and accurate, you must let us know. If you do not let us know, it may affect the validity of the policy or our ability to pay a claim. Retroactive dates, geographical and jurisdiction limits Where any section of your policy schedule includes a retroactive date, we will not make any payment for any claim or loss under that section which arises from any activity performed or any act, incident or occurrence taking place, before the retroactive date. Where any section of your policy schedule shows the geographical limits which apply to that section of the policy, we will only pay for claims and losses under that section which arise from activities performed or acts, incidents or occurrences taking place within those geographical limits. Where any section provides cover in respect of your liability to third parties, we will only cover claims first made ina country within the applicable courts stated in that section of your policy schedule. Hiscox Business Insurance Policy summary JAC-PSC-UK-DC556(5.4) 17431b 07/20 Cancellation rights You can cancel this policy by giving us 30 days' notice. You will only be charged for the premiums due up to the date of cancellation. If we need to cancel the policy, we’ll give you 30 days’ notice in writing and refund any surplus premiums you might have paid. Please note – we may deduct an administration fee from any refunded payment.There is an exception to our 30-day notice period, which is triggered when we don’t receive your Direct Debit payments within the agreed 14-day period. At this point, we will contact you as soon as possible and stop the 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-McDonald Hiscox Underwriting Ltd of 1 Great St. Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Certificate of professional indemnity Insurance Policy number:TZ-FUO2_LDGI/L2UNECI Name of policy holder:Richards-McDonald Period of insurance: From 19/08/2024 to 06/09/20 both days inclusive. This policy isa Continuing cover policy Insurer: Hiscox Insurance Company Limited Retroactive date: 2022-06-25 Level of cover:£1,000,000 Signed on behalf of Hiscox Underwriting Limited as agent for the insurers Jon Dye CEO, Hiscox UK Notes: (a) This insurance is subject to policy terms and conditions and any special terms notified to the InsuredPage / 1 Hiscox Business Insurance Policy Schedule 14502 10/18 This schedule tells you what is insured with us. It should be read carefully with your policy wording(s) and statement of fact detailed elsewhere in this document. Schedule effective date: 19/08/2024 Insurance details Policy number: TZ-FUO2_LDGI/L2UNECI Period of insurance: From 19/08/2024 to 06/09/20 both days inclusive. This policy isa Continuing cover policy. Insured: Richards-McDonald Address: 86 Brett falls Dawntown FARNHAM MK79 5JL Additional insureds: None Business: Management Consultants Premium details Charged premium – the total amount you’ll pay for this policy. Charged premium: £730.14 Insurance Premium Tax (IPT): £3,642.75 Total charged premium: £3,476.38 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: £730.14 Insurance Premium Tax (IPT): £3,642.75 Annual total: £3,476.38 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 £8,536.77 Legal protection £100,000 £0 £8,820.31 Crisis containment £25,000 - £0.00 The figures above are in summary only and are not in addition to the amount insured specified against each cover section below. Hiscox Business Insurance Policy Schedule 14502 10/18 SECTION: PROFESSIONAL INDEMNITY – MANAGEMENT CONSULTANTS Cover start date: 19/08/2024 Limit of indemnity £1,000,000 Limit applies to in the aggregate, including all costs Excess £1,000 Excess applies to each and every claim or loss, including all costs Geographical limits Worldwide Applicable courts Worldwide (excluding United States of America and Canada) Claims brought in USA or Canada Not covered Additional covers (in addition to overall limit of indemnity stated above) Cover Limit of indemnity Limit applies to Court attendance compensation - employees £250 per person, per day Court attendance compensation - directors and partners£500 per person, per day Court attendance compensation: in total £100,000 in the aggregate Special limits (included within not in addition to the overall limit of indemnity stated above) Cover Limit of indemnity Limit applies to Personal data claims £250,000 in the aggregate, including all costs Business activities Business managementPage / 2 consultant Retroactive date 2022-06-25 Insurer Hiscox Insurance Company LimitedPage / 1 Hiscox Insurance Summary of change Introduction This document has been created to help you understand the key changes to your Hiscox Insurance policy and how they may impact you. Your policy continues to offer professional, tailored insurance to protect you and give you peace of mind that if you need us, you will be supported by our award winning claims team. If you have a query not covered by this document, or if you have any questions or concerns about your policy you should contact us. Frequently asked questions What if my circumstances change during the period of insurance? If your circumstances change during the period of insurance, you only need to let us know if the change means that any of the information in the Statement of Fact is no longer true, complete and accurate. If there are no such changes, you do not need to let us know. If any of the information within the Statement of Fact becomes no longer complete, true or accurate at any point during the period of insurance you must tell us as it may affect the validity of the policy or our ability to pay a claim. Additionally, if your contact details change then you should let us know straightaway. Where doI find the limits that apply to my policy? You can find your maximum allowable limits for turnover and wage rollin your Statement of Fact. You must check this information and tell us or your broker if you expect to exceed the maximum amounts shown. Please note these values may have changed. If there are special limits or special excesses applying to particular covers or types of losses these will be shown in the policy schedule. Please check your policy schedule carefully as they may have changed. My new schedule shows a different premium to last year? What has changed? If an underwriter has reviewed your policy then they may have manually adjusted your premium, for example if you’ve had claims in the last 12 months. Where doI find out about any endorsements on my policy? You will be able to see if an endorsement has been applied or removed by reviewing your Policy Schedule. If you have any queries or concerns, please contact us or your broker if you have one. Hiscox Insurance Summary of change Professional indemnity for business management consultants Summary of change Changes to the cover The following table shows the differences between our new policy wordings (5570 WD- PROF-UK-MAN(7), 15579 WD-PROF-UK-MAN-AG(3)) and our previous wordings (5570 WD-PROF-UK-MAN(6), 15579 WD-PROF-UK-MAN-AG(2)). This isa summary of the changes only. You should refer to the schedule and policy wording for the full description of the cover in place. Area of cover Previous policy New policy Improvement in cover Claims against you Advertising claims. We will pay claims arising from your advertising or branding for defamation or infringement of copyright or moral rights. This does not include claims for passing off, unauthorised use of trademarks or false or misleading advertising. Previously cover was not restricted to defamation or the infringement of copyright or moral rights.Covered Amended Your own lossesChanges to ‘what is covered’ Losses from dishonesty. Your losses arising from the dishonesty of your employees, sub-contractors or outsourcers.Covered Not covered Area of cover Previous policy New policy Improvement in cover Cyber incident. We will not pay claims relating to an actual or possible cyber attack, hacker or social engineering communication. Previously we excluded any virus not specifically targeted at your system.Covered Not covered Computer or digital technology error. We will not pay claims arising from any negligent act, error or omission in the operation or maintenance of computer or digital technology such as development, installation, patching or upgrading.Covered Not coveredChanges to ‘what is not covered’ Infrastructure. We will not pay claims arising from the failure of the service provided by internet, telecommunications, utilities or other infrastructure providers.Covered Not covered Hiscox Insurance Summary of change Personal data. We will not pay claims relating to personal data. We will pay such claims where they arise from your performance ofa business activity and which is not otherwise excluded. Subject to the limit shown in the schedule.Covered Not covered Other important changes Control of defence. Under the previous wording we had a duty to defend you against any covered claim brought against you. We now have the right but not the obligation to take control of the conduct of the claim including the appointment of legal representation. Please refer to the policy wording for full details. SOC-PROF-UK-MAN(1) 21367 01/21
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TZ-FUO2_LDGI/L2UNECI
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(?<=Policy number - )[-\w_\/\.]+?(?= Company name)
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19/08/2024
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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 - XNYMMO/IZAY./_J Company name: Taylor Ltd It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : XNYMMO/IZAY./_J. Company name: Taylor Ltd. Your Hiscox Insurance premium. Last year’s annual premium: This year’s annual premium. £ 2,132.29. £ 2,132.29. The premium includes all applicable insurance premium tax (IPT). Dear Mr Mr Dominic Hughes. Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 2023-10-08 . Good news; if you want cover to continue with us and to make sure you stay protected by our award-winning cover, you do not need to do anything. We will update your policy onto our latest wording and continue to collect payment using the payment details we have for you. You must read the important information contained in this email and the attached documents. Your Hiscox Insurance Premium breakdown. The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). The amount shown as last year’s Annual premium will take into account any changes to the cover which may have been made during the last policy period. Cover. Last year’s annual premium (exc IPT). This year’s annual Premium (exc IPT). Professional indemnity. £2,294.94. £2,294.94. Legal protection. £727.02. £727.02. Crisis containment. £0.00. Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy . Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government 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 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 2023-10-08 . We’re here between 8:30am - 5:30pm Monday to Friday . Please note that we can only discuss policy changes with people named on the policy. Why renew with Hiscox. - Reassuring: we offer a range of cover options that can be tailored to your needs. - Flexible: we offer full flexibility to change your policy, with no administration fees . - Award-winning cover : we’ve been named Best Small Business Insurer 7 years running by Start Your Business Magazine . Please click this link for the Hiscox Referral Portal: https://refer.aklamio.com/hiscox/uk?source=postpurchase. Thank you again for choosing Hiscox to insure your business. We hope you and your business have a very successful year. Kind regards. Jon Dye. CEO, Hiscox UK. Business Insurance for the small and the brave. To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre. Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. This email and any files transmitted with it are confidential and intended solely for the use of the individual or entity to whom they are addressed. No one else is authorised to distribute, forward, print, copy or act upon any information contained in this email. If you have received this email in error, please notify the sender. Hiscox Syndicates Limited and Hiscox Insurance Company Limited are authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Hiscox Underwriting Limited, Hiscox Underwriting Services Ltd, Hiscox MGA Ltd and Hiscox ASM Ltd are authorised and regulated by the Financial Conduct Authority. Hiscox Assure SAS is duly registered as an insurance broker with the ORIAS, which is the French Official Registry of Insurance Intermediaries. Hiscox plc is a company registered in England and Wales under company registration number 2837811 and registered office at 1 Great St Helen's, London EC3A 6HX. Hiscox SA is a company registered in Luxembourg at 35 Avenue John F. Kennedy 35F, Luxembourg L-1855, and is authorised by the Commissariat aux Assurances de Luxembourg. It’s time to renew your Hiscox Business Insurance Hiscox Insurance policy number : XNYMMO/IZAY./_J Company name: Taylor Ltd . It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : XNYMMO/IZAY./_J Company name: Taylor Ltd . Your Hiscox Insurance premium Last year’s annual premium: This year’s annual premium The premium includes all applicable insurance premium tax (IPT). £ 2,132.29 £ 2,132.29 . Your Hiscox Insurance premium . Last year’s annual premium: This year’s annual premium £ 2,132.29 £ 2,132.29 . The premium includes all applicable insurance premium tax (IPT). Dear Mr Mr Dominic Hughes . Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 2023-10-08 . Good news; if you want cover to continue with us and to make sure you stay protected by our award-winning cover, you do not need to do anything. We will update your policy onto our latest wording and continue to collect payment using the payment details we have for you. You must read the important information contained in this email and the attached documents Your Hiscox Insurance Premium breakdown The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). The amount shown as last year’s Annual premium will take into account any changes to the cover which may have been made during the last policy period. Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) Professional indemnity £2,294.94 £2,294.94 Legal protection £727.02 £727.02 Crisis containment £0.00 Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government 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 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 2023-10-08 . We’re here between 8:30am - 5:30pm Monday to Friday . Please note that we can only discuss policy changes with people named on the policy. Why renew with Hiscox - Reassuring: we offer a range of cover options that can be tailored to your needs - Flexible: we offer full flexibility to change your policy, with no administration fees - Award-winning cover : we’ve been named Best Small Business Insurer 7 years running by Start Your Business Magazine Please click this link for the Hiscox Referral Portal: https://refer.aklamio.com/hiscox/uk?source=postpurchase Thank you again for choosing Hiscox to insure your business. We hope you and your business have a very successful year. Kind regards Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 2023-10-08 . Good news; if you want cover to continue with us and to make sure you stay protected by our award-winning cover, you do not need to do anything. We will update your policy onto our latest wording and continue to collect payment using the payment details we have for you. You must read the important information contained in this email and the attached documents Your Hiscox Insurance Premium breakdown The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). The amount shown as last year’s Annual premium will take into account any changes to the cover which may have been made during the last policy period. Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) Professional indemnity £2,294.94 £2,294.94 Legal protection £727.02 £727.02 Crisis containment £0.00 Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government 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 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 2023-10-08 . We’re here between 8:30am - 5:30pm Monday to Friday . Please note that we can only discuss policy changes with people named on the policy. Why renew with Hiscox - Reassuring: we offer a range of cover options that can be tailored to your needs - Flexible: we offer full flexibility to change your policy, with no administration fees - Award-winning cover : we’ve been named Best Small Business Insurer 7 years running by Start Your Business Magazine Please click this link for the Hiscox Referral Portal: https://refer.aklamio.com/hiscox/uk?source=postpurchase Thank you again for choosing Hiscox to insure your business. We hope you and your business have a very successful year. Kind regards Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Your Hiscox Insurance Premium breakdown The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). Cover Professional indemnity Legal protection Crisis containment . Last year’s annual premium (exc IPT) £2,294.94 £727.02 £0.00 . This year’s annual Premium (exc IPT) £2,294.94 £727.02 . Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) . Professional indemnity £2,294.94 £2,294.94 . Legal protection £727.02 £727.02 . Crisis containment £0.00 . Kind regards Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre . Kind regards . Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave . To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre . Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Page / 1 Hiscox Business Insurance Policy wording 17431a - DC565 WORDING 04/17Guide to sectionsIntroduction Policy wordings General terms and conditions Professional indemnity for business management consultants Legal protection Crisis containment Hiscox Business Insurance Policy wording 17431a - DC565 WORDING 04/17IntroductionThank you for choosing Hiscox to protect your business. We hope that the language and layout of this policy wording are clear because we want you to understand the insurance we provide as well as the responsibilities we have to each other. Please read this document, including the policy schedule, policy summary and statement of fact, and let us know as soon as possible if any of the details are shown incorrectly. We always try to deliver to the highest standards of service. Your views are important to us, so if you feel that our service is below the standard you would expect from Hiscox, please contact us on the phone number shown in your policy schedule. Please note that some of the words we use in this insurance are shown in bold type. These words are defined in each section of the wording. Page / 1 Hiscox Insurance Payment schedule Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Thank you for continuing to pay for your policy by Direct Debit. Please 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 Dominic Hughes Frequency of collection: Annual Sort code: %BANK_SORT_CODE_1% Account number: %BANK_ACCOUNT_NUMBER_1% Your Direct Debit schedule We will take payments on the dates outlined below: Date Amount Sunday 02 November, 2025 £2,132.29 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: XNYMMO/IZAY./_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 Taylor 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:XNYMMO/IZAY./_J Name of policy holder:Taylor Ltd Period of insurance: From 2023-10-08 to 27/11/23 both days inclusive. This policy isa Continuing cover policy Insurer: Hiscox Insurance Company Limited Retroactive date: Sun 19 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: 2023-10-08 Insurance details Policy number: XNYMMO/IZAY./_J Period of insurance: From 2023-10-08 to 27/11/23 both days inclusive. This policy isa Continuing cover policy. Insured: Taylor Ltd Address: Flat 2 Kyle extensions Ronaldtown FARNHAM HP2 3HJ Additional insureds: None Business: Management Consultants Premium details Charged premium – the total amount you’ll pay for this policy. Charged premium: £2,664.51 Insurance Premium Tax (IPT): £2,012.71 Total charged premium: £2,132.29 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: £2,664.51 Insurance Premium Tax (IPT): £2,012.71 Annual total: £2,132.29 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 £2,294.94 Legal protection £100,000 £0 £727.02 Crisis containment £25,000 - £0.00 The figures above are in summary only and are not in addition to the amount insured specified against each cover section below. Hiscox Business Insurance Policy Schedule 14502 10/18 SECTION: PROFESSIONAL INDEMNITY – MANAGEMENT CONSULTANTS Cover start date: 2023-10-08 Limit of indemnity £1,000,000 Limit applies to in the aggregate, including all costs Excess £1,000 Excess applies to each and every claim or loss, including all costs Geographical limits Worldwide Applicable courts Worldwide (excluding United States of America and Canada) Claims brought in USA or Canada Not covered Additional covers (in addition to overall limit of indemnity stated above) Cover Limit of indemnity Limit applies to Court attendance compensation - employees £250 per person, per day Court attendance compensation - directors and partners£500 per person, per day Court attendance compensation: in total £100,000 in the aggregate Special limits (included within not in addition to the overall limit of indemnity stated above) Cover Limit of indemnity Limit applies to Personal data claims £250,000 in the aggregate, including all costs Business activities Business managementPage / 2 consultant Retroactive date Sun 19 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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XNYMMO/IZAY./_J
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(?<=Policy number - )[-\w_\/\.]+?(?= Company name)
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2023-10-08
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(?<=anniversary of your policy is approaching on )[-\w_\/\. ,]+?(?= \.)
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Business
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(?<=time to renew your Hiscox )[-\w_\/\. ]+?(?= Insurance)
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2024-02-05
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hiscox-business-2
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Hiscox Business Insurance - Policy number - B-DYR6.76T Company name: Fletcher, Bird and Wood It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : B-DYR6.76T. Company name: Fletcher, Bird and Wood. Your Hiscox Insurance premium. Last year’s annual premium: This year’s annual premium. £ 6,520.59. £ 6,520.59. The premium includes all applicable insurance premium tax (IPT). Dear Mrs Mrs Denise Campbell. Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on Sun 05 October, 2025 . Good news; if you want cover to continue with us and to make sure you stay protected by our award-winning cover, you do not need to do anything. We will update your policy onto our latest wording and continue to collect payment using the payment details we have for you. You must read the important information contained in this email and the attached documents. Your Hiscox Insurance Premium breakdown. The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). The amount shown as last year’s Annual premium will take into account any changes to the cover which may have been made during the last policy period. Cover. Last year’s annual premium (exc IPT). This year’s annual Premium (exc IPT). Professional indemnity. £7,766.24. £7,766.24. Legal protection. £2,592.68. £2,592.68. Crisis containment. £0.00. Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy . Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government increase in Insurance Premium Tax as shown. Is our information correct? Your premium and cover are based on what you’ve told us about Fletcher, Bird and Wood , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay. . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover. Policy summary for each cover. ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover . As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before Sun 05 October, 2025 . We’re here between 8:30am - 5:30pm Monday to Friday . Please note that we can only discuss policy changes with people named on the policy. Why renew with Hiscox. - Reassuring: we offer a range of cover options that can be tailored to your needs. - Flexible: we offer full flexibility to change your policy, with no administration fees . - Award-winning cover : we’ve been named Best Small Business Insurer 7 years running by Start Your Business Magazine . Please click this link for the Hiscox Referral Portal: https://refer.aklamio.com/hiscox/uk?source=postpurchase. Thank you again for choosing Hiscox to insure your business. We hope you and your business have a very successful year. Kind regards. Jon Dye. CEO, Hiscox UK. Business Insurance for the small and the brave. To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre. Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. This email and any files transmitted with it are confidential and intended solely for the use of the individual or entity to whom they are addressed. No one else is authorised to distribute, forward, print, copy or act upon any information contained in this email. If you have received this email in error, please notify the sender. Hiscox Syndicates Limited and Hiscox Insurance Company Limited are authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Hiscox Underwriting Limited, Hiscox Underwriting Services Ltd, Hiscox MGA Ltd and Hiscox ASM Ltd are authorised and regulated by the Financial Conduct Authority. Hiscox Assure SAS is duly registered as an insurance broker with the ORIAS, which is the French Official Registry of Insurance Intermediaries. Hiscox plc is a company registered in England and Wales under company registration number 2837811 and registered office at 1 Great St Helen's, London EC3A 6HX. Hiscox SA is a company registered in Luxembourg at 35 Avenue John F. Kennedy 35F, Luxembourg L-1855, and is authorised by the Commissariat aux Assurances de Luxembourg. It’s time to renew your Hiscox Business Insurance Hiscox Insurance policy number : B-DYR6.76T Company name: Fletcher, Bird and Wood . It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : B-DYR6.76T Company name: Fletcher, Bird and Wood . Your Hiscox Insurance premium Last year’s annual premium: This year’s annual premium The premium includes all applicable insurance premium tax (IPT). £ 6,520.59 £ 6,520.59 . Your Hiscox Insurance premium . Last year’s annual premium: This year’s annual premium £ 6,520.59 £ 6,520.59 . The premium includes all applicable insurance premium tax (IPT). Dear Mrs Mrs Denise Campbell . Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on Sun 05 October, 2025 . Good news; if you want cover to continue with us and to make sure you stay protected by our award-winning cover, you do not need to do anything. We will update your policy onto our latest wording and continue to collect payment using the payment details we have for you. You must read the important information contained in this email and the attached documents Your Hiscox Insurance Premium breakdown The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). The amount shown as last year’s Annual premium will take into account any changes to the cover which may have been made during the last policy period. Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) Professional indemnity £7,766.24 £7,766.24 Legal protection £2,592.68 £2,592.68 Crisis containment £0.00 Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government increase in Insurance Premium Tax as shown. Is our information correct? Your premium and cover are based on what you’ve told us about Fletcher, Bird and Wood , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover Policy summary for each cover ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before Sun 05 October, 2025 . We’re here between 8:30am - 5:30pm Monday to Friday . Please note that we can only discuss policy changes with people named on the policy. Why renew with Hiscox - Reassuring: we offer a range of cover options that can be tailored to your needs - Flexible: we offer full flexibility to change your policy, with no administration fees - Award-winning cover : we’ve been named Best Small Business Insurer 7 years running by Start Your Business Magazine Please click this link for the Hiscox Referral Portal: https://refer.aklamio.com/hiscox/uk?source=postpurchase Thank you again for choosing Hiscox to insure your business. We hope you and your business have a very successful year. Kind regards Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on Sun 05 October, 2025 . Good news; if you want cover to continue with us and to make sure you stay protected by our award-winning cover, you do not need to do anything. We will update your policy onto our latest wording and continue to collect payment using the payment details we have for you. You must read the important information contained in this email and the attached documents Your Hiscox Insurance Premium breakdown The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). The amount shown as last year’s Annual premium will take into account any changes to the cover which may have been made during the last policy period. Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) Professional indemnity £7,766.24 £7,766.24 Legal protection £2,592.68 £2,592.68 Crisis containment £0.00 Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government increase in Insurance Premium Tax as shown. Is our information correct? Your premium and cover are based on what you’ve told us about Fletcher, Bird and Wood , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover Policy summary for each cover ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before Sun 05 October, 2025 . We’re here between 8:30am - 5:30pm Monday to Friday . Please note that we can only discuss policy changes with people named on the policy. Why renew with Hiscox - Reassuring: we offer a range of cover options that can be tailored to your needs - Flexible: we offer full flexibility to change your policy, with no administration fees - Award-winning cover : we’ve been named Best Small Business Insurer 7 years running by Start Your Business Magazine Please click this link for the Hiscox Referral Portal: https://refer.aklamio.com/hiscox/uk?source=postpurchase Thank you again for choosing Hiscox to insure your business. We hope you and your business have a very successful year. Kind regards Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Your Hiscox Insurance Premium breakdown The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). Cover Professional indemnity Legal protection Crisis containment . Last year’s annual premium (exc IPT) £7,766.24 £2,592.68 £0.00 . This year’s annual Premium (exc IPT) £7,766.24 £2,592.68 . Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) . Professional indemnity £7,766.24 £7,766.24 . Legal protection £2,592.68 £2,592.68 . Crisis containment £0.00 . Kind regards Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre . Kind regards . Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave . To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre . Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Page / 1 Hiscox Business Insurance Policy wording 17431a - DC565 WORDING 04/17Guide to sectionsIntroduction Policy wordings General terms and conditions Professional indemnity for business management consultants Legal protection Crisis containment Hiscox Business Insurance Policy wording 17431a - DC565 WORDING 04/17IntroductionThank you for choosing Hiscox to protect your business. We hope that the language and layout of this policy wording are clear because we want you to understand the insurance we provide as well as the responsibilities we have to each other. Please read this document, including the policy schedule, policy summary and statement of fact, and let us know as soon as possible if any of the details are shown incorrectly. We always try to deliver to the highest standards of service. Your views are important to us, so if you feel that our service is below the standard you would expect from Hiscox, please contact us on the phone number shown in your policy schedule. Please note that some of the words we use in this insurance are shown in bold type. These words are defined in each section of the wording. Page / 1 Hiscox Insurance Payment schedule Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Thank you for continuing to pay for your policy by Direct Debit. Please check these details and let us know if anything is incorrect or if the schedule is not suitable. Your reference details Account holder name: Mrs Denise Campbell Frequency of collection: Annual Sort code: %BANK_SORT_CODE_1% Account number: %BANK_ACCOUNT_NUMBER_1% Your Direct Debit schedule We will take payments on the dates outlined below: Date Amount 15 November, 2021 £6,520.59 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: B-DYR6.76T If you have any questions about your policy or payments, please call us on 0800 280 0351. We’re here between 8:30am - 5:30pm Monday to Friday or you can email us at service@hiscox.co.uk. Using your personal information Hiscox isa trading name ofa number of Hiscox companies. The specific company acting asa data controller of your personal information will be listed in the documentation we provide to you. If you are unsure you can also contact us at anytime by telephoning 01904 681198 or by emailing us at dataprotectionofficer@hiscox.com. We collect and process information about you in order to provide insurance policies and to process claims. Your information is also used for business purposes such as fraud prevention and detection and financial management. This may involve sharing your information with, and obtaining information about you from, our group companies and third parties such as brokers, loss adjusters, credit reference agencies, service providers, professional advisors, our regulators or fraud prevention agencies. We may record telephone calls to help us monitor and improve the service we provide. For further information on how your information is used and your rights in relation to your information please see our privacy policy at www.hiscox.co.uk/cookies-privacy. The Direct Debit Guarantee This Guarantee is offered by all banks and building societies that accept instructions to pay Direct Debits. If there are any changes to the amount, date or frequency of your Direct Debit Hiscox Underwriting Ltd will notify you ten working days in advance of your account being debited or as otherwise agreed. If you request Hiscox Underwriting Ltd to collect a payment, confirmation of the amount and date will be given to you at the time of the request. If an error is made in the payment of your Direct Debit by Hiscox Underwriting Ltd or your bank or building society you are entitled to a full and immediate refund of the amount paid from your bank or building society. – If you receive a refund you are not entitled to, you must pay it back when Hiscox Underwriting Ltd asks you to. You can cancel a Direct Debit at anytime by simply contacting your bank or building society. Written confirmation maybe required. Please also notify us. Page / 1 Hiscox Business Insurance Policy summary JAC-PSC-UK-DC556(5.4) 17431b 07/20 Your Hiscox Business Insurance policy summaries This document contains the summaries for any policy covers you have selected to protect your business. These summaries outline the key information about your policies so you can be confident that you have understood what you have bought and what you are covered for. However, you should carefully read your policy in full and ensure that you understand its terms and conditions in full. If you have any queries, you should contact Hiscox or your insurance advisor. Your side of the bargain Remember, your premium and insurance are based on the details you have provided to us. Please make sure this information accurately reflects your business and that you inform us immediately if anything needs to change. Please also tell us of any changes in circumstances that may affect the services provided by us or the cover provided by your policy. This is particularly important before taking out a policy, but it also applies throughout the life of the policy too. You need to consider: ■if you fail to fairly present the risk to us, including by failing to disclose any information material to the insurance, you could invalidate the policy, claims may not be paid or the amount we pay maybe reduced; ■you should read and check all insurance documents to ensure that you are aware of the cover, limits and other terms that apply; ■if you fail to let us know of any changes to your circumstances during the period of insurance or, if when telling us about such changes you fail to present the risk to us fairly, you could invalidate the policy, claims may not be paid or the amount we pay maybe reduced; ■please be aware of all terms and conditions of your policy because failure to comply with them could invalidate it or result in us not paying a claim or reducing the amount we pay; ■in the event ofa claim, you should take note of the required procedures, such as giving Hiscox prompt notice of the claims, as stated in the policy documentation. In particular, if you fail to notify us when you first become aware ofa shortcoming, fact, or problem, admit you are liable for what has happened or appoint solicitors or other legal representation without our prior written approval, claims or defence costs may not be paid or the amount we pay maybe reduced; ■as with any insurance, you have an obligation to take reasonable steps to mitigate any loss or liability; ■if you make a fraudulent claim or try to deceive us, we may terminate the policy. Policy length The period of insurance is shown on your policy schedule. Your policy schedule will also show if the policy is ona continuing cover basis. If itis ona continuing cover basis, we will renew your policy each year for another 12 months and continue to take payment (including any premium adjustment shown in your renewal invitation) using your existing arrangement, unless you tell us otherwise or if your risk changes. If your policy schedule does not show that the policy is ona continuing cover basis, cover will cease at the end of the period of insurance, unless you renew your policy with us. We will provide you witha statement of fact each year and provided that the information contained within the statement of fact is true, complete and accurate, you do not need to provide us with any further information. If any of the information in your statement of fact is not true, complete and accurate, you must let us know. If you do not let us know, it may affect the validity of the policy or our ability to pay a claim. Retroactive dates, geographical and jurisdiction limits Where any section of your policy schedule includes a retroactive date, we will not make any payment for any claim or loss under that section which arises from any activity performed or any act, incident or occurrence taking place, before the retroactive date. Where any section of your policy schedule shows the geographical limits which apply to that section of the policy, we will only pay for claims and losses under that section which arise from activities performed or acts, incidents or occurrences taking place within those geographical limits. Where any section provides cover in respect of your liability to third parties, we will only cover claims first made ina country within the applicable courts stated in that section of your policy schedule. Hiscox Business Insurance Policy summary JAC-PSC-UK-DC556(5.4) 17431b 07/20 Cancellation rights You can cancel this policy by giving us 30 days' notice. You will only be charged for the premiums due up to the date of cancellation. If we need to cancel the policy, we’ll give you 30 days’ notice in writing and refund any surplus premiums you might have paid. Please note – we may deduct an administration fee from any refunded payment.There is an exception to our 30-day notice period, which is triggered when we don’t receive your Direct Debit payments within the agreed 14-day period. At this point, we will contact you as soon as possible and stop the policyPage / 2 immediately. Underwritten by:Hiscox Underwriting Ltd on behalf of the insurers named in the schedule. Page / 1 Certificate of professional indemnity insurance Fletcher, Bird and Wood Hiscox Underwriting Ltd of 1 Great St. Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Certificate of professional indemnity Insurance Policy number:B-DYR6.76T Name of policy holder:Fletcher, Bird and Wood Period of insurance: From Sun 05 October, 2025 to Fri 27 September, 2024 both days inclusive. This policy isa Continuing cover policy Insurer: Hiscox Insurance Company Limited Retroactive date: 30 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: Sun 05 October, 2025 Insurance details Policy number: B-DYR6.76T Period of insurance: From Sun 05 October, 2025 to Fri 27 September, 2024 both days inclusive. This policy isa Continuing cover policy. Insured: Fletcher, Bird and Wood Address: Flat 19y Bartlett crossing Port Derek FARNHAM E5 0PP Additional insureds: None Business: Management Consultants Premium details Charged premium – the total amount you’ll pay for this policy. Charged premium: £745.70 Insurance Premium Tax (IPT): £179.14 Total charged premium: £6,520.59 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: £745.70 Insurance Premium Tax (IPT): £179.14 Annual total: £6,520.59 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 £7,766.24 Legal protection £100,000 £0 £2,592.68 Crisis containment £25,000 - £0.00 The figures above are in summary only and are not in addition to the amount insured specified against each cover section below. Hiscox Business Insurance Policy Schedule 14502 10/18 SECTION: PROFESSIONAL INDEMNITY – MANAGEMENT CONSULTANTS Cover start date: Sun 05 October, 2025 Limit of indemnity £1,000,000 Limit applies to in the aggregate, including all costs Excess £1,000 Excess applies to each and every claim or loss, including all costs Geographical limits Worldwide Applicable courts Worldwide (excluding United States of America and Canada) Claims brought in USA or Canada Not covered Additional covers (in addition to overall limit of indemnity stated above) Cover Limit of indemnity Limit applies to Court attendance compensation - employees £250 per person, per day Court attendance compensation - directors and partners£500 per person, per day Court attendance compensation: in total £100,000 in the aggregate Special limits (included within not in addition to the overall limit of indemnity stated above) Cover Limit of indemnity Limit applies to Personal data claims £250,000 in the aggregate, including all costs Business activities Business managementPage / 2 consultant Retroactive date 30 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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B-DYR6.76T
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(?<=Policy number - )[-\w_\/\.]+?(?= Company name)
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Sun 05 October, 2025
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(?<=anniversary of your policy is approaching on )[-\w_\/\. ,]+?(?= \.)
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Business
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(?<=time to renew your Hiscox )[-\w_\/\. ]+?(?= Insurance)
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2024-02-05
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hiscox-business-2
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Hiscox Business Insurance - Policy number - ULKTP/ST_LNMQQU1 Company name: Oliver-Barton It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : ULKTP/ST_LNMQQU1. Company name: Oliver-Barton. Your Hiscox Insurance premium. Last year’s annual premium: This year’s annual premium. £ 7,853.14. £ 7,853.14. The premium includes all applicable insurance premium tax (IPT). Dear Mrs Darren Wright. Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 12/12/24 . Good news; if you want cover to continue with us and to make sure you stay protected by our award-winning cover, you do not need to do anything. We will update your policy onto our latest wording and continue to collect payment using the payment details we have for you. You must read the important information contained in this email and the attached documents. Your Hiscox Insurance Premium breakdown. The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). The amount shown as last year’s Annual premium will take into account any changes to the cover which may have been made during the last policy period. Cover. Last year’s annual premium (exc IPT). This year’s annual Premium (exc IPT). Professional indemnity. £9.14. £9.14. Legal protection. £9,517.20. £9,517.20. 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 Oliver-Barton , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay. . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover. Policy summary for each cover. ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover . As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before 12/12/24 . 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 : ULKTP/ST_LNMQQU1 Company name: Oliver-Barton . It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : ULKTP/ST_LNMQQU1 Company name: Oliver-Barton . Your Hiscox Insurance premium Last year’s annual premium: This year’s annual premium The premium includes all applicable insurance premium tax (IPT). £ 7,853.14 £ 7,853.14 . Your Hiscox Insurance premium . Last year’s annual premium: This year’s annual premium £ 7,853.14 £ 7,853.14 . The premium includes all applicable insurance premium tax (IPT). Dear Mrs Darren Wright . Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 12/12/24 . Good news; if you want cover to continue with us and to make sure you stay protected by our award-winning cover, you do not need to do anything. We will update your policy onto our latest wording and continue to collect payment using the payment details we have for you. You must read the important information contained in this email and the attached documents Your Hiscox Insurance Premium breakdown The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). The amount shown as last year’s Annual premium will take into account any changes to the cover which may have been made during the last policy period. Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) Professional indemnity £9.14 £9.14 Legal protection £9,517.20 £9,517.20 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 Oliver-Barton , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover Policy summary for each cover ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before 12/12/24 . We’re here between 8:30am - 5:30pm Monday to Friday . Please note that we can only discuss policy changes with people named on the policy. Why renew with Hiscox - Reassuring: we offer a range of cover options that can be tailored to your needs - Flexible: we offer full flexibility to change your policy, with no administration fees - Award-winning cover : we’ve been named Best Small Business Insurer 7 years running by Start Your Business Magazine Please click this link for the Hiscox Referral Portal: https://refer.aklamio.com/hiscox/uk?source=postpurchase Thank you again for choosing Hiscox to insure your business. We hope you and your business have a very successful year. Kind regards Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 12/12/24 . Good news; if you want cover to continue with us and to make sure you stay protected by our award-winning cover, you do not need to do anything. We will update your policy onto our latest wording and continue to collect payment using the payment details we have for you. You must read the important information contained in this email and the attached documents Your Hiscox Insurance Premium breakdown The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). The amount shown as last year’s Annual premium will take into account any changes to the cover which may have been made during the last policy period. Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) Professional indemnity £9.14 £9.14 Legal protection £9,517.20 £9,517.20 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 Oliver-Barton , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover Policy summary for each cover ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before 12/12/24 . We’re here between 8:30am - 5:30pm Monday to Friday . Please note that we can only discuss policy changes with people named on the policy. Why renew with Hiscox - Reassuring: we offer a range of cover options that can be tailored to your needs - Flexible: we offer full flexibility to change your policy, with no administration fees - Award-winning cover : we’ve been named Best Small Business Insurer 7 years running by Start Your Business Magazine Please click this link for the Hiscox Referral Portal: https://refer.aklamio.com/hiscox/uk?source=postpurchase Thank you again for choosing Hiscox to insure your business. We hope you and your business have a very successful year. Kind regards Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Your Hiscox Insurance Premium breakdown The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). Cover Professional indemnity Legal protection Crisis containment . Last year’s annual premium (exc IPT) £9.14 £9,517.20 £0.00 . This year’s annual Premium (exc IPT) £9.14 £9,517.20 . Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) . Professional indemnity £9.14 £9.14 . Legal protection £9,517.20 £9,517.20 . 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: Darren Wright Frequency of collection: Annual Sort code: %BANK_SORT_CODE_1% Account number: %BANK_ACCOUNT_NUMBER_1% Your Direct Debit schedule We will take payments on the dates outlined below: Date Amount Sunday 20 April, 2025 £7,853.14 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: ULKTP/ST_LNMQQU1 If you have any questions about your policy or payments, please call us on 0800 280 0351. We’re here between 8:30am - 5:30pm Monday to Friday or you can email us at service@hiscox.co.uk. Using your personal information Hiscox isa trading name ofa number of Hiscox companies. The specific company acting asa data controller of your personal information will be listed in the documentation we provide to you. If you are unsure you can also contact us at anytime by telephoning 01904 681198 or by emailing us at dataprotectionofficer@hiscox.com. We collect and process information about you in order to provide insurance policies and to process claims. Your information is also used for business purposes such as fraud prevention and detection and financial management. This may involve sharing your information with, and obtaining information about you from, our group companies and third parties such as brokers, loss adjusters, credit reference agencies, service providers, professional advisors, our regulators or fraud prevention agencies. We may record telephone calls to help us monitor and improve the service we provide. For further information on how your information is used and your rights in relation to your information please see our privacy policy at www.hiscox.co.uk/cookies-privacy. The Direct Debit Guarantee This Guarantee is offered by all banks and building societies that accept instructions to pay Direct Debits. If there are any changes to the amount, date or frequency of your Direct Debit Hiscox Underwriting Ltd will notify you ten working days in advance of your account being debited or as otherwise agreed. If you request Hiscox Underwriting Ltd to collect a payment, confirmation of the amount and date will be given to you at the time of the request. If an error is made in the payment of your Direct Debit by Hiscox Underwriting Ltd or your bank or building society you are entitled to a full and immediate refund of the amount paid from your bank or building society. – If you receive a refund you are not entitled to, you must pay it back when Hiscox Underwriting Ltd asks you to. You can cancel a Direct Debit at anytime by simply contacting your bank or building society. Written confirmation maybe required. Please also notify us. Page / 1 Hiscox Business Insurance Policy summary JAC-PSC-UK-DC556(5.4) 17431b 07/20 Your Hiscox Business Insurance policy summaries This document contains the summaries for any policy covers you have selected to protect your business. These summaries outline the key information about your policies so you can be confident that you have understood what you have bought and what you are covered for. However, you should carefully read your policy in full and ensure that you understand its terms and conditions in full. If you have any queries, you should contact Hiscox or your insurance advisor. Your side of the bargain Remember, your premium and insurance are based on the details you have provided to us. Please make sure this information accurately reflects your business and that you inform us immediately if anything needs to change. Please also tell us of any changes in circumstances that may affect the services provided by us or the cover provided by your policy. This is particularly important before taking out a policy, but it also applies throughout the life of the policy too. You need to consider: ■if you fail to fairly present the risk to us, including by failing to disclose any information material to the insurance, you could invalidate the policy, claims may not be paid or the amount we pay maybe reduced; ■you should read and check all insurance documents to ensure that you are aware of the cover, limits and other terms that apply; ■if you fail to let us know of any changes to your circumstances during the period of insurance or, if when telling us about such changes you fail to present the risk to us fairly, you could invalidate the policy, claims may not be paid or the amount we pay maybe reduced; ■please be aware of all terms and conditions of your policy because failure to comply with them could invalidate it or result in us not paying a claim or reducing the amount we pay; ■in the event ofa claim, you should take note of the required procedures, such as giving Hiscox prompt notice of the claims, as stated in the policy documentation. In particular, if you fail to notify us when you first become aware ofa shortcoming, fact, or problem, admit you are liable for what has happened or appoint solicitors or other legal representation without our prior written approval, claims or defence costs may not be paid or the amount we pay maybe reduced; ■as with any insurance, you have an obligation to take reasonable steps to mitigate any loss or liability; ■if you make a fraudulent claim or try to deceive us, we may terminate the policy. Policy length The period of insurance is shown on your policy schedule. Your policy schedule will also show if the policy is ona continuing cover basis. If itis ona continuing cover basis, we will renew your policy each year for another 12 months and continue to take payment (including any premium adjustment shown in your renewal invitation) using your existing arrangement, unless you tell us otherwise or if your risk changes. If your policy schedule does not show that the policy is ona continuing cover basis, cover will cease at the end of the period of insurance, unless you renew your policy with us. We will provide you witha statement of fact each year and provided that the information contained within the statement of fact is true, complete and accurate, you do not need to provide us with any further information. If any of the information in your statement of fact is not true, complete and accurate, you must let us know. If you do not let us know, it may affect the validity of the policy or our ability to pay a claim. Retroactive dates, geographical and jurisdiction limits Where any section of your policy schedule includes a retroactive date, we will not make any payment for any claim or loss under that section which arises from any activity performed or any act, incident or occurrence taking place, before the retroactive date. Where any section of your policy schedule shows the geographical limits which apply to that section of the policy, we will only pay for claims and losses under that section which arise from activities performed or acts, incidents or occurrences taking place within those geographical limits. Where any section provides cover in respect of your liability to third parties, we will only cover claims first made ina country within the applicable courts stated in that section of your policy schedule. Hiscox Business Insurance Policy summary JAC-PSC-UK-DC556(5.4) 17431b 07/20 Cancellation rights You can cancel this policy by giving us 30 days' notice. You will only be charged for the premiums due up to the date of cancellation. If we need to cancel the policy, we’ll give you 30 days’ notice in writing and refund any surplus premiums you might have paid. Please note – we may deduct an administration fee from any refunded payment.There is an exception to our 30-day notice period, which is triggered when we don’t receive your Direct Debit payments within the agreed 14-day period. At this point, we will contact you as soon as possible and stop the 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-Barton Hiscox Underwriting Ltd of 1 Great St. Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Certificate of professional indemnity Insurance Policy number:ULKTP/ST_LNMQQU1 Name of policy holder:Oliver-Barton Period of insurance: From 12/12/24 to 04/06/23 both days inclusive. This policy isa Continuing cover policy Insurer: Hiscox Insurance Company Limited Retroactive date: 12/09/2023 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: 12/12/24 Insurance details Policy number: ULKTP/ST_LNMQQU1 Period of insurance: From 12/12/24 to 04/06/23 both days inclusive. This policy isa Continuing cover policy. Insured: Oliver-Barton Address: 195 Humphreys lodge Clarkebury FARNHAM W7A 4ZJ Additional insureds: None Business: Management Consultants Premium details Charged premium – the total amount you’ll pay for this policy. Charged premium: £1,599.79 Insurance Premium Tax (IPT): £5,374.07 Total charged premium: £7,853.14 Annualised premium – the annual premium for this policy. This is given for comparison purposes. Please refer to the charged premium section for the amount you’ll pay for the policy. Annual premium: £1,599.79 Insurance Premium Tax (IPT): £5,374.07 Annual total: £7,853.14 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 £9.14 Legal protection £100,000 £0 £9,517.20 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: 12/12/24 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 12/09/2023 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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ULKTP/ST_LNMQQU1
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(?<=Policy number - )[-\w_\/\.]+?(?= Company name)
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12/12/24
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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 - SKVZK_RMPJE.VT Company name: Smith Inc It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : SKVZK_RMPJE.VT. Company name: Smith Inc. Your Hiscox Insurance premium. Last year’s annual premium: This year’s annual premium. £ 6,479.75. £ 6,479.75. The premium includes all applicable insurance premium tax (IPT). Dear Mr Sara Pratt. Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 12 January, 2023 . Good news; if you want cover to continue with us and to make sure you stay protected by our award-winning cover, you do not need to do anything. We will update your policy onto our latest wording and continue to collect payment using the payment details we have for you. You must read the important information contained in this email and the attached documents. Your Hiscox Insurance Premium breakdown. The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). The amount shown as last year’s Annual premium will take into account any changes to the cover which may have been made during the last policy period. Cover. Last year’s annual premium (exc IPT). This year’s annual Premium (exc IPT). Professional indemnity. £3,393.27. £3,393.27. Legal protection. £9,643.63. £9,643.63. Crisis containment. £0.00. Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy . Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government increase in Insurance Premium Tax as shown. Is our information correct? Your premium and cover are based on what you’ve told us about Smith 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 12 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 : SKVZK_RMPJE.VT Company name: Smith Inc . It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : SKVZK_RMPJE.VT Company name: Smith Inc . Your Hiscox Insurance premium Last year’s annual premium: This year’s annual premium The premium includes all applicable insurance premium tax (IPT). £ 6,479.75 £ 6,479.75 . Your Hiscox Insurance premium . Last year’s annual premium: This year’s annual premium £ 6,479.75 £ 6,479.75 . The premium includes all applicable insurance premium tax (IPT). Dear Mr Sara Pratt . Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 12 January, 2023 . Good news; if you want cover to continue with us and to make sure you stay protected by our award-winning cover, you do not need to do anything. We will update your policy onto our latest wording and continue to collect payment using the payment details we have for you. You must read the important information contained in this email and the attached documents Your Hiscox Insurance Premium breakdown The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). The amount shown as last year’s Annual premium will take into account any changes to the cover which may have been made during the last policy period. Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) Professional indemnity £3,393.27 £3,393.27 Legal protection £9,643.63 £9,643.63 Crisis containment £0.00 Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government increase in Insurance Premium Tax as shown. Is our information correct? Your premium and cover are based on what you’ve told us about Smith 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 12 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 12 January, 2023 . Good news; if you want cover to continue with us and to make sure you stay protected by our award-winning cover, you do not need to do anything. We will update your policy onto our latest wording and continue to collect payment using the payment details we have for you. You must read the important information contained in this email and the attached documents Your Hiscox Insurance Premium breakdown The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). The amount shown as last year’s Annual premium will take into account any changes to the cover which may have been made during the last policy period. Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) Professional indemnity £3,393.27 £3,393.27 Legal protection £9,643.63 £9,643.63 Crisis containment £0.00 Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government increase in Insurance Premium Tax as shown. Is our information correct? Your premium and cover are based on what you’ve told us about Smith 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 12 January, 2023 . We’re here between 8:30am - 5:30pm Monday to Friday . Please note that we can only discuss policy changes with people named on the policy. Why renew with Hiscox - Reassuring: we offer a range of cover options that can be tailored to your needs - Flexible: we offer full flexibility to change your policy, with no administration fees - Award-winning cover : we’ve been named Best Small Business Insurer 7 years running by Start Your Business Magazine Please click this link for the Hiscox Referral Portal: https://refer.aklamio.com/hiscox/uk?source=postpurchase Thank you again for choosing Hiscox to insure your business. We hope you and your business have a very successful year. Kind regards Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Your Hiscox Insurance Premium breakdown The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). Cover Professional indemnity Legal protection Crisis containment . Last year’s annual premium (exc IPT) £3,393.27 £9,643.63 £0.00 . This year’s annual Premium (exc IPT) £3,393.27 £9,643.63 . Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) . Professional indemnity £3,393.27 £3,393.27 . Legal protection £9,643.63 £9,643.63 . Crisis containment £0.00 . Kind regards Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre . Kind regards . Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave . To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre . Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Page / 1 Hiscox Business Insurance Policy wording 17431a - DC565 WORDING 04/17Guide to sectionsIntroduction Policy wordings General terms and conditions Professional indemnity for business management consultants Legal protection Crisis containment Hiscox Business Insurance Policy wording 17431a - DC565 WORDING 04/17IntroductionThank you for choosing Hiscox to protect your business. We hope that the language and layout of this policy wording are clear because we want you to understand the insurance we provide as well as the responsibilities we have to each other. Please read this document, including the policy schedule, policy summary and statement of fact, and let us know as soon as possible if any of the details are shown incorrectly. We always try to deliver to the highest standards of service. Your views are important to us, so if you feel that our service is below the standard you would expect from Hiscox, please contact us on the phone number shown in your policy schedule. Please note that some of the words we use in this insurance are shown in bold type. These words are defined in each section of the wording. Page / 1 Hiscox Insurance Payment schedule Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Thank you for continuing to pay for your policy by Direct Debit. Please check these details and let us know if anything is incorrect or if the schedule is not suitable. Your reference details Account holder name: Sara Pratt Frequency of collection: Annual Sort code: %BANK_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 10 November, 2025 £6,479.75 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: SKVZK_RMPJE.VT If you have any questions about your policy or payments, please call us on 0800 280 0351. We’re here between 8:30am - 5:30pm Monday to Friday or you can email us at service@hiscox.co.uk. Using your personal information Hiscox isa trading name ofa number of Hiscox companies. The specific company acting asa data controller of your personal information will be listed in the documentation we provide to you. If you are unsure you can also contact us at anytime by telephoning 01904 681198 or by emailing us at dataprotectionofficer@hiscox.com. We collect and process information about you in order to provide insurance policies and to process claims. Your information is also used for business purposes such as fraud prevention and detection and financial management. This may involve sharing your information with, and obtaining information about you from, our group companies and third parties such as brokers, loss adjusters, credit reference agencies, service providers, professional advisors, our regulators or fraud prevention agencies. We may record telephone calls to help us monitor and improve the service we provide. For further information on how your information is used and your rights in relation to your information please see our privacy policy at www.hiscox.co.uk/cookies-privacy. The Direct Debit Guarantee This Guarantee is offered by all banks and building societies that accept instructions to pay Direct Debits. If there are any changes to the amount, date or frequency of your Direct Debit Hiscox Underwriting Ltd will notify you ten working days in advance of your account being debited or as otherwise agreed. If you request Hiscox Underwriting Ltd to collect a payment, confirmation of the amount and date will be given to you at the time of the request. If an error is made in the payment of your Direct Debit by Hiscox Underwriting Ltd or your bank or building society you are entitled to a full and immediate refund of the amount paid from your bank or building society. – If you receive a refund you are not entitled to, you must pay it back when Hiscox Underwriting Ltd asks you to. You can cancel a Direct Debit at anytime by simply contacting your bank or building society. Written confirmation maybe required. Please also notify us. Page / 1 Hiscox Business Insurance Policy summary JAC-PSC-UK-DC556(5.4) 17431b 07/20 Your Hiscox Business Insurance policy summaries This document contains the summaries for any policy covers you have selected to protect your business. These summaries outline the key information about your policies so you can be confident that you have understood what you have bought and what you are covered for. However, you should carefully read your policy in full and ensure that you understand its terms and conditions in full. If you have any queries, you should contact Hiscox or your insurance advisor. Your side of the bargain Remember, your premium and insurance are based on the details you have provided to us. Please make sure this information accurately reflects your business and that you inform us immediately if anything needs to change. Please also tell us of any changes in circumstances that may affect the services provided by us or the cover provided by your policy. This is particularly important before taking out a policy, but it also applies throughout the life of the policy too. You need to consider: ■if you fail to fairly present the risk to us, including by failing to disclose any information material to the insurance, you could invalidate the policy, claims may not be paid or the amount we pay maybe reduced; ■you should read and check all insurance documents to ensure that you are aware of the cover, limits and other terms that apply; ■if you fail to let us know of any changes to your circumstances during the period of insurance or, if when telling us about such changes you fail to present the risk to us fairly, you could invalidate the policy, claims may not be paid or the amount we pay maybe reduced; ■please be aware of all terms and conditions of your policy because failure to comply with them could invalidate it or result in us not paying a claim or reducing the amount we pay; ■in the event ofa claim, you should take note of the required procedures, such as giving Hiscox prompt notice of the claims, as stated in the policy documentation. In particular, if you fail to notify us when you first become aware ofa shortcoming, fact, or problem, admit you are liable for what has happened or appoint solicitors or other legal representation without our prior written approval, claims or defence costs may not be paid or the amount we pay maybe reduced; ■as with any insurance, you have an obligation to take reasonable steps to mitigate any loss or liability; ■if you make a fraudulent claim or try to deceive us, we may terminate the policy. Policy length The period of insurance is shown on your policy schedule. Your policy schedule will also show if the policy is ona continuing cover basis. If itis ona continuing cover basis, we will renew your policy each year for another 12 months and continue to take payment (including any premium adjustment shown in your renewal invitation) using your existing arrangement, unless you tell us otherwise or if your risk changes. If your policy schedule does not show that the policy is ona continuing cover basis, cover will cease at the end of the period of insurance, unless you renew your policy with us. We will provide you witha statement of fact each year and provided that the information contained within the statement of fact is true, complete and accurate, you do not need to provide us with any further information. If any of the information in your statement of fact is not true, complete and accurate, you must let us know. If you do not let us know, it may affect the validity of the policy or our ability to pay a claim. Retroactive dates, geographical and jurisdiction limits Where any section of your policy schedule includes a retroactive date, we will not make any payment for any claim or loss under that section which arises from any activity performed or any act, incident or occurrence taking place, before the retroactive date. Where any section of your policy schedule shows the geographical limits which apply to that section of the policy, we will only pay for claims and losses under that section which arise from activities performed or acts, incidents or occurrences taking place within those geographical limits. Where any section provides cover in respect of your liability to third parties, we will only cover claims first made ina country within the applicable courts stated in that section of your policy schedule. Hiscox Business Insurance Policy summary JAC-PSC-UK-DC556(5.4) 17431b 07/20 Cancellation rights You can cancel this policy by giving us 30 days' notice. You will only be charged for the premiums due up to the date of cancellation. If we need to cancel the policy, we’ll give you 30 days’ notice in writing and refund any surplus premiums you might have paid. Please note – we may deduct an administration fee from any refunded payment.There is an exception to our 30-day notice period, which is triggered when we don’t receive your Direct Debit payments within the agreed 14-day period. At this point, we will contact you as soon as possible and stop the 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 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:SKVZK_RMPJE.VT Name of policy holder:Smith Inc Period of insurance: From 12 January, 2023 to Tuesday 23 March, 2021 both days inclusive. This policy isa Continuing cover policy Insurer: Hiscox Insurance Company Limited Retroactive date: 31 October, 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: 12 January, 2023 Insurance details Policy number: SKVZK_RMPJE.VT Period of insurance: From 12 January, 2023 to Tuesday 23 March, 2021 both days inclusive. This policy isa Continuing cover policy. Insured: Smith Inc Address: 3 Gemma common Craigfort FARNHAM GU93 4JT Additional insureds: None Business: Management Consultants Premium details Charged premium – the total amount you’ll pay for this policy. Charged premium: £1,179.59 Insurance Premium Tax (IPT): £9,294.19 Total charged premium: £6,479.75 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: £1,179.59 Insurance Premium Tax (IPT): £9,294.19 Annual total: £6,479.75 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 £3,393.27 Legal protection £100,000 £0 £9,643.63 Crisis containment £25,000 - £0.00 The figures above are in summary only and are not in addition to the amount insured specified against each cover section below. Hiscox Business Insurance Policy Schedule 14502 10/18 SECTION: PROFESSIONAL INDEMNITY – MANAGEMENT CONSULTANTS Cover start date: 12 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 31 October, 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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SKVZK_RMPJE.VT
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12 January, 2023
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2024-02-05
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hiscox-business-2
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Hiscox Business Insurance - Policy number - 8CICDB60X Company name: Turner, Miles and Davison It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : 8CICDB60X. Company name: Turner, Miles and Davison. Your Hiscox Insurance premium. Last year’s annual premium: This year’s annual premium. £ 8,932.80. £ 8,932.80. The premium includes all applicable insurance premium tax (IPT). Dear Mr Helen Mills. Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 15/04/19 . Good news; if you want cover to continue with us and to make sure you stay protected by our award-winning cover, you do not need to do anything. We will update your policy onto our latest wording and continue to collect payment using the payment details we have for you. You must read the important information contained in this email and the attached documents. Your Hiscox Insurance Premium breakdown. The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). The amount shown as last year’s Annual premium will take into account any changes to the cover which may have been made during the last policy period. Cover. Last year’s annual premium (exc IPT). This year’s annual Premium (exc IPT). Professional indemnity. £3,786.19. £3,786.19. Legal protection. £835.37. £835.37. Crisis containment. £0.00. Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy . Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government increase in Insurance Premium Tax as shown. Is our information correct? Your premium and cover are based on what you’ve told us about Turner, Miles and Davison , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay. . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover. Policy summary for each cover. ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover . As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before 15/04/19 . 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 : 8CICDB60X Company name: Turner, Miles and Davison . It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : 8CICDB60X Company name: Turner, Miles and Davison . Your Hiscox Insurance premium Last year’s annual premium: This year’s annual premium The premium includes all applicable insurance premium tax (IPT). £ 8,932.80 £ 8,932.80 . Your Hiscox Insurance premium . Last year’s annual premium: This year’s annual premium £ 8,932.80 £ 8,932.80 . The premium includes all applicable insurance premium tax (IPT). Dear Mr Helen Mills . Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 15/04/19 . Good news; if you want cover to continue with us and to make sure you stay protected by our award-winning cover, you do not need to do anything. We will update your policy onto our latest wording and continue to collect payment using the payment details we have for you. You must read the important information contained in this email and the attached documents Your Hiscox Insurance Premium breakdown The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). The amount shown as last year’s Annual premium will take into account any changes to the cover which may have been made during the last policy period. Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) Professional indemnity £3,786.19 £3,786.19 Legal protection £835.37 £835.37 Crisis containment £0.00 Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government increase in Insurance Premium Tax as shown. Is our information correct? Your premium and cover are based on what you’ve told us about Turner, Miles and Davison , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover Policy summary for each cover ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before 15/04/19 . 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 15/04/19 . Good news; if you want cover to continue with us and to make sure you stay protected by our award-winning cover, you do not need to do anything. We will update your policy onto our latest wording and continue to collect payment using the payment details we have for you. You must read the important information contained in this email and the attached documents Your Hiscox Insurance Premium breakdown The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). The amount shown as last year’s Annual premium will take into account any changes to the cover which may have been made during the last policy period. Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) Professional indemnity £3,786.19 £3,786.19 Legal protection £835.37 £835.37 Crisis containment £0.00 Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government increase in Insurance Premium Tax as shown. Is our information correct? Your premium and cover are based on what you’ve told us about Turner, Miles and Davison , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover Policy summary for each cover ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before 15/04/19 . 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) £3,786.19 £835.37 £0.00 . This year’s annual Premium (exc IPT) £3,786.19 £835.37 . Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) . Professional indemnity £3,786.19 £3,786.19 . Legal protection £835.37 £835.37 . Crisis containment £0.00 . Kind regards Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre . Kind regards . Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave . To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre . Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Page / 1 Hiscox Business Insurance Policy wording 17431a - DC565 WORDING 04/17Guide to sectionsIntroduction Policy wordings General terms and conditions Professional indemnity for business management consultants Legal protection Crisis containment Hiscox Business Insurance Policy wording 17431a - DC565 WORDING 04/17IntroductionThank you for choosing Hiscox to protect your business. We hope that the language and layout of this policy wording are clear because we want you to understand the insurance we provide as well as the responsibilities we have to each other. Please read this document, including the policy schedule, policy summary and statement of fact, and let us know as soon as possible if any of the details are shown incorrectly. We always try to deliver to the highest standards of service. Your views are important to us, so if you feel that our service is below the standard you would expect from Hiscox, please contact us on the phone number shown in your policy schedule. Please note that some of the words we use in this insurance are shown in bold type. These words are defined in each section of the wording. Page / 1 Hiscox Insurance Payment schedule Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Thank you for continuing to pay for your policy by Direct Debit. Please check these details and let us know if anything is incorrect or if the schedule is not suitable. Your reference details Account holder name: Helen Mills Frequency of collection: Annual Sort code: %BANK_SORT_CODE_1% Account number: %BANK_ACCOUNT_NUMBER_1% Your Direct Debit schedule We will take payments on the dates outlined below: Date Amount 06 June, 2023 £8,932.80 Where your chosen collection date falls ona non-working day then we will endeavour to collect the next working day. For your information, the collections will be made using the following reference number: Originator Identification Number: 293461 Reference Number: 8CICDB60X If you have any questions about your policy or payments, please call us on 0800 280 0351. We’re here between 8:30am - 5:30pm Monday to Friday or you can email us at service@hiscox.co.uk. Using your personal information Hiscox isa trading name ofa number of Hiscox companies. The specific company acting asa data controller of your personal information will be listed in the documentation we provide to you. If you are unsure you can also contact us at anytime by telephoning 01904 681198 or by emailing us at dataprotectionofficer@hiscox.com. We collect and process information about you in order to provide insurance policies and to process claims. Your information is also used for business purposes such as fraud prevention and detection and financial management. This may involve sharing your information with, and obtaining information about you from, our group companies and third parties such as brokers, loss adjusters, credit reference agencies, service providers, professional advisors, our regulators or fraud prevention agencies. We may record telephone calls to help us monitor and improve the service we provide. For further information on how your information is used and your rights in relation to your information please see our privacy policy at www.hiscox.co.uk/cookies-privacy. The Direct Debit Guarantee This Guarantee is offered by all banks and building societies that accept instructions to pay Direct Debits. If there are any changes to the amount, date or frequency of your Direct Debit Hiscox Underwriting Ltd will notify you ten working days in advance of your account being debited or as otherwise agreed. If you request Hiscox Underwriting Ltd to collect a payment, confirmation of the amount and date will be given to you at the time of the request. If an error is made in the payment of your Direct Debit by Hiscox Underwriting Ltd or your bank or building society you are entitled to a full and immediate refund of the amount paid from your bank or building society. – If you receive a refund you are not entitled to, you must pay it back when Hiscox Underwriting Ltd asks you to. You can cancel a Direct Debit at anytime by simply contacting your bank or building society. Written confirmation maybe required. Please also notify us. Page / 1 Hiscox Business Insurance Policy summary JAC-PSC-UK-DC556(5.4) 17431b 07/20 Your Hiscox Business Insurance policy summaries This document contains the summaries for any policy covers you have selected to protect your business. These summaries outline the key information about your policies so you can be confident that you have understood what you have bought and what you are covered for. However, you should carefully read your policy in full and ensure that you understand its terms and conditions in full. If you have any queries, you should contact Hiscox or your insurance advisor. Your side of the bargain Remember, your premium and insurance are based on the details you have provided to us. Please make sure this information accurately reflects your business and that you inform us immediately if anything needs to change. Please also tell us of any changes in circumstances that may affect the services provided by us or the cover provided by your policy. This is particularly important before taking out a policy, but it also applies throughout the life of the policy too. You need to consider: ■if you fail to fairly present the risk to us, including by failing to disclose any information material to the insurance, you could invalidate the policy, claims may not be paid or the amount we pay maybe reduced; ■you should read and check all insurance documents to ensure that you are aware of the cover, limits and other terms that apply; ■if you fail to let us know of any changes to your circumstances during the period of insurance or, if when telling us about such changes you fail to present the risk to us fairly, you could invalidate the policy, claims may not be paid or the amount we pay maybe reduced; ■please be aware of all terms and conditions of your policy because failure to comply with them could invalidate it or result in us not paying a claim or reducing the amount we pay; ■in the event ofa claim, you should take note of the required procedures, such as giving Hiscox prompt notice of the claims, as stated in the policy documentation. In particular, if you fail to notify us when you first become aware ofa shortcoming, fact, or problem, admit you are liable for what has happened or appoint solicitors or other legal representation without our prior written approval, claims or defence costs may not be paid or the amount we pay maybe reduced; ■as with any insurance, you have an obligation to take reasonable steps to mitigate any loss or liability; ■if you make a fraudulent claim or try to deceive us, we may terminate the policy. Policy length The period of insurance is shown on your policy schedule. Your policy schedule will also show if the policy is ona continuing cover basis. If itis ona continuing cover basis, we will renew your policy each year for another 12 months and continue to take payment (including any premium adjustment shown in your renewal invitation) using your existing arrangement, unless you tell us otherwise or if your risk changes. If your policy schedule does not show that the policy is ona continuing cover basis, cover will cease at the end of the period of insurance, unless you renew your policy with us. We will provide you witha statement of fact each year and provided that the information contained within the statement of fact is true, complete and accurate, you do not need to provide us with any further information. If any of the information in your statement of fact is not true, complete and accurate, you must let us know. If you do not let us know, it may affect the validity of the policy or our ability to pay a claim. Retroactive dates, geographical and jurisdiction limits Where any section of your policy schedule includes a retroactive date, we will not make any payment for any claim or loss under that section which arises from any activity performed or any act, incident or occurrence taking place, before the retroactive date. Where any section of your policy schedule shows the geographical limits which apply to that section of the policy, we will only pay for claims and losses under that section which arise from activities performed or acts, incidents or occurrences taking place within those geographical limits. Where any section provides cover in respect of your liability to third parties, we will only cover claims first made ina country within the applicable courts stated in that section of your policy schedule. Hiscox Business Insurance Policy summary JAC-PSC-UK-DC556(5.4) 17431b 07/20 Cancellation rights You can cancel this policy by giving us 30 days' notice. You will only be charged for the premiums due up to the date of cancellation. If we need to cancel the policy, we’ll give you 30 days’ notice in writing and refund any surplus premiums you might have paid. Please note – we may deduct an administration fee from any refunded payment.There is an exception to our 30-day notice period, which is triggered when we don’t receive your Direct Debit payments within the agreed 14-day period. At this point, we will contact you as soon as possible and stop the policyPage / 2 immediately. Underwritten by:Hiscox Underwriting Ltd on behalf of the insurers named in the schedule. Page / 1 Certificate of professional indemnity insurance Turner, Miles and Davison Hiscox Underwriting Ltd of 1 Great St. Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Certificate of professional indemnity Insurance Policy number:8CICDB60X Name of policy holder:Turner, Miles and Davison Period of insurance: From 15/04/19 to 16/03/23 both days inclusive. This policy isa Continuing cover policy Insurer: Hiscox Insurance Company Limited Retroactive date: 30 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: 15/04/19 Insurance details Policy number: 8CICDB60X Period of insurance: From 15/04/19 to 16/03/23 both days inclusive. This policy isa Continuing cover policy. Insured: Turner, Miles and Davison Address: Studio 81D Joyce courts O'Donnellfort FARNHAM NG4 0RW Additional insureds: None Business: Management Consultants Premium details Charged premium – the total amount you’ll pay for this policy. Charged premium: £5,339.18 Insurance Premium Tax (IPT): £4,974.87 Total charged premium: £8,932.80 Annualised premium – the annual premium for this policy. This is given for comparison purposes. Please refer to the charged premium section for the amount you’ll pay for the policy. Annual premium: £5,339.18 Insurance Premium Tax (IPT): £4,974.87 Annual total: £8,932.80 Please note that there will be no refund or additional premium for any transaction which is less than £20 (excluding IPT). Hiscox Business Insurance Policy Schedule 14502 10/18 Summary Claims information If you need to make a claim: - For claims relating to your building or contents please contact our claims team on 0800 247 1902, 9.00am – 5:30pm Monday to Friday. If you wish to make a claim online, you can log most claims quickly and easily through our claims notification portal at https://claims.hiscox.co.uk/. Outside of normal business hours, if you require emergency assistance in relation to substantial damage to your property, you can speak to our 24-hour emergency assistance team using the telephone number above. Your policy schedule will state if property cover is included in your policy. Our out-of-hours emergency assistance team operate ona pay-and-claim basis and you will need to have credit card details available as appropriate. The team will then be able to direct you to essential tradesmen, emergency loss adjusters or disaster management companies in the event of substantial damage. - If there isa claim (or potential claim) against you bya third party, please email us at liability.claims@hiscox.com. If you need to speak to a member of the claims team urgently, please call our team on 0800 711 7156, 9.00am – 5:30pm Monday to Friday. If you wish to make a claim online, you can log most claims quickly and easily through our claims notification portal at https://claims.hiscox.co.uk/. You will need to provide your full name and contact details, the name of your business or organisation, your address and postcode, the policy reference and circumstances of the claim. The Important information and contact details section below contains additional information specific to the covers applicable to your policy. If you are unsure of who to contact please call our team on 0800 711 7156, 9.00am – 5:30pm Monday to Friday. They will ensure you get through to the correct claims team and let you know what actions you need to take. If anything happens that might be covered under the policy, you must comply with the obligations set out in General claims conditions, together with the obligations set out under Your obligations in the section or sections under which you are making the claim. Itis important that you read the policy for details of its terms in full. Your covers This isa summary of each section of your policy. See each section for cover details. Cover Insurance amount Excess Annual Premium (exc IPT) Professional indemnity £1,000,000 £1,000 £3,786.19 Legal protection £100,000 £0 £835.37 Crisis containment £25,000 - £0.00 The figures above are in summary only and are not in addition to the amount insured specified against each cover section below. Hiscox Business Insurance Policy Schedule 14502 10/18 SECTION: PROFESSIONAL INDEMNITY – MANAGEMENT CONSULTANTS Cover start date: 15/04/19 Limit of indemnity £1,000,000 Limit applies to in the aggregate, including all costs Excess £1,000 Excess applies to each and every claim or loss, including all costs Geographical limits Worldwide Applicable courts Worldwide (excluding United States of America and Canada) Claims brought in USA or Canada Not covered Additional covers (in addition to overall limit of indemnity stated above) Cover Limit of indemnity Limit applies to Court attendance compensation - employees £250 per person, per day Court attendance compensation - directors and partners£500 per person, per day Court attendance compensation: in total £100,000 in the aggregate Special limits (included within not in addition to the overall limit of indemnity stated above) Cover Limit of indemnity Limit applies to Personal data claims £250,000 in the aggregate, including all costs Business activities Business managementPage / 2 consultant Retroactive date 30 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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8CICDB60X
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(?<=Policy number - )[-\w_\/\.]+?(?= Company name)
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15/04/19
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(?<=anniversary of your policy is approaching on )[-\w_\/\. ,]+?(?= \.)
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Business
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(?<=time to renew your Hiscox )[-\w_\/\. ]+?(?= Insurance)
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2024-02-05
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hiscox-business-2
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Hiscox Business Insurance - Policy number - 3NMS/6U95ONMDT24MA Company name: Owen, Green and Oliver It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : 3NMS/6U95ONMDT24MA. Company name: Owen, Green and Oliver. Your Hiscox Insurance premium. Last year’s annual premium: This year’s annual premium. £ 7,013.87. £ 7,013.87. The premium includes all applicable insurance premium tax (IPT). Dear Mr Paul Davidson. Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 11/10/2024 . 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. £423.25. £423.25. Legal protection. £9,957.35. £9,957.35. 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 Owen, Green and Oliver , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay. . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover. Policy summary for each cover. ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover . As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before 11/10/2024 . 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 : 3NMS/6U95ONMDT24MA Company name: Owen, Green and Oliver . It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : 3NMS/6U95ONMDT24MA Company name: Owen, Green and Oliver . Your Hiscox Insurance premium Last year’s annual premium: This year’s annual premium The premium includes all applicable insurance premium tax (IPT). £ 7,013.87 £ 7,013.87 . Your Hiscox Insurance premium . Last year’s annual premium: This year’s annual premium £ 7,013.87 £ 7,013.87 . The premium includes all applicable insurance premium tax (IPT). Dear Mr Paul Davidson . Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 11/10/2024 . 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 £423.25 £423.25 Legal protection £9,957.35 £9,957.35 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 Owen, Green and Oliver , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover Policy summary for each cover ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before 11/10/2024 . 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 11/10/2024 . 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 £423.25 £423.25 Legal protection £9,957.35 £9,957.35 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 Owen, Green and Oliver , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover Policy summary for each cover ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before 11/10/2024 . 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) £423.25 £9,957.35 £0.00 . This year’s annual Premium (exc IPT) £423.25 £9,957.35 . Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) . Professional indemnity £423.25 £423.25 . Legal protection £9,957.35 £9,957.35 . 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: Paul Davidson Frequency of collection: Annual Sort code: %BANK_SORT_CODE_1% Account number: %BANK_ACCOUNT_NUMBER_1% Your Direct Debit schedule We will take payments on the dates outlined below: Date Amount 30/11/21 £7,013.87 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: 3NMS/6U95ONMDT24MA If you have any questions about your policy or payments, please call us on 0800 280 0351. We’re here between 8:30am - 5:30pm Monday to Friday or you can email us at service@hiscox.co.uk. Using your personal information Hiscox isa trading name ofa number of Hiscox companies. The specific company acting asa data controller of your personal information will be listed in the documentation we provide to you. If you are unsure you can also contact us at anytime by telephoning 01904 681198 or by emailing us at dataprotectionofficer@hiscox.com. We collect and process information about you in order to provide insurance policies and to process claims. Your information is also used for business purposes such as fraud prevention and detection and financial management. This may involve sharing your information with, and obtaining information about you from, our group companies and third parties such as brokers, loss adjusters, credit reference agencies, service providers, professional advisors, our regulators or fraud prevention agencies. We may record telephone calls to help us monitor and improve the service we provide. For further information on how your information is used and your rights in relation to your information please see our privacy policy at www.hiscox.co.uk/cookies-privacy. The Direct Debit Guarantee This Guarantee is offered by all banks and building societies that accept instructions to pay Direct Debits. If there are any changes to the amount, date or frequency of your Direct Debit Hiscox Underwriting Ltd will notify you ten working days in advance of your account being debited or as otherwise agreed. If you request Hiscox Underwriting Ltd to collect a payment, confirmation of the amount and date will be given to you at the time of the request. If an error is made in the payment of your Direct Debit by Hiscox Underwriting Ltd or your bank or building society you are entitled to a full and immediate refund of the amount paid from your bank or building society. – If you receive a refund you are not entitled to, you must pay it back when Hiscox Underwriting Ltd asks you to. You can cancel a Direct Debit at anytime by simply contacting your bank or building society. Written confirmation maybe required. Please also notify us. Page / 1 Hiscox Business Insurance Policy summary JAC-PSC-UK-DC556(5.4) 17431b 07/20 Your Hiscox Business Insurance policy summaries This document contains the summaries for any policy covers you have selected to protect your business. These summaries outline the key information about your policies so you can be confident that you have understood what you have bought and what you are covered for. However, you should carefully read your policy in full and ensure that you understand its terms and conditions in full. If you have any queries, you should contact Hiscox or your insurance advisor. Your side of the bargain Remember, your premium and insurance are based on the details you have provided to us. Please make sure this information accurately reflects your business and that you inform us immediately if anything needs to change. Please also tell us of any changes in circumstances that may affect the services provided by us or the cover provided by your policy. This is particularly important before taking out a policy, but it also applies throughout the life of the policy too. You need to consider: ■if you fail to fairly present the risk to us, including by failing to disclose any information material to the insurance, you could invalidate the policy, claims may not be paid or the amount we pay maybe reduced; ■you should read and check all insurance documents to ensure that you are aware of the cover, limits and other terms that apply; ■if you fail to let us know of any changes to your circumstances during the period of insurance or, if when telling us about such changes you fail to present the risk to us fairly, you could invalidate the policy, claims may not be paid or the amount we pay maybe reduced; ■please be aware of all terms and conditions of your policy because failure to comply with them could invalidate it or result in us not paying a claim or reducing the amount we pay; ■in the event ofa claim, you should take note of the required procedures, such as giving Hiscox prompt notice of the claims, as stated in the policy documentation. In particular, if you fail to notify us when you first become aware ofa shortcoming, fact, or problem, admit you are liable for what has happened or appoint solicitors or other legal representation without our prior written approval, claims or defence costs may not be paid or the amount we pay maybe reduced; ■as with any insurance, you have an obligation to take reasonable steps to mitigate any loss or liability; ■if you make a fraudulent claim or try to deceive us, we may terminate the policy. Policy length The period of insurance is shown on your policy schedule. Your policy schedule will also show if the policy is ona continuing cover basis. If itis ona continuing cover basis, we will renew your policy each year for another 12 months and continue to take payment (including any premium adjustment shown in your renewal invitation) using your existing arrangement, unless you tell us otherwise or if your risk changes. If your policy schedule does not show that the policy is ona continuing cover basis, cover will cease at the end of the period of insurance, unless you renew your policy with us. We will provide you witha statement of fact each year and provided that the information contained within the statement of fact is true, complete and accurate, you do not need to provide us with any further information. If any of the information in your statement of fact is not true, complete and accurate, you must let us know. If you do not let us know, it may affect the validity of the policy or our ability to pay a claim. Retroactive dates, geographical and jurisdiction limits Where any section of your policy schedule includes a retroactive date, we will not make any payment for any claim or loss under that section which arises from any activity performed or any act, incident or occurrence taking place, before the retroactive date. Where any section of your policy schedule shows the geographical limits which apply to that section of the policy, we will only pay for claims and losses under that section which arise from activities performed or acts, incidents or occurrences taking place within those geographical limits. Where any section provides cover in respect of your liability to third parties, we will only cover claims first made ina country within the applicable courts stated in that section of your policy schedule. Hiscox Business Insurance Policy summary JAC-PSC-UK-DC556(5.4) 17431b 07/20 Cancellation rights You can cancel this policy by giving us 30 days' notice. You will only be charged for the premiums due up to the date of cancellation. If we need to cancel the policy, we’ll give you 30 days’ notice in writing and refund any surplus premiums you might have paid. Please note – we may deduct an administration fee from any refunded payment.There is an exception to our 30-day notice period, which is triggered when we don’t receive your Direct Debit payments within the agreed 14-day period. At this point, we will contact you as soon as possible and stop the policyPage / 2 immediately. Underwritten by:Hiscox Underwriting Ltd on behalf of the insurers named in the schedule. Page / 1 Certificate of professional indemnity insurance Owen, Green and Oliver Hiscox Underwriting Ltd of 1 Great St. Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Certificate of professional indemnity Insurance Policy number:3NMS/6U95ONMDT24MA Name of policy holder:Owen, Green and Oliver Period of insurance: From 11/10/2024 to Tuesday 13 October, 2020 both days inclusive. This policy isa Continuing cover policy Insurer: Hiscox Insurance Company Limited Retroactive date: 2021-08-15 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: 11/10/2024 Insurance details Policy number: 3NMS/6U95ONMDT24MA Period of insurance: From 11/10/2024 to Tuesday 13 October, 2020 both days inclusive. This policy isa Continuing cover policy. Insured: Owen, Green and Oliver Address: 713 Dorothy courts West Carolyn FARNHAM BL6Y 2HN Additional insureds: None Business: Management Consultants Premium details Charged premium – the total amount you’ll pay for this policy. Charged premium: £6,231.03 Insurance Premium Tax (IPT): £1,874.93 Total charged premium: £7,013.87 Annualised premium – the annual premium for this policy. This is given for comparison purposes. Please refer to the charged premium section for the amount you’ll pay for the policy. Annual premium: £6,231.03 Insurance Premium Tax (IPT): £1,874.93 Annual total: £7,013.87 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 £423.25 Legal protection £100,000 £0 £9,957.35 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: 11/10/2024 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 2021-08-15 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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11/10/2024
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Hiscox Business Insurance - Policy number - bjxg/s/bp Company name: Riley-Rowley It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : bjxg/s/bp. Company name: Riley-Rowley. Your Hiscox Insurance premium. Last year’s annual premium: This year’s annual premium. £ 3,982.38. £ 3,982.38. The premium includes all applicable insurance premium tax (IPT). Dear Mr Stewart Johnson. Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on Wed 19 February, 2025 . Good news; if you want cover to continue with us and to make sure you stay protected by our award-winning cover, you do not need to do anything. We will update your policy onto our latest wording and continue to collect payment using the payment details we have for you. You must read the important information contained in this email and the attached documents. Your Hiscox Insurance Premium breakdown. The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). The amount shown as last year’s Annual premium will take into account any changes to the cover which may have been made during the last policy period. Cover. Last year’s annual premium (exc IPT). This year’s annual Premium (exc IPT). Professional indemnity. £8,608.69. £8,608.69. Legal protection. £6,175.68. £6,175.68. Crisis containment. £0.00. Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy . Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government increase in Insurance Premium Tax as shown. Is our information correct? Your premium and cover are based on what you’ve told us about Riley-Rowley , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay. . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover. Policy summary for each cover. ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover . As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, 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 19 February, 2025 . We’re here between 8:30am - 5:30pm Monday to Friday . Please note that we can only discuss policy changes with people named on the policy. Why renew with Hiscox. - Reassuring: we offer a range of cover options that can be tailored to your needs. - Flexible: we offer full flexibility to change your policy, with no administration fees . - Award-winning cover : we’ve been named Best Small Business Insurer 7 years running by Start Your Business Magazine . Please click this link for the Hiscox Referral Portal: https://refer.aklamio.com/hiscox/uk?source=postpurchase. Thank you again for choosing Hiscox to insure your business. We hope you and your business have a very successful year. Kind regards. Jon Dye. CEO, Hiscox UK. Business Insurance for the small and the brave. To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre. Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. This email and any files transmitted with it are confidential and intended solely for the use of the individual or entity to whom they are addressed. No one else is authorised to distribute, forward, print, copy or act upon any information contained in this email. If you have received this email in error, please notify the sender. Hiscox Syndicates Limited and Hiscox Insurance Company Limited are authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Hiscox Underwriting Limited, Hiscox Underwriting Services Ltd, Hiscox MGA Ltd and Hiscox ASM Ltd are authorised and regulated by the Financial Conduct Authority. Hiscox Assure SAS is duly registered as an insurance broker with the ORIAS, which is the French Official Registry of Insurance Intermediaries. Hiscox plc is a company registered in England and Wales under company registration number 2837811 and registered office at 1 Great St Helen's, London EC3A 6HX. Hiscox SA is a company registered in Luxembourg at 35 Avenue John F. Kennedy 35F, Luxembourg L-1855, and is authorised by the Commissariat aux Assurances de Luxembourg. It’s time to renew your Hiscox Business Insurance Hiscox Insurance policy number : bjxg/s/bp Company name: Riley-Rowley . It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : bjxg/s/bp Company name: Riley-Rowley . Your Hiscox Insurance premium Last year’s annual premium: This year’s annual premium The premium includes all applicable insurance premium tax (IPT). £ 3,982.38 £ 3,982.38 . Your Hiscox Insurance premium . Last year’s annual premium: This year’s annual premium £ 3,982.38 £ 3,982.38 . The premium includes all applicable insurance premium tax (IPT). Dear Mr Stewart Johnson . Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on Wed 19 February, 2025 . Good news; if you want cover to continue with us and to make sure you stay protected by our award-winning cover, you do not need to do anything. We will update your policy onto our latest wording and continue to collect payment using the payment details we have for you. You must read the important information contained in this email and the attached documents Your Hiscox Insurance Premium breakdown The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). The amount shown as last year’s Annual premium will take into account any changes to the cover which may have been made during the last policy period. Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) Professional indemnity £8,608.69 £8,608.69 Legal protection £6,175.68 £6,175.68 Crisis containment £0.00 Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government increase in Insurance Premium Tax as shown. Is our information correct? Your premium and cover are based on what you’ve told us about Riley-Rowley , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover Policy summary for each cover ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, 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 19 February, 2025 . We’re here between 8:30am - 5:30pm Monday to Friday . Please note that we can only discuss policy changes with people named on the policy. Why renew with Hiscox - Reassuring: we offer a range of cover options that can be tailored to your needs - Flexible: we offer full flexibility to change your policy, with no administration fees - Award-winning cover : we’ve been named Best Small Business Insurer 7 years running by Start Your Business Magazine Please click this link for the Hiscox Referral Portal: https://refer.aklamio.com/hiscox/uk?source=postpurchase Thank you again for choosing Hiscox to insure your business. We hope you and your business have a very successful year. Kind regards Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on Wed 19 February, 2025 . Good news; if you want cover to continue with us and to make sure you stay protected by our award-winning cover, you do not need to do anything. We will update your policy onto our latest wording and continue to collect payment using the payment details we have for you. You must read the important information contained in this email and the attached documents Your Hiscox Insurance Premium breakdown The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). The amount shown as last year’s Annual premium will take into account any changes to the cover which may have been made during the last policy period. Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) Professional indemnity £8,608.69 £8,608.69 Legal protection £6,175.68 £6,175.68 Crisis containment £0.00 Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government increase in Insurance Premium Tax as shown. Is our information correct? Your premium and cover are based on what you’ve told us about Riley-Rowley , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover Policy summary for each cover ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, 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 19 February, 2025 . We’re here between 8:30am - 5:30pm Monday to Friday . Please note that we can only discuss policy changes with people named on the policy. Why renew with Hiscox - Reassuring: we offer a range of cover options that can be tailored to your needs - Flexible: we offer full flexibility to change your policy, with no administration fees - Award-winning cover : we’ve been named Best Small Business Insurer 7 years running by Start Your Business Magazine Please click this link for the Hiscox Referral Portal: https://refer.aklamio.com/hiscox/uk?source=postpurchase Thank you again for choosing Hiscox to insure your business. We hope you and your business have a very successful year. Kind regards Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Your Hiscox Insurance Premium breakdown The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). Cover Professional indemnity Legal protection Crisis containment . Last year’s annual premium (exc IPT) £8,608.69 £6,175.68 £0.00 . This year’s annual Premium (exc IPT) £8,608.69 £6,175.68 . Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) . Professional indemnity £8,608.69 £8,608.69 . Legal protection £6,175.68 £6,175.68 . Crisis containment £0.00 . Kind regards Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre . Kind regards . Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave . To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre . Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Page / 1 Hiscox Business Insurance Policy wording 17431a - DC565 WORDING 04/17Guide to sectionsIntroduction Policy wordings General terms and conditions Professional indemnity for business management consultants Legal protection Crisis containment Hiscox Business Insurance Policy wording 17431a - DC565 WORDING 04/17IntroductionThank you for choosing Hiscox to protect your business. We hope that the language and layout of this policy wording are clear because we want you to understand the insurance we provide as well as the responsibilities we have to each other. Please read this document, including the policy schedule, policy summary and statement of fact, and let us know as soon as possible if any of the details are shown incorrectly. We always try to deliver to the highest standards of service. Your views are important to us, so if you feel that our service is below the standard you would expect from Hiscox, please contact us on the phone number shown in your policy schedule. Please note that some of the words we use in this insurance are shown in bold type. These words are defined in each section of the wording. Page / 1 Hiscox Insurance Payment schedule Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Thank you for continuing to pay for your policy by Direct Debit. Please check these details and let us know if anything is incorrect or if the schedule is not suitable. Your reference details Account holder name: Stewart 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 Wednesday 22 March, 2023 £3,982.38 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: bjxg/s/bp If you have any questions about your policy or payments, please call us on 0800 280 0351. We’re here between 8:30am - 5:30pm Monday to Friday or you can email us at service@hiscox.co.uk. Using your personal information Hiscox isa trading name ofa number of Hiscox companies. The specific company acting asa data controller of your personal information will be listed in the documentation we provide to you. If you are unsure you can also contact us at anytime by telephoning 01904 681198 or by emailing us at dataprotectionofficer@hiscox.com. We collect and process information about you in order to provide insurance policies and to process claims. Your information is also used for business purposes such as fraud prevention and detection and financial management. This may involve sharing your information with, and obtaining information about you from, our group companies and third parties such as brokers, loss adjusters, credit reference agencies, service providers, professional advisors, our regulators or fraud prevention agencies. We may record telephone calls to help us monitor and improve the service we provide. For further information on how your information is used and your rights in relation to your information please see our privacy policy at www.hiscox.co.uk/cookies-privacy. The Direct Debit Guarantee This Guarantee is offered by all banks and building societies that accept instructions to pay Direct Debits. If there are any changes to the amount, date or frequency of your Direct Debit Hiscox Underwriting Ltd will notify you ten working days in advance of your account being debited or as otherwise agreed. If you request Hiscox Underwriting Ltd to collect a payment, confirmation of the amount and date will be given to you at the time of the request. If an error is made in the payment of your Direct Debit by Hiscox Underwriting Ltd or your bank or building society you are entitled to a full and immediate refund of the amount paid from your bank or building society. – If you receive a refund you are not entitled to, you must pay it back when Hiscox Underwriting Ltd asks you to. You can cancel a Direct Debit at anytime by simply contacting your bank or building society. Written confirmation maybe required. Please also notify us. Page / 1 Hiscox Business Insurance Policy summary JAC-PSC-UK-DC556(5.4) 17431b 07/20 Your Hiscox Business Insurance policy summaries This document contains the summaries for any policy covers you have selected to protect your business. These summaries outline the key information about your policies so you can be confident that you have understood what you have bought and what you are covered for. However, you should carefully read your policy in full and ensure that you understand its terms and conditions in full. If you have any queries, you should contact Hiscox or your insurance advisor. Your side of the bargain Remember, your premium and insurance are based on the details you have provided to us. Please make sure this information accurately reflects your business and that you inform us immediately if anything needs to change. Please also tell us of any changes in circumstances that may affect the services provided by us or the cover provided by your policy. This is particularly important before taking out a policy, but it also applies throughout the life of the policy too. You need to consider: ■if you fail to fairly present the risk to us, including by failing to disclose any information material to the insurance, you could invalidate the policy, claims may not be paid or the amount we pay maybe reduced; ■you should read and check all insurance documents to ensure that you are aware of the cover, limits and other terms that apply; ■if you fail to let us know of any changes to your circumstances during the period of insurance or, if when telling us about such changes you fail to present the risk to us fairly, you could invalidate the policy, claims may not be paid or the amount we pay maybe reduced; ■please be aware of all terms and conditions of your policy because failure to comply with them could invalidate it or result in us not paying a claim or reducing the amount we pay; ■in the event ofa claim, you should take note of the required procedures, such as giving Hiscox prompt notice of the claims, as stated in the policy documentation. In particular, if you fail to notify us when you first become aware ofa shortcoming, fact, or problem, admit you are liable for what has happened or appoint solicitors or other legal representation without our prior written approval, claims or defence costs may not be paid or the amount we pay maybe reduced; ■as with any insurance, you have an obligation to take reasonable steps to mitigate any loss or liability; ■if you make a fraudulent claim or try to deceive us, we may terminate the policy. Policy length The period of insurance is shown on your policy schedule. Your policy schedule will also show if the policy is ona continuing cover basis. If itis ona continuing cover basis, we will renew your policy each year for another 12 months and continue to take payment (including any premium adjustment shown in your renewal invitation) using your existing arrangement, unless you tell us otherwise or if your risk changes. If your policy schedule does not show that the policy is ona continuing cover basis, cover will cease at the end of the period of insurance, unless you renew your policy with us. We will provide you witha statement of fact each year and provided that the information contained within the statement of fact is true, complete and accurate, you do not need to provide us with any further information. If any of the information in your statement of fact is not true, complete and accurate, you must let us know. If you do not let us know, it may affect the validity of the policy or our ability to pay a claim. Retroactive dates, geographical and jurisdiction limits Where any section of your policy schedule includes a retroactive date, we will not make any payment for any claim or loss under that section which arises from any activity performed or any act, incident or occurrence taking place, before the retroactive date. Where any section of your policy schedule shows the geographical limits which apply to that section of the policy, we will only pay for claims and losses under that section which arise from activities performed or acts, incidents or occurrences taking place within those geographical limits. Where any section provides cover in respect of your liability to third parties, we will only cover claims first made ina country within the applicable courts stated in that section of your policy schedule. Hiscox Business Insurance Policy summary JAC-PSC-UK-DC556(5.4) 17431b 07/20 Cancellation rights You can cancel this policy by giving us 30 days' notice. You will only be charged for the premiums due up to the date of cancellation. If we need to cancel the policy, we’ll give you 30 days’ notice in writing and refund any surplus premiums you might have paid. Please note – we may deduct an administration fee from any refunded payment.There is an exception to our 30-day notice period, which is triggered when we don’t receive your Direct Debit payments within the agreed 14-day period. At this point, we will contact you as soon as possible and stop the policyPage / 2 immediately. Underwritten by:Hiscox Underwriting Ltd on behalf of the insurers named in the schedule. Page / 1 Certificate of professional indemnity insurance Riley-Rowley Hiscox Underwriting Ltd of 1 Great St. Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Certificate of professional indemnity Insurance Policy number:bjxg/s/bp Name of policy holder:Riley-Rowley Period of insurance: From Wed 19 February, 2025 to Wed 31 May, 2023 both days inclusive. This policy isa Continuing cover policy Insurer: Hiscox Insurance Company Limited Retroactive date: 11/01/20 Level of cover:£1,000,000 Signed on behalf of Hiscox Underwriting Limited as agent for the insurers Jon Dye CEO, Hiscox UK Notes: (a) This insurance is subject to policy terms and conditions and any special terms notified to the InsuredPage / 1 Hiscox Business Insurance Policy Schedule 14502 10/18 This schedule tells you what is insured with us. It should be read carefully with your policy wording(s) and statement of fact detailed elsewhere in this document. Schedule effective date: Wed 19 February, 2025 Insurance details Policy number: bjxg/s/bp Period of insurance: From Wed 19 February, 2025 to Wed 31 May, 2023 both days inclusive. This policy isa Continuing cover policy. Insured: Riley-Rowley Address: Flat 21 Barker cape East Elliott FARNHAM LL18 2WJ Additional insureds: None Business: Management Consultants Premium details Charged premium – the total amount you’ll pay for this policy. Charged premium: £2,833.75 Insurance Premium Tax (IPT): £8,273.05 Total charged premium: £3,982.38 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: £2,833.75 Insurance Premium Tax (IPT): £8,273.05 Annual total: £3,982.38 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 £8,608.69 Legal protection £100,000 £0 £6,175.68 Crisis containment £25,000 - £0.00 The figures above are in summary only and are not in addition to the amount insured specified against each cover section below. Hiscox Business Insurance Policy Schedule 14502 10/18 SECTION: PROFESSIONAL INDEMNITY – MANAGEMENT CONSULTANTS Cover start date: Wed 19 February, 2025 Limit of indemnity £1,000,000 Limit applies to in the aggregate, including all costs Excess £1,000 Excess applies to each and every claim or loss, including all costs Geographical limits Worldwide Applicable courts Worldwide (excluding United States of America and Canada) Claims brought in USA or Canada Not covered Additional covers (in addition to overall limit of indemnity stated above) Cover Limit of indemnity Limit applies to Court attendance compensation - employees £250 per person, per day Court attendance compensation - directors and partners£500 per person, per day Court attendance compensation: in total £100,000 in the aggregate Special limits (included within not in addition to the overall limit of indemnity stated above) Cover Limit of indemnity Limit applies to Personal data claims £250,000 in the aggregate, including all costs Business activities Business managementPage / 2 consultant Retroactive date 11/01/20 Insurer Hiscox Insurance Company LimitedPage / 1 Hiscox Insurance Summary of change Introduction This document has been created to help you understand the key changes to your Hiscox Insurance policy and how they may impact you. Your policy continues to offer professional, tailored insurance to protect you and give you peace of mind that if you need us, you will be supported by our award winning claims team. If you have a query not covered by this document, or if you have any questions or concerns about your policy you should contact us. Frequently asked questions What if my circumstances change during the period of insurance? If your circumstances change during the period of insurance, you only need to let us know if the change means that any of the information in the Statement of Fact is no longer true, complete and accurate. If there are no such changes, you do not need to let us know. If any of the information within the Statement of Fact becomes no longer complete, true or accurate at any point during the period of insurance you must tell us as it may affect the validity of the policy or our ability to pay a claim. Additionally, if your contact details change then you should let us know straightaway. Where doI find the limits that apply to my policy? You can find your maximum allowable limits for turnover and wage rollin your Statement of Fact. You must check this information and tell us or your broker if you expect to exceed the maximum amounts shown. Please note these values may have changed. If there are special limits or special excesses applying to particular covers or types of losses these will be shown in the policy schedule. Please check your policy schedule carefully as they may have changed. My new schedule shows a different premium to last year? What has changed? If an underwriter has reviewed your policy then they may have manually adjusted your premium, for example if you’ve had claims in the last 12 months. Where doI find out about any endorsements on my policy? You will be able to see if an endorsement has been applied or removed by reviewing your Policy Schedule. If you have any queries or concerns, please contact us or your broker if you have one. Hiscox Insurance Summary of change Professional indemnity for business management consultants Summary of change Changes to the cover The following table shows the differences between our new policy wordings (5570 WD- PROF-UK-MAN(7), 15579 WD-PROF-UK-MAN-AG(3)) and our previous wordings (5570 WD-PROF-UK-MAN(6), 15579 WD-PROF-UK-MAN-AG(2)). This isa summary of the changes only. You should refer to the schedule and policy wording for the full description of the cover in place. Area of cover Previous policy New policy Improvement in cover Claims against you Advertising claims. We will pay claims arising from your advertising or branding for defamation or infringement of copyright or moral rights. This does not include claims for passing off, unauthorised use of trademarks or false or misleading advertising. Previously cover was not restricted to defamation or the infringement of copyright or moral rights.Covered Amended Your own lossesChanges to ‘what is covered’ Losses from dishonesty. Your losses arising from the dishonesty of your employees, sub-contractors or outsourcers.Covered Not covered Area of cover Previous policy New policy Improvement in cover Cyber incident. We will not pay claims relating to an actual or possible cyber attack, hacker or social engineering communication. Previously we excluded any virus not specifically targeted at your system.Covered Not covered Computer or digital technology error. We will not pay claims arising from any negligent act, error or omission in the operation or maintenance of computer or digital technology such as development, installation, patching or upgrading.Covered Not coveredChanges to ‘what is not covered’ Infrastructure. We will not pay claims arising from the failure of the service provided by internet, telecommunications, utilities or other infrastructure providers.Covered Not covered Hiscox Insurance Summary of change Personal data. We will not pay claims relating to personal data. We will pay such claims where they arise from your performance ofa business activity and which is not otherwise excluded. Subject to the limit shown in the schedule.Covered Not covered Other important changes Control of defence. Under the previous wording we had a duty to defend you against any covered claim brought against you. We now have the right but not the obligation to take control of the conduct of the claim including the appointment of legal representation. Please refer to the policy wording for full details. SOC-PROF-UK-MAN(1) 21367 01/21
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bjxg/s/bp
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(?<=Policy number - )[-\w_\/\.]+?(?= Company name)
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Wed 19 February, 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 - 6-E1XEQ Company name: Thomas-Pritchard It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : 6-E1XEQ. Company name: Thomas-Pritchard. Your Hiscox Insurance premium. Last year’s annual premium: This year’s annual premium. £ 9,033.17. £ 9,033.17. The premium includes all applicable insurance premium tax (IPT). Dear Ms Annette French. Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 21 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. £9,975.29. £9,975.29. Legal protection. £6,948.64. £6,948.64. 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 Thomas-Pritchard , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay. . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover. Policy summary for each cover. ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover . As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, 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 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 : 6-E1XEQ Company name: Thomas-Pritchard . It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : 6-E1XEQ Company name: Thomas-Pritchard . Your Hiscox Insurance premium Last year’s annual premium: This year’s annual premium The premium includes all applicable insurance premium tax (IPT). £ 9,033.17 £ 9,033.17 . Your Hiscox Insurance premium . Last year’s annual premium: This year’s annual premium £ 9,033.17 £ 9,033.17 . The premium includes all applicable insurance premium tax (IPT). Dear Ms Annette French . Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 21 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 £9,975.29 £9,975.29 Legal protection £6,948.64 £6,948.64 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 Thomas-Pritchard , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover Policy summary for each cover ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, 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 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 21 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 £9,975.29 £9,975.29 Legal protection £6,948.64 £6,948.64 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 Thomas-Pritchard , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover Policy summary for each cover ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, 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 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) £9,975.29 £6,948.64 £0.00 . This year’s annual Premium (exc IPT) £9,975.29 £6,948.64 . Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) . Professional indemnity £9,975.29 £9,975.29 . Legal protection £6,948.64 £6,948.64 . 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: Annette French Frequency of collection: Annual Sort code: %BANK_SORT_CODE_1% Account number: %BANK_ACCOUNT_NUMBER_1% Your Direct Debit schedule We will take payments on the dates outlined below: Date Amount 01 February, 2023 £9,033.17 Where your chosen collection date falls ona non-working day then we will endeavour to collect the next working day. For your information, the collections will be made using the following reference number: Originator Identification Number: 293461 Reference Number: 6-E1XEQ If you have any questions about your policy or payments, please call us on 0800 280 0351. We’re here between 8:30am - 5:30pm Monday to Friday or you can email us at service@hiscox.co.uk. Using your personal information Hiscox isa trading name ofa number of Hiscox companies. The specific company acting asa data controller of your personal information will be listed in the documentation we provide to you. If you are unsure you can also contact us at anytime by telephoning 01904 681198 or by emailing us at dataprotectionofficer@hiscox.com. We collect and process information about you in order to provide insurance policies and to process claims. Your information is also used for business purposes such as fraud prevention and detection and financial management. This may involve sharing your information with, and obtaining information about you from, our group companies and third parties such as brokers, loss adjusters, credit reference agencies, service providers, professional advisors, our regulators or fraud prevention agencies. We may record telephone calls to help us monitor and improve the service we provide. For further information on how your information is used and your rights in relation to your information please see our privacy policy at www.hiscox.co.uk/cookies-privacy. The Direct Debit Guarantee This Guarantee is offered by all banks and building societies that accept instructions to pay Direct Debits. If there are any changes to the amount, date or frequency of your Direct Debit Hiscox Underwriting Ltd will notify you ten working days in advance of your account being debited or as otherwise agreed. If you request Hiscox Underwriting Ltd to collect a payment, confirmation of the amount and date will be given to you at the time of the request. If an error is made in the payment of your Direct Debit by Hiscox Underwriting Ltd or your bank or building society you are entitled to a full and immediate refund of the amount paid from your bank or building society. – If you receive a refund you are not entitled to, you must pay it back when Hiscox Underwriting Ltd asks you to. You can cancel a Direct Debit at anytime by simply contacting your bank or building society. Written confirmation maybe required. Please also notify us. Page / 1 Hiscox Business Insurance Policy summary JAC-PSC-UK-DC556(5.4) 17431b 07/20 Your Hiscox Business Insurance policy summaries This document contains the summaries for any policy covers you have selected to protect your business. These summaries outline the key information about your policies so you can be confident that you have understood what you have bought and what you are covered for. However, you should carefully read your policy in full and ensure that you understand its terms and conditions in full. If you have any queries, you should contact Hiscox or your insurance advisor. Your side of the bargain Remember, your premium and insurance are based on the details you have provided to us. Please make sure this information accurately reflects your business and that you inform us immediately if anything needs to change. Please also tell us of any changes in circumstances that may affect the services provided by us or the cover provided by your policy. This is particularly important before taking out a policy, but it also applies throughout the life of the policy too. You need to consider: ■if you fail to fairly present the risk to us, including by failing to disclose any information material to the insurance, you could invalidate the policy, claims may not be paid or the amount we pay maybe reduced; ■you should read and check all insurance documents to ensure that you are aware of the cover, limits and other terms that apply; ■if you fail to let us know of any changes to your circumstances during the period of insurance or, if when telling us about such changes you fail to present the risk to us fairly, you could invalidate the policy, claims may not be paid or the amount we pay maybe reduced; ■please be aware of all terms and conditions of your policy because failure to comply with them could invalidate it or result in us not paying a claim or reducing the amount we pay; ■in the event ofa claim, you should take note of the required procedures, such as giving Hiscox prompt notice of the claims, as stated in the policy documentation. In particular, if you fail to notify us when you first become aware ofa shortcoming, fact, or problem, admit you are liable for what has happened or appoint solicitors or other legal representation without our prior written approval, claims or defence costs may not be paid or the amount we pay maybe reduced; ■as with any insurance, you have an obligation to take reasonable steps to mitigate any loss or liability; ■if you make a fraudulent claim or try to deceive us, we may terminate the policy. Policy length The period of insurance is shown on your policy schedule. Your policy schedule will also show if the policy is ona continuing cover basis. If itis ona continuing cover basis, we will renew your policy each year for another 12 months and continue to take payment (including any premium adjustment shown in your renewal invitation) using your existing arrangement, unless you tell us otherwise or if your risk changes. If your policy schedule does not show that the policy is ona continuing cover basis, cover will cease at the end of the period of insurance, unless you renew your policy with us. We will provide you witha statement of fact each year and provided that the information contained within the statement of fact is true, complete and accurate, you do not need to provide us with any further information. If any of the information in your statement of fact is not true, complete and accurate, you must let us know. If you do not let us know, it may affect the validity of the policy or our ability to pay a claim. Retroactive dates, geographical and jurisdiction limits Where any section of your policy schedule includes a retroactive date, we will not make any payment for any claim or loss under that section which arises from any activity performed or any act, incident or occurrence taking place, before the retroactive date. Where any section of your policy schedule shows the geographical limits which apply to that section of the policy, we will only pay for claims and losses under that section which arise from activities performed or acts, incidents or occurrences taking place within those geographical limits. Where any section provides cover in respect of your liability to third parties, we will only cover claims first made ina country within the applicable courts stated in that section of your policy schedule. Hiscox Business Insurance Policy summary JAC-PSC-UK-DC556(5.4) 17431b 07/20 Cancellation rights You can cancel this policy by giving us 30 days' notice. You will only be charged for the premiums due up to the date of cancellation. If we need to cancel the policy, we’ll give you 30 days’ notice in writing and refund any surplus premiums you might have paid. Please note – we may deduct an administration fee from any refunded payment.There is an exception to our 30-day notice period, which is triggered when we don’t receive your Direct Debit payments within the agreed 14-day period. At this point, we will contact you as soon as possible and stop the policyPage / 2 immediately. Underwritten by:Hiscox Underwriting Ltd on behalf of the insurers named in the schedule. Page / 1 Certificate of professional indemnity insurance Thomas-Pritchard Hiscox Underwriting Ltd of 1 Great St. Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Certificate of professional indemnity Insurance Policy number:6-E1XEQ Name of policy holder:Thomas-Pritchard Period of insurance: From 21 September, 2019 to Monday 20 March, 2023 both days inclusive. This policy isa Continuing cover policy Insurer: Hiscox Insurance Company Limited Retroactive date: 14 June, 2023 Level of cover:£1,000,000 Signed on behalf of Hiscox Underwriting Limited as agent for the insurers Jon Dye CEO, Hiscox UK Notes: (a) This insurance is subject to policy terms and conditions and any special terms notified to the InsuredPage / 1 Hiscox Business Insurance Policy Schedule 14502 10/18 This schedule tells you what is insured with us. It should be read carefully with your policy wording(s) and statement of fact detailed elsewhere in this document. Schedule effective date: 21 September, 2019 Insurance details Policy number: 6-E1XEQ Period of insurance: From 21 September, 2019 to Monday 20 March, 2023 both days inclusive. This policy isa Continuing cover policy. Insured: Thomas-Pritchard Address: Studio 52b Bray shores Alistad FARNHAM GU4 7NP Additional insureds: None Business: Management Consultants Premium details Charged premium – the total amount you’ll pay for this policy. Charged premium: £5,146.73 Insurance Premium Tax (IPT): £8,761.30 Total charged premium: £9,033.17 Annualised premium – the annual premium for this policy. This is given for comparison purposes. Please refer to the charged premium section for the amount you’ll pay for the policy. Annual premium: £5,146.73 Insurance Premium Tax (IPT): £8,761.30 Annual total: £9,033.17 Please note that there will be no refund or additional premium for any transaction which is less than £20 (excluding IPT). Hiscox Business Insurance Policy Schedule 14502 10/18 Summary Claims information If you need to make a claim: - For claims relating to your building or contents please contact our claims team on 0800 247 1902, 9.00am – 5:30pm Monday to Friday. If you wish to make a claim online, you can log most claims quickly and easily through our claims notification portal at https://claims.hiscox.co.uk/. Outside of normal business hours, if you require emergency assistance in relation to substantial damage to your property, you can speak to our 24-hour emergency assistance team using the telephone number above. Your policy schedule will state if property cover is included in your policy. Our out-of-hours emergency assistance team operate ona pay-and-claim basis and you will need to have credit card details available as appropriate. The team will then be able to direct you to essential tradesmen, emergency loss adjusters or disaster management companies in the event of substantial damage. - If there isa claim (or potential claim) against you bya third party, please email us at liability.claims@hiscox.com. If you need to speak to a member of the claims team urgently, please call our team on 0800 711 7156, 9.00am – 5:30pm Monday to Friday. If you wish to make a claim online, you can log most claims quickly and easily through our claims notification portal at https://claims.hiscox.co.uk/. You will need to provide your full name and contact details, the name of your business or organisation, your address and postcode, the policy reference and circumstances of the claim. The Important information and contact details section below contains additional information specific to the covers applicable to your policy. If you are unsure of who to contact please call our team on 0800 711 7156, 9.00am – 5:30pm Monday to Friday. They will ensure you get through to the correct claims team and let you know what actions you need to take. If anything happens that might be covered under the policy, you must comply with the obligations set out in General claims conditions, together with the obligations set out under Your obligations in the section or sections under which you are making the claim. Itis important that you read the policy for details of its terms in full. Your covers This isa summary of each section of your policy. See each section for cover details. Cover Insurance amount Excess Annual Premium (exc IPT) Professional indemnity £1,000,000 £1,000 £9,975.29 Legal protection £100,000 £0 £6,948.64 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: 21 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 14 June, 2023 Insurer Hiscox Insurance Company LimitedPage / 1 Hiscox Insurance Summary of change Introduction This document has been created to help you understand the key changes to your Hiscox Insurance policy and how they may impact you. Your policy continues to offer professional, tailored insurance to protect you and give you peace of mind that if you need us, you will be supported by our award winning claims team. If you have a query not covered by this document, or if you have any questions or concerns about your policy you should contact us. Frequently asked questions What if my circumstances change during the period of insurance? If your circumstances change during the period of insurance, you only need to let us know if the change means that any of the information in the Statement of Fact is no longer true, complete and accurate. If there are no such changes, you do not need to let us know. If any of the information within the Statement of Fact becomes no longer complete, true or accurate at any point during the period of insurance you must tell us as it may affect the validity of the policy or our ability to pay a claim. Additionally, if your contact details change then you should let us know straightaway. Where doI find the limits that apply to my policy? You can find your maximum allowable limits for turnover and wage rollin your Statement of Fact. You must check this information and tell us or your broker if you expect to exceed the maximum amounts shown. Please note these values may have changed. If there are special limits or special excesses applying to particular covers or types of losses these will be shown in the policy schedule. Please check your policy schedule carefully as they may have changed. My new schedule shows a different premium to last year? What has changed? If an underwriter has reviewed your policy then they may have manually adjusted your premium, for example if you’ve had claims in the last 12 months. Where doI find out about any endorsements on my policy? You will be able to see if an endorsement has been applied or removed by reviewing your Policy Schedule. If you have any queries or concerns, please contact us or your broker if you have one. Hiscox Insurance Summary of change Professional indemnity for business management consultants Summary of change Changes to the cover The following table shows the differences between our new policy wordings (5570 WD- PROF-UK-MAN(7), 15579 WD-PROF-UK-MAN-AG(3)) and our previous wordings (5570 WD-PROF-UK-MAN(6), 15579 WD-PROF-UK-MAN-AG(2)). This isa summary of the changes only. You should refer to the schedule and policy wording for the full description of the cover in place. Area of cover Previous policy New policy Improvement in cover Claims against you Advertising claims. We will pay claims arising from your advertising or branding for defamation or infringement of copyright or moral rights. This does not include claims for passing off, unauthorised use of trademarks or false or misleading advertising. Previously cover was not restricted to defamation or the infringement of copyright or moral rights.Covered Amended Your own lossesChanges to ‘what is covered’ Losses from dishonesty. Your losses arising from the dishonesty of your employees, sub-contractors or outsourcers.Covered Not covered Area of cover Previous policy New policy Improvement in cover Cyber incident. We will not pay claims relating to an actual or possible cyber attack, hacker or social engineering communication. Previously we excluded any virus not specifically targeted at your system.Covered Not covered Computer or digital technology error. We will not pay claims arising from any negligent act, error or omission in the operation or maintenance of computer or digital technology such as development, installation, patching or upgrading.Covered Not coveredChanges to ‘what is not covered’ Infrastructure. We will not pay claims arising from the failure of the service provided by internet, telecommunications, utilities or other infrastructure providers.Covered Not covered Hiscox Insurance Summary of change Personal data. We will not pay claims relating to personal data. We will pay such claims where they arise from your performance ofa business activity and which is not otherwise excluded. Subject to the limit shown in the schedule.Covered Not covered Other important changes Control of defence. Under the previous wording we had a duty to defend you against any covered claim brought against you. We now have the right but not the obligation to take control of the conduct of the claim including the appointment of legal representation. Please refer to the policy wording for full details. SOC-PROF-UK-MAN(1) 21367 01/21
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6-E1XEQ
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(?<=Policy number - )[-\w_\/\.]+?(?= Company name)
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21 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 - RK.B/CUKDJ8U69FVTW Company name: Hill PLC It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : RK.B/CUKDJ8U69FVTW. Company name: Hill PLC. Your Hiscox Insurance premium. Last year’s annual premium: This year’s annual premium. £ 2,555.99. £ 2,555.99. The premium includes all applicable insurance premium tax (IPT). Dear Ms Connor Wright-Newman. Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 17/11/24 . 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. £1,863.78. £1,863.78. Legal protection. £2,897.31. £2,897.31. Crisis containment. £0.00. Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy . Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government increase in Insurance Premium Tax as shown. Is our information correct? Your premium and cover are based on what you’ve told us about Hill 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 17/11/24 . 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 : RK.B/CUKDJ8U69FVTW Company name: Hill PLC . It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : RK.B/CUKDJ8U69FVTW Company name: Hill PLC . Your Hiscox Insurance premium Last year’s annual premium: This year’s annual premium The premium includes all applicable insurance premium tax (IPT). £ 2,555.99 £ 2,555.99 . Your Hiscox Insurance premium . Last year’s annual premium: This year’s annual premium £ 2,555.99 £ 2,555.99 . The premium includes all applicable insurance premium tax (IPT). Dear Ms Connor Wright-Newman . Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 17/11/24 . 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 £1,863.78 £1,863.78 Legal protection £2,897.31 £2,897.31 Crisis containment £0.00 Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government increase in Insurance Premium Tax as shown. Is our information correct? Your premium and cover are based on what you’ve told us about Hill 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 17/11/24 . We’re here between 8:30am - 5:30pm Monday to Friday . Please note that we can only discuss policy changes with people named on the policy. Why renew with Hiscox - Reassuring: we offer a range of cover options that can be tailored to your needs - Flexible: we offer full flexibility to change your policy, with no administration fees - Award-winning cover : we’ve been named Best Small Business Insurer 7 years running by Start Your Business Magazine Please click this link for the Hiscox Referral Portal: https://refer.aklamio.com/hiscox/uk?source=postpurchase Thank you again for choosing Hiscox to insure your business. We hope you and your business have a very successful year. Kind regards Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 17/11/24 . 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 £1,863.78 £1,863.78 Legal protection £2,897.31 £2,897.31 Crisis containment £0.00 Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government increase in Insurance Premium Tax as shown. Is our information correct? Your premium and cover are based on what you’ve told us about Hill 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 17/11/24 . 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) £1,863.78 £2,897.31 £0.00 . This year’s annual Premium (exc IPT) £1,863.78 £2,897.31 . Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) . Professional indemnity £1,863.78 £1,863.78 . Legal protection £2,897.31 £2,897.31 . Crisis containment £0.00 . Kind regards Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre . Kind regards . Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave . To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre . Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Page / 1 Hiscox Business Insurance Policy wording 17431a - DC565 WORDING 04/17Guide to sectionsIntroduction Policy wordings General terms and conditions Professional indemnity for business management consultants Legal protection Crisis containment Hiscox Business Insurance Policy wording 17431a - DC565 WORDING 04/17IntroductionThank you for choosing Hiscox to protect your business. We hope that the language and layout of this policy wording are clear because we want you to understand the insurance we provide as well as the responsibilities we have to each other. Please read this document, including the policy schedule, policy summary and statement of fact, and let us know as soon as possible if any of the details are shown incorrectly. We always try to deliver to the highest standards of service. Your views are important to us, so if you feel that our service is below the standard you would expect from Hiscox, please contact us on the phone number shown in your policy schedule. Please note that some of the words we use in this insurance are shown in bold type. These words are defined in each section of the wording. Page / 1 Hiscox Insurance Payment schedule Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Thank you for continuing to pay for your policy by Direct Debit. Please check these details and let us know if anything is incorrect or if the schedule is not suitable. Your reference details Account holder name: Connor Wright-Newman Frequency of collection: Annual Sort code: %BANK_SORT_CODE_1% Account number: %BANK_ACCOUNT_NUMBER_1% Your Direct Debit schedule We will take payments on the dates outlined below: Date Amount Thursday 27 April, 2023 £2,555.99 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: RK.B/CUKDJ8U69FVTW If you have any questions about your policy or payments, please call us on 0800 280 0351. We’re here between 8:30am - 5:30pm Monday to Friday or you can email us at service@hiscox.co.uk. Using your personal information Hiscox isa trading name ofa number of Hiscox companies. The specific company acting asa data controller of your personal information will be listed in the documentation we provide to you. If you are unsure you can also contact us at anytime by telephoning 01904 681198 or by emailing us at dataprotectionofficer@hiscox.com. We collect and process information about you in order to provide insurance policies and to process claims. Your information is also used for business purposes such as fraud prevention and detection and financial management. This may involve sharing your information with, and obtaining information about you from, our group companies and third parties such as brokers, loss adjusters, credit reference agencies, service providers, professional advisors, our regulators or fraud prevention agencies. We may record telephone calls to help us monitor and improve the service we provide. For further information on how your information is used and your rights in relation to your information please see our privacy policy at www.hiscox.co.uk/cookies-privacy. The Direct Debit Guarantee This Guarantee is offered by all banks and building societies that accept instructions to pay Direct Debits. If there are any changes to the amount, date or frequency of your Direct Debit Hiscox Underwriting Ltd will notify you ten working days in advance of your account being debited or as otherwise agreed. If you request Hiscox Underwriting Ltd to collect a payment, confirmation of the amount and date will be given to you at the time of the request. If an error is made in the payment of your Direct Debit by Hiscox Underwriting Ltd or your bank or building society you are entitled to a full and immediate refund of the amount paid from your bank or building society. – If you receive a refund you are not entitled to, you must pay it back when Hiscox Underwriting Ltd asks you to. You can cancel a Direct Debit at anytime by simply contacting your bank or building society. Written confirmation maybe required. Please also notify us. Page / 1 Hiscox Business Insurance Policy summary JAC-PSC-UK-DC556(5.4) 17431b 07/20 Your Hiscox Business Insurance policy summaries This document contains the summaries for any policy covers you have selected to protect your business. These summaries outline the key information about your policies so you can be confident that you have understood what you have bought and what you are covered for. However, you should carefully read your policy in full and ensure that you understand its terms and conditions in full. If you have any queries, you should contact Hiscox or your insurance advisor. Your side of the bargain Remember, your premium and insurance are based on the details you have provided to us. Please make sure this information accurately reflects your business and that you inform us immediately if anything needs to change. Please also tell us of any changes in circumstances that may affect the services provided by us or the cover provided by your policy. This is particularly important before taking out a policy, but it also applies throughout the life of the policy too. You need to consider: ■if you fail to fairly present the risk to us, including by failing to disclose any information material to the insurance, you could invalidate the policy, claims may not be paid or the amount we pay maybe reduced; ■you should read and check all insurance documents to ensure that you are aware of the cover, limits and other terms that apply; ■if you fail to let us know of any changes to your circumstances during the period of insurance or, if when telling us about such changes you fail to present the risk to us fairly, you could invalidate the policy, claims may not be paid or the amount we pay maybe reduced; ■please be aware of all terms and conditions of your policy because failure to comply with them could invalidate it or result in us not paying a claim or reducing the amount we pay; ■in the event ofa claim, you should take note of the required procedures, such as giving Hiscox prompt notice of the claims, as stated in the policy documentation. In particular, if you fail to notify us when you first become aware ofa shortcoming, fact, or problem, admit you are liable for what has happened or appoint solicitors or other legal representation without our prior written approval, claims or defence costs may not be paid or the amount we pay maybe reduced; ■as with any insurance, you have an obligation to take reasonable steps to mitigate any loss or liability; ■if you make a fraudulent claim or try to deceive us, we may terminate the policy. Policy length The period of insurance is shown on your policy schedule. Your policy schedule will also show if the policy is ona continuing cover basis. If itis ona continuing cover basis, we will renew your policy each year for another 12 months and continue to take payment (including any premium adjustment shown in your renewal invitation) using your existing arrangement, unless you tell us otherwise or if your risk changes. If your policy schedule does not show that the policy is ona continuing cover basis, cover will cease at the end of the period of insurance, unless you renew your policy with us. We will provide you witha statement of fact each year and provided that the information contained within the statement of fact is true, complete and accurate, you do not need to provide us with any further information. If any of the information in your statement of fact is not true, complete and accurate, you must let us know. If you do not let us know, it may affect the validity of the policy or our ability to pay a claim. Retroactive dates, geographical and jurisdiction limits Where any section of your policy schedule includes a retroactive date, we will not make any payment for any claim or loss under that section which arises from any activity performed or any act, incident or occurrence taking place, before the retroactive date. Where any section of your policy schedule shows the geographical limits which apply to that section of the policy, we will only pay for claims and losses under that section which arise from activities performed or acts, incidents or occurrences taking place within those geographical limits. Where any section provides cover in respect of your liability to third parties, we will only cover claims first made ina country within the applicable courts stated in that section of your policy schedule. Hiscox Business Insurance Policy summary JAC-PSC-UK-DC556(5.4) 17431b 07/20 Cancellation rights You can cancel this policy by giving us 30 days' notice. You will only be charged for the premiums due up to the date of cancellation. If we need to cancel the policy, we’ll give you 30 days’ notice in writing and refund any surplus premiums you might have paid. Please note – we may deduct an administration fee from any refunded payment.There is an exception to our 30-day notice period, which is triggered when we don’t receive your Direct Debit payments within the agreed 14-day period. At this point, we will contact you as soon as possible and stop the policyPage / 2 immediately. Underwritten by:Hiscox Underwriting Ltd on behalf of the insurers named in the schedule. Page / 1 Certificate of professional indemnity insurance Hill 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:RK.B/CUKDJ8U69FVTW Name of policy holder:Hill PLC Period of insurance: From 17/11/24 to 31 December, 2021 both days inclusive. This policy isa Continuing cover policy Insurer: Hiscox Insurance Company Limited Retroactive date: 10/09/2024 Level of cover:£1,000,000 Signed on behalf of Hiscox Underwriting Limited as agent for the insurers Jon Dye CEO, Hiscox UK Notes: (a) This insurance is subject to policy terms and conditions and any special terms notified to the InsuredPage / 1 Hiscox Business Insurance Policy Schedule 14502 10/18 This schedule tells you what is insured with us. It should be read carefully with your policy wording(s) and statement of fact detailed elsewhere in this document. Schedule effective date: 17/11/24 Insurance details Policy number: RK.B/CUKDJ8U69FVTW Period of insurance: From 17/11/24 to 31 December, 2021 both days inclusive. This policy isa Continuing cover policy. Insured: Hill PLC Address: 24 Begum station New Emma FARNHAM L6T 3YS Additional insureds: None Business: Management Consultants Premium details Charged premium – the total amount you’ll pay for this policy. Charged premium: £6,360.67 Insurance Premium Tax (IPT): £73.37 Total charged premium: £2,555.99 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: £6,360.67 Insurance Premium Tax (IPT): £73.37 Annual total: £2,555.99 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 £1,863.78 Legal protection £100,000 £0 £2,897.31 Crisis containment £25,000 - £0.00 The figures above are in summary only and are not in addition to the amount insured specified against each cover section below. Hiscox Business Insurance Policy Schedule 14502 10/18 SECTION: PROFESSIONAL INDEMNITY – MANAGEMENT CONSULTANTS Cover start date: 17/11/24 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 10/09/2024 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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RK.B/CUKDJ8U69FVTW
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(?<=Policy number - )[-\w_\/\.]+?(?= Company name)
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17/11/24
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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 - JS/HP/GZC Company name: Simpson, Murray and Holt It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : JS/HP/GZC. Company name: Simpson, Murray and Holt. Your Hiscox Insurance premium. Last year’s annual premium: This year’s annual premium. £ 6,636.66. £ 6,636.66. The premium includes all applicable insurance premium tax (IPT). Dear Dr Mr Nathan Farrell. Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 2019-11-29 . Good news; if you want cover to continue with us and to make sure you stay protected by our award-winning cover, you do not need to do anything. We will update your policy onto our latest wording and continue to collect payment using the payment details we have for you. You must read the important information contained in this email and the attached documents. Your Hiscox Insurance Premium breakdown. The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). The amount shown as last year’s Annual premium will take into account any changes to the cover which may have been made during the last policy period. Cover. Last year’s annual premium (exc IPT). This year’s annual Premium (exc IPT). Professional indemnity. £8,569.63. £8,569.63. Legal protection. £7,304.41. £7,304.41. 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 Simpson, Murray and Holt , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay. . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover. Policy summary for each cover. ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover . As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before 2019-11-29 . 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 : JS/HP/GZC Company name: Simpson, Murray and Holt . It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : JS/HP/GZC Company name: Simpson, Murray and Holt . Your Hiscox Insurance premium Last year’s annual premium: This year’s annual premium The premium includes all applicable insurance premium tax (IPT). £ 6,636.66 £ 6,636.66 . Your Hiscox Insurance premium . Last year’s annual premium: This year’s annual premium £ 6,636.66 £ 6,636.66 . The premium includes all applicable insurance premium tax (IPT). Dear Dr Mr Nathan Farrell . Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 2019-11-29 . Good news; if you want cover to continue with us and to make sure you stay protected by our award-winning cover, you do not need to do anything. We will update your policy onto our latest wording and continue to collect payment using the payment details we have for you. You must read the important information contained in this email and the attached documents Your Hiscox Insurance Premium breakdown The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). The amount shown as last year’s Annual premium will take into account any changes to the cover which may have been made during the last policy period. Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) Professional indemnity £8,569.63 £8,569.63 Legal protection £7,304.41 £7,304.41 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 Simpson, Murray and Holt , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover Policy summary for each cover ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before 2019-11-29 . 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 2019-11-29 . Good news; if you want cover to continue with us and to make sure you stay protected by our award-winning cover, you do not need to do anything. We will update your policy onto our latest wording and continue to collect payment using the payment details we have for you. You must read the important information contained in this email and the attached documents Your Hiscox Insurance Premium breakdown The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). The amount shown as last year’s Annual premium will take into account any changes to the cover which may have been made during the last policy period. Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) Professional indemnity £8,569.63 £8,569.63 Legal protection £7,304.41 £7,304.41 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 Simpson, Murray and Holt , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover Policy summary for each cover ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before 2019-11-29 . We’re here between 8:30am - 5:30pm Monday to Friday . Please note that we can only discuss policy changes with people named on the policy. Why renew with Hiscox - Reassuring: we offer a range of cover options that can be tailored to your needs - Flexible: we offer full flexibility to change your policy, with no administration fees - Award-winning cover : we’ve been named Best Small Business Insurer 7 years running by Start Your Business Magazine Please click this link for the Hiscox Referral Portal: https://refer.aklamio.com/hiscox/uk?source=postpurchase Thank you again for choosing Hiscox to insure your business. We hope you and your business have a very successful year. Kind regards Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Your Hiscox Insurance Premium breakdown The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). Cover Professional indemnity Legal protection Crisis containment . Last year’s annual premium (exc IPT) £8,569.63 £7,304.41 £0.00 . This year’s annual Premium (exc IPT) £8,569.63 £7,304.41 . Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) . Professional indemnity £8,569.63 £8,569.63 . Legal protection £7,304.41 £7,304.41 . 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: Mr Nathan Farrell Frequency of collection: Annual Sort code: %BANK_SORT_CODE_1% Account number: %BANK_ACCOUNT_NUMBER_1% Your Direct Debit schedule We will take payments on the dates outlined below: Date Amount 07/09/2022 £6,636.66 Where your chosen collection date falls ona non-working day then we will endeavour to collect the next working day. For your information, the collections will be made using the following reference number: Originator Identification Number: 293461 Reference Number: JS/HP/GZC If you have any questions about your policy or payments, please call us on 0800 280 0351. We’re here between 8:30am - 5:30pm Monday to Friday or you can email us at service@hiscox.co.uk. Using your personal information Hiscox isa trading name ofa number of Hiscox companies. The specific company acting asa data controller of your personal information will be listed in the documentation we provide to you. If you are unsure you can also contact us at anytime by telephoning 01904 681198 or by emailing us at dataprotectionofficer@hiscox.com. We collect and process information about you in order to provide insurance policies and to process claims. Your information is also used for business purposes such as fraud prevention and detection and financial management. This may involve sharing your information with, and obtaining information about you from, our group companies and third parties such as brokers, loss adjusters, credit reference agencies, service providers, professional advisors, our regulators or fraud prevention agencies. We may record telephone calls to help us monitor and improve the service we provide. For further information on how your information is used and your rights in relation to your information please see our privacy policy at www.hiscox.co.uk/cookies-privacy. The Direct Debit Guarantee This Guarantee is offered by all banks and building societies that accept instructions to pay Direct Debits. If there are any changes to the amount, date or frequency of your Direct Debit Hiscox Underwriting Ltd will notify you ten working days in advance of your account being debited or as otherwise agreed. If you request Hiscox Underwriting Ltd to collect a payment, confirmation of the amount and date will be given to you at the time of the request. If an error is made in the payment of your Direct Debit by Hiscox Underwriting Ltd or your bank or building society you are entitled to a full and immediate refund of the amount paid from your bank or building society. – If you receive a refund you are not entitled to, you must pay it back when Hiscox Underwriting Ltd asks you to. You can cancel a Direct Debit at anytime by simply contacting your bank or building society. Written confirmation maybe required. Please also notify us. Page / 1 Hiscox Business Insurance Policy summary JAC-PSC-UK-DC556(5.4) 17431b 07/20 Your Hiscox Business Insurance policy summaries This document contains the summaries for any policy covers you have selected to protect your business. These summaries outline the key information about your policies so you can be confident that you have understood what you have bought and what you are covered for. However, you should carefully read your policy in full and ensure that you understand its terms and conditions in full. If you have any queries, you should contact Hiscox or your insurance advisor. Your side of the bargain Remember, your premium and insurance are based on the details you have provided to us. Please make sure this information accurately reflects your business and that you inform us immediately if anything needs to change. Please also tell us of any changes in circumstances that may affect the services provided by us or the cover provided by your policy. This is particularly important before taking out a policy, but it also applies throughout the life of the policy too. You need to consider: ■if you fail to fairly present the risk to us, including by failing to disclose any information material to the insurance, you could invalidate the policy, claims may not be paid or the amount we pay maybe reduced; ■you should read and check all insurance documents to ensure that you are aware of the cover, limits and other terms that apply; ■if you fail to let us know of any changes to your circumstances during the period of insurance or, if when telling us about such changes you fail to present the risk to us fairly, you could invalidate the policy, claims may not be paid or the amount we pay maybe reduced; ■please be aware of all terms and conditions of your policy because failure to comply with them could invalidate it or result in us not paying a claim or reducing the amount we pay; ■in the event ofa claim, you should take note of the required procedures, such as giving Hiscox prompt notice of the claims, as stated in the policy documentation. In particular, if you fail to notify us when you first become aware ofa shortcoming, fact, or problem, admit you are liable for what has happened or appoint solicitors or other legal representation without our prior written approval, claims or defence costs may not be paid or the amount we pay maybe reduced; ■as with any insurance, you have an obligation to take reasonable steps to mitigate any loss or liability; ■if you make a fraudulent claim or try to deceive us, we may terminate the policy. Policy length The period of insurance is shown on your policy schedule. Your policy schedule will also show if the policy is ona continuing cover basis. If itis ona continuing cover basis, we will renew your policy each year for another 12 months and continue to take payment (including any premium adjustment shown in your renewal invitation) using your existing arrangement, unless you tell us otherwise or if your risk changes. If your policy schedule does not show that the policy is ona continuing cover basis, cover will cease at the end of the period of insurance, unless you renew your policy with us. We will provide you witha statement of fact each year and provided that the information contained within the statement of fact is true, complete and accurate, you do not need to provide us with any further information. If any of the information in your statement of fact is not true, complete and accurate, you must let us know. If you do not let us know, it may affect the validity of the policy or our ability to pay a claim. Retroactive dates, geographical and jurisdiction limits Where any section of your policy schedule includes a retroactive date, we will not make any payment for any claim or loss under that section which arises from any activity performed or any act, incident or occurrence taking place, before the retroactive date. Where any section of your policy schedule shows the geographical limits which apply to that section of the policy, we will only pay for claims and losses under that section which arise from activities performed or acts, incidents or occurrences taking place within those geographical limits. Where any section provides cover in respect of your liability to third parties, we will only cover claims first made ina country within the applicable courts stated in that section of your policy schedule. Hiscox Business Insurance Policy summary JAC-PSC-UK-DC556(5.4) 17431b 07/20 Cancellation rights You can cancel this policy by giving us 30 days' notice. You will only be charged for the premiums due up to the date of cancellation. If we need to cancel the policy, we’ll give you 30 days’ notice in writing and refund any surplus premiums you might have paid. Please note – we may deduct an administration fee from any refunded payment.There is an exception to our 30-day notice period, which is triggered when we don’t receive your Direct Debit payments within the agreed 14-day period. At this point, we will contact you as soon as possible and stop the policyPage / 2 immediately. Underwritten by:Hiscox Underwriting Ltd on behalf of the insurers named in the schedule. Page / 1 Certificate of professional indemnity insurance Simpson, Murray and Holt Hiscox Underwriting Ltd of 1 Great St. Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Certificate of professional indemnity Insurance Policy number:JS/HP/GZC Name of policy holder:Simpson, Murray and Holt Period of insurance: From 2019-11-29 to Thu 22 January, 2026 both days inclusive. This policy isa Continuing cover policy Insurer: Hiscox Insurance Company Limited Retroactive date: 12/09/2021 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: 2019-11-29 Insurance details Policy number: JS/HP/GZC Period of insurance: From 2019-11-29 to Thu 22 January, 2026 both days inclusive. This policy isa Continuing cover policy. Insured: Simpson, Murray and Holt Address: Studio 5 Jack creek Morrisshire FARNHAM S9E 3BA Additional insureds: None Business: Management Consultants Premium details Charged premium – the total amount you’ll pay for this policy. Charged premium: £863.59 Insurance Premium Tax (IPT): £4,605.53 Total charged premium: £6,636.66 Annualised premium – the annual premium for this policy. This is given for comparison purposes. Please refer to the charged premium section for the amount you’ll pay for the policy. Annual premium: £863.59 Insurance Premium Tax (IPT): £4,605.53 Annual total: £6,636.66 Please note that there will be no refund or additional premium for any transaction which is less than £20 (excluding IPT). Hiscox Business Insurance Policy Schedule 14502 10/18 Summary Claims information If you need to make a claim: - For claims relating to your building or contents please contact our claims team on 0800 247 1902, 9.00am – 5:30pm Monday to Friday. If you wish to make a claim online, you can log most claims quickly and easily through our claims notification portal at https://claims.hiscox.co.uk/. Outside of normal business hours, if you require emergency assistance in relation to substantial damage to your property, you can speak to our 24-hour emergency assistance team using the telephone number above. Your policy schedule will state if property cover is included in your policy. Our out-of-hours emergency assistance team operate ona pay-and-claim basis and you will need to have credit card details available as appropriate. The team will then be able to direct you to essential tradesmen, emergency loss adjusters or disaster management companies in the event of substantial damage. - If there isa claim (or potential claim) against you bya third party, please email us at liability.claims@hiscox.com. If you need to speak to a member of the claims team urgently, please call our team on 0800 711 7156, 9.00am – 5:30pm Monday to Friday. If you wish to make a claim online, you can log most claims quickly and easily through our claims notification portal at https://claims.hiscox.co.uk/. You will need to provide your full name and contact details, the name of your business or organisation, your address and postcode, the policy reference and circumstances of the claim. The Important information and contact details section below contains additional information specific to the covers applicable to your policy. If you are unsure of who to contact please call our team on 0800 711 7156, 9.00am – 5:30pm Monday to Friday. They will ensure you get through to the correct claims team and let you know what actions you need to take. If anything happens that might be covered under the policy, you must comply with the obligations set out in General claims conditions, together with the obligations set out under Your obligations in the section or sections under which you are making the claim. Itis important that you read the policy for details of its terms in full. Your covers This isa summary of each section of your policy. See each section for cover details. Cover Insurance amount Excess Annual Premium (exc IPT) Professional indemnity £1,000,000 £1,000 £8,569.63 Legal protection £100,000 £0 £7,304.41 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: 2019-11-29 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 12/09/2021 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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JS/HP/GZC
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(?<=Policy number - )[-\w_\/\.]+?(?= Company name)
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2019-11-29
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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 - PQHTTQWIBUMTMZWJOMED Company name: McDonald-Ball It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : PQHTTQWIBUMTMZWJOMED. Company name: McDonald-Ball. Your Hiscox Insurance premium. Last year’s annual premium: This year’s annual premium. £ 5,157.88. £ 5,157.88. The premium includes all applicable insurance premium tax (IPT). Dear Dr Sam Stevens. Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on Sunday 08 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. £4,513.59. £4,513.59. Legal protection. £3,807.62. £3,807.62. Crisis containment. £0.00. Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy . Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government increase in Insurance Premium Tax as shown. Is our information correct? Your premium and cover are based on what you’ve told us about McDonald-Ball , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay. . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover. Policy summary for each cover. ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover . As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before Sunday 08 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 : PQHTTQWIBUMTMZWJOMED Company name: McDonald-Ball . It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : PQHTTQWIBUMTMZWJOMED Company name: McDonald-Ball . Your Hiscox Insurance premium Last year’s annual premium: This year’s annual premium The premium includes all applicable insurance premium tax (IPT). £ 5,157.88 £ 5,157.88 . Your Hiscox Insurance premium . Last year’s annual premium: This year’s annual premium £ 5,157.88 £ 5,157.88 . The premium includes all applicable insurance premium tax (IPT). Dear Dr Sam Stevens . Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on Sunday 08 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 £4,513.59 £4,513.59 Legal protection £3,807.62 £3,807.62 Crisis containment £0.00 Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government increase in Insurance Premium Tax as shown. Is our information correct? Your premium and cover are based on what you’ve told us about McDonald-Ball , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover Policy summary for each cover ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before Sunday 08 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 Sunday 08 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 £4,513.59 £4,513.59 Legal protection £3,807.62 £3,807.62 Crisis containment £0.00 Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government increase in Insurance Premium Tax as shown. Is our information correct? Your premium and cover are based on what you’ve told us about McDonald-Ball , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover Policy summary for each cover ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before Sunday 08 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) £4,513.59 £3,807.62 £0.00 . This year’s annual Premium (exc IPT) £4,513.59 £3,807.62 . Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) . Professional indemnity £4,513.59 £4,513.59 . Legal protection £3,807.62 £3,807.62 . Crisis containment £0.00 . Kind regards Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre . Kind regards . Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave . To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre . Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Page / 1 Hiscox Business Insurance Policy wording 17431a - DC565 WORDING 04/17Guide to sectionsIntroduction Policy wordings General terms and conditions Professional indemnity for business management consultants Legal protection Crisis containment Hiscox Business Insurance Policy wording 17431a - DC565 WORDING 04/17IntroductionThank you for choosing Hiscox to protect your business. We hope that the language and layout of this policy wording are clear because we want you to understand the insurance we provide as well as the responsibilities we have to each other. Please read this document, including the policy schedule, policy summary and statement of fact, and let us know as soon as possible if any of the details are shown incorrectly. We always try to deliver to the highest standards of service. Your views are important to us, so if you feel that our service is below the standard you would expect from Hiscox, please contact us on the phone number shown in your policy schedule. Please note that some of the words we use in this insurance are shown in bold type. These words are defined in each section of the wording. Page / 1 Hiscox Insurance Payment schedule Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Thank you for continuing to pay for your policy by Direct Debit. Please check these details and let us know if anything is incorrect or if the schedule is not suitable. Your reference details Account holder name: Sam 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 2020-07-04 £5,157.88 Where your chosen collection date falls ona non-working day then we will endeavour to collect the next working day. For your information, the collections will be made using the following reference number: Originator Identification Number: 293461 Reference Number: PQHTTQWIBUMTMZWJOMED If you have any questions about your policy or payments, please call us on 0800 280 0351. We’re here between 8:30am - 5:30pm Monday to Friday or you can email us at service@hiscox.co.uk. Using your personal information Hiscox isa trading name ofa number of Hiscox companies. The specific company acting asa data controller of your personal information will be listed in the documentation we provide to you. If you are unsure you can also contact us at anytime by telephoning 01904 681198 or by emailing us at dataprotectionofficer@hiscox.com. We collect and process information about you in order to provide insurance policies and to process claims. Your information is also used for business purposes such as fraud prevention and detection and financial management. This may involve sharing your information with, and obtaining information about you from, our group companies and third parties such as brokers, loss adjusters, credit reference agencies, service providers, professional advisors, our regulators or fraud prevention agencies. We may record telephone calls to help us monitor and improve the service we provide. For further information on how your information is used and your rights in relation to your information please see our privacy policy at www.hiscox.co.uk/cookies-privacy. The Direct Debit Guarantee This Guarantee is offered by all banks and building societies that accept instructions to pay Direct Debits. If there are any changes to the amount, date or frequency of your Direct Debit Hiscox Underwriting Ltd will notify you ten working days in advance of your account being debited or as otherwise agreed. If you request Hiscox Underwriting Ltd to collect a payment, confirmation of the amount and date will be given to you at the time of the request. If an error is made in the payment of your Direct Debit by Hiscox Underwriting Ltd or your bank or building society you are entitled to a full and immediate refund of the amount paid from your bank or building society. – If you receive a refund you are not entitled to, you must pay it back when Hiscox Underwriting Ltd asks you to. You can cancel a Direct Debit at anytime by simply contacting your bank or building society. Written confirmation maybe required. Please also notify us. Page / 1 Hiscox Business Insurance Policy summary JAC-PSC-UK-DC556(5.4) 17431b 07/20 Your Hiscox Business Insurance policy summaries This document contains the summaries for any policy covers you have selected to protect your business. These summaries outline the key information about your policies so you can be confident that you have understood what you have bought and what you are covered for. However, you should carefully read your policy in full and ensure that you understand its terms and conditions in full. If you have any queries, you should contact Hiscox or your insurance advisor. Your side of the bargain Remember, your premium and insurance are based on the details you have provided to us. Please make sure this information accurately reflects your business and that you inform us immediately if anything needs to change. Please also tell us of any changes in circumstances that may affect the services provided by us or the cover provided by your policy. This is particularly important before taking out a policy, but it also applies throughout the life of the policy too. You need to consider: ■if you fail to fairly present the risk to us, including by failing to disclose any information material to the insurance, you could invalidate the policy, claims may not be paid or the amount we pay maybe reduced; ■you should read and check all insurance documents to ensure that you are aware of the cover, limits and other terms that apply; ■if you fail to let us know of any changes to your circumstances during the period of insurance or, if when telling us about such changes you fail to present the risk to us fairly, you could invalidate the policy, claims may not be paid or the amount we pay maybe reduced; ■please be aware of all terms and conditions of your policy because failure to comply with them could invalidate it or result in us not paying a claim or reducing the amount we pay; ■in the event ofa claim, you should take note of the required procedures, such as giving Hiscox prompt notice of the claims, as stated in the policy documentation. In particular, if you fail to notify us when you first become aware ofa shortcoming, fact, or problem, admit you are liable for what has happened or appoint solicitors or other legal representation without our prior written approval, claims or defence costs may not be paid or the amount we pay maybe reduced; ■as with any insurance, you have an obligation to take reasonable steps to mitigate any loss or liability; ■if you make a fraudulent claim or try to deceive us, we may terminate the policy. Policy length The period of insurance is shown on your policy schedule. Your policy schedule will also show if the policy is ona continuing cover basis. If itis ona continuing cover basis, we will renew your policy each year for another 12 months and continue to take payment (including any premium adjustment shown in your renewal invitation) using your existing arrangement, unless you tell us otherwise or if your risk changes. If your policy schedule does not show that the policy is ona continuing cover basis, cover will cease at the end of the period of insurance, unless you renew your policy with us. We will provide you witha statement of fact each year and provided that the information contained within the statement of fact is true, complete and accurate, you do not need to provide us with any further information. If any of the information in your statement of fact is not true, complete and accurate, you must let us know. If you do not let us know, it may affect the validity of the policy or our ability to pay a claim. Retroactive dates, geographical and jurisdiction limits Where any section of your policy schedule includes a retroactive date, we will not make any payment for any claim or loss under that section which arises from any activity performed or any act, incident or occurrence taking place, before the retroactive date. Where any section of your policy schedule shows the geographical limits which apply to that section of the policy, we will only pay for claims and losses under that section which arise from activities performed or acts, incidents or occurrences taking place within those geographical limits. Where any section provides cover in respect of your liability to third parties, we will only cover claims first made ina country within the applicable courts stated in that section of your policy schedule. Hiscox Business Insurance Policy summary JAC-PSC-UK-DC556(5.4) 17431b 07/20 Cancellation rights You can cancel this policy by giving us 30 days' notice. You will only be charged for the premiums due up to the date of cancellation. If we need to cancel the policy, we’ll give you 30 days’ notice in writing and refund any surplus premiums you might have paid. Please note – we may deduct an administration fee from any refunded payment.There is an exception to our 30-day notice period, which is triggered when we don’t receive your Direct Debit payments within the agreed 14-day period. At this point, we will contact you as soon as possible and stop the policyPage / 2 immediately. Underwritten by:Hiscox Underwriting Ltd on behalf of the insurers named in the schedule. Page / 1 Certificate of professional indemnity insurance McDonald-Ball Hiscox Underwriting Ltd of 1 Great St. Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Certificate of professional indemnity Insurance Policy number:PQHTTQWIBUMTMZWJOMED Name of policy holder:McDonald-Ball Period of insurance: From Sunday 08 November, 2020 to 19 October, 2023 both days inclusive. This policy isa Continuing cover policy Insurer: Hiscox Insurance Company Limited Retroactive date: Sun 20 February, 2022 Level of cover:£1,000,000 Signed on behalf of Hiscox Underwriting Limited as agent for the insurers Jon Dye CEO, Hiscox UK Notes: (a) This insurance is subject to policy terms and conditions and any special terms notified to the InsuredPage / 1 Hiscox Business Insurance Policy Schedule 14502 10/18 This schedule tells you what is insured with us. It should be read carefully with your policy wording(s) and statement of fact detailed elsewhere in this document. Schedule effective date: Sunday 08 November, 2020 Insurance details Policy number: PQHTTQWIBUMTMZWJOMED Period of insurance: From Sunday 08 November, 2020 to 19 October, 2023 both days inclusive. This policy isa Continuing cover policy. Insured: McDonald-Ball Address: Flat 1 Jones well Gordonstad FARNHAM CH07 5AY Additional insureds: None Business: Management Consultants Premium details Charged premium – the total amount you’ll pay for this policy. Charged premium: £6,164.18 Insurance Premium Tax (IPT): £313.53 Total charged premium: £5,157.88 Annualised premium – the annual premium for this policy. This is given for comparison purposes. Please refer to the charged premium section for the amount you’ll pay for the policy. Annual premium: £6,164.18 Insurance Premium Tax (IPT): £313.53 Annual total: £5,157.88 Please note that there will be no refund or additional premium for any transaction which is less than £20 (excluding IPT). Hiscox Business Insurance Policy Schedule 14502 10/18 Summary Claims information If you need to make a claim: - For claims relating to your building or contents please contact our claims team on 0800 247 1902, 9.00am – 5:30pm Monday to Friday. If you wish to make a claim online, you can log most claims quickly and easily through our claims notification portal at https://claims.hiscox.co.uk/. Outside of normal business hours, if you require emergency assistance in relation to substantial damage to your property, you can speak to our 24-hour emergency assistance team using the telephone number above. Your policy schedule will state if property cover is included in your policy. Our out-of-hours emergency assistance team operate ona pay-and-claim basis and you will need to have credit card details available as appropriate. The team will then be able to direct you to essential tradesmen, emergency loss adjusters or disaster management companies in the event of substantial damage. - If there isa claim (or potential claim) against you bya third party, please email us at liability.claims@hiscox.com. If you need to speak to a member of the claims team urgently, please call our team on 0800 711 7156, 9.00am – 5:30pm Monday to Friday. If you wish to make a claim online, you can log most claims quickly and easily through our claims notification portal at https://claims.hiscox.co.uk/. You will need to provide your full name and contact details, the name of your business or organisation, your address and postcode, the policy reference and circumstances of the claim. The Important information and contact details section below contains additional information specific to the covers applicable to your policy. If you are unsure of who to contact please call our team on 0800 711 7156, 9.00am – 5:30pm Monday to Friday. They will ensure you get through to the correct claims team and let you know what actions you need to take. If anything happens that might be covered under the policy, you must comply with the obligations set out in General claims conditions, together with the obligations set out under Your obligations in the section or sections under which you are making the claim. Itis important that you read the policy for details of its terms in full. Your covers This isa summary of each section of your policy. See each section for cover details. Cover Insurance amount Excess Annual Premium (exc IPT) Professional indemnity £1,000,000 £1,000 £4,513.59 Legal protection £100,000 £0 £3,807.62 Crisis containment £25,000 - £0.00 The figures above are in summary only and are not in addition to the amount insured specified against each cover section below. Hiscox Business Insurance Policy Schedule 14502 10/18 SECTION: PROFESSIONAL INDEMNITY – MANAGEMENT CONSULTANTS Cover start date: Sunday 08 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 Sun 20 February, 2022 Insurer Hiscox Insurance Company LimitedPage / 1 Hiscox Insurance Summary of change Introduction This document has been created to help you understand the key changes to your Hiscox Insurance policy and how they may impact you. Your policy continues to offer professional, tailored insurance to protect you and give you peace of mind that if you need us, you will be supported by our award winning claims team. If you have a query not covered by this document, or if you have any questions or concerns about your policy you should contact us. Frequently asked questions What if my circumstances change during the period of insurance? If your circumstances change during the period of insurance, you only need to let us know if the change means that any of the information in the Statement of Fact is no longer true, complete and accurate. If there are no such changes, you do not need to let us know. If any of the information within the Statement of Fact becomes no longer complete, true or accurate at any point during the period of insurance you must tell us as it may affect the validity of the policy or our ability to pay a claim. Additionally, if your contact details change then you should let us know straightaway. Where doI find the limits that apply to my policy? You can find your maximum allowable limits for turnover and wage rollin your Statement of Fact. You must check this information and tell us or your broker if you expect to exceed the maximum amounts shown. Please note these values may have changed. If there are special limits or special excesses applying to particular covers or types of losses these will be shown in the policy schedule. Please check your policy schedule carefully as they may have changed. My new schedule shows a different premium to last year? What has changed? If an underwriter has reviewed your policy then they may have manually adjusted your premium, for example if you’ve had claims in the last 12 months. Where doI find out about any endorsements on my policy? You will be able to see if an endorsement has been applied or removed by reviewing your Policy Schedule. If you have any queries or concerns, please contact us or your broker if you have one. Hiscox Insurance Summary of change Professional indemnity for business management consultants Summary of change Changes to the cover The following table shows the differences between our new policy wordings (5570 WD- PROF-UK-MAN(7), 15579 WD-PROF-UK-MAN-AG(3)) and our previous wordings (5570 WD-PROF-UK-MAN(6), 15579 WD-PROF-UK-MAN-AG(2)). This isa summary of the changes only. You should refer to the schedule and policy wording for the full description of the cover in place. Area of cover Previous policy New policy Improvement in cover Claims against you Advertising claims. We will pay claims arising from your advertising or branding for defamation or infringement of copyright or moral rights. This does not include claims for passing off, unauthorised use of trademarks or false or misleading advertising. Previously cover was not restricted to defamation or the infringement of copyright or moral rights.Covered Amended Your own lossesChanges to ‘what is covered’ Losses from dishonesty. Your losses arising from the dishonesty of your employees, sub-contractors or outsourcers.Covered Not covered Area of cover Previous policy New policy Improvement in cover Cyber incident. We will not pay claims relating to an actual or possible cyber attack, hacker or social engineering communication. Previously we excluded any virus not specifically targeted at your system.Covered Not covered Computer or digital technology error. We will not pay claims arising from any negligent act, error or omission in the operation or maintenance of computer or digital technology such as development, installation, patching or upgrading.Covered Not coveredChanges to ‘what is not covered’ Infrastructure. We will not pay claims arising from the failure of the service provided by internet, telecommunications, utilities or other infrastructure providers.Covered Not covered Hiscox Insurance Summary of change Personal data. We will not pay claims relating to personal data. We will pay such claims where they arise from your performance ofa business activity and which is not otherwise excluded. Subject to the limit shown in the schedule.Covered Not covered Other important changes Control of defence. Under the previous wording we had a duty to defend you against any covered claim brought against you. We now have the right but not the obligation to take control of the conduct of the claim including the appointment of legal representation. Please refer to the policy wording for full details. SOC-PROF-UK-MAN(1) 21367 01/21
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Sunday 08 November, 2020
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2024-02-05
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Hiscox Business Insurance - Policy number - rsnygxrvvdx Company name: Dennis Inc It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : rsnygxrvvdx. Company name: Dennis Inc. Your Hiscox Insurance premium. Last year’s annual premium: This year’s annual premium. £ 201.00. £ 201.00. The premium includes all applicable insurance premium tax (IPT). Dear Dr Dr Ashleigh Jones. Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on Sunday 14 August, 2022 . Good news; if you want cover to continue with us and to make sure you stay protected by our award-winning cover, you do not need to do anything. We will update your policy onto our latest wording and continue to collect payment using the payment details we have for you. You must read the important information contained in this email and the attached documents. Your Hiscox Insurance Premium breakdown. The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). The amount shown as last year’s Annual premium will take into account any changes to the cover which may have been made during the last policy period. Cover. Last year’s annual premium (exc IPT). This year’s annual Premium (exc IPT). Professional indemnity. £5,196.28. £5,196.28. Legal protection. £9,873.80. £9,873.80. 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 Dennis Inc , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay. . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover. Policy summary for each cover. ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover . As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before Sunday 14 August, 2022 . We’re here between 8:30am - 5:30pm Monday to Friday . Please note that we can only discuss policy changes with people named on the policy. Why renew with Hiscox. - Reassuring: we offer a range of cover options that can be tailored to your needs. - Flexible: we offer full flexibility to change your policy, with no administration fees . - Award-winning cover : we’ve been named Best Small Business Insurer 7 years running by Start Your Business Magazine . Please click this link for the Hiscox Referral Portal: https://refer.aklamio.com/hiscox/uk?source=postpurchase. Thank you again for choosing Hiscox to insure your business. We hope you and your business have a very successful year. Kind regards. Jon Dye. CEO, Hiscox UK. Business Insurance for the small and the brave. To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre. Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. This email and any files transmitted with it are confidential and intended solely for the use of the individual or entity to whom they are addressed. No one else is authorised to distribute, forward, print, copy or act upon any information contained in this email. If you have received this email in error, please notify the sender. Hiscox Syndicates Limited and Hiscox Insurance Company Limited are authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Hiscox Underwriting Limited, Hiscox Underwriting Services Ltd, Hiscox MGA Ltd and Hiscox ASM Ltd are authorised and regulated by the Financial Conduct Authority. Hiscox Assure SAS is duly registered as an insurance broker with the ORIAS, which is the French Official Registry of Insurance Intermediaries. Hiscox plc is a company registered in England and Wales under company registration number 2837811 and registered office at 1 Great St Helen's, London EC3A 6HX. Hiscox SA is a company registered in Luxembourg at 35 Avenue John F. Kennedy 35F, Luxembourg L-1855, and is authorised by the Commissariat aux Assurances de Luxembourg. It’s time to renew your Hiscox Business Insurance Hiscox Insurance policy number : rsnygxrvvdx Company name: Dennis Inc . It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : rsnygxrvvdx Company name: Dennis Inc . Your Hiscox Insurance premium Last year’s annual premium: This year’s annual premium The premium includes all applicable insurance premium tax (IPT). £ 201.00 £ 201.00 . Your Hiscox Insurance premium . Last year’s annual premium: This year’s annual premium £ 201.00 £ 201.00 . The premium includes all applicable insurance premium tax (IPT). Dear Dr Dr Ashleigh Jones . Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on Sunday 14 August, 2022 . Good news; if you want cover to continue with us and to make sure you stay protected by our award-winning cover, you do not need to do anything. We will update your policy onto our latest wording and continue to collect payment using the payment details we have for you. You must read the important information contained in this email and the attached documents Your Hiscox Insurance Premium breakdown The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). The amount shown as last year’s Annual premium will take into account any changes to the cover which may have been made during the last policy period. Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) Professional indemnity £5,196.28 £5,196.28 Legal protection £9,873.80 £9,873.80 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 Dennis Inc , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover Policy summary for each cover ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before Sunday 14 August, 2022 . We’re here between 8:30am - 5:30pm Monday to Friday . Please note that we can only discuss policy changes with people named on the policy. Why renew with Hiscox - Reassuring: we offer a range of cover options that can be tailored to your needs - Flexible: we offer full flexibility to change your policy, with no administration fees - Award-winning cover : we’ve been named Best Small Business Insurer 7 years running by Start Your Business Magazine Please click this link for the Hiscox Referral Portal: https://refer.aklamio.com/hiscox/uk?source=postpurchase Thank you again for choosing Hiscox to insure your business. We hope you and your business have a very successful year. Kind regards Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on Sunday 14 August, 2022 . Good news; if you want cover to continue with us and to make sure you stay protected by our award-winning cover, you do not need to do anything. We will update your policy onto our latest wording and continue to collect payment using the payment details we have for you. You must read the important information contained in this email and the attached documents Your Hiscox Insurance Premium breakdown The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). The amount shown as last year’s Annual premium will take into account any changes to the cover which may have been made during the last policy period. Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) Professional indemnity £5,196.28 £5,196.28 Legal protection £9,873.80 £9,873.80 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 Dennis Inc , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover Policy summary for each cover ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before Sunday 14 August, 2022 . We’re here between 8:30am - 5:30pm Monday to Friday . Please note that we can only discuss policy changes with people named on the policy. Why renew with Hiscox - Reassuring: we offer a range of cover options that can be tailored to your needs - Flexible: we offer full flexibility to change your policy, with no administration fees - Award-winning cover : we’ve been named Best Small Business Insurer 7 years running by Start Your Business Magazine Please click this link for the Hiscox Referral Portal: https://refer.aklamio.com/hiscox/uk?source=postpurchase Thank you again for choosing Hiscox to insure your business. We hope you and your business have a very successful year. Kind regards Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Your Hiscox Insurance Premium breakdown The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). Cover Professional indemnity Legal protection Crisis containment . Last year’s annual premium (exc IPT) £5,196.28 £9,873.80 £0.00 . This year’s annual Premium (exc IPT) £5,196.28 £9,873.80 . Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) . Professional indemnity £5,196.28 £5,196.28 . Legal protection £9,873.80 £9,873.80 . 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 Ashleigh 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 03/11/2022 £201.00 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: rsnygxrvvdx If you have any questions about your policy or payments, please call us on 0800 280 0351. We’re here between 8:30am - 5:30pm Monday to Friday or you can email us at service@hiscox.co.uk. Using your personal information Hiscox isa trading name ofa number of Hiscox companies. The specific company acting asa data controller of your personal information will be listed in the documentation we provide to you. If you are unsure you can also contact us at anytime by telephoning 01904 681198 or by emailing us at dataprotectionofficer@hiscox.com. We collect and process information about you in order to provide insurance policies and to process claims. Your information is also used for business purposes such as fraud prevention and detection and financial management. This may involve sharing your information with, and obtaining information about you from, our group companies and third parties such as brokers, loss adjusters, credit reference agencies, service providers, professional advisors, our regulators or fraud prevention agencies. We may record telephone calls to help us monitor and improve the service we provide. For further information on how your information is used and your rights in relation to your information please see our privacy policy at www.hiscox.co.uk/cookies-privacy. The Direct Debit Guarantee This Guarantee is offered by all banks and building societies that accept instructions to pay Direct Debits. If there are any changes to the amount, date or frequency of your Direct Debit Hiscox Underwriting Ltd will notify you ten working days in advance of your account being debited or as otherwise agreed. If you request Hiscox Underwriting Ltd to collect a payment, confirmation of the amount and date will be given to you at the time of the request. If an error is made in the payment of your Direct Debit by Hiscox Underwriting Ltd or your bank or building society you are entitled to a full and immediate refund of the amount paid from your bank or building society. – If you receive a refund you are not entitled to, you must pay it back when Hiscox Underwriting Ltd asks you to. You can cancel a Direct Debit at anytime by simply contacting your bank or building society. Written confirmation maybe required. Please also notify us. Page / 1 Hiscox Business Insurance Policy summary JAC-PSC-UK-DC556(5.4) 17431b 07/20 Your Hiscox Business Insurance policy summaries This document contains the summaries for any policy covers you have selected to protect your business. These summaries outline the key information about your policies so you can be confident that you have understood what you have bought and what you are covered for. However, you should carefully read your policy in full and ensure that you understand its terms and conditions in full. If you have any queries, you should contact Hiscox or your insurance advisor. Your side of the bargain Remember, your premium and insurance are based on the details you have provided to us. Please make sure this information accurately reflects your business and that you inform us immediately if anything needs to change. Please also tell us of any changes in circumstances that may affect the services provided by us or the cover provided by your policy. This is particularly important before taking out a policy, but it also applies throughout the life of the policy too. You need to consider: ■if you fail to fairly present the risk to us, including by failing to disclose any information material to the insurance, you could invalidate the policy, claims may not be paid or the amount we pay maybe reduced; ■you should read and check all insurance documents to ensure that you are aware of the cover, limits and other terms that apply; ■if you fail to let us know of any changes to your circumstances during the period of insurance or, if when telling us about such changes you fail to present the risk to us fairly, you could invalidate the policy, claims may not be paid or the amount we pay maybe reduced; ■please be aware of all terms and conditions of your policy because failure to comply with them could invalidate it or result in us not paying a claim or reducing the amount we pay; ■in the event ofa claim, you should take note of the required procedures, such as giving Hiscox prompt notice of the claims, as stated in the policy documentation. In particular, if you fail to notify us when you first become aware ofa shortcoming, fact, or problem, admit you are liable for what has happened or appoint solicitors or other legal representation without our prior written approval, claims or defence costs may not be paid or the amount we pay maybe reduced; ■as with any insurance, you have an obligation to take reasonable steps to mitigate any loss or liability; ■if you make a fraudulent claim or try to deceive us, we may terminate the policy. Policy length The period of insurance is shown on your policy schedule. Your policy schedule will also show if the policy is ona continuing cover basis. If itis ona continuing cover basis, we will renew your policy each year for another 12 months and continue to take payment (including any premium adjustment shown in your renewal invitation) using your existing arrangement, unless you tell us otherwise or if your risk changes. If your policy schedule does not show that the policy is ona continuing cover basis, cover will cease at the end of the period of insurance, unless you renew your policy with us. We will provide you witha statement of fact each year and provided that the information contained within the statement of fact is true, complete and accurate, you do not need to provide us with any further information. If any of the information in your statement of fact is not true, complete and accurate, you must let us know. If you do not let us know, it may affect the validity of the policy or our ability to pay a claim. Retroactive dates, geographical and jurisdiction limits Where any section of your policy schedule includes a retroactive date, we will not make any payment for any claim or loss under that section which arises from any activity performed or any act, incident or occurrence taking place, before the retroactive date. Where any section of your policy schedule shows the geographical limits which apply to that section of the policy, we will only pay for claims and losses under that section which arise from activities performed or acts, incidents or occurrences taking place within those geographical limits. Where any section provides cover in respect of your liability to third parties, we will only cover claims first made ina country within the applicable courts stated in that section of your policy schedule. Hiscox Business Insurance Policy summary JAC-PSC-UK-DC556(5.4) 17431b 07/20 Cancellation rights You can cancel this policy by giving us 30 days' notice. You will only be charged for the premiums due up to the date of cancellation. If we need to cancel the policy, we’ll give you 30 days’ notice in writing and refund any surplus premiums you might have paid. Please note – we may deduct an administration fee from any refunded payment.There is an exception to our 30-day notice period, which is triggered when we don’t receive your Direct Debit payments within the agreed 14-day period. At this point, we will contact you as soon as possible and stop the policyPage / 2 immediately. Underwritten by:Hiscox Underwriting Ltd on behalf of the insurers named in the schedule. Page / 1 Certificate of professional indemnity insurance Dennis 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:rsnygxrvvdx Name of policy holder:Dennis Inc Period of insurance: From Sunday 14 August, 2022 to 28/08/21 both days inclusive. This policy isa Continuing cover policy Insurer: Hiscox Insurance Company Limited Retroactive date: Wed 07 June, 2023 Level of cover:£1,000,000 Signed on behalf of Hiscox Underwriting Limited as agent for the insurers Jon Dye CEO, Hiscox UK Notes: (a) This insurance is subject to policy terms and conditions and any special terms notified to the InsuredPage / 1 Hiscox Business Insurance Policy Schedule 14502 10/18 This schedule tells you what is insured with us. It should be read carefully with your policy wording(s) and statement of fact detailed elsewhere in this document. Schedule effective date: Sunday 14 August, 2022 Insurance details Policy number: rsnygxrvvdx Period of insurance: From Sunday 14 August, 2022 to 28/08/21 both days inclusive. This policy isa Continuing cover policy. Insured: Dennis Inc Address: 46 Smith route Lake Brettmouth FARNHAM S70 9XL Additional insureds: None Business: Management Consultants Premium details Charged premium – the total amount you’ll pay for this policy. Charged premium: £6,234.70 Insurance Premium Tax (IPT): £4,513.52 Total charged premium: £201.00 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: £6,234.70 Insurance Premium Tax (IPT): £4,513.52 Annual total: £201.00 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 £5,196.28 Legal protection £100,000 £0 £9,873.80 Crisis containment £25,000 - £0.00 The figures above are in summary only and are not in addition to the amount insured specified against each cover section below. Hiscox Business Insurance Policy Schedule 14502 10/18 SECTION: PROFESSIONAL INDEMNITY – MANAGEMENT CONSULTANTS Cover start date: Sunday 14 August, 2022 Limit of indemnity £1,000,000 Limit applies to in the aggregate, including all costs Excess £1,000 Excess applies to each and every claim or loss, including all costs Geographical limits Worldwide Applicable courts Worldwide (excluding United States of America and Canada) Claims brought in USA or Canada Not covered Additional covers (in addition to overall limit of indemnity stated above) Cover Limit of indemnity Limit applies to Court attendance compensation - employees £250 per person, per day Court attendance compensation - directors and partners£500 per person, per day Court attendance compensation: in total £100,000 in the aggregate Special limits (included within not in addition to the overall limit of indemnity stated above) Cover Limit of indemnity Limit applies to Personal data claims £250,000 in the aggregate, including all costs Business activities Business managementPage / 2 consultant Retroactive date Wed 07 June, 2023 Insurer Hiscox Insurance Company LimitedPage / 1 Hiscox Insurance Summary of change Introduction This document has been created to help you understand the key changes to your Hiscox Insurance policy and how they may impact you. Your policy continues to offer professional, tailored insurance to protect you and give you peace of mind that if you need us, you will be supported by our award winning claims team. If you have a query not covered by this document, or if you have any questions or concerns about your policy you should contact us. Frequently asked questions What if my circumstances change during the period of insurance? If your circumstances change during the period of insurance, you only need to let us know if the change means that any of the information in the Statement of Fact is no longer true, complete and accurate. If there are no such changes, you do not need to let us know. If any of the information within the Statement of Fact becomes no longer complete, true or accurate at any point during the period of insurance you must tell us as it may affect the validity of the policy or our ability to pay a claim. Additionally, if your contact details change then you should let us know straightaway. Where doI find the limits that apply to my policy? You can find your maximum allowable limits for turnover and wage rollin your Statement of Fact. You must check this information and tell us or your broker if you expect to exceed the maximum amounts shown. Please note these values may have changed. If there are special limits or special excesses applying to particular covers or types of losses these will be shown in the policy schedule. Please check your policy schedule carefully as they may have changed. My new schedule shows a different premium to last year? What has changed? If an underwriter has reviewed your policy then they may have manually adjusted your premium, for example if you’ve had claims in the last 12 months. Where doI find out about any endorsements on my policy? You will be able to see if an endorsement has been applied or removed by reviewing your Policy Schedule. If you have any queries or concerns, please contact us or your broker if you have one. Hiscox Insurance Summary of change Professional indemnity for business management consultants Summary of change Changes to the cover The following table shows the differences between our new policy wordings (5570 WD- PROF-UK-MAN(7), 15579 WD-PROF-UK-MAN-AG(3)) and our previous wordings (5570 WD-PROF-UK-MAN(6), 15579 WD-PROF-UK-MAN-AG(2)). This isa summary of the changes only. You should refer to the schedule and policy wording for the full description of the cover in place. Area of cover Previous policy New policy Improvement in cover Claims against you Advertising claims. We will pay claims arising from your advertising or branding for defamation or infringement of copyright or moral rights. This does not include claims for passing off, unauthorised use of trademarks or false or misleading advertising. Previously cover was not restricted to defamation or the infringement of copyright or moral rights.Covered Amended Your own lossesChanges to ‘what is covered’ Losses from dishonesty. Your losses arising from the dishonesty of your employees, sub-contractors or outsourcers.Covered Not covered Area of cover Previous policy New policy Improvement in cover Cyber incident. We will not pay claims relating to an actual or possible cyber attack, hacker or social engineering communication. Previously we excluded any virus not specifically targeted at your system.Covered Not covered Computer or digital technology error. We will not pay claims arising from any negligent act, error or omission in the operation or maintenance of computer or digital technology such as development, installation, patching or upgrading.Covered Not coveredChanges to ‘what is not covered’ Infrastructure. We will not pay claims arising from the failure of the service provided by internet, telecommunications, utilities or other infrastructure providers.Covered Not covered Hiscox Insurance Summary of change Personal data. We will not pay claims relating to personal data. We will pay such claims where they arise from your performance ofa business activity and which is not otherwise excluded. Subject to the limit shown in the schedule.Covered Not covered Other important changes Control of defence. Under the previous wording we had a duty to defend you against any covered claim brought against you. We now have the right but not the obligation to take control of the conduct of the claim including the appointment of legal representation. Please refer to the policy wording for full details. SOC-PROF-UK-MAN(1) 21367 01/21
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rsnygxrvvdx
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Sunday 14 August, 2022
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Business
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2024-02-05
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hiscox-business-2
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Hiscox Business Insurance - Policy number - BSJPN-X Company name: Hart-Kennedy It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : BSJPN-X. Company name: Hart-Kennedy. Your Hiscox Insurance premium. Last year’s annual premium: This year’s annual premium. £ 8,419.76. £ 8,419.76. The premium includes all applicable insurance premium tax (IPT). Dear Dr Malcolm Finch. Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on Tue 03 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. £6,468.70. £6,468.70. Legal protection. £309.51. £309.51. 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 Hart-Kennedy , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay. . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover. Policy summary for each cover. ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover . As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before Tue 03 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 : BSJPN-X Company name: Hart-Kennedy . It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : BSJPN-X Company name: Hart-Kennedy . Your Hiscox Insurance premium Last year’s annual premium: This year’s annual premium The premium includes all applicable insurance premium tax (IPT). £ 8,419.76 £ 8,419.76 . Your Hiscox Insurance premium . Last year’s annual premium: This year’s annual premium £ 8,419.76 £ 8,419.76 . The premium includes all applicable insurance premium tax (IPT). Dear Dr Malcolm Finch . Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on Tue 03 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 £6,468.70 £6,468.70 Legal protection £309.51 £309.51 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 Hart-Kennedy , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover Policy summary for each cover ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before Tue 03 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 Tue 03 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 £6,468.70 £6,468.70 Legal protection £309.51 £309.51 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 Hart-Kennedy , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover Policy summary for each cover ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before Tue 03 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) £6,468.70 £309.51 £0.00 . This year’s annual Premium (exc IPT) £6,468.70 £309.51 . Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) . Professional indemnity £6,468.70 £6,468.70 . Legal protection £309.51 £309.51 . 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: Malcolm Finch Frequency of collection: Annual Sort code: %BANK_SORT_CODE_1% Account number: %BANK_ACCOUNT_NUMBER_1% Your Direct Debit schedule We will take payments on the dates outlined below: Date Amount 08/02/21 £8,419.76 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: BSJPN-X If you have any questions about your policy or payments, please call us on 0800 280 0351. We’re here between 8:30am - 5:30pm Monday to Friday or you can email us at service@hiscox.co.uk. Using your personal information Hiscox isa trading name ofa number of Hiscox companies. The specific company acting asa data controller of your personal information will be listed in the documentation we provide to you. If you are unsure you can also contact us at anytime by telephoning 01904 681198 or by emailing us at dataprotectionofficer@hiscox.com. We collect and process information about you in order to provide insurance policies and to process claims. Your information is also used for business purposes such as fraud prevention and detection and financial management. This may involve sharing your information with, and obtaining information about you from, our group companies and third parties such as brokers, loss adjusters, credit reference agencies, service providers, professional advisors, our regulators or fraud prevention agencies. We may record telephone calls to help us monitor and improve the service we provide. For further information on how your information is used and your rights in relation to your information please see our privacy policy at www.hiscox.co.uk/cookies-privacy. The Direct Debit Guarantee This Guarantee is offered by all banks and building societies that accept instructions to pay Direct Debits. If there are any changes to the amount, date or frequency of your Direct Debit Hiscox Underwriting Ltd will notify you ten working days in advance of your account being debited or as otherwise agreed. If you request Hiscox Underwriting Ltd to collect a payment, confirmation of the amount and date will be given to you at the time of the request. If an error is made in the payment of your Direct Debit by Hiscox Underwriting Ltd or your bank or building society you are entitled to a full and immediate refund of the amount paid from your bank or building society. – If you receive a refund you are not entitled to, you must pay it back when Hiscox Underwriting Ltd asks you to. You can cancel a Direct Debit at anytime by simply contacting your bank or building society. Written confirmation maybe required. Please also notify us. Page / 1 Hiscox Business Insurance Policy summary JAC-PSC-UK-DC556(5.4) 17431b 07/20 Your Hiscox Business Insurance policy summaries This document contains the summaries for any policy covers you have selected to protect your business. These summaries outline the key information about your policies so you can be confident that you have understood what you have bought and what you are covered for. However, you should carefully read your policy in full and ensure that you understand its terms and conditions in full. If you have any queries, you should contact Hiscox or your insurance advisor. Your side of the bargain Remember, your premium and insurance are based on the details you have provided to us. Please make sure this information accurately reflects your business and that you inform us immediately if anything needs to change. Please also tell us of any changes in circumstances that may affect the services provided by us or the cover provided by your policy. This is particularly important before taking out a policy, but it also applies throughout the life of the policy too. You need to consider: ■if you fail to fairly present the risk to us, including by failing to disclose any information material to the insurance, you could invalidate the policy, claims may not be paid or the amount we pay maybe reduced; ■you should read and check all insurance documents to ensure that you are aware of the cover, limits and other terms that apply; ■if you fail to let us know of any changes to your circumstances during the period of insurance or, if when telling us about such changes you fail to present the risk to us fairly, you could invalidate the policy, claims may not be paid or the amount we pay maybe reduced; ■please be aware of all terms and conditions of your policy because failure to comply with them could invalidate it or result in us not paying a claim or reducing the amount we pay; ■in the event ofa claim, you should take note of the required procedures, such as giving Hiscox prompt notice of the claims, as stated in the policy documentation. In particular, if you fail to notify us when you first become aware ofa shortcoming, fact, or problem, admit you are liable for what has happened or appoint solicitors or other legal representation without our prior written approval, claims or defence costs may not be paid or the amount we pay maybe reduced; ■as with any insurance, you have an obligation to take reasonable steps to mitigate any loss or liability; ■if you make a fraudulent claim or try to deceive us, we may terminate the policy. Policy length The period of insurance is shown on your policy schedule. Your policy schedule will also show if the policy is ona continuing cover basis. If itis ona continuing cover basis, we will renew your policy each year for another 12 months and continue to take payment (including any premium adjustment shown in your renewal invitation) using your existing arrangement, unless you tell us otherwise or if your risk changes. If your policy schedule does not show that the policy is ona continuing cover basis, cover will cease at the end of the period of insurance, unless you renew your policy with us. We will provide you witha statement of fact each year and provided that the information contained within the statement of fact is true, complete and accurate, you do not need to provide us with any further information. If any of the information in your statement of fact is not true, complete and accurate, you must let us know. If you do not let us know, it may affect the validity of the policy or our ability to pay a claim. Retroactive dates, geographical and jurisdiction limits Where any section of your policy schedule includes a retroactive date, we will not make any payment for any claim or loss under that section which arises from any activity performed or any act, incident or occurrence taking place, before the retroactive date. Where any section of your policy schedule shows the geographical limits which apply to that section of the policy, we will only pay for claims and losses under that section which arise from activities performed or acts, incidents or occurrences taking place within those geographical limits. Where any section provides cover in respect of your liability to third parties, we will only cover claims first made ina country within the applicable courts stated in that section of your policy schedule. Hiscox Business Insurance Policy summary JAC-PSC-UK-DC556(5.4) 17431b 07/20 Cancellation rights You can cancel this policy by giving us 30 days' notice. You will only be charged for the premiums due up to the date of cancellation. If we need to cancel the policy, we’ll give you 30 days’ notice in writing and refund any surplus premiums you might have paid. Please note – we may deduct an administration fee from any refunded payment.There is an exception to our 30-day notice period, which is triggered when we don’t receive your Direct Debit payments within the agreed 14-day period. At this point, we will contact you as soon as possible and stop the policyPage / 2 immediately. Underwritten by:Hiscox Underwriting Ltd on behalf of the insurers named in the schedule. Page / 1 Certificate of professional indemnity insurance Hart-Kennedy Hiscox Underwriting Ltd of 1 Great St. Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Certificate of professional indemnity Insurance Policy number:BSJPN-X Name of policy holder:Hart-Kennedy Period of insurance: From Tue 03 December, 2019 to 01/11/24 both days inclusive. This policy isa Continuing cover policy Insurer: Hiscox Insurance Company Limited Retroactive date: 06/07/2023 Level of cover:£1,000,000 Signed on behalf of Hiscox Underwriting Limited as agent for the insurers Jon Dye CEO, Hiscox UK Notes: (a) This insurance is subject to policy terms and conditions and any special terms notified to the InsuredPage / 1 Hiscox Business Insurance Policy Schedule 14502 10/18 This schedule tells you what is insured with us. It should be read carefully with your policy wording(s) and statement of fact detailed elsewhere in this document. Schedule effective date: Tue 03 December, 2019 Insurance details Policy number: BSJPN-X Period of insurance: From Tue 03 December, 2019 to 01/11/24 both days inclusive. This policy isa Continuing cover policy. Insured: Hart-Kennedy Address: Studio 0 Clayton alley Cookside FARNHAM WA3 5ZF Additional insureds: None Business: Management Consultants Premium details Charged premium – the total amount you’ll pay for this policy. Charged premium: £2,605.15 Insurance Premium Tax (IPT): £1,761.50 Total charged premium: £8,419.76 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: £2,605.15 Insurance Premium Tax (IPT): £1,761.50 Annual total: £8,419.76 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 £6,468.70 Legal protection £100,000 £0 £309.51 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: Tue 03 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 06/07/2023 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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BSJPN-X
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(?<=Policy number - )[-\w_\/\.]+?(?= Company name)
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Tue 03 December, 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 - ubxbzjemjmxq Company name: Morris, Wall and Jones It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : ubxbzjemjmxq. Company name: Morris, Wall and Jones. Your Hiscox Insurance premium. Last year’s annual premium: This year’s annual premium. £ 4,067.18. £ 4,067.18. The premium includes all applicable insurance premium tax (IPT). Dear Mr Dale Green. 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. £8,536.47. £8,536.47. Legal protection. £4,929.10. £4,929.10. Crisis containment. £0.00. Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy . Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government increase in Insurance Premium Tax as shown. Is our information correct? Your premium and cover are based on what you’ve told us about Morris, Wall and Jones , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay. . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover. Policy summary for each cover. ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover . As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before 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 : ubxbzjemjmxq Company name: Morris, Wall and Jones . It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : ubxbzjemjmxq Company name: Morris, Wall and Jones . Your Hiscox Insurance premium Last year’s annual premium: This year’s annual premium The premium includes all applicable insurance premium tax (IPT). £ 4,067.18 £ 4,067.18 . Your Hiscox Insurance premium . Last year’s annual premium: This year’s annual premium £ 4,067.18 £ 4,067.18 . The premium includes all applicable insurance premium tax (IPT). Dear Mr Dale Green . 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 £8,536.47 £8,536.47 Legal protection £4,929.10 £4,929.10 Crisis containment £0.00 Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government increase in Insurance Premium Tax as shown. Is our information correct? Your premium and cover are based on what you’ve told us about Morris, Wall and Jones , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover Policy summary for each cover ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before 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 £8,536.47 £8,536.47 Legal protection £4,929.10 £4,929.10 Crisis containment £0.00 Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government increase in Insurance Premium Tax as shown. Is our information correct? Your premium and cover are based on what you’ve told us about Morris, Wall and Jones , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover Policy summary for each cover ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before 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) £8,536.47 £4,929.10 £0.00 . This year’s annual Premium (exc IPT) £8,536.47 £4,929.10 . Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) . Professional indemnity £8,536.47 £8,536.47 . Legal protection £4,929.10 £4,929.10 . Crisis containment £0.00 . Kind regards Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre . Kind regards . Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave . To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre . Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Page / 1 Hiscox Business Insurance Policy wording 17431a - DC565 WORDING 04/17Guide to sectionsIntroduction Policy wordings General terms and conditions Professional indemnity for business management consultants Legal protection Crisis containment Hiscox Business Insurance Policy wording 17431a - DC565 WORDING 04/17IntroductionThank you for choosing Hiscox to protect your business. We hope that the language and layout of this policy wording are clear because we want you to understand the insurance we provide as well as the responsibilities we have to each other. Please read this document, including the policy schedule, policy summary and statement of fact, and let us know as soon as possible if any of the details are shown incorrectly. We always try to deliver to the highest standards of service. Your views are important to us, so if you feel that our service is below the standard you would expect from Hiscox, please contact us on the phone number shown in your policy schedule. Please note that some of the words we use in this insurance are shown in bold type. These words are defined in each section of the wording. Page / 1 Hiscox Insurance Payment schedule Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Thank you for continuing to pay for your policy by Direct Debit. Please check these details and let us know if anything is incorrect or if the schedule is not suitable. Your reference details Account holder name: Dale 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 Tuesday 20 October, 2020 £4,067.18 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: ubxbzjemjmxq If you have any questions about your policy or payments, please call us on 0800 280 0351. We’re here between 8:30am - 5:30pm Monday to Friday or you can email us at service@hiscox.co.uk. Using your personal information Hiscox isa trading name ofa number of Hiscox companies. The specific company acting asa data controller of your personal information will be listed in the documentation we provide to you. If you are unsure you can also contact us at anytime by telephoning 01904 681198 or by emailing us at dataprotectionofficer@hiscox.com. We collect and process information about you in order to provide insurance policies and to process claims. Your information is also used for business purposes such as fraud prevention and detection and financial management. This may involve sharing your information with, and obtaining information about you from, our group companies and third parties such as brokers, loss adjusters, credit reference agencies, service providers, professional advisors, our regulators or fraud prevention agencies. We may record telephone calls to help us monitor and improve the service we provide. For further information on how your information is used and your rights in relation to your information please see our privacy policy at www.hiscox.co.uk/cookies-privacy. The Direct Debit Guarantee This Guarantee is offered by all banks and building societies that accept instructions to pay Direct Debits. If there are any changes to the amount, date or frequency of your Direct Debit Hiscox Underwriting Ltd will notify you ten working days in advance of your account being debited or as otherwise agreed. If you request Hiscox Underwriting Ltd to collect a payment, confirmation of the amount and date will be given to you at the time of the request. If an error is made in the payment of your Direct Debit by Hiscox Underwriting Ltd or your bank or building society you are entitled to a full and immediate refund of the amount paid from your bank or building society. – If you receive a refund you are not entitled to, you must pay it back when Hiscox Underwriting Ltd asks you to. You can cancel a Direct Debit at anytime by simply contacting your bank or building society. Written confirmation maybe required. Please also notify us. Page / 1 Hiscox Business Insurance Policy summary JAC-PSC-UK-DC556(5.4) 17431b 07/20 Your Hiscox Business Insurance policy summaries This document contains the summaries for any policy covers you have selected to protect your business. These summaries outline the key information about your policies so you can be confident that you have understood what you have bought and what you are covered for. However, you should carefully read your policy in full and ensure that you understand its terms and conditions in full. If you have any queries, you should contact Hiscox or your insurance advisor. Your side of the bargain Remember, your premium and insurance are based on the details you have provided to us. Please make sure this information accurately reflects your business and that you inform us immediately if anything needs to change. Please also tell us of any changes in circumstances that may affect the services provided by us or the cover provided by your policy. This is particularly important before taking out a policy, but it also applies throughout the life of the policy too. You need to consider: ■if you fail to fairly present the risk to us, including by failing to disclose any information material to the insurance, you could invalidate the policy, claims may not be paid or the amount we pay maybe reduced; ■you should read and check all insurance documents to ensure that you are aware of the cover, limits and other terms that apply; ■if you fail to let us know of any changes to your circumstances during the period of insurance or, if when telling us about such changes you fail to present the risk to us fairly, you could invalidate the policy, claims may not be paid or the amount we pay maybe reduced; ■please be aware of all terms and conditions of your policy because failure to comply with them could invalidate it or result in us not paying a claim or reducing the amount we pay; ■in the event ofa claim, you should take note of the required procedures, such as giving Hiscox prompt notice of the claims, as stated in the policy documentation. In particular, if you fail to notify us when you first become aware ofa shortcoming, fact, or problem, admit you are liable for what has happened or appoint solicitors or other legal representation without our prior written approval, claims or defence costs may not be paid or the amount we pay maybe reduced; ■as with any insurance, you have an obligation to take reasonable steps to mitigate any loss or liability; ■if you make a fraudulent claim or try to deceive us, we may terminate the policy. Policy length The period of insurance is shown on your policy schedule. Your policy schedule will also show if the policy is ona continuing cover basis. If itis ona continuing cover basis, we will renew your policy each year for another 12 months and continue to take payment (including any premium adjustment shown in your renewal invitation) using your existing arrangement, unless you tell us otherwise or if your risk changes. If your policy schedule does not show that the policy is ona continuing cover basis, cover will cease at the end of the period of insurance, unless you renew your policy with us. We will provide you witha statement of fact each year and provided that the information contained within the statement of fact is true, complete and accurate, you do not need to provide us with any further information. If any of the information in your statement of fact is not true, complete and accurate, you must let us know. If you do not let us know, it may affect the validity of the policy or our ability to pay a claim. Retroactive dates, geographical and jurisdiction limits Where any section of your policy schedule includes a retroactive date, we will not make any payment for any claim or loss under that section which arises from any activity performed or any act, incident or occurrence taking place, before the retroactive date. Where any section of your policy schedule shows the geographical limits which apply to that section of the policy, we will only pay for claims and losses under that section which arise from activities performed or acts, incidents or occurrences taking place within those geographical limits. Where any section provides cover in respect of your liability to third parties, we will only cover claims first made ina country within the applicable courts stated in that section of your policy schedule. Hiscox Business Insurance Policy summary JAC-PSC-UK-DC556(5.4) 17431b 07/20 Cancellation rights You can cancel this policy by giving us 30 days' notice. You will only be charged for the premiums due up to the date of cancellation. If we need to cancel the policy, we’ll give you 30 days’ notice in writing and refund any surplus premiums you might have paid. Please note – we may deduct an administration fee from any refunded payment.There is an exception to our 30-day notice period, which is triggered when we don’t receive your Direct Debit payments within the agreed 14-day period. At this point, we will contact you as soon as possible and stop the policyPage / 2 immediately. Underwritten by:Hiscox Underwriting Ltd on behalf of the insurers named in the schedule. Page / 1 Certificate of professional indemnity insurance Morris, Wall and Jones Hiscox Underwriting Ltd of 1 Great St. Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Certificate of professional indemnity Insurance Policy number:ubxbzjemjmxq Name of policy holder:Morris, Wall and Jones Period of insurance: From Fri 26 September, 2025 to Sat 18 January, 2020 both days inclusive. This policy isa Continuing cover policy Insurer: Hiscox Insurance Company Limited Retroactive date: 2020-04-06 Level of cover:£1,000,000 Signed on behalf of Hiscox Underwriting Limited as agent for the insurers Jon Dye CEO, Hiscox UK Notes: (a) This insurance is subject to policy terms and conditions and any special terms notified to the InsuredPage / 1 Hiscox Business Insurance Policy Schedule 14502 10/18 This schedule tells you what is insured 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: ubxbzjemjmxq Period of insurance: From Fri 26 September, 2025 to Sat 18 January, 2020 both days inclusive. This policy isa Continuing cover policy. Insured: Morris, Wall and Jones Address: 205 Pauline greens North Gordonport FARNHAM N3A 9DG Additional insureds: None Business: Management Consultants Premium details Charged premium – the total amount you’ll pay for this policy. Charged premium: £1,683.42 Insurance Premium Tax (IPT): £7,673.43 Total charged premium: £4,067.18 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: £1,683.42 Insurance Premium Tax (IPT): £7,673.43 Annual total: £4,067.18 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 £8,536.47 Legal protection £100,000 £0 £4,929.10 Crisis containment £25,000 - £0.00 The figures above are in summary only and are not in addition to the amount insured specified against each cover section below. Hiscox Business Insurance Policy Schedule 14502 10/18 SECTION: PROFESSIONAL INDEMNITY – MANAGEMENT CONSULTANTS Cover start date: 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 2020-04-06 Insurer Hiscox Insurance Company LimitedPage / 1 Hiscox Insurance Summary of change Introduction This document has been created to help you understand the key changes to your Hiscox Insurance policy and how they may impact you. Your policy continues to offer professional, tailored insurance to protect you and give you peace of mind that if you need us, you will be supported by our award winning claims team. If you have a query not covered by this document, or if you have any questions or concerns about your policy you should contact us. Frequently asked questions What if my circumstances change during the period of insurance? If your circumstances change during the period of insurance, you only need to let us know if the change means that any of the information in the Statement of Fact is no longer true, complete and accurate. If there are no such changes, you do not need to let us know. If any of the information within the Statement of Fact becomes no longer complete, true or accurate at any point during the period of insurance you must tell us as it may affect the validity of the policy or our ability to pay a claim. Additionally, if your contact details change then you should let us know straightaway. Where doI find the limits that apply to my policy? You can find your maximum allowable limits for turnover and wage rollin your Statement of Fact. You must check this information and tell us or your broker if you expect to exceed the maximum amounts shown. Please note these values may have changed. If there are special limits or special excesses applying to particular covers or types of losses these will be shown in the policy schedule. Please check your policy schedule carefully as they may have changed. My new schedule shows a different premium to last year? What has changed? If an underwriter has reviewed your policy then they may have manually adjusted your premium, for example if you’ve had claims in the last 12 months. Where doI find out about any endorsements on my policy? You will be able to see if an endorsement has been applied or removed by reviewing your Policy Schedule. If you have any queries or concerns, please contact us or your broker if you have one. Hiscox Insurance Summary of change Professional indemnity for business management consultants Summary of change Changes to the cover The following table shows the differences between our new policy wordings (5570 WD- PROF-UK-MAN(7), 15579 WD-PROF-UK-MAN-AG(3)) and our previous wordings (5570 WD-PROF-UK-MAN(6), 15579 WD-PROF-UK-MAN-AG(2)). This isa summary of the changes only. You should refer to the schedule and policy wording for the full description of the cover in place. Area of cover Previous policy New policy Improvement in cover Claims against you Advertising claims. We will pay claims arising from your advertising or branding for defamation or infringement of copyright or moral rights. This does not include claims for passing off, unauthorised use of trademarks or false or misleading advertising. Previously cover was not restricted to defamation or the infringement of copyright or moral rights.Covered Amended Your own lossesChanges to ‘what is covered’ Losses from dishonesty. Your losses arising from the dishonesty of your employees, sub-contractors or outsourcers.Covered Not covered Area of cover Previous policy New policy Improvement in cover Cyber incident. We will not pay claims relating to an actual or possible cyber attack, hacker or social engineering communication. Previously we excluded any virus not specifically targeted at your system.Covered Not covered Computer or digital technology error. We will not pay claims arising from any negligent act, error or omission in the operation or maintenance of computer or digital technology such as development, installation, patching or upgrading.Covered Not coveredChanges to ‘what is not covered’ Infrastructure. We will not pay claims arising from the failure of the service provided by internet, telecommunications, utilities or other infrastructure providers.Covered Not covered Hiscox Insurance Summary of change Personal data. We will not pay claims relating to personal data. We will pay such claims where they arise from your performance ofa business activity and which is not otherwise excluded. Subject to the limit shown in the schedule.Covered Not covered Other important changes Control of defence. Under the previous wording we had a duty to defend you against any covered claim brought against you. We now have the right but not the obligation to take control of the conduct of the 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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ubxbzjemjmxq
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(?<=Policy number - )[-\w_\/\.]+?(?= Company name)
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Fri 26 September, 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 - Y2EZH9.P/KRRL Company name: Potter-White It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : Y2EZH9.P/KRRL. Company name: Potter-White. Your Hiscox Insurance premium. Last year’s annual premium: This year’s annual premium. £ 1,023.39. £ 1,023.39. The premium includes all applicable insurance premium tax (IPT). Dear Dr Dr Norman Rose. Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 10/04/21 . Good news; if you want cover to continue with us and to make sure you stay protected by our award-winning cover, you do not need to do anything. We will update your policy onto our latest wording and continue to collect payment using the payment details we have for you. You must read the important information contained in this email and the attached documents. Your Hiscox Insurance Premium breakdown. The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). The amount shown as last year’s Annual premium will take into account any changes to the cover which may have been made during the last policy period. Cover. Last year’s annual premium (exc IPT). This year’s annual Premium (exc IPT). Professional indemnity. £4,566.18. £4,566.18. Legal protection. £5,845.23. £5,845.23. 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 Potter-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 10/04/21 . We’re here between 8:30am - 5:30pm Monday to Friday . Please note that we can only discuss policy changes with people named on the policy. Why renew with Hiscox. - Reassuring: we offer a range of cover options that can be tailored to your needs. - Flexible: we offer full flexibility to change your policy, with no administration fees . - Award-winning cover : we’ve been named Best Small Business Insurer 7 years running by Start Your Business Magazine . Please click this link for the Hiscox Referral Portal: https://refer.aklamio.com/hiscox/uk?source=postpurchase. Thank you again for choosing Hiscox to insure your business. We hope you and your business have a very successful year. Kind regards. Jon Dye. CEO, Hiscox UK. Business Insurance for the small and the brave. To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre. Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. This email and any files transmitted with it are confidential and intended solely for the use of the individual or entity to whom they are addressed. No one else is authorised to distribute, forward, print, copy or act upon any information contained in this email. If you have received this email in error, please notify the sender. Hiscox Syndicates Limited and Hiscox Insurance Company Limited are authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Hiscox Underwriting Limited, Hiscox Underwriting Services Ltd, Hiscox MGA Ltd and Hiscox ASM Ltd are authorised and regulated by the Financial Conduct Authority. Hiscox Assure SAS is duly registered as an insurance broker with the ORIAS, which is the French Official Registry of Insurance Intermediaries. Hiscox plc is a company registered in England and Wales under company registration number 2837811 and registered office at 1 Great St Helen's, London EC3A 6HX. Hiscox SA is a company registered in Luxembourg at 35 Avenue John F. Kennedy 35F, Luxembourg L-1855, and is authorised by the Commissariat aux Assurances de Luxembourg. It’s time to renew your Hiscox Business Insurance Hiscox Insurance policy number : Y2EZH9.P/KRRL Company name: Potter-White . It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : Y2EZH9.P/KRRL Company name: Potter-White . Your Hiscox Insurance premium Last year’s annual premium: This year’s annual premium The premium includes all applicable insurance premium tax (IPT). £ 1,023.39 £ 1,023.39 . Your Hiscox Insurance premium . Last year’s annual premium: This year’s annual premium £ 1,023.39 £ 1,023.39 . The premium includes all applicable insurance premium tax (IPT). Dear Dr Dr Norman Rose . Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 10/04/21 . Good news; if you want cover to continue with us and to make sure you stay protected by our award-winning cover, you do not need to do anything. We will update your policy onto our latest wording and continue to collect payment using the payment details we have for you. You must read the important information contained in this email and the attached documents Your Hiscox Insurance Premium breakdown The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). The amount shown as last year’s Annual premium will take into account any changes to the cover which may have been made during the last policy period. Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) Professional indemnity £4,566.18 £4,566.18 Legal protection £5,845.23 £5,845.23 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 Potter-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 10/04/21 . We’re here between 8:30am - 5:30pm Monday to Friday . Please note that we can only discuss policy changes with people named on the policy. Why renew with Hiscox - Reassuring: we offer a range of cover options that can be tailored to your needs - Flexible: we offer full flexibility to change your policy, with no administration fees - Award-winning cover : we’ve been named Best Small Business Insurer 7 years running by Start Your Business Magazine Please click this link for the Hiscox Referral Portal: https://refer.aklamio.com/hiscox/uk?source=postpurchase Thank you again for choosing Hiscox to insure your business. We hope you and your business have a very successful year. Kind regards Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 10/04/21 . Good news; if you want cover to continue with us and to make sure you stay protected by our award-winning cover, you do not need to do anything. We will update your policy onto our latest wording and continue to collect payment using the payment details we have for you. You must read the important information contained in this email and the attached documents Your Hiscox Insurance Premium breakdown The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). The amount shown as last year’s Annual premium will take into account any changes to the cover which may have been made during the last policy period. Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) Professional indemnity £4,566.18 £4,566.18 Legal protection £5,845.23 £5,845.23 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 Potter-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 10/04/21 . We’re here between 8:30am - 5:30pm Monday to Friday . Please note that we can only discuss policy changes with people named on the policy. Why renew with Hiscox - Reassuring: we offer a range of cover options that can be tailored to your needs - Flexible: we offer full flexibility to change your policy, with no administration fees - Award-winning cover : we’ve been named Best Small Business Insurer 7 years running by Start Your Business Magazine Please click this link for the Hiscox Referral Portal: https://refer.aklamio.com/hiscox/uk?source=postpurchase Thank you again for choosing Hiscox to insure your business. We hope you and your business have a very successful year. Kind regards Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Your Hiscox Insurance Premium breakdown The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). Cover Professional indemnity Legal protection Crisis containment . Last year’s annual premium (exc IPT) £4,566.18 £5,845.23 £0.00 . This year’s annual Premium (exc IPT) £4,566.18 £5,845.23 . Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) . Professional indemnity £4,566.18 £4,566.18 . Legal protection £5,845.23 £5,845.23 . 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: Dr Norman Rose Frequency of collection: Annual Sort code: %BANK_SORT_CODE_1% Account number: %BANK_ACCOUNT_NUMBER_1% Your Direct Debit schedule We will take payments on the dates outlined below: Date Amount 25/08/2023 £1,023.39 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: Y2EZH9.P/KRRL If you have any questions about your policy or payments, please call us on 0800 280 0351. We’re here between 8:30am - 5:30pm Monday to Friday or you can email us at service@hiscox.co.uk. Using your personal information Hiscox isa trading name ofa number of Hiscox companies. The specific company acting asa data controller of your personal information will be listed in the documentation we provide to you. If you are unsure you can also contact us at anytime by telephoning 01904 681198 or by emailing us at dataprotectionofficer@hiscox.com. We collect and process information about you in order to provide insurance policies and to process claims. Your information is also used for business purposes such as fraud prevention and detection and financial management. This may involve sharing your information with, and obtaining information about you from, our group companies and third parties such as brokers, loss adjusters, credit reference agencies, service providers, professional advisors, our regulators or fraud prevention agencies. We may record telephone calls to help us monitor and improve the service we provide. For further information on how your information is used and your rights in relation to your information please see our privacy policy at www.hiscox.co.uk/cookies-privacy. The Direct Debit Guarantee This Guarantee is offered by all banks and building societies that accept instructions to pay Direct Debits. If there are any changes to the amount, date or frequency of your Direct Debit Hiscox Underwriting Ltd will notify you ten working days in advance of your account being debited or as otherwise agreed. If you request Hiscox Underwriting Ltd to collect a payment, confirmation of the amount and date will be given to you at the time of the request. If an error is made in the payment of your Direct Debit by Hiscox Underwriting Ltd or your bank or building society you are entitled to a full and immediate refund of the amount paid from your bank or building society. – If you receive a refund you are not entitled to, you must pay it back when Hiscox Underwriting Ltd asks you to. You can cancel a Direct Debit at anytime by simply contacting your bank or building society. Written confirmation maybe required. Please also notify us. Page / 1 Hiscox Business Insurance Policy summary JAC-PSC-UK-DC556(5.4) 17431b 07/20 Your Hiscox Business Insurance policy summaries This document contains the summaries for any policy covers you have selected to protect your business. These summaries outline the key information about your policies so you can be confident that you have understood what you have bought and what you are covered for. However, you should carefully read your policy in full and ensure that you understand its terms and conditions in full. If you have any queries, you should contact Hiscox or your insurance advisor. Your side of the bargain Remember, your premium and insurance are based on the details you have provided to us. Please make sure this information accurately reflects your business and that you inform us immediately if anything needs to change. Please also tell us of any changes in circumstances that may affect the services provided by us or the cover provided by your policy. This is particularly important before taking out a policy, but it also applies throughout the life of the policy too. You need to consider: ■if you fail to fairly present the risk to us, including by failing to disclose any information material to the insurance, you could invalidate the policy, claims may not be paid or the amount we pay maybe reduced; ■you should read and check all insurance documents to ensure that you are aware of the cover, limits and other terms that apply; ■if you fail to let us know of any changes to your circumstances during the period of insurance or, if when telling us about such changes you fail to present the risk to us fairly, you could invalidate the policy, claims may not be paid or the amount we pay maybe reduced; ■please be aware of all terms and conditions of your policy because failure to comply with them could invalidate it or result in us not paying a claim or reducing the amount we pay; ■in the event ofa claim, you should take note of the required procedures, such as giving Hiscox prompt notice of the claims, as stated in the policy documentation. In particular, if you fail to notify us when you first become aware ofa shortcoming, fact, or problem, admit you are liable for what has happened or appoint solicitors or other legal representation without our prior written approval, claims or defence costs may not be paid or the amount we pay maybe reduced; ■as with any insurance, you have an obligation to take reasonable steps to mitigate any loss or liability; ■if you make a fraudulent claim or try to deceive us, we may terminate the policy. Policy length The period of insurance is shown on your policy schedule. Your policy schedule will also show if the policy is ona continuing cover basis. If itis ona continuing cover basis, we will renew your policy each year for another 12 months and continue to take payment (including any premium adjustment shown in your renewal invitation) using your existing arrangement, unless you tell us otherwise or if your risk changes. If your policy schedule does not show that the policy is ona continuing cover basis, cover will cease at the end of the period of insurance, unless you renew your policy with us. We will provide you witha statement of fact each year and provided that the information contained within the statement of fact is true, complete and accurate, you do not need to provide us with any further information. If any of the information in your statement of fact is not true, complete and accurate, you must let us know. If you do not let us know, it may affect the validity of the policy or our ability to pay a claim. Retroactive dates, geographical and jurisdiction limits Where any section of your policy schedule includes a retroactive date, we will not make any payment for any claim or loss under that section which arises from any activity performed or any act, incident or occurrence taking place, before the retroactive date. Where any section of your policy schedule shows the geographical limits which apply to that section of the policy, we will only pay for claims and losses under that section which arise from activities performed or acts, incidents or occurrences taking place within those geographical limits. Where any section provides cover in respect of your liability to third parties, we will only cover claims first made ina country within the applicable courts stated in that section of your policy schedule. Hiscox Business Insurance Policy summary JAC-PSC-UK-DC556(5.4) 17431b 07/20 Cancellation rights You can cancel this policy by giving us 30 days' notice. You will only be charged for the premiums due up to the date of cancellation. If we need to cancel the policy, we’ll give you 30 days’ notice in writing and refund any surplus premiums you might have paid. Please note – we may deduct an administration fee from any refunded payment.There is an exception to our 30-day notice period, which is triggered when we don’t receive your Direct Debit payments within the agreed 14-day period. At this point, we will contact you as soon as possible and stop the policyPage / 2 immediately. Underwritten by:Hiscox Underwriting Ltd on behalf of the insurers named in the schedule. Page / 1 Certificate of professional indemnity insurance Potter-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:Y2EZH9.P/KRRL Name of policy holder:Potter-White Period of insurance: From 10/04/21 to 2024-01-19 both days inclusive. This policy isa Continuing cover policy Insurer: Hiscox Insurance Company Limited Retroactive date: 14/01/21 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: 10/04/21 Insurance details Policy number: Y2EZH9.P/KRRL Period of insurance: From 10/04/21 to 2024-01-19 both days inclusive. This policy isa Continuing cover policy. Insured: Potter-White Address: 1 Dylan plaza Bradleyberg FARNHAM M6B 0LZ Additional insureds: None Business: Management Consultants Premium details Charged premium – the total amount you’ll pay for this policy. Charged premium: £4,847.23 Insurance Premium Tax (IPT): £8,584.11 Total charged premium: £1,023.39 Annualised premium – the annual premium for this policy. This is given for comparison purposes. Please refer to the charged premium section for the amount you’ll pay for the policy. Annual premium: £4,847.23 Insurance Premium Tax (IPT): £8,584.11 Annual total: £1,023.39 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 £4,566.18 Legal protection £100,000 £0 £5,845.23 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: 10/04/21 Limit of indemnity £1,000,000 Limit applies to in the aggregate, including all costs Excess £1,000 Excess applies to each and every claim or loss, including all costs Geographical limits Worldwide Applicable courts Worldwide (excluding United States of America and Canada) Claims brought in USA or Canada Not covered Additional covers (in addition to overall limit of indemnity stated above) Cover Limit of indemnity Limit applies to Court attendance compensation - employees £250 per person, per day Court attendance compensation - directors and partners£500 per person, per day Court attendance compensation: in total £100,000 in the aggregate Special limits (included within not in addition to the overall limit of indemnity stated above) Cover Limit of indemnity Limit applies to Personal data claims £250,000 in the aggregate, including all costs Business activities Business managementPage / 2 consultant Retroactive date 14/01/21 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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Y2EZH9.P/KRRL
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(?<=Policy number - )[-\w_\/\.]+?(?= Company name)
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10/04/21
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(?<=anniversary of your policy is approaching on )[-\w_\/\. ,]+?(?= \.)
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Business
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(?<=time to renew your Hiscox )[-\w_\/\. ]+?(?= Insurance)
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2024-02-05
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hiscox-business-2
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Hiscox Business Insurance - Policy number - ch.eih__jtu-luvsljubor Company name: Hunt Inc It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : ch.eih__jtu-luvsljubor. Company name: Hunt Inc. Your Hiscox Insurance premium. Last year’s annual premium: This year’s annual premium. £ 523.45. £ 523.45. The premium includes all applicable insurance premium tax (IPT). Dear Ms Mr Robin Pearce. Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 23/02/20 . Good news; if you want cover to continue with us and to make sure you stay protected by our award-winning cover, you do not need to do anything. We will update your policy onto our latest wording and continue to collect payment using the payment details we have for you. You must read the important information contained in this email and the attached documents. Your Hiscox Insurance Premium breakdown. The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). The amount shown as last year’s Annual premium will take into account any changes to the cover which may have been made during the last policy period. Cover. Last year’s annual premium (exc IPT). This year’s annual Premium (exc IPT). Professional indemnity. £1,812.73. £1,812.73. Legal protection. £5,312.69. £5,312.69. 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 Hunt 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 23/02/20 . We’re here between 8:30am - 5:30pm Monday to Friday . Please note that we can only discuss policy changes with people named on the policy. Why renew with Hiscox. - Reassuring: we offer a range of cover options that can be tailored to your needs. - Flexible: we offer full flexibility to change your policy, with no administration fees . - Award-winning cover : we’ve been named Best Small Business Insurer 7 years running by Start Your Business Magazine . Please click this link for the Hiscox Referral Portal: https://refer.aklamio.com/hiscox/uk?source=postpurchase. Thank you again for choosing Hiscox to insure your business. We hope you and your business have a very successful year. Kind regards. Jon Dye. CEO, Hiscox UK. Business Insurance for the small and the brave. To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre. Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. This email and any files transmitted with it are confidential and intended solely for the use of the individual or entity to whom they are addressed. No one else is authorised to distribute, forward, print, copy or act upon any information contained in this email. If you have received this email in error, please notify the sender. Hiscox Syndicates Limited and Hiscox Insurance Company Limited are authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Hiscox Underwriting Limited, Hiscox Underwriting Services Ltd, Hiscox MGA Ltd and Hiscox ASM Ltd are authorised and regulated by the Financial Conduct Authority. Hiscox Assure SAS is duly registered as an insurance broker with the ORIAS, which is the French Official Registry of Insurance Intermediaries. Hiscox plc is a company registered in England and Wales under company registration number 2837811 and registered office at 1 Great St Helen's, London EC3A 6HX. Hiscox SA is a company registered in Luxembourg at 35 Avenue John F. Kennedy 35F, Luxembourg L-1855, and is authorised by the Commissariat aux Assurances de Luxembourg. It’s time to renew your Hiscox Business Insurance Hiscox Insurance policy number : ch.eih__jtu-luvsljubor Company name: Hunt Inc . It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : ch.eih__jtu-luvsljubor Company name: Hunt Inc . Your Hiscox Insurance premium Last year’s annual premium: This year’s annual premium The premium includes all applicable insurance premium tax (IPT). £ 523.45 £ 523.45 . Your Hiscox Insurance premium . Last year’s annual premium: This year’s annual premium £ 523.45 £ 523.45 . The premium includes all applicable insurance premium tax (IPT). Dear Ms Mr Robin Pearce . Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 23/02/20 . Good news; if you want cover to continue with us and to make sure you stay protected by our award-winning cover, you do not need to do anything. We will update your policy onto our latest wording and continue to collect payment using the payment details we have for you. You must read the important information contained in this email and the attached documents Your Hiscox Insurance Premium breakdown The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). The amount shown as last year’s Annual premium will take into account any changes to the cover which may have been made during the last policy period. Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) Professional indemnity £1,812.73 £1,812.73 Legal protection £5,312.69 £5,312.69 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 Hunt 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 23/02/20 . We’re here between 8:30am - 5:30pm Monday to Friday . Please note that we can only discuss policy changes with people named on the policy. Why renew with Hiscox - Reassuring: we offer a range of cover options that can be tailored to your needs - Flexible: we offer full flexibility to change your policy, with no administration fees - Award-winning cover : we’ve been named Best Small Business Insurer 7 years running by Start Your Business Magazine Please click this link for the Hiscox Referral Portal: https://refer.aklamio.com/hiscox/uk?source=postpurchase Thank you again for choosing Hiscox to insure your business. We hope you and your business have a very successful year. Kind regards Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 23/02/20 . Good news; if you want cover to continue with us and to make sure you stay protected by our award-winning cover, you do not need to do anything. We will update your policy onto our latest wording and continue to collect payment using the payment details we have for you. You must read the important information contained in this email and the attached documents Your Hiscox Insurance Premium breakdown The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). The amount shown as last year’s Annual premium will take into account any changes to the cover which may have been made during the last policy period. Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) Professional indemnity £1,812.73 £1,812.73 Legal protection £5,312.69 £5,312.69 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 Hunt 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 23/02/20 . We’re here between 8:30am - 5:30pm Monday to Friday . Please note that we can only discuss policy changes with people named on the policy. Why renew with Hiscox - Reassuring: we offer a range of cover options that can be tailored to your needs - Flexible: we offer full flexibility to change your policy, with no administration fees - Award-winning cover : we’ve been named Best Small Business Insurer 7 years running by Start Your Business Magazine Please click this link for the Hiscox Referral Portal: https://refer.aklamio.com/hiscox/uk?source=postpurchase Thank you again for choosing Hiscox to insure your business. We hope you and your business have a very successful year. Kind regards Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Your Hiscox Insurance Premium breakdown The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). Cover Professional indemnity Legal protection Crisis containment . Last year’s annual premium (exc IPT) £1,812.73 £5,312.69 £0.00 . This year’s annual Premium (exc IPT) £1,812.73 £5,312.69 . Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) . Professional indemnity £1,812.73 £1,812.73 . Legal protection £5,312.69 £5,312.69 . Crisis containment £0.00 . Kind regards Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre . Kind regards . Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave . To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre . Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Page / 1 Hiscox Business Insurance Policy wording 17431a - DC565 WORDING 04/17Guide to sectionsIntroduction Policy wordings General terms and conditions Professional indemnity for business management consultants Legal protection Crisis containment Hiscox Business Insurance Policy wording 17431a - DC565 WORDING 04/17IntroductionThank you for choosing Hiscox to protect your business. We hope that the language and layout of this policy wording are clear because we want you to understand the insurance we provide as well as the responsibilities we have to each other. Please read this document, including the policy schedule, policy summary and statement of fact, and let us know as soon as possible if any of the details are shown incorrectly. We always try to deliver to the highest standards of service. Your views are important to us, so if you feel that our service is below the standard you would expect from Hiscox, please contact us on the phone number shown in your policy schedule. Please note that some of the words we use in this insurance are shown in bold type. These words are defined in each section of the wording. Page / 1 Hiscox Insurance Payment schedule Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Thank you for continuing to pay for your policy by Direct Debit. Please check these details and let us know if anything is incorrect or if the schedule is not suitable. Your reference details Account holder name: Mr Robin Pearce Frequency of collection: Annual Sort code: %BANK_SORT_CODE_1% Account number: %BANK_ACCOUNT_NUMBER_1% Your Direct Debit schedule We will take payments on the dates outlined below: Date Amount Thu 12 September, 2024 £523.45 Where your chosen collection date falls ona non-working day then we will endeavour to collect the next working day. For your information, the collections will be made using the following reference number: Originator Identification Number: 293461 Reference Number: ch.eih__jtu-luvsljubor If you have any questions about your policy or payments, please call us on 0800 280 0351. We’re here between 8:30am - 5:30pm Monday to Friday or you can email us at service@hiscox.co.uk. Using your personal information Hiscox isa trading name ofa number of Hiscox companies. The specific company acting asa data controller of your personal information will be listed in the documentation we provide to you. If you are unsure you can also contact us at anytime by telephoning 01904 681198 or by emailing us at dataprotectionofficer@hiscox.com. We collect and process information about you in order to provide insurance policies and to process claims. Your information is also used for business purposes such as fraud prevention and detection and financial management. This may involve sharing your information with, and obtaining information about you from, our group companies and third parties such as brokers, loss adjusters, credit reference agencies, service providers, professional advisors, our regulators or fraud prevention agencies. We may record telephone calls to help us monitor and improve the service we provide. For further information on how your information is used and your rights in relation to your information please see our privacy policy at www.hiscox.co.uk/cookies-privacy. The Direct Debit Guarantee This Guarantee is offered by all banks and building societies that accept instructions to pay Direct Debits. If there are any changes to the amount, date or frequency of your Direct Debit Hiscox Underwriting Ltd will notify you ten working days in advance of your account being debited or as otherwise agreed. If you request Hiscox Underwriting Ltd to collect a payment, confirmation of the amount and date will be given to you at the time of the request. If an error is made in the payment of your Direct Debit by Hiscox Underwriting Ltd or your bank or building society you are entitled to a full and immediate refund of the amount paid from your bank or building society. – If you receive a refund you are not entitled to, you must pay it back when Hiscox Underwriting Ltd asks you to. You can cancel a Direct Debit at anytime by simply contacting your bank or building society. Written confirmation maybe required. Please also notify us. Page / 1 Hiscox Business Insurance Policy summary JAC-PSC-UK-DC556(5.4) 17431b 07/20 Your Hiscox Business Insurance policy summaries This document contains the summaries for any policy covers you have selected to protect your business. These summaries outline the key information about your policies so you can be confident that you have understood what you have bought and what you are covered for. However, you should carefully read your policy in full and ensure that you understand its terms and conditions in full. If you have any queries, you should contact Hiscox or your insurance advisor. Your side of the bargain Remember, your premium and insurance are based on the details you have provided to us. Please make sure this information accurately reflects your business and that you inform us immediately if anything needs to change. Please also tell us of any changes in circumstances that may affect the services provided by us or the cover provided by your policy. This is particularly important before taking out a policy, but it also applies throughout the life of the policy too. You need to consider: ■if you fail to fairly present the risk to us, including by failing to disclose any information material to the insurance, you could invalidate the policy, claims may not be paid or the amount we pay maybe reduced; ■you should read and check all insurance documents to ensure that you are aware of the cover, limits and other terms that apply; ■if you fail to let us know of any changes to your circumstances during the period of insurance or, if when telling us about such changes you fail to present the risk to us fairly, you could invalidate the policy, claims may not be paid or the amount we pay maybe reduced; ■please be aware of all terms and conditions of your policy because failure to comply with them could invalidate it or result in us not paying a claim or reducing the amount we pay; ■in the event ofa claim, you should take note of the required procedures, such as giving Hiscox prompt notice of the claims, as stated in the policy documentation. In particular, if you fail to notify us when you first become aware ofa shortcoming, fact, or problem, admit you are liable for what has happened or appoint solicitors or other legal representation without our prior written approval, claims or defence costs may not be paid or the amount we pay maybe reduced; ■as with any insurance, you have an obligation to take reasonable steps to mitigate any loss or liability; ■if you make a fraudulent claim or try to deceive us, we may terminate the policy. Policy length The period of insurance is shown on your policy schedule. Your policy schedule will also show if the policy is ona continuing cover basis. If itis ona continuing cover basis, we will renew your policy each year for another 12 months and continue to take payment (including any premium adjustment shown in your renewal invitation) using your existing arrangement, unless you tell us otherwise or if your risk changes. If your policy schedule does not show that the policy is ona continuing cover basis, cover will cease at the end of the period of insurance, unless you renew your policy with us. We will provide you witha statement of fact each year and provided that the information contained within the statement of fact is true, complete and accurate, you do not need to provide us with any further information. If any of the information in your statement of fact is not true, complete and accurate, you must let us know. If you do not let us know, it may affect the validity of the policy or our ability to pay a claim. Retroactive dates, geographical and jurisdiction limits Where any section of your policy schedule includes a retroactive date, we will not make any payment for any claim or loss under that section which arises from any activity performed or any act, incident or occurrence taking place, before the retroactive date. Where any section of your policy schedule shows the geographical limits which apply to that section of the policy, we will only pay for claims and losses under that section which arise from activities performed or acts, incidents or occurrences taking place within those geographical limits. Where any section provides cover in respect of your liability to third parties, we will only cover claims first made ina country within the applicable courts stated in that section of your policy schedule. Hiscox Business Insurance Policy summary JAC-PSC-UK-DC556(5.4) 17431b 07/20 Cancellation rights You can cancel this policy by giving us 30 days' notice. You will only be charged for the premiums due up to the date of cancellation. If we need to cancel the policy, we’ll give you 30 days’ notice in writing and refund any surplus premiums you might have paid. Please note – we may deduct an administration fee from any refunded payment.There is an exception to our 30-day notice period, which is triggered when we don’t receive your Direct Debit payments within the agreed 14-day period. At this point, we will contact you as soon as possible and stop the policyPage / 2 immediately. Underwritten by:Hiscox Underwriting Ltd on behalf of the insurers named in the schedule. Page / 1 Certificate of professional indemnity insurance Hunt 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:ch.eih__jtu-luvsljubor Name of policy holder:Hunt Inc Period of insurance: From 23/02/20 to Fri 04 December, 2020 both days inclusive. This policy isa Continuing cover policy Insurer: Hiscox Insurance Company Limited Retroactive date: Tuesday 30 July, 2019 Level of cover:£1,000,000 Signed on behalf of Hiscox Underwriting Limited as agent for the insurers Jon Dye CEO, Hiscox UK Notes: (a) This insurance is subject to policy terms and conditions and any special terms notified to the InsuredPage / 1 Hiscox Business Insurance Policy Schedule 14502 10/18 This schedule tells you what is insured with us. It should be read carefully with your policy wording(s) and statement of fact detailed elsewhere in this document. Schedule effective date: 23/02/20 Insurance details Policy number: ch.eih__jtu-luvsljubor Period of insurance: From 23/02/20 to Fri 04 December, 2020 both days inclusive. This policy isa Continuing cover policy. Insured: Hunt Inc Address: Studio 94D Austin spur Griffithsmouth FARNHAM LA12 8BW Additional insureds: None Business: Management Consultants Premium details Charged premium – the total amount you’ll pay for this policy. Charged premium: £5,903.73 Insurance Premium Tax (IPT): £2,236.04 Total charged premium: £523.45 Annualised premium – the annual premium for this policy. This is given for comparison purposes. Please refer to the charged premium section for the amount you’ll pay for the policy. Annual premium: £5,903.73 Insurance Premium Tax (IPT): £2,236.04 Annual total: £523.45 Please note that there will be no refund or additional premium for any transaction which is less than £20 (excluding IPT). Hiscox Business Insurance Policy Schedule 14502 10/18 Summary Claims information If you need to make a claim: - For claims relating to your building or contents please contact our claims team on 0800 247 1902, 9.00am – 5:30pm Monday to Friday. If you wish to make a claim online, you can log most claims quickly and easily through our claims notification portal at https://claims.hiscox.co.uk/. Outside of normal business hours, if you require emergency assistance in relation to substantial damage to your property, you can speak to our 24-hour emergency assistance team using the telephone number above. Your policy schedule will state if property cover is included in your policy. Our out-of-hours emergency assistance team operate ona pay-and-claim basis and you will need to have credit card details available as appropriate. The team will then be able to direct you to essential tradesmen, emergency loss adjusters or disaster management companies in the event of substantial damage. - If there isa claim (or potential claim) against you bya third party, please email us at liability.claims@hiscox.com. If you need to speak to a member of the claims team urgently, please call our team on 0800 711 7156, 9.00am – 5:30pm Monday to Friday. If you wish to make a claim online, you can log most claims quickly and easily through our claims notification portal at https://claims.hiscox.co.uk/. You will need to provide your full name and contact details, the name of your business or organisation, your address and postcode, the policy reference and circumstances of the claim. The Important information and contact details section below contains additional information specific to the covers applicable to your policy. If you are unsure of who to contact please call our team on 0800 711 7156, 9.00am – 5:30pm Monday to Friday. They will ensure you get through to the correct claims team and let you know what actions you need to take. If anything happens that might be covered under the policy, you must comply with the obligations set out in General claims conditions, together with the obligations set out under Your obligations in the section or sections under which you are making the claim. Itis important that you read the policy for details of its terms in full. Your covers This isa summary of each section of your policy. See each section for cover details. Cover Insurance amount Excess Annual Premium (exc IPT) Professional indemnity £1,000,000 £1,000 £1,812.73 Legal protection £100,000 £0 £5,312.69 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: 23/02/20 Limit of indemnity £1,000,000 Limit applies to in the aggregate, including all costs Excess £1,000 Excess applies to each and every claim or loss, including all costs Geographical limits Worldwide Applicable courts Worldwide (excluding United States of America and Canada) Claims brought in USA or Canada Not covered Additional covers (in addition to overall limit of indemnity stated above) Cover Limit of indemnity Limit applies to Court attendance compensation - employees £250 per person, per day Court attendance compensation - directors and partners£500 per person, per day Court attendance compensation: in total £100,000 in the aggregate Special limits (included within not in addition to the overall limit of indemnity stated above) Cover Limit of indemnity Limit applies to Personal data claims £250,000 in the aggregate, including all costs Business activities Business managementPage / 2 consultant Retroactive date Tuesday 30 July, 2019 Insurer Hiscox Insurance Company LimitedPage / 1 Hiscox Insurance Summary of change Introduction This document has been created to help you understand the key changes to your Hiscox Insurance policy and how they may impact you. Your policy continues to offer professional, tailored insurance to protect you and give you peace of mind that if you need us, you will be supported by our award winning claims team. If you have a query not covered by this document, or if you have any questions or concerns about your policy you should contact us. Frequently asked questions What if my circumstances change during the period of insurance? If your circumstances change during the period of insurance, you only need to let us know if the change means that any of the information in the Statement of Fact is no longer true, complete and accurate. If there are no such changes, you do not need to let us know. If any of the information within the Statement of Fact becomes no longer complete, true or accurate at any point during the period of insurance you must tell us as it may affect the validity of the policy or our ability to pay a claim. Additionally, if your contact details change then you should let us know straightaway. Where doI find the limits that apply to my policy? You can find your maximum allowable limits for turnover and wage rollin your Statement of Fact. You must check this information and tell us or your broker if you expect to exceed the maximum amounts shown. Please note these values may have changed. If there are special limits or special excesses applying to particular covers or types of losses these will be shown in the policy schedule. Please check your policy schedule carefully as they may have changed. My new schedule shows a different premium to last year? What has changed? If an underwriter has reviewed your policy then they may have manually adjusted your premium, for example if you’ve had claims in the last 12 months. Where doI find out about any endorsements on my policy? You will be able to see if an endorsement has been applied or removed by reviewing your Policy Schedule. If you have any queries or concerns, please contact us or your broker if you have one. Hiscox Insurance Summary of change Professional indemnity for business management consultants Summary of change Changes to the cover The following table shows the differences between our new policy wordings (5570 WD- PROF-UK-MAN(7), 15579 WD-PROF-UK-MAN-AG(3)) and our previous wordings (5570 WD-PROF-UK-MAN(6), 15579 WD-PROF-UK-MAN-AG(2)). This isa summary of the changes only. You should refer to the schedule and policy wording for the full description of the cover in place. Area of cover Previous policy New policy Improvement in cover Claims against you Advertising claims. We will pay claims arising from your advertising or branding for defamation or infringement of copyright or moral rights. This does not include claims for passing off, unauthorised use of trademarks or false or misleading advertising. Previously cover was not restricted to defamation or the infringement of copyright or moral rights.Covered Amended Your own lossesChanges to ‘what is covered’ Losses from dishonesty. Your losses arising from the dishonesty of your employees, sub-contractors or outsourcers.Covered Not covered Area of cover Previous policy New policy Improvement in cover Cyber incident. We will not pay claims relating to an actual or possible cyber attack, hacker or social engineering communication. Previously we excluded any virus not specifically targeted at your system.Covered Not covered Computer or digital technology error. We will not pay claims arising from any negligent act, error or omission in the operation or maintenance of computer or digital technology such as development, installation, patching or upgrading.Covered Not coveredChanges to ‘what is not covered’ Infrastructure. We will not pay claims arising from the failure of the service provided by internet, telecommunications, utilities or other infrastructure providers.Covered Not covered Hiscox Insurance Summary of change Personal data. We will not pay claims relating to personal data. We will pay such claims where they arise from your performance ofa business activity and which is not otherwise excluded. Subject to the limit shown in the schedule.Covered Not covered Other important changes Control of defence. Under the previous wording we had a duty to defend you against any covered claim brought against you. We now have the right but not the obligation to take control of the conduct of the claim including the appointment of legal representation. Please refer to the policy wording for full details. SOC-PROF-UK-MAN(1) 21367 01/21
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(?<=Policy number - )[-\w_\/\.]+?(?= Company name)
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23/02/20
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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 - OJXEF/.ULWJU Company name: Nicholls, Riley and Price It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : OJXEF/.ULWJU. Company name: Nicholls, Riley and Price. Your Hiscox Insurance premium. Last year’s annual premium: This year’s annual premium. £ 5,759.30. £ 5,759.30. The premium includes all applicable insurance premium tax (IPT). Dear Ms Jennifer Holland. Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 2025-02-27 . Good news; if you want cover to continue with us and to make sure you stay protected by our award-winning cover, you do not need to do anything. We will update your policy onto our latest wording and continue to collect payment using the payment details we have for you. You must read the important information contained in this email and the attached documents. Your Hiscox Insurance Premium breakdown. The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). The amount shown as last year’s Annual premium will take into account any changes to the cover which may have been made during the last policy period. Cover. Last year’s annual premium (exc IPT). This year’s annual Premium (exc IPT). Professional indemnity. £2,170.78. £2,170.78. Legal protection. £7,702.23. £7,702.23. 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 Nicholls, Riley 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 2025-02-27 . We’re here between 8:30am - 5:30pm Monday to Friday . Please note that we can only discuss policy changes with people named on the policy. Why renew with Hiscox. - Reassuring: we offer a range of cover options that can be tailored to your needs. - Flexible: we offer full flexibility to change your policy, with no administration fees . - Award-winning cover : we’ve been named Best Small Business Insurer 7 years running by Start Your Business Magazine . Please click this link for the Hiscox Referral Portal: https://refer.aklamio.com/hiscox/uk?source=postpurchase. Thank you again for choosing Hiscox to insure your business. We hope you and your business have a very successful year. Kind regards. Jon Dye. CEO, Hiscox UK. Business Insurance for the small and the brave. To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre. Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. This email and any files transmitted with it are confidential and intended solely for the use of the individual or entity to whom they are addressed. No one else is authorised to distribute, forward, print, copy or act upon any information contained in this email. If you have received this email in error, please notify the sender. Hiscox Syndicates Limited and Hiscox Insurance Company Limited are authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Hiscox Underwriting Limited, Hiscox Underwriting Services Ltd, Hiscox MGA Ltd and Hiscox ASM Ltd are authorised and regulated by the Financial Conduct Authority. Hiscox Assure SAS is duly registered as an insurance broker with the ORIAS, which is the French Official Registry of Insurance Intermediaries. Hiscox plc is a company registered in England and Wales under company registration number 2837811 and registered office at 1 Great St Helen's, London EC3A 6HX. Hiscox SA is a company registered in Luxembourg at 35 Avenue John F. Kennedy 35F, Luxembourg L-1855, and is authorised by the Commissariat aux Assurances de Luxembourg. It’s time to renew your Hiscox Business Insurance Hiscox Insurance policy number : OJXEF/.ULWJU Company name: Nicholls, Riley and Price . It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : OJXEF/.ULWJU Company name: Nicholls, Riley 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). £ 5,759.30 £ 5,759.30 . Your Hiscox Insurance premium . Last year’s annual premium: This year’s annual premium £ 5,759.30 £ 5,759.30 . The premium includes all applicable insurance premium tax (IPT). Dear Ms Jennifer Holland . Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 2025-02-27 . Good news; if you want cover to continue with us and to make sure you stay protected by our award-winning cover, you do not need to do anything. We will update your policy onto our latest wording and continue to collect payment using the payment details we have for you. You must read the important information contained in this email and the attached documents Your Hiscox Insurance Premium breakdown The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). The amount shown as last year’s Annual premium will take into account any changes to the cover which may have been made during the last policy period. Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) Professional indemnity £2,170.78 £2,170.78 Legal protection £7,702.23 £7,702.23 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 Nicholls, Riley 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 2025-02-27 . We’re here between 8:30am - 5:30pm Monday to Friday . Please note that we can only discuss policy changes with people named on the policy. Why renew with Hiscox - Reassuring: we offer a range of cover options that can be tailored to your needs - Flexible: we offer full flexibility to change your policy, with no administration fees - Award-winning cover : we’ve been named Best Small Business Insurer 7 years running by Start Your Business Magazine Please click this link for the Hiscox Referral Portal: https://refer.aklamio.com/hiscox/uk?source=postpurchase Thank you again for choosing Hiscox to insure your business. We hope you and your business have a very successful year. Kind regards Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 2025-02-27 . Good news; if you want cover to continue with us and to make sure you stay protected by our award-winning cover, you do not need to do anything. We will update your policy onto our latest wording and continue to collect payment using the payment details we have for you. You must read the important information contained in this email and the attached documents Your Hiscox Insurance Premium breakdown The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). The amount shown as last year’s Annual premium will take into account any changes to the cover which may have been made during the last policy period. Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) Professional indemnity £2,170.78 £2,170.78 Legal protection £7,702.23 £7,702.23 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 Nicholls, Riley 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 2025-02-27 . We’re here between 8:30am - 5:30pm Monday to Friday . Please note that we can only discuss policy changes with people named on the policy. Why renew with Hiscox - Reassuring: we offer a range of cover options that can be tailored to your needs - Flexible: we offer full flexibility to change your policy, with no administration fees - Award-winning cover : we’ve been named Best Small Business Insurer 7 years running by Start Your Business Magazine Please click this link for the Hiscox Referral Portal: https://refer.aklamio.com/hiscox/uk?source=postpurchase Thank you again for choosing Hiscox to insure your business. We hope you and your business have a very successful year. Kind regards Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Your Hiscox Insurance Premium breakdown The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). Cover Professional indemnity Legal protection Crisis containment . Last year’s annual premium (exc IPT) £2,170.78 £7,702.23 £0.00 . This year’s annual Premium (exc IPT) £2,170.78 £7,702.23 . Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) . Professional indemnity £2,170.78 £2,170.78 . Legal protection £7,702.23 £7,702.23 . 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: Jennifer Holland Frequency of collection: Annual Sort code: %BANK_SORT_CODE_1% Account number: %BANK_ACCOUNT_NUMBER_1% Your Direct Debit schedule We will take payments on the dates outlined below: Date Amount 2020-10-22 £5,759.30 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: OJXEF/.ULWJU If you have any questions about your policy or payments, please call us on 0800 280 0351. We’re here between 8:30am - 5:30pm Monday to Friday or you can email us at service@hiscox.co.uk. Using your personal information Hiscox isa trading name ofa number of Hiscox companies. The specific company acting asa data controller of your personal information will be listed in the documentation we provide to you. If you are unsure you can also contact us at anytime by telephoning 01904 681198 or by emailing us at dataprotectionofficer@hiscox.com. We collect and process information about you in order to provide insurance policies and to process claims. Your information is also used for business purposes such as fraud prevention and detection and financial management. This may involve sharing your information with, and obtaining information about you from, our group companies and third parties such as brokers, loss adjusters, credit reference agencies, service providers, professional advisors, our regulators or fraud prevention agencies. We may record telephone calls to help us monitor and improve the service we provide. For further information on how your information is used and your rights in relation to your information please see our privacy policy at www.hiscox.co.uk/cookies-privacy. The Direct Debit Guarantee This Guarantee is offered by all banks and building societies that accept instructions to pay Direct Debits. If there are any changes to the amount, date or frequency of your Direct Debit Hiscox Underwriting Ltd will notify you ten working days in advance of your account being debited or as otherwise agreed. If you request Hiscox Underwriting Ltd to collect a payment, confirmation of the amount and date will be given to you at the time of the request. If an error is made in the payment of your Direct Debit by Hiscox Underwriting Ltd or your bank or building society you are entitled to a full and immediate refund of the amount paid from your bank or building society. – If you receive a refund you are not entitled to, you must pay it back when Hiscox Underwriting Ltd asks you to. You can cancel a Direct Debit at anytime by simply contacting your bank or building society. Written confirmation maybe required. Please also notify us. Page / 1 Hiscox Business Insurance Policy summary JAC-PSC-UK-DC556(5.4) 17431b 07/20 Your Hiscox Business Insurance policy summaries This document contains the summaries for any policy covers you have selected to protect your business. These summaries outline the key information about your policies so you can be confident that you have understood what you have bought and what you are covered for. However, you should carefully read your policy in full and ensure that you understand its terms and conditions in full. If you have any queries, you should contact Hiscox or your insurance advisor. Your side of the bargain Remember, your premium and insurance are based on the details you have provided to us. Please make sure this information accurately reflects your business and that you inform us immediately if anything needs to change. Please also tell us of any changes in circumstances that may affect the services provided by us or the cover provided by your policy. This is particularly important before taking out a policy, but it also applies throughout the life of the policy too. You need to consider: ■if you fail to fairly present the risk to us, including by failing to disclose any information material to the insurance, you could invalidate the policy, claims may not be paid or the amount we pay maybe reduced; ■you should read and check all insurance documents to ensure that you are aware of the cover, limits and other terms that apply; ■if you fail to let us know of any changes to your circumstances during the period of insurance or, if when telling us about such changes you fail to present the risk to us fairly, you could invalidate the policy, claims may not be paid or the amount we pay maybe reduced; ■please be aware of all terms and conditions of your policy because failure to comply with them could invalidate it or result in us not paying a claim or reducing the amount we pay; ■in the event ofa claim, you should take note of the required procedures, such as giving Hiscox prompt notice of the claims, as stated in the policy documentation. In particular, if you fail to notify us when you first become aware ofa shortcoming, fact, or problem, admit you are liable for what has happened or appoint solicitors or other legal representation without our prior written approval, claims or defence costs may not be paid or the amount we pay maybe reduced; ■as with any insurance, you have an obligation to take reasonable steps to mitigate any loss or liability; ■if you make a fraudulent claim or try to deceive us, we may terminate the policy. Policy length The period of insurance is shown on your policy schedule. Your policy schedule will also show if the policy is ona continuing cover basis. If itis ona continuing cover basis, we will renew your policy each year for another 12 months and continue to take payment (including any premium adjustment shown in your renewal invitation) using your existing arrangement, unless you tell us otherwise or if your risk changes. If your policy schedule does not show that the policy is ona continuing cover basis, cover will cease at the end of the period of insurance, unless you renew your policy with us. We will provide you witha statement of fact each year and provided that the information contained within the statement of fact is true, complete and accurate, you do not need to provide us with any further information. If any of the information in your statement of fact is not true, complete and accurate, you must let us know. If you do not let us know, it may affect the validity of the policy or our ability to pay a claim. Retroactive dates, geographical and jurisdiction limits Where any section of your policy schedule includes a retroactive date, we will not make any payment for any claim or loss under that section which arises from any activity performed or any act, incident or occurrence taking place, before the retroactive date. Where any section of your policy schedule shows the geographical limits which apply to that section of the policy, we will only pay for claims and losses under that section which arise from activities performed or acts, incidents or occurrences taking place within those geographical limits. Where any section provides cover in respect of your liability to third parties, we will only cover claims first made ina country within the applicable courts stated in that section of your policy schedule. Hiscox Business Insurance Policy summary JAC-PSC-UK-DC556(5.4) 17431b 07/20 Cancellation rights You can cancel this policy by giving us 30 days' notice. You will only be charged for the premiums due up to the date of cancellation. If we need to cancel the policy, we’ll give you 30 days’ notice in writing and refund any surplus premiums you might have paid. Please note – we may deduct an administration fee from any refunded payment.There is an exception to our 30-day notice period, which is triggered when we don’t receive your Direct Debit payments within the agreed 14-day period. At this point, we will contact you as soon as possible and stop the policyPage / 2 immediately. Underwritten by:Hiscox Underwriting Ltd on behalf of the insurers named in the schedule. Page / 1 Certificate of professional indemnity insurance Nicholls, Riley 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:OJXEF/.ULWJU Name of policy holder:Nicholls, Riley and Price Period of insurance: From 2025-02-27 to 24 January, 2020 both days inclusive. This policy isa Continuing cover policy Insurer: Hiscox Insurance Company Limited Retroactive date: 20 March, 2022 Level of cover:£1,000,000 Signed on behalf of Hiscox Underwriting Limited as agent for the insurers Jon Dye CEO, Hiscox UK Notes: (a) This insurance is subject to policy terms and conditions and any special terms notified to the InsuredPage / 1 Hiscox Business Insurance Policy Schedule 14502 10/18 This schedule tells you what is insured with us. It should be read carefully with your policy wording(s) and statement of fact detailed elsewhere in this document. Schedule effective date: 2025-02-27 Insurance details Policy number: OJXEF/.ULWJU Period of insurance: From 2025-02-27 to 24 January, 2020 both days inclusive. This policy isa Continuing cover policy. Insured: Nicholls, Riley and Price Address: 623 Gardner plaza New Annettechester FARNHAM LN51 0DP Additional insureds: None Business: Management Consultants Premium details Charged premium – the total amount you’ll pay for this policy. Charged premium: £7,250.34 Insurance Premium Tax (IPT): £9,628.36 Total charged premium: £5,759.30 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: £7,250.34 Insurance Premium Tax (IPT): £9,628.36 Annual total: £5,759.30 Please note that there will be no refund or additional premium for any transaction which is less than £20 (excluding IPT). Hiscox Business Insurance Policy Schedule 14502 10/18 Summary Claims information If you need to make a claim: - For claims relating to your building or contents please contact our claims team on 0800 247 1902, 9.00am – 5:30pm Monday to Friday. If you wish to make a claim online, you can log most claims quickly and easily through our claims notification portal at https://claims.hiscox.co.uk/. Outside of normal business hours, if you require emergency assistance in relation to substantial damage to your property, you can speak to our 24-hour emergency assistance team using the telephone number above. Your policy schedule will state if property cover is included in your policy. Our out-of-hours emergency assistance team operate ona pay-and-claim basis and you will need to have credit card details available as appropriate. The team will then be able to direct you to essential tradesmen, emergency loss adjusters or disaster management companies in the event of substantial damage. - If there isa claim (or potential claim) against you bya third party, please email us at liability.claims@hiscox.com. If you need to speak to a member of the claims team urgently, please call our team on 0800 711 7156, 9.00am – 5:30pm Monday to Friday. If you wish to make a claim online, you can log most claims quickly and easily through our claims notification portal at https://claims.hiscox.co.uk/. You will need to provide your full name and contact details, the name of your business or organisation, your address and postcode, the policy reference and circumstances of the claim. The Important information and contact details section below contains additional information specific to the covers applicable to your policy. If you are unsure of who to contact please call our team on 0800 711 7156, 9.00am – 5:30pm Monday to Friday. They will ensure you get through to the correct claims team and let you know what actions you need to take. If anything happens that might be covered under the policy, you must comply with the obligations set out in General claims conditions, together with the obligations set out under Your obligations in the section or sections under which you are making the claim. Itis important that you read the policy for details of its terms in full. Your covers This isa summary of each section of your policy. See each section for cover details. Cover Insurance amount Excess Annual Premium (exc IPT) Professional indemnity £1,000,000 £1,000 £2,170.78 Legal protection £100,000 £0 £7,702.23 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: 2025-02-27 Limit of indemnity £1,000,000 Limit applies to in the aggregate, including all costs Excess £1,000 Excess applies to each and every claim or loss, including all costs Geographical limits Worldwide Applicable courts Worldwide (excluding United States of America and Canada) Claims brought in USA or Canada Not covered Additional covers (in addition to overall limit of indemnity stated above) Cover Limit of indemnity Limit applies to Court attendance compensation - employees £250 per person, per day Court attendance compensation - directors and partners£500 per person, per day Court attendance compensation: in total £100,000 in the aggregate Special limits (included within not in addition to the overall limit of indemnity stated above) Cover Limit of indemnity Limit applies to Personal data claims £250,000 in the aggregate, including all costs Business activities Business managementPage / 2 consultant Retroactive date 20 March, 2022 Insurer Hiscox Insurance Company LimitedPage / 1 Hiscox Insurance Summary of change Introduction This document has been created to help you understand the key changes to your Hiscox Insurance policy and how they may impact you. Your policy continues to offer professional, tailored insurance to protect you and give you peace of mind that if you need us, you will be supported by our award winning claims team. If you have a query not covered by this document, or if you have any questions or concerns about your policy you should contact us. Frequently asked questions What if my circumstances change during the period of insurance? If your circumstances change during the period of insurance, you only need to let us know if the change means that any of the information in the Statement of Fact is no longer true, complete and accurate. If there are no such changes, you do not need to let us know. If any of the information within the Statement of Fact becomes no longer complete, true or accurate at any point during the period of insurance you must tell us as it may affect the validity of the policy or our ability to pay a claim. Additionally, if your contact details change then you should let us know straightaway. Where doI find the limits that apply to my policy? You can find your maximum allowable limits for turnover and wage rollin your Statement of Fact. You must check this information and tell us or your broker if you expect to exceed the maximum amounts shown. Please note these values may have changed. If there are special limits or special excesses applying to particular covers or types of losses these will be shown in the policy schedule. Please check your policy schedule carefully as they may have changed. My new schedule shows a different premium to last year? What has changed? If an underwriter has reviewed your policy then they may have manually adjusted your premium, for example if you’ve had claims in the last 12 months. Where doI find out about any endorsements on my policy? You will be able to see if an endorsement has been applied or removed by reviewing your Policy Schedule. If you have any queries or concerns, please contact us or your broker if you have one. Hiscox Insurance Summary of change Professional indemnity for business management consultants Summary of change Changes to the cover The following table shows the differences between our new policy wordings (5570 WD- PROF-UK-MAN(7), 15579 WD-PROF-UK-MAN-AG(3)) and our previous wordings (5570 WD-PROF-UK-MAN(6), 15579 WD-PROF-UK-MAN-AG(2)). This isa summary of the changes only. You should refer to the schedule and policy wording for the full description of the cover in place. Area of cover Previous policy New policy Improvement in cover Claims against you Advertising claims. We will pay claims arising from your advertising or branding for defamation or infringement of copyright or moral rights. This does not include claims for passing off, unauthorised use of trademarks or false or misleading advertising. Previously cover was not restricted to defamation or the infringement of copyright or moral rights.Covered Amended Your own lossesChanges to ‘what is covered’ Losses from dishonesty. Your losses arising from the dishonesty of your employees, sub-contractors or outsourcers.Covered Not covered Area of cover Previous policy New policy Improvement in cover Cyber incident. We will not pay claims relating to an actual or possible cyber attack, hacker or social engineering communication. Previously we excluded any virus not specifically targeted at your system.Covered Not covered Computer or digital technology error. We will not pay claims arising from any negligent act, error or omission in the operation or maintenance of computer or digital technology such as development, installation, patching or upgrading.Covered Not coveredChanges to ‘what is not covered’ Infrastructure. We will not pay claims arising from the failure of the service provided by internet, telecommunications, utilities or other infrastructure providers.Covered Not covered Hiscox Insurance Summary of change Personal data. We will not pay claims relating to personal data. We will pay such claims where they arise from your performance ofa business activity and which is not otherwise excluded. Subject to the limit shown in the schedule.Covered Not covered Other important changes Control of defence. Under the previous wording we had a duty to defend you against any covered claim brought against you. We now have the right but not the obligation to take control of the conduct of the claim including the appointment of legal representation. Please refer to the policy wording for full details. SOC-PROF-UK-MAN(1) 21367 01/21
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2025-02-27
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2024-02-05
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hiscox-business-2
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Hiscox Business Insurance - Policy number - mxutcvz.tw-il Company name: Hall, Hutchinson and Smith It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : mxutcvz.tw-il. Company name: Hall, Hutchinson and Smith. Your Hiscox Insurance premium. Last year’s annual premium: This year’s annual premium. £ 9,277.98. £ 9,277.98. The premium includes all applicable insurance premium tax (IPT). Dear Mr Stewart Mitchell. Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 25/10/19 . Good news; if you want cover to continue with us and to make sure you stay protected by our award-winning cover, you do not need to do anything. We will update your policy onto our latest wording and continue to collect payment using the payment details we have for you. You must read the important information contained in this email and the attached documents. Your Hiscox Insurance Premium breakdown. The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). The amount shown as last year’s Annual premium will take into account any changes to the cover which may have been made during the last policy period. Cover. Last year’s annual premium (exc IPT). This year’s annual Premium (exc IPT). Professional indemnity. £4,878.66. £4,878.66. Legal protection. £4,598.95. £4,598.95. Crisis containment. £0.00. Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy . Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government increase in Insurance Premium Tax as shown. Is our information correct? Your premium and cover are based on what you’ve told us about Hall, Hutchinson 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 25/10/19 . We’re here between 8:30am - 5:30pm Monday to Friday . Please note that we can only discuss policy changes with people named on the policy. Why renew with Hiscox. - Reassuring: we offer a range of cover options that can be tailored to your needs. - Flexible: we offer full flexibility to change your policy, with no administration fees . - Award-winning cover : we’ve been named Best Small Business Insurer 7 years running by Start Your Business Magazine . Please click this link for the Hiscox Referral Portal: https://refer.aklamio.com/hiscox/uk?source=postpurchase. Thank you again for choosing Hiscox to insure your business. We hope you and your business have a very successful year. Kind regards. Jon Dye. CEO, Hiscox UK. Business Insurance for the small and the brave. To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre. Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. This email and any files transmitted with it are confidential and intended solely for the use of the individual or entity to whom they are addressed. No one else is authorised to distribute, forward, print, copy or act upon any information contained in this email. If you have received this email in error, please notify the sender. Hiscox Syndicates Limited and Hiscox Insurance Company Limited are authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Hiscox Underwriting Limited, Hiscox Underwriting Services Ltd, Hiscox MGA Ltd and Hiscox ASM Ltd are authorised and regulated by the Financial Conduct Authority. Hiscox Assure SAS is duly registered as an insurance broker with the ORIAS, which is the French Official Registry of Insurance Intermediaries. Hiscox plc is a company registered in England and Wales under company registration number 2837811 and registered office at 1 Great St Helen's, London EC3A 6HX. Hiscox SA is a company registered in Luxembourg at 35 Avenue John F. Kennedy 35F, Luxembourg L-1855, and is authorised by the Commissariat aux Assurances de Luxembourg. It’s time to renew your Hiscox Business Insurance Hiscox Insurance policy number : mxutcvz.tw-il Company name: Hall, Hutchinson and Smith . It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : mxutcvz.tw-il Company name: Hall, Hutchinson 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). £ 9,277.98 £ 9,277.98 . Your Hiscox Insurance premium . Last year’s annual premium: This year’s annual premium £ 9,277.98 £ 9,277.98 . The premium includes all applicable insurance premium tax (IPT). Dear Mr Stewart Mitchell . Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 25/10/19 . Good news; if you want cover to continue with us and to make sure you stay protected by our award-winning cover, you do not need to do anything. We will update your policy onto our latest wording and continue to collect payment using the payment details we have for you. You must read the important information contained in this email and the attached documents Your Hiscox Insurance Premium breakdown The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). The amount shown as last year’s Annual premium will take into account any changes to the cover which may have been made during the last policy period. Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) Professional indemnity £4,878.66 £4,878.66 Legal protection £4,598.95 £4,598.95 Crisis containment £0.00 Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government increase in Insurance Premium Tax as shown. Is our information correct? Your premium and cover are based on what you’ve told us about Hall, Hutchinson 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 25/10/19 . We’re here between 8:30am - 5:30pm Monday to Friday . Please note that we can only discuss policy changes with people named on the policy. Why renew with Hiscox - Reassuring: we offer a range of cover options that can be tailored to your needs - Flexible: we offer full flexibility to change your policy, with no administration fees - Award-winning cover : we’ve been named Best Small Business Insurer 7 years running by Start Your Business Magazine Please click this link for the Hiscox Referral Portal: https://refer.aklamio.com/hiscox/uk?source=postpurchase Thank you again for choosing Hiscox to insure your business. We hope you and your business have a very successful year. Kind regards Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 25/10/19 . Good news; if you want cover to continue with us and to make sure you stay protected by our award-winning cover, you do not need to do anything. We will update your policy onto our latest wording and continue to collect payment using the payment details we have for you. You must read the important information contained in this email and the attached documents Your Hiscox Insurance Premium breakdown The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). The amount shown as last year’s Annual premium will take into account any changes to the cover which may have been made during the last policy period. Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) Professional indemnity £4,878.66 £4,878.66 Legal protection £4,598.95 £4,598.95 Crisis containment £0.00 Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government increase in Insurance Premium Tax as shown. Is our information correct? Your premium and cover are based on what you’ve told us about Hall, Hutchinson 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 25/10/19 . We’re here between 8:30am - 5:30pm Monday to Friday . Please note that we can only discuss policy changes with people named on the policy. Why renew with Hiscox - Reassuring: we offer a range of cover options that can be tailored to your needs - Flexible: we offer full flexibility to change your policy, with no administration fees - Award-winning cover : we’ve been named Best Small Business Insurer 7 years running by Start Your Business Magazine Please click this link for the Hiscox Referral Portal: https://refer.aklamio.com/hiscox/uk?source=postpurchase Thank you again for choosing Hiscox to insure your business. We hope you and your business have a very successful year. Kind regards Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Your Hiscox Insurance Premium breakdown The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). Cover Professional indemnity Legal protection Crisis containment . Last year’s annual premium (exc IPT) £4,878.66 £4,598.95 £0.00 . This year’s annual Premium (exc IPT) £4,878.66 £4,598.95 . Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) . Professional indemnity £4,878.66 £4,878.66 . Legal protection £4,598.95 £4,598.95 . Crisis containment £0.00 . Kind regards Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre . Kind regards . Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave . To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre . Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Page / 1 Hiscox Business Insurance Policy wording 17431a - DC565 WORDING 04/17Guide to sectionsIntroduction Policy wordings General terms and conditions Professional indemnity for business management consultants Legal protection Crisis containment Hiscox Business Insurance Policy wording 17431a - DC565 WORDING 04/17IntroductionThank you for choosing Hiscox to protect your business. We hope that the language and layout of this policy wording are clear because we want you to understand the insurance we provide as well as the responsibilities we have to each other. Please read this document, including the policy schedule, policy summary and statement of fact, and let us know as soon as possible if any of the details are shown incorrectly. We always try to deliver to the highest standards of service. Your views are important to us, so if you feel that our service is below the standard you would expect from Hiscox, please contact us on the phone number shown in your policy schedule. Please note that some of the words we use in this insurance are shown in bold type. These words are defined in each section of the wording. Page / 1 Hiscox Insurance Payment schedule Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Thank you for continuing to pay for your policy by Direct Debit. Please check these details and let us know if anything is incorrect or if the schedule is not suitable. Your reference details Account holder name: Stewart Mitchell Frequency of collection: Annual Sort code: %BANK_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 17 September, 2021 £9,277.98 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: mxutcvz.tw-il If you have any questions about your policy or payments, please call us on 0800 280 0351. We’re here between 8:30am - 5:30pm Monday to Friday or you can email us at service@hiscox.co.uk. Using your personal information Hiscox isa trading name ofa number of Hiscox companies. The specific company acting asa data controller of your personal information will be listed in the documentation we provide to you. If you are unsure you can also contact us at anytime by telephoning 01904 681198 or by emailing us at dataprotectionofficer@hiscox.com. We collect and process information about you in order to provide insurance policies and to process claims. Your information is also used for business purposes such as fraud prevention and detection and financial management. This may involve sharing your information with, and obtaining information about you from, our group companies and third parties such as brokers, loss adjusters, credit reference agencies, service providers, professional advisors, our regulators or fraud prevention agencies. We may record telephone calls to help us monitor and improve the service we provide. For further information on how your information is used and your rights in relation to your information please see our privacy policy at www.hiscox.co.uk/cookies-privacy. The Direct Debit Guarantee This Guarantee is offered by all banks and building societies that accept instructions to pay Direct Debits. If there are any changes to the amount, date or frequency of your Direct Debit Hiscox Underwriting Ltd will notify you ten working days in advance of your account being debited or as otherwise agreed. If you request Hiscox Underwriting Ltd to collect a payment, confirmation of the amount and date will be given to you at the time of the request. If an error is made in the payment of your Direct Debit by Hiscox Underwriting Ltd or your bank or building society you are entitled to a full and immediate refund of the amount paid from your bank or building society. – If you receive a refund you are not entitled to, you must pay it back when Hiscox Underwriting Ltd asks you to. You can cancel a Direct Debit at anytime by simply contacting your bank or building society. Written confirmation maybe required. Please also notify us. Page / 1 Hiscox Business Insurance Policy summary JAC-PSC-UK-DC556(5.4) 17431b 07/20 Your Hiscox Business Insurance policy summaries This document contains the summaries for any policy covers you have selected to protect your business. These summaries outline the key information about your policies so you can be confident that you have understood what you have bought and what you are covered for. However, you should carefully read your policy in full and ensure that you understand its terms and conditions in full. If you have any queries, you should contact Hiscox or your insurance advisor. Your side of the bargain Remember, your premium and insurance are based on the details you have provided to us. Please make sure this information accurately reflects your business and that you inform us immediately if anything needs to change. Please also tell us of any changes in circumstances that may affect the services provided by us or the cover provided by your policy. This is particularly important before taking out a policy, but it also applies throughout the life of the policy too. You need to consider: ■if you fail to fairly present the risk to us, including by failing to disclose any information material to the insurance, you could invalidate the policy, claims may not be paid or the amount we pay maybe reduced; ■you should read and check all insurance documents to ensure that you are aware of the cover, limits and other terms that apply; ■if you fail to let us know of any changes to your circumstances during the period of insurance or, if when telling us about such changes you fail to present the risk to us fairly, you could invalidate the policy, claims may not be paid or the amount we pay maybe reduced; ■please be aware of all terms and conditions of your policy because failure to comply with them could invalidate it or result in us not paying a claim or reducing the amount we pay; ■in the event ofa claim, you should take note of the required procedures, such as giving Hiscox prompt notice of the claims, as stated in the policy documentation. In particular, if you fail to notify us when you first become aware ofa shortcoming, fact, or problem, admit you are liable for what has happened or appoint solicitors or other legal representation without our prior written approval, claims or defence costs may not be paid or the amount we pay maybe reduced; ■as with any insurance, you have an obligation to take reasonable steps to mitigate any loss or liability; ■if you make a fraudulent claim or try to deceive us, we may terminate the policy. Policy length The period of insurance is shown on your policy schedule. Your policy schedule will also show if the policy is ona continuing cover basis. If itis ona continuing cover basis, we will renew your policy each year for another 12 months and continue to take payment (including any premium adjustment shown in your renewal invitation) using your existing arrangement, unless you tell us otherwise or if your risk changes. If your policy schedule does not show that the policy is ona continuing cover basis, cover will cease at the end of the period of insurance, unless you renew your policy with us. We will provide you witha statement of fact each year and provided that the information contained within the statement of fact is true, complete and accurate, you do not need to provide us with any further information. If any of the information in your statement of fact is not true, complete and accurate, you must let us know. If you do not let us know, it may affect the validity of the policy or our ability to pay a claim. Retroactive dates, geographical and jurisdiction limits Where any section of your policy schedule includes a retroactive date, we will not make any payment for any claim or loss under that section which arises from any activity performed or any act, incident or occurrence taking place, before the retroactive date. Where any section of your policy schedule shows the geographical limits which apply to that section of the policy, we will only pay for claims and losses under that section which arise from activities performed or acts, incidents or occurrences taking place within those geographical limits. Where any section provides cover in respect of your liability to third parties, we will only cover claims first made ina country within the applicable courts stated in that section of your policy schedule. Hiscox Business Insurance Policy summary JAC-PSC-UK-DC556(5.4) 17431b 07/20 Cancellation rights You can cancel this policy by giving us 30 days' notice. You will only be charged for the premiums due up to the date of cancellation. If we need to cancel the policy, we’ll give you 30 days’ notice in writing and refund any surplus premiums you might have paid. Please note – we may deduct an administration fee from any refunded payment.There is an exception to our 30-day notice period, which is triggered when we don’t receive your Direct Debit payments within the agreed 14-day period. At this point, we will contact you as soon as possible and stop the policyPage / 2 immediately. Underwritten by:Hiscox Underwriting Ltd on behalf of the insurers named in the schedule. Page / 1 Certificate of professional indemnity insurance Hall, Hutchinson 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:mxutcvz.tw-il Name of policy holder:Hall, Hutchinson and Smith Period of insurance: From 25/10/19 to 26/09/2021 both days inclusive. This policy isa Continuing cover policy Insurer: Hiscox Insurance Company Limited Retroactive date: 2019-06-01 Level of cover:£1,000,000 Signed on behalf of Hiscox Underwriting Limited as agent for the insurers Jon Dye CEO, Hiscox UK Notes: (a) This insurance is subject to policy terms and conditions and any special terms notified to the InsuredPage / 1 Hiscox Business Insurance Policy Schedule 14502 10/18 This schedule tells you what is insured with us. It should be read carefully with your policy wording(s) and statement of fact detailed elsewhere in this document. Schedule effective date: 25/10/19 Insurance details Policy number: mxutcvz.tw-il Period of insurance: From 25/10/19 to 26/09/2021 both days inclusive. This policy isa Continuing cover policy. Insured: Hall, Hutchinson and Smith Address: 72 Jessica island East Sara FARNHAM G1 7XE Additional insureds: None Business: Management Consultants Premium details Charged premium – the total amount you’ll pay for this policy. Charged premium: £4,591.11 Insurance Premium Tax (IPT): £1,051.97 Total charged premium: £9,277.98 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: £4,591.11 Insurance Premium Tax (IPT): £1,051.97 Annual total: £9,277.98 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 £4,878.66 Legal protection £100,000 £0 £4,598.95 Crisis containment £25,000 - £0.00 The figures above are in summary only and are not in addition to the amount insured specified against each cover section below. Hiscox Business Insurance Policy Schedule 14502 10/18 SECTION: PROFESSIONAL INDEMNITY – MANAGEMENT CONSULTANTS Cover start date: 25/10/19 Limit of indemnity £1,000,000 Limit applies to in the aggregate, including all costs Excess £1,000 Excess applies to each and every claim or loss, including all costs Geographical limits Worldwide Applicable courts Worldwide (excluding United States of America and Canada) Claims brought in USA or Canada Not covered Additional covers (in addition to overall limit of indemnity stated above) Cover Limit of indemnity Limit applies to Court attendance compensation - employees £250 per person, per day Court attendance compensation - directors and partners£500 per person, per day Court attendance compensation: in total £100,000 in the aggregate Special limits (included within not in addition to the overall limit of indemnity stated above) Cover Limit of indemnity Limit applies to Personal data claims £250,000 in the aggregate, including all costs Business activities Business managementPage / 2 consultant Retroactive date 2019-06-01 Insurer Hiscox Insurance Company LimitedPage / 1 Hiscox Insurance Summary of change Introduction This document has been created to help you understand the key changes to your Hiscox Insurance policy and how they may impact you. Your policy continues to offer professional, tailored insurance to protect you and give you peace of mind that if you need us, you will be supported by our award winning claims team. If you have a query not covered by this document, or if you have any questions or concerns about your policy you should contact us. Frequently asked questions What if my circumstances change during the period of insurance? If your circumstances change during the period of insurance, you only need to let us know if the change means that any of the information in the Statement of Fact is no longer true, complete and accurate. If there are no such changes, you do not need to let us know. If any of the information within the Statement of Fact becomes no longer complete, true or accurate at any point during the period of insurance you must tell us as it may affect the validity of the policy or our ability to pay a claim. Additionally, if your contact details change then you should let us know straightaway. Where doI find the limits that apply to my policy? You can find your maximum allowable limits for turnover and wage rollin your Statement of Fact. You must check this information and tell us or your broker if you expect to exceed the maximum amounts shown. Please note these values may have changed. If there are special limits or special excesses applying to particular covers or types of losses these will be shown in the policy schedule. Please check your policy schedule carefully as they may have changed. My new schedule shows a different premium to last year? What has changed? If an underwriter has reviewed your policy then they may have manually adjusted your premium, for example if you’ve had claims in the last 12 months. Where doI find out about any endorsements on my policy? You will be able to see if an endorsement has been applied or removed by reviewing your Policy Schedule. If you have any queries or concerns, please contact us or your broker if you have one. Hiscox Insurance Summary of change Professional indemnity for business management consultants Summary of change Changes to the cover The following table shows the differences between our new policy wordings (5570 WD- PROF-UK-MAN(7), 15579 WD-PROF-UK-MAN-AG(3)) and our previous wordings (5570 WD-PROF-UK-MAN(6), 15579 WD-PROF-UK-MAN-AG(2)). This isa summary of the changes only. You should refer to the schedule and policy wording for the full description of the cover in place. Area of cover Previous policy New policy Improvement in cover Claims against you Advertising claims. We will pay claims arising from your advertising or branding for defamation or infringement of copyright or moral rights. This does not include claims for passing off, unauthorised use of trademarks or false or misleading advertising. Previously cover was not restricted to defamation or the infringement of copyright or moral rights.Covered Amended Your own lossesChanges to ‘what is covered’ Losses from dishonesty. Your losses arising from the dishonesty of your employees, sub-contractors or outsourcers.Covered Not covered Area of cover Previous policy New policy Improvement in cover Cyber incident. We will not pay claims relating to an actual or possible cyber attack, hacker or social engineering communication. Previously we excluded any virus not specifically targeted at your system.Covered Not covered Computer or digital technology error. We will not pay claims arising from any negligent act, error or omission in the operation or maintenance of computer or digital technology such as development, installation, patching or upgrading.Covered Not coveredChanges to ‘what is not covered’ Infrastructure. We will not pay claims arising from the failure of the service provided by internet, telecommunications, utilities or other infrastructure providers.Covered Not covered Hiscox Insurance Summary of change Personal data. We will not pay claims relating to personal data. We will pay such claims where they arise from your performance ofa business activity and which is not otherwise excluded. Subject to the limit shown in the schedule.Covered Not covered Other important changes Control of defence. Under the previous wording we had a duty to defend you against any covered claim brought against you. We now have the right but not the obligation to take control of the conduct of the claim including the appointment of legal representation. Please refer to the policy wording for full details. SOC-PROF-UK-MAN(1) 21367 01/21
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mxutcvz.tw-il
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(?<=Policy number - )[-\w_\/\.]+?(?= Company name)
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25/10/19
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Business
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2024-02-05
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hiscox-business-2
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Hiscox Business Insurance - Policy number - 6ZNIGMP./FH/5Z8G Company name: Tyler Group It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : 6ZNIGMP./FH/5Z8G. Company name: Tyler Group. Your Hiscox Insurance premium. Last year’s annual premium: This year’s annual premium. £ 793.10. £ 793.10. The premium includes all applicable insurance premium tax (IPT). Dear Ms Geoffrey Jones. Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 16/10/22 . Good news; if you want cover to continue with us and to make sure you stay protected by our award-winning cover, you do not need to do anything. We will update your policy onto our latest wording and continue to collect payment using the payment details we have for you. You must read the important information contained in this email and the attached documents. Your Hiscox Insurance Premium breakdown. The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). The amount shown as last year’s Annual premium will take into account any changes to the cover which may have been made during the last policy period. Cover. Last year’s annual premium (exc IPT). This year’s annual Premium (exc IPT). Professional indemnity. £9,246.41. £9,246.41. Legal protection. £992.82. £992.82. 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 Tyler Group , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay. . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover. Policy summary for each cover. ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover . As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before 16/10/22 . 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 : 6ZNIGMP./FH/5Z8G Company name: Tyler Group . It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : 6ZNIGMP./FH/5Z8G Company name: Tyler Group . Your Hiscox Insurance premium Last year’s annual premium: This year’s annual premium The premium includes all applicable insurance premium tax (IPT). £ 793.10 £ 793.10 . Your Hiscox Insurance premium . Last year’s annual premium: This year’s annual premium £ 793.10 £ 793.10 . The premium includes all applicable insurance premium tax (IPT). Dear Ms Geoffrey Jones . Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 16/10/22 . Good news; if you want cover to continue with us and to make sure you stay protected by our award-winning cover, you do not need to do anything. We will update your policy onto our latest wording and continue to collect payment using the payment details we have for you. You must read the important information contained in this email and the attached documents Your Hiscox Insurance Premium breakdown The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). The amount shown as last year’s Annual premium will take into account any changes to the cover which may have been made during the last policy period. Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) Professional indemnity £9,246.41 £9,246.41 Legal protection £992.82 £992.82 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 Tyler Group , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover Policy summary for each cover ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before 16/10/22 . 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 16/10/22 . Good news; if you want cover to continue with us and to make sure you stay protected by our award-winning cover, you do not need to do anything. We will update your policy onto our latest wording and continue to collect payment using the payment details we have for you. You must read the important information contained in this email and the attached documents Your Hiscox Insurance Premium breakdown The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). The amount shown as last year’s Annual premium will take into account any changes to the cover which may have been made during the last policy period. Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) Professional indemnity £9,246.41 £9,246.41 Legal protection £992.82 £992.82 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 Tyler Group , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover Policy summary for each cover ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before 16/10/22 . We’re here between 8:30am - 5:30pm Monday to Friday . Please note that we can only discuss policy changes with people named on the policy. Why renew with Hiscox - Reassuring: we offer a range of cover options that can be tailored to your needs - Flexible: we offer full flexibility to change your policy, with no administration fees - Award-winning cover : we’ve been named Best Small Business Insurer 7 years running by Start Your Business Magazine Please click this link for the Hiscox Referral Portal: https://refer.aklamio.com/hiscox/uk?source=postpurchase Thank you again for choosing Hiscox to insure your business. We hope you and your business have a very successful year. Kind regards Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Your Hiscox Insurance Premium breakdown The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). Cover Professional indemnity Legal protection Crisis containment . Last year’s annual premium (exc IPT) £9,246.41 £992.82 £0.00 . This year’s annual Premium (exc IPT) £9,246.41 £992.82 . Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) . Professional indemnity £9,246.41 £9,246.41 . Legal protection £992.82 £992.82 . 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: Geoffrey 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 2020-12-06 £793.10 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: 6ZNIGMP./FH/5Z8G If you have any questions about your policy or payments, please call us on 0800 280 0351. We’re here between 8:30am - 5:30pm Monday to Friday or you can email us at service@hiscox.co.uk. Using your personal information Hiscox isa trading name ofa number of Hiscox companies. The specific company acting asa data controller of your personal information will be listed in the documentation we provide to you. If you are unsure you can also contact us at anytime by telephoning 01904 681198 or by emailing us at dataprotectionofficer@hiscox.com. We collect and process information about you in order to provide insurance policies and to process claims. Your information is also used for business purposes such as fraud prevention and detection and financial management. This may involve sharing your information with, and obtaining information about you from, our group companies and third parties such as brokers, loss adjusters, credit reference agencies, service providers, professional advisors, our regulators or fraud prevention agencies. We may record telephone calls to help us monitor and improve the service we provide. For further information on how your information is used and your rights in relation to your information please see our privacy policy at www.hiscox.co.uk/cookies-privacy. The Direct Debit Guarantee This Guarantee is offered by all banks and building societies that accept instructions to pay Direct Debits. If there are any changes to the amount, date or frequency of your Direct Debit Hiscox Underwriting Ltd will notify you ten working days in advance of your account being debited or as otherwise agreed. If you request Hiscox Underwriting Ltd to collect a payment, confirmation of the amount and date will be given to you at the time of the request. If an error is made in the payment of your Direct Debit by Hiscox Underwriting Ltd or your bank or building society you are entitled to a full and immediate refund of the amount paid from your bank or building society. – If you receive a refund you are not entitled to, you must pay it back when Hiscox Underwriting Ltd asks you to. You can cancel a Direct Debit at anytime by simply contacting your bank or building society. Written confirmation maybe required. Please also notify us. Page / 1 Hiscox Business Insurance Policy summary JAC-PSC-UK-DC556(5.4) 17431b 07/20 Your Hiscox Business Insurance policy summaries This document contains the summaries for any policy covers you have selected to protect your business. These summaries outline the key information about your policies so you can be confident that you have understood what you have bought and what you are covered for. However, you should carefully read your policy in full and ensure that you understand its terms and conditions in full. If you have any queries, you should contact Hiscox or your insurance advisor. Your side of the bargain Remember, your premium and insurance are based on the details you have provided to us. Please make sure this information accurately reflects your business and that you inform us immediately if anything needs to change. Please also tell us of any changes in circumstances that may affect the services provided by us or the cover provided by your policy. This is particularly important before taking out a policy, but it also applies throughout the life of the policy too. You need to consider: ■if you fail to fairly present the risk to us, including by failing to disclose any information material to the insurance, you could invalidate the policy, claims may not be paid or the amount we pay maybe reduced; ■you should read and check all insurance documents to ensure that you are aware of the cover, limits and other terms that apply; ■if you fail to let us know of any changes to your circumstances during the period of insurance or, if when telling us about such changes you fail to present the risk to us fairly, you could invalidate the policy, claims may not be paid or the amount we pay maybe reduced; ■please be aware of all terms and conditions of your policy because failure to comply with them could invalidate it or result in us not paying a claim or reducing the amount we pay; ■in the event ofa claim, you should take note of the required procedures, such as giving Hiscox prompt notice of the claims, as stated in the policy documentation. In particular, if you fail to notify us when you first become aware ofa shortcoming, fact, or problem, admit you are liable for what has happened or appoint solicitors or other legal representation without our prior written approval, claims or defence costs may not be paid or the amount we pay maybe reduced; ■as with any insurance, you have an obligation to take reasonable steps to mitigate any loss or liability; ■if you make a fraudulent claim or try to deceive us, we may terminate the policy. Policy length The period of insurance is shown on your policy schedule. Your policy schedule will also show if the policy is ona continuing cover basis. If itis ona continuing cover basis, we will renew your policy each year for another 12 months and continue to take payment (including any premium adjustment shown in your renewal invitation) using your existing arrangement, unless you tell us otherwise or if your risk changes. If your policy schedule does not show that the policy is ona continuing cover basis, cover will cease at the end of the period of insurance, unless you renew your policy with us. We will provide you witha statement of fact each year and provided that the information contained within the statement of fact is true, complete and accurate, you do not need to provide us with any further information. If any of the information in your statement of fact is not true, complete and accurate, you must let us know. If you do not let us know, it may affect the validity of the policy or our ability to pay a claim. Retroactive dates, geographical and jurisdiction limits Where any section of your policy schedule includes a retroactive date, we will not make any payment for any claim or loss under that section which arises from any activity performed or any act, incident or occurrence taking place, before the retroactive date. Where any section of your policy schedule shows the geographical limits which apply to that section of the policy, we will only pay for claims and losses under that section which arise from activities performed or acts, incidents or occurrences taking place within those geographical limits. Where any section provides cover in respect of your liability to third parties, we will only cover claims first made ina country within the applicable courts stated in that section of your policy schedule. Hiscox Business Insurance Policy summary JAC-PSC-UK-DC556(5.4) 17431b 07/20 Cancellation rights You can cancel this policy by giving us 30 days' notice. You will only be charged for the premiums due up to the date of cancellation. If we need to cancel the policy, we’ll give you 30 days’ notice in writing and refund any surplus premiums you might have paid. Please note – we may deduct an administration fee from any refunded payment.There is an exception to our 30-day notice period, which is triggered when we don’t receive your Direct Debit payments within the agreed 14-day period. At this point, we will contact you as soon as possible and stop the policyPage / 2 immediately. Underwritten by:Hiscox Underwriting Ltd on behalf of the insurers named in the schedule. Page / 1 Certificate of professional indemnity insurance Tyler 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:6ZNIGMP./FH/5Z8G Name of policy holder:Tyler Group Period of insurance: From 16/10/22 to 2025-12-16 both days inclusive. This policy isa Continuing cover policy Insurer: Hiscox Insurance Company Limited Retroactive date: 2019-05-13 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: 16/10/22 Insurance details Policy number: 6ZNIGMP./FH/5Z8G Period of insurance: From 16/10/22 to 2025-12-16 both days inclusive. This policy isa Continuing cover policy. Insured: Tyler Group Address: 1 Thomas vista North Jay FARNHAM B8 0PT Additional insureds: None Business: Management Consultants Premium details Charged premium – the total amount you’ll pay for this policy. Charged premium: £2,975.98 Insurance Premium Tax (IPT): £6,391.01 Total charged premium: £793.10 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: £2,975.98 Insurance Premium Tax (IPT): £6,391.01 Annual total: £793.10 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 £9,246.41 Legal protection £100,000 £0 £992.82 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: 16/10/22 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 2019-05-13 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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6ZNIGMP./FH/5Z8G
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(?<=Policy number - )[-\w_\/\.]+?(?= Company name)
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16/10/22
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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 - IM.XWLNGH.INVDOKT Company name: Cartwright, Page and Thomas It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : IM.XWLNGH.INVDOKT. Company name: Cartwright, Page and Thomas. Your Hiscox Insurance premium. Last year’s annual premium: This year’s annual premium. £ 4,304.68. £ 4,304.68. The premium includes all applicable insurance premium tax (IPT). Dear Dr Sarah Gill. Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 16/02/2019 . 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. £8,301.55. £8,301.55. Legal protection. £5,768.87. £5,768.87. 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 Cartwright, Page and Thomas , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay. . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover. Policy summary for each cover. ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover . As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before 16/02/2019 . 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 : IM.XWLNGH.INVDOKT Company name: Cartwright, Page and Thomas . It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : IM.XWLNGH.INVDOKT Company name: Cartwright, Page and Thomas . Your Hiscox Insurance premium Last year’s annual premium: This year’s annual premium The premium includes all applicable insurance premium tax (IPT). £ 4,304.68 £ 4,304.68 . Your Hiscox Insurance premium . Last year’s annual premium: This year’s annual premium £ 4,304.68 £ 4,304.68 . The premium includes all applicable insurance premium tax (IPT). Dear Dr Sarah Gill . Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 16/02/2019 . 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 £8,301.55 £8,301.55 Legal protection £5,768.87 £5,768.87 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 Cartwright, Page and Thomas , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover Policy summary for each cover ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before 16/02/2019 . 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 16/02/2019 . 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 £8,301.55 £8,301.55 Legal protection £5,768.87 £5,768.87 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 Cartwright, Page and Thomas , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover Policy summary for each cover ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before 16/02/2019 . 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) £8,301.55 £5,768.87 £0.00 . This year’s annual Premium (exc IPT) £8,301.55 £5,768.87 . Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) . Professional indemnity £8,301.55 £8,301.55 . Legal protection £5,768.87 £5,768.87 . 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: Sarah Gill Frequency of collection: Annual Sort code: %BANK_SORT_CODE_1% Account number: %BANK_ACCOUNT_NUMBER_1% Your Direct Debit schedule We will take payments on the dates outlined below: Date Amount 25 November, 2022 £4,304.68 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: IM.XWLNGH.INVDOKT If you have any questions about your policy or payments, please call us on 0800 280 0351. We’re here between 8:30am - 5:30pm Monday to Friday or you can email us at service@hiscox.co.uk. Using your personal information Hiscox isa trading name ofa number of Hiscox companies. The specific company acting asa data controller of your personal information will be listed in the documentation we provide to you. If you are unsure you can also contact us at anytime by telephoning 01904 681198 or by emailing us at dataprotectionofficer@hiscox.com. We collect and process information about you in order to provide insurance policies and to process claims. Your information is also used for business purposes such as fraud prevention and detection and financial management. This may involve sharing your information with, and obtaining information about you from, our group companies and third parties such as brokers, loss adjusters, credit reference agencies, service providers, professional advisors, our regulators or fraud prevention agencies. We may record telephone calls to help us monitor and improve the service we provide. For further information on how your information is used and your rights in relation to your information please see our privacy policy at www.hiscox.co.uk/cookies-privacy. The Direct Debit Guarantee This Guarantee is offered by all banks and building societies that accept instructions to pay Direct Debits. If there are any changes to the amount, date or frequency of your Direct Debit Hiscox Underwriting Ltd will notify you ten working days in advance of your account being debited or as otherwise agreed. If you request Hiscox Underwriting Ltd to collect a payment, confirmation of the amount and date will be given to you at the time of the request. If an error is made in the payment of your Direct Debit by Hiscox Underwriting Ltd or your bank or building society you are entitled to a full and immediate refund of the amount paid from your bank or building society. – If you receive a refund you are not entitled to, you must pay it back when Hiscox Underwriting Ltd asks you to. You can cancel a Direct Debit at anytime by simply contacting your bank or building society. Written confirmation maybe required. Please also notify us. Page / 1 Hiscox Business Insurance Policy summary JAC-PSC-UK-DC556(5.4) 17431b 07/20 Your Hiscox Business Insurance policy summaries This document contains the summaries for any policy covers you have selected to protect your business. These summaries outline the key information about your policies so you can be confident that you have understood what you have bought and what you are covered for. However, you should carefully read your policy in full and ensure that you understand its terms and conditions in full. If you have any queries, you should contact Hiscox or your insurance advisor. Your side of the bargain Remember, your premium and insurance are based on the details you have provided to us. Please make sure this information accurately reflects your business and that you inform us immediately if anything needs to change. Please also tell us of any changes in circumstances that may affect the services provided by us or the cover provided by your policy. This is particularly important before taking out a policy, but it also applies throughout the life of the policy too. You need to consider: ■if you fail to fairly present the risk to us, including by failing to disclose any information material to the insurance, you could invalidate the policy, claims may not be paid or the amount we pay maybe reduced; ■you should read and check all insurance documents to ensure that you are aware of the cover, limits and other terms that apply; ■if you fail to let us know of any changes to your circumstances during the period of insurance or, if when telling us about such changes you fail to present the risk to us fairly, you could invalidate the policy, claims may not be paid or the amount we pay maybe reduced; ■please be aware of all terms and conditions of your policy because failure to comply with them could invalidate it or result in us not paying a claim or reducing the amount we pay; ■in the event ofa claim, you should take note of the required procedures, such as giving Hiscox prompt notice of the claims, as stated in the policy documentation. In particular, if you fail to notify us when you first become aware ofa shortcoming, fact, or problem, admit you are liable for what has happened or appoint solicitors or other legal representation without our prior written approval, claims or defence costs may not be paid or the amount we pay maybe reduced; ■as with any insurance, you have an obligation to take reasonable steps to mitigate any loss or liability; ■if you make a fraudulent claim or try to deceive us, we may terminate the policy. Policy length The period of insurance is shown on your policy schedule. Your policy schedule will also show if the policy is ona continuing cover basis. If itis ona continuing cover basis, we will renew your policy each year for another 12 months and continue to take payment (including any premium adjustment shown in your renewal invitation) using your existing arrangement, unless you tell us otherwise or if your risk changes. If your policy schedule does not show that the policy is ona continuing cover basis, cover will cease at the end of the period of insurance, unless you renew your policy with us. We will provide you witha statement of fact each year and provided that the information contained within the statement of fact is true, complete and accurate, you do not need to provide us with any further information. If any of the information in your statement of fact is not true, complete and accurate, you must let us know. If you do not let us know, it may affect the validity of the policy or our ability to pay a claim. Retroactive dates, geographical and jurisdiction limits Where any section of your policy schedule includes a retroactive date, we will not make any payment for any claim or loss under that section which arises from any activity performed or any act, incident or occurrence taking place, before the retroactive date. Where any section of your policy schedule shows the geographical limits which apply to that section of the policy, we will only pay for claims and losses under that section which arise from activities performed or acts, incidents or occurrences taking place within those geographical limits. Where any section provides cover in respect of your liability to third parties, we will only cover claims first made ina country within the applicable courts stated in that section of your policy schedule. Hiscox Business Insurance Policy summary JAC-PSC-UK-DC556(5.4) 17431b 07/20 Cancellation rights You can cancel this policy by giving us 30 days' notice. You will only be charged for the premiums due up to the date of cancellation. If we need to cancel the policy, we’ll give you 30 days’ notice in writing and refund any surplus premiums you might have paid. Please note – we may deduct an administration fee from any refunded payment.There is an exception to our 30-day notice period, which is triggered when we don’t receive your Direct Debit payments within the agreed 14-day period. At this point, we will contact you as soon as possible and stop the policyPage / 2 immediately. Underwritten by:Hiscox Underwriting Ltd on behalf of the insurers named in the schedule. Page / 1 Certificate of professional indemnity insurance Cartwright, Page and Thomas Hiscox Underwriting Ltd of 1 Great St. Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Certificate of professional indemnity Insurance Policy number:IM.XWLNGH.INVDOKT Name of policy holder:Cartwright, Page and Thomas Period of insurance: From 16/02/2019 to Friday 12 June, 2020 both days inclusive. This policy isa Continuing cover policy Insurer: Hiscox Insurance Company Limited Retroactive date: 09 October, 2020 Level of cover:£1,000,000 Signed on behalf of Hiscox Underwriting Limited as agent for the insurers Jon Dye CEO, Hiscox UK Notes: (a) This insurance is subject to policy terms and conditions and any special terms notified to the InsuredPage / 1 Hiscox Business Insurance Policy Schedule 14502 10/18 This schedule tells you what is insured with us. It should be read carefully with your policy wording(s) and statement of fact detailed elsewhere in this document. Schedule effective date: 16/02/2019 Insurance details Policy number: IM.XWLNGH.INVDOKT Period of insurance: From 16/02/2019 to Friday 12 June, 2020 both days inclusive. This policy isa Continuing cover policy. Insured: Cartwright, Page and Thomas Address: Studio 50M Newman avenue South Natalie FARNHAM TW59 3SQ Additional insureds: None Business: Management Consultants Premium details Charged premium – the total amount you’ll pay for this policy. Charged premium: £2,656.74 Insurance Premium Tax (IPT): £3,974.58 Total charged premium: £4,304.68 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: £2,656.74 Insurance Premium Tax (IPT): £3,974.58 Annual total: £4,304.68 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 £8,301.55 Legal protection £100,000 £0 £5,768.87 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: 16/02/2019 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 October, 2020 Insurer Hiscox Insurance Company LimitedPage / 1 Hiscox Insurance Summary of change Introduction This document has been created to help you understand the key changes to your Hiscox Insurance policy and how they may impact you. Your policy continues to offer professional, tailored insurance to protect you and give you peace of mind that if you need us, you will be supported by our award winning claims team. If you have a query not covered by this document, or if you have any questions or concerns about your policy you should contact us. Frequently asked questions What if my circumstances change during the period of insurance? If your circumstances change during the period of insurance, you only need to let us know if the change means that any of the information in the Statement of Fact is no longer true, complete and accurate. If there are no such changes, you do not need to let us know. If any of the information within the Statement of Fact becomes no longer complete, true or accurate at any point during the period of insurance you must tell us as it may affect the validity of the policy or our ability to pay a claim. Additionally, if your contact details change then you should let us know straightaway. Where doI find the limits that apply to my policy? You can find your maximum allowable limits for turnover and wage rollin your Statement of Fact. You must check this information and tell us or your broker if you expect to exceed the maximum amounts shown. Please note these values may have changed. If there are special limits or special excesses applying to particular covers or types of losses these will be shown in the policy schedule. Please check your policy schedule carefully as they may have changed. My new schedule shows a different premium to last year? What has changed? If an underwriter has reviewed your policy then they may have manually adjusted your premium, for example if you’ve had claims in the last 12 months. Where doI find out about any endorsements on my policy? You will be able to see if an endorsement has been applied or removed by reviewing your Policy Schedule. If you have any queries or concerns, please contact us or your broker if you have one. Hiscox Insurance Summary of change Professional indemnity for business management consultants Summary of change Changes to the cover The following table shows the differences between our new policy wordings (5570 WD- PROF-UK-MAN(7), 15579 WD-PROF-UK-MAN-AG(3)) and our previous wordings (5570 WD-PROF-UK-MAN(6), 15579 WD-PROF-UK-MAN-AG(2)). This isa summary of the changes only. You should refer to the schedule and policy wording for the full description of the cover in place. Area of cover Previous policy New policy Improvement in cover Claims against you Advertising claims. We will pay claims arising from your advertising or branding for defamation or infringement of copyright or moral rights. This does not include claims for passing off, unauthorised use of trademarks or false or misleading advertising. Previously cover was not restricted to defamation or the infringement of copyright or moral rights.Covered Amended Your own lossesChanges to ‘what is covered’ Losses from dishonesty. Your losses arising from the dishonesty of your employees, sub-contractors or outsourcers.Covered Not covered Area of cover Previous policy New policy Improvement in cover Cyber incident. We will not pay claims relating to an actual or possible cyber attack, hacker or social engineering communication. Previously we excluded any virus not specifically targeted at your system.Covered Not covered Computer or digital technology error. We will not pay claims arising from any negligent act, error or omission in the operation or maintenance of computer or digital technology such as development, installation, patching or upgrading.Covered Not coveredChanges to ‘what is not covered’ Infrastructure. We will not pay claims arising from the failure of the service provided by internet, telecommunications, utilities or other infrastructure providers.Covered Not covered Hiscox Insurance Summary of change Personal data. We will not pay claims relating to personal data. We will pay such claims where they arise from your performance ofa business activity and which is not otherwise excluded. Subject to the limit shown in the schedule.Covered Not covered Other important changes Control of defence. Under the previous wording we had a duty to defend you against any covered claim brought against you. We now have the right but not the obligation to take control of the conduct of the claim including the appointment of legal representation. Please refer to the policy wording for full details. SOC-PROF-UK-MAN(1) 21367 01/21
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IM.XWLNGH.INVDOKT
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(?<=Policy number - )[-\w_\/\.]+?(?= Company name)
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16/02/2019
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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 - JUR88P8T9G_FEV/1IZ3 Company name: Hall-Nicholls It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : JUR88P8T9G_FEV/1IZ3. Company name: Hall-Nicholls. Your Hiscox Insurance premium. Last year’s annual premium: This year’s annual premium. £ 9,698.49. £ 9,698.49. The premium includes all applicable insurance premium tax (IPT). Dear Dr Alice Lane. Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 27/07/23 . 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. £7,453.70. £7,453.70. Legal protection. £4,510.46. £4,510.46. 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 Hall-Nicholls , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay. . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover. Policy summary for each cover. ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover . As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before 27/07/23 . 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 : JUR88P8T9G_FEV/1IZ3 Company name: Hall-Nicholls . It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : JUR88P8T9G_FEV/1IZ3 Company name: Hall-Nicholls . Your Hiscox Insurance premium Last year’s annual premium: This year’s annual premium The premium includes all applicable insurance premium tax (IPT). £ 9,698.49 £ 9,698.49 . Your Hiscox Insurance premium . Last year’s annual premium: This year’s annual premium £ 9,698.49 £ 9,698.49 . The premium includes all applicable insurance premium tax (IPT). Dear Dr Alice Lane . Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 27/07/23 . 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 £7,453.70 £7,453.70 Legal protection £4,510.46 £4,510.46 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 Hall-Nicholls , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover Policy summary for each cover ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before 27/07/23 . 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 27/07/23 . 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 £7,453.70 £7,453.70 Legal protection £4,510.46 £4,510.46 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 Hall-Nicholls , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover Policy summary for each cover ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before 27/07/23 . 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) £7,453.70 £4,510.46 £0.00 . This year’s annual Premium (exc IPT) £7,453.70 £4,510.46 . Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) . Professional indemnity £7,453.70 £7,453.70 . Legal protection £4,510.46 £4,510.46 . 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: Alice Lane Frequency of collection: Annual Sort code: %BANK_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 February, 2024 £9,698.49 Where your chosen collection date falls ona non-working day then we will endeavour to collect the next working day. For your information, the collections will be made using the following reference number: Originator Identification Number: 293461 Reference Number: JUR88P8T9G_FEV/1IZ3 If you have any questions about your policy or payments, please call us on 0800 280 0351. We’re here between 8:30am - 5:30pm Monday to Friday or you can email us at service@hiscox.co.uk. Using your personal information Hiscox isa trading name ofa number of Hiscox companies. The specific company acting asa data controller of your personal information will be listed in the documentation we provide to you. If you are unsure you can also contact us at anytime by telephoning 01904 681198 or by emailing us at dataprotectionofficer@hiscox.com. We collect and process information about you in order to provide insurance policies and to process claims. Your information is also used for business purposes such as fraud prevention and detection and financial management. This may involve sharing your information with, and obtaining information about you from, our group companies and third parties such as brokers, loss adjusters, credit reference agencies, service providers, professional advisors, our regulators or fraud prevention agencies. We may record telephone calls to help us monitor and improve the service we provide. For further information on how your information is used and your rights in relation to your information please see our privacy policy at www.hiscox.co.uk/cookies-privacy. The Direct Debit Guarantee This Guarantee is offered by all banks and building societies that accept instructions to pay Direct Debits. If there are any changes to the amount, date or frequency of your Direct Debit Hiscox Underwriting Ltd will notify you ten working days in advance of your account being debited or as otherwise agreed. If you request Hiscox Underwriting Ltd to collect a payment, confirmation of the amount and date will be given to you at the time of the request. If an error is made in the payment of your Direct Debit by Hiscox Underwriting Ltd or your bank or building society you are entitled to a full and immediate refund of the amount paid from your bank or building society. – If you receive a refund you are not entitled to, you must pay it back when Hiscox Underwriting Ltd asks you to. You can cancel a Direct Debit at anytime by simply contacting your bank or building society. Written confirmation maybe required. Please also notify us. Page / 1 Hiscox Business Insurance Policy summary JAC-PSC-UK-DC556(5.4) 17431b 07/20 Your Hiscox Business Insurance policy summaries This document contains the summaries for any policy covers you have selected to protect your business. These summaries outline the key information about your policies so you can be confident that you have understood what you have bought and what you are covered for. However, you should carefully read your policy in full and ensure that you understand its terms and conditions in full. If you have any queries, you should contact Hiscox or your insurance advisor. Your side of the bargain Remember, your premium and insurance are based on the details you have provided to us. Please make sure this information accurately reflects your business and that you inform us immediately if anything needs to change. Please also tell us of any changes in circumstances that may affect the services provided by us or the cover provided by your policy. This is particularly important before taking out a policy, but it also applies throughout the life of the policy too. You need to consider: ■if you fail to fairly present the risk to us, including by failing to disclose any information material to the insurance, you could invalidate the policy, claims may not be paid or the amount we pay maybe reduced; ■you should read and check all insurance documents to ensure that you are aware of the cover, limits and other terms that apply; ■if you fail to let us know of any changes to your circumstances during the period of insurance or, if when telling us about such changes you fail to present the risk to us fairly, you could invalidate the policy, claims may not be paid or the amount we pay maybe reduced; ■please be aware of all terms and conditions of your policy because failure to comply with them could invalidate it or result in us not paying a claim or reducing the amount we pay; ■in the event ofa claim, you should take note of the required procedures, such as giving Hiscox prompt notice of the claims, as stated in the policy documentation. In particular, if you fail to notify us when you first become aware ofa shortcoming, fact, or problem, admit you are liable for what has happened or appoint solicitors or other legal representation without our prior written approval, claims or defence costs may not be paid or the amount we pay maybe reduced; ■as with any insurance, you have an obligation to take reasonable steps to mitigate any loss or liability; ■if you make a fraudulent claim or try to deceive us, we may terminate the policy. Policy length The period of insurance is shown on your policy schedule. Your policy schedule will also show if the policy is ona continuing cover basis. If itis ona continuing cover basis, we will renew your policy each year for another 12 months and continue to take payment (including any premium adjustment shown in your renewal invitation) using your existing arrangement, unless you tell us otherwise or if your risk changes. If your policy schedule does not show that the policy is ona continuing cover basis, cover will cease at the end of the period of insurance, unless you renew your policy with us. We will provide you witha statement of fact each year and provided that the information contained within the statement of fact is true, complete and accurate, you do not need to provide us with any further information. If any of the information in your statement of fact is not true, complete and accurate, you must let us know. If you do not let us know, it may affect the validity of the policy or our ability to pay a claim. Retroactive dates, geographical and jurisdiction limits Where any section of your policy schedule includes a retroactive date, we will not make any payment for any claim or loss under that section which arises from any activity performed or any act, incident or occurrence taking place, before the retroactive date. Where any section of your policy schedule shows the geographical limits which apply to that section of the policy, we will only pay for claims and losses under that section which arise from activities performed or acts, incidents or occurrences taking place within those geographical limits. Where any section provides cover in respect of your liability to third parties, we will only cover claims first made ina country within the applicable courts stated in that section of your policy schedule. Hiscox Business Insurance Policy summary JAC-PSC-UK-DC556(5.4) 17431b 07/20 Cancellation rights You can cancel this policy by giving us 30 days' notice. You will only be charged for the premiums due up to the date of cancellation. If we need to cancel the policy, we’ll give you 30 days’ notice in writing and refund any surplus premiums you might have paid. Please note – we may deduct an administration fee from any refunded payment.There is an exception to our 30-day notice period, which is triggered when we don’t receive your Direct Debit payments within the agreed 14-day period. At this point, we will contact you as soon as possible and stop the policyPage / 2 immediately. Underwritten by:Hiscox Underwriting Ltd on behalf of the insurers named in the schedule. Page / 1 Certificate of professional indemnity insurance Hall-Nicholls Hiscox Underwriting Ltd of 1 Great St. Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Certificate of professional indemnity Insurance Policy number:JUR88P8T9G_FEV/1IZ3 Name of policy holder:Hall-Nicholls Period of insurance: From 27/07/23 to Mon 21 October, 2019 both days inclusive. This policy isa Continuing cover policy Insurer: Hiscox Insurance Company Limited Retroactive date: 2024-08-16 Level of cover:£1,000,000 Signed on behalf of Hiscox Underwriting Limited as agent for the insurers Jon Dye CEO, Hiscox UK Notes: (a) This insurance is subject to policy terms and conditions and any special terms notified to the InsuredPage / 1 Hiscox Business Insurance Policy Schedule 14502 10/18 This schedule tells you what is insured with us. It should be read carefully with your policy wording(s) and statement of fact detailed elsewhere in this document. Schedule effective date: 27/07/23 Insurance details Policy number: JUR88P8T9G_FEV/1IZ3 Period of insurance: From 27/07/23 to Mon 21 October, 2019 both days inclusive. This policy isa Continuing cover policy. Insured: Hall-Nicholls Address: 490 Lorraine field North Jasmineshire FARNHAM SK6P 6JH Additional insureds: None Business: Management Consultants Premium details Charged premium – the total amount you’ll pay for this policy. Charged premium: £6,657.26 Insurance Premium Tax (IPT): £5,374.24 Total charged premium: £9,698.49 Annualised premium – the annual premium for this policy. This is given for comparison purposes. Please refer to the charged premium section for the amount you’ll pay for the policy. Annual premium: £6,657.26 Insurance Premium Tax (IPT): £5,374.24 Annual total: £9,698.49 Please note that there will be no refund or additional premium for any transaction which is less than £20 (excluding IPT). Hiscox Business Insurance Policy Schedule 14502 10/18 Summary Claims information If you need to make a claim: - For claims relating to your building or contents please contact our claims team on 0800 247 1902, 9.00am – 5:30pm Monday to Friday. If you wish to make a claim online, you can log most claims quickly and easily through our claims notification portal at https://claims.hiscox.co.uk/. Outside of normal business hours, if you require emergency assistance in relation to substantial damage to your property, you can speak to our 24-hour emergency assistance team using the telephone number above. Your policy schedule will state if property cover is included in your policy. Our out-of-hours emergency assistance team operate ona pay-and-claim basis and you will need to have credit card details available as appropriate. The team will then be able to direct you to essential tradesmen, emergency loss adjusters or disaster management companies in the event of substantial damage. - If there isa claim (or potential claim) against you bya third party, please email us at liability.claims@hiscox.com. If you need to speak to a member of the claims team urgently, please call our team on 0800 711 7156, 9.00am – 5:30pm Monday to Friday. If you wish to make a claim online, you can log most claims quickly and easily through our claims notification portal at https://claims.hiscox.co.uk/. You will need to provide your full name and contact details, the name of your business or organisation, your address and postcode, the policy reference and circumstances of the claim. The Important information and contact details section below contains additional information specific to the covers applicable to your policy. If you are unsure of who to contact please call our team on 0800 711 7156, 9.00am – 5:30pm Monday to Friday. They will ensure you get through to the correct claims team and let you know what actions you need to take. If anything happens that might be covered under the policy, you must comply with the obligations set out in General claims conditions, together with the obligations set out under Your obligations in the section or sections under which you are making the claim. Itis important that you read the policy for details of its terms in full. Your covers This isa summary of each section of your policy. See each section for cover details. Cover Insurance amount Excess Annual Premium (exc IPT) Professional indemnity £1,000,000 £1,000 £7,453.70 Legal protection £100,000 £0 £4,510.46 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: 27/07/23 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 2024-08-16 Insurer Hiscox Insurance Company LimitedPage / 1 Hiscox Insurance Summary of change Introduction This document has been created to help you understand the key changes to your Hiscox Insurance policy and how they may impact you. Your policy continues to offer professional, tailored insurance to protect you and give you peace of mind that if you need us, you will be supported by our award winning claims team. If you have a query not covered by this document, or if you have any questions or concerns about your policy you should contact us. Frequently asked questions What if my circumstances change during the period of insurance? If your circumstances change during the period of insurance, you only need to let us know if the change means that any of the information in the Statement of Fact is no longer true, complete and accurate. If there are no such changes, you do not need to let us know. If any of the information within the Statement of Fact becomes no longer complete, true or accurate at any point during the period of insurance you must tell us as it may affect the validity of the policy or our ability to pay a claim. Additionally, if your contact details change then you should let us know straightaway. Where doI find the limits that apply to my policy? You can find your maximum allowable limits for turnover and wage rollin your Statement of Fact. You must check this information and tell us or your broker if you expect to exceed the maximum amounts shown. Please note these values may have changed. If there are special limits or special excesses applying to particular covers or types of losses these will be shown in the policy schedule. Please check your policy schedule carefully as they may have changed. My new schedule shows a different premium to last year? What has changed? If an underwriter has reviewed your policy then they may have manually adjusted your premium, for example if you’ve had claims in the last 12 months. Where doI find out about any endorsements on my policy? You will be able to see if an endorsement has been applied or removed by reviewing your Policy Schedule. If you have any queries or concerns, please contact us or your broker if you have one. Hiscox Insurance Summary of change Professional indemnity for business management consultants Summary of change Changes to the cover The following table shows the differences between our new policy wordings (5570 WD- PROF-UK-MAN(7), 15579 WD-PROF-UK-MAN-AG(3)) and our previous wordings (5570 WD-PROF-UK-MAN(6), 15579 WD-PROF-UK-MAN-AG(2)). This isa summary of the changes only. You should refer to the schedule and policy wording for the full description of the cover in place. Area of cover Previous policy New policy Improvement in cover Claims against you Advertising claims. We will pay claims arising from your advertising or branding for defamation or infringement of copyright or moral rights. This does not include claims for passing off, unauthorised use of trademarks or false or misleading advertising. Previously cover was not restricted to defamation or the infringement of copyright or moral rights.Covered Amended Your own lossesChanges to ‘what is covered’ Losses from dishonesty. Your losses arising from the dishonesty of your employees, sub-contractors or outsourcers.Covered Not covered Area of cover Previous policy New policy Improvement in cover Cyber incident. We will not pay claims relating to an actual or possible cyber attack, hacker or social engineering communication. Previously we excluded any virus not specifically targeted at your system.Covered Not covered Computer or digital technology error. We will not pay claims arising from any negligent act, error or omission in the operation or maintenance of computer or digital technology such as development, installation, patching or upgrading.Covered Not coveredChanges to ‘what is not covered’ Infrastructure. We will not pay claims arising from the failure of the service provided by internet, telecommunications, utilities or other infrastructure providers.Covered Not covered Hiscox Insurance Summary of change Personal data. We will not pay claims relating to personal data. We will pay such claims where they arise from your performance ofa business activity and which is not otherwise excluded. Subject to the limit shown in the schedule.Covered Not covered Other important changes Control of defence. Under the previous wording we had a duty to defend you against any covered claim brought against you. We now have the right but not the obligation to take control of the conduct of the claim including the appointment of legal representation. Please refer to the policy wording for full details. SOC-PROF-UK-MAN(1) 21367 01/21
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JUR88P8T9G_FEV/1IZ3
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(?<=Policy number - )[-\w_\/\.]+?(?= Company name)
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27/07/23
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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 - uqamfpnmvpdlroyqu Company name: Davies LLC It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : uqamfpnmvpdlroyqu. Company name: Davies LLC. Your Hiscox Insurance premium. Last year’s annual premium: This year’s annual premium. £ 569.20. £ 569.20. The premium includes all applicable insurance premium tax (IPT). Dear Mr Anne Ward. Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on Wed 18 August, 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. £2,571.95. £2,571.95. Legal protection. £5,974.99. £5,974.99. Crisis containment. £0.00. Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy . Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government increase in Insurance Premium Tax as shown. Is our information correct? Your premium and cover are based on what you’ve told us about Davies 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 Wed 18 August, 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 : uqamfpnmvpdlroyqu Company name: Davies LLC . It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : uqamfpnmvpdlroyqu Company name: Davies LLC . Your Hiscox Insurance premium Last year’s annual premium: This year’s annual premium The premium includes all applicable insurance premium tax (IPT). £ 569.20 £ 569.20 . Your Hiscox Insurance premium . Last year’s annual premium: This year’s annual premium £ 569.20 £ 569.20 . The premium includes all applicable insurance premium tax (IPT). Dear Mr Anne Ward . Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on Wed 18 August, 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 £2,571.95 £2,571.95 Legal protection £5,974.99 £5,974.99 Crisis containment £0.00 Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government increase in Insurance Premium Tax as shown. Is our information correct? Your premium and cover are based on what you’ve told us about Davies 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 Wed 18 August, 2021 . We’re here between 8:30am - 5:30pm Monday to Friday . Please note that we can only discuss policy changes with people named on the policy. Why renew with Hiscox - Reassuring: we offer a range of cover options that can be tailored to your needs - Flexible: we offer full flexibility to change your policy, with no administration fees - Award-winning cover : we’ve been named Best Small Business Insurer 7 years running by Start Your Business Magazine Please click this link for the Hiscox Referral Portal: https://refer.aklamio.com/hiscox/uk?source=postpurchase Thank you again for choosing Hiscox to insure your business. We hope you and your business have a very successful year. Kind regards Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on Wed 18 August, 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 £2,571.95 £2,571.95 Legal protection £5,974.99 £5,974.99 Crisis containment £0.00 Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government increase in Insurance Premium Tax as shown. Is our information correct? Your premium and cover are based on what you’ve told us about Davies 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 Wed 18 August, 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) £2,571.95 £5,974.99 £0.00 . This year’s annual Premium (exc IPT) £2,571.95 £5,974.99 . Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) . Professional indemnity £2,571.95 £2,571.95 . Legal protection £5,974.99 £5,974.99 . Crisis containment £0.00 . Kind regards Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre . Kind regards . Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave . To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre . Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Page / 1 Hiscox Business Insurance Policy wording 17431a - DC565 WORDING 04/17Guide to sectionsIntroduction Policy wordings General terms and conditions Professional indemnity for business management consultants Legal protection Crisis containment Hiscox Business Insurance Policy wording 17431a - DC565 WORDING 04/17IntroductionThank you for choosing Hiscox to protect your business. We hope that the language and layout of this policy wording are clear because we want you to understand the insurance we provide as well as the responsibilities we have to each other. Please read this document, including the policy schedule, policy summary and statement of fact, and let us know as soon as possible if any of the details are shown incorrectly. We always try to deliver to the highest standards of service. Your views are important to us, so if you feel that our service is below the standard you would expect from Hiscox, please contact us on the phone number shown in your policy schedule. Please note that some of the words we use in this insurance are shown in bold type. These words are defined in each section of the wording. Page / 1 Hiscox Insurance Payment schedule Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Thank you for continuing to pay for your policy by Direct Debit. Please check these details and let us know if anything is incorrect or if the schedule is not suitable. Your reference details Account holder name: Anne Ward Frequency of collection: Annual Sort code: %BANK_SORT_CODE_1% Account number: %BANK_ACCOUNT_NUMBER_1% Your Direct Debit schedule We will take payments on the dates outlined below: Date Amount 04/04/2021 £569.20 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: uqamfpnmvpdlroyqu If you have any questions about your policy or payments, please call us on 0800 280 0351. We’re here between 8:30am - 5:30pm Monday to Friday or you can email us at service@hiscox.co.uk. Using your personal information Hiscox isa trading name ofa number of Hiscox companies. The specific company acting asa data controller of your personal information will be listed in the documentation we provide to you. If you are unsure you can also contact us at anytime by telephoning 01904 681198 or by emailing us at dataprotectionofficer@hiscox.com. We collect and process information about you in order to provide insurance policies and to process claims. Your information is also used for business purposes such as fraud prevention and detection and financial management. This may involve sharing your information with, and obtaining information about you from, our group companies and third parties such as brokers, loss adjusters, credit reference agencies, service providers, professional advisors, our regulators or fraud prevention agencies. We may record telephone calls to help us monitor and improve the service we provide. For further information on how your information is used and your rights in relation to your information please see our privacy policy at www.hiscox.co.uk/cookies-privacy. The Direct Debit Guarantee This Guarantee is offered by all banks and building societies that accept instructions to pay Direct Debits. If there are any changes to the amount, date or frequency of your Direct Debit Hiscox Underwriting Ltd will notify you ten working days in advance of your account being debited or as otherwise agreed. If you request Hiscox Underwriting Ltd to collect a payment, confirmation of the amount and date will be given to you at the time of the request. If an error is made in the payment of your Direct Debit by Hiscox Underwriting Ltd or your bank or building society you are entitled to a full and immediate refund of the amount paid from your bank or building society. – If you receive a refund you are not entitled to, you must pay it back when Hiscox Underwriting Ltd asks you to. You can cancel a Direct Debit at anytime by simply contacting your bank or building society. Written confirmation maybe required. Please also notify us. Page / 1 Hiscox Business Insurance Policy summary JAC-PSC-UK-DC556(5.4) 17431b 07/20 Your Hiscox Business Insurance policy summaries This document contains the summaries for any policy covers you have selected to protect your business. These summaries outline the key information about your policies so you can be confident that you have understood what you have bought and what you are covered for. However, you should carefully read your policy in full and ensure that you understand its terms and conditions in full. If you have any queries, you should contact Hiscox or your insurance advisor. Your side of the bargain Remember, your premium and insurance are based on the details you have provided to us. Please make sure this information accurately reflects your business and that you inform us immediately if anything needs to change. Please also tell us of any changes in circumstances that may affect the services provided by us or the cover provided by your policy. This is particularly important before taking out a policy, but it also applies throughout the life of the policy too. You need to consider: ■if you fail to fairly present the risk to us, including by failing to disclose any information material to the insurance, you could invalidate the policy, claims may not be paid or the amount we pay maybe reduced; ■you should read and check all insurance documents to ensure that you are aware of the cover, limits and other terms that apply; ■if you fail to let us know of any changes to your circumstances during the period of insurance or, if when telling us about such changes you fail to present the risk to us fairly, you could invalidate the policy, claims may not be paid or the amount we pay maybe reduced; ■please be aware of all terms and conditions of your policy because failure to comply with them could invalidate it or result in us not paying a claim or reducing the amount we pay; ■in the event ofa claim, you should take note of the required procedures, such as giving Hiscox prompt notice of the claims, as stated in the policy documentation. In particular, if you fail to notify us when you first become aware ofa shortcoming, fact, or problem, admit you are liable for what has happened or appoint solicitors or other legal representation without our prior written approval, claims or defence costs may not be paid or the amount we pay maybe reduced; ■as with any insurance, you have an obligation to take reasonable steps to mitigate any loss or liability; ■if you make a fraudulent claim or try to deceive us, we may terminate the policy. Policy length The period of insurance is shown on your policy schedule. Your policy schedule will also show if the policy is ona continuing cover basis. If itis ona continuing cover basis, we will renew your policy each year for another 12 months and continue to take payment (including any premium adjustment shown in your renewal invitation) using your existing arrangement, unless you tell us otherwise or if your risk changes. If your policy schedule does not show that the policy is ona continuing cover basis, cover will cease at the end of the period of insurance, unless you renew your policy with us. We will provide you witha statement of fact each year and provided that the information contained within the statement of fact is true, complete and accurate, you do not need to provide us with any further information. If any of the information in your statement of fact is not true, complete and accurate, you must let us know. If you do not let us know, it may affect the validity of the policy or our ability to pay a claim. Retroactive dates, geographical and jurisdiction limits Where any section of your policy schedule includes a retroactive date, we will not make any payment for any claim or loss under that section which arises from any activity performed or any act, incident or occurrence taking place, before the retroactive date. Where any section of your policy schedule shows the geographical limits which apply to that section of the policy, we will only pay for claims and losses under that section which arise from activities performed or acts, incidents or occurrences taking place within those geographical limits. Where any section provides cover in respect of your liability to third parties, we will only cover claims first made ina country within the applicable courts stated in that section of your policy schedule. Hiscox Business Insurance Policy summary JAC-PSC-UK-DC556(5.4) 17431b 07/20 Cancellation rights You can cancel this policy by giving us 30 days' notice. You will only be charged for the premiums due up to the date of cancellation. If we need to cancel the policy, we’ll give you 30 days’ notice in writing and refund any surplus premiums you might have paid. Please note – we may deduct an administration fee from any refunded payment.There is an exception to our 30-day notice period, which is triggered when we don’t receive your Direct Debit payments within the agreed 14-day period. At this point, we will contact you as soon as possible and stop the policyPage / 2 immediately. Underwritten by:Hiscox Underwriting Ltd on behalf of the insurers named in the schedule. Page / 1 Certificate of professional indemnity insurance Davies 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:uqamfpnmvpdlroyqu Name of policy holder:Davies LLC Period of insurance: From Wed 18 August, 2021 to 13/07/19 both days inclusive. This policy isa Continuing cover policy Insurer: Hiscox Insurance Company Limited Retroactive date: 2019-08-15 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: Wed 18 August, 2021 Insurance details Policy number: uqamfpnmvpdlroyqu Period of insurance: From Wed 18 August, 2021 to 13/07/19 both days inclusive. This policy isa Continuing cover policy. Insured: Davies LLC Address: 371 Mohammed drives Frederickbury FARNHAM ST1Y 8PE Additional insureds: None Business: Management Consultants Premium details Charged premium – the total amount you’ll pay for this policy. Charged premium: £8,162.46 Insurance Premium Tax (IPT): £3,291.84 Total charged premium: £569.20 Annualised premium – the annual premium for this policy. This is given for comparison purposes. Please refer to the charged premium section for the amount you’ll pay for the policy. Annual premium: £8,162.46 Insurance Premium Tax (IPT): £3,291.84 Annual total: £569.20 Please note that there will be no refund or additional premium for any transaction which is less than £20 (excluding IPT). Hiscox Business Insurance Policy Schedule 14502 10/18 Summary Claims information If you need to make a claim: - For claims relating to your building or contents please contact our claims team on 0800 247 1902, 9.00am – 5:30pm Monday to Friday. If you wish to make a claim online, you can log most claims quickly and easily through our claims notification portal at https://claims.hiscox.co.uk/. Outside of normal business hours, if you require emergency assistance in relation to substantial damage to your property, you can speak to our 24-hour emergency assistance team using the telephone number above. Your policy schedule will state if property cover is included in your policy. Our out-of-hours emergency assistance team operate ona pay-and-claim basis and you will need to have credit card details available as appropriate. The team will then be able to direct you to essential tradesmen, emergency loss adjusters or disaster management companies in the event of substantial damage. - If there isa claim (or potential claim) against you bya third party, please email us at liability.claims@hiscox.com. If you need to speak to a member of the claims team urgently, please call our team on 0800 711 7156, 9.00am – 5:30pm Monday to Friday. If you wish to make a claim online, you can log most claims quickly and easily through our claims notification portal at https://claims.hiscox.co.uk/. You will need to provide your full name and contact details, the name of your business or organisation, your address and postcode, the policy reference and circumstances of the claim. The Important information and contact details section below contains additional information specific to the covers applicable to your policy. If you are unsure of who to contact please call our team on 0800 711 7156, 9.00am – 5:30pm Monday to Friday. They will ensure you get through to the correct claims team and let you know what actions you need to take. If anything happens that might be covered under the policy, you must comply with the obligations set out in General claims conditions, together with the obligations set out under Your obligations in the section or sections under which you are making the claim. Itis important that you read the policy for details of its terms in full. Your covers This isa summary of each section of your policy. See each section for cover details. Cover Insurance amount Excess Annual Premium (exc IPT) Professional indemnity £1,000,000 £1,000 £2,571.95 Legal protection £100,000 £0 £5,974.99 Crisis containment £25,000 - £0.00 The figures above are in summary only and are not in addition to the 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 18 August, 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 2019-08-15 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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uqamfpnmvpdlroyqu
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(?<=Policy number - )[-\w_\/\.]+?(?= Company name)
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Wed 18 August, 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 - 5/B4OSSGMC45E1OMFP5 Company name: Jones, Clements and Parker It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : 5/B4OSSGMC45E1OMFP5. Company name: Jones, Clements and Parker. Your Hiscox Insurance premium. Last year’s annual premium: This year’s annual premium. £ 3,581.20. £ 3,581.20. The premium includes all applicable insurance premium tax (IPT). Dear Dr Deborah Lee. Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on Tue 04 January, 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. £1,236.88. £1,236.88. Legal protection. £2,743.24. £2,743.24. 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 Jones, Clements and Parker , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay. . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover. Policy summary for each cover. ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover . As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, 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 04 January, 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 : 5/B4OSSGMC45E1OMFP5 Company name: Jones, Clements and Parker . It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : 5/B4OSSGMC45E1OMFP5 Company name: Jones, Clements and Parker . Your Hiscox Insurance premium Last year’s annual premium: This year’s annual premium The premium includes all applicable insurance premium tax (IPT). £ 3,581.20 £ 3,581.20 . Your Hiscox Insurance premium . Last year’s annual premium: This year’s annual premium £ 3,581.20 £ 3,581.20 . The premium includes all applicable insurance premium tax (IPT). Dear Dr Deborah Lee . Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on Tue 04 January, 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 £1,236.88 £1,236.88 Legal protection £2,743.24 £2,743.24 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 Jones, Clements and Parker , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover Policy summary for each cover ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, 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 04 January, 2022 . We’re here between 8:30am - 5:30pm Monday to Friday . Please note that we can only discuss policy changes with people named on the policy. Why renew with Hiscox - Reassuring: we offer a range of cover options that can be tailored to your needs - Flexible: we offer full flexibility to change your policy, with no administration fees - Award-winning cover : we’ve been named Best Small Business Insurer 7 years running by Start Your Business Magazine Please click this link for the Hiscox Referral Portal: https://refer.aklamio.com/hiscox/uk?source=postpurchase Thank you again for choosing Hiscox to insure your business. We hope you and your business have a very successful year. Kind regards Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on Tue 04 January, 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 £1,236.88 £1,236.88 Legal protection £2,743.24 £2,743.24 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 Jones, Clements and Parker , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover Policy summary for each cover ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, 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 04 January, 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) £1,236.88 £2,743.24 £0.00 . This year’s annual Premium (exc IPT) £1,236.88 £2,743.24 . Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) . Professional indemnity £1,236.88 £1,236.88 . Legal protection £2,743.24 £2,743.24 . 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: Deborah Lee Frequency of collection: Annual Sort code: %BANK_SORT_CODE_1% Account number: %BANK_ACCOUNT_NUMBER_1% Your Direct Debit schedule We will take payments on the dates outlined below: Date Amount 16/05/25 £3,581.20 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: 5/B4OSSGMC45E1OMFP5 If you have any questions about your policy or payments, please call us on 0800 280 0351. We’re here between 8:30am - 5:30pm Monday to Friday or you can email us at service@hiscox.co.uk. Using your personal information Hiscox isa trading name ofa number of Hiscox companies. The specific company acting asa data controller of your personal information will be listed in the documentation we provide to you. If you are unsure you can also contact us at anytime by telephoning 01904 681198 or by emailing us at dataprotectionofficer@hiscox.com. We collect and process information about you in order to provide insurance policies and to process claims. Your information is also used for business purposes such as fraud prevention and detection and financial management. This may involve sharing your information with, and obtaining information about you from, our group companies and third parties such as brokers, loss adjusters, credit reference agencies, service providers, professional advisors, our regulators or fraud prevention agencies. We may record telephone calls to help us monitor and improve the service we provide. For further information on how your information is used and your rights in relation to your information please see our privacy policy at www.hiscox.co.uk/cookies-privacy. The Direct Debit Guarantee This Guarantee is offered by all banks and building societies that accept instructions to pay Direct Debits. If there are any changes to the amount, date or frequency of your Direct Debit Hiscox Underwriting Ltd will notify you ten working days in advance of your account being debited or as otherwise agreed. If you request Hiscox Underwriting Ltd to collect a payment, confirmation of the amount and date will be given to you at the time of the request. If an error is made in the payment of your Direct Debit by Hiscox Underwriting Ltd or your bank or building society you are entitled to a full and immediate refund of the amount paid from your bank or building society. – If you receive a refund you are not entitled to, you must pay it back when Hiscox Underwriting Ltd asks you to. You can cancel a Direct Debit at anytime by simply contacting your bank or building society. Written confirmation maybe required. Please also notify us. Page / 1 Hiscox Business Insurance Policy summary JAC-PSC-UK-DC556(5.4) 17431b 07/20 Your Hiscox Business Insurance policy summaries This document contains the summaries for any policy covers you have selected to protect your business. These summaries outline the key information about your policies so you can be confident that you have understood what you have bought and what you are covered for. However, you should carefully read your policy in full and ensure that you understand its terms and conditions in full. If you have any queries, you should contact Hiscox or your insurance advisor. Your side of the bargain Remember, your premium and insurance are based on the details you have provided to us. Please make sure this information accurately reflects your business and that you inform us immediately if anything needs to change. Please also tell us of any changes in circumstances that may affect the services provided by us or the cover provided by your policy. This is particularly important before taking out a policy, but it also applies throughout the life of the policy too. You need to consider: ■if you fail to fairly present the risk to us, including by failing to disclose any information material to the insurance, you could invalidate the policy, claims may not be paid or the amount we pay maybe reduced; ■you should read and check all insurance documents to ensure that you are aware of the cover, limits and other terms that apply; ■if you fail to let us know of any changes to your circumstances during the period of insurance or, if when telling us about such changes you fail to present the risk to us fairly, you could invalidate the policy, claims may not be paid or the amount we pay maybe reduced; ■please be aware of all terms and conditions of your policy because failure to comply with them could invalidate it or result in us not paying a claim or reducing the amount we pay; ■in the event ofa claim, you should take note of the required procedures, such as giving Hiscox prompt notice of the claims, as stated in the policy documentation. In particular, if you fail to notify us when you first become aware ofa shortcoming, fact, or problem, admit you are liable for what has happened or appoint solicitors or other legal representation without our prior written approval, claims or defence costs may not be paid or the amount we pay maybe reduced; ■as with any insurance, you have an obligation to take reasonable steps to mitigate any loss or liability; ■if you make a fraudulent claim or try to deceive us, we may terminate the policy. Policy length The period of insurance is shown on your policy schedule. Your policy schedule will also show if the policy is ona continuing cover basis. If itis ona continuing cover basis, we will renew your policy each year for another 12 months and continue to take payment (including any premium adjustment shown in your renewal invitation) using your existing arrangement, unless you tell us otherwise or if your risk changes. If your policy schedule does not show that the policy is ona continuing cover basis, cover will cease at the end of the period of insurance, unless you renew your policy with us. We will provide you witha statement of fact each year and provided that the information contained within the statement of fact is true, complete and accurate, you do not need to provide us with any further information. If any of the information in your statement of fact is not true, complete and accurate, you must let us know. If you do not let us know, it may affect the validity of the policy or our ability to pay a claim. Retroactive dates, geographical and jurisdiction limits Where any section of your policy schedule includes a retroactive date, we will not make any payment for any claim or loss under that section which arises from any activity performed or any act, incident or occurrence taking place, before the retroactive date. Where any section of your policy schedule shows the geographical limits which apply to that section of the policy, we will only pay for claims and losses under that section which arise from activities performed or acts, incidents or occurrences taking place within those geographical limits. Where any section provides cover in respect of your liability to third parties, we will only cover claims first made ina country within the applicable courts stated in that section of your policy schedule. Hiscox Business Insurance Policy summary JAC-PSC-UK-DC556(5.4) 17431b 07/20 Cancellation rights You can cancel this policy by giving us 30 days' notice. You will only be charged for the premiums due up to the date of cancellation. If we need to cancel the policy, we’ll give you 30 days’ notice in writing and refund any surplus premiums you might have paid. Please note – we may deduct an administration fee from any refunded payment.There is an exception to our 30-day notice period, which is triggered when we don’t receive your Direct Debit payments within the agreed 14-day period. At this point, we will contact you as soon as possible and stop the 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, Clements and Parker Hiscox Underwriting Ltd of 1 Great St. Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Certificate of professional indemnity Insurance Policy number:5/B4OSSGMC45E1OMFP5 Name of policy holder:Jones, Clements and Parker Period of insurance: From Tue 04 January, 2022 to Tuesday 09 May, 2023 both days inclusive. This policy isa Continuing cover policy Insurer: Hiscox Insurance Company Limited Retroactive date: 17/04/2024 Level of cover:£1,000,000 Signed on behalf of Hiscox Underwriting Limited as agent for the insurers Jon Dye CEO, Hiscox UK Notes: (a) This insurance is subject to policy terms and conditions and any special terms notified to the InsuredPage / 1 Hiscox Business Insurance Policy Schedule 14502 10/18 This schedule tells you what is insured with us. It should be read carefully with your policy wording(s) and statement of fact detailed elsewhere in this document. Schedule effective date: Tue 04 January, 2022 Insurance details Policy number: 5/B4OSSGMC45E1OMFP5 Period of insurance: From Tue 04 January, 2022 to Tuesday 09 May, 2023 both days inclusive. This policy isa Continuing cover policy. Insured: Jones, Clements and Parker Address: 045 Baker forest Tonyberg FARNHAM ZE0E 7RP Additional insureds: None Business: Management Consultants Premium details Charged premium – the total amount you’ll pay for this policy. Charged premium: £7,536.31 Insurance Premium Tax (IPT): £8,153.63 Total charged premium: £3,581.20 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: £7,536.31 Insurance Premium Tax (IPT): £8,153.63 Annual total: £3,581.20 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 £1,236.88 Legal protection £100,000 £0 £2,743.24 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: Tue 04 January, 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 17/04/2024 Insurer Hiscox Insurance Company LimitedPage / 1 Hiscox Insurance Summary of change Introduction This document has been created to help you understand the key changes to your Hiscox Insurance policy and how they may impact you. Your policy continues to offer professional, tailored insurance to protect you and give you peace of mind that if you need us, you will be supported by our award winning claims team. If you have a query not covered by this document, or if you have any questions or concerns about your policy you should contact us. Frequently asked questions What if my circumstances change during the period of insurance? If your circumstances change during the period of insurance, you only need to let us know if the change means that any of the information in the Statement of Fact is no longer true, complete and accurate. If there are no such changes, you do not need to let us know. If any of the information within the Statement of Fact becomes no longer complete, true or accurate at any point during the period of insurance you must tell us as it may affect the validity of the policy or our ability to pay a claim. Additionally, if your contact details change then you should let us know straightaway. Where doI find the limits that apply to my policy? You can find your maximum allowable limits for turnover and wage rollin your Statement of Fact. You must check this information and tell us or your broker if you expect to exceed the maximum amounts shown. Please note these values may have changed. If there are special limits or special excesses applying to particular covers or types of losses these will be shown in the policy schedule. Please check your policy schedule carefully as they may have changed. My new schedule shows a different premium to last year? What has changed? If an underwriter has reviewed your policy then they may have manually adjusted your premium, for example if you’ve had claims in the last 12 months. Where doI find out about any endorsements on my policy? You will be able to see if an endorsement has been applied or removed by reviewing your Policy Schedule. If you have any queries or concerns, please contact us or your broker if you have one. Hiscox Insurance Summary of change Professional indemnity for business management consultants Summary of change Changes to the cover The following table shows the differences between our new policy wordings (5570 WD- PROF-UK-MAN(7), 15579 WD-PROF-UK-MAN-AG(3)) and our previous wordings (5570 WD-PROF-UK-MAN(6), 15579 WD-PROF-UK-MAN-AG(2)). This isa summary of the changes only. You should refer to the schedule and policy wording for the full description of the cover in place. Area of cover Previous policy New policy Improvement in cover Claims against you Advertising claims. We will pay claims arising from your advertising or branding for defamation or infringement of copyright or moral rights. This does not include claims for passing off, unauthorised use of trademarks or false or misleading advertising. Previously cover was not restricted to defamation or the infringement of copyright or moral rights.Covered Amended Your own lossesChanges to ‘what is covered’ Losses from dishonesty. Your losses arising from the dishonesty of your employees, sub-contractors or outsourcers.Covered Not covered Area of cover Previous policy New policy Improvement in cover Cyber incident. We will not pay claims relating to an actual or possible cyber attack, hacker or social engineering communication. Previously we excluded any virus not specifically targeted at your system.Covered Not covered Computer or digital technology error. We will not pay claims arising from any negligent act, error or omission in the operation or maintenance of computer or digital technology such as development, installation, patching or upgrading.Covered Not coveredChanges to ‘what is not covered’ Infrastructure. We will not pay claims arising from the failure of the service provided by internet, telecommunications, utilities or other infrastructure providers.Covered Not covered Hiscox Insurance Summary of change Personal data. We will not pay claims relating to personal data. We will pay such claims where they arise from your performance ofa business activity and which is not otherwise excluded. Subject to the limit shown in the schedule.Covered Not covered Other important changes Control of defence. Under the previous wording we had a duty to defend you against any covered claim brought against you. We now have the right but not the obligation to take control of the conduct of the claim including the appointment of legal representation. Please refer to the policy wording for full details. SOC-PROF-UK-MAN(1) 21367 01/21
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5/B4OSSGMC45E1OMFP5
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(?<=Policy number - )[-\w_\/\.]+?(?= Company name)
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Tue 04 January, 2022
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(?<=anniversary of your policy is approaching on )[-\w_\/\. ,]+?(?= \.)
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Business
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(?<=time to renew your Hiscox )[-\w_\/\. ]+?(?= Insurance)
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2024-02-05
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hiscox-business-2
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Hiscox Business Insurance - Policy number - 3/OPK8R0X4RQ5SEI/QPDW Company name: Vincent-Ellis It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : 3/OPK8R0X4RQ5SEI/QPDW. Company name: Vincent-Ellis. Your Hiscox Insurance premium. Last year’s annual premium: This year’s annual premium. £ 2,106.35. £ 2,106.35. The premium includes all applicable insurance premium tax (IPT). Dear Dr Oliver Hussain. Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on Saturday 13 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. £124.55. £124.55. Legal protection. £8,574.61. £8,574.61. 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 Vincent-Ellis , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay. . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover. Policy summary for each cover. ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover . As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before Saturday 13 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 : 3/OPK8R0X4RQ5SEI/QPDW Company name: Vincent-Ellis . It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : 3/OPK8R0X4RQ5SEI/QPDW Company name: Vincent-Ellis . Your Hiscox Insurance premium Last year’s annual premium: This year’s annual premium The premium includes all applicable insurance premium tax (IPT). £ 2,106.35 £ 2,106.35 . Your Hiscox Insurance premium . Last year’s annual premium: This year’s annual premium £ 2,106.35 £ 2,106.35 . The premium includes all applicable insurance premium tax (IPT). Dear Dr Oliver Hussain . Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on Saturday 13 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 £124.55 £124.55 Legal protection £8,574.61 £8,574.61 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 Vincent-Ellis , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover Policy summary for each cover ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before Saturday 13 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 Saturday 13 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 £124.55 £124.55 Legal protection £8,574.61 £8,574.61 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 Vincent-Ellis , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover Policy summary for each cover ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before Saturday 13 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) £124.55 £8,574.61 £0.00 . This year’s annual Premium (exc IPT) £124.55 £8,574.61 . Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) . Professional indemnity £124.55 £124.55 . Legal protection £8,574.61 £8,574.61 . 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: Oliver Hussain Frequency of collection: Annual Sort code: %BANK_SORT_CODE_1% Account number: %BANK_ACCOUNT_NUMBER_1% Your Direct Debit schedule We will take payments on the dates outlined below: Date Amount Friday 27 June, 2025 £2,106.35 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: 3/OPK8R0X4RQ5SEI/QPDW If you have any questions about your policy or payments, please call us on 0800 280 0351. We’re here between 8:30am - 5:30pm Monday to Friday or you can email us at service@hiscox.co.uk. Using your personal information Hiscox isa trading name ofa number of Hiscox companies. The specific company acting asa data controller of your personal information will be listed in the documentation we provide to you. If you are unsure you can also contact us at anytime by telephoning 01904 681198 or by emailing us at dataprotectionofficer@hiscox.com. We collect and process information about you in order to provide insurance policies and to process claims. Your information is also used for business purposes such as fraud prevention and detection and financial management. This may involve sharing your information with, and obtaining information about you from, our group companies and third parties such as brokers, loss adjusters, credit reference agencies, service providers, professional advisors, our regulators or fraud prevention agencies. We may record telephone calls to help us monitor and improve the service we provide. For further information on how your information is used and your rights in relation to your information please see our privacy policy at www.hiscox.co.uk/cookies-privacy. The Direct Debit Guarantee This Guarantee is offered by all banks and building societies that accept instructions to pay Direct Debits. If there are any changes to the amount, date or frequency of your Direct Debit Hiscox Underwriting Ltd will notify you ten working days in advance of your account being debited or as otherwise agreed. If you request Hiscox Underwriting Ltd to collect a payment, confirmation of the amount and date will be given to you at the time of the request. If an error is made in the payment of your Direct Debit by Hiscox Underwriting Ltd or your bank or building society you are entitled to a full and immediate refund of the amount paid from your bank or building society. – If you receive a refund you are not entitled to, you must pay it back when Hiscox Underwriting Ltd asks you to. You can cancel a Direct Debit at anytime by simply contacting your bank or building society. Written confirmation maybe required. Please also notify us. Page / 1 Hiscox Business Insurance Policy summary JAC-PSC-UK-DC556(5.4) 17431b 07/20 Your Hiscox Business Insurance policy summaries This document contains the summaries for any policy covers you have selected to protect your business. These summaries outline the key information about your policies so you can be confident that you have understood what you have bought and what you are covered for. However, you should carefully read your policy in full and ensure that you understand its terms and conditions in full. If you have any queries, you should contact Hiscox or your insurance advisor. Your side of the bargain Remember, your premium and insurance are based on the details you have provided to us. Please make sure this information accurately reflects your business and that you inform us immediately if anything needs to change. Please also tell us of any changes in circumstances that may affect the services provided by us or the cover provided by your policy. This is particularly important before taking out a policy, but it also applies throughout the life of the policy too. You need to consider: ■if you fail to fairly present the risk to us, including by failing to disclose any information material to the insurance, you could invalidate the policy, claims may not be paid or the amount we pay maybe reduced; ■you should read and check all insurance documents to ensure that you are aware of the cover, limits and other terms that apply; ■if you fail to let us know of any changes to your circumstances during the period of insurance or, if when telling us about such changes you fail to present the risk to us fairly, you could invalidate the policy, claims may not be paid or the amount we pay maybe reduced; ■please be aware of all terms and conditions of your policy because failure to comply with them could invalidate it or result in us not paying a claim or reducing the amount we pay; ■in the event ofa claim, you should take note of the required procedures, such as giving Hiscox prompt notice of the claims, as stated in the policy documentation. In particular, if you fail to notify us when you first become aware ofa shortcoming, fact, or problem, admit you are liable for what has happened or appoint solicitors or other legal representation without our prior written approval, claims or defence costs may not be paid or the amount we pay maybe reduced; ■as with any insurance, you have an obligation to take reasonable steps to mitigate any loss or liability; ■if you make a fraudulent claim or try to deceive us, we may terminate the policy. Policy length The period of insurance is shown on your policy schedule. Your policy schedule will also show if the policy is ona continuing cover basis. If itis ona continuing cover basis, we will renew your policy each year for another 12 months and continue to take payment (including any premium adjustment shown in your renewal invitation) using your existing arrangement, unless you tell us otherwise or if your risk changes. If your policy schedule does not show that the policy is ona continuing cover basis, cover will cease at the end of the period of insurance, unless you renew your policy with us. We will provide you witha statement of fact each year and provided that the information contained within the statement of fact is true, complete and accurate, you do not need to provide us with any further information. If any of the information in your statement of fact is not true, complete and accurate, you must let us know. If you do not let us know, it may affect the validity of the policy or our ability to pay a claim. Retroactive dates, geographical and jurisdiction limits Where any section of your policy schedule includes a retroactive date, we will not make any payment for any claim or loss under that section which arises from any activity performed or any act, incident or occurrence taking place, before the retroactive date. Where any section of your policy schedule shows the geographical limits which apply to that section of the policy, we will only pay for claims and losses under that section which arise from activities performed or acts, incidents or occurrences taking place within those geographical limits. Where any section provides cover in respect of your liability to third parties, we will only cover claims first made ina country within the applicable courts stated in that section of your policy schedule. Hiscox Business Insurance Policy summary JAC-PSC-UK-DC556(5.4) 17431b 07/20 Cancellation rights You can cancel this policy by giving us 30 days' notice. You will only be charged for the premiums due up to the date of cancellation. If we need to cancel the policy, we’ll give you 30 days’ notice in writing and refund any surplus premiums you might have paid. Please note – we may deduct an administration fee from any refunded payment.There is an exception to our 30-day notice period, which is triggered when we don’t receive your Direct Debit payments within the agreed 14-day period. At this point, we will contact you as soon as possible and stop the policyPage / 2 immediately. Underwritten by:Hiscox Underwriting Ltd on behalf of the insurers named in the schedule. Page / 1 Certificate of professional indemnity insurance Vincent-Ellis Hiscox Underwriting Ltd of 1 Great St. Helen's, 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/OPK8R0X4RQ5SEI/QPDW Name of policy holder:Vincent-Ellis Period of insurance: From Saturday 13 May, 2023 to 03/02/25 both days inclusive. This policy isa Continuing cover policy Insurer: Hiscox Insurance Company Limited Retroactive date: 03/07/2023 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: Saturday 13 May, 2023 Insurance details Policy number: 3/OPK8R0X4RQ5SEI/QPDW Period of insurance: From Saturday 13 May, 2023 to 03/02/25 both days inclusive. This policy isa Continuing cover policy. Insured: Vincent-Ellis Address: 189 Jade meadows Taylorfurt FARNHAM SE4B 9EL Additional insureds: None Business: Management Consultants Premium details Charged premium – the total amount you’ll pay for this policy. Charged premium: £7,176.20 Insurance Premium Tax (IPT): £2,503.65 Total charged premium: £2,106.35 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: £7,176.20 Insurance Premium Tax (IPT): £2,503.65 Annual total: £2,106.35 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 £124.55 Legal protection £100,000 £0 £8,574.61 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: Saturday 13 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 03/07/2023 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/OPK8R0X4RQ5SEI/QPDW
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(?<=Policy number - )[-\w_\/\.]+?(?= Company name)
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Saturday 13 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 - MEOBBRVAOLQYVEWUXQAHXNO Company name: Jenkins, Ellis and Bell It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : MEOBBRVAOLQYVEWUXQAHXNO. Company name: Jenkins, Ellis and Bell. Your Hiscox Insurance premium. Last year’s annual premium: This year’s annual premium. £ 8,339.76. £ 8,339.76. The premium includes all applicable insurance premium tax (IPT). Dear Dr Ms Emily Smith. Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 20/10/22 . 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. £54.35. £54.35. Legal protection. £2,419.92. £2,419.92. Crisis containment. £0.00. Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy . Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government increase in Insurance Premium Tax as shown. Is our information correct? Your premium and cover are based on what you’ve told us about Jenkins, Ellis and Bell , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay. . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover. Policy summary for each cover. ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover . As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before 20/10/22 . 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 : MEOBBRVAOLQYVEWUXQAHXNO Company name: Jenkins, Ellis and Bell . It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : MEOBBRVAOLQYVEWUXQAHXNO Company name: Jenkins, Ellis and Bell . Your Hiscox Insurance premium Last year’s annual premium: This year’s annual premium The premium includes all applicable insurance premium tax (IPT). £ 8,339.76 £ 8,339.76 . Your Hiscox Insurance premium . Last year’s annual premium: This year’s annual premium £ 8,339.76 £ 8,339.76 . The premium includes all applicable insurance premium tax (IPT). Dear Dr Ms Emily Smith . Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 20/10/22 . 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 £54.35 £54.35 Legal protection £2,419.92 £2,419.92 Crisis containment £0.00 Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government increase in Insurance Premium Tax as shown. Is our information correct? Your premium and cover are based on what you’ve told us about Jenkins, Ellis and Bell , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover Policy summary for each cover ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before 20/10/22 . 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 20/10/22 . 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 £54.35 £54.35 Legal protection £2,419.92 £2,419.92 Crisis containment £0.00 Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government increase in Insurance Premium Tax as shown. Is our information correct? Your premium and cover are based on what you’ve told us about Jenkins, Ellis and Bell , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover Policy summary for each cover ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before 20/10/22 . 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) £54.35 £2,419.92 £0.00 . This year’s annual Premium (exc IPT) £54.35 £2,419.92 . Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) . Professional indemnity £54.35 £54.35 . Legal protection £2,419.92 £2,419.92 . Crisis containment £0.00 . Kind regards Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre . Kind regards . Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave . To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre . Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Page / 1 Hiscox Business Insurance Policy wording 17431a - DC565 WORDING 04/17Guide to sectionsIntroduction Policy wordings General terms and conditions Professional indemnity for business management consultants Legal protection Crisis containment Hiscox Business Insurance Policy wording 17431a - DC565 WORDING 04/17IntroductionThank you for choosing Hiscox to protect your business. We hope that the language and layout of this policy wording are clear because we want you to understand the insurance we provide as well as the responsibilities we have to each other. Please read this document, including the policy schedule, policy summary and statement of fact, and let us know as soon as possible if any of the details are shown incorrectly. We always try to deliver to the highest standards of service. Your views are important to us, so if you feel that our service is below the standard you would expect from Hiscox, please contact us on the phone number shown in your policy schedule. Please note that some of the words we use in this insurance are shown in bold type. These words are defined in each section of the wording. Page / 1 Hiscox Insurance Payment schedule Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Thank you for continuing to pay for your policy by Direct Debit. Please check these details and let us know if anything is incorrect or if the schedule is not suitable. Your reference details Account holder name: Ms Emily 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 17/12/2021 £8,339.76 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: MEOBBRVAOLQYVEWUXQAHXNO If you have any questions about your policy or payments, please call us on 0800 280 0351. We’re here between 8:30am - 5:30pm Monday to Friday or you can email us at service@hiscox.co.uk. Using your personal information Hiscox isa trading name ofa number of Hiscox companies. The specific company acting asa data controller of your personal information will be listed in the documentation we provide to you. If you are unsure you can also contact us at anytime by telephoning 01904 681198 or by emailing us at dataprotectionofficer@hiscox.com. We collect and process information about you in order to provide insurance policies and to process claims. Your information is also used for business purposes such as fraud prevention and detection and financial management. This may involve sharing your information with, and obtaining information about you from, our group companies and third parties such as brokers, loss adjusters, credit reference agencies, service providers, professional advisors, our regulators or fraud prevention agencies. We may record telephone calls to help us monitor and improve the service we provide. For further information on how your information is used and your rights in relation to your information please see our privacy policy at www.hiscox.co.uk/cookies-privacy. The Direct Debit Guarantee This Guarantee is offered by all banks and building societies that accept instructions to pay Direct Debits. If there are any changes to the amount, date or frequency of your Direct Debit Hiscox Underwriting Ltd will notify you ten working days in advance of your account being debited or as otherwise agreed. If you request Hiscox Underwriting Ltd to collect a payment, confirmation of the amount and date will be given to you at the time of the request. If an error is made in the payment of your Direct Debit by Hiscox Underwriting Ltd or your bank or building society you are entitled to a full and immediate refund of the amount paid from your bank or building society. – If you receive a refund you are not entitled to, you must pay it back when Hiscox Underwriting Ltd asks you to. You can cancel a Direct Debit at anytime by simply contacting your bank or building society. Written confirmation maybe required. Please also notify us. Page / 1 Hiscox Business Insurance Policy summary JAC-PSC-UK-DC556(5.4) 17431b 07/20 Your Hiscox Business Insurance policy summaries This document contains the summaries for any policy covers you have selected to protect your business. These summaries outline the key information about your policies so you can be confident that you have understood what you have bought and what you are covered for. However, you should carefully read your policy in full and ensure that you understand its terms and conditions in full. If you have any queries, you should contact Hiscox or your insurance advisor. Your side of the bargain Remember, your premium and insurance are based on the details you have provided to us. Please make sure this information accurately reflects your business and that you inform us immediately if anything needs to change. Please also tell us of any changes in circumstances that may affect the services provided by us or the cover provided by your policy. This is particularly important before taking out a policy, but it also applies throughout the life of the policy too. You need to consider: ■if you fail to fairly present the risk to us, including by failing to disclose any information material to the insurance, you could invalidate the policy, claims may not be paid or the amount we pay maybe reduced; ■you should read and check all insurance documents to ensure that you are aware of the cover, limits and other terms that apply; ■if you fail to let us know of any changes to your circumstances during the period of insurance or, if when telling us about such changes you fail to present the risk to us fairly, you could invalidate the policy, claims may not be paid or the amount we pay maybe reduced; ■please be aware of all terms and conditions of your policy because failure to comply with them could invalidate it or result in us not paying a claim or reducing the amount we pay; ■in the event ofa claim, you should take note of the required procedures, such as giving Hiscox prompt notice of the claims, as stated in the policy documentation. In particular, if you fail to notify us when you first become aware ofa shortcoming, fact, or problem, admit you are liable for what has happened or appoint solicitors or other legal representation without our prior written approval, claims or defence costs may not be paid or the amount we pay maybe reduced; ■as with any insurance, you have an obligation to take reasonable steps to mitigate any loss or liability; ■if you make a fraudulent claim or try to deceive us, we may terminate the policy. Policy length The period of insurance is shown on your policy schedule. Your policy schedule will also show if the policy is ona continuing cover basis. If itis ona continuing cover basis, we will renew your policy each year for another 12 months and continue to take payment (including any premium adjustment shown in your renewal invitation) using your existing arrangement, unless you tell us otherwise or if your risk changes. If your policy schedule does not show that the policy is ona continuing cover basis, cover will cease at the end of the period of insurance, unless you renew your policy with us. We will provide you witha statement of fact each year and provided that the information contained within the statement of fact is true, complete and accurate, you do not need to provide us with any further information. If any of the information in your statement of fact is not true, complete and accurate, you must let us know. If you do not let us know, it may affect the validity of the policy or our ability to pay a claim. Retroactive dates, geographical and jurisdiction limits Where any section of your policy schedule includes a retroactive date, we will not make any payment for any claim or loss under that section which arises from any activity performed or any act, incident or occurrence taking place, before the retroactive date. Where any section of your policy schedule shows the geographical limits which apply to that section of the policy, we will only pay for claims and losses under that section which arise from activities performed or acts, incidents or occurrences taking place within those geographical limits. Where any section provides cover in respect of your liability to third parties, we will only cover claims first made ina country within the applicable courts stated in that section of your policy schedule. Hiscox Business Insurance Policy summary JAC-PSC-UK-DC556(5.4) 17431b 07/20 Cancellation rights You can cancel this policy by giving us 30 days' notice. You will only be charged for the premiums due up to the date of cancellation. If we need to cancel the policy, we’ll give you 30 days’ notice in writing and refund any surplus premiums you might have paid. Please note – we may deduct an administration fee from any refunded payment.There is an exception to our 30-day notice period, which is triggered when we don’t receive your Direct Debit payments within the agreed 14-day period. At this point, we will contact you as soon as possible and stop the 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, Ellis and Bell Hiscox Underwriting Ltd of 1 Great St. Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Certificate of professional indemnity Insurance Policy number:MEOBBRVAOLQYVEWUXQAHXNO Name of policy holder:Jenkins, Ellis and Bell Period of insurance: From 20/10/22 to 01/03/2024 both days inclusive. This policy isa Continuing cover policy Insurer: Hiscox Insurance Company Limited Retroactive date: Sun 07 July, 2024 Level of cover:£1,000,000 Signed on behalf of Hiscox Underwriting Limited as agent for the insurers Jon Dye CEO, Hiscox UK Notes: (a) This insurance is subject to policy terms and conditions and any special terms notified to the InsuredPage / 1 Hiscox Business Insurance Policy Schedule 14502 10/18 This schedule tells you what is insured with us. It should be read carefully with your policy wording(s) and statement of fact detailed elsewhere in this document. Schedule effective date: 20/10/22 Insurance details Policy number: MEOBBRVAOLQYVEWUXQAHXNO Period of insurance: From 20/10/22 to 01/03/2024 both days inclusive. This policy isa Continuing cover policy. Insured: Jenkins, Ellis and Bell Address: Studio 76 Parkinson fields South Rickymouth FARNHAM LL0M 1UZ Additional insureds: None Business: Management Consultants Premium details Charged premium – the total amount you’ll pay for this policy. Charged premium: £969.17 Insurance Premium Tax (IPT): £4,761.90 Total charged premium: £8,339.76 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: £969.17 Insurance Premium Tax (IPT): £4,761.90 Annual total: £8,339.76 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 £54.35 Legal protection £100,000 £0 £2,419.92 Crisis containment £25,000 - £0.00 The figures above are in summary only and are not in addition to the amount insured specified against each cover section below. Hiscox Business Insurance Policy Schedule 14502 10/18 SECTION: PROFESSIONAL INDEMNITY – MANAGEMENT CONSULTANTS Cover start date: 20/10/22 Limit of indemnity £1,000,000 Limit applies to in the aggregate, including all costs Excess £1,000 Excess applies to each and every claim or loss, including all costs Geographical limits Worldwide Applicable courts Worldwide (excluding United States of America and Canada) Claims brought in USA or Canada Not covered Additional covers (in addition to overall limit of indemnity stated above) Cover Limit of indemnity Limit applies to Court attendance compensation - employees £250 per person, per day Court attendance compensation - directors and partners£500 per person, per day Court attendance compensation: in total £100,000 in the aggregate Special limits (included within not in addition to the overall limit of indemnity stated above) Cover Limit of indemnity Limit applies to Personal data claims £250,000 in the aggregate, including all costs Business activities Business managementPage / 2 consultant Retroactive date Sun 07 July, 2024 Insurer Hiscox Insurance Company LimitedPage / 1 Hiscox Insurance Summary of change Introduction This document has been created to help you understand the key changes to your Hiscox Insurance policy and how they may impact you. Your policy continues to offer professional, tailored insurance to protect you and give you peace of mind that if you need us, you will be supported by our award winning claims team. If you have a query not covered by this document, or if you have any questions or concerns about your policy you should contact us. Frequently asked questions What if my circumstances change during the period of insurance? If your circumstances change during the period of insurance, you only need to let us know if the change means that any of the information in the Statement of Fact is no longer true, complete and accurate. If there are no such changes, you do not need to let us know. If any of the information within the Statement of Fact becomes no longer complete, true or accurate at any point during the period of insurance you must tell us as it may affect the validity of the policy or our ability to pay a claim. Additionally, if your contact details change then you should let us know straightaway. Where doI find the limits that apply to my policy? You can find your maximum allowable limits for turnover and wage rollin your Statement of Fact. You must check this information and tell us or your broker if you expect to exceed the maximum amounts shown. Please note these values may have changed. If there are special limits or special excesses applying to particular covers or types of losses these will be shown in the policy schedule. Please check your policy schedule carefully as they may have changed. My new schedule shows a different premium to last year? What has changed? If an underwriter has reviewed your policy then they may have manually adjusted your premium, for example if you’ve had claims in the last 12 months. Where doI find out about any endorsements on my policy? You will be able to see if an endorsement has been applied or removed by reviewing your Policy Schedule. If you have any queries or concerns, please contact us or your broker if you have one. Hiscox Insurance Summary of change Professional indemnity for business management consultants Summary of change Changes to the cover The following table shows the differences between our new policy wordings (5570 WD- PROF-UK-MAN(7), 15579 WD-PROF-UK-MAN-AG(3)) and our previous wordings (5570 WD-PROF-UK-MAN(6), 15579 WD-PROF-UK-MAN-AG(2)). This isa summary of the changes only. You should refer to the schedule and policy wording for the full description of the cover in place. Area of cover Previous policy New policy Improvement in cover Claims against you Advertising claims. We will pay claims arising from your advertising or branding for defamation or infringement of copyright or moral rights. This does not include claims for passing off, unauthorised use of trademarks or false or misleading advertising. Previously cover was not restricted to defamation or the infringement of copyright or moral rights.Covered Amended Your own lossesChanges to ‘what is covered’ Losses from dishonesty. Your losses arising from the dishonesty of your employees, sub-contractors or outsourcers.Covered Not covered Area of cover Previous policy New policy Improvement in cover Cyber incident. We will not pay claims relating to an actual or possible cyber attack, hacker or social engineering communication. Previously we excluded any virus not specifically targeted at your system.Covered Not covered Computer or digital technology error. We will not pay claims arising from any negligent act, error or omission in the operation or maintenance of computer or digital technology such as development, installation, patching or upgrading.Covered Not coveredChanges to ‘what is not covered’ Infrastructure. We will not pay claims arising from the failure of the service provided by internet, telecommunications, utilities or other infrastructure providers.Covered Not covered Hiscox Insurance Summary of change Personal data. We will not pay claims relating to personal data. We will pay such claims where they arise from your performance ofa business activity and which is not otherwise excluded. Subject to the limit shown in the schedule.Covered Not covered Other important changes Control of defence. Under the previous wording we had a duty to defend you against any covered claim brought against you. We now have the right but not the obligation to take control of the conduct of the claim including the appointment of legal representation. Please refer to the policy wording for full details. SOC-PROF-UK-MAN(1) 21367 01/21
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(?<=Policy number - )[-\w_\/\.]+?(?= Company name)
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20/10/22
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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 - ADHRT.YW/S0 Company name: Chandler-Lee It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : ADHRT.YW/S0. Company name: Chandler-Lee. Your Hiscox Insurance premium. Last year’s annual premium: This year’s annual premium. £ 5,839.03. £ 5,839.03. The premium includes all applicable insurance premium tax (IPT). Dear Miss Dr Leah Williams. Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on Saturday 08 June, 2019 . Good news; if you want cover to continue with us and to make sure you stay protected by our award-winning cover, you do not need to do anything. We will update your policy onto our latest wording and continue to collect payment using the payment details we have for you. You must read the important information contained in this email and the attached documents. Your Hiscox Insurance Premium breakdown. The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). The amount shown as last year’s Annual premium will take into account any changes to the cover which may have been made during the last policy period. Cover. Last year’s annual premium (exc IPT). This year’s annual Premium (exc IPT). Professional indemnity. £6,845.52. £6,845.52. Legal protection. £2,447.61. £2,447.61. 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 Chandler-Lee , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay. . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover. Policy summary for each cover. ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover . As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before Saturday 08 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 : ADHRT.YW/S0 Company name: Chandler-Lee . It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : ADHRT.YW/S0 Company name: Chandler-Lee . Your Hiscox Insurance premium Last year’s annual premium: This year’s annual premium The premium includes all applicable insurance premium tax (IPT). £ 5,839.03 £ 5,839.03 . Your Hiscox Insurance premium . Last year’s annual premium: This year’s annual premium £ 5,839.03 £ 5,839.03 . The premium includes all applicable insurance premium tax (IPT). Dear Miss Dr Leah Williams . Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on Saturday 08 June, 2019 . Good news; if you want cover to continue with us and to make sure you stay protected by our award-winning cover, you do not need to do anything. We will update your policy onto our latest wording and continue to collect payment using the payment details we have for you. You must read the important information contained in this email and the attached documents Your Hiscox Insurance Premium breakdown The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). The amount shown as last year’s Annual premium will take into account any changes to the cover which may have been made during the last policy period. Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) Professional indemnity £6,845.52 £6,845.52 Legal protection £2,447.61 £2,447.61 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 Chandler-Lee , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover Policy summary for each cover ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before Saturday 08 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 Saturday 08 June, 2019 . Good news; if you want cover to continue with us and to make sure you stay protected by our award-winning cover, you do not need to do anything. We will update your policy onto our latest wording and continue to collect payment using the payment details we have for you. You must read the important information contained in this email and the attached documents Your Hiscox Insurance Premium breakdown The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). The amount shown as last year’s Annual premium will take into account any changes to the cover which may have been made during the last policy period. Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) Professional indemnity £6,845.52 £6,845.52 Legal protection £2,447.61 £2,447.61 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 Chandler-Lee , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover Policy summary for each cover ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before Saturday 08 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) £6,845.52 £2,447.61 £0.00 . This year’s annual Premium (exc IPT) £6,845.52 £2,447.61 . Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) . Professional indemnity £6,845.52 £6,845.52 . Legal protection £2,447.61 £2,447.61 . 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: Dr Leah 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 Thursday 19 June, 2025 £5,839.03 Where your chosen collection date falls ona non-working day then we will endeavour to collect the next working day. For your information, the collections will be made using the following reference number: Originator Identification Number: 293461 Reference Number: ADHRT.YW/S0 If you have any questions about your policy or payments, please call us on 0800 280 0351. We’re here between 8:30am - 5:30pm Monday to Friday or you can email us at service@hiscox.co.uk. Using your personal information Hiscox isa trading name ofa number of Hiscox companies. The specific company acting asa data controller of your personal information will be listed in the documentation we provide to you. If you are unsure you can also contact us at anytime by telephoning 01904 681198 or by emailing us at dataprotectionofficer@hiscox.com. We collect and process information about you in order to provide insurance policies and to process claims. Your information is also used for business purposes such as fraud prevention and detection and financial management. This may involve sharing your information with, and obtaining information about you from, our group companies and third parties such as brokers, loss adjusters, credit reference agencies, service providers, professional advisors, our regulators or fraud prevention agencies. We may record telephone calls to help us monitor and improve the service we provide. For further information on how your information is used and your rights in relation to your information please see our privacy policy at www.hiscox.co.uk/cookies-privacy. The Direct Debit Guarantee This Guarantee is offered by all banks and building societies that accept instructions to pay Direct Debits. If there are any changes to the amount, date or frequency of your Direct Debit Hiscox Underwriting Ltd will notify you ten working days in advance of your account being debited or as otherwise agreed. If you request Hiscox Underwriting Ltd to collect a payment, confirmation of the amount and date will be given to you at the time of the request. If an error is made in the payment of your Direct Debit by Hiscox Underwriting Ltd or your bank or building society you are entitled to a full and immediate refund of the amount paid from your bank or building society. – If you receive a refund you are not entitled to, you must pay it back when Hiscox Underwriting Ltd asks you to. You can cancel a Direct Debit at anytime by simply contacting your bank or building society. Written confirmation maybe required. Please also notify us. Page / 1 Hiscox Business Insurance Policy summary JAC-PSC-UK-DC556(5.4) 17431b 07/20 Your Hiscox Business Insurance policy summaries This document contains the summaries for any policy covers you have selected to protect your business. These summaries outline the key information about your policies so you can be confident that you have understood what you have bought and what you are covered for. However, you should carefully read your policy in full and ensure that you understand its terms and conditions in full. If you have any queries, you should contact Hiscox or your insurance advisor. Your side of the bargain Remember, your premium and insurance are based on the details you have provided to us. Please make sure this information accurately reflects your business and that you inform us immediately if anything needs to change. Please also tell us of any changes in circumstances that may affect the services provided by us or the cover provided by your policy. This is particularly important before taking out a policy, but it also applies throughout the life of the policy too. You need to consider: ■if you fail to fairly present the risk to us, including by failing to disclose any information material to the insurance, you could invalidate the policy, claims may not be paid or the amount we pay maybe reduced; ■you should read and check all insurance documents to ensure that you are aware of the cover, limits and other terms that apply; ■if you fail to let us know of any changes to your circumstances during the period of insurance or, if when telling us about such changes you fail to present the risk to us fairly, you could invalidate the policy, claims may not be paid or the amount we pay maybe reduced; ■please be aware of all terms and conditions of your policy because failure to comply with them could invalidate it or result in us not paying a claim or reducing the amount we pay; ■in the event ofa claim, you should take note of the required procedures, such as giving Hiscox prompt notice of the claims, as stated in the policy documentation. In particular, if you fail to notify us when you first become aware ofa shortcoming, fact, or problem, admit you are liable for what has happened or appoint solicitors or other legal representation without our prior written approval, claims or defence costs may not be paid or the amount we pay maybe reduced; ■as with any insurance, you have an obligation to take reasonable steps to mitigate any loss or liability; ■if you make a fraudulent claim or try to deceive us, we may terminate the policy. Policy length The period of insurance is shown on your policy schedule. Your policy schedule will also show if the policy is ona continuing cover basis. If itis ona continuing cover basis, we will renew your policy each year for another 12 months and continue to take payment (including any premium adjustment shown in your renewal invitation) using your existing arrangement, unless you tell us otherwise or if your risk changes. If your policy schedule does not show that the policy is ona continuing cover basis, cover will cease at the end of the period of insurance, unless you renew your policy with us. We will provide you witha statement of fact each year and provided that the information contained within the statement of fact is true, complete and accurate, you do not need to provide us with any further information. If any of the information in your statement of fact is not true, complete and accurate, you must let us know. If you do not let us know, it may affect the validity of the policy or our ability to pay a claim. Retroactive dates, geographical and jurisdiction limits Where any section of your policy schedule includes a retroactive date, we will not make any payment for any claim or loss under that section which arises from any activity performed or any act, incident or occurrence taking place, before the retroactive date. Where any section of your policy schedule shows the geographical limits which apply to that section of the policy, we will only pay for claims and losses under that section which arise from activities performed or acts, incidents or occurrences taking place within those geographical limits. Where any section provides cover in respect of your liability to third parties, we will only cover claims first made ina country within the applicable courts stated in that section of your policy schedule. Hiscox Business Insurance Policy summary JAC-PSC-UK-DC556(5.4) 17431b 07/20 Cancellation rights You can cancel this policy by giving us 30 days' notice. You will only be charged for the premiums due up to the date of cancellation. If we need to cancel the policy, we’ll give you 30 days’ notice in writing and refund any surplus premiums you might have paid. Please note – we may deduct an administration fee from any refunded payment.There is an exception to our 30-day notice period, which is triggered when we don’t receive your Direct Debit payments within the agreed 14-day period. At this point, we will contact you as soon as possible and stop the policyPage / 2 immediately. Underwritten by:Hiscox Underwriting Ltd on behalf of the insurers named in the schedule. Page / 1 Certificate of professional indemnity insurance Chandler-Lee Hiscox Underwriting Ltd of 1 Great St. Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Certificate of professional indemnity Insurance Policy number:ADHRT.YW/S0 Name of policy holder:Chandler-Lee Period of insurance: From Saturday 08 June, 2019 to 24 February, 2020 both days inclusive. This policy isa Continuing cover policy Insurer: Hiscox Insurance Company Limited Retroactive date: 31/01/2022 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: Saturday 08 June, 2019 Insurance details Policy number: ADHRT.YW/S0 Period of insurance: From Saturday 08 June, 2019 to 24 February, 2020 both days inclusive. This policy isa Continuing cover policy. Insured: Chandler-Lee Address: 556 Gardner inlet Smithton FARNHAM PA0 2ZZ Additional insureds: None Business: Management Consultants Premium details Charged premium – the total amount you’ll pay for this policy. Charged premium: £3,759.72 Insurance Premium Tax (IPT): £8,182.89 Total charged premium: £5,839.03 Annualised premium – the annual premium for this policy. This is given for comparison purposes. Please refer to the charged premium section for the amount you’ll pay for the policy. Annual premium: £3,759.72 Insurance Premium Tax (IPT): £8,182.89 Annual total: £5,839.03 Please note that there will be no refund or additional premium for any transaction which is less than £20 (excluding IPT). Hiscox Business Insurance Policy Schedule 14502 10/18 Summary Claims information If you need to make a claim: - For claims relating to your building or contents please contact our claims team on 0800 247 1902, 9.00am – 5:30pm Monday to Friday. If you wish to make a claim online, you can log most claims quickly and easily through our claims notification portal at https://claims.hiscox.co.uk/. Outside of normal business hours, if you require emergency assistance in relation to substantial damage to your property, you can speak to our 24-hour emergency assistance team using the telephone number above. Your policy schedule will state if property cover is included in your policy. Our out-of-hours emergency assistance team operate ona pay-and-claim basis and you will need to have credit card details available as appropriate. The team will then be able to direct you to essential tradesmen, emergency loss adjusters or disaster management companies in the event of substantial damage. - If there isa claim (or potential claim) against you bya third party, please email us at liability.claims@hiscox.com. If you need to speak to a member of the claims team urgently, please call our team on 0800 711 7156, 9.00am – 5:30pm Monday to Friday. If you wish to make a claim online, you can log most claims quickly and easily through our claims notification portal at https://claims.hiscox.co.uk/. You will need to provide your full name and contact details, the name of your business or organisation, your address and postcode, the policy reference and circumstances of the claim. The Important information and contact details section below contains additional information specific to the covers applicable to your policy. If you are unsure of who to contact please call our team on 0800 711 7156, 9.00am – 5:30pm Monday to Friday. They will ensure you get through to the correct claims team and let you know what actions you need to take. If anything happens that might be covered under the policy, you must comply with the obligations set out in General claims conditions, together with the obligations set out under Your obligations in the section or sections under which you are making the claim. Itis important that you read the policy for details of its terms in full. Your covers This isa summary of each section of your policy. See each section for cover details. Cover Insurance amount Excess Annual Premium (exc IPT) Professional indemnity £1,000,000 £1,000 £6,845.52 Legal protection £100,000 £0 £2,447.61 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: Saturday 08 June, 2019 Limit of indemnity £1,000,000 Limit applies to in the aggregate, including all costs Excess £1,000 Excess applies to each and every claim or loss, including all costs Geographical limits Worldwide Applicable courts Worldwide (excluding United States of America and Canada) Claims brought in USA or Canada Not covered Additional covers (in addition to overall limit of indemnity stated above) Cover Limit of indemnity Limit applies to Court attendance compensation - employees £250 per person, per day Court attendance compensation - directors and partners£500 per person, per day Court attendance compensation: in total £100,000 in the aggregate Special limits (included within not in addition to the overall limit of indemnity stated above) Cover Limit of indemnity Limit applies to Personal data claims £250,000 in the aggregate, including all costs Business activities Business managementPage / 2 consultant Retroactive date 31/01/2022 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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(?<=Policy number - )[-\w_\/\.]+?(?= Company name)
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Saturday 08 June, 2019
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Business
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2024-02-05
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hiscox-business-2
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Hiscox Business Insurance - Policy number - 5I2Q/D/07LZZGO8.2A2TV Company name: Williams LLC It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : 5I2Q/D/07LZZGO8.2A2TV. Company name: Williams LLC. Your Hiscox Insurance premium. Last year’s annual premium: This year’s annual premium. £ 946.70. £ 946.70. The premium includes all applicable insurance premium tax (IPT). Dear Mrs Kelly Foster. Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 19/03/19 . Good news; if you want cover to continue with us and to make sure you stay protected by our award-winning cover, you do not need to do anything. We will update your policy onto our latest wording and continue to collect payment using the payment details we have for you. You must read the important information contained in this email and the attached documents. Your Hiscox Insurance Premium breakdown. The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). The amount shown as last year’s Annual premium will take into account any changes to the cover which may have been made during the last policy period. Cover. Last year’s annual premium (exc IPT). This year’s annual Premium (exc IPT). Professional indemnity. £2,946.29. £2,946.29. Legal protection. £2,216.11. £2,216.11. 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 Williams LLC , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay. . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover. Policy summary for each cover. ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover . As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before 19/03/19 . 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 : 5I2Q/D/07LZZGO8.2A2TV Company name: Williams LLC . It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : 5I2Q/D/07LZZGO8.2A2TV Company name: Williams LLC . Your Hiscox Insurance premium Last year’s annual premium: This year’s annual premium The premium includes all applicable insurance premium tax (IPT). £ 946.70 £ 946.70 . Your Hiscox Insurance premium . Last year’s annual premium: This year’s annual premium £ 946.70 £ 946.70 . The premium includes all applicable insurance premium tax (IPT). Dear Mrs Kelly Foster . Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 19/03/19 . Good news; if you want cover to continue with us and to make sure you stay protected by our award-winning cover, you do not need to do anything. We will update your policy onto our latest wording and continue to collect payment using the payment details we have for you. You must read the important information contained in this email and the attached documents Your Hiscox Insurance Premium breakdown The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). The amount shown as last year’s Annual premium will take into account any changes to the cover which may have been made during the last policy period. Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) Professional indemnity £2,946.29 £2,946.29 Legal protection £2,216.11 £2,216.11 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 Williams LLC , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover Policy summary for each cover ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before 19/03/19 . 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 19/03/19 . Good news; if you want cover to continue with us and to make sure you stay protected by our award-winning cover, you do not need to do anything. We will update your policy onto our latest wording and continue to collect payment using the payment details we have for you. You must read the important information contained in this email and the attached documents Your Hiscox Insurance Premium breakdown The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). The amount shown as last year’s Annual premium will take into account any changes to the cover which may have been made during the last policy period. Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) Professional indemnity £2,946.29 £2,946.29 Legal protection £2,216.11 £2,216.11 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 Williams LLC , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover Policy summary for each cover ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before 19/03/19 . We’re here between 8:30am - 5:30pm Monday to Friday . Please note that we can only discuss policy changes with people named on the policy. Why renew with Hiscox - Reassuring: we offer a range of cover options that can be tailored to your needs - Flexible: we offer full flexibility to change your policy, with no administration fees - Award-winning cover : we’ve been named Best Small Business Insurer 7 years running by Start Your Business Magazine Please click this link for the Hiscox Referral Portal: https://refer.aklamio.com/hiscox/uk?source=postpurchase Thank you again for choosing Hiscox to insure your business. We hope you and your business have a very successful year. Kind regards Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Your Hiscox Insurance Premium breakdown The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). Cover Professional indemnity Legal protection Crisis containment . Last year’s annual premium (exc IPT) £2,946.29 £2,216.11 £0.00 . This year’s annual Premium (exc IPT) £2,946.29 £2,216.11 . Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) . Professional indemnity £2,946.29 £2,946.29 . Legal protection £2,216.11 £2,216.11 . 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: Kelly 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 21 November, 2023 £946.70 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: 5I2Q/D/07LZZGO8.2A2TV If you have any questions about your policy or payments, please call us on 0800 280 0351. We’re here between 8:30am - 5:30pm Monday to Friday or you can email us at service@hiscox.co.uk. Using your personal information Hiscox isa trading name ofa number of Hiscox companies. The specific company acting asa data controller of your personal information will be listed in the documentation we provide to you. If you are unsure you can also contact us at anytime by telephoning 01904 681198 or by emailing us at dataprotectionofficer@hiscox.com. We collect and process information about you in order to provide insurance policies and to process claims. Your information is also used for business purposes such as fraud prevention and detection and financial management. This may involve sharing your information with, and obtaining information about you from, our group companies and third parties such as brokers, loss adjusters, credit reference agencies, service providers, professional advisors, our regulators or fraud prevention agencies. We may record telephone calls to help us monitor and improve the service we provide. For further information on how your information is used and your rights in relation to your information please see our privacy policy at www.hiscox.co.uk/cookies-privacy. The Direct Debit Guarantee This Guarantee is offered by all banks and building societies that accept instructions to pay Direct Debits. If there are any changes to the amount, date or frequency of your Direct Debit Hiscox Underwriting Ltd will notify you ten working days in advance of your account being debited or as otherwise agreed. If you request Hiscox Underwriting Ltd to collect a payment, confirmation of the amount and date will be given to you at the time of the request. If an error is made in the payment of your Direct Debit by Hiscox Underwriting Ltd or your bank or building society you are entitled to a full and immediate refund of the amount paid from your bank or building society. – If you receive a refund you are not entitled to, you must pay it back when Hiscox Underwriting Ltd asks you to. You can cancel a Direct Debit at anytime by simply contacting your bank or building society. Written confirmation maybe required. Please also notify us. Page / 1 Hiscox Business Insurance Policy summary JAC-PSC-UK-DC556(5.4) 17431b 07/20 Your Hiscox Business Insurance policy summaries This document contains the summaries for any policy covers you have selected to protect your business. These summaries outline the key information about your policies so you can be confident that you have understood what you have bought and what you are covered for. However, you should carefully read your policy in full and ensure that you understand its terms and conditions in full. If you have any queries, you should contact Hiscox or your insurance advisor. Your side of the bargain Remember, your premium and insurance are based on the details you have provided to us. Please make sure this information accurately reflects your business and that you inform us immediately if anything needs to change. Please also tell us of any changes in circumstances that may affect the services provided by us or the cover provided by your policy. This is particularly important before taking out a policy, but it also applies throughout the life of the policy too. You need to consider: ■if you fail to fairly present the risk to us, including by failing to disclose any information material to the insurance, you could invalidate the policy, claims may not be paid or the amount we pay maybe reduced; ■you should read and check all insurance documents to ensure that you are aware of the cover, limits and other terms that apply; ■if you fail to let us know of any changes to your circumstances during the period of insurance or, if when telling us about such changes you fail to present the risk to us fairly, you could invalidate the policy, claims may not be paid or the amount we pay maybe reduced; ■please be aware of all terms and conditions of your policy because failure to comply with them could invalidate it or result in us not paying a claim or reducing the amount we pay; ■in the event ofa claim, you should take note of the required procedures, such as giving Hiscox prompt notice of the claims, as stated in the policy documentation. In particular, if you fail to notify us when you first become aware ofa shortcoming, fact, or problem, admit you are liable for what has happened or appoint solicitors or other legal representation without our prior written approval, claims or defence costs may not be paid or the amount we pay maybe reduced; ■as with any insurance, you have an obligation to take reasonable steps to mitigate any loss or liability; ■if you make a fraudulent claim or try to deceive us, we may terminate the policy. Policy length The period of insurance is shown on your policy schedule. Your policy schedule will also show if the policy is ona continuing cover basis. If itis ona continuing cover basis, we will renew your policy each year for another 12 months and continue to take payment (including any premium adjustment shown in your renewal invitation) using your existing arrangement, unless you tell us otherwise or if your risk changes. If your policy schedule does not show that the policy is ona continuing cover basis, cover will cease at the end of the period of insurance, unless you renew your policy with us. We will provide you witha statement of fact each year and provided that the information contained within the statement of fact is true, complete and accurate, you do not need to provide us with any further information. If any of the information in your statement of fact is not true, complete and accurate, you must let us know. If you do not let us know, it may affect the validity of the policy or our ability to pay a claim. Retroactive dates, geographical and jurisdiction limits Where any section of your policy schedule includes a retroactive date, we will not make any payment for any claim or loss under that section which arises from any activity performed or any act, incident or occurrence taking place, before the retroactive date. Where any section of your policy schedule shows the geographical limits which apply to that section of the policy, we will only pay for claims and losses under that section which arise from activities performed or acts, incidents or occurrences taking place within those geographical limits. Where any section provides cover in respect of your liability to third parties, we will only cover claims first made ina country within the applicable courts stated in that section of your policy schedule. Hiscox Business Insurance Policy summary JAC-PSC-UK-DC556(5.4) 17431b 07/20 Cancellation rights You can cancel this policy by giving us 30 days' notice. You will only be charged for the premiums due up to the date of cancellation. If we need to cancel the policy, we’ll give you 30 days’ notice in writing and refund any surplus premiums you might have paid. Please note – we may deduct an administration fee from any refunded payment.There is an exception to our 30-day notice period, which is triggered when we don’t receive your Direct Debit payments within the agreed 14-day period. At this point, we will contact you as soon as possible and stop the policyPage / 2 immediately. Underwritten by:Hiscox Underwriting Ltd on behalf of the insurers named in the schedule. Page / 1 Certificate of professional indemnity insurance Williams LLC Hiscox Underwriting Ltd of 1 Great St. Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Certificate of professional indemnity Insurance Policy number:5I2Q/D/07LZZGO8.2A2TV Name of policy holder:Williams LLC Period of insurance: From 19/03/19 to 11 June, 2024 both days inclusive. This policy isa Continuing cover policy Insurer: Hiscox Insurance Company Limited Retroactive date: 04 March, 2024 Level of cover:£1,000,000 Signed on behalf of Hiscox Underwriting Limited as agent for the insurers Jon Dye CEO, Hiscox UK Notes: (a) This insurance is subject to policy terms and conditions and any special terms notified to the InsuredPage / 1 Hiscox Business Insurance Policy Schedule 14502 10/18 This schedule tells you what is insured with us. It should be read carefully with your policy wording(s) and statement of fact detailed elsewhere in this document. Schedule effective date: 19/03/19 Insurance details Policy number: 5I2Q/D/07LZZGO8.2A2TV Period of insurance: From 19/03/19 to 11 June, 2024 both days inclusive. This policy isa Continuing cover policy. Insured: Williams LLC Address: Flat 8 Annette row South Jordanberg FARNHAM SO8E 8BS Additional insureds: None Business: Management Consultants Premium details Charged premium – the total amount you’ll pay for this policy. Charged premium: £4,084.62 Insurance Premium Tax (IPT): £105.18 Total charged premium: £946.70 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: £4,084.62 Insurance Premium Tax (IPT): £105.18 Annual total: £946.70 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 £2,946.29 Legal protection £100,000 £0 £2,216.11 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: 19/03/19 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 04 March, 2024 Insurer Hiscox Insurance Company LimitedPage / 1 Hiscox Insurance Summary of change Introduction This document has been created to help you understand the key changes to your Hiscox Insurance policy and how they may impact you. Your policy continues to offer professional, tailored insurance to protect you and give you peace of mind that if you need us, you will be supported by our award winning claims team. If you have a query not covered by this document, or if you have any questions or concerns about your policy you should contact us. Frequently asked questions What if my circumstances change during the period of insurance? If your circumstances change during the period of insurance, you only need to let us know if the change means that any of the information in the Statement of Fact is no longer true, complete and accurate. If there are no such changes, you do not need to let us know. If any of the information within the Statement of Fact becomes no longer complete, true or accurate at any point during the period of insurance you must tell us as it may affect the validity of the policy or our ability to pay a claim. Additionally, if your contact details change then you should let us know straightaway. Where doI find the limits that apply to my policy? You can find your maximum allowable limits for turnover and wage rollin your Statement of Fact. You must check this information and tell us or your broker if you expect to exceed the maximum amounts shown. Please note these values may have changed. If there are special limits or special excesses applying to particular covers or types of losses these will be shown in the policy schedule. Please check your policy schedule carefully as they may have changed. My new schedule shows a different premium to last year? What has changed? If an underwriter has reviewed your policy then they may have manually adjusted your premium, for example if you’ve had claims in the last 12 months. Where doI find out about any endorsements on my policy? You will be able to see if an endorsement has been applied or removed by reviewing your Policy Schedule. If you have any queries or concerns, please contact us or your broker if you have one. Hiscox Insurance Summary of change Professional indemnity for business management consultants Summary of change Changes to the cover The following table shows the differences between our new policy wordings (5570 WD- PROF-UK-MAN(7), 15579 WD-PROF-UK-MAN-AG(3)) and our previous wordings (5570 WD-PROF-UK-MAN(6), 15579 WD-PROF-UK-MAN-AG(2)). This isa summary of the changes only. You should refer to the schedule and policy wording for the full description of the cover in place. Area of cover Previous policy New policy Improvement in cover Claims against you Advertising claims. We will pay claims arising from your advertising or branding for defamation or infringement of copyright or moral rights. This does not include claims for passing off, unauthorised use of trademarks or false or misleading advertising. Previously cover was not restricted to defamation or the infringement of copyright or moral rights.Covered Amended Your own lossesChanges to ‘what is covered’ Losses from dishonesty. Your losses arising from the dishonesty of your employees, sub-contractors or outsourcers.Covered Not covered Area of cover Previous policy New policy Improvement in cover Cyber incident. We will not pay claims relating to an actual or possible cyber attack, hacker or social engineering communication. Previously we excluded any virus not specifically targeted at your system.Covered Not covered Computer or digital technology error. We will not pay claims arising from any negligent act, error or omission in the operation or maintenance of computer or digital technology such as development, installation, patching or upgrading.Covered Not coveredChanges to ‘what is not covered’ Infrastructure. We will not pay claims arising from the failure of the service provided by internet, telecommunications, utilities or other infrastructure providers.Covered Not covered Hiscox Insurance Summary of change Personal data. We will not pay claims relating to personal data. We will pay such claims where they arise from your performance ofa business activity and which is not otherwise excluded. Subject to the limit shown in the schedule.Covered Not covered Other important changes Control of defence. Under the previous wording we had a duty to defend you against any covered claim brought against you. We now have the right but not the obligation to take control of the conduct of the claim including the appointment of legal representation. Please refer to the policy wording for full details. SOC-PROF-UK-MAN(1) 21367 01/21
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5I2Q/D/07LZZGO8.2A2TV
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(?<=Policy number - )[-\w_\/\.]+?(?= Company name)
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19/03/19
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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 - nvxxno_ozjt_ Company name: Shaw, Bishop and Whitehouse It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : nvxxno_ozjt_. Company name: Shaw, Bishop and Whitehouse. Your Hiscox Insurance premium. Last year’s annual premium: This year’s annual premium. £ 6,621.00. £ 6,621.00. The premium includes all applicable insurance premium tax (IPT). Dear Dr Nathan Walton-Holland. Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on Thu 09 September, 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. £4,784.49. £4,784.49. Legal protection. £3,371.88. £3,371.88. 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 Shaw, Bishop and Whitehouse , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay. . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover. Policy summary for each cover. ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover . As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, 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 09 September, 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 : nvxxno_ozjt_ Company name: Shaw, Bishop and Whitehouse . It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : nvxxno_ozjt_ Company name: Shaw, Bishop and Whitehouse . Your Hiscox Insurance premium Last year’s annual premium: This year’s annual premium The premium includes all applicable insurance premium tax (IPT). £ 6,621.00 £ 6,621.00 . Your Hiscox Insurance premium . Last year’s annual premium: This year’s annual premium £ 6,621.00 £ 6,621.00 . The premium includes all applicable insurance premium tax (IPT). Dear Dr Nathan Walton-Holland . Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on Thu 09 September, 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 £4,784.49 £4,784.49 Legal protection £3,371.88 £3,371.88 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 Shaw, Bishop and Whitehouse , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover Policy summary for each cover ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, 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 09 September, 2021 . We’re here between 8:30am - 5:30pm Monday to Friday . Please note that we can only discuss policy changes with people named on the policy. Why renew with Hiscox - Reassuring: we offer a range of cover options that can be tailored to your needs - Flexible: we offer full flexibility to change your policy, with no administration fees - Award-winning cover : we’ve been named Best Small Business Insurer 7 years running by Start Your Business Magazine Please click this link for the Hiscox Referral Portal: https://refer.aklamio.com/hiscox/uk?source=postpurchase Thank you again for choosing Hiscox to insure your business. We hope you and your business have a very successful year. Kind regards Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on Thu 09 September, 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 £4,784.49 £4,784.49 Legal protection £3,371.88 £3,371.88 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 Shaw, Bishop and Whitehouse , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover Policy summary for each cover ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, 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 09 September, 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) £4,784.49 £3,371.88 £0.00 . This year’s annual Premium (exc IPT) £4,784.49 £3,371.88 . Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) . Professional indemnity £4,784.49 £4,784.49 . Legal protection £3,371.88 £3,371.88 . 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: Nathan Walton-Holland Frequency of collection: Annual Sort code: %BANK_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 24 August, 2019 £6,621.00 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: nvxxno_ozjt_ If you have any questions about your policy or payments, please call us on 0800 280 0351. We’re here between 8:30am - 5:30pm Monday to Friday or you can email us at service@hiscox.co.uk. Using your personal information Hiscox isa trading name ofa number of Hiscox companies. The specific company acting asa data controller of your personal information will be listed in the documentation we provide to you. If you are unsure you can also contact us at anytime by telephoning 01904 681198 or by emailing us at dataprotectionofficer@hiscox.com. We collect and process information about you in order to provide insurance policies and to process claims. Your information is also used for business purposes such as fraud prevention and detection and financial management. This may involve sharing your information with, and obtaining information about you from, our group companies and third parties such as brokers, loss adjusters, credit reference agencies, service providers, professional advisors, our regulators or fraud prevention agencies. We may record telephone calls to help us monitor and improve the service we provide. For further information on how your information is used and your rights in relation to your information please see our privacy policy at www.hiscox.co.uk/cookies-privacy. The Direct Debit Guarantee This Guarantee is offered by all banks and building societies that accept instructions to pay Direct Debits. If there are any changes to the amount, date or frequency of your Direct Debit Hiscox Underwriting Ltd will notify you ten working days in advance of your account being debited or as otherwise agreed. If you request Hiscox Underwriting Ltd to collect a payment, confirmation of the amount and date will be given to you at the time of the request. If an error is made in the payment of your Direct Debit by Hiscox Underwriting Ltd or your bank or building society you are entitled to a full and immediate refund of the amount paid from your bank or building society. – If you receive a refund you are not entitled to, you must pay it back when Hiscox Underwriting Ltd asks you to. You can cancel a Direct Debit at anytime by simply contacting your bank or building society. Written confirmation maybe required. Please also notify us. Page / 1 Hiscox Business Insurance Policy summary JAC-PSC-UK-DC556(5.4) 17431b 07/20 Your Hiscox Business Insurance policy summaries This document contains the summaries for any policy covers you have selected to protect your business. These summaries outline the key information about your policies so you can be confident that you have understood what you have bought and what you are covered for. However, you should carefully read your policy in full and ensure that you understand its terms and conditions in full. If you have any queries, you should contact Hiscox or your insurance advisor. Your side of the bargain Remember, your premium and insurance are based on the details you have provided to us. Please make sure this information accurately reflects your business and that you inform us immediately if anything needs to change. Please also tell us of any changes in circumstances that may affect the services provided by us or the cover provided by your policy. This is particularly important before taking out a policy, but it also applies throughout the life of the policy too. You need to consider: ■if you fail to fairly present the risk to us, including by failing to disclose any information material to the insurance, you could invalidate the policy, claims may not be paid or the amount we pay maybe reduced; ■you should read and check all insurance documents to ensure that you are aware of the cover, limits and other terms that apply; ■if you fail to let us know of any changes to your circumstances during the period of insurance or, if when telling us about such changes you fail to present the risk to us fairly, you could invalidate the policy, claims may not be paid or the amount we pay maybe reduced; ■please be aware of all terms and conditions of your policy because failure to comply with them could invalidate it or result in us not paying a claim or reducing the amount we pay; ■in the event ofa claim, you should take note of the required procedures, such as giving Hiscox prompt notice of the claims, as stated in the policy documentation. In particular, if you fail to notify us when you first become aware ofa shortcoming, fact, or problem, admit you are liable for what has happened or appoint solicitors or other legal representation without our prior written approval, claims or defence costs may not be paid or the amount we pay maybe reduced; ■as with any insurance, you have an obligation to take reasonable steps to mitigate any loss or liability; ■if you make a fraudulent claim or try to deceive us, we may terminate the policy. Policy length The period of insurance is shown on your policy schedule. Your policy schedule will also show if the policy is ona continuing cover basis. If itis ona continuing cover basis, we will renew your policy each year for another 12 months and continue to take payment (including any premium adjustment shown in your renewal invitation) using your existing arrangement, unless you tell us otherwise or if your risk changes. If your policy schedule does not show that the policy is ona continuing cover basis, cover will cease at the end of the period of insurance, unless you renew your policy with us. We will provide you witha statement of fact each year and provided that the information contained within the statement of fact is true, complete and accurate, you do not need to provide us with any further information. If any of the information in your statement of fact is not true, complete and accurate, you must let us know. If you do not let us know, it may affect the validity of the policy or our ability to pay a claim. Retroactive dates, geographical and jurisdiction limits Where any section of your policy schedule includes a retroactive date, we will not make any payment for any claim or loss under that section which arises from any activity performed or any act, incident or occurrence taking place, before the retroactive date. Where any section of your policy schedule shows the geographical limits which apply to that section of the policy, we will only pay for claims and losses under that section which arise from activities performed or acts, incidents or occurrences taking place within those geographical limits. Where any section provides cover in respect of your liability to third parties, we will only cover claims first made ina country within the applicable courts stated in that section of your policy schedule. Hiscox Business Insurance Policy summary JAC-PSC-UK-DC556(5.4) 17431b 07/20 Cancellation rights You can cancel this policy by giving us 30 days' notice. You will only be charged for the premiums due up to the date of cancellation. If we need to cancel the policy, we’ll give you 30 days’ notice in writing and refund any surplus premiums you might have paid. Please note – we may deduct an administration fee from any refunded payment.There is an exception to our 30-day notice period, which is triggered when we don’t receive your Direct Debit payments within the agreed 14-day period. At this point, we will contact you as soon as possible and stop the 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, Bishop and Whitehouse Hiscox Underwriting Ltd of 1 Great St. Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Certificate of professional indemnity Insurance Policy number:nvxxno_ozjt_ Name of policy holder:Shaw, Bishop and Whitehouse Period of insurance: From Thu 09 September, 2021 to 24/07/21 both days inclusive. This policy isa Continuing cover policy Insurer: Hiscox Insurance Company Limited Retroactive date: 2022-03-31 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: Thu 09 September, 2021 Insurance details Policy number: nvxxno_ozjt_ Period of insurance: From Thu 09 September, 2021 to 24/07/21 both days inclusive. This policy isa Continuing cover policy. Insured: Shaw, Bishop and Whitehouse Address: 775 Morrison common West Teresaside FARNHAM HR1H 7GS Additional insureds: None Business: Management Consultants Premium details Charged premium – the total amount you’ll pay for this policy. Charged premium: £8,806.31 Insurance Premium Tax (IPT): £6,490.52 Total charged premium: £6,621.00 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: £8,806.31 Insurance Premium Tax (IPT): £6,490.52 Annual total: £6,621.00 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 £4,784.49 Legal protection £100,000 £0 £3,371.88 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: Thu 09 September, 2021 Limit of indemnity £1,000,000 Limit applies to in the aggregate, including all costs Excess £1,000 Excess applies to each and every claim or loss, including all costs Geographical limits Worldwide Applicable courts Worldwide (excluding United States of America and Canada) Claims brought in USA or Canada Not covered Additional covers (in addition to overall limit of indemnity stated above) Cover Limit of indemnity Limit applies to Court attendance compensation - employees £250 per person, per day Court attendance compensation - directors and partners£500 per person, per day Court attendance compensation: in total £100,000 in the aggregate Special limits (included within not in addition to the overall limit of indemnity stated above) Cover Limit of indemnity Limit applies to Personal data claims £250,000 in the aggregate, including all costs Business activities Business managementPage / 2 consultant Retroactive date 2022-03-31 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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nvxxno_ozjt_
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(?<=Policy number - )[-\w_\/\.]+?(?= Company name)
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Thu 09 September, 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 - JS_NLZS.XWX Company name: Jones, Thomas and Nicholson It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : JS_NLZS.XWX. Company name: Jones, Thomas and Nicholson. Your Hiscox Insurance premium. Last year’s annual premium: This year’s annual premium. £ 4,540.77. £ 4,540.77. The premium includes all applicable insurance premium tax (IPT). Dear Dr Pamela Shaw. Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 16/12/21 . Good news; if you want cover to continue with us and to make sure you stay protected by our award-winning cover, you do not need to do anything. We will update your policy onto our latest wording and continue to collect payment using the payment details we have for you. You must read the important information contained in this email and the attached documents. Your Hiscox Insurance Premium breakdown. The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). The amount shown as last year’s Annual premium will take into account any changes to the cover which may have been made during the last policy period. Cover. Last year’s annual premium (exc IPT). This year’s annual Premium (exc IPT). Professional indemnity. £883.67. £883.67. Legal protection. £120.73. £120.73. Crisis containment. £0.00. Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy . Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government increase in Insurance Premium Tax as shown. Is our information correct? Your premium and cover are based on what you’ve told us about Jones, Thomas and Nicholson , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay. . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover. Policy summary for each cover. ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover . As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before 16/12/21 . We’re here between 8:30am - 5:30pm Monday to Friday . Please note that we can only discuss policy changes with people named on the policy. Why renew with Hiscox. - Reassuring: we offer a range of cover options that can be tailored to your needs. - Flexible: we offer full flexibility to change your policy, with no administration fees . - Award-winning cover : we’ve been named Best Small Business Insurer 7 years running by Start Your Business Magazine . Please click this link for the Hiscox Referral Portal: https://refer.aklamio.com/hiscox/uk?source=postpurchase. Thank you again for choosing Hiscox to insure your business. We hope you and your business have a very successful year. Kind regards. Jon Dye. CEO, Hiscox UK. Business Insurance for the small and the brave. To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre. Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. This email and any files transmitted with it are confidential and intended solely for the use of the individual or entity to whom they are addressed. No one else is authorised to distribute, forward, print, copy or act upon any information contained in this email. If you have received this email in error, please notify the sender. Hiscox Syndicates Limited and Hiscox Insurance Company Limited are authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Hiscox Underwriting Limited, Hiscox Underwriting Services Ltd, Hiscox MGA Ltd and Hiscox ASM Ltd are authorised and regulated by the Financial Conduct Authority. Hiscox Assure SAS is duly registered as an insurance broker with the ORIAS, which is the French Official Registry of Insurance Intermediaries. Hiscox plc is a company registered in England and Wales under company registration number 2837811 and registered office at 1 Great St Helen's, London EC3A 6HX. Hiscox SA is a company registered in Luxembourg at 35 Avenue John F. Kennedy 35F, Luxembourg L-1855, and is authorised by the Commissariat aux Assurances de Luxembourg. It’s time to renew your Hiscox Business Insurance Hiscox Insurance policy number : JS_NLZS.XWX Company name: Jones, Thomas and Nicholson . It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : JS_NLZS.XWX Company name: Jones, Thomas and Nicholson . Your Hiscox Insurance premium Last year’s annual premium: This year’s annual premium The premium includes all applicable insurance premium tax (IPT). £ 4,540.77 £ 4,540.77 . Your Hiscox Insurance premium . Last year’s annual premium: This year’s annual premium £ 4,540.77 £ 4,540.77 . The premium includes all applicable insurance premium tax (IPT). Dear Dr Pamela Shaw . Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 16/12/21 . Good news; if you want cover to continue with us and to make sure you stay protected by our award-winning cover, you do not need to do anything. We will update your policy onto our latest wording and continue to collect payment using the payment details we have for you. You must read the important information contained in this email and the attached documents Your Hiscox Insurance Premium breakdown The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). The amount shown as last year’s Annual premium will take into account any changes to the cover which may have been made during the last policy period. Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) Professional indemnity £883.67 £883.67 Legal protection £120.73 £120.73 Crisis containment £0.00 Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government increase in Insurance Premium Tax as shown. Is our information correct? Your premium and cover are based on what you’ve told us about Jones, Thomas and Nicholson , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover Policy summary for each cover ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before 16/12/21 . We’re here between 8:30am - 5:30pm Monday to Friday . Please note that we can only discuss policy changes with people named on the policy. Why renew with Hiscox - Reassuring: we offer a range of cover options that can be tailored to your needs - Flexible: we offer full flexibility to change your policy, with no administration fees - Award-winning cover : we’ve been named Best Small Business Insurer 7 years running by Start Your Business Magazine Please click this link for the Hiscox Referral Portal: https://refer.aklamio.com/hiscox/uk?source=postpurchase Thank you again for choosing Hiscox to insure your business. We hope you and your business have a very successful year. Kind regards Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 16/12/21 . Good news; if you want cover to continue with us and to make sure you stay protected by our award-winning cover, you do not need to do anything. We will update your policy onto our latest wording and continue to collect payment using the payment details we have for you. You must read the important information contained in this email and the attached documents Your Hiscox Insurance Premium breakdown The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). The amount shown as last year’s Annual premium will take into account any changes to the cover which may have been made during the last policy period. Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) Professional indemnity £883.67 £883.67 Legal protection £120.73 £120.73 Crisis containment £0.00 Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government increase in Insurance Premium Tax as shown. Is our information correct? Your premium and cover are based on what you’ve told us about Jones, Thomas and Nicholson , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover Policy summary for each cover ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before 16/12/21 . We’re here between 8:30am - 5:30pm Monday to Friday . Please note that we can only discuss policy changes with people named on the policy. Why renew with Hiscox - Reassuring: we offer a range of cover options that can be tailored to your needs - Flexible: we offer full flexibility to change your policy, with no administration fees - Award-winning cover : we’ve been named Best Small Business Insurer 7 years running by Start Your Business Magazine Please click this link for the Hiscox Referral Portal: https://refer.aklamio.com/hiscox/uk?source=postpurchase Thank you again for choosing Hiscox to insure your business. We hope you and your business have a very successful year. Kind regards Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Your Hiscox Insurance Premium breakdown The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). Cover Professional indemnity Legal protection Crisis containment . Last year’s annual premium (exc IPT) £883.67 £120.73 £0.00 . This year’s annual Premium (exc IPT) £883.67 £120.73 . Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) . Professional indemnity £883.67 £883.67 . Legal protection £120.73 £120.73 . 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: Pamela 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 Saturday 09 September, 2023 £4,540.77 Where your chosen collection date falls ona non-working day then we will endeavour to collect the next working day. For your information, the collections will be made using the following reference number: Originator Identification Number: 293461 Reference Number: JS_NLZS.XWX If you have any questions about your policy or payments, please call us on 0800 280 0351. We’re here between 8:30am - 5:30pm Monday to Friday or you can email us at service@hiscox.co.uk. Using your personal information Hiscox isa trading name ofa number of Hiscox companies. The specific company acting asa data controller of your personal information will be listed in the documentation we provide to you. If you are unsure you can also contact us at anytime by telephoning 01904 681198 or by emailing us at dataprotectionofficer@hiscox.com. We collect and process information about you in order to provide insurance policies and to process claims. Your information is also used for business purposes such as fraud prevention and detection and financial management. This may involve sharing your information with, and obtaining information about you from, our group companies and third parties such as brokers, loss adjusters, credit reference agencies, service providers, professional advisors, our regulators or fraud prevention agencies. We may record telephone calls to help us monitor and improve the service we provide. For further information on how your information is used and your rights in relation to your information please see our privacy policy at www.hiscox.co.uk/cookies-privacy. The Direct Debit Guarantee This Guarantee is offered by all banks and building societies that accept instructions to pay Direct Debits. If there are any changes to the amount, date or frequency of your Direct Debit Hiscox Underwriting Ltd will notify you ten working days in advance of your account being debited or as otherwise agreed. If you request Hiscox Underwriting Ltd to collect a payment, confirmation of the amount and date will be given to you at the time of the request. If an error is made in the payment of your Direct Debit by Hiscox Underwriting Ltd or your bank or building society you are entitled to a full and immediate refund of the amount paid from your bank or building society. – If you receive a refund you are not entitled to, you must pay it back when Hiscox Underwriting Ltd asks you to. You can cancel a Direct Debit at anytime by simply contacting your bank or building society. Written confirmation maybe required. Please also notify us. Page / 1 Hiscox Business Insurance Policy summary JAC-PSC-UK-DC556(5.4) 17431b 07/20 Your Hiscox Business Insurance policy summaries This document contains the summaries for any policy covers you have selected to protect your business. These summaries outline the key information about your policies so you can be confident that you have understood what you have bought and what you are covered for. However, you should carefully read your policy in full and ensure that you understand its terms and conditions in full. If you have any queries, you should contact Hiscox or your insurance advisor. Your side of the bargain Remember, your premium and insurance are based on the details you have provided to us. Please make sure this information accurately reflects your business and that you inform us immediately if anything needs to change. Please also tell us of any changes in circumstances that may affect the services provided by us or the cover provided by your policy. This is particularly important before taking out a policy, but it also applies throughout the life of the policy too. You need to consider: ■if you fail to fairly present the risk to us, including by failing to disclose any information material to the insurance, you could invalidate the policy, claims may not be paid or the amount we pay maybe reduced; ■you should read and check all insurance documents to ensure that you are aware of the cover, limits and other terms that apply; ■if you fail to let us know of any changes to your circumstances during the period of insurance or, if when telling us about such changes you fail to present the risk to us fairly, you could invalidate the policy, claims may not be paid or the amount we pay maybe reduced; ■please be aware of all terms and conditions of your policy because failure to comply with them could invalidate it or result in us not paying a claim or reducing the amount we pay; ■in the event ofa claim, you should take note of the required procedures, such as giving Hiscox prompt notice of the claims, as stated in the policy documentation. In particular, if you fail to notify us when you first become aware ofa shortcoming, fact, or problem, admit you are liable for what has happened or appoint solicitors or other legal representation without our prior written approval, claims or defence costs may not be paid or the amount we pay maybe reduced; ■as with any insurance, you have an obligation to take reasonable steps to mitigate any loss or liability; ■if you make a fraudulent claim or try to deceive us, we may terminate the policy. Policy length The period of insurance is shown on your policy schedule. Your policy schedule will also show if the policy is ona continuing cover basis. If itis ona continuing cover basis, we will renew your policy each year for another 12 months and continue to take payment (including any premium adjustment shown in your renewal invitation) using your existing arrangement, unless you tell us otherwise or if your risk changes. If your policy schedule does not show that the policy is ona continuing cover basis, cover will cease at the end of the period of insurance, unless you renew your policy with us. We will provide you witha statement of fact each year and provided that the information contained within the statement of fact is true, complete and accurate, you do not need to provide us with any further information. If any of the information in your statement of fact is not true, complete and accurate, you must let us know. If you do not let us know, it may affect the validity of the policy or our ability to pay a claim. Retroactive dates, geographical and jurisdiction limits Where any section of your policy schedule includes a retroactive date, we will not make any payment for any claim or loss under that section which arises from any activity performed or any act, incident or occurrence taking place, before the retroactive date. Where any section of your policy schedule shows the geographical limits which apply to that section of the policy, we will only pay for claims and losses under that section which arise from activities performed or acts, incidents or occurrences taking place within those geographical limits. Where any section provides cover in respect of your liability to third parties, we will only cover claims first made ina country within the applicable courts stated in that section of your policy schedule. Hiscox Business Insurance Policy summary JAC-PSC-UK-DC556(5.4) 17431b 07/20 Cancellation rights You can cancel this policy by giving us 30 days' notice. You will only be charged for the premiums due up to the date of cancellation. If we need to cancel the policy, we’ll give you 30 days’ notice in writing and refund any surplus premiums you might have paid. Please note – we may deduct an administration fee from any refunded payment.There is an exception to our 30-day notice period, which is triggered when we don’t receive your Direct Debit payments within the agreed 14-day period. At this point, we will contact you as soon as possible and stop the 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, Thomas and Nicholson Hiscox Underwriting Ltd of 1 Great St. Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Certificate of professional indemnity Insurance Policy number:JS_NLZS.XWX Name of policy holder:Jones, Thomas and Nicholson Period of insurance: From 16/12/21 to 17/12/2025 both days inclusive. This policy isa Continuing cover policy Insurer: Hiscox Insurance Company Limited Retroactive date: Sun 22 September, 2019 Level of cover:£1,000,000 Signed on behalf of Hiscox Underwriting Limited as agent for the insurers Jon Dye CEO, Hiscox UK Notes: (a) This insurance is subject to policy terms and conditions and any special terms notified to the InsuredPage / 1 Hiscox Business Insurance Policy Schedule 14502 10/18 This schedule tells you what is insured with us. It should be read carefully with your policy wording(s) and statement of fact detailed elsewhere in this document. Schedule effective date: 16/12/21 Insurance details Policy number: JS_NLZS.XWX Period of insurance: From 16/12/21 to 17/12/2025 both days inclusive. This policy isa Continuing cover policy. Insured: Jones, Thomas and Nicholson Address: Flat 48 Andrew vista South Jason FARNHAM W5K 0XE Additional insureds: None Business: Management Consultants Premium details Charged premium – the total amount you’ll pay for this policy. Charged premium: £4,469.43 Insurance Premium Tax (IPT): £4,041.48 Total charged premium: £4,540.77 Annualised premium – the annual premium for this policy. This is given for comparison purposes. Please refer to the charged premium section for the amount you’ll pay for the policy. Annual premium: £4,469.43 Insurance Premium Tax (IPT): £4,041.48 Annual total: £4,540.77 Please note that there will be no refund or additional premium for any transaction which is less than £20 (excluding IPT). Hiscox Business Insurance Policy Schedule 14502 10/18 Summary Claims information If you need to make a claim: - For claims relating to your building or contents please contact our claims team on 0800 247 1902, 9.00am – 5:30pm Monday to Friday. If you wish to make a claim online, you can log most claims quickly and easily through our claims notification portal at https://claims.hiscox.co.uk/. Outside of normal business hours, if you require emergency assistance in relation to substantial damage to your property, you can speak to our 24-hour emergency assistance team using the telephone number above. Your policy schedule will state if property cover is included in your policy. Our out-of-hours emergency assistance team operate ona pay-and-claim basis and you will need to have credit card details available as appropriate. The team will then be able to direct you to essential tradesmen, emergency loss adjusters or disaster management companies in the event of substantial damage. - If there isa claim (or potential claim) against you bya third party, please email us at liability.claims@hiscox.com. If you need to speak to a member of the claims team urgently, please call our team on 0800 711 7156, 9.00am – 5:30pm Monday to Friday. If you wish to make a claim online, you can log most claims quickly and easily through our claims notification portal at https://claims.hiscox.co.uk/. You will need to provide your full name and contact details, the name of your business or organisation, your address and postcode, the policy reference and circumstances of the claim. The Important information and contact details section below contains additional information specific to the covers applicable to your policy. If you are unsure of who to contact please call our team on 0800 711 7156, 9.00am – 5:30pm Monday to Friday. They will ensure you get through to the correct claims team and let you know what actions you need to take. If anything happens that might be covered under the policy, you must comply with the obligations set out in General claims conditions, together with the obligations set out under Your obligations in the section or sections under which you are making the claim. Itis important that you read the policy for details of its terms in full. Your covers This isa summary of each section of your policy. See each section for cover details. Cover Insurance amount Excess Annual Premium (exc IPT) Professional indemnity £1,000,000 £1,000 £883.67 Legal protection £100,000 £0 £120.73 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: 16/12/21 Limit of indemnity £1,000,000 Limit applies to in the aggregate, including all costs Excess £1,000 Excess applies to each and every claim or loss, including all costs Geographical limits Worldwide Applicable courts Worldwide (excluding United States of America and Canada) Claims brought in USA or Canada Not covered Additional covers (in addition to overall limit of indemnity stated above) Cover Limit of indemnity Limit applies to Court attendance compensation - employees £250 per person, per day Court attendance compensation - directors and partners£500 per person, per day Court attendance compensation: in total £100,000 in the aggregate Special limits (included within not in addition to the overall limit of indemnity stated above) Cover Limit of indemnity Limit applies to Personal data claims £250,000 in the aggregate, including all costs Business activities Business managementPage / 2 consultant Retroactive date Sun 22 September, 2019 Insurer Hiscox Insurance Company LimitedPage / 1 Hiscox Insurance Summary of change Introduction This document has been created to help you understand the key changes to your Hiscox Insurance policy and how they may impact you. Your policy continues to offer professional, tailored insurance to protect you and give you peace of mind that if you need us, you will be supported by our award winning claims team. If you have a query not covered by this document, or if you have any questions or concerns about your policy you should contact us. Frequently asked questions What if my circumstances change during the period of insurance? If your circumstances change during the period of insurance, you only need to let us know if the change means that any of the information in the Statement of Fact is no longer true, complete and accurate. If there are no such changes, you do not need to let us know. If any of the information within the Statement of Fact becomes no longer complete, true or accurate at any point during the period of insurance you must tell us as it may affect the validity of the policy or our ability to pay a claim. Additionally, if your contact details change then you should let us know straightaway. Where doI find the limits that apply to my policy? You can find your maximum allowable limits for turnover and wage rollin your Statement of Fact. You must check this information and tell us or your broker if you expect to exceed the maximum amounts shown. Please note these values may have changed. If there are special limits or special excesses applying to particular covers or types of losses these will be shown in the policy schedule. Please check your policy schedule carefully as they may have changed. My new schedule shows a different premium to last year? What has changed? If an underwriter has reviewed your policy then they may have manually adjusted your premium, for example if you’ve had claims in the last 12 months. Where doI find out about any endorsements on my policy? You will be able to see if an endorsement has been applied or removed by reviewing your Policy Schedule. If you have any queries or concerns, please contact us or your broker if you have one. Hiscox Insurance Summary of change Professional indemnity for business management consultants Summary of change Changes to the cover The following table shows the differences between our new policy wordings (5570 WD- PROF-UK-MAN(7), 15579 WD-PROF-UK-MAN-AG(3)) and our previous wordings (5570 WD-PROF-UK-MAN(6), 15579 WD-PROF-UK-MAN-AG(2)). This isa summary of the changes only. You should refer to the schedule and policy wording for the full description of the cover in place. Area of cover Previous policy New policy Improvement in cover Claims against you Advertising claims. We will pay claims arising from your advertising or branding for defamation or infringement of copyright or moral rights. This does not include claims for passing off, unauthorised use of trademarks or false or misleading advertising. Previously cover was not restricted to defamation or the infringement of copyright or moral rights.Covered Amended Your own lossesChanges to ‘what is covered’ Losses from dishonesty. Your losses arising from the dishonesty of your employees, sub-contractors or outsourcers.Covered Not covered Area of cover Previous policy New policy Improvement in cover Cyber incident. We will not pay claims relating to an actual or possible cyber attack, hacker or social engineering communication. Previously we excluded any virus not specifically targeted at your system.Covered Not covered Computer or digital technology error. We will not pay claims arising from any negligent act, error or omission in the operation or maintenance of computer or digital technology such as development, installation, patching or upgrading.Covered Not coveredChanges to ‘what is not covered’ Infrastructure. We will not pay claims arising from the failure of the service provided by internet, telecommunications, utilities or other infrastructure providers.Covered Not covered Hiscox Insurance Summary of change Personal data. We will not pay claims relating to personal data. We will pay such claims where they arise from your performance ofa business activity and which is not otherwise excluded. Subject to the limit shown in the schedule.Covered Not covered Other important changes Control of defence. Under the previous wording we had a duty to defend you against any covered claim brought against you. We now have the right but not the obligation to take control of the conduct of the claim including the appointment of legal representation. Please refer to the policy wording for full details. SOC-PROF-UK-MAN(1) 21367 01/21
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JS_NLZS.XWX
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(?<=Policy number - )[-\w_\/\.]+?(?= Company name)
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16/12/21
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(?<=anniversary of your policy is approaching on )[-\w_\/\. ,]+?(?= \.)
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Business
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(?<=time to renew your Hiscox )[-\w_\/\. ]+?(?= Insurance)
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2024-02-05
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hiscox-business-2
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Hiscox Business Insurance - Policy number - T7C.PMU/QM-22_LRI3G-0C0Z Company name: Kelly, Bird and Brown It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : T7C.PMU/QM-22_LRI3G-0C0Z. Company name: Kelly, Bird and Brown. Your Hiscox Insurance premium. Last year’s annual premium: This year’s annual premium. £ 1,590.34. £ 1,590.34. The premium includes all applicable insurance premium tax (IPT). Dear Mr Darren Green. Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 14/02/2020 . 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. £9,266.98. £9,266.98. Legal protection. £3,001.46. £3,001.46. 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 Kelly, Bird 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 14/02/2020 . 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 : T7C.PMU/QM-22_LRI3G-0C0Z Company name: Kelly, Bird and Brown . It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : T7C.PMU/QM-22_LRI3G-0C0Z Company name: Kelly, Bird 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). £ 1,590.34 £ 1,590.34 . Your Hiscox Insurance premium . Last year’s annual premium: This year’s annual premium £ 1,590.34 £ 1,590.34 . The premium includes all applicable insurance premium tax (IPT). Dear Mr Darren Green . Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 14/02/2020 . 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 £9,266.98 £9,266.98 Legal protection £3,001.46 £3,001.46 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 Kelly, Bird 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 14/02/2020 . 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 14/02/2020 . 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 £9,266.98 £9,266.98 Legal protection £3,001.46 £3,001.46 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 Kelly, Bird 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 14/02/2020 . 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) £9,266.98 £3,001.46 £0.00 . This year’s annual Premium (exc IPT) £9,266.98 £3,001.46 . Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) . Professional indemnity £9,266.98 £9,266.98 . Legal protection £3,001.46 £3,001.46 . 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: Darren 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 09 March, 2020 £1,590.34 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: T7C.PMU/QM-22_LRI3G-0C0Z If you have any questions about your policy or payments, please call us on 0800 280 0351. We’re here between 8:30am - 5:30pm Monday to Friday or you can email us at service@hiscox.co.uk. Using your personal information Hiscox isa trading name ofa number of Hiscox companies. The specific company acting asa data controller of your personal information will be listed in the documentation we provide to you. If you are unsure you can also contact us at anytime by telephoning 01904 681198 or by emailing us at dataprotectionofficer@hiscox.com. We collect and process information about you in order to provide insurance policies and to process claims. Your information is also used for business purposes such as fraud prevention and detection and financial management. This may involve sharing your information with, and obtaining information about you from, our group companies and third parties such as brokers, loss adjusters, credit reference agencies, service providers, professional advisors, our regulators or fraud prevention agencies. We may record telephone calls to help us monitor and improve the service we provide. For further information on how your information is used and your rights in relation to your information please see our privacy policy at www.hiscox.co.uk/cookies-privacy. The Direct Debit Guarantee This Guarantee is offered by all banks and building societies that accept instructions to pay Direct Debits. If there are any changes to the amount, date or frequency of your Direct Debit Hiscox Underwriting Ltd will notify you ten working days in advance of your account being debited or as otherwise agreed. If you request Hiscox Underwriting Ltd to collect a payment, confirmation of the amount and date will be given to you at the time of the request. If an error is made in the payment of your Direct Debit by Hiscox Underwriting Ltd or your bank or building society you are entitled to a full and immediate refund of the amount paid from your bank or building society. – If you receive a refund you are not entitled to, you must pay it back when Hiscox Underwriting Ltd asks you to. You can cancel a Direct Debit at anytime by simply contacting your bank or building society. Written confirmation maybe required. Please also notify us. Page / 1 Hiscox Business Insurance Policy summary JAC-PSC-UK-DC556(5.4) 17431b 07/20 Your Hiscox Business Insurance policy summaries This document contains the summaries for any policy covers you have selected to protect your business. These summaries outline the key information about your policies so you can be confident that you have understood what you have bought and what you are covered for. However, you should carefully read your policy in full and ensure that you understand its terms and conditions in full. If you have any queries, you should contact Hiscox or your insurance advisor. Your side of the bargain Remember, your premium and insurance are based on the details you have provided to us. Please make sure this information accurately reflects your business and that you inform us immediately if anything needs to change. Please also tell us of any changes in circumstances that may affect the services provided by us or the cover provided by your policy. This is particularly important before taking out a policy, but it also applies throughout the life of the policy too. You need to consider: ■if you fail to fairly present the risk to us, including by failing to disclose any information material to the insurance, you could invalidate the policy, claims may not be paid or the amount we pay maybe reduced; ■you should read and check all insurance documents to ensure that you are aware of the cover, limits and other terms that apply; ■if you fail to let us know of any changes to your circumstances during the period of insurance or, if when telling us about such changes you fail to present the risk to us fairly, you could invalidate the policy, claims may not be paid or the amount we pay maybe reduced; ■please be aware of all terms and conditions of your policy because failure to comply with them could invalidate it or result in us not paying a claim or reducing the amount we pay; ■in the event ofa claim, you should take note of the required procedures, such as giving Hiscox prompt notice of the claims, as stated in the policy documentation. In particular, if you fail to notify us when you first become aware ofa shortcoming, fact, or problem, admit you are liable for what has happened or appoint solicitors or other legal representation without our prior written approval, claims or defence costs may not be paid or the amount we pay maybe reduced; ■as with any insurance, you have an obligation to take reasonable steps to mitigate any loss or liability; ■if you make a fraudulent claim or try to deceive us, we may terminate the policy. Policy length The period of insurance is shown on your policy schedule. Your policy schedule will also show if the policy is ona continuing cover basis. If itis ona continuing cover basis, we will renew your policy each year for another 12 months and continue to take payment (including any premium adjustment shown in your renewal invitation) using your existing arrangement, unless you tell us otherwise or if your risk changes. If your policy schedule does not show that the policy is ona continuing cover basis, cover will cease at the end of the period of insurance, unless you renew your policy with us. We will provide you witha statement of fact each year and provided that the information contained within the statement of fact is true, complete and accurate, you do not need to provide us with any further information. If any of the information in your statement of fact is not true, complete and accurate, you must let us know. If you do not let us know, it may affect the validity of the policy or our ability to pay a claim. Retroactive dates, geographical and jurisdiction limits Where any section of your policy schedule includes a retroactive date, we will not make any payment for any claim or loss under that section which arises from any activity performed or any act, incident or occurrence taking place, before the retroactive date. Where any section of your policy schedule shows the geographical limits which apply to that section of the policy, we will only pay for claims and losses under that section which arise from activities performed or acts, incidents or occurrences taking place within those geographical limits. Where any section provides cover in respect of your liability to third parties, we will only cover claims first made ina country within the applicable courts stated in that section of your policy schedule. Hiscox Business Insurance Policy summary JAC-PSC-UK-DC556(5.4) 17431b 07/20 Cancellation rights You can cancel this policy by giving us 30 days' notice. You will only be charged for the premiums due up to the date of cancellation. If we need to cancel the policy, we’ll give you 30 days’ notice in writing and refund any surplus premiums you might have paid. Please note – we may deduct an administration fee from any refunded payment.There is an exception to our 30-day notice period, which is triggered when we don’t receive your Direct Debit payments within the agreed 14-day period. At this point, we will contact you as soon as possible and stop the policyPage / 2 immediately. Underwritten by:Hiscox Underwriting Ltd on behalf of the insurers named in the schedule. Page / 1 Certificate of professional indemnity insurance Kelly, Bird 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:T7C.PMU/QM-22_LRI3G-0C0Z Name of policy holder:Kelly, Bird and Brown Period of insurance: From 14/02/2020 to 20 November, 2025 both days inclusive. This policy isa Continuing cover policy Insurer: Hiscox Insurance Company Limited Retroactive date: 18/09/2024 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: 14/02/2020 Insurance details Policy number: T7C.PMU/QM-22_LRI3G-0C0Z Period of insurance: From 14/02/2020 to 20 November, 2025 both days inclusive. This policy isa Continuing cover policy. Insured: Kelly, Bird and Brown Address: Flat 06 Matthew divide South Rachel FARNHAM DN1 6HU Additional insureds: None Business: Management Consultants Premium details Charged premium – the total amount you’ll pay for this policy. Charged premium: £4,585.07 Insurance Premium Tax (IPT): £8,383.64 Total charged premium: £1,590.34 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: £4,585.07 Insurance Premium Tax (IPT): £8,383.64 Annual total: £1,590.34 Please note that there will be no refund or additional premium for any transaction which is less than £20 (excluding IPT). Hiscox Business Insurance Policy Schedule 14502 10/18 Summary Claims information If you need to make a claim: - For claims relating to your building or contents please contact our claims team on 0800 247 1902, 9.00am – 5:30pm Monday to Friday. If you wish to make a claim online, you can log most claims quickly and easily through our claims notification portal at https://claims.hiscox.co.uk/. Outside of normal business hours, if you require emergency assistance in relation to substantial damage to your property, you can speak to our 24-hour emergency assistance team using the telephone number above. Your policy schedule will state if property cover is included in your policy. Our out-of-hours emergency assistance team operate ona pay-and-claim basis and you will need to have credit card details available as appropriate. The team will then be able to direct you to essential tradesmen, emergency loss adjusters or disaster management companies in the event of substantial damage. - If there isa claim (or potential claim) against you bya third party, please email us at liability.claims@hiscox.com. If you need to speak to a member of the claims team urgently, please call our team on 0800 711 7156, 9.00am – 5:30pm Monday to Friday. If you wish to make a claim online, you can log most claims quickly and easily through our claims notification portal at https://claims.hiscox.co.uk/. You will need to provide your full name and contact details, the name of your business or organisation, your address and postcode, the policy reference and circumstances of the claim. The Important information and contact details section below contains additional information specific to the covers applicable to your policy. If you are unsure of who to contact please call our team on 0800 711 7156, 9.00am – 5:30pm Monday to Friday. They will ensure you get through to the correct claims team and let you know what actions you need to take. If anything happens that might be covered under the policy, you must comply with the obligations set out in General claims conditions, together with the obligations set out under Your obligations in the section or sections under which you are making the claim. Itis important that you read the policy for details of its terms in full. Your covers This isa summary of each section of your policy. See each section for cover details. Cover Insurance amount Excess Annual Premium (exc IPT) Professional indemnity £1,000,000 £1,000 £9,266.98 Legal protection £100,000 £0 £3,001.46 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: 14/02/2020 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 18/09/2024 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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T7C.PMU/QM-22_LRI3G-0C0Z
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(?<=Policy number - )[-\w_\/\.]+?(?= Company name)
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14/02/2020
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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 - EXX/ON3K/W4O Company name: Kirby-Phillips It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : EXX/ON3K/W4O. Company name: Kirby-Phillips. Your Hiscox Insurance premium. Last year’s annual premium: This year’s annual premium. £ 2,883.95. £ 2,883.95. The premium includes all applicable insurance premium tax (IPT). Dear Mr Ben Pearson. Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on Thursday 21 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. £7,775.91. £7,775.91. Legal protection. £164.54. £164.54. 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 Kirby-Phillips , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay. . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover. Policy summary for each cover. ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover . As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before Thursday 21 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 : EXX/ON3K/W4O Company name: Kirby-Phillips . It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : EXX/ON3K/W4O Company name: Kirby-Phillips . Your Hiscox Insurance premium Last year’s annual premium: This year’s annual premium The premium includes all applicable insurance premium tax (IPT). £ 2,883.95 £ 2,883.95 . Your Hiscox Insurance premium . Last year’s annual premium: This year’s annual premium £ 2,883.95 £ 2,883.95 . The premium includes all applicable insurance premium tax (IPT). Dear Mr Ben Pearson . Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on Thursday 21 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 £7,775.91 £7,775.91 Legal protection £164.54 £164.54 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 Kirby-Phillips , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover Policy summary for each cover ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before Thursday 21 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 Thursday 21 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 £7,775.91 £7,775.91 Legal protection £164.54 £164.54 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 Kirby-Phillips , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover Policy summary for each cover ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before Thursday 21 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) £7,775.91 £164.54 £0.00 . This year’s annual Premium (exc IPT) £7,775.91 £164.54 . Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) . Professional indemnity £7,775.91 £7,775.91 . Legal protection £164.54 £164.54 . 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: Ben Pearson Frequency of collection: Annual Sort code: %BANK_SORT_CODE_1% Account number: %BANK_ACCOUNT_NUMBER_1% Your Direct Debit schedule We will take payments on the dates outlined below: Date Amount 2019-07-14 £2,883.95 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: EXX/ON3K/W4O If you have any questions about your policy or payments, please call us on 0800 280 0351. We’re here between 8:30am - 5:30pm Monday to Friday or you can email us at service@hiscox.co.uk. Using your personal information Hiscox isa trading name ofa number of Hiscox companies. The specific company acting asa data controller of your personal information will be listed in the documentation we provide to you. If you are unsure you can also contact us at anytime by telephoning 01904 681198 or by emailing us at dataprotectionofficer@hiscox.com. We collect and process information about you in order to provide insurance policies and to process claims. Your information is also used for business purposes such as fraud prevention and detection and financial management. This may involve sharing your information with, and obtaining information about you from, our group companies and third parties such as brokers, loss adjusters, credit reference agencies, service providers, professional advisors, our regulators or fraud prevention agencies. We may record telephone calls to help us monitor and improve the service we provide. For further information on how your information is used and your rights in relation to your information please see our privacy policy at www.hiscox.co.uk/cookies-privacy. The Direct Debit Guarantee This Guarantee is offered by all banks and building societies that accept instructions to pay Direct Debits. If there are any changes to the amount, date or frequency of your Direct Debit Hiscox Underwriting Ltd will notify you ten working days in advance of your account being debited or as otherwise agreed. If you request Hiscox Underwriting Ltd to collect a payment, confirmation of the amount and date will be given to you at the time of the request. If an error is made in the payment of your Direct Debit by Hiscox Underwriting Ltd or your bank or building society you are entitled to a full and immediate refund of the amount paid from your bank or building society. – If you receive a refund you are not entitled to, you must pay it back when Hiscox Underwriting Ltd asks you to. You can cancel a Direct Debit at anytime by simply contacting your bank or building society. Written confirmation maybe required. Please also notify us. Page / 1 Hiscox Business Insurance Policy summary JAC-PSC-UK-DC556(5.4) 17431b 07/20 Your Hiscox Business Insurance policy summaries This document contains the summaries for any policy covers you have selected to protect your business. These summaries outline the key information about your policies so you can be confident that you have understood what you have bought and what you are covered for. However, you should carefully read your policy in full and ensure that you understand its terms and conditions in full. If you have any queries, you should contact Hiscox or your insurance advisor. Your side of the bargain Remember, your premium and insurance are based on the details you have provided to us. Please make sure this information accurately reflects your business and that you inform us immediately if anything needs to change. Please also tell us of any changes in circumstances that may affect the services provided by us or the cover provided by your policy. This is particularly important before taking out a policy, but it also applies throughout the life of the policy too. You need to consider: ■if you fail to fairly present the risk to us, including by failing to disclose any information material to the insurance, you could invalidate the policy, claims may not be paid or the amount we pay maybe reduced; ■you should read and check all insurance documents to ensure that you are aware of the cover, limits and other terms that apply; ■if you fail to let us know of any changes to your circumstances during the period of insurance or, if when telling us about such changes you fail to present the risk to us fairly, you could invalidate the policy, claims may not be paid or the amount we pay maybe reduced; ■please be aware of all terms and conditions of your policy because failure to comply with them could invalidate it or result in us not paying a claim or reducing the amount we pay; ■in the event ofa claim, you should take note of the required procedures, such as giving Hiscox prompt notice of the claims, as stated in the policy documentation. In particular, if you fail to notify us when you first become aware ofa shortcoming, fact, or problem, admit you are liable for what has happened or appoint solicitors or other legal representation without our prior written approval, claims or defence costs may not be paid or the amount we pay maybe reduced; ■as with any insurance, you have an obligation to take reasonable steps to mitigate any loss or liability; ■if you make a fraudulent claim or try to deceive us, we may terminate the policy. Policy length The period of insurance is shown on your policy schedule. Your policy schedule will also show if the policy is ona continuing cover basis. If itis ona continuing cover basis, we will renew your policy each year for another 12 months and continue to take payment (including any premium adjustment shown in your renewal invitation) using your existing arrangement, unless you tell us otherwise or if your risk changes. If your policy schedule does not show that the policy is ona continuing cover basis, cover will cease at the end of the period of insurance, unless you renew your policy with us. We will provide you witha statement of fact each year and provided that the information contained within the statement of fact is true, complete and accurate, you do not need to provide us with any further information. If any of the information in your statement of fact is not true, complete and accurate, you must let us know. If you do not let us know, it may affect the validity of the policy or our ability to pay a claim. Retroactive dates, geographical and jurisdiction limits Where any section of your policy schedule includes a retroactive date, we will not make any payment for any claim or loss under that section which arises from any activity performed or any act, incident or occurrence taking place, before the retroactive date. Where any section of your policy schedule shows the geographical limits which apply to that section of the policy, we will only pay for claims and losses under that section which arise from activities performed or acts, incidents or occurrences taking place within those geographical limits. Where any section provides cover in respect of your liability to third parties, we will only cover claims first made ina country within the applicable courts stated in that section of your policy schedule. Hiscox Business Insurance Policy summary JAC-PSC-UK-DC556(5.4) 17431b 07/20 Cancellation rights You can cancel this policy by giving us 30 days' notice. You will only be charged for the premiums due up to the date of cancellation. If we need to cancel the policy, we’ll give you 30 days’ notice in writing and refund any surplus premiums you might have paid. Please note – we may deduct an administration fee from any refunded payment.There is an exception to our 30-day notice period, which is triggered when we don’t receive your Direct Debit payments within the agreed 14-day period. At this point, we will contact you as soon as possible and stop the policyPage / 2 immediately. Underwritten by:Hiscox Underwriting Ltd on behalf of the insurers named in the schedule. Page / 1 Certificate of professional indemnity insurance Kirby-Phillips Hiscox Underwriting Ltd of 1 Great St. Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Certificate of professional indemnity Insurance Policy number:EXX/ON3K/W4O Name of policy holder:Kirby-Phillips Period of insurance: From Thursday 21 August, 2025 to 14 February, 2021 both days inclusive. This policy isa Continuing cover policy Insurer: Hiscox Insurance Company Limited Retroactive date: 15/03/20 Level of cover:£1,000,000 Signed on behalf of Hiscox Underwriting Limited as agent for the insurers Jon Dye CEO, Hiscox UK Notes: (a) This insurance is subject to policy terms and conditions and any special terms notified to the InsuredPage / 1 Hiscox Business Insurance Policy Schedule 14502 10/18 This schedule tells you what is insured with us. It should be read carefully with your policy wording(s) and statement of fact detailed elsewhere in this document. Schedule effective date: Thursday 21 August, 2025 Insurance details Policy number: EXX/ON3K/W4O Period of insurance: From Thursday 21 August, 2025 to 14 February, 2021 both days inclusive. This policy isa Continuing cover policy. Insured: Kirby-Phillips Address: Flat 15S Alex parkway Hazelmouth FARNHAM E28 8HF Additional insureds: None Business: Management Consultants Premium details Charged premium – the total amount you’ll pay for this policy. Charged premium: £4,522.10 Insurance Premium Tax (IPT): £6,582.93 Total charged premium: £2,883.95 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: £4,522.10 Insurance Premium Tax (IPT): £6,582.93 Annual total: £2,883.95 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 £7,775.91 Legal protection £100,000 £0 £164.54 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: Thursday 21 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 15/03/20 Insurer Hiscox Insurance Company LimitedPage / 1 Hiscox Insurance Summary of change Introduction This document has been created to help you understand the key changes to your Hiscox Insurance policy and how they may impact you. Your policy continues to offer professional, tailored insurance to protect you and give you peace of mind that if you need us, you will be supported by our award winning claims team. If you have a query not covered by this document, or if you have any questions or concerns about your policy you should contact us. Frequently asked questions What if my circumstances change during the period of insurance? If your circumstances change during the period of insurance, you only need to let us know if the change means that any of the information in the Statement of Fact is no longer true, complete and accurate. If there are no such changes, you do not need to let us know. If any of the information within the Statement of Fact becomes no longer complete, true or accurate at any point during the period of insurance you must tell us as it may affect the validity of the policy or our ability to pay a claim. Additionally, if your contact details change then you should let us know straightaway. Where doI find the limits that apply to my policy? You can find your maximum allowable limits for turnover and wage rollin your Statement of Fact. You must check this information and tell us or your broker if you expect to exceed the maximum amounts shown. Please note these values may have changed. If there are special limits or special excesses applying to particular covers or types of losses these will be shown in the policy schedule. Please check your policy schedule carefully as they may have changed. My new schedule shows a different premium to last year? What has changed? If an underwriter has reviewed your policy then they may have manually adjusted your premium, for example if you’ve had claims in the last 12 months. Where doI find out about any endorsements on my policy? You will be able to see if an endorsement has been applied or removed by reviewing your Policy Schedule. If you have any queries or concerns, please contact us or your broker if you have one. Hiscox Insurance Summary of change Professional indemnity for business management consultants Summary of change Changes to the cover The following table shows the differences between our new policy wordings (5570 WD- PROF-UK-MAN(7), 15579 WD-PROF-UK-MAN-AG(3)) and our previous wordings (5570 WD-PROF-UK-MAN(6), 15579 WD-PROF-UK-MAN-AG(2)). This isa summary of the changes only. You should refer to the schedule and policy wording for the full description of the cover in place. Area of cover Previous policy New policy Improvement in cover Claims against you Advertising claims. We will pay claims arising from your advertising or branding for defamation or infringement of copyright or moral rights. This does not include claims for passing off, unauthorised use of trademarks or false or misleading advertising. Previously cover was not restricted to defamation or the infringement of copyright or moral rights.Covered Amended Your own lossesChanges to ‘what is covered’ Losses from dishonesty. Your losses arising from the dishonesty of your employees, sub-contractors or outsourcers.Covered Not covered Area of cover Previous policy New policy Improvement in cover Cyber incident. We will not pay claims relating to an actual or possible cyber attack, hacker or social engineering communication. Previously we excluded any virus not specifically targeted at your system.Covered Not covered Computer or digital technology error. We will not pay claims arising from any negligent act, error or omission in the operation or maintenance of computer or digital technology such as development, installation, patching or upgrading.Covered Not coveredChanges to ‘what is not covered’ Infrastructure. We will not pay claims arising from the failure of the service provided by internet, telecommunications, utilities or other infrastructure providers.Covered Not covered Hiscox Insurance Summary of change Personal data. We will not pay claims relating to personal data. We will pay such claims where they arise from your performance ofa business activity and which is not otherwise excluded. Subject to the limit shown in the schedule.Covered Not covered Other important changes Control of defence. Under the previous wording we had a duty to defend you against any covered claim brought against you. We now have the right but not the obligation to take control of the conduct of the claim including the appointment of legal representation. Please refer to the policy wording for full details. SOC-PROF-UK-MAN(1) 21367 01/21
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EXX/ON3K/W4O
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(?<=Policy number - )[-\w_\/\.]+?(?= Company name)
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Thursday 21 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 - YIVOSORCH/VKK-HAOD Company name: Webster, Thomas and Robson It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : YIVOSORCH/VKK-HAOD. Company name: Webster, Thomas and Robson. Your Hiscox Insurance premium. Last year’s annual premium: This year’s annual premium. £ 7,799.01. £ 7,799.01. The premium includes all applicable insurance premium tax (IPT). Dear Dr Dr Alexander Mitchell. Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on Fri 27 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. £681.35. £681.35. Legal protection. £7,155.78. £7,155.78. 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 Webster, Thomas and Robson , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay. . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover. Policy summary for each cover. ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover . As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, 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 27 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 : YIVOSORCH/VKK-HAOD Company name: Webster, Thomas and Robson . It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : YIVOSORCH/VKK-HAOD Company name: Webster, Thomas and Robson . Your Hiscox Insurance premium Last year’s annual premium: This year’s annual premium The premium includes all applicable insurance premium tax (IPT). £ 7,799.01 £ 7,799.01 . Your Hiscox Insurance premium . Last year’s annual premium: This year’s annual premium £ 7,799.01 £ 7,799.01 . The premium includes all applicable insurance premium tax (IPT). Dear Dr Dr Alexander Mitchell . Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on Fri 27 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 £681.35 £681.35 Legal protection £7,155.78 £7,155.78 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 Webster, Thomas and Robson , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover Policy summary for each cover ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, 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 27 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 Fri 27 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 £681.35 £681.35 Legal protection £7,155.78 £7,155.78 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 Webster, Thomas and Robson , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover Policy summary for each cover ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, 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 27 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) £681.35 £7,155.78 £0.00 . This year’s annual Premium (exc IPT) £681.35 £7,155.78 . Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) . Professional indemnity £681.35 £681.35 . Legal protection £7,155.78 £7,155.78 . Crisis containment £0.00 . Kind regards Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre . Kind regards . Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave . To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre . Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Page / 1 Hiscox Business Insurance Policy wording 17431a - DC565 WORDING 04/17Guide to sectionsIntroduction Policy wordings General terms and conditions Professional indemnity for business management consultants Legal protection Crisis containment Hiscox Business Insurance Policy wording 17431a - DC565 WORDING 04/17IntroductionThank you for choosing Hiscox to protect your business. We hope that the language and layout of this policy wording are clear because we want you to understand the insurance we provide as well as the responsibilities we have to each other. Please read this document, including the policy schedule, policy summary and statement of fact, and let us know as soon as possible if any of the details are shown incorrectly. We always try to deliver to the highest standards of service. Your views are important to us, so if you feel that our service is below the standard you would expect from Hiscox, please contact us on the phone number shown in your policy schedule. Please note that some of the words we use in this insurance are shown in bold type. These words are defined in each section of the wording. Page / 1 Hiscox Insurance Payment schedule Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Thank you for continuing to pay for your policy by Direct Debit. Please check these details and let us know if anything is incorrect or if the schedule is not suitable. Your reference details Account holder name: Dr Alexander Mitchell Frequency of collection: Annual Sort code: %BANK_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 May, 2019 £7,799.01 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: YIVOSORCH/VKK-HAOD If you have any questions about your policy or payments, please call us on 0800 280 0351. We’re here between 8:30am - 5:30pm Monday to Friday or you can email us at service@hiscox.co.uk. Using your personal information Hiscox isa trading name ofa number of Hiscox companies. The specific company acting asa data controller of your personal information will be listed in the documentation we provide to you. If you are unsure you can also contact us at anytime by telephoning 01904 681198 or by emailing us at dataprotectionofficer@hiscox.com. We collect and process information about you in order to provide insurance policies and to process claims. Your information is also used for business purposes such as fraud prevention and detection and financial management. This may involve sharing your information with, and obtaining information about you from, our group companies and third parties such as brokers, loss adjusters, credit reference agencies, service providers, professional advisors, our regulators or fraud prevention agencies. We may record telephone calls to help us monitor and improve the service we provide. For further information on how your information is used and your rights in relation to your information please see our privacy policy at www.hiscox.co.uk/cookies-privacy. The Direct Debit Guarantee This Guarantee is offered by all banks and building societies that accept instructions to pay Direct Debits. If there are any changes to the amount, date or frequency of your Direct Debit Hiscox Underwriting Ltd will notify you ten working days in advance of your account being debited or as otherwise agreed. If you request Hiscox Underwriting Ltd to collect a payment, confirmation of the amount and date will be given to you at the time of the request. If an error is made in the payment of your Direct Debit by Hiscox Underwriting Ltd or your bank or building society you are entitled to a full and immediate refund of the amount paid from your bank or building society. – If you receive a refund you are not entitled to, you must pay it back when Hiscox Underwriting Ltd asks you to. You can cancel a Direct Debit at anytime by simply contacting your bank or building society. Written confirmation maybe required. Please also notify us. Page / 1 Hiscox Business Insurance Policy summary JAC-PSC-UK-DC556(5.4) 17431b 07/20 Your Hiscox Business Insurance policy summaries This document contains the summaries for any policy covers you have selected to protect your business. These summaries outline the key information about your policies so you can be confident that you have understood what you have bought and what you are covered for. However, you should carefully read your policy in full and ensure that you understand its terms and conditions in full. If you have any queries, you should contact Hiscox or your insurance advisor. Your side of the bargain Remember, your premium and insurance are based on the details you have provided to us. Please make sure this information accurately reflects your business and that you inform us immediately if anything needs to change. Please also tell us of any changes in circumstances that may affect the services provided by us or the cover provided by your policy. This is particularly important before taking out a policy, but it also applies throughout the life of the policy too. You need to consider: ■if you fail to fairly present the risk to us, including by failing to disclose any information material to the insurance, you could invalidate the policy, claims may not be paid or the amount we pay maybe reduced; ■you should read and check all insurance documents to ensure that you are aware of the cover, limits and other terms that apply; ■if you fail to let us know of any changes to your circumstances during the period of insurance or, if when telling us about such changes you fail to present the risk to us fairly, you could invalidate the policy, claims may not be paid or the amount we pay maybe reduced; ■please be aware of all terms and conditions of your policy because failure to comply with them could invalidate it or result in us not paying a claim or reducing the amount we pay; ■in the event ofa claim, you should take note of the required procedures, such as giving Hiscox prompt notice of the claims, as stated in the policy documentation. In particular, if you fail to notify us when you first become aware ofa shortcoming, fact, or problem, admit you are liable for what has happened or appoint solicitors or other legal representation without our prior written approval, claims or defence costs may not be paid or the amount we pay maybe reduced; ■as with any insurance, you have an obligation to take reasonable steps to mitigate any loss or liability; ■if you make a fraudulent claim or try to deceive us, we may terminate the policy. Policy length The period of insurance is shown on your policy schedule. Your policy schedule will also show if the policy is ona continuing cover basis. If itis ona continuing cover basis, we will renew your policy each year for another 12 months and continue to take payment (including any premium adjustment shown in your renewal invitation) using your existing arrangement, unless you tell us otherwise or if your risk changes. If your policy schedule does not show that the policy is ona continuing cover basis, cover will cease at the end of the period of insurance, unless you renew your policy with us. We will provide you witha statement of fact each year and provided that the information contained within the statement of fact is true, complete and accurate, you do not need to provide us with any further information. If any of the information in your statement of fact is not true, complete and accurate, you must let us know. If you do not let us know, it may affect the validity of the policy or our ability to pay a claim. Retroactive dates, geographical and jurisdiction limits Where any section of your policy schedule includes a retroactive date, we will not make any payment for any claim or loss under that section which arises from any activity performed or any act, incident or occurrence taking place, before the retroactive date. Where any section of your policy schedule shows the geographical limits which apply to that section of the policy, we will only pay for claims and losses under that section which arise from activities performed or acts, incidents or occurrences taking place within those geographical limits. Where any section provides cover in respect of your liability to third parties, we will only cover claims first made ina country within the applicable courts stated in that section of your policy schedule. Hiscox Business Insurance Policy summary JAC-PSC-UK-DC556(5.4) 17431b 07/20 Cancellation rights You can cancel this policy by giving us 30 days' notice. You will only be charged for the premiums due up to the date of cancellation. If we need to cancel the policy, we’ll give you 30 days’ notice in writing and refund any surplus premiums you might have paid. Please note – we may deduct an administration fee from any refunded payment.There is an exception to our 30-day notice period, which is triggered when we don’t receive your Direct Debit payments within the agreed 14-day period. At this point, we will contact you as soon as possible and stop the policyPage / 2 immediately. Underwritten by:Hiscox Underwriting Ltd on behalf of the insurers named in the schedule. Page / 1 Certificate of professional indemnity insurance Webster, Thomas and Robson Hiscox Underwriting Ltd of 1 Great St. Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Certificate of professional indemnity Insurance Policy number:YIVOSORCH/VKK-HAOD Name of policy holder:Webster, Thomas and Robson Period of insurance: From Fri 27 September, 2019 to 01/03/19 both days inclusive. This policy isa Continuing cover policy Insurer: Hiscox Insurance Company Limited Retroactive date: 05 March, 2025 Level of cover:£1,000,000 Signed on behalf of Hiscox Underwriting Limited as agent for the insurers Jon Dye CEO, Hiscox UK Notes: (a) This insurance is subject to policy terms and conditions and any special terms notified to the InsuredPage / 1 Hiscox Business Insurance Policy Schedule 14502 10/18 This schedule tells you what is insured with us. It should be read carefully with your policy wording(s) and statement of fact detailed elsewhere in this document. Schedule effective date: Fri 27 September, 2019 Insurance details Policy number: YIVOSORCH/VKK-HAOD Period of insurance: From Fri 27 September, 2019 to 01/03/19 both days inclusive. This policy isa Continuing cover policy. Insured: Webster, Thomas and Robson Address: Studio 69y Richards streets Begumside FARNHAM IG1H 0ES Additional insureds: None Business: Management Consultants Premium details Charged premium – the total amount you’ll pay for this policy. Charged premium: £3,341.62 Insurance Premium Tax (IPT): £1,160.00 Total charged premium: £7,799.01 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: £3,341.62 Insurance Premium Tax (IPT): £1,160.00 Annual total: £7,799.01 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 £681.35 Legal protection £100,000 £0 £7,155.78 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: Fri 27 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 05 March, 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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YIVOSORCH/VKK-HAOD
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(?<=Policy number - )[-\w_\/\.]+?(?= Company name)
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Fri 27 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 - J0GJZO/57ATUQMJMIU/HUF Company name: Rice-Hughes It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : J0GJZO/57ATUQMJMIU/HUF. Company name: Rice-Hughes. Your Hiscox Insurance premium. Last year’s annual premium: This year’s annual premium. £ 1,159.32. £ 1,159.32. The premium includes all applicable insurance premium tax (IPT). Dear Ms Dr Allan Holt. Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on Friday 05 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. £8,770.92. £8,770.92. Legal protection. £5,345.48. £5,345.48. Crisis containment. £0.00. Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy . Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government increase in Insurance Premium Tax as shown. Is our information correct? Your premium and cover are based on what you’ve told us about Rice-Hughes , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay. . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover. Policy summary for each cover. ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover . As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before Friday 05 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 : J0GJZO/57ATUQMJMIU/HUF Company name: Rice-Hughes . It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : J0GJZO/57ATUQMJMIU/HUF Company name: Rice-Hughes . Your Hiscox Insurance premium Last year’s annual premium: This year’s annual premium The premium includes all applicable insurance premium tax (IPT). £ 1,159.32 £ 1,159.32 . Your Hiscox Insurance premium . Last year’s annual premium: This year’s annual premium £ 1,159.32 £ 1,159.32 . The premium includes all applicable insurance premium tax (IPT). Dear Ms Dr Allan Holt . Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on Friday 05 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 £8,770.92 £8,770.92 Legal protection £5,345.48 £5,345.48 Crisis containment £0.00 Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government increase in Insurance Premium Tax as shown. Is our information correct? Your premium and cover are based on what you’ve told us about Rice-Hughes , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover Policy summary for each cover ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before Friday 05 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 Friday 05 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 £8,770.92 £8,770.92 Legal protection £5,345.48 £5,345.48 Crisis containment £0.00 Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government increase in Insurance Premium Tax as shown. Is our information correct? Your premium and cover are based on what you’ve told us about Rice-Hughes , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover Policy summary for each cover ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before Friday 05 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) £8,770.92 £5,345.48 £0.00 . This year’s annual Premium (exc IPT) £8,770.92 £5,345.48 . Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) . Professional indemnity £8,770.92 £8,770.92 . Legal protection £5,345.48 £5,345.48 . Crisis containment £0.00 . Kind regards Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre . Kind regards . Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave . To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre . Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Page / 1 Hiscox Business Insurance Policy wording 17431a - DC565 WORDING 04/17Guide to sectionsIntroduction Policy wordings General terms and conditions Professional indemnity for business management consultants Legal protection Crisis containment Hiscox Business Insurance Policy wording 17431a - DC565 WORDING 04/17IntroductionThank you for choosing Hiscox to protect your business. We hope that the language and layout of this policy wording are clear because we want you to understand the insurance we provide as well as the responsibilities we have to each other. Please read this document, including the policy schedule, policy summary and statement of fact, and let us know as soon as possible if any of the details are shown incorrectly. We always try to deliver to the highest standards of service. Your views are important to us, so if you feel that our service is below the standard you would expect from Hiscox, please contact us on the phone number shown in your policy schedule. Please note that some of the words we use in this insurance are shown in bold type. These words are defined in each section of the wording. Page / 1 Hiscox Insurance Payment schedule Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Thank you for continuing to pay for your policy by Direct Debit. Please check these details and let us know if anything is incorrect or if the schedule is not suitable. Your reference details Account holder name: Dr Allan Holt Frequency of collection: Annual Sort code: %BANK_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 17 July, 2019 £1,159.32 Where your chosen collection date falls ona non-working day then we will endeavour to collect the next working day. For your information, the collections will be made using the following reference number: Originator Identification Number: 293461 Reference Number: J0GJZO/57ATUQMJMIU/HUF If you have any questions about your policy or payments, please call us on 0800 280 0351. We’re here between 8:30am - 5:30pm Monday to Friday or you can email us at service@hiscox.co.uk. Using your personal information Hiscox isa trading name ofa number of Hiscox companies. The specific company acting asa data controller of your personal information will be listed in the documentation we provide to you. If you are unsure you can also contact us at anytime by telephoning 01904 681198 or by emailing us at dataprotectionofficer@hiscox.com. We collect and process information about you in order to provide insurance policies and to process claims. Your information is also used for business purposes such as fraud prevention and detection and financial management. This may involve sharing your information with, and obtaining information about you from, our group companies and third parties such as brokers, loss adjusters, credit reference agencies, service providers, professional advisors, our regulators or fraud prevention agencies. We may record telephone calls to help us monitor and improve the service we provide. For further information on how your information is used and your rights in relation to your information please see our privacy policy at www.hiscox.co.uk/cookies-privacy. The Direct Debit Guarantee This Guarantee is offered by all banks and building societies that accept instructions to pay Direct Debits. If there are any changes to the amount, date or frequency of your Direct Debit Hiscox Underwriting Ltd will notify you ten working days in advance of your account being debited or as otherwise agreed. If you request Hiscox Underwriting Ltd to collect a payment, confirmation of the amount and date will be given to you at the time of the request. If an error is made in the payment of your Direct Debit by Hiscox Underwriting Ltd or your bank or building society you are entitled to a full and immediate refund of the amount paid from your bank or building society. – If you receive a refund you are not entitled to, you must pay it back when Hiscox Underwriting Ltd asks you to. You can cancel a Direct Debit at anytime by simply contacting your bank or building society. Written confirmation maybe required. Please also notify us. Page / 1 Hiscox Business Insurance Policy summary JAC-PSC-UK-DC556(5.4) 17431b 07/20 Your Hiscox Business Insurance policy summaries This document contains the summaries for any policy covers you have selected to protect your business. These summaries outline the key information about your policies so you can be confident that you have understood what you have bought and what you are covered for. However, you should carefully read your policy in full and ensure that you understand its terms and conditions in full. If you have any queries, you should contact Hiscox or your insurance advisor. Your side of the bargain Remember, your premium and insurance are based on the details you have provided to us. Please make sure this information accurately reflects your business and that you inform us immediately if anything needs to change. Please also tell us of any changes in circumstances that may affect the services provided by us or the cover provided by your policy. This is particularly important before taking out a policy, but it also applies throughout the life of the policy too. You need to consider: ■if you fail to fairly present the risk to us, including by failing to disclose any information material to the insurance, you could invalidate the policy, claims may not be paid or the amount we pay maybe reduced; ■you should read and check all insurance documents to ensure that you are aware of the cover, limits and other terms that apply; ■if you fail to let us know of any changes to your circumstances during the period of insurance or, if when telling us about such changes you fail to present the risk to us fairly, you could invalidate the policy, claims may not be paid or the amount we pay maybe reduced; ■please be aware of all terms and conditions of your policy because failure to comply with them could invalidate it or result in us not paying a claim or reducing the amount we pay; ■in the event ofa claim, you should take note of the required procedures, such as giving Hiscox prompt notice of the claims, as stated in the policy documentation. In particular, if you fail to notify us when you first become aware ofa shortcoming, fact, or problem, admit you are liable for what has happened or appoint solicitors or other legal representation without our prior written approval, claims or defence costs may not be paid or the amount we pay maybe reduced; ■as with any insurance, you have an obligation to take reasonable steps to mitigate any loss or liability; ■if you make a fraudulent claim or try to deceive us, we may terminate the policy. Policy length The period of insurance is shown on your policy schedule. Your policy schedule will also show if the policy is ona continuing cover basis. If itis ona continuing cover basis, we will renew your policy each year for another 12 months and continue to take payment (including any premium adjustment shown in your renewal invitation) using your existing arrangement, unless you tell us otherwise or if your risk changes. If your policy schedule does not show that the policy is ona continuing cover basis, cover will cease at the end of the period of insurance, unless you renew your policy with us. We will provide you witha statement of fact each year and provided that the information contained within the statement of fact is true, complete and accurate, you do not need to provide us with any further information. If any of the information in your statement of fact is not true, complete and accurate, you must let us know. If you do not let us know, it may affect the validity of the policy or our ability to pay a claim. Retroactive dates, geographical and jurisdiction limits Where any section of your policy schedule includes a retroactive date, we will not make any payment for any claim or loss under that section which arises from any activity performed or any act, incident or occurrence taking place, before the retroactive date. Where any section of your policy schedule shows the geographical limits which apply to that section of the policy, we will only pay for claims and losses under that section which arise from activities performed or acts, incidents or occurrences taking place within those geographical limits. Where any section provides cover in respect of your liability to third parties, we will only cover claims first made ina country within the applicable courts stated in that section of your policy schedule. Hiscox Business Insurance Policy summary JAC-PSC-UK-DC556(5.4) 17431b 07/20 Cancellation rights You can cancel this policy by giving us 30 days' notice. You will only be charged for the premiums due up to the date of cancellation. If we need to cancel the policy, we’ll give you 30 days’ notice in writing and refund any surplus premiums you might have paid. Please note – we may deduct an administration fee from any refunded payment.There is an exception to our 30-day notice period, which is triggered when we don’t receive your Direct Debit payments within the agreed 14-day period. At this point, we will contact you as soon as possible and stop the policyPage / 2 immediately. Underwritten by:Hiscox Underwriting Ltd on behalf of the insurers named in the schedule. Page / 1 Certificate of professional indemnity insurance Rice-Hughes Hiscox Underwriting Ltd of 1 Great St. Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Certificate of professional indemnity Insurance Policy number:J0GJZO/57ATUQMJMIU/HUF Name of policy holder:Rice-Hughes Period of insurance: From Friday 05 March, 2021 to 2025-01-07 both days inclusive. This policy isa Continuing cover policy Insurer: Hiscox Insurance Company Limited Retroactive date: 26/10/24 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: Friday 05 March, 2021 Insurance details Policy number: J0GJZO/57ATUQMJMIU/HUF Period of insurance: From Friday 05 March, 2021 to 2025-01-07 both days inclusive. This policy isa Continuing cover policy. Insured: Rice-Hughes Address: Flat 64 Stephanie parks Juliafort FARNHAM CO8X 4TZ Additional insureds: None Business: Management Consultants Premium details Charged premium – the total amount you’ll pay for this policy. Charged premium: £4,263.71 Insurance Premium Tax (IPT): £8,687.40 Total charged premium: £1,159.32 Annualised premium – the annual premium for this policy. This is given for comparison purposes. Please refer to the charged premium section for the amount you’ll pay for the policy. Annual premium: £4,263.71 Insurance Premium Tax (IPT): £8,687.40 Annual total: £1,159.32 Please note that there will be no refund or additional premium for any transaction which is less than £20 (excluding IPT). Hiscox Business Insurance Policy Schedule 14502 10/18 Summary Claims information If you need to make a claim: - For claims relating to your building or contents please contact our claims team on 0800 247 1902, 9.00am – 5:30pm Monday to Friday. If you wish to make a claim online, you can log most claims quickly and easily through our claims notification portal at https://claims.hiscox.co.uk/. Outside of normal business hours, if you require emergency assistance in relation to substantial damage to your property, you can speak to our 24-hour emergency assistance team using the telephone number above. Your policy schedule will state if property cover is included in your policy. Our out-of-hours emergency assistance team operate ona pay-and-claim basis and you will need to have credit card details available as appropriate. The team will then be able to direct you to essential tradesmen, emergency loss adjusters or disaster management companies in the event of substantial damage. - If there isa claim (or potential claim) against you bya third party, please email us at liability.claims@hiscox.com. If you need to speak to a member of the claims team urgently, please call our team on 0800 711 7156, 9.00am – 5:30pm Monday to Friday. If you wish to make a claim online, you can log most claims quickly and easily through our claims notification portal at https://claims.hiscox.co.uk/. You will need to provide your full name and contact details, the name of your business or organisation, your address and postcode, the policy reference and circumstances of the claim. The Important information and contact details section below contains additional information specific to the covers applicable to your policy. If you are unsure of who to contact please call our team on 0800 711 7156, 9.00am – 5:30pm Monday to Friday. They will ensure you get through to the correct claims team and let you know what actions you need to take. If anything happens that might be covered under the policy, you must comply with the obligations set out in General claims conditions, together with the obligations set out under Your obligations in the section or sections under which you are making the claim. Itis important that you read the policy for details of its terms in full. Your covers This isa summary of each section of your policy. See each section for cover details. Cover Insurance amount Excess Annual Premium (exc IPT) Professional indemnity £1,000,000 £1,000 £8,770.92 Legal protection £100,000 £0 £5,345.48 Crisis containment £25,000 - £0.00 The figures above are in summary only and are not in addition to the amount insured specified against each cover section below. Hiscox Business Insurance Policy Schedule 14502 10/18 SECTION: PROFESSIONAL INDEMNITY – MANAGEMENT CONSULTANTS Cover start date: Friday 05 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 26/10/24 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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J0GJZO/57ATUQMJMIU/HUF
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(?<=Policy number - )[-\w_\/\.]+?(?= Company name)
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Friday 05 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 - FGULO/V3-PUZMGVL-GP Company name: Banks-Ford It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : FGULO/V3-PUZMGVL-GP. Company name: Banks-Ford. Your Hiscox Insurance premium. Last year’s annual premium: This year’s annual premium. £ 4,354.29. £ 4,354.29. The premium includes all applicable insurance premium tax (IPT). Dear Ms Mrs Jade Campbell. Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 11/02/2023 . Good news; if you want cover to continue with us and to make sure you stay protected by our award-winning cover, you do not need to do anything. We will update your policy onto our latest wording and continue to collect payment using the payment details we have for you. You must read the important information contained in this email and the attached documents. Your Hiscox Insurance Premium breakdown. The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). The amount shown as last year’s Annual premium will take into account any changes to the cover which may have been made during the last policy period. Cover. Last year’s annual premium (exc IPT). This year’s annual Premium (exc IPT). Professional indemnity. £5,255.30. £5,255.30. Legal protection. £898.96. £898.96. 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 Banks-Ford , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay. . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover. Policy summary for each cover. ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover . As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before 11/02/2023 . 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 : FGULO/V3-PUZMGVL-GP Company name: Banks-Ford . It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : FGULO/V3-PUZMGVL-GP Company name: Banks-Ford . Your Hiscox Insurance premium Last year’s annual premium: This year’s annual premium The premium includes all applicable insurance premium tax (IPT). £ 4,354.29 £ 4,354.29 . Your Hiscox Insurance premium . Last year’s annual premium: This year’s annual premium £ 4,354.29 £ 4,354.29 . The premium includes all applicable insurance premium tax (IPT). Dear Ms Mrs Jade Campbell . Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 11/02/2023 . Good news; if you want cover to continue with us and to make sure you stay protected by our award-winning cover, you do not need to do anything. We will update your policy onto our latest wording and continue to collect payment using the payment details we have for you. You must read the important information contained in this email and the attached documents Your Hiscox Insurance Premium breakdown The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). The amount shown as last year’s Annual premium will take into account any changes to the cover which may have been made during the last policy period. Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) Professional indemnity £5,255.30 £5,255.30 Legal protection £898.96 £898.96 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 Banks-Ford , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover Policy summary for each cover ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before 11/02/2023 . 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 11/02/2023 . Good news; if you want cover to continue with us and to make sure you stay protected by our award-winning cover, you do not need to do anything. We will update your policy onto our latest wording and continue to collect payment using the payment details we have for you. You must read the important information contained in this email and the attached documents Your Hiscox Insurance Premium breakdown The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). The amount shown as last year’s Annual premium will take into account any changes to the cover which may have been made during the last policy period. Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) Professional indemnity £5,255.30 £5,255.30 Legal protection £898.96 £898.96 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 Banks-Ford , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover Policy summary for each cover ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before 11/02/2023 . 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) £5,255.30 £898.96 £0.00 . This year’s annual Premium (exc IPT) £5,255.30 £898.96 . Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) . Professional indemnity £5,255.30 £5,255.30 . Legal protection £898.96 £898.96 . 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: Mrs Jade Campbell Frequency of collection: Annual Sort code: %BANK_SORT_CODE_1% Account number: %BANK_ACCOUNT_NUMBER_1% Your Direct Debit schedule We will take payments on the dates outlined below: Date Amount 2021-04-17 £4,354.29 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: FGULO/V3-PUZMGVL-GP If you have any questions about your policy or payments, please call us on 0800 280 0351. We’re here between 8:30am - 5:30pm Monday to Friday or you can email us at service@hiscox.co.uk. Using your personal information Hiscox isa trading name ofa number of Hiscox companies. The specific company acting asa data controller of your personal information will be listed in the documentation we provide to you. If you are unsure you can also contact us at anytime by telephoning 01904 681198 or by emailing us at dataprotectionofficer@hiscox.com. We collect and process information about you in order to provide insurance policies and to process claims. Your information is also used for business purposes such as fraud prevention and detection and financial management. This may involve sharing your information with, and obtaining information about you from, our group companies and third parties such as brokers, loss adjusters, credit reference agencies, service providers, professional advisors, our regulators or fraud prevention agencies. We may record telephone calls to help us monitor and improve the service we provide. For further information on how your information is used and your rights in relation to your information please see our privacy policy at www.hiscox.co.uk/cookies-privacy. The Direct Debit Guarantee This Guarantee is offered by all banks and building societies that accept instructions to pay Direct Debits. If there are any changes to the amount, date or frequency of your Direct Debit Hiscox Underwriting Ltd will notify you ten working days in advance of your account being debited or as otherwise agreed. If you request Hiscox Underwriting Ltd to collect a payment, confirmation of the amount and date will be given to you at the time of the request. If an error is made in the payment of your Direct Debit by Hiscox Underwriting Ltd or your bank or building society you are entitled to a full and immediate refund of the amount paid from your bank or building society. – If you receive a refund you are not entitled to, you must pay it back when Hiscox Underwriting Ltd asks you to. You can cancel a Direct Debit at anytime by simply contacting your bank or building society. Written confirmation maybe required. Please also notify us. Page / 1 Hiscox Business Insurance Policy summary JAC-PSC-UK-DC556(5.4) 17431b 07/20 Your Hiscox Business Insurance policy summaries This document contains the summaries for any policy covers you have selected to protect your business. These summaries outline the key information about your policies so you can be confident that you have understood what you have bought and what you are covered for. However, you should carefully read your policy in full and ensure that you understand its terms and conditions in full. If you have any queries, you should contact Hiscox or your insurance advisor. Your side of the bargain Remember, your premium and insurance are based on the details you have provided to us. Please make sure this information accurately reflects your business and that you inform us immediately if anything needs to change. Please also tell us of any changes in circumstances that may affect the services provided by us or the cover provided by your policy. This is particularly important before taking out a policy, but it also applies throughout the life of the policy too. You need to consider: ■if you fail to fairly present the risk to us, including by failing to disclose any information material to the insurance, you could invalidate the policy, claims may not be paid or the amount we pay maybe reduced; ■you should read and check all insurance documents to ensure that you are aware of the cover, limits and other terms that apply; ■if you fail to let us know of any changes to your circumstances during the period of insurance or, if when telling us about such changes you fail to present the risk to us fairly, you could invalidate the policy, claims may not be paid or the amount we pay maybe reduced; ■please be aware of all terms and conditions of your policy because failure to comply with them could invalidate it or result in us not paying a claim or reducing the amount we pay; ■in the event ofa claim, you should take note of the required procedures, such as giving Hiscox prompt notice of the claims, as stated in the policy documentation. In particular, if you fail to notify us when you first become aware ofa shortcoming, fact, or problem, admit you are liable for what has happened or appoint solicitors or other legal representation without our prior written approval, claims or defence costs may not be paid or the amount we pay maybe reduced; ■as with any insurance, you have an obligation to take reasonable steps to mitigate any loss or liability; ■if you make a fraudulent claim or try to deceive us, we may terminate the policy. Policy length The period of insurance is shown on your policy schedule. Your policy schedule will also show if the policy is ona continuing cover basis. If itis ona continuing cover basis, we will renew your policy each year for another 12 months and continue to take payment (including any premium adjustment shown in your renewal invitation) using your existing arrangement, unless you tell us otherwise or if your risk changes. If your policy schedule does not show that the policy is ona continuing cover basis, cover will cease at the end of the period of insurance, unless you renew your policy with us. We will provide you witha statement of fact each year and provided that the information contained within the statement of fact is true, complete and accurate, you do not need to provide us with any further information. If any of the information in your statement of fact is not true, complete and accurate, you must let us know. If you do not let us know, it may affect the validity of the policy or our ability to pay a claim. Retroactive dates, geographical and jurisdiction limits Where any section of your policy schedule includes a retroactive date, we will not make any payment for any claim or loss under that section which arises from any activity performed or any act, incident or occurrence taking place, before the retroactive date. Where any section of your policy schedule shows the geographical limits which apply to that section of the policy, we will only pay for claims and losses under that section which arise from activities performed or acts, incidents or occurrences taking place within those geographical limits. Where any section provides cover in respect of your liability to third parties, we will only cover claims first made ina country within the applicable courts stated in that section of your policy schedule. Hiscox Business Insurance Policy summary JAC-PSC-UK-DC556(5.4) 17431b 07/20 Cancellation rights You can cancel this policy by giving us 30 days' notice. You will only be charged for the premiums due up to the date of cancellation. If we need to cancel the policy, we’ll give you 30 days’ notice in writing and refund any surplus premiums you might have paid. Please note – we may deduct an administration fee from any refunded payment.There is an exception to our 30-day notice period, which is triggered when we don’t receive your Direct Debit payments within the agreed 14-day period. At this point, we will contact you as soon as possible and stop the policyPage / 2 immediately. Underwritten by:Hiscox Underwriting Ltd on behalf of the insurers named in the schedule. Page / 1 Certificate of professional indemnity insurance Banks-Ford Hiscox Underwriting Ltd of 1 Great St. Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Certificate of professional indemnity Insurance Policy number:FGULO/V3-PUZMGVL-GP Name of policy holder:Banks-Ford Period of insurance: From 11/02/2023 to 05 December, 2023 both days inclusive. This policy isa Continuing cover policy Insurer: Hiscox Insurance Company Limited Retroactive date: 05/07/22 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: 11/02/2023 Insurance details Policy number: FGULO/V3-PUZMGVL-GP Period of insurance: From 11/02/2023 to 05 December, 2023 both days inclusive. This policy isa Continuing cover policy. Insured: Banks-Ford Address: 0 Cheryl neck Whitebury FARNHAM N9 7JZ Additional insureds: None Business: Management Consultants Premium details Charged premium – the total amount you’ll pay for this policy. Charged premium: £2,941.43 Insurance Premium Tax (IPT): £5,159.65 Total charged premium: £4,354.29 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: £2,941.43 Insurance Premium Tax (IPT): £5,159.65 Annual total: £4,354.29 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 £5,255.30 Legal protection £100,000 £0 £898.96 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: 11/02/2023 Limit of indemnity £1,000,000 Limit applies to in the aggregate, including all costs Excess £1,000 Excess applies to each and every claim or loss, including all costs Geographical limits Worldwide Applicable courts Worldwide (excluding United States of America and Canada) Claims brought in USA or Canada Not covered Additional covers (in addition to overall limit of indemnity stated above) Cover Limit of indemnity Limit applies to Court attendance compensation - employees £250 per person, per day Court attendance compensation - directors and partners£500 per person, per day Court attendance compensation: in total £100,000 in the aggregate Special limits (included within not in addition to the overall limit of indemnity stated above) Cover Limit of indemnity Limit applies to Personal data claims £250,000 in the aggregate, including all costs Business activities Business managementPage / 2 consultant Retroactive date 05/07/22 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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FGULO/V3-PUZMGVL-GP
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(?<=Policy number - )[-\w_\/\.]+?(?= Company name)
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11/02/2023
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(?<=anniversary of your policy is approaching on )[-\w_\/\. ,]+?(?= \.)
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Business
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(?<=time to renew your Hiscox )[-\w_\/\. ]+?(?= Insurance)
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2024-02-05
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hiscox-business-2
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Hiscox Business Insurance - Policy number - s-zhwrrlzpkirlkr..h Company name: Crawford PLC It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : s-zhwrrlzpkirlkr..h. Company name: Crawford PLC. Your Hiscox Insurance premium. Last year’s annual premium: This year’s annual premium. £ 5,801.06. £ 5,801.06. The premium includes all applicable insurance premium tax (IPT). Dear Mr Nicole Smith. Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 2022-02-21 . 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. £2,954.03. £2,954.03. Legal protection. £3,635.54. £3,635.54. 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 Crawford 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 2022-02-21 . 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 : s-zhwrrlzpkirlkr..h Company name: Crawford PLC . It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : s-zhwrrlzpkirlkr..h Company name: Crawford PLC . Your Hiscox Insurance premium Last year’s annual premium: This year’s annual premium The premium includes all applicable insurance premium tax (IPT). £ 5,801.06 £ 5,801.06 . Your Hiscox Insurance premium . Last year’s annual premium: This year’s annual premium £ 5,801.06 £ 5,801.06 . The premium includes all applicable insurance premium tax (IPT). Dear Mr Nicole Smith . Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 2022-02-21 . 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 £2,954.03 £2,954.03 Legal protection £3,635.54 £3,635.54 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 Crawford 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 2022-02-21 . 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 2022-02-21 . 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 £2,954.03 £2,954.03 Legal protection £3,635.54 £3,635.54 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 Crawford 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 2022-02-21 . 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) £2,954.03 £3,635.54 £0.00 . This year’s annual Premium (exc IPT) £2,954.03 £3,635.54 . Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) . Professional indemnity £2,954.03 £2,954.03 . Legal protection £3,635.54 £3,635.54 . 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: Nicole Smith Frequency of collection: Annual Sort code: %BANK_SORT_CODE_1% Account number: %BANK_ACCOUNT_NUMBER_1% Your Direct Debit schedule We will take payments on the dates outlined below: Date Amount 2023-04-19 £5,801.06 Where your chosen collection date falls ona non-working day then we will endeavour to collect the next working day. For your information, the collections will be made using the following reference number: Originator Identification Number: 293461 Reference Number: s-zhwrrlzpkirlkr..h If you have any questions about your policy or payments, please call us on 0800 280 0351. We’re here between 8:30am - 5:30pm Monday to Friday or you can email us at service@hiscox.co.uk. Using your personal information Hiscox isa trading name ofa number of Hiscox companies. The specific company acting asa data controller of your personal information will be listed in the documentation we provide to you. If you are unsure you can also contact us at anytime by telephoning 01904 681198 or by emailing us at dataprotectionofficer@hiscox.com. We collect and process information about you in order to provide insurance policies and to process claims. Your information is also used for business purposes such as fraud prevention and detection and financial management. This may involve sharing your information with, and obtaining information about you from, our group companies and third parties such as brokers, loss adjusters, credit reference agencies, service providers, professional advisors, our regulators or fraud prevention agencies. We may record telephone calls to help us monitor and improve the service we provide. For further information on how your information is used and your rights in relation to your information please see our privacy policy at www.hiscox.co.uk/cookies-privacy. The Direct Debit Guarantee This Guarantee is offered by all banks and building societies that accept instructions to pay Direct Debits. If there are any changes to the amount, date or frequency of your Direct Debit Hiscox Underwriting Ltd will notify you ten working days in advance of your account being debited or as otherwise agreed. If you request Hiscox Underwriting Ltd to collect a payment, confirmation of the amount and date will be given to you at the time of the request. If an error is made in the payment of your Direct Debit by Hiscox Underwriting Ltd or your bank or building society you are entitled to a full and immediate refund of the amount paid from your bank or building society. – If you receive a refund you are not entitled to, you must pay it back when Hiscox Underwriting Ltd asks you to. You can cancel a Direct Debit at anytime by simply contacting your bank or building society. Written confirmation maybe required. Please also notify us. Page / 1 Hiscox Business Insurance Policy summary JAC-PSC-UK-DC556(5.4) 17431b 07/20 Your Hiscox Business Insurance policy summaries This document contains the summaries for any policy covers you have selected to protect your business. These summaries outline the key information about your policies so you can be confident that you have understood what you have bought and what you are covered for. However, you should carefully read your policy in full and ensure that you understand its terms and conditions in full. If you have any queries, you should contact Hiscox or your insurance advisor. Your side of the bargain Remember, your premium and insurance are based on the details you have provided to us. Please make sure this information accurately reflects your business and that you inform us immediately if anything needs to change. Please also tell us of any changes in circumstances that may affect the services provided by us or the cover provided by your policy. This is particularly important before taking out a policy, but it also applies throughout the life of the policy too. You need to consider: ■if you fail to fairly present the risk to us, including by failing to disclose any information material to the insurance, you could invalidate the policy, claims may not be paid or the amount we pay maybe reduced; ■you should read and check all insurance documents to ensure that you are aware of the cover, limits and other terms that apply; ■if you fail to let us know of any changes to your circumstances during the period of insurance or, if when telling us about such changes you fail to present the risk to us fairly, you could invalidate the policy, claims may not be paid or the amount we pay maybe reduced; ■please be aware of all terms and conditions of your policy because failure to comply with them could invalidate it or result in us not paying a claim or reducing the amount we pay; ■in the event ofa claim, you should take note of the required procedures, such as giving Hiscox prompt notice of the claims, as stated in the policy documentation. In particular, if you fail to notify us when you first become aware ofa shortcoming, fact, or problem, admit you are liable for what has happened or appoint solicitors or other legal representation without our prior written approval, claims or defence costs may not be paid or the amount we pay maybe reduced; ■as with any insurance, you have an obligation to take reasonable steps to mitigate any loss or liability; ■if you make a fraudulent claim or try to deceive us, we may terminate the policy. Policy length The period of insurance is shown on your policy schedule. Your policy schedule will also show if the policy is ona continuing cover basis. If itis ona continuing cover basis, we will renew your policy each year for another 12 months and continue to take payment (including any premium adjustment shown in your renewal invitation) using your existing arrangement, unless you tell us otherwise or if your risk changes. If your policy schedule does not show that the policy is ona continuing cover basis, cover will cease at the end of the period of insurance, unless you renew your policy with us. We will provide you witha statement of fact each year and provided that the information contained within the statement of fact is true, complete and accurate, you do not need to provide us with any further information. If any of the information in your statement of fact is not true, complete and accurate, you must let us know. If you do not let us know, it may affect the validity of the policy or our ability to pay a claim. Retroactive dates, geographical and jurisdiction limits Where any section of your policy schedule includes a retroactive date, we will not make any payment for any claim or loss under that section which arises from any activity performed or any act, incident or occurrence taking place, before the retroactive date. Where any section of your policy schedule shows the geographical limits which apply to that section of the policy, we will only pay for claims and losses under that section which arise from activities performed or acts, incidents or occurrences taking place within those geographical limits. Where any section provides cover in respect of your liability to third parties, we will only cover claims first made ina country within the applicable courts stated in that section of your policy schedule. Hiscox Business Insurance Policy summary JAC-PSC-UK-DC556(5.4) 17431b 07/20 Cancellation rights You can cancel this policy by giving us 30 days' notice. You will only be charged for the premiums due up to the date of cancellation. If we need to cancel the policy, we’ll give you 30 days’ notice in writing and refund any surplus premiums you might have paid. Please note – we may deduct an administration fee from any refunded payment.There is an exception to our 30-day notice period, which is triggered when we don’t receive your Direct Debit payments within the agreed 14-day period. At this point, we will contact you as soon as possible and stop the policyPage / 2 immediately. Underwritten by:Hiscox Underwriting Ltd on behalf of the insurers named in the schedule. Page / 1 Certificate of professional indemnity insurance Crawford PLC Hiscox Underwriting Ltd of 1 Great St. Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Certificate of professional indemnity Insurance Policy number:s-zhwrrlzpkirlkr..h Name of policy holder:Crawford PLC Period of insurance: From 2022-02-21 to Sunday 31 December, 2023 both days inclusive. This policy isa Continuing cover policy Insurer: Hiscox Insurance Company Limited Retroactive date: 2021-03-08 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: 2022-02-21 Insurance details Policy number: s-zhwrrlzpkirlkr..h Period of insurance: From 2022-02-21 to Sunday 31 December, 2023 both days inclusive. This policy isa Continuing cover policy. Insured: Crawford PLC Address: 0 Edwards crest Meganchester FARNHAM G2A 4DF Additional insureds: None Business: Management Consultants Premium details Charged premium – the total amount you’ll pay for this policy. Charged premium: £1,906.15 Insurance Premium Tax (IPT): £8,555.03 Total charged premium: £5,801.06 Annualised premium – the annual premium for this policy. This is given for comparison purposes. Please refer to the charged premium section for the amount you’ll pay for the policy. Annual premium: £1,906.15 Insurance Premium Tax (IPT): £8,555.03 Annual total: £5,801.06 Please note that there will be no refund or additional premium for any transaction which is less than £20 (excluding IPT). Hiscox Business Insurance Policy Schedule 14502 10/18 Summary Claims information If you need to make a claim: - For claims relating to your building or contents please contact our claims team on 0800 247 1902, 9.00am – 5:30pm Monday to Friday. If you wish to make a claim online, you can log most claims quickly and easily through our claims notification portal at https://claims.hiscox.co.uk/. Outside of normal business hours, if you require emergency assistance in relation to substantial damage to your property, you can speak to our 24-hour emergency assistance team using the telephone number above. Your policy schedule will state if property cover is included in your policy. Our out-of-hours emergency assistance team operate ona pay-and-claim basis and you will need to have credit card details available as appropriate. The team will then be able to direct you to essential tradesmen, emergency loss adjusters or disaster management companies in the event of substantial damage. - If there isa claim (or potential claim) against you bya third party, please email us at liability.claims@hiscox.com. If you need to speak to a member of the claims team urgently, please call our team on 0800 711 7156, 9.00am – 5:30pm Monday to Friday. If you wish to make a claim online, you can log most claims quickly and easily through our claims notification portal at https://claims.hiscox.co.uk/. You will need to provide your full name and contact details, the name of your business or organisation, your address and postcode, the policy reference and circumstances of the claim. The Important information and contact details section below contains additional information specific to the covers applicable to your policy. If you are unsure of who to contact please call our team on 0800 711 7156, 9.00am – 5:30pm Monday to Friday. They will ensure you get through to the correct claims team and let you know what actions you need to take. If anything happens that might be covered under the policy, you must comply with the obligations set out in General claims conditions, together with the obligations set out under Your obligations in the section or sections under which you are making the claim. Itis important that you read the policy for details of its terms in full. Your covers This isa summary of each section of your policy. See each section for cover details. Cover Insurance amount Excess Annual Premium (exc IPT) Professional indemnity £1,000,000 £1,000 £2,954.03 Legal protection £100,000 £0 £3,635.54 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: 2022-02-21 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 2021-03-08 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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2024-02-05
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Hiscox Business Insurance - Policy number - lgsreizlph-yk Company name: Ward, Hussain and Martin It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : lgsreizlph-yk. Company name: Ward, Hussain and Martin. Your Hiscox Insurance premium. Last year’s annual premium: This year’s annual premium. £ 8,147.32. £ 8,147.32. The premium includes all applicable insurance premium tax (IPT). Dear Dr Mr Jack Smith. Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on Mon 23 May, 2022 . Good news; if you want cover to continue with us and to make sure you stay protected by our award-winning cover, you do not need to do anything. We will update your policy onto our latest wording and continue to collect payment using the payment details we have for you. You must read the important information contained in this email and the attached documents. Your Hiscox Insurance Premium breakdown. The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). The amount shown as last year’s Annual premium will take into account any changes to the cover which may have been made during the last policy period. Cover. Last year’s annual premium (exc IPT). This year’s annual Premium (exc IPT). Professional indemnity. £7,519.37. £7,519.37. Legal protection. £822.07. £822.07. Crisis containment. £0.00. Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy . Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government increase in Insurance Premium Tax as shown. Is our information correct? Your premium and cover are based on what you’ve told us about Ward, Hussain and Martin , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay. . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover. Policy summary for each cover. ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover . As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before Mon 23 May, 2022 . We’re here between 8:30am - 5:30pm Monday to Friday . Please note that we can only discuss policy changes with people named on the policy. Why renew with Hiscox. - Reassuring: we offer a range of cover options that can be tailored to your needs. - Flexible: we offer full flexibility to change your policy, with no administration fees . - Award-winning cover : we’ve been named Best Small Business Insurer 7 years running by Start Your Business Magazine . Please click this link for the Hiscox Referral Portal: https://refer.aklamio.com/hiscox/uk?source=postpurchase. Thank you again for choosing Hiscox to insure your business. We hope you and your business have a very successful year. Kind regards. Jon Dye. CEO, Hiscox UK. Business Insurance for the small and the brave. To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre. Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. This email and any files transmitted with it are confidential and intended solely for the use of the individual or entity to whom they are addressed. No one else is authorised to distribute, forward, print, copy or act upon any information contained in this email. If you have received this email in error, please notify the sender. Hiscox Syndicates Limited and Hiscox Insurance Company Limited are authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Hiscox Underwriting Limited, Hiscox Underwriting Services Ltd, Hiscox MGA Ltd and Hiscox ASM Ltd are authorised and regulated by the Financial Conduct Authority. Hiscox Assure SAS is duly registered as an insurance broker with the ORIAS, which is the French Official Registry of Insurance Intermediaries. Hiscox plc is a company registered in England and Wales under company registration number 2837811 and registered office at 1 Great St Helen's, London EC3A 6HX. Hiscox SA is a company registered in Luxembourg at 35 Avenue John F. Kennedy 35F, Luxembourg L-1855, and is authorised by the Commissariat aux Assurances de Luxembourg. It’s time to renew your Hiscox Business Insurance Hiscox Insurance policy number : lgsreizlph-yk Company name: Ward, Hussain and Martin . It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : lgsreizlph-yk Company name: Ward, Hussain and Martin . Your Hiscox Insurance premium Last year’s annual premium: This year’s annual premium The premium includes all applicable insurance premium tax (IPT). £ 8,147.32 £ 8,147.32 . Your Hiscox Insurance premium . Last year’s annual premium: This year’s annual premium £ 8,147.32 £ 8,147.32 . The premium includes all applicable insurance premium tax (IPT). Dear Dr Mr Jack Smith . Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on Mon 23 May, 2022 . Good news; if you want cover to continue with us and to make sure you stay protected by our award-winning cover, you do not need to do anything. We will update your policy onto our latest wording and continue to collect payment using the payment details we have for you. You must read the important information contained in this email and the attached documents Your Hiscox Insurance Premium breakdown The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). The amount shown as last year’s Annual premium will take into account any changes to the cover which may have been made during the last policy period. Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) Professional indemnity £7,519.37 £7,519.37 Legal protection £822.07 £822.07 Crisis containment £0.00 Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government increase in Insurance Premium Tax as shown. Is our information correct? Your premium and cover are based on what you’ve told us about Ward, Hussain and Martin , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover Policy summary for each cover ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before Mon 23 May, 2022 . We’re here between 8:30am - 5:30pm Monday to Friday . Please note that we can only discuss policy changes with people named on the policy. Why renew with Hiscox - Reassuring: we offer a range of cover options that can be tailored to your needs - Flexible: we offer full flexibility to change your policy, with no administration fees - Award-winning cover : we’ve been named Best Small Business Insurer 7 years running by Start Your Business Magazine Please click this link for the Hiscox Referral Portal: https://refer.aklamio.com/hiscox/uk?source=postpurchase Thank you again for choosing Hiscox to insure your business. We hope you and your business have a very successful year. Kind regards Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on Mon 23 May, 2022 . Good news; if you want cover to continue with us and to make sure you stay protected by our award-winning cover, you do not need to do anything. We will update your policy onto our latest wording and continue to collect payment using the payment details we have for you. You must read the important information contained in this email and the attached documents Your Hiscox Insurance Premium breakdown The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). The amount shown as last year’s Annual premium will take into account any changes to the cover which may have been made during the last policy period. Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) Professional indemnity £7,519.37 £7,519.37 Legal protection £822.07 £822.07 Crisis containment £0.00 Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government increase in Insurance Premium Tax as shown. Is our information correct? Your premium and cover are based on what you’ve told us about Ward, Hussain and Martin , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover Policy summary for each cover ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before Mon 23 May, 2022 . We’re here between 8:30am - 5:30pm Monday to Friday . Please note that we can only discuss policy changes with people named on the policy. Why renew with Hiscox - Reassuring: we offer a range of cover options that can be tailored to your needs - Flexible: we offer full flexibility to change your policy, with no administration fees - Award-winning cover : we’ve been named Best Small Business Insurer 7 years running by Start Your Business Magazine Please click this link for the Hiscox Referral Portal: https://refer.aklamio.com/hiscox/uk?source=postpurchase Thank you again for choosing Hiscox to insure your business. We hope you and your business have a very successful year. Kind regards Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Your Hiscox Insurance Premium breakdown The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). Cover Professional indemnity Legal protection Crisis containment . Last year’s annual premium (exc IPT) £7,519.37 £822.07 £0.00 . This year’s annual Premium (exc IPT) £7,519.37 £822.07 . Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) . Professional indemnity £7,519.37 £7,519.37 . Legal protection £822.07 £822.07 . Crisis containment £0.00 . Kind regards Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre . Kind regards . Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave . To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre . Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Page / 1 Hiscox Business Insurance Policy wording 17431a - DC565 WORDING 04/17Guide to sectionsIntroduction Policy wordings General terms and conditions Professional indemnity for business management consultants Legal protection Crisis containment Hiscox Business Insurance Policy wording 17431a - DC565 WORDING 04/17IntroductionThank you for choosing Hiscox to protect your business. We hope that the language and layout of this policy wording are clear because we want you to understand the insurance we provide as well as the responsibilities we have to each other. Please read this document, including the policy schedule, policy summary and statement of fact, and let us know as soon as possible if any of the details are shown incorrectly. We always try to deliver to the highest standards of service. Your views are important to us, so if you feel that our service is below the standard you would expect from Hiscox, please contact us on the phone number shown in your policy schedule. Please note that some of the words we use in this insurance are shown in bold type. These words are defined in each section of the wording. Page / 1 Hiscox Insurance Payment schedule Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Thank you for continuing to pay for your policy by Direct Debit. Please check these details and let us know if anything is incorrect or if the schedule is not suitable. Your reference details Account holder name: Mr Jack 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 Friday 23 July, 2021 £8,147.32 Where your chosen collection date falls ona non-working day then we will endeavour to collect the next working day. For your information, the collections will be made using the following reference number: Originator Identification Number: 293461 Reference Number: lgsreizlph-yk If you have any questions about your policy or payments, please call us on 0800 280 0351. We’re here between 8:30am - 5:30pm Monday to Friday or you can email us at service@hiscox.co.uk. Using your personal information Hiscox isa trading name ofa number of Hiscox companies. The specific company acting asa data controller of your personal information will be listed in the documentation we provide to you. If you are unsure you can also contact us at anytime by telephoning 01904 681198 or by emailing us at dataprotectionofficer@hiscox.com. We collect and process information about you in order to provide insurance policies and to process claims. Your information is also used for business purposes such as fraud prevention and detection and financial management. This may involve sharing your information with, and obtaining information about you from, our group companies and third parties such as brokers, loss adjusters, credit reference agencies, service providers, professional advisors, our regulators or fraud prevention agencies. We may record telephone calls to help us monitor and improve the service we provide. For further information on how your information is used and your rights in relation to your information please see our privacy policy at www.hiscox.co.uk/cookies-privacy. The Direct Debit Guarantee This Guarantee is offered by all banks and building societies that accept instructions to pay Direct Debits. If there are any changes to the amount, date or frequency of your Direct Debit Hiscox Underwriting Ltd will notify you ten working days in advance of your account being debited or as otherwise agreed. If you request Hiscox Underwriting Ltd to collect a payment, confirmation of the amount and date will be given to you at the time of the request. If an error is made in the payment of your Direct Debit by Hiscox Underwriting Ltd or your bank or building society you are entitled to a full and immediate refund of the amount paid from your bank or building society. – If you receive a refund you are not entitled to, you must pay it back when Hiscox Underwriting Ltd asks you to. You can cancel a Direct Debit at anytime by simply contacting your bank or building society. Written confirmation maybe required. Please also notify us. Page / 1 Hiscox Business Insurance Policy summary JAC-PSC-UK-DC556(5.4) 17431b 07/20 Your Hiscox Business Insurance policy summaries This document contains the summaries for any policy covers you have selected to protect your business. These summaries outline the key information about your policies so you can be confident that you have understood what you have bought and what you are covered for. However, you should carefully read your policy in full and ensure that you understand its terms and conditions in full. If you have any queries, you should contact Hiscox or your insurance advisor. Your side of the bargain Remember, your premium and insurance are based on the details you have provided to us. Please make sure this information accurately reflects your business and that you inform us immediately if anything needs to change. Please also tell us of any changes in circumstances that may affect the services provided by us or the cover provided by your policy. This is particularly important before taking out a policy, but it also applies throughout the life of the policy too. You need to consider: ■if you fail to fairly present the risk to us, including by failing to disclose any information material to the insurance, you could invalidate the policy, claims may not be paid or the amount we pay maybe reduced; ■you should read and check all insurance documents to ensure that you are aware of the cover, limits and other terms that apply; ■if you fail to let us know of any changes to your circumstances during the period of insurance or, if when telling us about such changes you fail to present the risk to us fairly, you could invalidate the policy, claims may not be paid or the amount we pay maybe reduced; ■please be aware of all terms and conditions of your policy because failure to comply with them could invalidate it or result in us not paying a claim or reducing the amount we pay; ■in the event ofa claim, you should take note of the required procedures, such as giving Hiscox prompt notice of the claims, as stated in the policy documentation. In particular, if you fail to notify us when you first become aware ofa shortcoming, fact, or problem, admit you are liable for what has happened or appoint solicitors or other legal representation without our prior written approval, claims or defence costs may not be paid or the amount we pay maybe reduced; ■as with any insurance, you have an obligation to take reasonable steps to mitigate any loss or liability; ■if you make a fraudulent claim or try to deceive us, we may terminate the policy. Policy length The period of insurance is shown on your policy schedule. Your policy schedule will also show if the policy is ona continuing cover basis. If itis ona continuing cover basis, we will renew your policy each year for another 12 months and continue to take payment (including any premium adjustment shown in your renewal invitation) using your existing arrangement, unless you tell us otherwise or if your risk changes. If your policy schedule does not show that the policy is ona continuing cover basis, cover will cease at the end of the period of insurance, unless you renew your policy with us. We will provide you witha statement of fact each year and provided that the information contained within the statement of fact is true, complete and accurate, you do not need to provide us with any further information. If any of the information in your statement of fact is not true, complete and accurate, you must let us know. If you do not let us know, it may affect the validity of the policy or our ability to pay a claim. Retroactive dates, geographical and jurisdiction limits Where any section of your policy schedule includes a retroactive date, we will not make any payment for any claim or loss under that section which arises from any activity performed or any act, incident or occurrence taking place, before the retroactive date. Where any section of your policy schedule shows the geographical limits which apply to that section of the policy, we will only pay for claims and losses under that section which arise from activities performed or acts, incidents or occurrences taking place within those geographical limits. Where any section provides cover in respect of your liability to third parties, we will only cover claims first made ina country within the applicable courts stated in that section of your policy schedule. Hiscox Business Insurance Policy summary JAC-PSC-UK-DC556(5.4) 17431b 07/20 Cancellation rights You can cancel this policy by giving us 30 days' notice. You will only be charged for the premiums due up to the date of cancellation. If we need to cancel the policy, we’ll give you 30 days’ notice in writing and refund any surplus premiums you might have paid. Please note – we may deduct an administration fee from any refunded payment.There is an exception to our 30-day notice period, which is triggered when we don’t receive your Direct Debit payments within the agreed 14-day period. At this point, we will contact you as soon as possible and stop the policyPage / 2 immediately. Underwritten by:Hiscox Underwriting Ltd on behalf of the insurers named in the schedule. Page / 1 Certificate of professional indemnity insurance Ward, Hussain and Martin Hiscox Underwriting Ltd of 1 Great St. Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Certificate of professional indemnity Insurance Policy number:lgsreizlph-yk Name of policy holder:Ward, Hussain and Martin Period of insurance: From Mon 23 May, 2022 to 29/06/2019 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: Mon 23 May, 2022 Insurance details Policy number: lgsreizlph-yk Period of insurance: From Mon 23 May, 2022 to 29/06/2019 both days inclusive. This policy isa Continuing cover policy. Insured: Ward, Hussain and Martin Address: 76 Rosemary plain South Mathew FARNHAM B8G 1XQ Additional insureds: None Business: Management Consultants Premium details Charged premium – the total amount you’ll pay for this policy. Charged premium: £5,013.45 Insurance Premium Tax (IPT): £3,129.65 Total charged premium: £8,147.32 Annualised premium – the annual premium for this policy. This is given for comparison purposes. Please refer to the charged premium section for the amount you’ll pay for the policy. Annual premium: £5,013.45 Insurance Premium Tax (IPT): £3,129.65 Annual total: £8,147.32 Please note that there will be no refund or additional premium for any transaction which is less than £20 (excluding IPT). Hiscox Business Insurance Policy Schedule 14502 10/18 Summary Claims information If you need to make a claim: - For claims relating to your building or contents please contact our claims team on 0800 247 1902, 9.00am – 5:30pm Monday to Friday. If you wish to make a claim online, you can log most claims quickly and easily through our claims notification portal at https://claims.hiscox.co.uk/. Outside of normal business hours, if you require emergency assistance in relation to substantial damage to your property, you can speak to our 24-hour emergency assistance team using the telephone number above. Your policy schedule will state if property cover is included in your policy. Our out-of-hours emergency assistance team operate ona pay-and-claim basis and you will need to have credit card details available as appropriate. The team will then be able to direct you to essential tradesmen, emergency loss adjusters or disaster management companies in the event of substantial damage. - If there isa claim (or potential claim) against you bya third party, please email us at liability.claims@hiscox.com. If you need to speak to a member of the claims team urgently, please call our team on 0800 711 7156, 9.00am – 5:30pm Monday to Friday. If you wish to make a claim online, you can log most claims quickly and easily through our claims notification portal at https://claims.hiscox.co.uk/. You will need to provide your full name and contact details, the name of your business or organisation, your address and postcode, the policy reference and circumstances of the claim. The Important information and contact details section below contains additional information specific to the covers applicable to your policy. If you are unsure of who to contact please call our team on 0800 711 7156, 9.00am – 5:30pm Monday to Friday. They will ensure you get through to the correct claims team and let you know what actions you need to take. If anything happens that might be covered under the policy, you must comply with the obligations set out in General claims conditions, together with the obligations set out under Your obligations in the section or sections under which you are making the claim. Itis important that you read the policy for details of its terms in full. Your covers This isa summary of each section of your policy. See each section for cover details. Cover Insurance amount Excess Annual Premium (exc IPT) Professional indemnity £1,000,000 £1,000 £7,519.37 Legal protection £100,000 £0 £822.07 Crisis containment £25,000 - £0.00 The figures above are in summary only and are not in addition to the amount insured specified against each cover section below. Hiscox Business Insurance Policy Schedule 14502 10/18 SECTION: PROFESSIONAL INDEMNITY – MANAGEMENT CONSULTANTS Cover start date: Mon 23 May, 2022 Limit of indemnity £1,000,000 Limit applies to in the aggregate, including all costs Excess £1,000 Excess applies to each and every claim or loss, including all costs Geographical limits Worldwide Applicable courts Worldwide (excluding United States of America and Canada) Claims brought in USA or Canada Not covered Additional covers (in addition to overall limit of indemnity stated above) Cover Limit of indemnity Limit applies to Court attendance compensation - employees £250 per person, per day Court attendance compensation - directors and partners£500 per person, per day Court attendance compensation: in total £100,000 in the aggregate Special limits (included within not in addition to the overall limit of indemnity stated above) Cover Limit of indemnity Limit applies to Personal data claims £250,000 in the aggregate, including all costs Business activities Business managementPage / 2 consultant Retroactive date 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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lgsreizlph-yk
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(?<=Policy number - )[-\w_\/\.]+?(?= Company name)
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Mon 23 May, 2022
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(?<=anniversary of your policy is approaching on )[-\w_\/\. ,]+?(?= \.)
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Business
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(?<=time to renew your Hiscox )[-\w_\/\. ]+?(?= Insurance)
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2024-02-05
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hiscox-business-2
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Hiscox Business Insurance - Policy number - M/GXHE-HH/DSE-BEKIFE Company name: Scott-Atkins It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : M/GXHE-HH/DSE-BEKIFE. Company name: Scott-Atkins. Your Hiscox Insurance premium. Last year’s annual premium: This year’s annual premium. £ 5,029.90. £ 5,029.90. The premium includes all applicable insurance premium tax (IPT). Dear Dr Dr Clifford John. Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 2025-09-28 . Good news; if you want cover to continue with us and to make sure you stay protected by our award-winning cover, you do not need to do anything. We will update your policy onto our latest wording and continue to collect payment using the payment details we have for you. You must read the important information contained in this email and the attached documents. Your Hiscox Insurance Premium breakdown. The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). The amount shown as last year’s Annual premium will take into account any changes to the cover which may have been made during the last policy period. Cover. Last year’s annual premium (exc IPT). This year’s annual Premium (exc IPT). Professional indemnity. £1,452.45. £1,452.45. Legal protection. £4,869.00. £4,869.00. 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 Scott-Atkins , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay. . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover. Policy summary for each cover. ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover . As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before 2025-09-28 . We’re here between 8:30am - 5:30pm Monday to Friday . Please note that we can only discuss policy changes with people named on the policy. Why renew with Hiscox. - Reassuring: we offer a range of cover options that can be tailored to your needs. - Flexible: we offer full flexibility to change your policy, with no administration fees . - Award-winning cover : we’ve been named Best Small Business Insurer 7 years running by Start Your Business Magazine . Please click this link for the Hiscox Referral Portal: https://refer.aklamio.com/hiscox/uk?source=postpurchase. Thank you again for choosing Hiscox to insure your business. We hope you and your business have a very successful year. Kind regards. Jon Dye. CEO, Hiscox UK. Business Insurance for the small and the brave. To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre. Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. This email and any files transmitted with it are confidential and intended solely for the use of the individual or entity to whom they are addressed. No one else is authorised to distribute, forward, print, copy or act upon any information contained in this email. If you have received this email in error, please notify the sender. Hiscox Syndicates Limited and Hiscox Insurance Company Limited are authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Hiscox Underwriting Limited, Hiscox Underwriting Services Ltd, Hiscox MGA Ltd and Hiscox ASM Ltd are authorised and regulated by the Financial Conduct Authority. Hiscox Assure SAS is duly registered as an insurance broker with the ORIAS, which is the French Official Registry of Insurance Intermediaries. Hiscox plc is a company registered in England and Wales under company registration number 2837811 and registered office at 1 Great St Helen's, London EC3A 6HX. Hiscox SA is a company registered in Luxembourg at 35 Avenue John F. Kennedy 35F, Luxembourg L-1855, and is authorised by the Commissariat aux Assurances de Luxembourg. It’s time to renew your Hiscox Business Insurance Hiscox Insurance policy number : M/GXHE-HH/DSE-BEKIFE Company name: Scott-Atkins . It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : M/GXHE-HH/DSE-BEKIFE Company name: Scott-Atkins . Your Hiscox Insurance premium Last year’s annual premium: This year’s annual premium The premium includes all applicable insurance premium tax (IPT). £ 5,029.90 £ 5,029.90 . Your Hiscox Insurance premium . Last year’s annual premium: This year’s annual premium £ 5,029.90 £ 5,029.90 . The premium includes all applicable insurance premium tax (IPT). Dear Dr Dr Clifford John . Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 2025-09-28 . Good news; if you want cover to continue with us and to make sure you stay protected by our award-winning cover, you do not need to do anything. We will update your policy onto our latest wording and continue to collect payment using the payment details we have for you. You must read the important information contained in this email and the attached documents Your Hiscox Insurance Premium breakdown The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). The amount shown as last year’s Annual premium will take into account any changes to the cover which may have been made during the last policy period. Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) Professional indemnity £1,452.45 £1,452.45 Legal protection £4,869.00 £4,869.00 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 Scott-Atkins , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover Policy summary for each cover ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before 2025-09-28 . We’re here between 8:30am - 5:30pm Monday to Friday . Please note that we can only discuss policy changes with people named on the policy. Why renew with Hiscox - Reassuring: we offer a range of cover options that can be tailored to your needs - Flexible: we offer full flexibility to change your policy, with no administration fees - Award-winning cover : we’ve been named Best Small Business Insurer 7 years running by Start Your Business Magazine Please click this link for the Hiscox Referral Portal: https://refer.aklamio.com/hiscox/uk?source=postpurchase Thank you again for choosing Hiscox to insure your business. We hope you and your business have a very successful year. Kind regards Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 2025-09-28 . Good news; if you want cover to continue with us and to make sure you stay protected by our award-winning cover, you do not need to do anything. We will update your policy onto our latest wording and continue to collect payment using the payment details we have for you. You must read the important information contained in this email and the attached documents Your Hiscox Insurance Premium breakdown The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). The amount shown as last year’s Annual premium will take into account any changes to the cover which may have been made during the last policy period. Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) Professional indemnity £1,452.45 £1,452.45 Legal protection £4,869.00 £4,869.00 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 Scott-Atkins , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover Policy summary for each cover ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before 2025-09-28 . We’re here between 8:30am - 5:30pm Monday to Friday . Please note that we can only discuss policy changes with people named on the policy. Why renew with Hiscox - Reassuring: we offer a range of cover options that can be tailored to your needs - Flexible: we offer full flexibility to change your policy, with no administration fees - Award-winning cover : we’ve been named Best Small Business Insurer 7 years running by Start Your Business Magazine Please click this link for the Hiscox Referral Portal: https://refer.aklamio.com/hiscox/uk?source=postpurchase Thank you again for choosing Hiscox to insure your business. We hope you and your business have a very successful year. Kind regards Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Your Hiscox Insurance Premium breakdown The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). Cover Professional indemnity Legal protection Crisis containment . Last year’s annual premium (exc IPT) £1,452.45 £4,869.00 £0.00 . This year’s annual Premium (exc IPT) £1,452.45 £4,869.00 . Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) . Professional indemnity £1,452.45 £1,452.45 . Legal protection £4,869.00 £4,869.00 . 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: Dr Clifford John Frequency of collection: Annual Sort code: %BANK_SORT_CODE_1% Account number: %BANK_ACCOUNT_NUMBER_1% Your Direct Debit schedule We will take payments on the dates outlined below: Date Amount 13/11/2023 £5,029.90 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: M/GXHE-HH/DSE-BEKIFE If you have any questions about your policy or payments, please call us on 0800 280 0351. We’re here between 8:30am - 5:30pm Monday to Friday or you can email us at service@hiscox.co.uk. Using your personal information Hiscox isa trading name ofa number of Hiscox companies. The specific company acting asa data controller of your personal information will be listed in the documentation we provide to you. If you are unsure you can also contact us at anytime by telephoning 01904 681198 or by emailing us at dataprotectionofficer@hiscox.com. We collect and process information about you in order to provide insurance policies and to process claims. Your information is also used for business purposes such as fraud prevention and detection and financial management. This may involve sharing your information with, and obtaining information about you from, our group companies and third parties such as brokers, loss adjusters, credit reference agencies, service providers, professional advisors, our regulators or fraud prevention agencies. We may record telephone calls to help us monitor and improve the service we provide. For further information on how your information is used and your rights in relation to your information please see our privacy policy at www.hiscox.co.uk/cookies-privacy. The Direct Debit Guarantee This Guarantee is offered by all banks and building societies that accept instructions to pay Direct Debits. If there are any changes to the amount, date or frequency of your Direct Debit Hiscox Underwriting Ltd will notify you ten working days in advance of your account being debited or as otherwise agreed. If you request Hiscox Underwriting Ltd to collect a payment, confirmation of the amount and date will be given to you at the time of the request. If an error is made in the payment of your Direct Debit by Hiscox Underwriting Ltd or your bank or building society you are entitled to a full and immediate refund of the amount paid from your bank or building society. – If you receive a refund you are not entitled to, you must pay it back when Hiscox Underwriting Ltd asks you to. You can cancel a Direct Debit at anytime by simply contacting your bank or building society. Written confirmation maybe required. Please also notify us. Page / 1 Hiscox Business Insurance Policy summary JAC-PSC-UK-DC556(5.4) 17431b 07/20 Your Hiscox Business Insurance policy summaries This document contains the summaries for any policy covers you have selected to protect your business. These summaries outline the key information about your policies so you can be confident that you have understood what you have bought and what you are covered for. However, you should carefully read your policy in full and ensure that you understand its terms and conditions in full. If you have any queries, you should contact Hiscox or your insurance advisor. Your side of the bargain Remember, your premium and insurance are based on the details you have provided to us. Please make sure this information accurately reflects your business and that you inform us immediately if anything needs to change. Please also tell us of any changes in circumstances that may affect the services provided by us or the cover provided by your policy. This is particularly important before taking out a policy, but it also applies throughout the life of the policy too. You need to consider: ■if you fail to fairly present the risk to us, including by failing to disclose any information material to the insurance, you could invalidate the policy, claims may not be paid or the amount we pay maybe reduced; ■you should read and check all insurance documents to ensure that you are aware of the cover, limits and other terms that apply; ■if you fail to let us know of any changes to your circumstances during the period of insurance or, if when telling us about such changes you fail to present the risk to us fairly, you could invalidate the policy, claims may not be paid or the amount we pay maybe reduced; ■please be aware of all terms and conditions of your policy because failure to comply with them could invalidate it or result in us not paying a claim or reducing the amount we pay; ■in the event ofa claim, you should take note of the required procedures, such as giving Hiscox prompt notice of the claims, as stated in the policy documentation. In particular, if you fail to notify us when you first become aware ofa shortcoming, fact, or problem, admit you are liable for what has happened or appoint solicitors or other legal representation without our prior written approval, claims or defence costs may not be paid or the amount we pay maybe reduced; ■as with any insurance, you have an obligation to take reasonable steps to mitigate any loss or liability; ■if you make a fraudulent claim or try to deceive us, we may terminate the policy. Policy length The period of insurance is shown on your policy schedule. Your policy schedule will also show if the policy is ona continuing cover basis. If itis ona continuing cover basis, we will renew your policy each year for another 12 months and continue to take payment (including any premium adjustment shown in your renewal invitation) using your existing arrangement, unless you tell us otherwise or if your risk changes. If your policy schedule does not show that the policy is ona continuing cover basis, cover will cease at the end of the period of insurance, unless you renew your policy with us. We will provide you witha statement of fact each year and provided that the information contained within the statement of fact is true, complete and accurate, you do not need to provide us with any further information. If any of the information in your statement of fact is not true, complete and accurate, you must let us know. If you do not let us know, it may affect the validity of the policy or our ability to pay a claim. Retroactive dates, geographical and jurisdiction limits Where any section of your policy schedule includes a retroactive date, we will not make any payment for any claim or loss under that section which arises from any activity performed or any act, incident or occurrence taking place, before the retroactive date. Where any section of your policy schedule shows the geographical limits which apply to that section of the policy, we will only pay for claims and losses under that section which arise from activities performed or acts, incidents or occurrences taking place within those geographical limits. Where any section provides cover in respect of your liability to third parties, we will only cover claims first made ina country within the applicable courts stated in that section of your policy schedule. Hiscox Business Insurance Policy summary JAC-PSC-UK-DC556(5.4) 17431b 07/20 Cancellation rights You can cancel this policy by giving us 30 days' notice. You will only be charged for the premiums due up to the date of cancellation. If we need to cancel the policy, we’ll give you 30 days’ notice in writing and refund any surplus premiums you might have paid. Please note – we may deduct an administration fee from any refunded payment.There is an exception to our 30-day notice period, which is triggered when we don’t receive your Direct Debit payments within the agreed 14-day period. At this point, we will contact you as soon as possible and stop the 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-Atkins Hiscox Underwriting Ltd of 1 Great St. Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Certificate of professional indemnity Insurance Policy number:M/GXHE-HH/DSE-BEKIFE Name of policy holder:Scott-Atkins Period of insurance: From 2025-09-28 to Saturday 08 June, 2019 both days inclusive. This policy isa Continuing cover policy Insurer: Hiscox Insurance Company Limited Retroactive date: 25/06/23 Level of cover:£1,000,000 Signed on behalf of Hiscox Underwriting Limited as agent for the insurers Jon Dye CEO, Hiscox UK Notes: (a) This insurance is subject to policy terms and conditions and any special terms notified to the InsuredPage / 1 Hiscox Business Insurance Policy Schedule 14502 10/18 This schedule tells you what is insured with us. It should be read carefully with your policy wording(s) and statement of fact detailed elsewhere in this document. Schedule effective date: 2025-09-28 Insurance details Policy number: M/GXHE-HH/DSE-BEKIFE Period of insurance: From 2025-09-28 to Saturday 08 June, 2019 both days inclusive. This policy isa Continuing cover policy. Insured: Scott-Atkins Address: Flat 16d Kate orchard North Ashleigh FARNHAM BA57 8NE Additional insureds: None Business: Management Consultants Premium details Charged premium – the total amount you’ll pay for this policy. Charged premium: £9,483.15 Insurance Premium Tax (IPT): £6,382.76 Total charged premium: £5,029.90 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: £9,483.15 Insurance Premium Tax (IPT): £6,382.76 Annual total: £5,029.90 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 £1,452.45 Legal protection £100,000 £0 £4,869.00 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: 2025-09-28 Limit of indemnity £1,000,000 Limit applies to in the aggregate, including all costs Excess £1,000 Excess applies to each and every claim or loss, including all costs Geographical limits Worldwide Applicable courts Worldwide (excluding United States of America and Canada) Claims brought in USA or Canada Not covered Additional covers (in addition to overall limit of indemnity stated above) Cover Limit of indemnity Limit applies to Court attendance compensation - employees £250 per person, per day Court attendance compensation - directors and partners£500 per person, per day Court attendance compensation: in total £100,000 in the aggregate Special limits (included within not in addition to the overall limit of indemnity stated above) Cover Limit of indemnity Limit applies to Personal data claims £250,000 in the aggregate, including all costs Business activities Business managementPage / 2 consultant Retroactive date 25/06/23 Insurer Hiscox Insurance Company LimitedPage / 1 Hiscox Insurance Summary of change Introduction This document has been created to help you understand the key changes to your Hiscox Insurance policy and how they may impact you. Your policy continues to offer professional, tailored insurance to protect you and give you peace of mind that if you need us, you will be supported by our award winning claims team. If you have a query not covered by this document, or if you have any questions or concerns about your policy you should contact us. Frequently asked questions What if my circumstances change during the period of insurance? If your circumstances change during the period of insurance, you only need to let us know if the change means that any of the information in the Statement of Fact is no longer true, complete and accurate. If there are no such changes, you do not need to let us know. If any of the information within the Statement of Fact becomes no longer complete, true or accurate at any point during the period of insurance you must tell us as it may affect the validity of the policy or our ability to pay a claim. Additionally, if your contact details change then you should let us know straightaway. Where doI find the limits that apply to my policy? You can find your maximum allowable limits for turnover and wage rollin your Statement of Fact. You must check this information and tell us or your broker if you expect to exceed the maximum amounts shown. Please note these values may have changed. If there are special limits or special excesses applying to particular covers or types of losses these will be shown in the policy schedule. Please check your policy schedule carefully as they may have changed. My new schedule shows a different premium to last year? What has changed? If an underwriter has reviewed your policy then they may have manually adjusted your premium, for example if you’ve had claims in the last 12 months. Where doI find out about any endorsements on my policy? You will be able to see if an endorsement has been applied or removed by reviewing your Policy Schedule. If you have any queries or concerns, please contact us or your broker if you have one. Hiscox Insurance Summary of change Professional indemnity for business management consultants Summary of change Changes to the cover The following table shows the differences between our new policy wordings (5570 WD- PROF-UK-MAN(7), 15579 WD-PROF-UK-MAN-AG(3)) and our previous wordings (5570 WD-PROF-UK-MAN(6), 15579 WD-PROF-UK-MAN-AG(2)). This isa summary of the changes only. You should refer to the schedule and policy wording for the full description of the cover in place. Area of cover Previous policy New policy Improvement in cover Claims against you Advertising claims. We will pay claims arising from your advertising or branding for defamation or infringement of copyright or moral rights. This does not include claims for passing off, unauthorised use of trademarks or false or misleading advertising. Previously cover was not restricted to defamation or the infringement of copyright or moral rights.Covered Amended Your own lossesChanges to ‘what is covered’ Losses from dishonesty. Your losses arising from the dishonesty of your employees, sub-contractors or outsourcers.Covered Not covered Area of cover Previous policy New policy Improvement in cover Cyber incident. We will not pay claims relating to an actual or possible cyber attack, hacker or social engineering communication. Previously we excluded any virus not specifically targeted at your system.Covered Not covered Computer or digital technology error. We will not pay claims arising from any negligent act, error or omission in the operation or maintenance of computer or digital technology such as development, installation, patching or upgrading.Covered Not coveredChanges to ‘what is not covered’ Infrastructure. We will not pay claims arising from the failure of the service provided by internet, telecommunications, utilities or other infrastructure providers.Covered Not covered Hiscox Insurance Summary of change Personal data. We will not pay claims relating to personal data. We will pay such claims where they arise from your performance ofa business activity and which is not otherwise excluded. Subject to the limit shown in the schedule.Covered Not covered Other important changes Control of defence. Under the previous wording we had a duty to defend you against any covered claim brought against you. We now have the right but not the obligation to take control of the conduct of the claim including the appointment of legal representation. Please refer to the policy wording for full details. SOC-PROF-UK-MAN(1) 21367 01/21
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M/GXHE-HH/DSE-BEKIFE
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(?<=Policy number - )[-\w_\/\.]+?(?= Company name)
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2025-09-28
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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 - 7300AS/7_P77ER4B Company name: Nicholson, Davis and Murphy It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : 7300AS/7_P77ER4B. Company name: Nicholson, Davis and Murphy. Your Hiscox Insurance premium. Last year’s annual premium: This year’s annual premium. £ 379.72. £ 379.72. The premium includes all applicable insurance premium tax (IPT). Dear Miss Lauren Bailey-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. £2,130.03. £2,130.03. Legal protection. £199.53. £199.53. Crisis containment. £0.00. Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy . Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government increase in Insurance Premium Tax as shown. Is our information correct? Your premium and cover are based on what you’ve told us about Nicholson, Davis and Murphy , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay. . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover. Policy summary for each cover. ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover . As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, 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 : 7300AS/7_P77ER4B Company name: Nicholson, Davis and Murphy . It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : 7300AS/7_P77ER4B Company name: Nicholson, Davis and Murphy . Your Hiscox Insurance premium Last year’s annual premium: This year’s annual premium The premium includes all applicable insurance premium tax (IPT). £ 379.72 £ 379.72 . Your Hiscox Insurance premium . Last year’s annual premium: This year’s annual premium £ 379.72 £ 379.72 . The premium includes all applicable insurance premium tax (IPT). Dear Miss Lauren Bailey-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 £2,130.03 £2,130.03 Legal protection £199.53 £199.53 Crisis containment £0.00 Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government increase in Insurance Premium Tax as shown. Is our information correct? Your premium and cover are based on what you’ve told us about Nicholson, Davis and Murphy , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover Policy summary for each cover ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, 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 £2,130.03 £2,130.03 Legal protection £199.53 £199.53 Crisis containment £0.00 Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government increase in Insurance Premium Tax as shown. Is our information correct? Your premium and cover are based on what you’ve told us about Nicholson, Davis and Murphy , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover Policy summary for each cover ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, 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) £2,130.03 £199.53 £0.00 . This year’s annual Premium (exc IPT) £2,130.03 £199.53 . Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) . Professional indemnity £2,130.03 £2,130.03 . Legal protection £199.53 £199.53 . Crisis containment £0.00 . Kind regards Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre . Kind regards . Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave . To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre . Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Page / 1 Hiscox Business Insurance Policy wording 17431a - DC565 WORDING 04/17Guide to sectionsIntroduction Policy wordings General terms and conditions Professional indemnity for business management consultants Legal protection Crisis containment Hiscox Business Insurance Policy wording 17431a - DC565 WORDING 04/17IntroductionThank you for choosing Hiscox to protect your business. We hope that the language and layout of this policy wording are clear because we want you to understand the insurance we provide as well as the responsibilities we have to each other. Please read this document, including the policy schedule, policy summary and statement of fact, and let us know as soon as possible if any of the details are shown incorrectly. We always try to deliver to the highest standards of service. Your views are important to us, so if you feel that our service is below the standard you would expect from Hiscox, please contact us on the phone number shown in your policy schedule. Please note that some of the words we use in this insurance are shown in bold type. These words are defined in each section of the wording. Page / 1 Hiscox Insurance Payment schedule Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Thank you for continuing to pay for your policy by Direct Debit. Please check these details and let us know if anything is incorrect or if the schedule is not suitable. Your reference details Account holder name: Lauren Bailey-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 17 December, 2022 £379.72 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: 7300AS/7_P77ER4B If you have any questions about your policy or payments, please call us on 0800 280 0351. We’re here between 8:30am - 5:30pm Monday to Friday or you can email us at service@hiscox.co.uk. Using your personal information Hiscox isa trading name ofa number of Hiscox companies. The specific company acting asa data controller of your personal information will be listed in the documentation we provide to you. If you are unsure you can also contact us at anytime by telephoning 01904 681198 or by emailing us at dataprotectionofficer@hiscox.com. We collect and process information about you in order to provide insurance policies and to process claims. Your information is also used for business purposes such as fraud prevention and detection and financial management. This may involve sharing your information with, and obtaining information about you from, our group companies and third parties such as brokers, loss adjusters, credit reference agencies, service providers, professional advisors, our regulators or fraud prevention agencies. We may record telephone calls to help us monitor and improve the service we provide. For further information on how your information is used and your rights in relation to your information please see our privacy policy at www.hiscox.co.uk/cookies-privacy. The Direct Debit Guarantee This Guarantee is offered by all banks and building societies that accept instructions to pay Direct Debits. If there are any changes to the amount, date or frequency of your Direct Debit Hiscox Underwriting Ltd will notify you ten working days in advance of your account being debited or as otherwise agreed. If you request Hiscox Underwriting Ltd to collect a payment, confirmation of the amount and date will be given to you at the time of the request. If an error is made in the payment of your Direct Debit by Hiscox Underwriting Ltd or your bank or building society you are entitled to a full and immediate refund of the amount paid from your bank or building society. – If you receive a refund you are not entitled to, you must pay it back when Hiscox Underwriting Ltd asks you to. You can cancel a Direct Debit at anytime by simply contacting your bank or building society. Written confirmation maybe required. Please also notify us. Page / 1 Hiscox Business Insurance Policy summary JAC-PSC-UK-DC556(5.4) 17431b 07/20 Your Hiscox Business Insurance policy summaries This document contains the summaries for any policy covers you have selected to protect your business. These summaries outline the key information about your policies so you can be confident that you have understood what you have bought and what you are covered for. However, you should carefully read your policy in full and ensure that you understand its terms and conditions in full. If you have any queries, you should contact Hiscox or your insurance advisor. Your side of the bargain Remember, your premium and insurance are based on the details you have provided to us. Please make sure this information accurately reflects your business and that you inform us immediately if anything needs to change. Please also tell us of any changes in circumstances that may affect the services provided by us or the cover provided by your policy. This is particularly important before taking out a policy, but it also applies throughout the life of the policy too. You need to consider: ■if you fail to fairly present the risk to us, including by failing to disclose any information material to the insurance, you could invalidate the policy, claims may not be paid or the amount we pay maybe reduced; ■you should read and check all insurance documents to ensure that you are aware of the cover, limits and other terms that apply; ■if you fail to let us know of any changes to your circumstances during the period of insurance or, if when telling us about such changes you fail to present the risk to us fairly, you could invalidate the policy, claims may not be paid or the amount we pay maybe reduced; ■please be aware of all terms and conditions of your policy because failure to comply with them could invalidate it or result in us not paying a claim or reducing the amount we pay; ■in the event ofa claim, you should take note of the required procedures, such as giving Hiscox prompt notice of the claims, as stated in the policy documentation. In particular, if you fail to notify us when you first become aware ofa shortcoming, fact, or problem, admit you are liable for what has happened or appoint solicitors or other legal representation without our prior written approval, claims or defence costs may not be paid or the amount we pay maybe reduced; ■as with any insurance, you have an obligation to take reasonable steps to mitigate any loss or liability; ■if you make a fraudulent claim or try to deceive us, we may terminate the policy. Policy length The period of insurance is shown on your policy schedule. Your policy schedule will also show if the policy is ona continuing cover basis. If itis ona continuing cover basis, we will renew your policy each year for another 12 months and continue to take payment (including any premium adjustment shown in your renewal invitation) using your existing arrangement, unless you tell us otherwise or if your risk changes. If your policy schedule does not show that the policy is ona continuing cover basis, cover will cease at the end of the period of insurance, unless you renew your policy with us. We will provide you witha statement of fact each year and provided that the information contained within the statement of fact is true, complete and accurate, you do not need to provide us with any further information. If any of the information in your statement of fact is not true, complete and accurate, you must let us know. If you do not let us know, it may affect the validity of the policy or our ability to pay a claim. Retroactive dates, geographical and jurisdiction limits Where any section of your policy schedule includes a retroactive date, we will not make any payment for any claim or loss under that section which arises from any activity performed or any act, incident or occurrence taking place, before the retroactive date. Where any section of your policy schedule shows the geographical limits which apply to that section of the policy, we will only pay for claims and losses under that section which arise from activities performed or acts, incidents or occurrences taking place within those geographical limits. Where any section provides cover in respect of your liability to third parties, we will only cover claims first made ina country within the applicable courts stated in that section of your policy schedule. Hiscox Business Insurance Policy summary JAC-PSC-UK-DC556(5.4) 17431b 07/20 Cancellation rights You can cancel this policy by giving us 30 days' notice. You will only be charged for the premiums due up to the date of cancellation. If we need to cancel the policy, we’ll give you 30 days’ notice in writing and refund any surplus premiums you might have paid. Please note – we may deduct an administration fee from any refunded payment.There is an exception to our 30-day notice period, which is triggered when we don’t receive your Direct Debit payments within the agreed 14-day period. At this point, we will contact you as soon as possible and stop the policyPage / 2 immediately. Underwritten by:Hiscox Underwriting Ltd on behalf of the insurers named in the schedule. Page / 1 Certificate of professional indemnity insurance Nicholson, Davis and Murphy Hiscox Underwriting Ltd of 1 Great St. Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Certificate of professional indemnity Insurance Policy number:7300AS/7_P77ER4B Name of policy holder:Nicholson, Davis and Murphy Period of insurance: From Tue 10 January, 2023 to Tuesday 06 July, 2021 both days inclusive. This policy isa Continuing cover policy Insurer: Hiscox Insurance Company Limited Retroactive date: 2019-05-01 Level of cover:£1,000,000 Signed on behalf of Hiscox Underwriting Limited as agent for the insurers Jon Dye CEO, Hiscox UK Notes: (a) This insurance is subject to policy terms and conditions and any special terms notified to the InsuredPage / 1 Hiscox Business Insurance Policy Schedule 14502 10/18 This schedule tells you what is insured with us. It should be read carefully with your policy wording(s) and statement of fact detailed elsewhere in this document. Schedule effective date: Tue 10 January, 2023 Insurance details Policy number: 7300AS/7_P77ER4B Period of insurance: From Tue 10 January, 2023 to Tuesday 06 July, 2021 both days inclusive. This policy isa Continuing cover policy. Insured: Nicholson, Davis and Murphy Address: 448 Mary loaf West Kathrynchester FARNHAM M6 5WP Additional insureds: None Business: Management Consultants Premium details Charged premium – the total amount you’ll pay for this policy. Charged premium: £3,889.91 Insurance Premium Tax (IPT): £784.72 Total charged premium: £379.72 Annualised premium – the annual premium for this policy. This is given for comparison purposes. Please refer to the charged premium section for the amount you’ll pay for the policy. Annual premium: £3,889.91 Insurance Premium Tax (IPT): £784.72 Annual total: £379.72 Please note that there will be no refund or additional premium for any transaction which is less than £20 (excluding IPT). Hiscox Business Insurance Policy Schedule 14502 10/18 Summary Claims information If you need to make a claim: - For claims relating to your building or contents please contact our claims team on 0800 247 1902, 9.00am – 5:30pm Monday to Friday. If you wish to make a claim online, you can log most claims quickly and easily through our claims notification portal at https://claims.hiscox.co.uk/. Outside of normal business hours, if you require emergency assistance in relation to substantial damage to your property, you can speak to our 24-hour emergency assistance team using the telephone number above. Your policy schedule will state if property cover is included in your policy. Our out-of-hours emergency assistance team operate ona pay-and-claim basis and you will need to have credit card details available as appropriate. The team will then be able to direct you to essential tradesmen, emergency loss adjusters or disaster management companies in the event of substantial damage. - If there isa claim (or potential claim) against you bya third party, please email us at liability.claims@hiscox.com. If you need to speak to a member of the claims team urgently, please call our team on 0800 711 7156, 9.00am – 5:30pm Monday to Friday. If you wish to make a claim online, you can log most claims quickly and easily through our claims notification portal at https://claims.hiscox.co.uk/. You will need to provide your full name and contact details, the name of your business or organisation, your address and postcode, the policy reference and circumstances of the claim. The Important information and contact details section below contains additional information specific to the covers applicable to your policy. If you are unsure of who to contact please call our team on 0800 711 7156, 9.00am – 5:30pm Monday to Friday. They will ensure you get through to the correct claims team and let you know what actions you need to take. If anything happens that might be covered under the policy, you must comply with the obligations set out in General claims conditions, together with the obligations set out under Your obligations in the section or sections under which you are making the claim. Itis important that you read the policy for details of its terms in full. Your covers This isa summary of each section of your policy. See each section for cover details. Cover Insurance amount Excess Annual Premium (exc IPT) Professional indemnity £1,000,000 £1,000 £2,130.03 Legal protection £100,000 £0 £199.53 Crisis containment £25,000 - £0.00 The figures above are in summary only and are not in addition to the 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 2019-05-01 Insurer Hiscox Insurance Company LimitedPage / 1 Hiscox Insurance Summary of change Introduction This document has been created to help you understand the key changes to your Hiscox Insurance policy and how they may impact you. Your policy continues to offer professional, tailored insurance to protect you and give you peace of mind that if you need us, you will be supported by our award winning claims team. If you have a query not covered by this document, or if you have any questions or concerns about your policy you should contact us. Frequently asked questions What if my circumstances change during the period of insurance? If your circumstances change during the period of insurance, you only need to let us know if the change means that any of the information in the Statement of Fact is no longer true, complete and accurate. If there are no such changes, you do not need to let us know. If any of the information within the Statement of Fact becomes no longer complete, true or accurate at any point during the period of insurance you must tell us as it may affect the validity of the policy or our ability to pay a claim. Additionally, if your contact details change then you should let us know straightaway. Where doI find the limits that apply to my policy? You can find your maximum allowable limits for turnover and wage rollin your Statement of Fact. You must check this information and tell us or your broker if you expect to exceed the maximum amounts shown. Please note these values may have changed. If there are special limits or special excesses applying to particular covers or types of losses these will be shown in the policy schedule. Please check your policy schedule carefully as they may have changed. My new schedule shows a different premium to last year? What has changed? If an underwriter has reviewed your policy then they may have manually adjusted your premium, for example if you’ve had claims in the last 12 months. Where doI find out about any endorsements on my policy? You will be able to see if an endorsement has been applied or removed by reviewing your Policy Schedule. If you have any queries or concerns, please contact us or your broker if you have one. Hiscox Insurance Summary of change Professional indemnity for business management consultants Summary of change Changes to the cover The following table shows the differences between our new policy wordings (5570 WD- PROF-UK-MAN(7), 15579 WD-PROF-UK-MAN-AG(3)) and our previous wordings (5570 WD-PROF-UK-MAN(6), 15579 WD-PROF-UK-MAN-AG(2)). This isa summary of the changes only. You should refer to the schedule and policy wording for the full description of the cover in place. Area of cover Previous policy New policy Improvement in cover Claims against you Advertising claims. We will pay claims arising from your advertising or branding for defamation or infringement of copyright or moral rights. This does not include claims for passing off, unauthorised use of trademarks or false or misleading advertising. Previously cover was not restricted to defamation or the infringement of copyright or moral rights.Covered Amended Your own lossesChanges to ‘what is covered’ Losses from dishonesty. Your losses arising from the dishonesty of your employees, sub-contractors or outsourcers.Covered Not covered Area of cover Previous policy New policy Improvement in cover Cyber incident. We will not pay claims relating to an actual or possible cyber attack, hacker or social engineering communication. Previously we excluded any virus not specifically targeted at your system.Covered Not covered Computer or digital technology error. We will not pay claims arising from any negligent act, error or omission in the operation or maintenance of computer or digital technology such as development, installation, patching or upgrading.Covered Not coveredChanges to ‘what is not covered’ Infrastructure. We will not pay claims arising from the failure of the service provided by internet, telecommunications, utilities or other infrastructure providers.Covered Not covered Hiscox Insurance Summary of change Personal data. We will not pay claims relating to personal data. We will pay such claims where they arise from your performance ofa business activity and which is not otherwise excluded. Subject to the limit shown in the schedule.Covered Not covered Other important changes Control of defence. Under the previous wording we had a duty to defend you against any covered claim brought against you. We now have the right but not the obligation to take control of the conduct of the claim including the appointment of legal representation. Please refer to the policy wording for full details. SOC-PROF-UK-MAN(1) 21367 01/21
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7300AS/7_P77ER4B
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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 - UOFRW.MQPJF Company name: Mitchell-Holland It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : UOFRW.MQPJF. Company name: Mitchell-Holland. Your Hiscox Insurance premium. Last year’s annual premium: This year’s annual premium. £ 7,233.48. £ 7,233.48. The premium includes all applicable insurance premium tax (IPT). Dear Ms June Andrews-Thompson. Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on Sat 20 June, 2020 . Good news; if you want cover to continue with us and to make sure you stay protected by our award-winning cover, you do not need to do anything. We will update your policy onto our latest wording and continue to collect payment using the payment details we have for you. You must read the important information contained in this email and the attached documents. Your Hiscox Insurance Premium breakdown. The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). The amount shown as last year’s Annual premium will take into account any changes to the cover which may have been made during the last policy period. Cover. Last year’s annual premium (exc IPT). This year’s annual Premium (exc IPT). Professional indemnity. £1,129.93. £1,129.93. Legal protection. £8,165.76. £8,165.76. 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 Mitchell-Holland , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay. . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover. Policy summary for each cover. ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover . As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, 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 20 June, 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 : UOFRW.MQPJF Company name: Mitchell-Holland . It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : UOFRW.MQPJF Company name: Mitchell-Holland . Your Hiscox Insurance premium Last year’s annual premium: This year’s annual premium The premium includes all applicable insurance premium tax (IPT). £ 7,233.48 £ 7,233.48 . Your Hiscox Insurance premium . Last year’s annual premium: This year’s annual premium £ 7,233.48 £ 7,233.48 . The premium includes all applicable insurance premium tax (IPT). Dear Ms June Andrews-Thompson . Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on Sat 20 June, 2020 . Good news; if you want cover to continue with us and to make sure you stay protected by our award-winning cover, you do not need to do anything. We will update your policy onto our latest wording and continue to collect payment using the payment details we have for you. You must read the important information contained in this email and the attached documents Your Hiscox Insurance Premium breakdown The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). The amount shown as last year’s Annual premium will take into account any changes to the cover which may have been made during the last policy period. Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) Professional indemnity £1,129.93 £1,129.93 Legal protection £8,165.76 £8,165.76 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 Mitchell-Holland , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover Policy summary for each cover ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, 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 20 June, 2020 . We’re here between 8:30am - 5:30pm Monday to Friday . Please note that we can only discuss policy changes with people named on the policy. Why renew with Hiscox - Reassuring: we offer a range of cover options that can be tailored to your needs - Flexible: we offer full flexibility to change your policy, with no administration fees - Award-winning cover : we’ve been named Best Small Business Insurer 7 years running by Start Your Business Magazine Please click this link for the Hiscox Referral Portal: https://refer.aklamio.com/hiscox/uk?source=postpurchase Thank you again for choosing Hiscox to insure your business. We hope you and your business have a very successful year. Kind regards Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on Sat 20 June, 2020 . Good news; if you want cover to continue with us and to make sure you stay protected by our award-winning cover, you do not need to do anything. We will update your policy onto our latest wording and continue to collect payment using the payment details we have for you. You must read the important information contained in this email and the attached documents Your Hiscox Insurance Premium breakdown The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). The amount shown as last year’s Annual premium will take into account any changes to the cover which may have been made during the last policy period. Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) Professional indemnity £1,129.93 £1,129.93 Legal protection £8,165.76 £8,165.76 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 Mitchell-Holland , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover Policy summary for each cover ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, 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 20 June, 2020 . We’re here between 8:30am - 5:30pm Monday to Friday . Please note that we can only discuss policy changes with people named on the policy. Why renew with Hiscox - Reassuring: we offer a range of cover options that can be tailored to your needs - Flexible: we offer full flexibility to change your policy, with no administration fees - Award-winning cover : we’ve been named Best Small Business Insurer 7 years running by Start Your Business Magazine Please click this link for the Hiscox Referral Portal: https://refer.aklamio.com/hiscox/uk?source=postpurchase Thank you again for choosing Hiscox to insure your business. We hope you and your business have a very successful year. Kind regards Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Your Hiscox Insurance Premium breakdown The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). Cover Professional indemnity Legal protection Crisis containment . Last year’s annual premium (exc IPT) £1,129.93 £8,165.76 £0.00 . This year’s annual Premium (exc IPT) £1,129.93 £8,165.76 . Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) . Professional indemnity £1,129.93 £1,129.93 . Legal protection £8,165.76 £8,165.76 . 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: June Andrews-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 Friday 06 December, 2019 £7,233.48 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: UOFRW.MQPJF If you have any questions about your policy or payments, please call us on 0800 280 0351. We’re here between 8:30am - 5:30pm Monday to Friday or you can email us at service@hiscox.co.uk. Using your personal information Hiscox isa trading name ofa number of Hiscox companies. The specific company acting asa data controller of your personal information will be listed in the documentation we provide to you. If you are unsure you can also contact us at anytime by telephoning 01904 681198 or by emailing us at dataprotectionofficer@hiscox.com. We collect and process information about you in order to provide insurance policies and to process claims. Your information is also used for business purposes such as fraud prevention and detection and financial management. This may involve sharing your information with, and obtaining information about you from, our group companies and third parties such as brokers, loss adjusters, credit reference agencies, service providers, professional advisors, our regulators or fraud prevention agencies. We may record telephone calls to help us monitor and improve the service we provide. For further information on how your information is used and your rights in relation to your information please see our privacy policy at www.hiscox.co.uk/cookies-privacy. The Direct Debit Guarantee This Guarantee is offered by all banks and building societies that accept instructions to pay Direct Debits. If there are any changes to the amount, date or frequency of your Direct Debit Hiscox Underwriting Ltd will notify you ten working days in advance of your account being debited or as otherwise agreed. If you request Hiscox Underwriting Ltd to collect a payment, confirmation of the amount and date will be given to you at the time of the request. If an error is made in the payment of your Direct Debit by Hiscox Underwriting Ltd or your bank or building society you are entitled to a full and immediate refund of the amount paid from your bank or building society. – If you receive a refund you are not entitled to, you must pay it back when Hiscox Underwriting Ltd asks you to. You can cancel a Direct Debit at anytime by simply contacting your bank or building society. Written confirmation maybe required. Please also notify us. Page / 1 Hiscox Business Insurance Policy summary JAC-PSC-UK-DC556(5.4) 17431b 07/20 Your Hiscox Business Insurance policy summaries This document contains the summaries for any policy covers you have selected to protect your business. These summaries outline the key information about your policies so you can be confident that you have understood what you have bought and what you are covered for. However, you should carefully read your policy in full and ensure that you understand its terms and conditions in full. If you have any queries, you should contact Hiscox or your insurance advisor. Your side of the bargain Remember, your premium and insurance are based on the details you have provided to us. Please make sure this information accurately reflects your business and that you inform us immediately if anything needs to change. Please also tell us of any changes in circumstances that may affect the services provided by us or the cover provided by your policy. This is particularly important before taking out a policy, but it also applies throughout the life of the policy too. You need to consider: ■if you fail to fairly present the risk to us, including by failing to disclose any information material to the insurance, you could invalidate the policy, claims may not be paid or the amount we pay maybe reduced; ■you should read and check all insurance documents to ensure that you are aware of the cover, limits and other terms that apply; ■if you fail to let us know of any changes to your circumstances during the period of insurance or, if when telling us about such changes you fail to present the risk to us fairly, you could invalidate the policy, claims may not be paid or the amount we pay maybe reduced; ■please be aware of all terms and conditions of your policy because failure to comply with them could invalidate it or result in us not paying a claim or reducing the amount we pay; ■in the event ofa claim, you should take note of the required procedures, such as giving Hiscox prompt notice of the claims, as stated in the policy documentation. In particular, if you fail to notify us when you first become aware ofa shortcoming, fact, or problem, admit you are liable for what has happened or appoint solicitors or other legal representation without our prior written approval, claims or defence costs may not be paid or the amount we pay maybe reduced; ■as with any insurance, you have an obligation to take reasonable steps to mitigate any loss or liability; ■if you make a fraudulent claim or try to deceive us, we may terminate the policy. Policy length The period of insurance is shown on your policy schedule. Your policy schedule will also show if the policy is ona continuing cover basis. If itis ona continuing cover basis, we will renew your policy each year for another 12 months and continue to take payment (including any premium adjustment shown in your renewal invitation) using your existing arrangement, unless you tell us otherwise or if your risk changes. If your policy schedule does not show that the policy is ona continuing cover basis, cover will cease at the end of the period of insurance, unless you renew your policy with us. We will provide you witha statement of fact each year and provided that the information contained within the statement of fact is true, complete and accurate, you do not need to provide us with any further information. If any of the information in your statement of fact is not true, complete and accurate, you must let us know. If you do not let us know, it may affect the validity of the policy or our ability to pay a claim. Retroactive dates, geographical and jurisdiction limits Where any section of your policy schedule includes a retroactive date, we will not make any payment for any claim or loss under that section which arises from any activity performed or any act, incident or occurrence taking place, before the retroactive date. Where any section of your policy schedule shows the geographical limits which apply to that section of the policy, we will only pay for claims and losses under that section which arise from activities performed or acts, incidents or occurrences taking place within those geographical limits. Where any section provides cover in respect of your liability to third parties, we will only cover claims first made ina country within the applicable courts stated in that section of your policy schedule. Hiscox Business Insurance Policy summary JAC-PSC-UK-DC556(5.4) 17431b 07/20 Cancellation rights You can cancel this policy by giving us 30 days' notice. You will only be charged for the premiums due up to the date of cancellation. If we need to cancel the policy, we’ll give you 30 days’ notice in writing and refund any surplus premiums you might have paid. Please note – we may deduct an administration fee from any refunded payment.There is an exception to our 30-day notice period, which is triggered when we don’t receive your Direct Debit payments within the agreed 14-day period. At this point, we will contact you as soon as possible and stop the 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-Holland Hiscox Underwriting Ltd of 1 Great St. Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Certificate of professional indemnity Insurance Policy number:UOFRW.MQPJF Name of policy holder:Mitchell-Holland Period of insurance: From Sat 20 June, 2020 to 2020-10-11 both days inclusive. This policy isa Continuing cover policy Insurer: Hiscox Insurance Company Limited Retroactive date: Fri 10 December, 2021 Level of cover:£1,000,000 Signed on behalf of Hiscox Underwriting Limited as agent for the insurers Jon Dye CEO, Hiscox UK Notes: (a) This insurance is subject to policy terms and conditions and any special terms notified to the InsuredPage / 1 Hiscox Business Insurance Policy Schedule 14502 10/18 This schedule tells you what is insured with us. It should be read carefully with your policy wording(s) and statement of fact detailed elsewhere in this document. Schedule effective date: Sat 20 June, 2020 Insurance details Policy number: UOFRW.MQPJF Period of insurance: From Sat 20 June, 2020 to 2020-10-11 both days inclusive. This policy isa Continuing cover policy. Insured: Mitchell-Holland Address: Studio 33R Patel dale Marianfort FARNHAM E3E 6BF Additional insureds: None Business: Management Consultants Premium details Charged premium – the total amount you’ll pay for this policy. Charged premium: £2,425.47 Insurance Premium Tax (IPT): £4,180.18 Total charged premium: £7,233.48 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: £2,425.47 Insurance Premium Tax (IPT): £4,180.18 Annual total: £7,233.48 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 £1,129.93 Legal protection £100,000 £0 £8,165.76 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: Sat 20 June, 2020 Limit of indemnity £1,000,000 Limit applies to in the aggregate, including all costs Excess £1,000 Excess applies to each and every claim or loss, including all costs Geographical limits Worldwide Applicable courts Worldwide (excluding United States of America and Canada) Claims brought in USA or Canada Not covered Additional covers (in addition to overall limit of indemnity stated above) Cover Limit of indemnity Limit applies to Court attendance compensation - employees £250 per person, per day Court attendance compensation - directors and partners£500 per person, per day Court attendance compensation: in total £100,000 in the aggregate Special limits (included within not in addition to the overall limit of indemnity stated above) Cover Limit of indemnity Limit applies to Personal data claims £250,000 in the aggregate, including all costs Business activities Business managementPage / 2 consultant Retroactive date Fri 10 December, 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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UOFRW.MQPJF
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(?<=Policy number - )[-\w_\/\.]+?(?= Company name)
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Sat 20 June, 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 - einwbnd Company name: Alexander Inc It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : einwbnd. Company name: Alexander Inc. Your Hiscox Insurance premium. Last year’s annual premium: This year’s annual premium. £ 885.25. £ 885.25. The premium includes all applicable insurance premium tax (IPT). Dear Miss Carolyn Ashton. Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 07 September, 2022 . Good news; if you want cover to continue with us and to make sure you stay protected by our award-winning cover, you do not need to do anything. We will update your policy onto our latest wording and continue to collect payment using the payment details we have for you. You must read the important information contained in this email and the attached documents. Your Hiscox Insurance Premium breakdown. The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). The amount shown as last year’s Annual premium will take into account any changes to the cover which may have been made during the last policy period. Cover. Last year’s annual premium (exc IPT). This year’s annual Premium (exc IPT). Professional indemnity. £9,499.64. £9,499.64. Legal protection. £2,078.38. £2,078.38. Crisis containment. £0.00. Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy . Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government increase in Insurance Premium Tax as shown. Is our information correct? Your premium and cover are based on what you’ve told us about Alexander 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 September, 2022 . We’re here between 8:30am - 5:30pm Monday to Friday . Please note that we can only discuss policy changes with people named on the policy. Why renew with Hiscox. - Reassuring: we offer a range of cover options that can be tailored to your needs. - Flexible: we offer full flexibility to change your policy, with no administration fees . - Award-winning cover : we’ve been named Best Small Business Insurer 7 years running by Start Your Business Magazine . Please click this link for the Hiscox Referral Portal: https://refer.aklamio.com/hiscox/uk?source=postpurchase. Thank you again for choosing Hiscox to insure your business. We hope you and your business have a very successful year. Kind regards. Jon Dye. CEO, Hiscox UK. Business Insurance for the small and the brave. To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre. Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. This email and any files transmitted with it are confidential and intended solely for the use of the individual or entity to whom they are addressed. No one else is authorised to distribute, forward, print, copy or act upon any information contained in this email. If you have received this email in error, please notify the sender. Hiscox Syndicates Limited and Hiscox Insurance Company Limited are authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Hiscox Underwriting Limited, Hiscox Underwriting Services Ltd, Hiscox MGA Ltd and Hiscox ASM Ltd are authorised and regulated by the Financial Conduct Authority. Hiscox Assure SAS is duly registered as an insurance broker with the ORIAS, which is the French Official Registry of Insurance Intermediaries. Hiscox plc is a company registered in England and Wales under company registration number 2837811 and registered office at 1 Great St Helen's, London EC3A 6HX. Hiscox SA is a company registered in Luxembourg at 35 Avenue John F. Kennedy 35F, Luxembourg L-1855, and is authorised by the Commissariat aux Assurances de Luxembourg. It’s time to renew your Hiscox Business Insurance Hiscox Insurance policy number : einwbnd Company name: Alexander Inc . It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : einwbnd Company name: Alexander Inc . Your Hiscox Insurance premium Last year’s annual premium: This year’s annual premium The premium includes all applicable insurance premium tax (IPT). £ 885.25 £ 885.25 . Your Hiscox Insurance premium . Last year’s annual premium: This year’s annual premium £ 885.25 £ 885.25 . The premium includes all applicable insurance premium tax (IPT). Dear Miss Carolyn Ashton . Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 07 September, 2022 . Good news; if you want cover to continue with us and to make sure you stay protected by our award-winning cover, you do not need to do anything. We will update your policy onto our latest wording and continue to collect payment using the payment details we have for you. You must read the important information contained in this email and the attached documents Your Hiscox Insurance Premium breakdown The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). The amount shown as last year’s Annual premium will take into account any changes to the cover which may have been made during the last policy period. Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) Professional indemnity £9,499.64 £9,499.64 Legal protection £2,078.38 £2,078.38 Crisis containment £0.00 Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government increase in Insurance Premium Tax as shown. Is our information correct? Your premium and cover are based on what you’ve told us about Alexander 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 September, 2022 . We’re here between 8:30am - 5:30pm Monday to Friday . Please note that we can only discuss policy changes with people named on the policy. Why renew with Hiscox - Reassuring: we offer a range of cover options that can be tailored to your needs - Flexible: we offer full flexibility to change your policy, with no administration fees - Award-winning cover : we’ve been named Best Small Business Insurer 7 years running by Start Your Business Magazine Please click this link for the Hiscox Referral Portal: https://refer.aklamio.com/hiscox/uk?source=postpurchase Thank you again for choosing Hiscox to insure your business. We hope you and your business have a very successful year. Kind regards Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 07 September, 2022 . Good news; if you want cover to continue with us and to make sure you stay protected by our award-winning cover, you do not need to do anything. We will update your policy onto our latest wording and continue to collect payment using the payment details we have for you. You must read the important information contained in this email and the attached documents Your Hiscox Insurance Premium breakdown The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). The amount shown as last year’s Annual premium will take into account any changes to the cover which may have been made during the last policy period. Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) Professional indemnity £9,499.64 £9,499.64 Legal protection £2,078.38 £2,078.38 Crisis containment £0.00 Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government increase in Insurance Premium Tax as shown. Is our information correct? Your premium and cover are based on what you’ve told us about Alexander 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 September, 2022 . We’re here between 8:30am - 5:30pm Monday to Friday . Please note that we can only discuss policy changes with people named on the policy. Why renew with Hiscox - Reassuring: we offer a range of cover options that can be tailored to your needs - Flexible: we offer full flexibility to change your policy, with no administration fees - Award-winning cover : we’ve been named Best Small Business Insurer 7 years running by Start Your Business Magazine Please click this link for the Hiscox Referral Portal: https://refer.aklamio.com/hiscox/uk?source=postpurchase Thank you again for choosing Hiscox to insure your business. We hope you and your business have a very successful year. Kind regards Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Your Hiscox Insurance Premium breakdown The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). Cover Professional indemnity Legal protection Crisis containment . Last year’s annual premium (exc IPT) £9,499.64 £2,078.38 £0.00 . This year’s annual Premium (exc IPT) £9,499.64 £2,078.38 . Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) . Professional indemnity £9,499.64 £9,499.64 . Legal protection £2,078.38 £2,078.38 . Crisis containment £0.00 . Kind regards Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre . Kind regards . Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave . To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre . Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Page / 1 Hiscox Business Insurance Policy wording 17431a - DC565 WORDING 04/17Guide to sectionsIntroduction Policy wordings General terms and conditions Professional indemnity for business management consultants Legal protection Crisis containment Hiscox Business Insurance Policy wording 17431a - DC565 WORDING 04/17IntroductionThank you for choosing Hiscox to protect your business. We hope that the language and layout of this policy wording are clear because we want you to understand the insurance we provide as well as the responsibilities we have to each other. Please read this document, including the policy schedule, policy summary and statement of fact, and let us know as soon as possible if any of the details are shown incorrectly. We always try to deliver to the highest standards of service. Your views are important to us, so if you feel that our service is below the standard you would expect from Hiscox, please contact us on the phone number shown in your policy schedule. Please note that some of the words we use in this insurance are shown in bold type. These words are defined in each section of the wording. Page / 1 Hiscox Insurance Payment schedule Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Thank you for continuing to pay for your policy by Direct Debit. Please check these details and let us know if anything is incorrect or if the schedule is not suitable. Your reference details Account holder name: Carolyn Ashton Frequency of collection: Annual Sort code: %BANK_SORT_CODE_1% Account number: %BANK_ACCOUNT_NUMBER_1% Your Direct Debit schedule We will take payments on the dates outlined below: Date Amount 14/10/22 £885.25 Where your chosen collection date falls ona non-working day then we will endeavour to collect the next working day. For your information, the collections will be made using the following reference number: Originator Identification Number: 293461 Reference Number: einwbnd If you have any questions about your policy or payments, please call us on 0800 280 0351. We’re here between 8:30am - 5:30pm Monday to Friday or you can email us at service@hiscox.co.uk. Using your personal information Hiscox isa trading name ofa number of Hiscox companies. The specific company acting asa data controller of your personal information will be listed in the documentation we provide to you. If you are unsure you can also contact us at anytime by telephoning 01904 681198 or by emailing us at dataprotectionofficer@hiscox.com. We collect and process information about you in order to provide insurance policies and to process claims. Your information is also used for business purposes such as fraud prevention and detection and financial management. This may involve sharing your information with, and obtaining information about you from, our group companies and third parties such as brokers, loss adjusters, credit reference agencies, service providers, professional advisors, our regulators or fraud prevention agencies. We may record telephone calls to help us monitor and improve the service we provide. For further information on how your information is used and your rights in relation to your information please see our privacy policy at www.hiscox.co.uk/cookies-privacy. The Direct Debit Guarantee This Guarantee is offered by all banks and building societies that accept instructions to pay Direct Debits. If there are any changes to the amount, date or frequency of your Direct Debit Hiscox Underwriting Ltd will notify you ten working days in advance of your account being debited or as otherwise agreed. If you request Hiscox Underwriting Ltd to collect a payment, confirmation of the amount and date will be given to you at the time of the request. If an error is made in the payment of your Direct Debit by Hiscox Underwriting Ltd or your bank or building society you are entitled to a full and immediate refund of the amount paid from your bank or building society. – If you receive a refund you are not entitled to, you must pay it back when Hiscox Underwriting Ltd asks you to. You can cancel a Direct Debit at anytime by simply contacting your bank or building society. Written confirmation maybe required. Please also notify us. Page / 1 Hiscox Business Insurance Policy summary JAC-PSC-UK-DC556(5.4) 17431b 07/20 Your Hiscox Business Insurance policy summaries This document contains the summaries for any policy covers you have selected to protect your business. These summaries outline the key information about your policies so you can be confident that you have understood what you have bought and what you are covered for. However, you should carefully read your policy in full and ensure that you understand its terms and conditions in full. If you have any queries, you should contact Hiscox or your insurance advisor. Your side of the bargain Remember, your premium and insurance are based on the details you have provided to us. Please make sure this information accurately reflects your business and that you inform us immediately if anything needs to change. Please also tell us of any changes in circumstances that may affect the services provided by us or the cover provided by your policy. This is particularly important before taking out a policy, but it also applies throughout the life of the policy too. You need to consider: ■if you fail to fairly present the risk to us, including by failing to disclose any information material to the insurance, you could invalidate the policy, claims may not be paid or the amount we pay maybe reduced; ■you should read and check all insurance documents to ensure that you are aware of the cover, limits and other terms that apply; ■if you fail to let us know of any changes to your circumstances during the period of insurance or, if when telling us about such changes you fail to present the risk to us fairly, you could invalidate the policy, claims may not be paid or the amount we pay maybe reduced; ■please be aware of all terms and conditions of your policy because failure to comply with them could invalidate it or result in us not paying a claim or reducing the amount we pay; ■in the event ofa claim, you should take note of the required procedures, such as giving Hiscox prompt notice of the claims, as stated in the policy documentation. In particular, if you fail to notify us when you first become aware ofa shortcoming, fact, or problem, admit you are liable for what has happened or appoint solicitors or other legal representation without our prior written approval, claims or defence costs may not be paid or the amount we pay maybe reduced; ■as with any insurance, you have an obligation to take reasonable steps to mitigate any loss or liability; ■if you make a fraudulent claim or try to deceive us, we may terminate the policy. Policy length The period of insurance is shown on your policy schedule. Your policy schedule will also show if the policy is ona continuing cover basis. If itis ona continuing cover basis, we will renew your policy each year for another 12 months and continue to take payment (including any premium adjustment shown in your renewal invitation) using your existing arrangement, unless you tell us otherwise or if your risk changes. If your policy schedule does not show that the policy is ona continuing cover basis, cover will cease at the end of the period of insurance, unless you renew your policy with us. We will provide you witha statement of fact each year and provided that the information contained within the statement of fact is true, complete and accurate, you do not need to provide us with any further information. If any of the information in your statement of fact is not true, complete and accurate, you must let us know. If you do not let us know, it may affect the validity of the policy or our ability to pay a claim. Retroactive dates, geographical and jurisdiction limits Where any section of your policy schedule includes a retroactive date, we will not make any payment for any claim or loss under that section which arises from any activity performed or any act, incident or occurrence taking place, before the retroactive date. Where any section of your policy schedule shows the geographical limits which apply to that section of the policy, we will only pay for claims and losses under that section which arise from activities performed or acts, incidents or occurrences taking place within those geographical limits. Where any section provides cover in respect of your liability to third parties, we will only cover claims first made ina country within the applicable courts stated in that section of your policy schedule. Hiscox Business Insurance Policy summary JAC-PSC-UK-DC556(5.4) 17431b 07/20 Cancellation rights You can cancel this policy by giving us 30 days' notice. You will only be charged for the premiums due up to the date of cancellation. If we need to cancel the policy, we’ll give you 30 days’ notice in writing and refund any surplus premiums you might have paid. Please note – we may deduct an administration fee from any refunded payment.There is an exception to our 30-day notice period, which is triggered when we don’t receive your Direct Debit payments within the agreed 14-day period. At this point, we will contact you as soon as possible and stop the policyPage / 2 immediately. Underwritten by:Hiscox Underwriting Ltd on behalf of the insurers named in the schedule. Page / 1 Certificate of professional indemnity insurance Alexander 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:einwbnd Name of policy holder:Alexander Inc Period of insurance: From 07 September, 2022 to 29 September, 2024 both days inclusive. This policy isa Continuing cover policy Insurer: Hiscox Insurance Company Limited Retroactive date: Wed 07 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: 07 September, 2022 Insurance details Policy number: einwbnd Period of insurance: From 07 September, 2022 to 29 September, 2024 both days inclusive. This policy isa Continuing cover policy. Insured: Alexander Inc Address: Studio 1 Keith crescent East Shaunberg FARNHAM CB4 0RU Additional insureds: None Business: Management Consultants Premium details Charged premium – the total amount you’ll pay for this policy. Charged premium: £5,088.51 Insurance Premium Tax (IPT): £5,933.61 Total charged premium: £885.25 Annualised premium – the annual premium for this policy. This is given for comparison purposes. Please refer to the charged premium section for the amount you’ll pay for the policy. Annual premium: £5,088.51 Insurance Premium Tax (IPT): £5,933.61 Annual total: £885.25 Please note that there will be no refund or additional premium for any transaction which is less than £20 (excluding IPT). Hiscox Business Insurance Policy Schedule 14502 10/18 Summary Claims information If you need to make a claim: - For claims relating to your building or contents please contact our claims team on 0800 247 1902, 9.00am – 5:30pm Monday to Friday. If you wish to make a claim online, you can log most claims quickly and easily through our claims notification portal at https://claims.hiscox.co.uk/. Outside of normal business hours, if you require emergency assistance in relation to substantial damage to your property, you can speak to our 24-hour emergency assistance team using the telephone number above. Your policy schedule will state if property cover is included in your policy. Our out-of-hours emergency assistance team operate ona pay-and-claim basis and you will need to have credit card details available as appropriate. The team will then be able to direct you to essential tradesmen, emergency loss adjusters or disaster management companies in the event of substantial damage. - If there isa claim (or potential claim) against you bya third party, please email us at liability.claims@hiscox.com. If you need to speak to a member of the claims team urgently, please call our team on 0800 711 7156, 9.00am – 5:30pm Monday to Friday. If you wish to make a claim online, you can log most claims quickly and easily through our claims notification portal at https://claims.hiscox.co.uk/. You will need to provide your full name and contact details, the name of your business or organisation, your address and postcode, the policy reference and circumstances of the claim. The Important information and contact details section below contains additional information specific to the covers applicable to your policy. If you are unsure of who to contact please call our team on 0800 711 7156, 9.00am – 5:30pm Monday to Friday. They will ensure you get through to the correct claims team and let you know what actions you need to take. If anything happens that might be covered under the policy, you must comply with the obligations set out in General claims conditions, together with the obligations set out under Your obligations in the section or sections under which you are making the claim. Itis important that you read the policy for details of its terms in full. Your covers This isa summary of each section of your policy. See each section for cover details. Cover Insurance amount Excess Annual Premium (exc IPT) Professional indemnity £1,000,000 £1,000 £9,499.64 Legal protection £100,000 £0 £2,078.38 Crisis containment £25,000 - £0.00 The figures above are in summary only and are not in addition to the amount insured specified against each cover section below. Hiscox Business Insurance Policy Schedule 14502 10/18 SECTION: PROFESSIONAL INDEMNITY – MANAGEMENT CONSULTANTS Cover start date: 07 September, 2022 Limit of indemnity £1,000,000 Limit applies to in the aggregate, including all costs Excess £1,000 Excess applies to each and every claim or loss, including all costs Geographical limits Worldwide Applicable courts Worldwide (excluding United States of America and Canada) Claims brought in USA or Canada Not covered Additional covers (in addition to overall limit of indemnity stated above) Cover Limit of indemnity Limit applies to Court attendance compensation - employees £250 per person, per day Court attendance compensation - directors and partners£500 per person, per day Court attendance compensation: in total £100,000 in the aggregate Special limits (included within not in addition to the overall limit of indemnity stated above) Cover Limit of indemnity Limit applies to Personal data claims £250,000 in the aggregate, including all costs Business activities Business managementPage / 2 consultant Retroactive date Wed 07 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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einwbnd
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07 September, 2022
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Business
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2024-02-05
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hiscox-business-2
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Hiscox Business Insurance - Policy number - BK5EO/A8LGN Company name: Edwards, Green and Sanderson It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : BK5EO/A8LGN. Company name: Edwards, Green and Sanderson. Your Hiscox Insurance premium. Last year’s annual premium: This year’s annual premium. £ 5,523.22. £ 5,523.22. The premium includes all applicable insurance premium tax (IPT). Dear Dr Neil Briggs. Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 31/01/23 . 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. £5,342.76. £5,342.76. Legal protection. £5,321.04. £5,321.04. 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 Edwards, Green and Sanderson , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay. . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover. Policy summary for each cover. ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover . As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before 31/01/23 . 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 : BK5EO/A8LGN Company name: Edwards, Green and Sanderson . It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : BK5EO/A8LGN Company name: Edwards, Green and Sanderson . Your Hiscox Insurance premium Last year’s annual premium: This year’s annual premium The premium includes all applicable insurance premium tax (IPT). £ 5,523.22 £ 5,523.22 . Your Hiscox Insurance premium . Last year’s annual premium: This year’s annual premium £ 5,523.22 £ 5,523.22 . The premium includes all applicable insurance premium tax (IPT). Dear Dr Neil Briggs . Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 31/01/23 . 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 £5,342.76 £5,342.76 Legal protection £5,321.04 £5,321.04 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 Edwards, Green and Sanderson , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover Policy summary for each cover ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before 31/01/23 . 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 31/01/23 . 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 £5,342.76 £5,342.76 Legal protection £5,321.04 £5,321.04 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 Edwards, Green and Sanderson , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover Policy summary for each cover ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before 31/01/23 . 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) £5,342.76 £5,321.04 £0.00 . This year’s annual Premium (exc IPT) £5,342.76 £5,321.04 . Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) . Professional indemnity £5,342.76 £5,342.76 . Legal protection £5,321.04 £5,321.04 . 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: Neil Briggs Frequency of collection: Annual Sort code: %BANK_SORT_CODE_1% Account number: %BANK_ACCOUNT_NUMBER_1% Your Direct Debit schedule We will take payments on the dates outlined below: Date Amount 05/10/2020 £5,523.22 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: BK5EO/A8LGN If you have any questions about your policy or payments, please call us on 0800 280 0351. We’re here between 8:30am - 5:30pm Monday to Friday or you can email us at service@hiscox.co.uk. Using your personal information Hiscox isa trading name ofa number of Hiscox companies. The specific company acting asa data controller of your personal information will be listed in the documentation we provide to you. If you are unsure you can also contact us at anytime by telephoning 01904 681198 or by emailing us at dataprotectionofficer@hiscox.com. We collect and process information about you in order to provide insurance policies and to process claims. Your information is also used for business purposes such as fraud prevention and detection and financial management. This may involve sharing your information with, and obtaining information about you from, our group companies and third parties such as brokers, loss adjusters, credit reference agencies, service providers, professional advisors, our regulators or fraud prevention agencies. We may record telephone calls to help us monitor and improve the service we provide. For further information on how your information is used and your rights in relation to your information please see our privacy policy at www.hiscox.co.uk/cookies-privacy. The Direct Debit Guarantee This Guarantee is offered by all banks and building societies that accept instructions to pay Direct Debits. If there are any changes to the amount, date or frequency of your Direct Debit Hiscox Underwriting Ltd will notify you ten working days in advance of your account being debited or as otherwise agreed. If you request Hiscox Underwriting Ltd to collect a payment, confirmation of the amount and date will be given to you at the time of the request. If an error is made in the payment of your Direct Debit by Hiscox Underwriting Ltd or your bank or building society you are entitled to a full and immediate refund of the amount paid from your bank or building society. – If you receive a refund you are not entitled to, you must pay it back when Hiscox Underwriting Ltd asks you to. You can cancel a Direct Debit at anytime by simply contacting your bank or building society. Written confirmation maybe required. Please also notify us. Page / 1 Hiscox Business Insurance Policy summary JAC-PSC-UK-DC556(5.4) 17431b 07/20 Your Hiscox Business Insurance policy summaries This document contains the summaries for any policy covers you have selected to protect your business. These summaries outline the key information about your policies so you can be confident that you have understood what you have bought and what you are covered for. However, you should carefully read your policy in full and ensure that you understand its terms and conditions in full. If you have any queries, you should contact Hiscox or your insurance advisor. Your side of the bargain Remember, your premium and insurance are based on the details you have provided to us. Please make sure this information accurately reflects your business and that you inform us immediately if anything needs to change. Please also tell us of any changes in circumstances that may affect the services provided by us or the cover provided by your policy. This is particularly important before taking out a policy, but it also applies throughout the life of the policy too. You need to consider: ■if you fail to fairly present the risk to us, including by failing to disclose any information material to the insurance, you could invalidate the policy, claims may not be paid or the amount we pay maybe reduced; ■you should read and check all insurance documents to ensure that you are aware of the cover, limits and other terms that apply; ■if you fail to let us know of any changes to your circumstances during the period of insurance or, if when telling us about such changes you fail to present the risk to us fairly, you could invalidate the policy, claims may not be paid or the amount we pay maybe reduced; ■please be aware of all terms and conditions of your policy because failure to comply with them could invalidate it or result in us not paying a claim or reducing the amount we pay; ■in the event ofa claim, you should take note of the required procedures, such as giving Hiscox prompt notice of the claims, as stated in the policy documentation. In particular, if you fail to notify us when you first become aware ofa shortcoming, fact, or problem, admit you are liable for what has happened or appoint solicitors or other legal representation without our prior written approval, claims or defence costs may not be paid or the amount we pay maybe reduced; ■as with any insurance, you have an obligation to take reasonable steps to mitigate any loss or liability; ■if you make a fraudulent claim or try to deceive us, we may terminate the policy. Policy length The period of insurance is shown on your policy schedule. Your policy schedule will also show if the policy is ona continuing cover basis. If itis ona continuing cover basis, we will renew your policy each year for another 12 months and continue to take payment (including any premium adjustment shown in your renewal invitation) using your existing arrangement, unless you tell us otherwise or if your risk changes. If your policy schedule does not show that the policy is ona continuing cover basis, cover will cease at the end of the period of insurance, unless you renew your policy with us. We will provide you witha statement of fact each year and provided that the information contained within the statement of fact is true, complete and accurate, you do not need to provide us with any further information. If any of the information in your statement of fact is not true, complete and accurate, you must let us know. If you do not let us know, it may affect the validity of the policy or our ability to pay a claim. Retroactive dates, geographical and jurisdiction limits Where any section of your policy schedule includes a retroactive date, we will not make any payment for any claim or loss under that section which arises from any activity performed or any act, incident or occurrence taking place, before the retroactive date. Where any section of your policy schedule shows the geographical limits which apply to that section of the policy, we will only pay for claims and losses under that section which arise from activities performed or acts, incidents or occurrences taking place within those geographical limits. Where any section provides cover in respect of your liability to third parties, we will only cover claims first made ina country within the applicable courts stated in that section of your policy schedule. Hiscox Business Insurance Policy summary JAC-PSC-UK-DC556(5.4) 17431b 07/20 Cancellation rights You can cancel this policy by giving us 30 days' notice. You will only be charged for the premiums due up to the date of cancellation. If we need to cancel the policy, we’ll give you 30 days’ notice in writing and refund any surplus premiums you might have paid. Please note – we may deduct an administration fee from any refunded payment.There is an exception to our 30-day notice period, which is triggered when we don’t receive your Direct Debit payments within the agreed 14-day period. At this point, we will contact you as soon as possible and stop the policyPage / 2 immediately. Underwritten by:Hiscox Underwriting Ltd on behalf of the insurers named in the schedule. Page / 1 Certificate of professional indemnity insurance Edwards, Green and Sanderson Hiscox Underwriting Ltd of 1 Great St. Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Certificate of professional indemnity Insurance Policy number:BK5EO/A8LGN Name of policy holder:Edwards, Green and Sanderson Period of insurance: From 31/01/23 to 12/11/20 both days inclusive. This policy isa Continuing cover policy Insurer: Hiscox Insurance Company Limited Retroactive date: 26/12/19 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: 31/01/23 Insurance details Policy number: BK5EO/A8LGN Period of insurance: From 31/01/23 to 12/11/20 both days inclusive. This policy isa Continuing cover policy. Insured: Edwards, Green and Sanderson Address: Flat 32 Janice parkways Damienstad FARNHAM WA9 3FT Additional insureds: None Business: Management Consultants Premium details Charged premium – the total amount you’ll pay for this policy. Charged premium: £4,536.87 Insurance Premium Tax (IPT): £4,747.89 Total charged premium: £5,523.22 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: £4,536.87 Insurance Premium Tax (IPT): £4,747.89 Annual total: £5,523.22 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 £5,342.76 Legal protection £100,000 £0 £5,321.04 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: 31/01/23 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 26/12/19 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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BK5EO/A8LGN
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(?<=Policy number - )[-\w_\/\.]+?(?= Company name)
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31/01/23
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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 - xxligictl Company name: Miller, Walters and Morgan It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : xxligictl. Company name: Miller, Walters and Morgan. Your Hiscox Insurance premium. Last year’s annual premium: This year’s annual premium. £ 4,911.83. £ 4,911.83. The premium includes all applicable insurance premium tax (IPT). Dear Mrs Miss Joanna Smith. Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 2023-11-25 . 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. £5,377.75. £5,377.75. Legal protection. £8,018.60. £8,018.60. Crisis containment. £0.00. Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy . Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government increase in Insurance Premium Tax as shown. Is our information correct? Your premium and cover are based on what you’ve told us about Miller, Walters and Morgan , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay. . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover. Policy summary for each cover. ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover . As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before 2023-11-25 . 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 : xxligictl Company name: Miller, Walters and Morgan . It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : xxligictl Company name: Miller, Walters and Morgan . Your Hiscox Insurance premium Last year’s annual premium: This year’s annual premium The premium includes all applicable insurance premium tax (IPT). £ 4,911.83 £ 4,911.83 . Your Hiscox Insurance premium . Last year’s annual premium: This year’s annual premium £ 4,911.83 £ 4,911.83 . The premium includes all applicable insurance premium tax (IPT). Dear Mrs Miss Joanna Smith . Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 2023-11-25 . 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 £5,377.75 £5,377.75 Legal protection £8,018.60 £8,018.60 Crisis containment £0.00 Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government increase in Insurance Premium Tax as shown. Is our information correct? Your premium and cover are based on what you’ve told us about Miller, Walters and Morgan , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover Policy summary for each cover ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before 2023-11-25 . 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 2023-11-25 . 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 £5,377.75 £5,377.75 Legal protection £8,018.60 £8,018.60 Crisis containment £0.00 Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government increase in Insurance Premium Tax as shown. Is our information correct? Your premium and cover are based on what you’ve told us about Miller, Walters and Morgan , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover Policy summary for each cover ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before 2023-11-25 . 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) £5,377.75 £8,018.60 £0.00 . This year’s annual Premium (exc IPT) £5,377.75 £8,018.60 . Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) . Professional indemnity £5,377.75 £5,377.75 . Legal protection £8,018.60 £8,018.60 . Crisis containment £0.00 . Kind regards Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre . Kind regards . Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave . To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre . Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Page / 1 Hiscox Business Insurance Policy wording 17431a - DC565 WORDING 04/17Guide to sectionsIntroduction Policy wordings General terms and conditions Professional indemnity for business management consultants Legal protection Crisis containment Hiscox Business Insurance Policy wording 17431a - DC565 WORDING 04/17IntroductionThank you for choosing Hiscox to protect your business. We hope that the language and layout of this policy wording are clear because we want you to understand the insurance we provide as well as the responsibilities we have to each other. Please read this document, including the policy schedule, policy summary and statement of fact, and let us know as soon as possible if any of the details are shown incorrectly. We always try to deliver to the highest standards of service. Your views are important to us, so if you feel that our service is below the standard you would expect from Hiscox, please contact us on the phone number shown in your policy schedule. Please note that some of the words we use in this insurance are shown in bold type. These words are defined in each section of the wording. Page / 1 Hiscox Insurance Payment schedule Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Thank you for continuing to pay for your policy by Direct Debit. Please check these details and let us know if anything is incorrect or if the schedule is not suitable. Your reference details Account holder name: Miss Joanna 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 08/05/24 £4,911.83 Where your chosen collection date falls ona non-working day then we will endeavour to collect the next working day. For your information, the collections will be made using the following reference number: Originator Identification Number: 293461 Reference Number: xxligictl If you have any questions about your policy or payments, please call us on 0800 280 0351. We’re here between 8:30am - 5:30pm Monday to Friday or you can email us at service@hiscox.co.uk. Using your personal information Hiscox isa trading name ofa number of Hiscox companies. The specific company acting asa data controller of your personal information will be listed in the documentation we provide to you. If you are unsure you can also contact us at anytime by telephoning 01904 681198 or by emailing us at dataprotectionofficer@hiscox.com. We collect and process information about you in order to provide insurance policies and to process claims. Your information is also used for business purposes such as fraud prevention and detection and financial management. This may involve sharing your information with, and obtaining information about you from, our group companies and third parties such as brokers, loss adjusters, credit reference agencies, service providers, professional advisors, our regulators or fraud prevention agencies. We may record telephone calls to help us monitor and improve the service we provide. For further information on how your information is used and your rights in relation to your information please see our privacy policy at www.hiscox.co.uk/cookies-privacy. The Direct Debit Guarantee This Guarantee is offered by all banks and building societies that accept instructions to pay Direct Debits. If there are any changes to the amount, date or frequency of your Direct Debit Hiscox Underwriting Ltd will notify you ten working days in advance of your account being debited or as otherwise agreed. If you request Hiscox Underwriting Ltd to collect a payment, confirmation of the amount and date will be given to you at the time of the request. If an error is made in the payment of your Direct Debit by Hiscox Underwriting Ltd or your bank or building society you are entitled to a full and immediate refund of the amount paid from your bank or building society. – If you receive a refund you are not entitled to, you must pay it back when Hiscox Underwriting Ltd asks you to. You can cancel a Direct Debit at anytime by simply contacting your bank or building society. Written confirmation maybe required. Please also notify us. Page / 1 Hiscox Business Insurance Policy summary JAC-PSC-UK-DC556(5.4) 17431b 07/20 Your Hiscox Business Insurance policy summaries This document contains the summaries for any policy covers you have selected to protect your business. These summaries outline the key information about your policies so you can be confident that you have understood what you have bought and what you are covered for. However, you should carefully read your policy in full and ensure that you understand its terms and conditions in full. If you have any queries, you should contact Hiscox or your insurance advisor. Your side of the bargain Remember, your premium and insurance are based on the details you have provided to us. Please make sure this information accurately reflects your business and that you inform us immediately if anything needs to change. Please also tell us of any changes in circumstances that may affect the services provided by us or the cover provided by your policy. This is particularly important before taking out a policy, but it also applies throughout the life of the policy too. You need to consider: ■if you fail to fairly present the risk to us, including by failing to disclose any information material to the insurance, you could invalidate the policy, claims may not be paid or the amount we pay maybe reduced; ■you should read and check all insurance documents to ensure that you are aware of the cover, limits and other terms that apply; ■if you fail to let us know of any changes to your circumstances during the period of insurance or, if when telling us about such changes you fail to present the risk to us fairly, you could invalidate the policy, claims may not be paid or the amount we pay maybe reduced; ■please be aware of all terms and conditions of your policy because failure to comply with them could invalidate it or result in us not paying a claim or reducing the amount we pay; ■in the event ofa claim, you should take note of the required procedures, such as giving Hiscox prompt notice of the claims, as stated in the policy documentation. In particular, if you fail to notify us when you first become aware ofa shortcoming, fact, or problem, admit you are liable for what has happened or appoint solicitors or other legal representation without our prior written approval, claims or defence costs may not be paid or the amount we pay maybe reduced; ■as with any insurance, you have an obligation to take reasonable steps to mitigate any loss or liability; ■if you make a fraudulent claim or try to deceive us, we may terminate the policy. Policy length The period of insurance is shown on your policy schedule. Your policy schedule will also show if the policy is ona continuing cover basis. If itis ona continuing cover basis, we will renew your policy each year for another 12 months and continue to take payment (including any premium adjustment shown in your renewal invitation) using your existing arrangement, unless you tell us otherwise or if your risk changes. If your policy schedule does not show that the policy is ona continuing cover basis, cover will cease at the end of the period of insurance, unless you renew your policy with us. We will provide you witha statement of fact each year and provided that the information contained within the statement of fact is true, complete and accurate, you do not need to provide us with any further information. If any of the information in your statement of fact is not true, complete and accurate, you must let us know. If you do not let us know, it may affect the validity of the policy or our ability to pay a claim. Retroactive dates, geographical and jurisdiction limits Where any section of your policy schedule includes a retroactive date, we will not make any payment for any claim or loss under that section which arises from any activity performed or any act, incident or occurrence taking place, before the retroactive date. Where any section of your policy schedule shows the geographical limits which apply to that section of the policy, we will only pay for claims and losses under that section which arise from activities performed or acts, incidents or occurrences taking place within those geographical limits. Where any section provides cover in respect of your liability to third parties, we will only cover claims first made ina country within the applicable courts stated in that section of your policy schedule. Hiscox Business Insurance Policy summary JAC-PSC-UK-DC556(5.4) 17431b 07/20 Cancellation rights You can cancel this policy by giving us 30 days' notice. You will only be charged for the premiums due up to the date of cancellation. If we need to cancel the policy, we’ll give you 30 days’ notice in writing and refund any surplus premiums you might have paid. Please note – we may deduct an administration fee from any refunded payment.There is an exception to our 30-day notice period, which is triggered when we don’t receive your Direct Debit payments within the agreed 14-day period. At this point, we will contact you as soon as possible and stop the 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, Walters and Morgan Hiscox Underwriting Ltd of 1 Great St. Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Certificate of professional indemnity Insurance Policy number:xxligictl Name of policy holder:Miller, Walters and Morgan Period of insurance: From 2023-11-25 to 18/03/2021 both days inclusive. This policy isa Continuing cover policy Insurer: Hiscox Insurance Company Limited Retroactive date: 19 February, 2020 Level of cover:£1,000,000 Signed on behalf of Hiscox Underwriting Limited as agent for the insurers Jon Dye CEO, Hiscox UK Notes: (a) This insurance is subject to policy terms and conditions and any special terms notified to the InsuredPage / 1 Hiscox Business Insurance Policy Schedule 14502 10/18 This schedule tells you what is insured with us. It should be read carefully with your policy wording(s) and statement of fact detailed elsewhere in this document. Schedule effective date: 2023-11-25 Insurance details Policy number: xxligictl Period of insurance: From 2023-11-25 to 18/03/2021 both days inclusive. This policy isa Continuing cover policy. Insured: Miller, Walters and Morgan Address: 17 Stephanie light Andreaborough FARNHAM KT9M 1HR Additional insureds: None Business: Management Consultants Premium details Charged premium – the total amount you’ll pay for this policy. Charged premium: £3,436.35 Insurance Premium Tax (IPT): £5,138.63 Total charged premium: £4,911.83 Annualised premium – the annual premium for this policy. This is given for comparison purposes. Please refer to the charged premium section for the amount you’ll pay for the policy. Annual premium: £3,436.35 Insurance Premium Tax (IPT): £5,138.63 Annual total: £4,911.83 Please note that there will be no refund or additional premium for any transaction which is less than £20 (excluding IPT). Hiscox Business Insurance Policy Schedule 14502 10/18 Summary Claims information If you need to make a claim: - For claims relating to your building or contents please contact our claims team on 0800 247 1902, 9.00am – 5:30pm Monday to Friday. If you wish to make a claim online, you can log most claims quickly and easily through our claims notification portal at https://claims.hiscox.co.uk/. Outside of normal business hours, if you require emergency assistance in relation to substantial damage to your property, you can speak to our 24-hour emergency assistance team using the telephone number above. Your policy schedule will state if property cover is included in your policy. Our out-of-hours emergency assistance team operate ona pay-and-claim basis and you will need to have credit card details available as appropriate. The team will then be able to direct you to essential tradesmen, emergency loss adjusters or disaster management companies in the event of substantial damage. - If there isa claim (or potential claim) against you bya third party, please email us at liability.claims@hiscox.com. If you need to speak to a member of the claims team urgently, please call our team on 0800 711 7156, 9.00am – 5:30pm Monday to Friday. If you wish to make a claim online, you can log most claims quickly and easily through our claims notification portal at https://claims.hiscox.co.uk/. You will need to provide your full name and contact details, the name of your business or organisation, your address and postcode, the policy reference and circumstances of the claim. The Important information and contact details section below contains additional information specific to the covers applicable to your policy. If you are unsure of who to contact please call our team on 0800 711 7156, 9.00am – 5:30pm Monday to Friday. They will ensure you get through to the correct claims team and let you know what actions you need to take. If anything happens that might be covered under the policy, you must comply with the obligations set out in General claims conditions, together with the obligations set out under Your obligations in the section or sections under which you are making the claim. Itis important that you read the policy for details of its terms in full. Your covers This isa summary of each section of your policy. See each section for cover details. Cover Insurance amount Excess Annual Premium (exc IPT) Professional indemnity £1,000,000 £1,000 £5,377.75 Legal protection £100,000 £0 £8,018.60 Crisis containment £25,000 - £0.00 The figures above are in summary only and are not in addition to the amount insured specified against each cover section below. Hiscox Business Insurance Policy Schedule 14502 10/18 SECTION: PROFESSIONAL INDEMNITY – MANAGEMENT CONSULTANTS Cover start date: 2023-11-25 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 19 February, 2020 Insurer Hiscox Insurance Company LimitedPage / 1 Hiscox Insurance Summary of change Introduction This document has been created to help you understand the key changes to your Hiscox Insurance policy and how they may impact you. Your policy continues to offer professional, tailored insurance to protect you and give you peace of mind that if you need us, you will be supported by our award winning claims team. If you have a query not covered by this document, or if you have any questions or concerns about your policy you should contact us. Frequently asked questions What if my circumstances change during the period of insurance? If your circumstances change during the period of insurance, you only need to let us know if the change means that any of the information in the Statement of Fact is no longer true, complete and accurate. If there are no such changes, you do not need to let us know. If any of the information within the Statement of Fact becomes no longer complete, true or accurate at any point during the period of insurance you must tell us as it may affect the validity of the policy or our ability to pay a claim. Additionally, if your contact details change then you should let us know straightaway. Where doI find the limits that apply to my policy? You can find your maximum allowable limits for turnover and wage rollin your Statement of Fact. You must check this information and tell us or your broker if you expect to exceed the maximum amounts shown. Please note these values may have changed. If there are special limits or special excesses applying to particular covers or types of losses these will be shown in the policy schedule. Please check your policy schedule carefully as they may have changed. My new schedule shows a different premium to last year? What has changed? If an underwriter has reviewed your policy then they may have manually adjusted your premium, for example if you’ve had claims in the last 12 months. Where doI find out about any endorsements on my policy? You will be able to see if an endorsement has been applied or removed by reviewing your Policy Schedule. If you have any queries or concerns, please contact us or your broker if you have one. Hiscox Insurance Summary of change Professional indemnity for business management consultants Summary of change Changes to the cover The following table shows the differences between our new policy wordings (5570 WD- PROF-UK-MAN(7), 15579 WD-PROF-UK-MAN-AG(3)) and our previous wordings (5570 WD-PROF-UK-MAN(6), 15579 WD-PROF-UK-MAN-AG(2)). This isa summary of the changes only. You should refer to the schedule and policy wording for the full description of the cover in place. Area of cover Previous policy New policy Improvement in cover Claims against you Advertising claims. We will pay claims arising from your advertising or branding for defamation or infringement of copyright or moral rights. This does not include claims for passing off, unauthorised use of trademarks or false or misleading advertising. Previously cover was not restricted to defamation or the infringement of copyright or moral rights.Covered Amended Your own lossesChanges to ‘what is covered’ Losses from dishonesty. Your losses arising from the dishonesty of your employees, sub-contractors or outsourcers.Covered Not covered Area of cover Previous policy New policy Improvement in cover Cyber incident. We will not pay claims relating to an actual or possible cyber attack, hacker or social engineering communication. Previously we excluded any virus not specifically targeted at your system.Covered Not covered Computer or digital technology error. We will not pay claims arising from any negligent act, error or omission in the operation or maintenance of computer or digital technology such as development, installation, patching or upgrading.Covered Not coveredChanges to ‘what is not covered’ Infrastructure. We will not pay claims arising from the failure of the service provided by internet, telecommunications, utilities or other infrastructure providers.Covered Not covered Hiscox Insurance Summary of change Personal data. We will not pay claims relating to personal data. We will pay such claims where they arise from your performance ofa business activity and which is not otherwise excluded. Subject to the limit shown in the schedule.Covered Not covered Other important changes Control of defence. Under the previous wording we had a duty to defend you against any covered claim brought against you. We now have the right but not the obligation to take control of the conduct of the claim including the appointment of legal representation. Please refer to the policy wording for full details. SOC-PROF-UK-MAN(1) 21367 01/21
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xxligictl
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(?<=Policy number - )[-\w_\/\.]+?(?= Company name)
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2023-11-25
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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 - jlmxqvzht Company name: Baker-Smith It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : jlmxqvzht. Company name: Baker-Smith. Your Hiscox Insurance premium. Last year’s annual premium: This year’s annual premium. £ 2,768.17. £ 2,768.17. The premium includes all applicable insurance premium tax (IPT). Dear Dr Charles Fox. Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on Sunday 29 December, 2024 . Good news; if you want cover to continue with us and to make sure you stay protected by our award-winning cover, you do not need to do anything. We will update your policy onto our latest wording and continue to collect payment using the payment details we have for you. You must read the important information contained in this email and the attached documents. Your Hiscox Insurance Premium breakdown. The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). The amount shown as last year’s Annual premium will take into account any changes to the cover which may have been made during the last policy period. Cover. Last year’s annual premium (exc IPT). This year’s annual Premium (exc IPT). Professional indemnity. £8,017.03. £8,017.03. Legal protection. £3,557.85. £3,557.85. 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 Baker-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 Sunday 29 December, 2024 . We’re here between 8:30am - 5:30pm Monday to Friday . Please note that we can only discuss policy changes with people named on the policy. Why renew with Hiscox. - Reassuring: we offer a range of cover options that can be tailored to your needs. - Flexible: we offer full flexibility to change your policy, with no administration fees . - Award-winning cover : we’ve been named Best Small Business Insurer 7 years running by Start Your Business Magazine . Please click this link for the Hiscox Referral Portal: https://refer.aklamio.com/hiscox/uk?source=postpurchase. Thank you again for choosing Hiscox to insure your business. We hope you and your business have a very successful year. Kind regards. Jon Dye. CEO, Hiscox UK. Business Insurance for the small and the brave. To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre. Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. This email and any files transmitted with it are confidential and intended solely for the use of the individual or entity to whom they are addressed. No one else is authorised to distribute, forward, print, copy or act upon any information contained in this email. If you have received this email in error, please notify the sender. Hiscox Syndicates Limited and Hiscox Insurance Company Limited are authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Hiscox Underwriting Limited, Hiscox Underwriting Services Ltd, Hiscox MGA Ltd and Hiscox ASM Ltd are authorised and regulated by the Financial Conduct Authority. Hiscox Assure SAS is duly registered as an insurance broker with the ORIAS, which is the French Official Registry of Insurance Intermediaries. Hiscox plc is a company registered in England and Wales under company registration number 2837811 and registered office at 1 Great St Helen's, London EC3A 6HX. Hiscox SA is a company registered in Luxembourg at 35 Avenue John F. Kennedy 35F, Luxembourg L-1855, and is authorised by the Commissariat aux Assurances de Luxembourg. It’s time to renew your Hiscox Business Insurance Hiscox Insurance policy number : jlmxqvzht Company name: Baker-Smith . It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : jlmxqvzht Company name: Baker-Smith . Your Hiscox Insurance premium Last year’s annual premium: This year’s annual premium The premium includes all applicable insurance premium tax (IPT). £ 2,768.17 £ 2,768.17 . Your Hiscox Insurance premium . Last year’s annual premium: This year’s annual premium £ 2,768.17 £ 2,768.17 . The premium includes all applicable insurance premium tax (IPT). Dear Dr Charles Fox . Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on Sunday 29 December, 2024 . Good news; if you want cover to continue with us and to make sure you stay protected by our award-winning cover, you do not need to do anything. We will update your policy onto our latest wording and continue to collect payment using the payment details we have for you. You must read the important information contained in this email and the attached documents Your Hiscox Insurance Premium breakdown The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). The amount shown as last year’s Annual premium will take into account any changes to the cover which may have been made during the last policy period. Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) Professional indemnity £8,017.03 £8,017.03 Legal protection £3,557.85 £3,557.85 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 Baker-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 Sunday 29 December, 2024 . We’re here between 8:30am - 5:30pm Monday to Friday . Please note that we can only discuss policy changes with people named on the policy. Why renew with Hiscox - Reassuring: we offer a range of cover options that can be tailored to your needs - Flexible: we offer full flexibility to change your policy, with no administration fees - Award-winning cover : we’ve been named Best Small Business Insurer 7 years running by Start Your Business Magazine Please click this link for the Hiscox Referral Portal: https://refer.aklamio.com/hiscox/uk?source=postpurchase Thank you again for choosing Hiscox to insure your business. We hope you and your business have a very successful year. Kind regards Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on Sunday 29 December, 2024 . Good news; if you want cover to continue with us and to make sure you stay protected by our award-winning cover, you do not need to do anything. We will update your policy onto our latest wording and continue to collect payment using the payment details we have for you. You must read the important information contained in this email and the attached documents Your Hiscox Insurance Premium breakdown The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). The amount shown as last year’s Annual premium will take into account any changes to the cover which may have been made during the last policy period. Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) Professional indemnity £8,017.03 £8,017.03 Legal protection £3,557.85 £3,557.85 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 Baker-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 Sunday 29 December, 2024 . We’re here between 8:30am - 5:30pm Monday to Friday . Please note that we can only discuss policy changes with people named on the policy. Why renew with Hiscox - Reassuring: we offer a range of cover options that can be tailored to your needs - Flexible: we offer full flexibility to change your policy, with no administration fees - Award-winning cover : we’ve been named Best Small Business Insurer 7 years running by Start Your Business Magazine Please click this link for the Hiscox Referral Portal: https://refer.aklamio.com/hiscox/uk?source=postpurchase Thank you again for choosing Hiscox to insure your business. We hope you and your business have a very successful year. Kind regards Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Your Hiscox Insurance Premium breakdown The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). Cover Professional indemnity Legal protection Crisis containment . Last year’s annual premium (exc IPT) £8,017.03 £3,557.85 £0.00 . This year’s annual Premium (exc IPT) £8,017.03 £3,557.85 . Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) . Professional indemnity £8,017.03 £8,017.03 . Legal protection £3,557.85 £3,557.85 . 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: Charles Fox Frequency of collection: Annual Sort code: %BANK_SORT_CODE_1% Account number: %BANK_ACCOUNT_NUMBER_1% Your Direct Debit schedule We will take payments on the dates outlined below: Date Amount 21 April, 2025 £2,768.17 Where your chosen collection date falls ona non-working day then we will endeavour to collect the next working day. For your information, the collections will be made using the following reference number: Originator Identification Number: 293461 Reference Number: jlmxqvzht If you have any questions about your policy or payments, please call us on 0800 280 0351. We’re here between 8:30am - 5:30pm Monday to Friday or you can email us at service@hiscox.co.uk. Using your personal information Hiscox isa trading name ofa number of Hiscox companies. The specific company acting asa data controller of your personal information will be listed in the documentation we provide to you. If you are unsure you can also contact us at anytime by telephoning 01904 681198 or by emailing us at dataprotectionofficer@hiscox.com. We collect and process information about you in order to provide insurance policies and to process claims. Your information is also used for business purposes such as fraud prevention and detection and financial management. This may involve sharing your information with, and obtaining information about you from, our group companies and third parties such as brokers, loss adjusters, credit reference agencies, service providers, professional advisors, our regulators or fraud prevention agencies. We may record telephone calls to help us monitor and improve the service we provide. For further information on how your information is used and your rights in relation to your information please see our privacy policy at www.hiscox.co.uk/cookies-privacy. The Direct Debit Guarantee This Guarantee is offered by all banks and building societies that accept instructions to pay Direct Debits. If there are any changes to the amount, date or frequency of your Direct Debit Hiscox Underwriting Ltd will notify you ten working days in advance of your account being debited or as otherwise agreed. If you request Hiscox Underwriting Ltd to collect a payment, confirmation of the amount and date will be given to you at the time of the request. If an error is made in the payment of your Direct Debit by Hiscox Underwriting Ltd or your bank or building society you are entitled to a full and immediate refund of the amount paid from your bank or building society. – If you receive a refund you are not entitled to, you must pay it back when Hiscox Underwriting Ltd asks you to. You can cancel a Direct Debit at anytime by simply contacting your bank or building society. Written confirmation maybe required. Please also notify us. Page / 1 Hiscox Business Insurance Policy summary JAC-PSC-UK-DC556(5.4) 17431b 07/20 Your Hiscox Business Insurance policy summaries This document contains the summaries for any policy covers you have selected to protect your business. These summaries outline the key information about your policies so you can be confident that you have understood what you have bought and what you are covered for. However, you should carefully read your policy in full and ensure that you understand its terms and conditions in full. If you have any queries, you should contact Hiscox or your insurance advisor. Your side of the bargain Remember, your premium and insurance are based on the details you have provided to us. Please make sure this information accurately reflects your business and that you inform us immediately if anything needs to change. Please also tell us of any changes in circumstances that may affect the services provided by us or the cover provided by your policy. This is particularly important before taking out a policy, but it also applies throughout the life of the policy too. You need to consider: ■if you fail to fairly present the risk to us, including by failing to disclose any information material to the insurance, you could invalidate the policy, claims may not be paid or the amount we pay maybe reduced; ■you should read and check all insurance documents to ensure that you are aware of the cover, limits and other terms that apply; ■if you fail to let us know of any changes to your circumstances during the period of insurance or, if when telling us about such changes you fail to present the risk to us fairly, you could invalidate the policy, claims may not be paid or the amount we pay maybe reduced; ■please be aware of all terms and conditions of your policy because failure to comply with them could invalidate it or result in us not paying a claim or reducing the amount we pay; ■in the event ofa claim, you should take note of the required procedures, such as giving Hiscox prompt notice of the claims, as stated in the policy documentation. In particular, if you fail to notify us when you first become aware ofa shortcoming, fact, or problem, admit you are liable for what has happened or appoint solicitors or other legal representation without our prior written approval, claims or defence costs may not be paid or the amount we pay maybe reduced; ■as with any insurance, you have an obligation to take reasonable steps to mitigate any loss or liability; ■if you make a fraudulent claim or try to deceive us, we may terminate the policy. Policy length The period of insurance is shown on your policy schedule. Your policy schedule will also show if the policy is ona continuing cover basis. If itis ona continuing cover basis, we will renew your policy each year for another 12 months and continue to take payment (including any premium adjustment shown in your renewal invitation) using your existing arrangement, unless you tell us otherwise or if your risk changes. If your policy schedule does not show that the policy is ona continuing cover basis, cover will cease at the end of the period of insurance, unless you renew your policy with us. We will provide you witha statement of fact each year and provided that the information contained within the statement of fact is true, complete and accurate, you do not need to provide us with any further information. If any of the information in your statement of fact is not true, complete and accurate, you must let us know. If you do not let us know, it may affect the validity of the policy or our ability to pay a claim. Retroactive dates, geographical and jurisdiction limits Where any section of your policy schedule includes a retroactive date, we will not make any payment for any claim or loss under that section which arises from any activity performed or any act, incident or occurrence taking place, before the retroactive date. Where any section of your policy schedule shows the geographical limits which apply to that section of the policy, we will only pay for claims and losses under that section which arise from activities performed or acts, incidents or occurrences taking place within those geographical limits. Where any section provides cover in respect of your liability to third parties, we will only cover claims first made ina country within the applicable courts stated in that section of your policy schedule. Hiscox Business Insurance Policy summary JAC-PSC-UK-DC556(5.4) 17431b 07/20 Cancellation rights You can cancel this policy by giving us 30 days' notice. You will only be charged for the premiums due up to the date of cancellation. If we need to cancel the policy, we’ll give you 30 days’ notice in writing and refund any surplus premiums you might have paid. Please note – we may deduct an administration fee from any refunded payment.There is an exception to our 30-day notice period, which is triggered when we don’t receive your Direct Debit payments within the agreed 14-day period. At this point, we will contact you as soon as possible and stop the policyPage / 2 immediately. Underwritten by:Hiscox Underwriting Ltd on behalf of the insurers named in the schedule. Page / 1 Certificate of professional indemnity insurance Baker-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:jlmxqvzht Name of policy holder:Baker-Smith Period of insurance: From Sunday 29 December, 2024 to Tuesday 21 October, 2025 both days inclusive. This policy isa Continuing cover policy Insurer: Hiscox Insurance Company Limited Retroactive date: 2019-12-22 Level of cover:£1,000,000 Signed on behalf of Hiscox Underwriting Limited as agent for the insurers Jon Dye CEO, Hiscox UK Notes: (a) This insurance is subject to policy terms and conditions and any special terms notified to the InsuredPage / 1 Hiscox Business Insurance Policy Schedule 14502 10/18 This schedule tells you what is insured with us. It should be read carefully with your policy wording(s) and statement of fact detailed elsewhere in this document. Schedule effective date: Sunday 29 December, 2024 Insurance details Policy number: jlmxqvzht Period of insurance: From Sunday 29 December, 2024 to Tuesday 21 October, 2025 both days inclusive. This policy isa Continuing cover policy. Insured: Baker-Smith Address: 4 Evans station Lake Clarechester FARNHAM KY84 9YY Additional insureds: None Business: Management Consultants Premium details Charged premium – the total amount you’ll pay for this policy. Charged premium: £3,516.64 Insurance Premium Tax (IPT): £8,967.12 Total charged premium: £2,768.17 Annualised premium – the annual premium for this policy. This is given for comparison purposes. Please refer to the charged premium section for the amount you’ll pay for the policy. Annual premium: £3,516.64 Insurance Premium Tax (IPT): £8,967.12 Annual total: £2,768.17 Please note that there will be no refund or additional premium for any transaction which is less than £20 (excluding IPT). Hiscox Business Insurance Policy Schedule 14502 10/18 Summary Claims information If you need to make a claim: - For claims relating to your building or contents please contact our claims team on 0800 247 1902, 9.00am – 5:30pm Monday to Friday. If you wish to make a claim online, you can log most claims quickly and easily through our claims notification portal at https://claims.hiscox.co.uk/. Outside of normal business hours, if you require emergency assistance in relation to substantial damage to your property, you can speak to our 24-hour emergency assistance team using the telephone number above. Your policy schedule will state if property cover is included in your policy. Our out-of-hours emergency assistance team operate ona pay-and-claim basis and you will need to have credit card details available as appropriate. The team will then be able to direct you to essential tradesmen, emergency loss adjusters or disaster management companies in the event of substantial damage. - If there isa claim (or potential claim) against you bya third party, please email us at liability.claims@hiscox.com. If you need to speak to a member of the claims team urgently, please call our team on 0800 711 7156, 9.00am – 5:30pm Monday to Friday. If you wish to make a claim online, you can log most claims quickly and easily through our claims notification portal at https://claims.hiscox.co.uk/. You will need to provide your full name and contact details, the name of your business or organisation, your address and postcode, the policy reference and circumstances of the claim. The Important information and contact details section below contains additional information specific to the covers applicable to your policy. If you are unsure of who to contact please call our team on 0800 711 7156, 9.00am – 5:30pm Monday to Friday. They will ensure you get through to the correct claims team and let you know what actions you need to take. If anything happens that might be covered under the policy, you must comply with the obligations set out in General claims conditions, together with the obligations set out under Your obligations in the section or sections under which you are making the claim. Itis important that you read the policy for details of its terms in full. Your covers This isa summary of each section of your policy. See each section for cover details. Cover Insurance amount Excess Annual Premium (exc IPT) Professional indemnity £1,000,000 £1,000 £8,017.03 Legal protection £100,000 £0 £3,557.85 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: Sunday 29 December, 2024 Limit of indemnity £1,000,000 Limit applies to in the aggregate, including all costs Excess £1,000 Excess applies to each and every claim or loss, including all costs Geographical limits Worldwide Applicable courts Worldwide (excluding United States of America and Canada) Claims brought in USA or Canada Not covered Additional covers (in addition to overall limit of indemnity stated above) Cover Limit of indemnity Limit applies to Court attendance compensation - employees £250 per person, per day Court attendance compensation - directors and partners£500 per person, per day Court attendance compensation: in total £100,000 in the aggregate Special limits (included within not in addition to the overall limit of indemnity stated above) Cover Limit of indemnity Limit applies to Personal data claims £250,000 in the aggregate, including all costs Business activities Business managementPage / 2 consultant Retroactive date 2019-12-22 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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(?<=Policy number - )[-\w_\/\.]+?(?= Company name)
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Sunday 29 December, 2024
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(?<=anniversary of your policy is approaching on )[-\w_\/\. ,]+?(?= \.)
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Business
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(?<=time to renew your Hiscox )[-\w_\/\. ]+?(?= Insurance)
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2024-02-05
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hiscox-business-2
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Hiscox Business Insurance - Policy number - FHVDBZ._MNKA Company name: Yates, Hill and Carter It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : FHVDBZ._MNKA. Company name: Yates, Hill and Carter. Your Hiscox Insurance premium. Last year’s annual premium: This year’s annual premium. £ 2,881.74. £ 2,881.74. The premium includes all applicable insurance premium tax (IPT). Dear Mrs Mr Justin Elliott. Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 2022-04-10 . Good news; if you want cover to continue with us and to make sure you stay protected by our award-winning cover, you do not need to do anything. We will update your policy onto our latest wording and continue to collect payment using the payment details we have for you. You must read the important information contained in this email and the attached documents. Your Hiscox Insurance Premium breakdown. The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). The amount shown as last year’s Annual premium will take into account any changes to the cover which may have been made during the last policy period. Cover. Last year’s annual premium (exc IPT). This year’s annual Premium (exc IPT). Professional indemnity. £6,348.75. £6,348.75. Legal protection. £8,845.33. £8,845.33. 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 Yates, Hill and Carter , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay. . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover. Policy summary for each cover. ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover . As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before 2022-04-10 . We’re here between 8:30am - 5:30pm Monday to Friday . Please note that we can only discuss policy changes with people named on the policy. Why renew with Hiscox. - Reassuring: we offer a range of cover options that can be tailored to your needs. - Flexible: we offer full flexibility to change your policy, with no administration fees . - Award-winning cover : we’ve been named Best Small Business Insurer 7 years running by Start Your Business Magazine . Please click this link for the Hiscox Referral Portal: https://refer.aklamio.com/hiscox/uk?source=postpurchase. Thank you again for choosing Hiscox to insure your business. We hope you and your business have a very successful year. Kind regards. Jon Dye. CEO, Hiscox UK. Business Insurance for the small and the brave. To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre. Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. This email and any files transmitted with it are confidential and intended solely for the use of the individual or entity to whom they are addressed. No one else is authorised to distribute, forward, print, copy or act upon any information contained in this email. If you have received this email in error, please notify the sender. Hiscox Syndicates Limited and Hiscox Insurance Company Limited are authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Hiscox Underwriting Limited, Hiscox Underwriting Services Ltd, Hiscox MGA Ltd and Hiscox ASM Ltd are authorised and regulated by the Financial Conduct Authority. Hiscox Assure SAS is duly registered as an insurance broker with the ORIAS, which is the French Official Registry of Insurance Intermediaries. Hiscox plc is a company registered in England and Wales under company registration number 2837811 and registered office at 1 Great St Helen's, London EC3A 6HX. Hiscox SA is a company registered in Luxembourg at 35 Avenue John F. Kennedy 35F, Luxembourg L-1855, and is authorised by the Commissariat aux Assurances de Luxembourg. It’s time to renew your Hiscox Business Insurance Hiscox Insurance policy number : FHVDBZ._MNKA Company name: Yates, Hill and Carter . It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : FHVDBZ._MNKA Company name: Yates, Hill and Carter . Your Hiscox Insurance premium Last year’s annual premium: This year’s annual premium The premium includes all applicable insurance premium tax (IPT). £ 2,881.74 £ 2,881.74 . Your Hiscox Insurance premium . Last year’s annual premium: This year’s annual premium £ 2,881.74 £ 2,881.74 . The premium includes all applicable insurance premium tax (IPT). Dear Mrs Mr Justin Elliott . Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 2022-04-10 . Good news; if you want cover to continue with us and to make sure you stay protected by our award-winning cover, you do not need to do anything. We will update your policy onto our latest wording and continue to collect payment using the payment details we have for you. You must read the important information contained in this email and the attached documents Your Hiscox Insurance Premium breakdown The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). The amount shown as last year’s Annual premium will take into account any changes to the cover which may have been made during the last policy period. Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) Professional indemnity £6,348.75 £6,348.75 Legal protection £8,845.33 £8,845.33 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 Yates, Hill and Carter , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover Policy summary for each cover ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before 2022-04-10 . We’re here between 8:30am - 5:30pm Monday to Friday . Please note that we can only discuss policy changes with people named on the policy. Why renew with Hiscox - Reassuring: we offer a range of cover options that can be tailored to your needs - Flexible: we offer full flexibility to change your policy, with no administration fees - Award-winning cover : we’ve been named Best Small Business Insurer 7 years running by Start Your Business Magazine Please click this link for the Hiscox Referral Portal: https://refer.aklamio.com/hiscox/uk?source=postpurchase Thank you again for choosing Hiscox to insure your business. We hope you and your business have a very successful year. Kind regards Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 2022-04-10 . Good news; if you want cover to continue with us and to make sure you stay protected by our award-winning cover, you do not need to do anything. We will update your policy onto our latest wording and continue to collect payment using the payment details we have for you. You must read the important information contained in this email and the attached documents Your Hiscox Insurance Premium breakdown The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). The amount shown as last year’s Annual premium will take into account any changes to the cover which may have been made during the last policy period. Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) Professional indemnity £6,348.75 £6,348.75 Legal protection £8,845.33 £8,845.33 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 Yates, Hill and Carter , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover Policy summary for each cover ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before 2022-04-10 . We’re here between 8:30am - 5:30pm Monday to Friday . Please note that we can only discuss policy changes with people named on the policy. Why renew with Hiscox - Reassuring: we offer a range of cover options that can be tailored to your needs - Flexible: we offer full flexibility to change your policy, with no administration fees - Award-winning cover : we’ve been named Best Small Business Insurer 7 years running by Start Your Business Magazine Please click this link for the Hiscox Referral Portal: https://refer.aklamio.com/hiscox/uk?source=postpurchase Thank you again for choosing Hiscox to insure your business. We hope you and your business have a very successful year. Kind regards Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Your Hiscox Insurance Premium breakdown The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). Cover Professional indemnity Legal protection Crisis containment . Last year’s annual premium (exc IPT) £6,348.75 £8,845.33 £0.00 . This year’s annual Premium (exc IPT) £6,348.75 £8,845.33 . Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) . Professional indemnity £6,348.75 £6,348.75 . Legal protection £8,845.33 £8,845.33 . 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: Mr Justin Elliott Frequency of collection: Annual Sort code: %BANK_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 June, 2024 £2,881.74 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: FHVDBZ._MNKA If you have any questions about your policy or payments, please call us on 0800 280 0351. We’re here between 8:30am - 5:30pm Monday to Friday or you can email us at service@hiscox.co.uk. Using your personal information Hiscox isa trading name ofa number of Hiscox companies. The specific company acting asa data controller of your personal information will be listed in the documentation we provide to you. If you are unsure you can also contact us at anytime by telephoning 01904 681198 or by emailing us at dataprotectionofficer@hiscox.com. We collect and process information about you in order to provide insurance policies and to process claims. Your information is also used for business purposes such as fraud prevention and detection and financial management. This may involve sharing your information with, and obtaining information about you from, our group companies and third parties such as brokers, loss adjusters, credit reference agencies, service providers, professional advisors, our regulators or fraud prevention agencies. We may record telephone calls to help us monitor and improve the service we provide. For further information on how your information is used and your rights in relation to your information please see our privacy policy at www.hiscox.co.uk/cookies-privacy. The Direct Debit Guarantee This Guarantee is offered by all banks and building societies that accept instructions to pay Direct Debits. If there are any changes to the amount, date or frequency of your Direct Debit Hiscox Underwriting Ltd will notify you ten working days in advance of your account being debited or as otherwise agreed. If you request Hiscox Underwriting Ltd to collect a payment, confirmation of the amount and date will be given to you at the time of the request. If an error is made in the payment of your Direct Debit by Hiscox Underwriting Ltd or your bank or building society you are entitled to a full and immediate refund of the amount paid from your bank or building society. – If you receive a refund you are not entitled to, you must pay it back when Hiscox Underwriting Ltd asks you to. You can cancel a Direct Debit at anytime by simply contacting your bank or building society. Written confirmation maybe required. Please also notify us. Page / 1 Hiscox Business Insurance Policy summary JAC-PSC-UK-DC556(5.4) 17431b 07/20 Your Hiscox Business Insurance policy summaries This document contains the summaries for any policy covers you have selected to protect your business. These summaries outline the key information about your policies so you can be confident that you have understood what you have bought and what you are covered for. However, you should carefully read your policy in full and ensure that you understand its terms and conditions in full. If you have any queries, you should contact Hiscox or your insurance advisor. Your side of the bargain Remember, your premium and insurance are based on the details you have provided to us. Please make sure this information accurately reflects your business and that you inform us immediately if anything needs to change. Please also tell us of any changes in circumstances that may affect the services provided by us or the cover provided by your policy. This is particularly important before taking out a policy, but it also applies throughout the life of the policy too. You need to consider: ■if you fail to fairly present the risk to us, including by failing to disclose any information material to the insurance, you could invalidate the policy, claims may not be paid or the amount we pay maybe reduced; ■you should read and check all insurance documents to ensure that you are aware of the cover, limits and other terms that apply; ■if you fail to let us know of any changes to your circumstances during the period of insurance or, if when telling us about such changes you fail to present the risk to us fairly, you could invalidate the policy, claims may not be paid or the amount we pay maybe reduced; ■please be aware of all terms and conditions of your policy because failure to comply with them could invalidate it or result in us not paying a claim or reducing the amount we pay; ■in the event ofa claim, you should take note of the required procedures, such as giving Hiscox prompt notice of the claims, as stated in the policy documentation. In particular, if you fail to notify us when you first become aware ofa shortcoming, fact, or problem, admit you are liable for what has happened or appoint solicitors or other legal representation without our prior written approval, claims or defence costs may not be paid or the amount we pay maybe reduced; ■as with any insurance, you have an obligation to take reasonable steps to mitigate any loss or liability; ■if you make a fraudulent claim or try to deceive us, we may terminate the policy. Policy length The period of insurance is shown on your policy schedule. Your policy schedule will also show if the policy is ona continuing cover basis. If itis ona continuing cover basis, we will renew your policy each year for another 12 months and continue to take payment (including any premium adjustment shown in your renewal invitation) using your existing arrangement, unless you tell us otherwise or if your risk changes. If your policy schedule does not show that the policy is ona continuing cover basis, cover will cease at the end of the period of insurance, unless you renew your policy with us. We will provide you witha statement of fact each year and provided that the information contained within the statement of fact is true, complete and accurate, you do not need to provide us with any further information. If any of the information in your statement of fact is not true, complete and accurate, you must let us know. If you do not let us know, it may affect the validity of the policy or our ability to pay a claim. Retroactive dates, geographical and jurisdiction limits Where any section of your policy schedule includes a retroactive date, we will not make any payment for any claim or loss under that section which arises from any activity performed or any act, incident or occurrence taking place, before the retroactive date. Where any section of your policy schedule shows the geographical limits which apply to that section of the policy, we will only pay for claims and losses under that section which arise from activities performed or acts, incidents or occurrences taking place within those geographical limits. Where any section provides cover in respect of your liability to third parties, we will only cover claims first made ina country within the applicable courts stated in that section of your policy schedule. Hiscox Business Insurance Policy summary JAC-PSC-UK-DC556(5.4) 17431b 07/20 Cancellation rights You can cancel this policy by giving us 30 days' notice. You will only be charged for the premiums due up to the date of cancellation. If we need to cancel the policy, we’ll give you 30 days’ notice in writing and refund any surplus premiums you might have paid. Please note – we may deduct an administration fee from any refunded payment.There is an exception to our 30-day notice period, which is triggered when we don’t receive your Direct Debit payments within the agreed 14-day period. At this point, we will contact you as soon as possible and stop the policyPage / 2 immediately. Underwritten by:Hiscox Underwriting Ltd on behalf of the insurers named in the schedule. Page / 1 Certificate of professional indemnity insurance Yates, Hill and Carter Hiscox Underwriting Ltd of 1 Great St. Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Certificate of professional indemnity Insurance Policy number:FHVDBZ._MNKA Name of policy holder:Yates, Hill and Carter Period of insurance: From 2022-04-10 to Fri 15 February, 2019 both days inclusive. This policy isa Continuing cover policy Insurer: Hiscox Insurance Company Limited Retroactive date: 18/12/23 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: 2022-04-10 Insurance details Policy number: FHVDBZ._MNKA Period of insurance: From 2022-04-10 to Fri 15 February, 2019 both days inclusive. This policy isa Continuing cover policy. Insured: Yates, Hill and Carter Address: 411 Martin walks Lake Maxfort FARNHAM LN18 5HZ Additional insureds: None Business: Management Consultants Premium details Charged premium – the total amount you’ll pay for this policy. Charged premium: £8,289.60 Insurance Premium Tax (IPT): £5,648.68 Total charged premium: £2,881.74 Annualised premium – the annual premium for this policy. This is given for comparison purposes. Please refer to the charged premium section for the amount you’ll pay for the policy. Annual premium: £8,289.60 Insurance Premium Tax (IPT): £5,648.68 Annual total: £2,881.74 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 £6,348.75 Legal protection £100,000 £0 £8,845.33 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: 2022-04-10 Limit of indemnity £1,000,000 Limit applies to in the aggregate, including all costs Excess £1,000 Excess applies to each and every claim or loss, including all costs Geographical limits Worldwide Applicable courts Worldwide (excluding United States of America and Canada) Claims brought in USA or Canada Not covered Additional covers (in addition to overall limit of indemnity stated above) Cover Limit of indemnity Limit applies to Court attendance compensation - employees £250 per person, per day Court attendance compensation - directors and partners£500 per person, per day Court attendance compensation: in total £100,000 in the aggregate Special limits (included within not in addition to the overall limit of indemnity stated above) Cover Limit of indemnity Limit applies to Personal data claims £250,000 in the aggregate, including all costs Business activities Business managementPage / 2 consultant Retroactive date 18/12/23 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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FHVDBZ._MNKA
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(?<=Policy number - )[-\w_\/\.]+?(?= Company name)
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2022-04-10
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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 - HJULRO0E6-RD_87CS7EROV66 Company name: Webster, Akhtar and Campbell It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : HJULRO0E6-RD_87CS7EROV66. Company name: Webster, Akhtar and Campbell. Your Hiscox Insurance premium. Last year’s annual premium: This year’s annual premium. £ 4,037.11. £ 4,037.11. The premium includes all applicable insurance premium tax (IPT). Dear Dr Denis Cole. Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 07/03/25 . 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. £881.70. £881.70. Legal protection. £129.74. £129.74. 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 Webster, Akhtar and Campbell , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay. . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover. Policy summary for each cover. ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover . As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before 07/03/25 . 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 : HJULRO0E6-RD_87CS7EROV66 Company name: Webster, Akhtar and Campbell . It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : HJULRO0E6-RD_87CS7EROV66 Company name: Webster, Akhtar and Campbell . Your Hiscox Insurance premium Last year’s annual premium: This year’s annual premium The premium includes all applicable insurance premium tax (IPT). £ 4,037.11 £ 4,037.11 . Your Hiscox Insurance premium . Last year’s annual premium: This year’s annual premium £ 4,037.11 £ 4,037.11 . The premium includes all applicable insurance premium tax (IPT). Dear Dr Denis Cole . Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 07/03/25 . 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 £881.70 £881.70 Legal protection £129.74 £129.74 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 Webster, Akhtar and Campbell , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover Policy summary for each cover ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before 07/03/25 . 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 07/03/25 . 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 £881.70 £881.70 Legal protection £129.74 £129.74 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 Webster, Akhtar and Campbell , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover Policy summary for each cover ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before 07/03/25 . 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) £881.70 £129.74 £0.00 . This year’s annual Premium (exc IPT) £881.70 £129.74 . Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) . Professional indemnity £881.70 £881.70 . Legal protection £129.74 £129.74 . 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: Denis Cole Frequency of collection: Annual Sort code: %BANK_SORT_CODE_1% Account number: %BANK_ACCOUNT_NUMBER_1% Your Direct Debit schedule We will take payments on the dates outlined below: Date Amount 17/11/21 £4,037.11 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: HJULRO0E6-RD_87CS7EROV66 If you have any questions about your policy or payments, please call us on 0800 280 0351. We’re here between 8:30am - 5:30pm Monday to Friday or you can email us at service@hiscox.co.uk. Using your personal information Hiscox isa trading name ofa number of Hiscox companies. The specific company acting asa data controller of your personal information will be listed in the documentation we provide to you. If you are unsure you can also contact us at anytime by telephoning 01904 681198 or by emailing us at dataprotectionofficer@hiscox.com. We collect and process information about you in order to provide insurance policies and to process claims. Your information is also used for business purposes such as fraud prevention and detection and financial management. This may involve sharing your information with, and obtaining information about you from, our group companies and third parties such as brokers, loss adjusters, credit reference agencies, service providers, professional advisors, our regulators or fraud prevention agencies. We may record telephone calls to help us monitor and improve the service we provide. For further information on how your information is used and your rights in relation to your information please see our privacy policy at www.hiscox.co.uk/cookies-privacy. The Direct Debit Guarantee This Guarantee is offered by all banks and building societies that accept instructions to pay Direct Debits. If there are any changes to the amount, date or frequency of your Direct Debit Hiscox Underwriting Ltd will notify you ten working days in advance of your account being debited or as otherwise agreed. If you request Hiscox Underwriting Ltd to collect a payment, confirmation of the amount and date will be given to you at the time of the request. If an error is made in the payment of your Direct Debit by Hiscox Underwriting Ltd or your bank or building society you are entitled to a full and immediate refund of the amount paid from your bank or building society. – If you receive a refund you are not entitled to, you must pay it back when Hiscox Underwriting Ltd asks you to. You can cancel a Direct Debit at anytime by simply contacting your bank or building society. Written confirmation maybe required. Please also notify us. Page / 1 Hiscox Business Insurance Policy summary JAC-PSC-UK-DC556(5.4) 17431b 07/20 Your Hiscox Business Insurance policy summaries This document contains the summaries for any policy covers you have selected to protect your business. These summaries outline the key information about your policies so you can be confident that you have understood what you have bought and what you are covered for. However, you should carefully read your policy in full and ensure that you understand its terms and conditions in full. If you have any queries, you should contact Hiscox or your insurance advisor. Your side of the bargain Remember, your premium and insurance are based on the details you have provided to us. Please make sure this information accurately reflects your business and that you inform us immediately if anything needs to change. Please also tell us of any changes in circumstances that may affect the services provided by us or the cover provided by your policy. This is particularly important before taking out a policy, but it also applies throughout the life of the policy too. You need to consider: ■if you fail to fairly present the risk to us, including by failing to disclose any information material to the insurance, you could invalidate the policy, claims may not be paid or the amount we pay maybe reduced; ■you should read and check all insurance documents to ensure that you are aware of the cover, limits and other terms that apply; ■if you fail to let us know of any changes to your circumstances during the period of insurance or, if when telling us about such changes you fail to present the risk to us fairly, you could invalidate the policy, claims may not be paid or the amount we pay maybe reduced; ■please be aware of all terms and conditions of your policy because failure to comply with them could invalidate it or result in us not paying a claim or reducing the amount we pay; ■in the event ofa claim, you should take note of the required procedures, such as giving Hiscox prompt notice of the claims, as stated in the policy documentation. In particular, if you fail to notify us when you first become aware ofa shortcoming, fact, or problem, admit you are liable for what has happened or appoint solicitors or other legal representation without our prior written approval, claims or defence costs may not be paid or the amount we pay maybe reduced; ■as with any insurance, you have an obligation to take reasonable steps to mitigate any loss or liability; ■if you make a fraudulent claim or try to deceive us, we may terminate the policy. Policy length The period of insurance is shown on your policy schedule. Your policy schedule will also show if the policy is ona continuing cover basis. If itis ona continuing cover basis, we will renew your policy each year for another 12 months and continue to take payment (including any premium adjustment shown in your renewal invitation) using your existing arrangement, unless you tell us otherwise or if your risk changes. If your policy schedule does not show that the policy is ona continuing cover basis, cover will cease at the end of the period of insurance, unless you renew your policy with us. We will provide you witha statement of fact each year and provided that the information contained within the statement of fact is true, complete and accurate, you do not need to provide us with any further information. If any of the information in your statement of fact is not true, complete and accurate, you must let us know. If you do not let us know, it may affect the validity of the policy or our ability to pay a claim. Retroactive dates, geographical and jurisdiction limits Where any section of your policy schedule includes a retroactive date, we will not make any payment for any claim or loss under that section which arises from any activity performed or any act, incident or occurrence taking place, before the retroactive date. Where any section of your policy schedule shows the geographical limits which apply to that section of the policy, we will only pay for claims and losses under that section which arise from activities performed or acts, incidents or occurrences taking place within those geographical limits. Where any section provides cover in respect of your liability to third parties, we will only cover claims first made ina country within the applicable courts stated in that section of your policy schedule. Hiscox Business Insurance Policy summary JAC-PSC-UK-DC556(5.4) 17431b 07/20 Cancellation rights You can cancel this policy by giving us 30 days' notice. You will only be charged for the premiums due up to the date of cancellation. If we need to cancel the policy, we’ll give you 30 days’ notice in writing and refund any surplus premiums you might have paid. Please note – we may deduct an administration fee from any refunded payment.There is an exception to our 30-day notice period, which is triggered when we don’t receive your Direct Debit payments within the agreed 14-day period. At this point, we will contact you as soon as possible and stop the policyPage / 2 immediately. Underwritten by:Hiscox Underwriting Ltd on behalf of the insurers named in the schedule. Page / 1 Certificate of professional indemnity insurance Webster, Akhtar and Campbell Hiscox Underwriting Ltd of 1 Great St. Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Certificate of professional indemnity Insurance Policy number:HJULRO0E6-RD_87CS7EROV66 Name of policy holder:Webster, Akhtar and Campbell Period of insurance: From 07/03/25 to 2022-09-15 both days inclusive. This policy isa Continuing cover policy Insurer: Hiscox Insurance Company Limited Retroactive date: Tue 26 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: 07/03/25 Insurance details Policy number: HJULRO0E6-RD_87CS7EROV66 Period of insurance: From 07/03/25 to 2022-09-15 both days inclusive. This policy isa Continuing cover policy. Insured: Webster, Akhtar and Campbell Address: 8 Bolton mall South Martinville FARNHAM B0 8BJ Additional insureds: None Business: Management Consultants Premium details Charged premium – the total amount you’ll pay for this policy. Charged premium: £6,815.11 Insurance Premium Tax (IPT): £6,750.38 Total charged premium: £4,037.11 Annualised premium – the annual premium for this policy. This is given for comparison purposes. Please refer to the charged premium section for the amount you’ll pay for the policy. Annual premium: £6,815.11 Insurance Premium Tax (IPT): £6,750.38 Annual total: £4,037.11 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 £881.70 Legal protection £100,000 £0 £129.74 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: 07/03/25 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 Tue 26 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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HJULRO0E6-RD_87CS7EROV66
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07/03/25
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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 - d-edbnwrs Company name: Vincent, Bennett and Allen It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : d-edbnwrs. Company name: Vincent, Bennett and Allen. Your Hiscox Insurance premium. Last year’s annual premium: This year’s annual premium. £ 6,038.93. £ 6,038.93. The premium includes all applicable insurance premium tax (IPT). Dear Mr Liam Bates-Taylor. Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on Tuesday 01 February, 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. £522.62. £522.62. Legal protection. £4,927.55. £4,927.55. 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 Vincent, Bennett and Allen , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay. . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover. Policy summary for each cover. ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover . As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before Tuesday 01 February, 2022 . We’re here between 8:30am - 5:30pm Monday to Friday . Please note that we can only discuss policy changes with people named on the policy. Why renew with Hiscox. - Reassuring: we offer a range of cover options that can be tailored to your needs. - Flexible: we offer full flexibility to change your policy, with no administration fees . - Award-winning cover : we’ve been named Best Small Business Insurer 7 years running by Start Your Business Magazine . Please click this link for the Hiscox Referral Portal: https://refer.aklamio.com/hiscox/uk?source=postpurchase. Thank you again for choosing Hiscox to insure your business. We hope you and your business have a very successful year. Kind regards. Jon Dye. CEO, Hiscox UK. Business Insurance for the small and the brave. To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre. Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. This email and any files transmitted with it are confidential and intended solely for the use of the individual or entity to whom they are addressed. No one else is authorised to distribute, forward, print, copy or act upon any information contained in this email. If you have received this email in error, please notify the sender. Hiscox Syndicates Limited and Hiscox Insurance Company Limited are authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Hiscox Underwriting Limited, Hiscox Underwriting Services Ltd, Hiscox MGA Ltd and Hiscox ASM Ltd are authorised and regulated by the Financial Conduct Authority. Hiscox Assure SAS is duly registered as an insurance broker with the ORIAS, which is the French Official Registry of Insurance Intermediaries. Hiscox plc is a company registered in England and Wales under company registration number 2837811 and registered office at 1 Great St Helen's, London EC3A 6HX. Hiscox SA is a company registered in Luxembourg at 35 Avenue John F. Kennedy 35F, Luxembourg L-1855, and is authorised by the Commissariat aux Assurances de Luxembourg. It’s time to renew your Hiscox Business Insurance Hiscox Insurance policy number : d-edbnwrs Company name: Vincent, Bennett and Allen . It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : d-edbnwrs Company name: Vincent, Bennett and Allen . Your Hiscox Insurance premium Last year’s annual premium: This year’s annual premium The premium includes all applicable insurance premium tax (IPT). £ 6,038.93 £ 6,038.93 . Your Hiscox Insurance premium . Last year’s annual premium: This year’s annual premium £ 6,038.93 £ 6,038.93 . The premium includes all applicable insurance premium tax (IPT). Dear Mr Liam Bates-Taylor . Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on Tuesday 01 February, 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 £522.62 £522.62 Legal protection £4,927.55 £4,927.55 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 Vincent, Bennett and Allen , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover Policy summary for each cover ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before Tuesday 01 February, 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 Tuesday 01 February, 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 £522.62 £522.62 Legal protection £4,927.55 £4,927.55 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 Vincent, Bennett and Allen , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover Policy summary for each cover ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before Tuesday 01 February, 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) £522.62 £4,927.55 £0.00 . This year’s annual Premium (exc IPT) £522.62 £4,927.55 . Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) . Professional indemnity £522.62 £522.62 . Legal protection £4,927.55 £4,927.55 . 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: Liam Bates-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 03 July, 2025 £6,038.93 Where your chosen collection date falls ona non-working day then we will endeavour to collect the next working day. For your information, the collections will be made using the following reference number: Originator Identification Number: 293461 Reference Number: d-edbnwrs If you have any questions about your policy or payments, please call us on 0800 280 0351. We’re here between 8:30am - 5:30pm Monday to Friday or you can email us at service@hiscox.co.uk. Using your personal information Hiscox isa trading name ofa number of Hiscox companies. The specific company acting asa data controller of your personal information will be listed in the documentation we provide to you. If you are unsure you can also contact us at anytime by telephoning 01904 681198 or by emailing us at dataprotectionofficer@hiscox.com. We collect and process information about you in order to provide insurance policies and to process claims. Your information is also used for business purposes such as fraud prevention and detection and financial management. This may involve sharing your information with, and obtaining information about you from, our group companies and third parties such as brokers, loss adjusters, credit reference agencies, service providers, professional advisors, our regulators or fraud prevention agencies. We may record telephone calls to help us monitor and improve the service we provide. For further information on how your information is used and your rights in relation to your information please see our privacy policy at www.hiscox.co.uk/cookies-privacy. The Direct Debit Guarantee This Guarantee is offered by all banks and building societies that accept instructions to pay Direct Debits. If there are any changes to the amount, date or frequency of your Direct Debit Hiscox Underwriting Ltd will notify you ten working days in advance of your account being debited or as otherwise agreed. If you request Hiscox Underwriting Ltd to collect a payment, confirmation of the amount and date will be given to you at the time of the request. If an error is made in the payment of your Direct Debit by Hiscox Underwriting Ltd or your bank or building society you are entitled to a full and immediate refund of the amount paid from your bank or building society. – If you receive a refund you are not entitled to, you must pay it back when Hiscox Underwriting Ltd asks you to. You can cancel a Direct Debit at anytime by simply contacting your bank or building society. Written confirmation maybe required. Please also notify us. Page / 1 Hiscox Business Insurance Policy summary JAC-PSC-UK-DC556(5.4) 17431b 07/20 Your Hiscox Business Insurance policy summaries This document contains the summaries for any policy covers you have selected to protect your business. These summaries outline the key information about your policies so you can be confident that you have understood what you have bought and what you are covered for. However, you should carefully read your policy in full and ensure that you understand its terms and conditions in full. If you have any queries, you should contact Hiscox or your insurance advisor. Your side of the bargain Remember, your premium and insurance are based on the details you have provided to us. Please make sure this information accurately reflects your business and that you inform us immediately if anything needs to change. Please also tell us of any changes in circumstances that may affect the services provided by us or the cover provided by your policy. This is particularly important before taking out a policy, but it also applies throughout the life of the policy too. You need to consider: ■if you fail to fairly present the risk to us, including by failing to disclose any information material to the insurance, you could invalidate the policy, claims may not be paid or the amount we pay maybe reduced; ■you should read and check all insurance documents to ensure that you are aware of the cover, limits and other terms that apply; ■if you fail to let us know of any changes to your circumstances during the period of insurance or, if when telling us about such changes you fail to present the risk to us fairly, you could invalidate the policy, claims may not be paid or the amount we pay maybe reduced; ■please be aware of all terms and conditions of your policy because failure to comply with them could invalidate it or result in us not paying a claim or reducing the amount we pay; ■in the event ofa claim, you should take note of the required procedures, such as giving Hiscox prompt notice of the claims, as stated in the policy documentation. In particular, if you fail to notify us when you first become aware ofa shortcoming, fact, or problem, admit you are liable for what has happened or appoint solicitors or other legal representation without our prior written approval, claims or defence costs may not be paid or the amount we pay maybe reduced; ■as with any insurance, you have an obligation to take reasonable steps to mitigate any loss or liability; ■if you make a fraudulent claim or try to deceive us, we may terminate the policy. Policy length The period of insurance is shown on your policy schedule. Your policy schedule will also show if the policy is ona continuing cover basis. If itis ona continuing cover basis, we will renew your policy each year for another 12 months and continue to take payment (including any premium adjustment shown in your renewal invitation) using your existing arrangement, unless you tell us otherwise or if your risk changes. If your policy schedule does not show that the policy is ona continuing cover basis, cover will cease at the end of the period of insurance, unless you renew your policy with us. We will provide you witha statement of fact each year and provided that the information contained within the statement of fact is true, complete and accurate, you do not need to provide us with any further information. If any of the information in your statement of fact is not true, complete and accurate, you must let us know. If you do not let us know, it may affect the validity of the policy or our ability to pay a claim. Retroactive dates, geographical and jurisdiction limits Where any section of your policy schedule includes a retroactive date, we will not make any payment for any claim or loss under that section which arises from any activity performed or any act, incident or occurrence taking place, before the retroactive date. Where any section of your policy schedule shows the geographical limits which apply to that section of the policy, we will only pay for claims and losses under that section which arise from activities performed or acts, incidents or occurrences taking place within those geographical limits. Where any section provides cover in respect of your liability to third parties, we will only cover claims first made ina country within the applicable courts stated in that section of your policy schedule. Hiscox Business Insurance Policy summary JAC-PSC-UK-DC556(5.4) 17431b 07/20 Cancellation rights You can cancel this policy by giving us 30 days' notice. You will only be charged for the premiums due up to the date of cancellation. If we need to cancel the policy, we’ll give you 30 days’ notice in writing and refund any surplus premiums you might have paid. Please note – we may deduct an administration fee from any refunded payment.There is an exception to our 30-day notice period, which is triggered when we don’t receive your Direct Debit payments within the agreed 14-day period. At this point, we will contact you as soon as possible and stop the policyPage / 2 immediately. Underwritten by:Hiscox Underwriting Ltd on behalf of the insurers named in the schedule. Page / 1 Certificate of professional indemnity insurance Vincent, Bennett and Allen Hiscox Underwriting Ltd of 1 Great St. Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Certificate of professional indemnity Insurance Policy number:d-edbnwrs Name of policy holder:Vincent, Bennett and Allen Period of insurance: From Tuesday 01 February, 2022 to 18/11/2019 both days inclusive. This policy isa Continuing cover policy Insurer: Hiscox Insurance Company Limited Retroactive date: 01/06/2024 Level of cover:£1,000,000 Signed on behalf of Hiscox Underwriting Limited as agent for the insurers Jon Dye CEO, Hiscox UK Notes: (a) This insurance is subject to policy terms and conditions and any special terms notified to the InsuredPage / 1 Hiscox Business Insurance Policy Schedule 14502 10/18 This schedule tells you what is insured with us. It should be read carefully with your policy wording(s) and statement of fact detailed elsewhere in this document. Schedule effective date: Tuesday 01 February, 2022 Insurance details Policy number: d-edbnwrs Period of insurance: From Tuesday 01 February, 2022 to 18/11/2019 both days inclusive. This policy isa Continuing cover policy. Insured: Vincent, Bennett and Allen Address: Flat 95J Catherine avenue Port Glenn FARNHAM G05 2EY Additional insureds: None Business: Management Consultants Premium details Charged premium – the total amount you’ll pay for this policy. Charged premium: £6,762.37 Insurance Premium Tax (IPT): £7,209.32 Total charged premium: £6,038.93 Annualised premium – the annual premium for this policy. This is given for comparison purposes. Please refer to the charged premium section for the amount you’ll pay for the policy. Annual premium: £6,762.37 Insurance Premium Tax (IPT): £7,209.32 Annual total: £6,038.93 Please note that there will be no refund or additional premium for any transaction which is less than £20 (excluding IPT). Hiscox Business Insurance Policy Schedule 14502 10/18 Summary Claims information If you need to make a claim: - For claims relating to your building or contents please contact our claims team on 0800 247 1902, 9.00am – 5:30pm Monday to Friday. If you wish to make a claim online, you can log most claims quickly and easily through our claims notification portal at https://claims.hiscox.co.uk/. Outside of normal business hours, if you require emergency assistance in relation to substantial damage to your property, you can speak to our 24-hour emergency assistance team using the telephone number above. Your policy schedule will state if property cover is included in your policy. Our out-of-hours emergency assistance team operate ona pay-and-claim basis and you will need to have credit card details available as appropriate. The team will then be able to direct you to essential tradesmen, emergency loss adjusters or disaster management companies in the event of substantial damage. - If there isa claim (or potential claim) against you bya third party, please email us at liability.claims@hiscox.com. If you need to speak to a member of the claims team urgently, please call our team on 0800 711 7156, 9.00am – 5:30pm Monday to Friday. If you wish to make a claim online, you can log most claims quickly and easily through our claims notification portal at https://claims.hiscox.co.uk/. You will need to provide your full name and contact details, the name of your business or organisation, your address and postcode, the policy reference and circumstances of the claim. The Important information and contact details section below contains additional information specific to the covers applicable to your policy. If you are unsure of who to contact please call our team on 0800 711 7156, 9.00am – 5:30pm Monday to Friday. They will ensure you get through to the correct claims team and let you know what actions you need to take. If anything happens that might be covered under the policy, you must comply with the obligations set out in General claims conditions, together with the obligations set out under Your obligations in the section or sections under which you are making the claim. Itis important that you read the policy for details of its terms in full. Your covers This isa summary of each section of your policy. See each section for cover details. Cover Insurance amount Excess Annual Premium (exc IPT) Professional indemnity £1,000,000 £1,000 £522.62 Legal protection £100,000 £0 £4,927.55 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: Tuesday 01 February, 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 01/06/2024 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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d-edbnwrs
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(?<=Policy number - )[-\w_\/\.]+?(?= Company name)
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Tuesday 01 February, 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 - BCFWC.X Company name: Willis-Smith It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : BCFWC.X. Company name: Willis-Smith. Your Hiscox Insurance premium. Last year’s annual premium: This year’s annual premium. £ 5,309.43. £ 5,309.43. The premium includes all applicable insurance premium tax (IPT). Dear Ms Damian Johnston. Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on Tuesday 31 August, 2021 . Good news; if you want cover to continue with us and to make sure you stay protected by our award-winning cover, you do not need to do anything. We will update your policy onto our latest wording and continue to collect payment using the payment details we have for you. You must read the important information contained in this email and the attached documents. Your Hiscox Insurance Premium breakdown. The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). The amount shown as last year’s Annual premium will take into account any changes to the cover which may have been made during the last policy period. Cover. Last year’s annual premium (exc IPT). This year’s annual Premium (exc IPT). Professional indemnity. £8,420.87. £8,420.87. Legal protection. £3,903.44. £3,903.44. 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 Willis-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 31 August, 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 : BCFWC.X Company name: Willis-Smith . It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : BCFWC.X Company name: Willis-Smith . Your Hiscox Insurance premium Last year’s annual premium: This year’s annual premium The premium includes all applicable insurance premium tax (IPT). £ 5,309.43 £ 5,309.43 . Your Hiscox Insurance premium . Last year’s annual premium: This year’s annual premium £ 5,309.43 £ 5,309.43 . The premium includes all applicable insurance premium tax (IPT). Dear Ms Damian Johnston . Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on Tuesday 31 August, 2021 . Good news; if you want cover to continue with us and to make sure you stay protected by our award-winning cover, you do not need to do anything. We will update your policy onto our latest wording and continue to collect payment using the payment details we have for you. You must read the important information contained in this email and the attached documents Your Hiscox Insurance Premium breakdown The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). The amount shown as last year’s Annual premium will take into account any changes to the cover which may have been made during the last policy period. Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) Professional indemnity £8,420.87 £8,420.87 Legal protection £3,903.44 £3,903.44 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 Willis-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 31 August, 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 31 August, 2021 . Good news; if you want cover to continue with us and to make sure you stay protected by our award-winning cover, you do not need to do anything. We will update your policy onto our latest wording and continue to collect payment using the payment details we have for you. You must read the important information contained in this email and the attached documents Your Hiscox Insurance Premium breakdown The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). The amount shown as last year’s Annual premium will take into account any changes to the cover which may have been made during the last policy period. Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) Professional indemnity £8,420.87 £8,420.87 Legal protection £3,903.44 £3,903.44 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 Willis-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 31 August, 2021 . We’re here between 8:30am - 5:30pm Monday to Friday . Please note that we can only discuss policy changes with people named on the policy. Why renew with Hiscox - Reassuring: we offer a range of cover options that can be tailored to your needs - Flexible: we offer full flexibility to change your policy, with no administration fees - Award-winning cover : we’ve been named Best Small Business Insurer 7 years running by Start Your Business Magazine Please click this link for the Hiscox Referral Portal: https://refer.aklamio.com/hiscox/uk?source=postpurchase Thank you again for choosing Hiscox to insure your business. We hope you and your business have a very successful year. Kind regards Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Your Hiscox Insurance Premium breakdown The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). Cover Professional indemnity Legal protection Crisis containment . Last year’s annual premium (exc IPT) £8,420.87 £3,903.44 £0.00 . This year’s annual Premium (exc IPT) £8,420.87 £3,903.44 . Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) . Professional indemnity £8,420.87 £8,420.87 . Legal protection £3,903.44 £3,903.44 . 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: Damian Johnston Frequency of collection: Annual Sort code: %BANK_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 27 September, 2023 £5,309.43 Where your chosen collection date falls ona non-working day then we will endeavour to collect the next working day. For your information, the collections will be made using the following reference number: Originator Identification Number: 293461 Reference Number: BCFWC.X If you have any questions about your policy or payments, please call us on 0800 280 0351. We’re here between 8:30am - 5:30pm Monday to Friday or you can email us at service@hiscox.co.uk. Using your personal information Hiscox isa trading name ofa number of Hiscox companies. The specific company acting asa data controller of your personal information will be listed in the documentation we provide to you. If you are unsure you can also contact us at anytime by telephoning 01904 681198 or by emailing us at dataprotectionofficer@hiscox.com. We collect and process information about you in order to provide insurance policies and to process claims. Your information is also used for business purposes such as fraud prevention and detection and financial management. This may involve sharing your information with, and obtaining information about you from, our group companies and third parties such as brokers, loss adjusters, credit reference agencies, service providers, professional advisors, our regulators or fraud prevention agencies. We may record telephone calls to help us monitor and improve the service we provide. For further information on how your information is used and your rights in relation to your information please see our privacy policy at www.hiscox.co.uk/cookies-privacy. The Direct Debit Guarantee This Guarantee is offered by all banks and building societies that accept instructions to pay Direct Debits. If there are any changes to the amount, date or frequency of your Direct Debit Hiscox Underwriting Ltd will notify you ten working days in advance of your account being debited or as otherwise agreed. If you request Hiscox Underwriting Ltd to collect a payment, confirmation of the amount and date will be given to you at the time of the request. If an error is made in the payment of your Direct Debit by Hiscox Underwriting Ltd or your bank or building society you are entitled to a full and immediate refund of the amount paid from your bank or building society. – If you receive a refund you are not entitled to, you must pay it back when Hiscox Underwriting Ltd asks you to. You can cancel a Direct Debit at anytime by simply contacting your bank or building society. Written confirmation maybe required. Please also notify us. Page / 1 Hiscox Business Insurance Policy summary JAC-PSC-UK-DC556(5.4) 17431b 07/20 Your Hiscox Business Insurance policy summaries This document contains the summaries for any policy covers you have selected to protect your business. These summaries outline the key information about your policies so you can be confident that you have understood what you have bought and what you are covered for. However, you should carefully read your policy in full and ensure that you understand its terms and conditions in full. If you have any queries, you should contact Hiscox or your insurance advisor. Your side of the bargain Remember, your premium and insurance are based on the details you have provided to us. Please make sure this information accurately reflects your business and that you inform us immediately if anything needs to change. Please also tell us of any changes in circumstances that may affect the services provided by us or the cover provided by your policy. This is particularly important before taking out a policy, but it also applies throughout the life of the policy too. You need to consider: ■if you fail to fairly present the risk to us, including by failing to disclose any information material to the insurance, you could invalidate the policy, claims may not be paid or the amount we pay maybe reduced; ■you should read and check all insurance documents to ensure that you are aware of the cover, limits and other terms that apply; ■if you fail to let us know of any changes to your circumstances during the period of insurance or, if when telling us about such changes you fail to present the risk to us fairly, you could invalidate the policy, claims may not be paid or the amount we pay maybe reduced; ■please be aware of all terms and conditions of your policy because failure to comply with them could invalidate it or result in us not paying a claim or reducing the amount we pay; ■in the event ofa claim, you should take note of the required procedures, such as giving Hiscox prompt notice of the claims, as stated in the policy documentation. In particular, if you fail to notify us when you first become aware ofa shortcoming, fact, or problem, admit you are liable for what has happened or appoint solicitors or other legal representation without our prior written approval, claims or defence costs may not be paid or the amount we pay maybe reduced; ■as with any insurance, you have an obligation to take reasonable steps to mitigate any loss or liability; ■if you make a fraudulent claim or try to deceive us, we may terminate the policy. Policy length The period of insurance is shown on your policy schedule. Your policy schedule will also show if the policy is ona continuing cover basis. If itis ona continuing cover basis, we will renew your policy each year for another 12 months and continue to take payment (including any premium adjustment shown in your renewal invitation) using your existing arrangement, unless you tell us otherwise or if your risk changes. If your policy schedule does not show that the policy is ona continuing cover basis, cover will cease at the end of the period of insurance, unless you renew your policy with us. We will provide you witha statement of fact each year and provided that the information contained within the statement of fact is true, complete and accurate, you do not need to provide us with any further information. If any of the information in your statement of fact is not true, complete and accurate, you must let us know. If you do not let us know, it may affect the validity of the policy or our ability to pay a claim. Retroactive dates, geographical and jurisdiction limits Where any section of your policy schedule includes a retroactive date, we will not make any payment for any claim or loss under that section which arises from any activity performed or any act, incident or occurrence taking place, before the retroactive date. Where any section of your policy schedule shows the geographical limits which apply to that section of the policy, we will only pay for claims and losses under that section which arise from activities performed or acts, incidents or occurrences taking place within those geographical limits. Where any section provides cover in respect of your liability to third parties, we will only cover claims first made ina country within the applicable courts stated in that section of your policy schedule. Hiscox Business Insurance Policy summary JAC-PSC-UK-DC556(5.4) 17431b 07/20 Cancellation rights You can cancel this policy by giving us 30 days' notice. You will only be charged for the premiums due up to the date of cancellation. If we need to cancel the policy, we’ll give you 30 days’ notice in writing and refund any surplus premiums you might have paid. Please note – we may deduct an administration fee from any refunded payment.There is an exception to our 30-day notice period, which is triggered when we don’t receive your Direct Debit payments within the agreed 14-day period. At this point, we will contact you as soon as possible and stop the policyPage / 2 immediately. Underwritten by:Hiscox Underwriting Ltd on behalf of the insurers named in the schedule. Page / 1 Certificate of professional indemnity insurance Willis-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:BCFWC.X Name of policy holder:Willis-Smith Period of insurance: From Tuesday 31 August, 2021 to 21/06/22 both days inclusive. This policy isa Continuing cover policy Insurer: Hiscox Insurance Company Limited Retroactive date: 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: Tuesday 31 August, 2021 Insurance details Policy number: BCFWC.X Period of insurance: From Tuesday 31 August, 2021 to 21/06/22 both days inclusive. This policy isa Continuing cover policy. Insured: Willis-Smith Address: Studio 7 Margaret wall Lake Lydia FARNHAM W2J 2HX Additional insureds: None Business: Management Consultants Premium details Charged premium – the total amount you’ll pay for this policy. Charged premium: £9,720.88 Insurance Premium Tax (IPT): £5,432.27 Total charged premium: £5,309.43 Annualised premium – the annual premium for this policy. This is given for comparison purposes. Please refer to the charged premium section for the amount you’ll pay for the policy. Annual premium: £9,720.88 Insurance Premium Tax (IPT): £5,432.27 Annual total: £5,309.43 Please note that there will be no refund or additional premium for any transaction which is less than £20 (excluding IPT). Hiscox Business Insurance Policy Schedule 14502 10/18 Summary Claims information If you need to make a claim: - For claims relating to your building or contents please contact our claims team on 0800 247 1902, 9.00am – 5:30pm Monday to Friday. If you wish to make a claim online, you can log most claims quickly and easily through our claims notification portal at https://claims.hiscox.co.uk/. Outside of normal business hours, if you require emergency assistance in relation to substantial damage to your property, you can speak to our 24-hour emergency assistance team using the telephone number above. Your policy schedule will state if property cover is included in your policy. Our out-of-hours emergency assistance team operate ona pay-and-claim basis and you will need to have credit card details available as appropriate. The team will then be able to direct you to essential tradesmen, emergency loss adjusters or disaster management companies in the event of substantial damage. - If there isa claim (or potential claim) against you bya third party, please email us at liability.claims@hiscox.com. If you need to speak to a member of the claims team urgently, please call our team on 0800 711 7156, 9.00am – 5:30pm Monday to Friday. If you wish to make a claim online, you can log most claims quickly and easily through our claims notification portal at https://claims.hiscox.co.uk/. You will need to provide your full name and contact details, the name of your business or organisation, your address and postcode, the policy reference and circumstances of the claim. The Important information and contact details section below contains additional information specific to the covers applicable to your policy. If you are unsure of who to contact please call our team on 0800 711 7156, 9.00am – 5:30pm Monday to Friday. They will ensure you get through to the correct claims team and let you know what actions you need to take. If anything happens that might be covered under the policy, you must comply with the obligations set out in General claims conditions, together with the obligations set out under Your obligations in the section or sections under which you are making the claim. Itis important that you read the policy for details of its terms in full. Your covers This isa summary of each section of your policy. See each section for cover details. Cover Insurance amount Excess Annual Premium (exc IPT) Professional indemnity £1,000,000 £1,000 £8,420.87 Legal protection £100,000 £0 £3,903.44 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: Tuesday 31 August, 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 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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BCFWC.X
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(?<=Policy number - )[-\w_\/\.]+?(?= Company name)
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Tuesday 31 August, 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 - 2/I9FT2GLN29E9NGJS Company name: Vincent-Wilson It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : 2/I9FT2GLN29E9NGJS. Company name: Vincent-Wilson. Your Hiscox Insurance premium. Last year’s annual premium: This year’s annual premium. £ 1,744.46. £ 1,744.46. The premium includes all applicable insurance premium tax (IPT). Dear Dr Mrs Aimee Ellis. Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 2019-08-25 . Good news; if you want cover to continue with us and to make sure you stay protected by our award-winning cover, you do not need to do anything. We will update your policy onto our latest wording and continue to collect payment using the payment details we have for you. You must read the important information contained in this email and the attached documents. Your Hiscox Insurance Premium breakdown. The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). The amount shown as last year’s Annual premium will take into account any changes to the cover which may have been made during the last policy period. Cover. Last year’s annual premium (exc IPT). This year’s annual Premium (exc IPT). Professional indemnity. £1,600.82. £1,600.82. Legal protection. £1,098.28. £1,098.28. 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 Vincent-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 2019-08-25 . We’re here between 8:30am - 5:30pm Monday to Friday . Please note that we can only discuss policy changes with people named on the policy. Why renew with Hiscox. - Reassuring: we offer a range of cover options that can be tailored to your needs. - Flexible: we offer full flexibility to change your policy, with no administration fees . - Award-winning cover : we’ve been named Best Small Business Insurer 7 years running by Start Your Business Magazine . Please click this link for the Hiscox Referral Portal: https://refer.aklamio.com/hiscox/uk?source=postpurchase. Thank you again for choosing Hiscox to insure your business. We hope you and your business have a very successful year. Kind regards. Jon Dye. CEO, Hiscox UK. Business Insurance for the small and the brave. To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre. Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. This email and any files transmitted with it are confidential and intended solely for the use of the individual or entity to whom they are addressed. No one else is authorised to distribute, forward, print, copy or act upon any information contained in this email. If you have received this email in error, please notify the sender. Hiscox Syndicates Limited and Hiscox Insurance Company Limited are authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Hiscox Underwriting Limited, Hiscox Underwriting Services Ltd, Hiscox MGA Ltd and Hiscox ASM Ltd are authorised and regulated by the Financial Conduct Authority. Hiscox Assure SAS is duly registered as an insurance broker with the ORIAS, which is the French Official Registry of Insurance Intermediaries. Hiscox plc is a company registered in England and Wales under company registration number 2837811 and registered office at 1 Great St Helen's, London EC3A 6HX. Hiscox SA is a company registered in Luxembourg at 35 Avenue John F. Kennedy 35F, Luxembourg L-1855, and is authorised by the Commissariat aux Assurances de Luxembourg. It’s time to renew your Hiscox Business Insurance Hiscox Insurance policy number : 2/I9FT2GLN29E9NGJS Company name: Vincent-Wilson . It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : 2/I9FT2GLN29E9NGJS Company name: Vincent-Wilson . Your Hiscox Insurance premium Last year’s annual premium: This year’s annual premium The premium includes all applicable insurance premium tax (IPT). £ 1,744.46 £ 1,744.46 . Your Hiscox Insurance premium . Last year’s annual premium: This year’s annual premium £ 1,744.46 £ 1,744.46 . The premium includes all applicable insurance premium tax (IPT). Dear Dr Mrs Aimee Ellis . Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 2019-08-25 . Good news; if you want cover to continue with us and to make sure you stay protected by our award-winning cover, you do not need to do anything. We will update your policy onto our latest wording and continue to collect payment using the payment details we have for you. You must read the important information contained in this email and the attached documents Your Hiscox Insurance Premium breakdown The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). The amount shown as last year’s Annual premium will take into account any changes to the cover which may have been made during the last policy period. Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) Professional indemnity £1,600.82 £1,600.82 Legal protection £1,098.28 £1,098.28 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 Vincent-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 2019-08-25 . We’re here between 8:30am - 5:30pm Monday to Friday . Please note that we can only discuss policy changes with people named on the policy. Why renew with Hiscox - Reassuring: we offer a range of cover options that can be tailored to your needs - Flexible: we offer full flexibility to change your policy, with no administration fees - Award-winning cover : we’ve been named Best Small Business Insurer 7 years running by Start Your Business Magazine Please click this link for the Hiscox Referral Portal: https://refer.aklamio.com/hiscox/uk?source=postpurchase Thank you again for choosing Hiscox to insure your business. We hope you and your business have a very successful year. Kind regards Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 2019-08-25 . Good news; if you want cover to continue with us and to make sure you stay protected by our award-winning cover, you do not need to do anything. We will update your policy onto our latest wording and continue to collect payment using the payment details we have for you. You must read the important information contained in this email and the attached documents Your Hiscox Insurance Premium breakdown The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). The amount shown as last year’s Annual premium will take into account any changes to the cover which may have been made during the last policy period. Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) Professional indemnity £1,600.82 £1,600.82 Legal protection £1,098.28 £1,098.28 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 Vincent-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 2019-08-25 . We’re here between 8:30am - 5:30pm Monday to Friday . Please note that we can only discuss policy changes with people named on the policy. Why renew with Hiscox - Reassuring: we offer a range of cover options that can be tailored to your needs - Flexible: we offer full flexibility to change your policy, with no administration fees - Award-winning cover : we’ve been named Best Small Business Insurer 7 years running by Start Your Business Magazine Please click this link for the Hiscox Referral Portal: https://refer.aklamio.com/hiscox/uk?source=postpurchase Thank you again for choosing Hiscox to insure your business. We hope you and your business have a very successful year. Kind regards Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Your Hiscox Insurance Premium breakdown The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). Cover Professional indemnity Legal protection Crisis containment . Last year’s annual premium (exc IPT) £1,600.82 £1,098.28 £0.00 . This year’s annual Premium (exc IPT) £1,600.82 £1,098.28 . Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) . Professional indemnity £1,600.82 £1,600.82 . Legal protection £1,098.28 £1,098.28 . 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: Mrs Aimee Ellis Frequency of collection: Annual Sort code: %BANK_SORT_CODE_1% Account number: %BANK_ACCOUNT_NUMBER_1% Your Direct Debit schedule We will take payments on the dates outlined below: Date Amount 07 December, 2023 £1,744.46 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: 2/I9FT2GLN29E9NGJS If you have any questions about your policy or payments, please call us on 0800 280 0351. We’re here between 8:30am - 5:30pm Monday to Friday or you can email us at service@hiscox.co.uk. Using your personal information Hiscox isa trading name ofa number of Hiscox companies. The specific company acting asa data controller of your personal information will be listed in the documentation we provide to you. If you are unsure you can also contact us at anytime by telephoning 01904 681198 or by emailing us at dataprotectionofficer@hiscox.com. We collect and process information about you in order to provide insurance policies and to process claims. Your information is also used for business purposes such as fraud prevention and detection and financial management. This may involve sharing your information with, and obtaining information about you from, our group companies and third parties such as brokers, loss adjusters, credit reference agencies, service providers, professional advisors, our regulators or fraud prevention agencies. We may record telephone calls to help us monitor and improve the service we provide. For further information on how your information is used and your rights in relation to your information please see our privacy policy at www.hiscox.co.uk/cookies-privacy. The Direct Debit Guarantee This Guarantee is offered by all banks and building societies that accept instructions to pay Direct Debits. If there are any changes to the amount, date or frequency of your Direct Debit Hiscox Underwriting Ltd will notify you ten working days in advance of your account being debited or as otherwise agreed. If you request Hiscox Underwriting Ltd to collect a payment, confirmation of the amount and date will be given to you at the time of the request. If an error is made in the payment of your Direct Debit by Hiscox Underwriting Ltd or your bank or building society you are entitled to a full and immediate refund of the amount paid from your bank or building society. – If you receive a refund you are not entitled to, you must pay it back when Hiscox Underwriting Ltd asks you to. You can cancel a Direct Debit at anytime by simply contacting your bank or building society. Written confirmation maybe required. Please also notify us. Page / 1 Hiscox Business Insurance Policy summary JAC-PSC-UK-DC556(5.4) 17431b 07/20 Your Hiscox Business Insurance policy summaries This document contains the summaries for any policy covers you have selected to protect your business. These summaries outline the key information about your policies so you can be confident that you have understood what you have bought and what you are covered for. However, you should carefully read your policy in full and ensure that you understand its terms and conditions in full. If you have any queries, you should contact Hiscox or your insurance advisor. Your side of the bargain Remember, your premium and insurance are based on the details you have provided to us. Please make sure this information accurately reflects your business and that you inform us immediately if anything needs to change. Please also tell us of any changes in circumstances that may affect the services provided by us or the cover provided by your policy. This is particularly important before taking out a policy, but it also applies throughout the life of the policy too. You need to consider: ■if you fail to fairly present the risk to us, including by failing to disclose any information material to the insurance, you could invalidate the policy, claims may not be paid or the amount we pay maybe reduced; ■you should read and check all insurance documents to ensure that you are aware of the cover, limits and other terms that apply; ■if you fail to let us know of any changes to your circumstances during the period of insurance or, if when telling us about such changes you fail to present the risk to us fairly, you could invalidate the policy, claims may not be paid or the amount we pay maybe reduced; ■please be aware of all terms and conditions of your policy because failure to comply with them could invalidate it or result in us not paying a claim or reducing the amount we pay; ■in the event ofa claim, you should take note of the required procedures, such as giving Hiscox prompt notice of the claims, as stated in the policy documentation. In particular, if you fail to notify us when you first become aware ofa shortcoming, fact, or problem, admit you are liable for what has happened or appoint solicitors or other legal representation without our prior written approval, claims or defence costs may not be paid or the amount we pay maybe reduced; ■as with any insurance, you have an obligation to take reasonable steps to mitigate any loss or liability; ■if you make a fraudulent claim or try to deceive us, we may terminate the policy. Policy length The period of insurance is shown on your policy schedule. Your policy schedule will also show if the policy is ona continuing cover basis. If itis ona continuing cover basis, we will renew your policy each year for another 12 months and continue to take payment (including any premium adjustment shown in your renewal invitation) using your existing arrangement, unless you tell us otherwise or if your risk changes. If your policy schedule does not show that the policy is ona continuing cover basis, cover will cease at the end of the period of insurance, unless you renew your policy with us. We will provide you witha statement of fact each year and provided that the information contained within the statement of fact is true, complete and accurate, you do not need to provide us with any further information. If any of the information in your statement of fact is not true, complete and accurate, you must let us know. If you do not let us know, it may affect the validity of the policy or our ability to pay a claim. Retroactive dates, geographical and jurisdiction limits Where any section of your policy schedule includes a retroactive date, we will not make any payment for any claim or loss under that section which arises from any activity performed or any act, incident or occurrence taking place, before the retroactive date. Where any section of your policy schedule shows the geographical limits which apply to that section of the policy, we will only pay for claims and losses under that section which arise from activities performed or acts, incidents or occurrences taking place within those geographical limits. Where any section provides cover in respect of your liability to third parties, we will only cover claims first made ina country within the applicable courts stated in that section of your policy schedule. Hiscox Business Insurance Policy summary JAC-PSC-UK-DC556(5.4) 17431b 07/20 Cancellation rights You can cancel this policy by giving us 30 days' notice. You will only be charged for the premiums due up to the date of cancellation. If we need to cancel the policy, we’ll give you 30 days’ notice in writing and refund any surplus premiums you might have paid. Please note – we may deduct an administration fee from any refunded payment.There is an exception to our 30-day notice period, which is triggered when we don’t receive your Direct Debit payments within the agreed 14-day period. At this point, we will contact you as soon as possible and stop the policyPage / 2 immediately. Underwritten by:Hiscox Underwriting Ltd on behalf of the insurers named in the schedule. Page / 1 Certificate of professional indemnity insurance Vincent-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:2/I9FT2GLN29E9NGJS Name of policy holder:Vincent-Wilson Period of insurance: From 2019-08-25 to 2021-04-09 both days inclusive. This policy isa Continuing cover policy Insurer: Hiscox Insurance Company Limited Retroactive date: 14 March, 2024 Level of cover:£1,000,000 Signed on behalf of Hiscox Underwriting Limited as agent for the insurers Jon Dye CEO, Hiscox UK Notes: (a) This insurance is subject to policy terms and conditions and any special terms notified to the InsuredPage / 1 Hiscox Business Insurance Policy Schedule 14502 10/18 This schedule tells you what is insured with us. It should be read carefully with your policy wording(s) and statement of fact detailed elsewhere in this document. Schedule effective date: 2019-08-25 Insurance details Policy number: 2/I9FT2GLN29E9NGJS Period of insurance: From 2019-08-25 to 2021-04-09 both days inclusive. This policy isa Continuing cover policy. Insured: Vincent-Wilson Address: Studio 46 Katherine ways Port Susan FARNHAM M4E 8SF Additional insureds: None Business: Management Consultants Premium details Charged premium – the total amount you’ll pay for this policy. Charged premium: £9,659.46 Insurance Premium Tax (IPT): £8,622.62 Total charged premium: £1,744.46 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: £9,659.46 Insurance Premium Tax (IPT): £8,622.62 Annual total: £1,744.46 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 £1,600.82 Legal protection £100,000 £0 £1,098.28 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: 2019-08-25 Limit of indemnity £1,000,000 Limit applies to in the aggregate, including all costs Excess £1,000 Excess applies to each and every claim or loss, including all costs Geographical limits Worldwide Applicable courts Worldwide (excluding United States of America and Canada) Claims brought in USA or Canada Not covered Additional covers (in addition to overall limit of indemnity stated above) Cover Limit of indemnity Limit applies to Court attendance compensation - employees £250 per person, per day Court attendance compensation - directors and partners£500 per person, per day Court attendance compensation: in total £100,000 in the aggregate Special limits (included within not in addition to the overall limit of indemnity stated above) Cover Limit of indemnity Limit applies to Personal data claims £250,000 in the aggregate, including all costs Business activities Business managementPage / 2 consultant Retroactive date 14 March, 2024 Insurer Hiscox Insurance Company LimitedPage / 1 Hiscox Insurance Summary of change Introduction This document has been created to help you understand the key changes to your Hiscox Insurance policy and how they may impact you. Your policy continues to offer professional, tailored insurance to protect you and give you peace of mind that if you need us, you will be supported by our award winning claims team. If you have a query not covered by this document, or if you have any questions or concerns about your policy you should contact us. Frequently asked questions What if my circumstances change during the period of insurance? If your circumstances change during the period of insurance, you only need to let us know if the change means that any of the information in the Statement of Fact is no longer true, complete and accurate. If there are no such changes, you do not need to let us know. If any of the information within the Statement of Fact becomes no longer complete, true or accurate at any point during the period of insurance you must tell us as it may affect the validity of the policy or our ability to pay a claim. Additionally, if your contact details change then you should let us know straightaway. Where doI find the limits that apply to my policy? You can find your maximum allowable limits for turnover and wage rollin your Statement of Fact. You must check this information and tell us or your broker if you expect to exceed the maximum amounts shown. Please note these values may have changed. If there are special limits or special excesses applying to particular covers or types of losses these will be shown in the policy schedule. Please check your policy schedule carefully as they may have changed. My new schedule shows a different premium to last year? What has changed? If an underwriter has reviewed your policy then they may have manually adjusted your premium, for example if you’ve had claims in the last 12 months. Where doI find out about any endorsements on my policy? You will be able to see if an endorsement has been applied or removed by reviewing your Policy Schedule. If you have any queries or concerns, please contact us or your broker if you have one. Hiscox Insurance Summary of change Professional indemnity for business management consultants Summary of change Changes to the cover The following table shows the differences between our new policy wordings (5570 WD- PROF-UK-MAN(7), 15579 WD-PROF-UK-MAN-AG(3)) and our previous wordings (5570 WD-PROF-UK-MAN(6), 15579 WD-PROF-UK-MAN-AG(2)). This isa summary of the changes only. You should refer to the schedule and policy wording for the full description of the cover in place. Area of cover Previous policy New policy Improvement in cover Claims against you Advertising claims. We will pay claims arising from your advertising or branding for defamation or infringement of copyright or moral rights. This does not include claims for passing off, unauthorised use of trademarks or false or misleading advertising. Previously cover was not restricted to defamation or the infringement of copyright or moral rights.Covered Amended Your own lossesChanges to ‘what is covered’ Losses from dishonesty. Your losses arising from the dishonesty of your employees, sub-contractors or outsourcers.Covered Not covered Area of cover Previous policy New policy Improvement in cover Cyber incident. We will not pay claims relating to an actual or possible cyber attack, hacker or social engineering communication. Previously we excluded any virus not specifically targeted at your system.Covered Not covered Computer or digital technology error. We will not pay claims arising from any negligent act, error or omission in the operation or maintenance of computer or digital technology such as development, installation, patching or upgrading.Covered Not coveredChanges to ‘what is not covered’ Infrastructure. We will not pay claims arising from the failure of the service provided by internet, telecommunications, utilities or other infrastructure providers.Covered Not covered Hiscox Insurance Summary of change Personal data. We will not pay claims relating to personal data. We will pay such claims where they arise from your performance ofa business activity and which is not otherwise excluded. Subject to the limit shown in the schedule.Covered Not covered Other important changes Control of defence. Under the previous wording we had a duty to defend you against any covered claim brought against you. We now have the right but not the obligation to take control of the conduct of the claim including the appointment of legal representation. Please refer to the policy wording for full details. SOC-PROF-UK-MAN(1) 21367 01/21
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2/I9FT2GLN29E9NGJS
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(?<=Policy number - )[-\w_\/\.]+?(?= Company name)
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2019-08-25
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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 - 62UO83FQ6NXN Company name: Kerr PLC It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : 62UO83FQ6NXN. Company name: Kerr PLC. Your Hiscox Insurance premium. Last year’s annual premium: This year’s annual premium. £ 6,160.23. £ 6,160.23. The premium includes all applicable insurance premium tax (IPT). Dear Mrs Hannah Barnett. Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on Thursday 03 June, 2021 . Good news; if you want cover to continue with us and to make sure you stay protected by our award-winning cover, you do not need to do anything. We will update your policy onto our latest wording and continue to collect payment using the payment details we have for you. You must read the important information contained in this email and the attached documents. Your Hiscox Insurance Premium breakdown. The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). The amount shown as last year’s Annual premium will take into account any changes to the cover which may have been made during the last policy period. Cover. Last year’s annual premium (exc IPT). This year’s annual Premium (exc IPT). Professional indemnity. £7,606.82. £7,606.82. Legal protection. £5,727.12. £5,727.12. 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 Kerr 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 Thursday 03 June, 2021 . We’re here between 8:30am - 5:30pm Monday to Friday . Please note that we can only discuss policy changes with people named on the policy. Why renew with Hiscox. - Reassuring: we offer a range of cover options that can be tailored to your needs. - Flexible: we offer full flexibility to change your policy, with no administration fees . - Award-winning cover : we’ve been named Best Small Business Insurer 7 years running by Start Your Business Magazine . Please click this link for the Hiscox Referral Portal: https://refer.aklamio.com/hiscox/uk?source=postpurchase. Thank you again for choosing Hiscox to insure your business. We hope you and your business have a very successful year. Kind regards. Jon Dye. CEO, Hiscox UK. Business Insurance for the small and the brave. To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre. Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. This email and any files transmitted with it are confidential and intended solely for the use of the individual or entity to whom they are addressed. No one else is authorised to distribute, forward, print, copy or act upon any information contained in this email. If you have received this email in error, please notify the sender. Hiscox Syndicates Limited and Hiscox Insurance Company Limited are authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Hiscox Underwriting Limited, Hiscox Underwriting Services Ltd, Hiscox MGA Ltd and Hiscox ASM Ltd are authorised and regulated by the Financial Conduct Authority. Hiscox Assure SAS is duly registered as an insurance broker with the ORIAS, which is the French Official Registry of Insurance Intermediaries. Hiscox plc is a company registered in England and Wales under company registration number 2837811 and registered office at 1 Great St Helen's, London EC3A 6HX. Hiscox SA is a company registered in Luxembourg at 35 Avenue John F. Kennedy 35F, Luxembourg L-1855, and is authorised by the Commissariat aux Assurances de Luxembourg. It’s time to renew your Hiscox Business Insurance Hiscox Insurance policy number : 62UO83FQ6NXN Company name: Kerr PLC . It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : 62UO83FQ6NXN Company name: Kerr PLC . Your Hiscox Insurance premium Last year’s annual premium: This year’s annual premium The premium includes all applicable insurance premium tax (IPT). £ 6,160.23 £ 6,160.23 . Your Hiscox Insurance premium . Last year’s annual premium: This year’s annual premium £ 6,160.23 £ 6,160.23 . The premium includes all applicable insurance premium tax (IPT). Dear Mrs Hannah Barnett . Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on Thursday 03 June, 2021 . Good news; if you want cover to continue with us and to make sure you stay protected by our award-winning cover, you do not need to do anything. We will update your policy onto our latest wording and continue to collect payment using the payment details we have for you. You must read the important information contained in this email and the attached documents Your Hiscox Insurance Premium breakdown The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). The amount shown as last year’s Annual premium will take into account any changes to the cover which may have been made during the last policy period. Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) Professional indemnity £7,606.82 £7,606.82 Legal protection £5,727.12 £5,727.12 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 Kerr 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 Thursday 03 June, 2021 . We’re here between 8:30am - 5:30pm Monday to Friday . Please note that we can only discuss policy changes with people named on the policy. Why renew with Hiscox - Reassuring: we offer a range of cover options that can be tailored to your needs - Flexible: we offer full flexibility to change your policy, with no administration fees - Award-winning cover : we’ve been named Best Small Business Insurer 7 years running by Start Your Business Magazine Please click this link for the Hiscox Referral Portal: https://refer.aklamio.com/hiscox/uk?source=postpurchase Thank you again for choosing Hiscox to insure your business. We hope you and your business have a very successful year. Kind regards Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on Thursday 03 June, 2021 . Good news; if you want cover to continue with us and to make sure you stay protected by our award-winning cover, you do not need to do anything. We will update your policy onto our latest wording and continue to collect payment using the payment details we have for you. You must read the important information contained in this email and the attached documents Your Hiscox Insurance Premium breakdown The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). The amount shown as last year’s Annual premium will take into account any changes to the cover which may have been made during the last policy period. Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) Professional indemnity £7,606.82 £7,606.82 Legal protection £5,727.12 £5,727.12 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 Kerr 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 Thursday 03 June, 2021 . We’re here between 8:30am - 5:30pm Monday to Friday . Please note that we can only discuss policy changes with people named on the policy. Why renew with Hiscox - Reassuring: we offer a range of cover options that can be tailored to your needs - Flexible: we offer full flexibility to change your policy, with no administration fees - Award-winning cover : we’ve been named Best Small Business Insurer 7 years running by Start Your Business Magazine Please click this link for the Hiscox Referral Portal: https://refer.aklamio.com/hiscox/uk?source=postpurchase Thank you again for choosing Hiscox to insure your business. We hope you and your business have a very successful year. Kind regards Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Your Hiscox Insurance Premium breakdown The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). Cover Professional indemnity Legal protection Crisis containment . Last year’s annual premium (exc IPT) £7,606.82 £5,727.12 £0.00 . This year’s annual Premium (exc IPT) £7,606.82 £5,727.12 . Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) . Professional indemnity £7,606.82 £7,606.82 . Legal protection £5,727.12 £5,727.12 . 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: Hannah Barnett Frequency of collection: Annual Sort code: %BANK_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 23 November, 2022 £6,160.23 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: 62UO83FQ6NXN If you have any questions about your policy or payments, please call us on 0800 280 0351. We’re here between 8:30am - 5:30pm Monday to Friday or you can email us at service@hiscox.co.uk. Using your personal information Hiscox isa trading name ofa number of Hiscox companies. The specific company acting asa data controller of your personal information will be listed in the documentation we provide to you. If you are unsure you can also contact us at anytime by telephoning 01904 681198 or by emailing us at dataprotectionofficer@hiscox.com. We collect and process information about you in order to provide insurance policies and to process claims. Your information is also used for business purposes such as fraud prevention and detection and financial management. This may involve sharing your information with, and obtaining information about you from, our group companies and third parties such as brokers, loss adjusters, credit reference agencies, service providers, professional advisors, our regulators or fraud prevention agencies. We may record telephone calls to help us monitor and improve the service we provide. For further information on how your information is used and your rights in relation to your information please see our privacy policy at www.hiscox.co.uk/cookies-privacy. The Direct Debit Guarantee This Guarantee is offered by all banks and building societies that accept instructions to pay Direct Debits. If there are any changes to the amount, date or frequency of your Direct Debit Hiscox Underwriting Ltd will notify you ten working days in advance of your account being debited or as otherwise agreed. If you request Hiscox Underwriting Ltd to collect a payment, confirmation of the amount and date will be given to you at the time of the request. If an error is made in the payment of your Direct Debit by Hiscox Underwriting Ltd or your bank or building society you are entitled to a full and immediate refund of the amount paid from your bank or building society. – If you receive a refund you are not entitled to, you must pay it back when Hiscox Underwriting Ltd asks you to. You can cancel a Direct Debit at anytime by simply contacting your bank or building society. Written confirmation maybe required. Please also notify us. Page / 1 Hiscox Business Insurance Policy summary JAC-PSC-UK-DC556(5.4) 17431b 07/20 Your Hiscox Business Insurance policy summaries This document contains the summaries for any policy covers you have selected to protect your business. These summaries outline the key information about your policies so you can be confident that you have understood what you have bought and what you are covered for. However, you should carefully read your policy in full and ensure that you understand its terms and conditions in full. If you have any queries, you should contact Hiscox or your insurance advisor. Your side of the bargain Remember, your premium and insurance are based on the details you have provided to us. Please make sure this information accurately reflects your business and that you inform us immediately if anything needs to change. Please also tell us of any changes in circumstances that may affect the services provided by us or the cover provided by your policy. This is particularly important before taking out a policy, but it also applies throughout the life of the policy too. You need to consider: ■if you fail to fairly present the risk to us, including by failing to disclose any information material to the insurance, you could invalidate the policy, claims may not be paid or the amount we pay maybe reduced; ■you should read and check all insurance documents to ensure that you are aware of the cover, limits and other terms that apply; ■if you fail to let us know of any changes to your circumstances during the period of insurance or, if when telling us about such changes you fail to present the risk to us fairly, you could invalidate the policy, claims may not be paid or the amount we pay maybe reduced; ■please be aware of all terms and conditions of your policy because failure to comply with them could invalidate it or result in us not paying a claim or reducing the amount we pay; ■in the event ofa claim, you should take note of the required procedures, such as giving Hiscox prompt notice of the claims, as stated in the policy documentation. In particular, if you fail to notify us when you first become aware ofa shortcoming, fact, or problem, admit you are liable for what has happened or appoint solicitors or other legal representation without our prior written approval, claims or defence costs may not be paid or the amount we pay maybe reduced; ■as with any insurance, you have an obligation to take reasonable steps to mitigate any loss or liability; ■if you make a fraudulent claim or try to deceive us, we may terminate the policy. Policy length The period of insurance is shown on your policy schedule. Your policy schedule will also show if the policy is ona continuing cover basis. If itis ona continuing cover basis, we will renew your policy each year for another 12 months and continue to take payment (including any premium adjustment shown in your renewal invitation) using your existing arrangement, unless you tell us otherwise or if your risk changes. If your policy schedule does not show that the policy is ona continuing cover basis, cover will cease at the end of the period of insurance, unless you renew your policy with us. We will provide you witha statement of fact each year and provided that the information contained within the statement of fact is true, complete and accurate, you do not need to provide us with any further information. If any of the information in your statement of fact is not true, complete and accurate, you must let us know. If you do not let us know, it may affect the validity of the policy or our ability to pay a claim. Retroactive dates, geographical and jurisdiction limits Where any section of your policy schedule includes a retroactive date, we will not make any payment for any claim or loss under that section which arises from any activity performed or any act, incident or occurrence taking place, before the retroactive date. Where any section of your policy schedule shows the geographical limits which apply to that section of the policy, we will only pay for claims and losses under that section which arise from activities performed or acts, incidents or occurrences taking place within those geographical limits. Where any section provides cover in respect of your liability to third parties, we will only cover claims first made ina country within the applicable courts stated in that section of your policy schedule. Hiscox Business Insurance Policy summary JAC-PSC-UK-DC556(5.4) 17431b 07/20 Cancellation rights You can cancel this policy by giving us 30 days' notice. You will only be charged for the premiums due up to the date of cancellation. If we need to cancel the policy, we’ll give you 30 days’ notice in writing and refund any surplus premiums you might have paid. Please note – we may deduct an administration fee from any refunded payment.There is an exception to our 30-day notice period, which is triggered when we don’t receive your Direct Debit payments within the agreed 14-day period. At this point, we will contact you as soon as possible and stop the policyPage / 2 immediately. Underwritten by:Hiscox Underwriting Ltd on behalf of the insurers named in the schedule. Page / 1 Certificate of professional indemnity insurance Kerr 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:62UO83FQ6NXN Name of policy holder:Kerr PLC Period of insurance: From Thursday 03 June, 2021 to 20 September, 2025 both days inclusive. This policy isa Continuing cover policy Insurer: Hiscox Insurance Company Limited Retroactive date: 26/02/2019 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: Thursday 03 June, 2021 Insurance details Policy number: 62UO83FQ6NXN Period of insurance: From Thursday 03 June, 2021 to 20 September, 2025 both days inclusive. This policy isa Continuing cover policy. Insured: Kerr PLC Address: 7 Jackson station Kayside FARNHAM S40 1YQ Additional insureds: None Business: Management Consultants Premium details Charged premium – the total amount you’ll pay for this policy. Charged premium: £3,063.96 Insurance Premium Tax (IPT): £9,908.68 Total charged premium: £6,160.23 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: £3,063.96 Insurance Premium Tax (IPT): £9,908.68 Annual total: £6,160.23 Please note that there will be no refund or additional premium for any transaction which is less than £20 (excluding IPT). Hiscox Business Insurance Policy Schedule 14502 10/18 Summary Claims information If you need to make a claim: - For claims relating to your building or contents please contact our claims team on 0800 247 1902, 9.00am – 5:30pm Monday to Friday. If you wish to make a claim online, you can log most claims quickly and easily through our claims notification portal at https://claims.hiscox.co.uk/. Outside of normal business hours, if you require emergency assistance in relation to substantial damage to your property, you can speak to our 24-hour emergency assistance team using the telephone number above. Your policy schedule will state if property cover is included in your policy. Our out-of-hours emergency assistance team operate ona pay-and-claim basis and you will need to have credit card details available as appropriate. The team will then be able to direct you to essential tradesmen, emergency loss adjusters or disaster management companies in the event of substantial damage. - If there isa claim (or potential claim) against you bya third party, please email us at liability.claims@hiscox.com. If you need to speak to a member of the claims team urgently, please call our team on 0800 711 7156, 9.00am – 5:30pm Monday to Friday. If you wish to make a claim online, you can log most claims quickly and easily through our claims notification portal at https://claims.hiscox.co.uk/. You will need to provide your full name and contact details, the name of your business or organisation, your address and postcode, the policy reference and circumstances of the claim. The Important information and contact details section below contains additional information specific to the covers applicable to your policy. If you are unsure of who to contact please call our team on 0800 711 7156, 9.00am – 5:30pm Monday to Friday. They will ensure you get through to the correct claims team and let you know what actions you need to take. If anything happens that might be covered under the policy, you must comply with the obligations set out in General claims conditions, together with the obligations set out under Your obligations in the section or sections under which you are making the claim. Itis important that you read the policy for details of its terms in full. Your covers This isa summary of each section of your policy. See each section for cover details. Cover Insurance amount Excess Annual Premium (exc IPT) Professional indemnity £1,000,000 £1,000 £7,606.82 Legal protection £100,000 £0 £5,727.12 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: Thursday 03 June, 2021 Limit of indemnity £1,000,000 Limit applies to in the aggregate, including all costs Excess £1,000 Excess applies to each and every claim or loss, including all costs Geographical limits Worldwide Applicable courts Worldwide (excluding United States of America and Canada) Claims brought in USA or Canada Not covered Additional covers (in addition to overall limit of indemnity stated above) Cover Limit of indemnity Limit applies to Court attendance compensation - employees £250 per person, per day Court attendance compensation - directors and partners£500 per person, per day Court attendance compensation: in total £100,000 in the aggregate Special limits (included within not in addition to the overall limit of indemnity stated above) Cover Limit of indemnity Limit applies to Personal data claims £250,000 in the aggregate, including all costs Business activities Business managementPage / 2 consultant Retroactive date 26/02/2019 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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62UO83FQ6NXN
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(?<=Policy number - )[-\w_\/\.]+?(?= Company name)
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Thursday 03 June, 2021
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(?<=anniversary of your policy is approaching on )[-\w_\/\. ,]+?(?= \.)
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Business
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(?<=time to renew your Hiscox )[-\w_\/\. ]+?(?= Insurance)
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2024-02-05
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hiscox-business-2
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Hiscox Business Insurance - Policy number - dq.tqw.d Company name: Parkinson-Bishop It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : dq.tqw.d. Company name: Parkinson-Bishop. Your Hiscox Insurance premium. Last year’s annual premium: This year’s annual premium. £ 8,370.11. £ 8,370.11. The premium includes all applicable insurance premium tax (IPT). Dear Mr Julian Jennings. Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 14 November, 2024 . Good news; if you want cover to continue with us and to make sure you stay protected by our award-winning cover, you do not need to do anything. We will update your policy onto our latest wording and continue to collect payment using the payment details we have for you. You must read the important information contained in this email and the attached documents. Your Hiscox Insurance Premium breakdown. The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). The amount shown as last year’s Annual premium will take into account any changes to the cover which may have been made during the last policy period. Cover. Last year’s annual premium (exc IPT). This year’s annual Premium (exc IPT). Professional indemnity. £4,992.18. £4,992.18. Legal protection. £1,860.77. £1,860.77. Crisis containment. £0.00. Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy . Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government increase in Insurance Premium Tax as shown. Is our information correct? Your premium and cover are based on what you’ve told us about Parkinson-Bishop , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay. . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover. Policy summary for each cover. ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover . As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, 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 November, 2024 . We’re here between 8:30am - 5:30pm Monday to Friday . Please note that we can only discuss policy changes with people named on the policy. Why renew with Hiscox. - Reassuring: we offer a range of cover options that can be tailored to your needs. - Flexible: we offer full flexibility to change your policy, with no administration fees . - Award-winning cover : we’ve been named Best Small Business Insurer 7 years running by Start Your Business Magazine . Please click this link for the Hiscox Referral Portal: https://refer.aklamio.com/hiscox/uk?source=postpurchase. Thank you again for choosing Hiscox to insure your business. We hope you and your business have a very successful year. Kind regards. Jon Dye. CEO, Hiscox UK. Business Insurance for the small and the brave. To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre. Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. This email and any files transmitted with it are confidential and intended solely for the use of the individual or entity to whom they are addressed. No one else is authorised to distribute, forward, print, copy or act upon any information contained in this email. If you have received this email in error, please notify the sender. Hiscox Syndicates Limited and Hiscox Insurance Company Limited are authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Hiscox Underwriting Limited, Hiscox Underwriting Services Ltd, Hiscox MGA Ltd and Hiscox ASM Ltd are authorised and regulated by the Financial Conduct Authority. Hiscox Assure SAS is duly registered as an insurance broker with the ORIAS, which is the French Official Registry of Insurance Intermediaries. Hiscox plc is a company registered in England and Wales under company registration number 2837811 and registered office at 1 Great St Helen's, London EC3A 6HX. Hiscox SA is a company registered in Luxembourg at 35 Avenue John F. Kennedy 35F, Luxembourg L-1855, and is authorised by the Commissariat aux Assurances de Luxembourg. It’s time to renew your Hiscox Business Insurance Hiscox Insurance policy number : dq.tqw.d Company name: Parkinson-Bishop . It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : dq.tqw.d Company name: Parkinson-Bishop . Your Hiscox Insurance premium Last year’s annual premium: This year’s annual premium The premium includes all applicable insurance premium tax (IPT). £ 8,370.11 £ 8,370.11 . Your Hiscox Insurance premium . Last year’s annual premium: This year’s annual premium £ 8,370.11 £ 8,370.11 . The premium includes all applicable insurance premium tax (IPT). Dear Mr Julian Jennings . Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 14 November, 2024 . Good news; if you want cover to continue with us and to make sure you stay protected by our award-winning cover, you do not need to do anything. We will update your policy onto our latest wording and continue to collect payment using the payment details we have for you. You must read the important information contained in this email and the attached documents Your Hiscox Insurance Premium breakdown The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). The amount shown as last year’s Annual premium will take into account any changes to the cover which may have been made during the last policy period. Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) Professional indemnity £4,992.18 £4,992.18 Legal protection £1,860.77 £1,860.77 Crisis containment £0.00 Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government increase in Insurance Premium Tax as shown. Is our information correct? Your premium and cover are based on what you’ve told us about Parkinson-Bishop , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover Policy summary for each cover ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, 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 November, 2024 . We’re here between 8:30am - 5:30pm Monday to Friday . Please note that we can only discuss policy changes with people named on the policy. Why renew with Hiscox - Reassuring: we offer a range of cover options that can be tailored to your needs - Flexible: we offer full flexibility to change your policy, with no administration fees - Award-winning cover : we’ve been named Best Small Business Insurer 7 years running by Start Your Business Magazine Please click this link for the Hiscox Referral Portal: https://refer.aklamio.com/hiscox/uk?source=postpurchase Thank you again for choosing Hiscox to insure your business. We hope you and your business have a very successful year. Kind regards Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 14 November, 2024 . Good news; if you want cover to continue with us and to make sure you stay protected by our award-winning cover, you do not need to do anything. We will update your policy onto our latest wording and continue to collect payment using the payment details we have for you. You must read the important information contained in this email and the attached documents Your Hiscox Insurance Premium breakdown The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). The amount shown as last year’s Annual premium will take into account any changes to the cover which may have been made during the last policy period. Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) Professional indemnity £4,992.18 £4,992.18 Legal protection £1,860.77 £1,860.77 Crisis containment £0.00 Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government increase in Insurance Premium Tax as shown. Is our information correct? Your premium and cover are based on what you’ve told us about Parkinson-Bishop , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover Policy summary for each cover ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, 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 November, 2024 . We’re here between 8:30am - 5:30pm Monday to Friday . Please note that we can only discuss policy changes with people named on the policy. Why renew with Hiscox - Reassuring: we offer a range of cover options that can be tailored to your needs - Flexible: we offer full flexibility to change your policy, with no administration fees - Award-winning cover : we’ve been named Best Small Business Insurer 7 years running by Start Your Business Magazine Please click this link for the Hiscox Referral Portal: https://refer.aklamio.com/hiscox/uk?source=postpurchase Thank you again for choosing Hiscox to insure your business. We hope you and your business have a very successful year. Kind regards Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Your Hiscox Insurance Premium breakdown The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). Cover Professional indemnity Legal protection Crisis containment . Last year’s annual premium (exc IPT) £4,992.18 £1,860.77 £0.00 . This year’s annual Premium (exc IPT) £4,992.18 £1,860.77 . Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) . Professional indemnity £4,992.18 £4,992.18 . Legal protection £1,860.77 £1,860.77 . Crisis containment £0.00 . Kind regards Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre . Kind regards . Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave . To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre . Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Page / 1 Hiscox Business Insurance Policy wording 17431a - DC565 WORDING 04/17Guide to sectionsIntroduction Policy wordings General terms and conditions Professional indemnity for business management consultants Legal protection Crisis containment Hiscox Business Insurance Policy wording 17431a - DC565 WORDING 04/17IntroductionThank you for choosing Hiscox to protect your business. We hope that the language and layout of this policy wording are clear because we want you to understand the insurance we provide as well as the responsibilities we have to each other. Please read this document, including the policy schedule, policy summary and statement of fact, and let us know as soon as possible if any of the details are shown incorrectly. We always try to deliver to the highest standards of service. Your views are important to us, so if you feel that our service is below the standard you would expect from Hiscox, please contact us on the phone number shown in your policy schedule. Please note that some of the words we use in this insurance are shown in bold type. These words are defined in each section of the wording. Page / 1 Hiscox Insurance Payment schedule Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Thank you for continuing to pay for your policy by Direct Debit. Please check these details and let us know if anything is incorrect or if the schedule is not suitable. Your reference details Account holder name: Julian Jennings Frequency of collection: Annual Sort code: %BANK_SORT_CODE_1% Account number: %BANK_ACCOUNT_NUMBER_1% Your Direct Debit schedule We will take payments on the dates outlined below: Date Amount 25/07/21 £8,370.11 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: dq.tqw.d If you have any questions about your policy or payments, please call us on 0800 280 0351. We’re here between 8:30am - 5:30pm Monday to Friday or you can email us at service@hiscox.co.uk. Using your personal information Hiscox isa trading name ofa number of Hiscox companies. The specific company acting asa data controller of your personal information will be listed in the documentation we provide to you. If you are unsure you can also contact us at anytime by telephoning 01904 681198 or by emailing us at dataprotectionofficer@hiscox.com. We collect and process information about you in order to provide insurance policies and to process claims. Your information is also used for business purposes such as fraud prevention and detection and financial management. This may involve sharing your information with, and obtaining information about you from, our group companies and third parties such as brokers, loss adjusters, credit reference agencies, service providers, professional advisors, our regulators or fraud prevention agencies. We may record telephone calls to help us monitor and improve the service we provide. For further information on how your information is used and your rights in relation to your information please see our privacy policy at www.hiscox.co.uk/cookies-privacy. The Direct Debit Guarantee This Guarantee is offered by all banks and building societies that accept instructions to pay Direct Debits. If there are any changes to the amount, date or frequency of your Direct Debit Hiscox Underwriting Ltd will notify you ten working days in advance of your account being debited or as otherwise agreed. If you request Hiscox Underwriting Ltd to collect a payment, confirmation of the amount and date will be given to you at the time of the request. If an error is made in the payment of your Direct Debit by Hiscox Underwriting Ltd or your bank or building society you are entitled to a full and immediate refund of the amount paid from your bank or building society. – If you receive a refund you are not entitled to, you must pay it back when Hiscox Underwriting Ltd asks you to. You can cancel a Direct Debit at anytime by simply contacting your bank or building society. Written confirmation maybe required. Please also notify us. Page / 1 Hiscox Business Insurance Policy summary JAC-PSC-UK-DC556(5.4) 17431b 07/20 Your Hiscox Business Insurance policy summaries This document contains the summaries for any policy covers you have selected to protect your business. These summaries outline the key information about your policies so you can be confident that you have understood what you have bought and what you are covered for. However, you should carefully read your policy in full and ensure that you understand its terms and conditions in full. If you have any queries, you should contact Hiscox or your insurance advisor. Your side of the bargain Remember, your premium and insurance are based on the details you have provided to us. Please make sure this information accurately reflects your business and that you inform us immediately if anything needs to change. Please also tell us of any changes in circumstances that may affect the services provided by us or the cover provided by your policy. This is particularly important before taking out a policy, but it also applies throughout the life of the policy too. You need to consider: ■if you fail to fairly present the risk to us, including by failing to disclose any information material to the insurance, you could invalidate the policy, claims may not be paid or the amount we pay maybe reduced; ■you should read and check all insurance documents to ensure that you are aware of the cover, limits and other terms that apply; ■if you fail to let us know of any changes to your circumstances during the period of insurance or, if when telling us about such changes you fail to present the risk to us fairly, you could invalidate the policy, claims may not be paid or the amount we pay maybe reduced; ■please be aware of all terms and conditions of your policy because failure to comply with them could invalidate it or result in us not paying a claim or reducing the amount we pay; ■in the event ofa claim, you should take note of the required procedures, such as giving Hiscox prompt notice of the claims, as stated in the policy documentation. In particular, if you fail to notify us when you first become aware ofa shortcoming, fact, or problem, admit you are liable for what has happened or appoint solicitors or other legal representation without our prior written approval, claims or defence costs may not be paid or the amount we pay maybe reduced; ■as with any insurance, you have an obligation to take reasonable steps to mitigate any loss or liability; ■if you make a fraudulent claim or try to deceive us, we may terminate the policy. Policy length The period of insurance is shown on your policy schedule. Your policy schedule will also show if the policy is ona continuing cover basis. If itis ona continuing cover basis, we will renew your policy each year for another 12 months and continue to take payment (including any premium adjustment shown in your renewal invitation) using your existing arrangement, unless you tell us otherwise or if your risk changes. If your policy schedule does not show that the policy is ona continuing cover basis, cover will cease at the end of the period of insurance, unless you renew your policy with us. We will provide you witha statement of fact each year and provided that the information contained within the statement of fact is true, complete and accurate, you do not need to provide us with any further information. If any of the information in your statement of fact is not true, complete and accurate, you must let us know. If you do not let us know, it may affect the validity of the policy or our ability to pay a claim. Retroactive dates, geographical and jurisdiction limits Where any section of your policy schedule includes a retroactive date, we will not make any payment for any claim or loss under that section which arises from any activity performed or any act, incident or occurrence taking place, before the retroactive date. Where any section of your policy schedule shows the geographical limits which apply to that section of the policy, we will only pay for claims and losses under that section which arise from activities performed or acts, incidents or occurrences taking place within those geographical limits. Where any section provides cover in respect of your liability to third parties, we will only cover claims first made ina country within the applicable courts stated in that section of your policy schedule. Hiscox Business Insurance Policy summary JAC-PSC-UK-DC556(5.4) 17431b 07/20 Cancellation rights You can cancel this policy by giving us 30 days' notice. You will only be charged for the premiums due up to the date of cancellation. If we need to cancel the policy, we’ll give you 30 days’ notice in writing and refund any surplus premiums you might have paid. Please note – we may deduct an administration fee from any refunded payment.There is an exception to our 30-day notice period, which is triggered when we don’t receive your Direct Debit payments within the agreed 14-day period. At this point, we will contact you as soon as possible and stop the 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-Bishop Hiscox Underwriting Ltd of 1 Great St. Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Certificate of professional indemnity Insurance Policy number:dq.tqw.d Name of policy holder:Parkinson-Bishop Period of insurance: From 14 November, 2024 to 19/06/24 both days inclusive. This policy isa Continuing cover policy Insurer: Hiscox Insurance Company Limited Retroactive date: 02/04/2019 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: 14 November, 2024 Insurance details Policy number: dq.tqw.d Period of insurance: From 14 November, 2024 to 19/06/24 both days inclusive. This policy isa Continuing cover policy. Insured: Parkinson-Bishop Address: Studio 95 Wheeler junctions Gordonchester FARNHAM G3F 1HU Additional insureds: None Business: Management Consultants Premium details Charged premium – the total amount you’ll pay for this policy. Charged premium: £681.71 Insurance Premium Tax (IPT): £3,832.96 Total charged premium: £8,370.11 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: £681.71 Insurance Premium Tax (IPT): £3,832.96 Annual total: £8,370.11 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 £4,992.18 Legal protection £100,000 £0 £1,860.77 Crisis containment £25,000 - £0.00 The figures above are in summary only and are not in addition to the amount insured specified against each cover section below. Hiscox Business Insurance Policy Schedule 14502 10/18 SECTION: PROFESSIONAL INDEMNITY – MANAGEMENT CONSULTANTS Cover start date: 14 November, 2024 Limit of indemnity £1,000,000 Limit applies to in the aggregate, including all costs Excess £1,000 Excess applies to each and every claim or loss, including all costs Geographical limits Worldwide Applicable courts Worldwide (excluding United States of America and Canada) Claims brought in USA or Canada Not covered Additional covers (in addition to overall limit of indemnity stated above) Cover Limit of indemnity Limit applies to Court attendance compensation - employees £250 per person, per day Court attendance compensation - directors and partners£500 per person, per day Court attendance compensation: in total £100,000 in the aggregate Special limits (included within not in addition to the overall limit of indemnity stated above) Cover Limit of indemnity Limit applies to Personal data claims £250,000 in the aggregate, including all costs Business activities Business managementPage / 2 consultant Retroactive date 02/04/2019 Insurer Hiscox Insurance Company LimitedPage / 1 Hiscox Insurance Summary of change Introduction This document has been created to help you understand the key changes to your Hiscox Insurance policy and how they may impact you. Your policy continues to offer professional, tailored insurance to protect you and give you peace of mind that if you need us, you will be supported by our award winning claims team. If you have a query not covered by this document, or if you have any questions or concerns about your policy you should contact us. Frequently asked questions What if my circumstances change during the period of insurance? If your circumstances change during the period of insurance, you only need to let us know if the change means that any of the information in the Statement of Fact is no longer true, complete and accurate. If there are no such changes, you do not need to let us know. If any of the information within the Statement of Fact becomes no longer complete, true or accurate at any point during the period of insurance you must tell us as it may affect the validity of the policy or our ability to pay a claim. Additionally, if your contact details change then you should let us know straightaway. Where doI find the limits that apply to my policy? You can find your maximum allowable limits for turnover and wage rollin your Statement of Fact. You must check this information and tell us or your broker if you expect to exceed the maximum amounts shown. Please note these values may have changed. If there are special limits or special excesses applying to particular covers or types of losses these will be shown in the policy schedule. Please check your policy schedule carefully as they may have changed. My new schedule shows a different premium to last year? What has changed? If an underwriter has reviewed your policy then they may have manually adjusted your premium, for example if you’ve had claims in the last 12 months. Where doI find out about any endorsements on my policy? You will be able to see if an endorsement has been applied or removed by reviewing your Policy Schedule. If you have any queries or concerns, please contact us or your broker if you have one. Hiscox Insurance Summary of change Professional indemnity for business management consultants Summary of change Changes to the cover The following table shows the differences between our new policy wordings (5570 WD- PROF-UK-MAN(7), 15579 WD-PROF-UK-MAN-AG(3)) and our previous wordings (5570 WD-PROF-UK-MAN(6), 15579 WD-PROF-UK-MAN-AG(2)). This isa summary of the changes only. You should refer to the schedule and policy wording for the full description of the cover in place. Area of cover Previous policy New policy Improvement in cover Claims against you Advertising claims. We will pay claims arising from your advertising or branding for defamation or infringement of copyright or moral rights. This does not include claims for passing off, unauthorised use of trademarks or false or misleading advertising. Previously cover was not restricted to defamation or the infringement of copyright or moral rights.Covered Amended Your own lossesChanges to ‘what is covered’ Losses from dishonesty. Your losses arising from the dishonesty of your employees, sub-contractors or outsourcers.Covered Not covered Area of cover Previous policy New policy Improvement in cover Cyber incident. We will not pay claims relating to an actual or possible cyber attack, hacker or social engineering communication. Previously we excluded any virus not specifically targeted at your system.Covered Not covered Computer or digital technology error. We will not pay claims arising from any negligent act, error or omission in the operation or maintenance of computer or digital technology such as development, installation, patching or upgrading.Covered Not coveredChanges to ‘what is not covered’ Infrastructure. We will not pay claims arising from the failure of the service provided by internet, telecommunications, utilities or other infrastructure providers.Covered Not covered Hiscox Insurance Summary of change Personal data. We will not pay claims relating to personal data. We will pay such claims where they arise from your performance ofa business activity and which is not otherwise excluded. Subject to the limit shown in the schedule.Covered Not covered Other important changes Control of defence. Under the previous wording we had a duty to defend you against any covered claim brought against you. We now have the right but not the obligation to take control of the conduct of the claim including the appointment of legal representation. Please refer to the policy wording for full details. SOC-PROF-UK-MAN(1) 21367 01/21
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dq.tqw.d
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(?<=Policy number - )[-\w_\/\.]+?(?= Company name)
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14 November, 2024
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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 - QB/IYFM9T1K8S9G Company name: Johnson-Coates It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : QB/IYFM9T1K8S9G. Company name: Johnson-Coates. Your Hiscox Insurance premium. Last year’s annual premium: This year’s annual premium. £ 1,808.23. £ 1,808.23. The premium includes all applicable insurance premium tax (IPT). Dear Dr Ms Nicola Adams. Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 07/01/23 . 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. £470.14. £470.14. Legal protection. £9,304.59. £9,304.59. 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 Johnson-Coates , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay. . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover. Policy summary for each cover. ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover . As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before 07/01/23 . 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 : QB/IYFM9T1K8S9G Company name: Johnson-Coates . It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : QB/IYFM9T1K8S9G Company name: Johnson-Coates . Your Hiscox Insurance premium Last year’s annual premium: This year’s annual premium The premium includes all applicable insurance premium tax (IPT). £ 1,808.23 £ 1,808.23 . Your Hiscox Insurance premium . Last year’s annual premium: This year’s annual premium £ 1,808.23 £ 1,808.23 . The premium includes all applicable insurance premium tax (IPT). Dear Dr Ms Nicola Adams . Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 07/01/23 . 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 £470.14 £470.14 Legal protection £9,304.59 £9,304.59 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 Johnson-Coates , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover Policy summary for each cover ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before 07/01/23 . 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 07/01/23 . 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 £470.14 £470.14 Legal protection £9,304.59 £9,304.59 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 Johnson-Coates , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover Policy summary for each cover ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before 07/01/23 . 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) £470.14 £9,304.59 £0.00 . This year’s annual Premium (exc IPT) £470.14 £9,304.59 . Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) . Professional indemnity £470.14 £470.14 . Legal protection £9,304.59 £9,304.59 . 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: Ms Nicola Adams Frequency of collection: Annual Sort code: %BANK_SORT_CODE_1% Account number: %BANK_ACCOUNT_NUMBER_1% Your Direct Debit schedule We will take payments on the dates outlined below: Date Amount Sat 02 November, 2024 £1,808.23 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: QB/IYFM9T1K8S9G If you have any questions about your policy or payments, please call us on 0800 280 0351. We’re here between 8:30am - 5:30pm Monday to Friday or you can email us at service@hiscox.co.uk. Using your personal information Hiscox isa trading name ofa number of Hiscox companies. The specific company acting asa data controller of your personal information will be listed in the documentation we provide to you. If you are unsure you can also contact us at anytime by telephoning 01904 681198 or by emailing us at dataprotectionofficer@hiscox.com. We collect and process information about you in order to provide insurance policies and to process claims. Your information is also used for business purposes such as fraud prevention and detection and financial management. This may involve sharing your information with, and obtaining information about you from, our group companies and third parties such as brokers, loss adjusters, credit reference agencies, service providers, professional advisors, our regulators or fraud prevention agencies. We may record telephone calls to help us monitor and improve the service we provide. For further information on how your information is used and your rights in relation to your information please see our privacy policy at www.hiscox.co.uk/cookies-privacy. The Direct Debit Guarantee This Guarantee is offered by all banks and building societies that accept instructions to pay Direct Debits. If there are any changes to the amount, date or frequency of your Direct Debit Hiscox Underwriting Ltd will notify you ten working days in advance of your account being debited or as otherwise agreed. If you request Hiscox Underwriting Ltd to collect a payment, confirmation of the amount and date will be given to you at the time of the request. If an error is made in the payment of your Direct Debit by Hiscox Underwriting Ltd or your bank or building society you are entitled to a full and immediate refund of the amount paid from your bank or building society. – If you receive a refund you are not entitled to, you must pay it back when Hiscox Underwriting Ltd asks you to. You can cancel a Direct Debit at anytime by simply contacting your bank or building society. Written confirmation maybe required. Please also notify us. Page / 1 Hiscox Business Insurance Policy summary JAC-PSC-UK-DC556(5.4) 17431b 07/20 Your Hiscox Business Insurance policy summaries This document contains the summaries for any policy covers you have selected to protect your business. These summaries outline the key information about your policies so you can be confident that you have understood what you have bought and what you are covered for. However, you should carefully read your policy in full and ensure that you understand its terms and conditions in full. If you have any queries, you should contact Hiscox or your insurance advisor. Your side of the bargain Remember, your premium and insurance are based on the details you have provided to us. Please make sure this information accurately reflects your business and that you inform us immediately if anything needs to change. Please also tell us of any changes in circumstances that may affect the services provided by us or the cover provided by your policy. This is particularly important before taking out a policy, but it also applies throughout the life of the policy too. You need to consider: ■if you fail to fairly present the risk to us, including by failing to disclose any information material to the insurance, you could invalidate the policy, claims may not be paid or the amount we pay maybe reduced; ■you should read and check all insurance documents to ensure that you are aware of the cover, limits and other terms that apply; ■if you fail to let us know of any changes to your circumstances during the period of insurance or, if when telling us about such changes you fail to present the risk to us fairly, you could invalidate the policy, claims may not be paid or the amount we pay maybe reduced; ■please be aware of all terms and conditions of your policy because failure to comply with them could invalidate it or result in us not paying a claim or reducing the amount we pay; ■in the event ofa claim, you should take note of the required procedures, such as giving Hiscox prompt notice of the claims, as stated in the policy documentation. In particular, if you fail to notify us when you first become aware ofa shortcoming, fact, or problem, admit you are liable for what has happened or appoint solicitors or other legal representation without our prior written approval, claims or defence costs may not be paid or the amount we pay maybe reduced; ■as with any insurance, you have an obligation to take reasonable steps to mitigate any loss or liability; ■if you make a fraudulent claim or try to deceive us, we may terminate the policy. Policy length The period of insurance is shown on your policy schedule. Your policy schedule will also show if the policy is ona continuing cover basis. If itis ona continuing cover basis, we will renew your policy each year for another 12 months and continue to take payment (including any premium adjustment shown in your renewal invitation) using your existing arrangement, unless you tell us otherwise or if your risk changes. If your policy schedule does not show that the policy is ona continuing cover basis, cover will cease at the end of the period of insurance, unless you renew your policy with us. We will provide you witha statement of fact each year and provided that the information contained within the statement of fact is true, complete and accurate, you do not need to provide us with any further information. If any of the information in your statement of fact is not true, complete and accurate, you must let us know. If you do not let us know, it may affect the validity of the policy or our ability to pay a claim. Retroactive dates, geographical and jurisdiction limits Where any section of your policy schedule includes a retroactive date, we will not make any payment for any claim or loss under that section which arises from any activity performed or any act, incident or occurrence taking place, before the retroactive date. Where any section of your policy schedule shows the geographical limits which apply to that section of the policy, we will only pay for claims and losses under that section which arise from activities performed or acts, incidents or occurrences taking place within those geographical limits. Where any section provides cover in respect of your liability to third parties, we will only cover claims first made ina country within the applicable courts stated in that section of your policy schedule. Hiscox Business Insurance Policy summary JAC-PSC-UK-DC556(5.4) 17431b 07/20 Cancellation rights You can cancel this policy by giving us 30 days' notice. You will only be charged for the premiums due up to the date of cancellation. If we need to cancel the policy, we’ll give you 30 days’ notice in writing and refund any surplus premiums you might have paid. Please note – we may deduct an administration fee from any refunded payment.There is an exception to our 30-day notice period, which is triggered when we don’t receive your Direct Debit payments within the agreed 14-day period. At this point, we will contact you as soon as possible and stop the 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-Coates Hiscox Underwriting Ltd of 1 Great St. Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Certificate of professional indemnity Insurance Policy number:QB/IYFM9T1K8S9G Name of policy holder:Johnson-Coates Period of insurance: From 07/01/23 to 10 August, 2023 both days inclusive. This policy isa Continuing cover policy Insurer: Hiscox Insurance Company Limited Retroactive date: 28 September, 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: 07/01/23 Insurance details Policy number: QB/IYFM9T1K8S9G Period of insurance: From 07/01/23 to 10 August, 2023 both days inclusive. This policy isa Continuing cover policy. Insured: Johnson-Coates Address: Studio 66 Spencer stream Pattersonview FARNHAM RM93 0WE Additional insureds: None Business: Management Consultants Premium details Charged premium – the total amount you’ll pay for this policy. Charged premium: £7,155.23 Insurance Premium Tax (IPT): £8,166.67 Total charged premium: £1,808.23 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: £7,155.23 Insurance Premium Tax (IPT): £8,166.67 Annual total: £1,808.23 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 £470.14 Legal protection £100,000 £0 £9,304.59 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: 07/01/23 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 28 September, 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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QB/IYFM9T1K8S9G
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(?<=Policy number - )[-\w_\/\.]+?(?= Company name)
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07/01/23
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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 - 013CND9-7L/YDP//48VW/GB Company name: Knight-Thomas It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : 013CND9-7L/YDP//48VW/GB. Company name: Knight-Thomas. Your Hiscox Insurance premium. Last year’s annual premium: This year’s annual premium. £ 1,942.83. £ 1,942.83. The premium includes all applicable insurance premium tax (IPT). Dear Dr Kathryn Tomlinson. Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 28/10/2020 . 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. £3,802.49. £3,802.49. Legal protection. £4,139.45. £4,139.45. Crisis containment. £0.00. Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy . Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government increase in Insurance Premium Tax as shown. Is our information correct? Your premium and cover are based on what you’ve told us about Knight-Thomas , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay. . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover. Policy summary for each cover. ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover . As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before 28/10/2020 . 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 : 013CND9-7L/YDP//48VW/GB Company name: Knight-Thomas . It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : 013CND9-7L/YDP//48VW/GB Company name: Knight-Thomas . Your Hiscox Insurance premium Last year’s annual premium: This year’s annual premium The premium includes all applicable insurance premium tax (IPT). £ 1,942.83 £ 1,942.83 . Your Hiscox Insurance premium . Last year’s annual premium: This year’s annual premium £ 1,942.83 £ 1,942.83 . The premium includes all applicable insurance premium tax (IPT). Dear Dr Kathryn Tomlinson . Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 28/10/2020 . 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 £3,802.49 £3,802.49 Legal protection £4,139.45 £4,139.45 Crisis containment £0.00 Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government increase in Insurance Premium Tax as shown. Is our information correct? Your premium and cover are based on what you’ve told us about Knight-Thomas , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover Policy summary for each cover ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before 28/10/2020 . 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 28/10/2020 . 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 £3,802.49 £3,802.49 Legal protection £4,139.45 £4,139.45 Crisis containment £0.00 Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government increase in Insurance Premium Tax as shown. Is our information correct? Your premium and cover are based on what you’ve told us about Knight-Thomas , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover Policy summary for each cover ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before 28/10/2020 . 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) £3,802.49 £4,139.45 £0.00 . This year’s annual Premium (exc IPT) £3,802.49 £4,139.45 . Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) . Professional indemnity £3,802.49 £3,802.49 . Legal protection £4,139.45 £4,139.45 . Crisis containment £0.00 . Kind regards Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre . Kind regards . Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave . To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre . Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Page / 1 Hiscox Business Insurance Policy wording 17431a - DC565 WORDING 04/17Guide to sectionsIntroduction Policy wordings General terms and conditions Professional indemnity for business management consultants Legal protection Crisis containment Hiscox Business Insurance Policy wording 17431a - DC565 WORDING 04/17IntroductionThank you for choosing Hiscox to protect your business. We hope that the language and layout of this policy wording are clear because we want you to understand the insurance we provide as well as the responsibilities we have to each other. Please read this document, including the policy schedule, policy summary and statement of fact, and let us know as soon as possible if any of the details are shown incorrectly. We always try to deliver to the highest standards of service. Your views are important to us, so if you feel that our service is below the standard you would expect from Hiscox, please contact us on the phone number shown in your policy schedule. Please note that some of the words we use in this insurance are shown in bold type. These words are defined in each section of the wording. Page / 1 Hiscox Insurance Payment schedule Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Thank you for continuing to pay for your policy by Direct Debit. Please check these details and let us know if anything is incorrect or if the schedule is not suitable. Your reference details Account holder name: Kathryn Tomlinson Frequency of collection: Annual Sort code: %BANK_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 03 June, 2025 £1,942.83 Where your chosen collection date falls ona non-working day then we will endeavour to collect the next working day. For your information, the collections will be made using the following reference number: Originator Identification Number: 293461 Reference Number: 013CND9-7L/YDP//48VW/GB If you have any questions about your policy or payments, please call us on 0800 280 0351. We’re here between 8:30am - 5:30pm Monday to Friday or you can email us at service@hiscox.co.uk. Using your personal information Hiscox isa trading name ofa number of Hiscox companies. The specific company acting asa data controller of your personal information will be listed in the documentation we provide to you. If you are unsure you can also contact us at anytime by telephoning 01904 681198 or by emailing us at dataprotectionofficer@hiscox.com. We collect and process information about you in order to provide insurance policies and to process claims. Your information is also used for business purposes such as fraud prevention and detection and financial management. This may involve sharing your information with, and obtaining information about you from, our group companies and third parties such as brokers, loss adjusters, credit reference agencies, service providers, professional advisors, our regulators or fraud prevention agencies. We may record telephone calls to help us monitor and improve the service we provide. For further information on how your information is used and your rights in relation to your information please see our privacy policy at www.hiscox.co.uk/cookies-privacy. The Direct Debit Guarantee This Guarantee is offered by all banks and building societies that accept instructions to pay Direct Debits. If there are any changes to the amount, date or frequency of your Direct Debit Hiscox Underwriting Ltd will notify you ten working days in advance of your account being debited or as otherwise agreed. If you request Hiscox Underwriting Ltd to collect a payment, confirmation of the amount and date will be given to you at the time of the request. If an error is made in the payment of your Direct Debit by Hiscox Underwriting Ltd or your bank or building society you are entitled to a full and immediate refund of the amount paid from your bank or building society. – If you receive a refund you are not entitled to, you must pay it back when Hiscox Underwriting Ltd asks you to. You can cancel a Direct Debit at anytime by simply contacting your bank or building society. Written confirmation maybe required. Please also notify us. Page / 1 Hiscox Business Insurance Policy summary JAC-PSC-UK-DC556(5.4) 17431b 07/20 Your Hiscox Business Insurance policy summaries This document contains the summaries for any policy covers you have selected to protect your business. These summaries outline the key information about your policies so you can be confident that you have understood what you have bought and what you are covered for. However, you should carefully read your policy in full and ensure that you understand its terms and conditions in full. If you have any queries, you should contact Hiscox or your insurance advisor. Your side of the bargain Remember, your premium and insurance are based on the details you have provided to us. Please make sure this information accurately reflects your business and that you inform us immediately if anything needs to change. Please also tell us of any changes in circumstances that may affect the services provided by us or the cover provided by your policy. This is particularly important before taking out a policy, but it also applies throughout the life of the policy too. You need to consider: ■if you fail to fairly present the risk to us, including by failing to disclose any information material to the insurance, you could invalidate the policy, claims may not be paid or the amount we pay maybe reduced; ■you should read and check all insurance documents to ensure that you are aware of the cover, limits and other terms that apply; ■if you fail to let us know of any changes to your circumstances during the period of insurance or, if when telling us about such changes you fail to present the risk to us fairly, you could invalidate the policy, claims may not be paid or the amount we pay maybe reduced; ■please be aware of all terms and conditions of your policy because failure to comply with them could invalidate it or result in us not paying a claim or reducing the amount we pay; ■in the event ofa claim, you should take note of the required procedures, such as giving Hiscox prompt notice of the claims, as stated in the policy documentation. In particular, if you fail to notify us when you first become aware ofa shortcoming, fact, or problem, admit you are liable for what has happened or appoint solicitors or other legal representation without our prior written approval, claims or defence costs may not be paid or the amount we pay maybe reduced; ■as with any insurance, you have an obligation to take reasonable steps to mitigate any loss or liability; ■if you make a fraudulent claim or try to deceive us, we may terminate the policy. Policy length The period of insurance is shown on your policy schedule. Your policy schedule will also show if the policy is ona continuing cover basis. If itis ona continuing cover basis, we will renew your policy each year for another 12 months and continue to take payment (including any premium adjustment shown in your renewal invitation) using your existing arrangement, unless you tell us otherwise or if your risk changes. If your policy schedule does not show that the policy is ona continuing cover basis, cover will cease at the end of the period of insurance, unless you renew your policy with us. We will provide you witha statement of fact each year and provided that the information contained within the statement of fact is true, complete and accurate, you do not need to provide us with any further information. If any of the information in your statement of fact is not true, complete and accurate, you must let us know. If you do not let us know, it may affect the validity of the policy or our ability to pay a claim. Retroactive dates, geographical and jurisdiction limits Where any section of your policy schedule includes a retroactive date, we will not make any payment for any claim or loss under that section which arises from any activity performed or any act, incident or occurrence taking place, before the retroactive date. Where any section of your policy schedule shows the geographical limits which apply to that section of the policy, we will only pay for claims and losses under that section which arise from activities performed or acts, incidents or occurrences taking place within those geographical limits. Where any section provides cover in respect of your liability to third parties, we will only cover claims first made ina country within the applicable courts stated in that section of your policy schedule. Hiscox Business Insurance Policy summary JAC-PSC-UK-DC556(5.4) 17431b 07/20 Cancellation rights You can cancel this policy by giving us 30 days' notice. You will only be charged for the premiums due up to the date of cancellation. If we need to cancel the policy, we’ll give you 30 days’ notice in writing and refund any surplus premiums you might have paid. Please note – we may deduct an administration fee from any refunded payment.There is an exception to our 30-day notice period, which is triggered when we don’t receive your Direct Debit payments within the agreed 14-day period. At this point, we will contact you as soon as possible and stop the 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-Thomas Hiscox Underwriting Ltd of 1 Great St. Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Certificate of professional indemnity Insurance Policy number:013CND9-7L/YDP//48VW/GB Name of policy holder:Knight-Thomas Period of insurance: From 28/10/2020 to 22 April, 2025 both days inclusive. This policy isa Continuing cover policy Insurer: Hiscox Insurance Company Limited Retroactive date: 05/10/21 Level of cover:£1,000,000 Signed on behalf of Hiscox Underwriting Limited as agent for the insurers Jon Dye CEO, Hiscox UK Notes: (a) This insurance is subject to policy terms and conditions and any special terms notified to the InsuredPage / 1 Hiscox Business Insurance Policy Schedule 14502 10/18 This schedule tells you what is insured with us. It should be read carefully with your policy wording(s) and statement of fact detailed elsewhere in this document. Schedule effective date: 28/10/2020 Insurance details Policy number: 013CND9-7L/YDP//48VW/GB Period of insurance: From 28/10/2020 to 22 April, 2025 both days inclusive. This policy isa Continuing cover policy. Insured: Knight-Thomas Address: 84 Kathryn courts Hallborough FARNHAM IP72 1ES Additional insureds: None Business: Management Consultants Premium details Charged premium – the total amount you’ll pay for this policy. Charged premium: £2,270.52 Insurance Premium Tax (IPT): £6,263.76 Total charged premium: £1,942.83 Annualised premium – the annual premium for this policy. This is given for comparison purposes. Please refer to the charged premium section for the amount you’ll pay for the policy. Annual premium: £2,270.52 Insurance Premium Tax (IPT): £6,263.76 Annual total: £1,942.83 Please note that there will be no refund or additional premium for any transaction which is less than £20 (excluding IPT). Hiscox Business Insurance Policy Schedule 14502 10/18 Summary Claims information If you need to make a claim: - For claims relating to your building or contents please contact our claims team on 0800 247 1902, 9.00am – 5:30pm Monday to Friday. If you wish to make a claim online, you can log most claims quickly and easily through our claims notification portal at https://claims.hiscox.co.uk/. Outside of normal business hours, if you require emergency assistance in relation to substantial damage to your property, you can speak to our 24-hour emergency assistance team using the telephone number above. Your policy schedule will state if property cover is included in your policy. Our out-of-hours emergency assistance team operate ona pay-and-claim basis and you will need to have credit card details available as appropriate. The team will then be able to direct you to essential tradesmen, emergency loss adjusters or disaster management companies in the event of substantial damage. - If there isa claim (or potential claim) against you bya third party, please email us at liability.claims@hiscox.com. If you need to speak to a member of the claims team urgently, please call our team on 0800 711 7156, 9.00am – 5:30pm Monday to Friday. If you wish to make a claim online, you can log most claims quickly and easily through our claims notification portal at https://claims.hiscox.co.uk/. You will need to provide your full name and contact details, the name of your business or organisation, your address and postcode, the policy reference and circumstances of the claim. The Important information and contact details section below contains additional information specific to the covers applicable to your policy. If you are unsure of who to contact please call our team on 0800 711 7156, 9.00am – 5:30pm Monday to Friday. They will ensure you get through to the correct claims team and let you know what actions you need to take. If anything happens that might be covered under the policy, you must comply with the obligations set out in General claims conditions, together with the obligations set out under Your obligations in the section or sections under which you are making the claim. Itis important that you read the policy for details of its terms in full. Your covers This isa summary of each section of your policy. See each section for cover details. Cover Insurance amount Excess Annual Premium (exc IPT) Professional indemnity £1,000,000 £1,000 £3,802.49 Legal protection £100,000 £0 £4,139.45 Crisis containment £25,000 - £0.00 The figures above are in summary only and are not in addition to the amount insured specified against each cover section below. Hiscox Business Insurance Policy Schedule 14502 10/18 SECTION: PROFESSIONAL INDEMNITY – MANAGEMENT CONSULTANTS Cover start date: 28/10/2020 Limit of indemnity £1,000,000 Limit applies to in the aggregate, including all costs Excess £1,000 Excess applies to each and every claim or loss, including all costs Geographical limits Worldwide Applicable courts Worldwide (excluding United States of America and Canada) Claims brought in USA or Canada Not covered Additional covers (in addition to overall limit of indemnity stated above) Cover Limit of indemnity Limit applies to Court attendance compensation - employees £250 per person, per day Court attendance compensation - directors and partners£500 per person, per day Court attendance compensation: in total £100,000 in the aggregate Special limits (included within not in addition to the overall limit of indemnity stated above) Cover Limit of indemnity Limit applies to Personal data claims £250,000 in the aggregate, including all costs Business activities Business managementPage / 2 consultant Retroactive date 05/10/21 Insurer Hiscox Insurance Company LimitedPage / 1 Hiscox Insurance Summary of change Introduction This document has been created to help you understand the key changes to your Hiscox Insurance policy and how they may impact you. Your policy continues to offer professional, tailored insurance to protect you and give you peace of mind that if you need us, you will be supported by our award winning claims team. If you have a query not covered by this document, or if you have any questions or concerns about your policy you should contact us. Frequently asked questions What if my circumstances change during the period of insurance? If your circumstances change during the period of insurance, you only need to let us know if the change means that any of the information in the Statement of Fact is no longer true, complete and accurate. If there are no such changes, you do not need to let us know. If any of the information within the Statement of Fact becomes no longer complete, true or accurate at any point during the period of insurance you must tell us as it may affect the validity of the policy or our ability to pay a claim. Additionally, if your contact details change then you should let us know straightaway. Where doI find the limits that apply to my policy? You can find your maximum allowable limits for turnover and wage rollin your Statement of Fact. You must check this information and tell us or your broker if you expect to exceed the maximum amounts shown. Please note these values may have changed. If there are special limits or special excesses applying to particular covers or types of losses these will be shown in the policy schedule. Please check your policy schedule carefully as they may have changed. My new schedule shows a different premium to last year? What has changed? If an underwriter has reviewed your policy then they may have manually adjusted your premium, for example if you’ve had claims in the last 12 months. Where doI find out about any endorsements on my policy? You will be able to see if an endorsement has been applied or removed by reviewing your Policy Schedule. If you have any queries or concerns, please contact us or your broker if you have one. Hiscox Insurance Summary of change Professional indemnity for business management consultants Summary of change Changes to the cover The following table shows the differences between our new policy wordings (5570 WD- PROF-UK-MAN(7), 15579 WD-PROF-UK-MAN-AG(3)) and our previous wordings (5570 WD-PROF-UK-MAN(6), 15579 WD-PROF-UK-MAN-AG(2)). This isa summary of the changes only. You should refer to the schedule and policy wording for the full description of the cover in place. Area of cover Previous policy New policy Improvement in cover Claims against you Advertising claims. We will pay claims arising from your advertising or branding for defamation or infringement of copyright or moral rights. This does not include claims for passing off, unauthorised use of trademarks or false or misleading advertising. Previously cover was not restricted to defamation or the infringement of copyright or moral rights.Covered Amended Your own lossesChanges to ‘what is covered’ Losses from dishonesty. Your losses arising from the dishonesty of your employees, sub-contractors or outsourcers.Covered Not covered Area of cover Previous policy New policy Improvement in cover Cyber incident. We will not pay claims relating to an actual or possible cyber attack, hacker or social engineering communication. Previously we excluded any virus not specifically targeted at your system.Covered Not covered Computer or digital technology error. We will not pay claims arising from any negligent act, error or omission in the operation or maintenance of computer or digital technology such as development, installation, patching or upgrading.Covered Not coveredChanges to ‘what is not covered’ Infrastructure. We will not pay claims arising from the failure of the service provided by internet, telecommunications, utilities or other infrastructure providers.Covered Not covered Hiscox Insurance Summary of change Personal data. We will not pay claims relating to personal data. We will pay such claims where they arise from your performance ofa business activity and which is not otherwise excluded. Subject to the limit shown in the schedule.Covered Not covered Other important changes Control of defence. Under the previous wording we had a duty to defend you against any covered claim brought against you. We now have the right but not the obligation to take control of the conduct of the claim including the appointment of legal representation. Please refer to the policy wording for full details. SOC-PROF-UK-MAN(1) 21367 01/21
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013CND9-7L/YDP//48VW/GB
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(?<=Policy number - )[-\w_\/\.]+?(?= Company name)
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28/10/2020
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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 - 6XOY0QQ.AFNM2 Company name: Lawrence, Griffiths and Kaur It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : 6XOY0QQ.AFNM2. Company name: Lawrence, Griffiths and Kaur. Your Hiscox Insurance premium. Last year’s annual premium: This year’s annual premium. £ 3,455.24. £ 3,455.24. The premium includes all applicable insurance premium tax (IPT). Dear Dr Sean Connolly. Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 07 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. £9,157.73. £9,157.73. Legal protection. £8,301.44. £8,301.44. 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 Lawrence, Griffiths and Kaur , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay. . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover. Policy summary for each cover. ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover . As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, 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 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 : 6XOY0QQ.AFNM2 Company name: Lawrence, Griffiths and Kaur . It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : 6XOY0QQ.AFNM2 Company name: Lawrence, Griffiths and Kaur . Your Hiscox Insurance premium Last year’s annual premium: This year’s annual premium The premium includes all applicable insurance premium tax (IPT). £ 3,455.24 £ 3,455.24 . Your Hiscox Insurance premium . Last year’s annual premium: This year’s annual premium £ 3,455.24 £ 3,455.24 . The premium includes all applicable insurance premium tax (IPT). Dear Dr Sean Connolly . Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 07 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 £9,157.73 £9,157.73 Legal protection £8,301.44 £8,301.44 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 Lawrence, Griffiths and Kaur , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover Policy summary for each cover ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, 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 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 07 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 £9,157.73 £9,157.73 Legal protection £8,301.44 £8,301.44 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 Lawrence, Griffiths and Kaur , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover Policy summary for each cover ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, 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 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) £9,157.73 £8,301.44 £0.00 . This year’s annual Premium (exc IPT) £9,157.73 £8,301.44 . Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) . Professional indemnity £9,157.73 £9,157.73 . Legal protection £8,301.44 £8,301.44 . 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: Sean Connolly Frequency of collection: Annual Sort code: %BANK_SORT_CODE_1% Account number: %BANK_ACCOUNT_NUMBER_1% Your Direct Debit schedule We will take payments on the dates outlined below: Date Amount Fri 31 May, 2024 £3,455.24 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: 6XOY0QQ.AFNM2 If you have any questions about your policy or payments, please call us on 0800 280 0351. We’re here between 8:30am - 5:30pm Monday to Friday or you can email us at service@hiscox.co.uk. Using your personal information Hiscox isa trading name ofa number of Hiscox companies. The specific company acting asa data controller of your personal information will be listed in the documentation we provide to you. If you are unsure you can also contact us at anytime by telephoning 01904 681198 or by emailing us at dataprotectionofficer@hiscox.com. We collect and process information about you in order to provide insurance policies and to process claims. Your information is also used for business purposes such as fraud prevention and detection and financial management. This may involve sharing your information with, and obtaining information about you from, our group companies and third parties such as brokers, loss adjusters, credit reference agencies, service providers, professional advisors, our regulators or fraud prevention agencies. We may record telephone calls to help us monitor and improve the service we provide. For further information on how your information is used and your rights in relation to your information please see our privacy policy at www.hiscox.co.uk/cookies-privacy. The Direct Debit Guarantee This Guarantee is offered by all banks and building societies that accept instructions to pay Direct Debits. If there are any changes to the amount, date or frequency of your Direct Debit Hiscox Underwriting Ltd will notify you ten working days in advance of your account being debited or as otherwise agreed. If you request Hiscox Underwriting Ltd to collect a payment, confirmation of the amount and date will be given to you at the time of the request. If an error is made in the payment of your Direct Debit by Hiscox Underwriting Ltd or your bank or building society you are entitled to a full and immediate refund of the amount paid from your bank or building society. – If you receive a refund you are not entitled to, you must pay it back when Hiscox Underwriting Ltd asks you to. You can cancel a Direct Debit at anytime by simply contacting your bank or building society. Written confirmation maybe required. Please also notify us. Page / 1 Hiscox Business Insurance Policy summary JAC-PSC-UK-DC556(5.4) 17431b 07/20 Your Hiscox Business Insurance policy summaries This document contains the summaries for any policy covers you have selected to protect your business. These summaries outline the key information about your policies so you can be confident that you have understood what you have bought and what you are covered for. However, you should carefully read your policy in full and ensure that you understand its terms and conditions in full. If you have any queries, you should contact Hiscox or your insurance advisor. Your side of the bargain Remember, your premium and insurance are based on the details you have provided to us. Please make sure this information accurately reflects your business and that you inform us immediately if anything needs to change. Please also tell us of any changes in circumstances that may affect the services provided by us or the cover provided by your policy. This is particularly important before taking out a policy, but it also applies throughout the life of the policy too. You need to consider: ■if you fail to fairly present the risk to us, including by failing to disclose any information material to the insurance, you could invalidate the policy, claims may not be paid or the amount we pay maybe reduced; ■you should read and check all insurance documents to ensure that you are aware of the cover, limits and other terms that apply; ■if you fail to let us know of any changes to your circumstances during the period of insurance or, if when telling us about such changes you fail to present the risk to us fairly, you could invalidate the policy, claims may not be paid or the amount we pay maybe reduced; ■please be aware of all terms and conditions of your policy because failure to comply with them could invalidate it or result in us not paying a claim or reducing the amount we pay; ■in the event ofa claim, you should take note of the required procedures, such as giving Hiscox prompt notice of the claims, as stated in the policy documentation. In particular, if you fail to notify us when you first become aware ofa shortcoming, fact, or problem, admit you are liable for what has happened or appoint solicitors or other legal representation without our prior written approval, claims or defence costs may not be paid or the amount we pay maybe reduced; ■as with any insurance, you have an obligation to take reasonable steps to mitigate any loss or liability; ■if you make a fraudulent claim or try to deceive us, we may terminate the policy. Policy length The period of insurance is shown on your policy schedule. Your policy schedule will also show if the policy is ona continuing cover basis. If itis ona continuing cover basis, we will renew your policy each year for another 12 months and continue to take payment (including any premium adjustment shown in your renewal invitation) using your existing arrangement, unless you tell us otherwise or if your risk changes. If your policy schedule does not show that the policy is ona continuing cover basis, cover will cease at the end of the period of insurance, unless you renew your policy with us. We will provide you witha statement of fact each year and provided that the information contained within the statement of fact is true, complete and accurate, you do not need to provide us with any further information. If any of the information in your statement of fact is not true, complete and accurate, you must let us know. If you do not let us know, it may affect the validity of the policy or our ability to pay a claim. Retroactive dates, geographical and jurisdiction limits Where any section of your policy schedule includes a retroactive date, we will not make any payment for any claim or loss under that section which arises from any activity performed or any act, incident or occurrence taking place, before the retroactive date. Where any section of your policy schedule shows the geographical limits which apply to that section of the policy, we will only pay for claims and losses under that section which arise from activities performed or acts, incidents or occurrences taking place within those geographical limits. Where any section provides cover in respect of your liability to third parties, we will only cover claims first made ina country within the applicable courts stated in that section of your policy schedule. Hiscox Business Insurance Policy summary JAC-PSC-UK-DC556(5.4) 17431b 07/20 Cancellation rights You can cancel this policy by giving us 30 days' notice. You will only be charged for the premiums due up to the date of cancellation. If we need to cancel the policy, we’ll give you 30 days’ notice in writing and refund any surplus premiums you might have paid. Please note – we may deduct an administration fee from any refunded payment.There is an exception to our 30-day notice period, which is triggered when we don’t receive your Direct Debit payments within the agreed 14-day period. At this point, we will contact you as soon as possible and stop the policyPage / 2 immediately. Underwritten by:Hiscox Underwriting Ltd on behalf of the insurers named in the schedule. Page / 1 Certificate of professional indemnity insurance Lawrence, Griffiths and Kaur Hiscox Underwriting Ltd of 1 Great St. Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Certificate of professional indemnity Insurance Policy number:6XOY0QQ.AFNM2 Name of policy holder:Lawrence, Griffiths and Kaur Period of insurance: From 07 February, 2023 to 04 December, 2022 both days inclusive. This policy isa Continuing cover policy Insurer: Hiscox Insurance Company Limited Retroactive date: 07 October, 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: 07 February, 2023 Insurance details Policy number: 6XOY0QQ.AFNM2 Period of insurance: From 07 February, 2023 to 04 December, 2022 both days inclusive. This policy isa Continuing cover policy. Insured: Lawrence, Griffiths and Kaur Address: Studio 1 Jeffrey center Hollandtown FARNHAM B5 5RU Additional insureds: None Business: Management Consultants Premium details Charged premium – the total amount you’ll pay for this policy. Charged premium: £2,649.25 Insurance Premium Tax (IPT): £7,026.62 Total charged premium: £3,455.24 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: £2,649.25 Insurance Premium Tax (IPT): £7,026.62 Annual total: £3,455.24 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 £9,157.73 Legal protection £100,000 £0 £8,301.44 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: 07 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 07 October, 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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6XOY0QQ.AFNM2
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(?<=Policy number - )[-\w_\/\.]+?(?= Company name)
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07 February, 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 - VX6NP_37U7 Company name: Dickinson-Talbot It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : VX6NP_37U7. Company name: Dickinson-Talbot. Your Hiscox Insurance premium. Last year’s annual premium: This year’s annual premium. £ 8,393.63. £ 8,393.63. The premium includes all applicable insurance premium tax (IPT). Dear Mrs Louis Davies. Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 18/11/2021 . 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. £5,964.16. £5,964.16. Legal protection. £1,484.01. £1,484.01. Crisis containment. £0.00. Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy . Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government increase in Insurance Premium Tax as shown. Is our information correct? Your premium and cover are based on what you’ve told us about Dickinson-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 18/11/2021 . 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 : VX6NP_37U7 Company name: Dickinson-Talbot . It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : VX6NP_37U7 Company name: Dickinson-Talbot . Your Hiscox Insurance premium Last year’s annual premium: This year’s annual premium The premium includes all applicable insurance premium tax (IPT). £ 8,393.63 £ 8,393.63 . Your Hiscox Insurance premium . Last year’s annual premium: This year’s annual premium £ 8,393.63 £ 8,393.63 . The premium includes all applicable insurance premium tax (IPT). Dear Mrs Louis Davies . Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 18/11/2021 . 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 £5,964.16 £5,964.16 Legal protection £1,484.01 £1,484.01 Crisis containment £0.00 Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government increase in Insurance Premium Tax as shown. Is our information correct? Your premium and cover are based on what you’ve told us about Dickinson-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 18/11/2021 . 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 18/11/2021 . 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 £5,964.16 £5,964.16 Legal protection £1,484.01 £1,484.01 Crisis containment £0.00 Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government increase in Insurance Premium Tax as shown. Is our information correct? Your premium and cover are based on what you’ve told us about Dickinson-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 18/11/2021 . 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) £5,964.16 £1,484.01 £0.00 . This year’s annual Premium (exc IPT) £5,964.16 £1,484.01 . Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) . Professional indemnity £5,964.16 £5,964.16 . Legal protection £1,484.01 £1,484.01 . Crisis containment £0.00 . Kind regards Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre . Kind regards . Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave . To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre . Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Page / 1 Hiscox Business Insurance Policy wording 17431a - DC565 WORDING 04/17Guide to sectionsIntroduction Policy wordings General terms and conditions Professional indemnity for business management consultants Legal protection Crisis containment Hiscox Business Insurance Policy wording 17431a - DC565 WORDING 04/17IntroductionThank you for choosing Hiscox to protect your business. We hope that the language and layout of this policy wording are clear because we want you to understand the insurance we provide as well as the responsibilities we have to each other. Please read this document, including the policy schedule, policy summary and statement of fact, and let us know as soon as possible if any of the details are shown incorrectly. We always try to deliver to the highest standards of service. Your views are important to us, so if you feel that our service is below the standard you would expect from Hiscox, please contact us on the phone number shown in your policy schedule. Please note that some of the words we use in this insurance are shown in bold type. These words are defined in each section of the wording. Page / 1 Hiscox Insurance Payment schedule Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Thank you for continuing to pay for your policy by Direct Debit. Please check these details and let us know if anything is incorrect or if the schedule is not suitable. Your reference details Account holder name: Louis 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 11/05/2021 £8,393.63 Where your chosen collection date falls ona non-working day then we will endeavour to collect the next working day. For your information, the collections will be made using the following reference number: Originator Identification Number: 293461 Reference Number: VX6NP_37U7 If you have any questions about your policy or payments, please call us on 0800 280 0351. We’re here between 8:30am - 5:30pm Monday to Friday or you can email us at service@hiscox.co.uk. Using your personal information Hiscox isa trading name ofa number of Hiscox companies. The specific company acting asa data controller of your personal information will be listed in the documentation we provide to you. If you are unsure you can also contact us at anytime by telephoning 01904 681198 or by emailing us at dataprotectionofficer@hiscox.com. We collect and process information about you in order to provide insurance policies and to process claims. Your information is also used for business purposes such as fraud prevention and detection and financial management. This may involve sharing your information with, and obtaining information about you from, our group companies and third parties such as brokers, loss adjusters, credit reference agencies, service providers, professional advisors, our regulators or fraud prevention agencies. We may record telephone calls to help us monitor and improve the service we provide. For further information on how your information is used and your rights in relation to your information please see our privacy policy at www.hiscox.co.uk/cookies-privacy. The Direct Debit Guarantee This Guarantee is offered by all banks and building societies that accept instructions to pay Direct Debits. If there are any changes to the amount, date or frequency of your Direct Debit Hiscox Underwriting Ltd will notify you ten working days in advance of your account being debited or as otherwise agreed. If you request Hiscox Underwriting Ltd to collect a payment, confirmation of the amount and date will be given to you at the time of the request. If an error is made in the payment of your Direct Debit by Hiscox Underwriting Ltd or your bank or building society you are entitled to a full and immediate refund of the amount paid from your bank or building society. – If you receive a refund you are not entitled to, you must pay it back when Hiscox Underwriting Ltd asks you to. You can cancel a Direct Debit at anytime by simply contacting your bank or building society. Written confirmation maybe required. Please also notify us. Page / 1 Hiscox Business Insurance Policy summary JAC-PSC-UK-DC556(5.4) 17431b 07/20 Your Hiscox Business Insurance policy summaries This document contains the summaries for any policy covers you have selected to protect your business. These summaries outline the key information about your policies so you can be confident that you have understood what you have bought and what you are covered for. However, you should carefully read your policy in full and ensure that you understand its terms and conditions in full. If you have any queries, you should contact Hiscox or your insurance advisor. Your side of the bargain Remember, your premium and insurance are based on the details you have provided to us. Please make sure this information accurately reflects your business and that you inform us immediately if anything needs to change. Please also tell us of any changes in circumstances that may affect the services provided by us or the cover provided by your policy. This is particularly important before taking out a policy, but it also applies throughout the life of the policy too. You need to consider: ■if you fail to fairly present the risk to us, including by failing to disclose any information material to the insurance, you could invalidate the policy, claims may not be paid or the amount we pay maybe reduced; ■you should read and check all insurance documents to ensure that you are aware of the cover, limits and other terms that apply; ■if you fail to let us know of any changes to your circumstances during the period of insurance or, if when telling us about such changes you fail to present the risk to us fairly, you could invalidate the policy, claims may not be paid or the amount we pay maybe reduced; ■please be aware of all terms and conditions of your policy because failure to comply with them could invalidate it or result in us not paying a claim or reducing the amount we pay; ■in the event ofa claim, you should take note of the required procedures, such as giving Hiscox prompt notice of the claims, as stated in the policy documentation. In particular, if you fail to notify us when you first become aware ofa shortcoming, fact, or problem, admit you are liable for what has happened or appoint solicitors or other legal representation without our prior written approval, claims or defence costs may not be paid or the amount we pay maybe reduced; ■as with any insurance, you have an obligation to take reasonable steps to mitigate any loss or liability; ■if you make a fraudulent claim or try to deceive us, we may terminate the policy. Policy length The period of insurance is shown on your policy schedule. Your policy schedule will also show if the policy is ona continuing cover basis. If itis ona continuing cover basis, we will renew your policy each year for another 12 months and continue to take payment (including any premium adjustment shown in your renewal invitation) using your existing arrangement, unless you tell us otherwise or if your risk changes. If your policy schedule does not show that the policy is ona continuing cover basis, cover will cease at the end of the period of insurance, unless you renew your policy with us. We will provide you witha statement of fact each year and provided that the information contained within the statement of fact is true, complete and accurate, you do not need to provide us with any further information. If any of the information in your statement of fact is not true, complete and accurate, you must let us know. If you do not let us know, it may affect the validity of the policy or our ability to pay a claim. Retroactive dates, geographical and jurisdiction limits Where any section of your policy schedule includes a retroactive date, we will not make any payment for any claim or loss under that section which arises from any activity performed or any act, incident or occurrence taking place, before the retroactive date. Where any section of your policy schedule shows the geographical limits which apply to that section of the policy, we will only pay for claims and losses under that section which arise from activities performed or acts, incidents or occurrences taking place within those geographical limits. Where any section provides cover in respect of your liability to third parties, we will only cover claims first made ina country within the applicable courts stated in that section of your policy schedule. Hiscox Business Insurance Policy summary JAC-PSC-UK-DC556(5.4) 17431b 07/20 Cancellation rights You can cancel this policy by giving us 30 days' notice. You will only be charged for the premiums due up to the date of cancellation. If we need to cancel the policy, we’ll give you 30 days’ notice in writing and refund any surplus premiums you might have paid. Please note – we may deduct an administration fee from any refunded payment.There is an exception to our 30-day notice period, which is triggered when we don’t receive your Direct Debit payments within the agreed 14-day period. At this point, we will contact you as soon as possible and stop the policyPage / 2 immediately. Underwritten by:Hiscox Underwriting Ltd on behalf of the insurers named in the schedule. Page / 1 Certificate of professional indemnity insurance Dickinson-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:VX6NP_37U7 Name of policy holder:Dickinson-Talbot Period of insurance: From 18/11/2021 to 15 October, 2021 both days inclusive. This policy isa Continuing cover policy Insurer: Hiscox Insurance Company Limited Retroactive date: 2025-05-08 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: 18/11/2021 Insurance details Policy number: VX6NP_37U7 Period of insurance: From 18/11/2021 to 15 October, 2021 both days inclusive. This policy isa Continuing cover policy. Insured: Dickinson-Talbot Address: Flat 6 Craig lane Allenburgh FARNHAM DD1 1YN Additional insureds: None Business: Management Consultants Premium details Charged premium – the total amount you’ll pay for this policy. Charged premium: £4,550.55 Insurance Premium Tax (IPT): £7,703.85 Total charged premium: £8,393.63 Annualised premium – the annual premium for this policy. This is given for comparison purposes. Please refer to the charged premium section for the amount you’ll pay for the policy. Annual premium: £4,550.55 Insurance Premium Tax (IPT): £7,703.85 Annual total: £8,393.63 Please note that there will be no refund or additional premium for any transaction which is less than £20 (excluding IPT). Hiscox Business Insurance Policy Schedule 14502 10/18 Summary Claims information If you need to make a claim: - For claims relating to your building or contents please contact our claims team on 0800 247 1902, 9.00am – 5:30pm Monday to Friday. If you wish to make a claim online, you can log most claims quickly and easily through our claims notification portal at https://claims.hiscox.co.uk/. Outside of normal business hours, if you require emergency assistance in relation to substantial damage to your property, you can speak to our 24-hour emergency assistance team using the telephone number above. Your policy schedule will state if property cover is included in your policy. Our out-of-hours emergency assistance team operate ona pay-and-claim basis and you will need to have credit card details available as appropriate. The team will then be able to direct you to essential tradesmen, emergency loss adjusters or disaster management companies in the event of substantial damage. - If there isa claim (or potential claim) against you bya third party, please email us at liability.claims@hiscox.com. If you need to speak to a member of the claims team urgently, please call our team on 0800 711 7156, 9.00am – 5:30pm Monday to Friday. If you wish to make a claim online, you can log most claims quickly and easily through our claims notification portal at https://claims.hiscox.co.uk/. You will need to provide your full name and contact details, the name of your business or organisation, your address and postcode, the policy reference and circumstances of the claim. The Important information and contact details section below contains additional information specific to the covers applicable to your policy. If you are unsure of who to contact please call our team on 0800 711 7156, 9.00am – 5:30pm Monday to Friday. They will ensure you get through to the correct claims team and let you know what actions you need to take. If anything happens that might be covered under the policy, you must comply with the obligations set out in General claims conditions, together with the obligations set out under Your obligations in the section or sections under which you are making the claim. Itis important that you read the policy for details of its terms in full. Your covers This isa summary of each section of your policy. See each section for cover details. Cover Insurance amount Excess Annual Premium (exc IPT) Professional indemnity £1,000,000 £1,000 £5,964.16 Legal protection £100,000 £0 £1,484.01 Crisis containment £25,000 - £0.00 The figures above are in summary only and are not in addition to the amount insured specified against each cover section below. Hiscox Business Insurance Policy Schedule 14502 10/18 SECTION: PROFESSIONAL INDEMNITY – MANAGEMENT CONSULTANTS Cover start date: 18/11/2021 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 2025-05-08 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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18/11/2021
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Hiscox Business Insurance - Policy number - ltsr.ifnokfxzvux Company name: Hammond Group It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : ltsr.ifnokfxzvux. Company name: Hammond Group. Your Hiscox Insurance premium. Last year’s annual premium: This year’s annual premium. £ 3,030.81. £ 3,030.81. The premium includes all applicable insurance premium tax (IPT). Dear Dr Dr Leigh Smith. Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 08 October, 2019 . Good news; if you want cover to continue with us and to make sure you stay protected by our award-winning cover, you do not need to do anything. We will update your policy onto our latest wording and continue to collect payment using the payment details we have for you. You must read the important information contained in this email and the attached documents. Your Hiscox Insurance Premium breakdown. The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). The amount shown as last year’s Annual premium will take into account any changes to the cover which may have been made during the last policy period. Cover. Last year’s annual premium (exc IPT). This year’s annual Premium (exc IPT). Professional indemnity. £1,958.11. £1,958.11. Legal protection. £1,444.70. £1,444.70. Crisis containment. £0.00. Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy . Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government increase in Insurance Premium Tax as shown. Is our information correct? Your premium and cover are based on what you’ve told us about Hammond Group , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay. . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover. Policy summary for each cover. ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover . As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before 08 October, 2019 . We’re here between 8:30am - 5:30pm Monday to Friday . Please note that we can only discuss policy changes with people named on the policy. Why renew with Hiscox. - Reassuring: we offer a range of cover options that can be tailored to your needs. - Flexible: we offer full flexibility to change your policy, with no administration fees . - Award-winning cover : we’ve been named Best Small Business Insurer 7 years running by Start Your Business Magazine . Please click this link for the Hiscox Referral Portal: https://refer.aklamio.com/hiscox/uk?source=postpurchase. Thank you again for choosing Hiscox to insure your business. We hope you and your business have a very successful year. Kind regards. Jon Dye. CEO, Hiscox UK. Business Insurance for the small and the brave. To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre. Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. This email and any files transmitted with it are confidential and intended solely for the use of the individual or entity to whom they are addressed. No one else is authorised to distribute, forward, print, copy or act upon any information contained in this email. If you have received this email in error, please notify the sender. Hiscox Syndicates Limited and Hiscox Insurance Company Limited are authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Hiscox Underwriting Limited, Hiscox Underwriting Services Ltd, Hiscox MGA Ltd and Hiscox ASM Ltd are authorised and regulated by the Financial Conduct Authority. Hiscox Assure SAS is duly registered as an insurance broker with the ORIAS, which is the French Official Registry of Insurance Intermediaries. Hiscox plc is a company registered in England and Wales under company registration number 2837811 and registered office at 1 Great St Helen's, London EC3A 6HX. Hiscox SA is a company registered in Luxembourg at 35 Avenue John F. Kennedy 35F, Luxembourg L-1855, and is authorised by the Commissariat aux Assurances de Luxembourg. It’s time to renew your Hiscox Business Insurance Hiscox Insurance policy number : ltsr.ifnokfxzvux Company name: Hammond Group . It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : ltsr.ifnokfxzvux Company name: Hammond Group . Your Hiscox Insurance premium Last year’s annual premium: This year’s annual premium The premium includes all applicable insurance premium tax (IPT). £ 3,030.81 £ 3,030.81 . Your Hiscox Insurance premium . Last year’s annual premium: This year’s annual premium £ 3,030.81 £ 3,030.81 . The premium includes all applicable insurance premium tax (IPT). Dear Dr Dr Leigh Smith . Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 08 October, 2019 . Good news; if you want cover to continue with us and to make sure you stay protected by our award-winning cover, you do not need to do anything. We will update your policy onto our latest wording and continue to collect payment using the payment details we have for you. You must read the important information contained in this email and the attached documents Your Hiscox Insurance Premium breakdown The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). The amount shown as last year’s Annual premium will take into account any changes to the cover which may have been made during the last policy period. Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) Professional indemnity £1,958.11 £1,958.11 Legal protection £1,444.70 £1,444.70 Crisis containment £0.00 Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government increase in Insurance Premium Tax as shown. Is our information correct? Your premium and cover are based on what you’ve told us about Hammond Group , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover Policy summary for each cover ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before 08 October, 2019 . We’re here between 8:30am - 5:30pm Monday to Friday . Please note that we can only discuss policy changes with people named on the policy. Why renew with Hiscox - Reassuring: we offer a range of cover options that can be tailored to your needs - Flexible: we offer full flexibility to change your policy, with no administration fees - Award-winning cover : we’ve been named Best Small Business Insurer 7 years running by Start Your Business Magazine Please click this link for the Hiscox Referral Portal: https://refer.aklamio.com/hiscox/uk?source=postpurchase Thank you again for choosing Hiscox to insure your business. We hope you and your business have a very successful year. Kind regards Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 08 October, 2019 . Good news; if you want cover to continue with us and to make sure you stay protected by our award-winning cover, you do not need to do anything. We will update your policy onto our latest wording and continue to collect payment using the payment details we have for you. You must read the important information contained in this email and the attached documents Your Hiscox Insurance Premium breakdown The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). The amount shown as last year’s Annual premium will take into account any changes to the cover which may have been made during the last policy period. Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) Professional indemnity £1,958.11 £1,958.11 Legal protection £1,444.70 £1,444.70 Crisis containment £0.00 Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government increase in Insurance Premium Tax as shown. Is our information correct? Your premium and cover are based on what you’ve told us about Hammond Group , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover Policy summary for each cover ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before 08 October, 2019 . We’re here between 8:30am - 5:30pm Monday to Friday . Please note that we can only discuss policy changes with people named on the policy. Why renew with Hiscox - Reassuring: we offer a range of cover options that can be tailored to your needs - Flexible: we offer full flexibility to change your policy, with no administration fees - Award-winning cover : we’ve been named Best Small Business Insurer 7 years running by Start Your Business Magazine Please click this link for the Hiscox Referral Portal: https://refer.aklamio.com/hiscox/uk?source=postpurchase Thank you again for choosing Hiscox to insure your business. We hope you and your business have a very successful year. Kind regards Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Your Hiscox Insurance Premium breakdown The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). Cover Professional indemnity Legal protection Crisis containment . Last year’s annual premium (exc IPT) £1,958.11 £1,444.70 £0.00 . This year’s annual Premium (exc IPT) £1,958.11 £1,444.70 . Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) . Professional indemnity £1,958.11 £1,958.11 . Legal protection £1,444.70 £1,444.70 . Crisis containment £0.00 . Kind regards Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre . Kind regards . Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave . To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre . Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Page / 1 Hiscox Business Insurance Policy wording 17431a - DC565 WORDING 04/17Guide to sectionsIntroduction Policy wordings General terms and conditions Professional indemnity for business management consultants Legal protection Crisis containment Hiscox Business Insurance Policy wording 17431a - DC565 WORDING 04/17IntroductionThank you for choosing Hiscox to protect your business. We hope that the language and layout of this policy wording are clear because we want you to understand the insurance we provide as well as the responsibilities we have to each other. Please read this document, including the policy schedule, policy summary and statement of fact, and let us know as soon as possible if any of the details are shown incorrectly. We always try to deliver to the highest standards of service. Your views are important to us, so if you feel that our service is below the standard you would expect from Hiscox, please contact us on the phone number shown in your policy schedule. Please note that some of the words we use in this insurance are shown in bold type. These words are defined in each section of the wording. Page / 1 Hiscox Insurance Payment schedule Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Thank you for continuing to pay for your policy by Direct Debit. Please 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 Leigh 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 06/09/2021 £3,030.81 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: ltsr.ifnokfxzvux If you have any questions about your policy or payments, please call us on 0800 280 0351. We’re here between 8:30am - 5:30pm Monday to Friday or you can email us at service@hiscox.co.uk. Using your personal information Hiscox isa trading name ofa number of Hiscox companies. The specific company acting asa data controller of your personal information will be listed in the documentation we provide to you. If you are unsure you can also contact us at anytime by telephoning 01904 681198 or by emailing us at dataprotectionofficer@hiscox.com. We collect and process information about you in order to provide insurance policies and to process claims. Your information is also used for business purposes such as fraud prevention and detection and financial management. This may involve sharing your information with, and obtaining information about you from, our group companies and third parties such as brokers, loss adjusters, credit reference agencies, service providers, professional advisors, our regulators or fraud prevention agencies. We may record telephone calls to help us monitor and improve the service we provide. For further information on how your information is used and your rights in relation to your information please see our privacy policy at www.hiscox.co.uk/cookies-privacy. The Direct Debit Guarantee This Guarantee is offered by all banks and building societies that accept instructions to pay Direct Debits. If there are any changes to the amount, date or frequency of your Direct Debit Hiscox Underwriting Ltd will notify you ten working days in advance of your account being debited or as otherwise agreed. If you request Hiscox Underwriting Ltd to collect a payment, confirmation of the amount and date will be given to you at the time of the request. If an error is made in the payment of your Direct Debit by Hiscox Underwriting Ltd or your bank or building society you are entitled to a full and immediate refund of the amount paid from your bank or building society. – If you receive a refund you are not entitled to, you must pay it back when Hiscox Underwriting Ltd asks you to. You can cancel a Direct Debit at anytime by simply contacting your bank or building society. Written confirmation maybe required. Please also notify us. Page / 1 Hiscox Business Insurance Policy summary JAC-PSC-UK-DC556(5.4) 17431b 07/20 Your Hiscox Business Insurance policy summaries This document contains the summaries for any policy covers you have selected to protect your business. These summaries outline the key information about your policies so you can be confident that you have understood what you have bought and what you are covered for. However, you should carefully read your policy in full and ensure that you understand its terms and conditions in full. If you have any queries, you should contact Hiscox or your insurance advisor. Your side of the bargain Remember, your premium and insurance are based on the details you have provided to us. Please make sure this information accurately reflects your business and that you inform us immediately if anything needs to change. Please also tell us of any changes in circumstances that may affect the services provided by us or the cover provided by your policy. This is particularly important before taking out a policy, but it also applies throughout the life of the policy too. You need to consider: ■if you fail to fairly present the risk to us, including by failing to disclose any information material to the insurance, you could invalidate the policy, claims may not be paid or the amount we pay maybe reduced; ■you should read and check all insurance documents to ensure that you are aware of the cover, limits and other terms that apply; ■if you fail to let us know of any changes to your circumstances during the period of insurance or, if when telling us about such changes you fail to present the risk to us fairly, you could invalidate the policy, claims may not be paid or the amount we pay maybe reduced; ■please be aware of all terms and conditions of your policy because failure to comply with them could invalidate it or result in us not paying a claim or reducing the amount we pay; ■in the event ofa claim, you should take note of the required procedures, such as giving Hiscox prompt notice of the claims, as stated in the policy documentation. In particular, if you fail to notify us when you first become aware ofa shortcoming, fact, or problem, admit you are liable for what has happened or appoint solicitors or other legal representation without our prior written approval, claims or defence costs may not be paid or the amount we pay maybe reduced; ■as with any insurance, you have an obligation to take reasonable steps to mitigate any loss or liability; ■if you make a fraudulent claim or try to deceive us, we may terminate the policy. Policy length The period of insurance is shown on your policy schedule. Your policy schedule will also show if the policy is ona continuing cover basis. If itis ona continuing cover basis, we will renew your policy each year for another 12 months and continue to take payment (including any premium adjustment shown in your renewal invitation) using your existing arrangement, unless you tell us otherwise or if your risk changes. If your policy schedule does not show that the policy is ona continuing cover basis, cover will cease at the end of the period of insurance, unless you renew your policy with us. We will provide you witha statement of fact each year and provided that the information contained within the statement of fact is true, complete and accurate, you do not need to provide us with any further information. If any of the information in your statement of fact is not true, complete and accurate, you must let us know. If you do not let us know, it may affect the validity of the policy or our ability to pay a claim. Retroactive dates, geographical and jurisdiction limits Where any section of your policy schedule includes a retroactive date, we will not make any payment for any claim or loss under that section which arises from any activity performed or any act, incident or occurrence taking place, before the retroactive date. Where any section of your policy schedule shows the geographical limits which apply to that section of the policy, we will only pay for claims and losses under that section which arise from activities performed or acts, incidents or occurrences taking place within those geographical limits. Where any section provides cover in respect of your liability to third parties, we will only cover claims first made ina country within the applicable courts stated in that section of your policy schedule. Hiscox Business Insurance Policy summary JAC-PSC-UK-DC556(5.4) 17431b 07/20 Cancellation rights You can cancel this policy by giving us 30 days' notice. You will only be charged for the premiums due up to the date of cancellation. If we need to cancel the policy, we’ll give you 30 days’ notice in writing and refund any surplus premiums you might have paid. Please note – we may deduct an administration fee from any refunded payment.There is an exception to our 30-day notice period, which is triggered when we don’t receive your Direct Debit payments within the agreed 14-day period. At this point, we will contact you as soon as possible and stop the policyPage / 2 immediately. Underwritten by:Hiscox Underwriting Ltd on behalf of the insurers named in the schedule. Page / 1 Certificate of professional indemnity insurance Hammond 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:ltsr.ifnokfxzvux Name of policy holder:Hammond Group Period of insurance: From 08 October, 2019 to Sun 17 February, 2019 both days inclusive. This policy isa Continuing cover policy Insurer: Hiscox Insurance Company Limited Retroactive date: Monday 11 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: 08 October, 2019 Insurance details Policy number: ltsr.ifnokfxzvux Period of insurance: From 08 October, 2019 to Sun 17 February, 2019 both days inclusive. This policy isa Continuing cover policy. Insured: Hammond Group Address: 496 Declan unions West Chloe FARNHAM N7F 2UP Additional insureds: None Business: Management Consultants Premium details Charged premium – the total amount you’ll pay for this policy. Charged premium: £6,664.49 Insurance Premium Tax (IPT): £9,461.36 Total charged premium: £3,030.81 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: £6,664.49 Insurance Premium Tax (IPT): £9,461.36 Annual total: £3,030.81 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 £1,958.11 Legal protection £100,000 £0 £1,444.70 Crisis containment £25,000 - £0.00 The figures above are in summary only and are not in addition to the amount insured specified against each cover section below. Hiscox Business Insurance Policy Schedule 14502 10/18 SECTION: PROFESSIONAL INDEMNITY – MANAGEMENT CONSULTANTS Cover start date: 08 October, 2019 Limit of indemnity £1,000,000 Limit applies to in the aggregate, including all costs Excess £1,000 Excess applies to each and every claim or loss, including all costs Geographical limits Worldwide Applicable courts Worldwide (excluding United States of America and Canada) Claims brought in USA or Canada Not covered Additional covers (in addition to overall limit of indemnity stated above) Cover Limit of indemnity Limit applies to Court attendance compensation - employees £250 per person, per day Court attendance compensation - directors and partners£500 per person, per day Court attendance compensation: in total £100,000 in the aggregate Special limits (included within not in addition to the overall limit of indemnity stated above) Cover Limit of indemnity Limit applies to Personal data claims £250,000 in the aggregate, including all costs Business activities Business managementPage / 2 consultant Retroactive date Monday 11 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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ltsr.ifnokfxzvux
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(?<=Policy number - )[-\w_\/\.]+?(?= Company name)
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08 October, 2019
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(?<=anniversary of your policy is approaching on )[-\w_\/\. ,]+?(?= \.)
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Business
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(?<=time to renew your Hiscox )[-\w_\/\. ]+?(?= Insurance)
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2024-02-05
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hiscox-business-2
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Hiscox Business Insurance - Policy number - 0KH74Z/KHUXAWR7X Company name: Patel-Lee It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : 0KH74Z/KHUXAWR7X. Company name: Patel-Lee. Your Hiscox Insurance premium. Last year’s annual premium: This year’s annual premium. £ 6,305.09. £ 6,305.09. The premium includes all applicable insurance premium tax (IPT). Dear Dr Jessica Matthews. Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 02/03/21 . 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. £5,046.35. £5,046.35. Legal protection. £306.79. £306.79. Crisis containment. £0.00. Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy . Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government increase in Insurance Premium Tax as shown. Is our information correct? Your premium and cover are based on what you’ve told us about Patel-Lee , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay. . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover. Policy summary for each cover. ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover . As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before 02/03/21 . 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 : 0KH74Z/KHUXAWR7X Company name: Patel-Lee . It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : 0KH74Z/KHUXAWR7X Company name: Patel-Lee . Your Hiscox Insurance premium Last year’s annual premium: This year’s annual premium The premium includes all applicable insurance premium tax (IPT). £ 6,305.09 £ 6,305.09 . Your Hiscox Insurance premium . Last year’s annual premium: This year’s annual premium £ 6,305.09 £ 6,305.09 . The premium includes all applicable insurance premium tax (IPT). Dear Dr Jessica Matthews . Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 02/03/21 . 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 £5,046.35 £5,046.35 Legal protection £306.79 £306.79 Crisis containment £0.00 Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government increase in Insurance Premium Tax as shown. Is our information correct? Your premium and cover are based on what you’ve told us about Patel-Lee , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover Policy summary for each cover ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before 02/03/21 . 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 02/03/21 . 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 £5,046.35 £5,046.35 Legal protection £306.79 £306.79 Crisis containment £0.00 Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government increase in Insurance Premium Tax as shown. Is our information correct? Your premium and cover are based on what you’ve told us about Patel-Lee , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover Policy summary for each cover ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before 02/03/21 . 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) £5,046.35 £306.79 £0.00 . This year’s annual Premium (exc IPT) £5,046.35 £306.79 . Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) . Professional indemnity £5,046.35 £5,046.35 . Legal protection £306.79 £306.79 . Crisis containment £0.00 . Kind regards Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre . Kind regards . Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave . To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre . Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Page / 1 Hiscox Business Insurance Policy wording 17431a - DC565 WORDING 04/17Guide to sectionsIntroduction Policy wordings General terms and conditions Professional indemnity for business management consultants Legal protection Crisis containment Hiscox Business Insurance Policy wording 17431a - DC565 WORDING 04/17IntroductionThank you for choosing Hiscox to protect your business. We hope that the language and layout of this policy wording are clear because we want you to understand the insurance we provide as well as the responsibilities we have to each other. Please read this document, including the policy schedule, policy summary and statement of fact, and let us know as soon as possible if any of the details are shown incorrectly. We always try to deliver to the highest standards of service. Your views are important to us, so if you feel that our service is below the standard you would expect from Hiscox, please contact us on the phone number shown in your policy schedule. Please note that some of the words we use in this insurance are shown in bold type. These words are defined in each section of the wording. Page / 1 Hiscox Insurance Payment schedule Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Thank you for continuing to pay for your policy by Direct Debit. Please check these details and let us know if anything is incorrect or if the schedule is not suitable. Your reference details Account holder name: Jessica Matthews Frequency of collection: Annual Sort code: %BANK_SORT_CODE_1% Account number: %BANK_ACCOUNT_NUMBER_1% Your Direct Debit schedule We will take payments on the dates outlined below: Date Amount 21/05/2021 £6,305.09 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: 0KH74Z/KHUXAWR7X If you have any questions about your policy or payments, please call us on 0800 280 0351. We’re here between 8:30am - 5:30pm Monday to Friday or you can email us at service@hiscox.co.uk. Using your personal information Hiscox isa trading name ofa number of Hiscox companies. The specific company acting asa data controller of your personal information will be listed in the documentation we provide to you. If you are unsure you can also contact us at anytime by telephoning 01904 681198 or by emailing us at dataprotectionofficer@hiscox.com. We collect and process information about you in order to provide insurance policies and to process claims. Your information is also used for business purposes such as fraud prevention and detection and financial management. This may involve sharing your information with, and obtaining information about you from, our group companies and third parties such as brokers, loss adjusters, credit reference agencies, service providers, professional advisors, our regulators or fraud prevention agencies. We may record telephone calls to help us monitor and improve the service we provide. For further information on how your information is used and your rights in relation to your information please see our privacy policy at www.hiscox.co.uk/cookies-privacy. The Direct Debit Guarantee This Guarantee is offered by all banks and building societies that accept instructions to pay Direct Debits. If there are any changes to the amount, date or frequency of your Direct Debit Hiscox Underwriting Ltd will notify you ten working days in advance of your account being debited or as otherwise agreed. If you request Hiscox Underwriting Ltd to collect a payment, confirmation of the amount and date will be given to you at the time of the request. If an error is made in the payment of your Direct Debit by Hiscox Underwriting Ltd or your bank or building society you are entitled to a full and immediate refund of the amount paid from your bank or building society. – If you receive a refund you are not entitled to, you must pay it back when Hiscox Underwriting Ltd asks you to. You can cancel a Direct Debit at anytime by simply contacting your bank or building society. Written confirmation maybe required. Please also notify us. Page / 1 Hiscox Business Insurance Policy summary JAC-PSC-UK-DC556(5.4) 17431b 07/20 Your Hiscox Business Insurance policy summaries This document contains the summaries for any policy covers you have selected to protect your business. These summaries outline the key information about your policies so you can be confident that you have understood what you have bought and what you are covered for. However, you should carefully read your policy in full and ensure that you understand its terms and conditions in full. If you have any queries, you should contact Hiscox or your insurance advisor. Your side of the bargain Remember, your premium and insurance are based on the details you have provided to us. Please make sure this information accurately reflects your business and that you inform us immediately if anything needs to change. Please also tell us of any changes in circumstances that may affect the services provided by us or the cover provided by your policy. This is particularly important before taking out a policy, but it also applies throughout the life of the policy too. You need to consider: ■if you fail to fairly present the risk to us, including by failing to disclose any information material to the insurance, you could invalidate the policy, claims may not be paid or the amount we pay maybe reduced; ■you should read and check all insurance documents to ensure that you are aware of the cover, limits and other terms that apply; ■if you fail to let us know of any changes to your circumstances during the period of insurance or, if when telling us about such changes you fail to present the risk to us fairly, you could invalidate the policy, claims may not be paid or the amount we pay maybe reduced; ■please be aware of all terms and conditions of your policy because failure to comply with them could invalidate it or result in us not paying a claim or reducing the amount we pay; ■in the event ofa claim, you should take note of the required procedures, such as giving Hiscox prompt notice of the claims, as stated in the policy documentation. In particular, if you fail to notify us when you first become aware ofa shortcoming, fact, or problem, admit you are liable for what has happened or appoint solicitors or other legal representation without our prior written approval, claims or defence costs may not be paid or the amount we pay maybe reduced; ■as with any insurance, you have an obligation to take reasonable steps to mitigate any loss or liability; ■if you make a fraudulent claim or try to deceive us, we may terminate the policy. Policy length The period of insurance is shown on your policy schedule. Your policy schedule will also show if the policy is ona continuing cover basis. If itis ona continuing cover basis, we will renew your policy each year for another 12 months and continue to take payment (including any premium adjustment shown in your renewal invitation) using your existing arrangement, unless you tell us otherwise or if your risk changes. If your policy schedule does not show that the policy is ona continuing cover basis, cover will cease at the end of the period of insurance, unless you renew your policy with us. We will provide you witha statement of fact each year and provided that the information contained within the statement of fact is true, complete and accurate, you do not need to provide us with any further information. If any of the information in your statement of fact is not true, complete and accurate, you must let us know. If you do not let us know, it may affect the validity of the policy or our ability to pay a claim. Retroactive dates, geographical and jurisdiction limits Where any section of your policy schedule includes a retroactive date, we will not make any payment for any claim or loss under that section which arises from any activity performed or any act, incident or occurrence taking place, before the retroactive date. Where any section of your policy schedule shows the geographical limits which apply to that section of the policy, we will only pay for claims and losses under that section which arise from activities performed or acts, incidents or occurrences taking place within those geographical limits. Where any section provides cover in respect of your liability to third parties, we will only cover claims first made ina country within the applicable courts stated in that section of your policy schedule. Hiscox Business Insurance Policy summary JAC-PSC-UK-DC556(5.4) 17431b 07/20 Cancellation rights You can cancel this policy by giving us 30 days' notice. You will only be charged for the premiums due up to the date of cancellation. If we need to cancel the policy, we’ll give you 30 days’ notice in writing and refund any surplus premiums you might have paid. Please note – we may deduct an administration fee from any refunded payment.There is an exception to our 30-day notice period, which is triggered when we don’t receive your Direct Debit payments within the agreed 14-day period. At this point, we will contact you as soon as possible and stop the policyPage / 2 immediately. Underwritten by:Hiscox Underwriting Ltd on behalf of the insurers named in the schedule. Page / 1 Certificate of professional indemnity insurance Patel-Lee Hiscox Underwriting Ltd of 1 Great St. Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Certificate of professional indemnity Insurance Policy number:0KH74Z/KHUXAWR7X Name of policy holder:Patel-Lee Period of insurance: From 02/03/21 to 01/01/2022 both days inclusive. This policy isa Continuing cover policy Insurer: Hiscox Insurance Company Limited Retroactive date: Sat 16 February, 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: 02/03/21 Insurance details Policy number: 0KH74Z/KHUXAWR7X Period of insurance: From 02/03/21 to 01/01/2022 both days inclusive. This policy isa Continuing cover policy. Insured: Patel-Lee Address: Flat 61K Lee view Pattersontown FARNHAM E9 1DJ Additional insureds: None Business: Management Consultants Premium details Charged premium – the total amount you’ll pay for this policy. Charged premium: £6,608.34 Insurance Premium Tax (IPT): £670.20 Total charged premium: £6,305.09 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: £6,608.34 Insurance Premium Tax (IPT): £670.20 Annual total: £6,305.09 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 £5,046.35 Legal protection £100,000 £0 £306.79 Crisis containment £25,000 - £0.00 The figures above are in summary only and are not in addition to the amount insured specified against each cover section below. Hiscox Business Insurance Policy Schedule 14502 10/18 SECTION: PROFESSIONAL INDEMNITY – MANAGEMENT CONSULTANTS Cover start date: 02/03/21 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 Sat 16 February, 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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0KH74Z/KHUXAWR7X
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(?<=Policy number - )[-\w_\/\.]+?(?= Company name)
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02/03/21
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(?<=anniversary of your policy is approaching on )[-\w_\/\. ,]+?(?= \.)
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Business
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(?<=time to renew your Hiscox )[-\w_\/\. ]+?(?= Insurance)
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2024-02-05
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hiscox-business-2
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Hiscox Business Insurance - Policy number - BDP/UBHG/EEI Company name: Clayton Inc It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : BDP/UBHG/EEI. Company name: Clayton Inc. Your Hiscox Insurance premium. Last year’s annual premium: This year’s annual premium. £ 3,214.10. £ 3,214.10. The premium includes all applicable insurance premium tax (IPT). Dear Miss Donald Jones. Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 2025-10-01 . 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. £5,782.92. £5,782.92. Legal protection. £8,202.89. £8,202.89. 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 Clayton Inc , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay. . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover. Policy summary for each cover. ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover . As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before 2025-10-01 . 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 : BDP/UBHG/EEI Company name: Clayton Inc . It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : BDP/UBHG/EEI Company name: Clayton Inc . Your Hiscox Insurance premium Last year’s annual premium: This year’s annual premium The premium includes all applicable insurance premium tax (IPT). £ 3,214.10 £ 3,214.10 . Your Hiscox Insurance premium . Last year’s annual premium: This year’s annual premium £ 3,214.10 £ 3,214.10 . The premium includes all applicable insurance premium tax (IPT). Dear Miss Donald Jones . Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 2025-10-01 . 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 £5,782.92 £5,782.92 Legal protection £8,202.89 £8,202.89 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 Clayton Inc , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover Policy summary for each cover ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before 2025-10-01 . We’re here between 8:30am - 5:30pm Monday to Friday . Please note that we can only discuss policy changes with people named on the policy. Why renew with Hiscox - Reassuring: we offer a range of cover options that can be tailored to your needs - Flexible: we offer full flexibility to change your policy, with no administration fees - Award-winning cover : we’ve been named Best Small Business Insurer 7 years running by Start Your Business Magazine Please click this link for the Hiscox Referral Portal: https://refer.aklamio.com/hiscox/uk?source=postpurchase Thank you again for choosing Hiscox to insure your business. We hope you and your business have a very successful year. Kind regards Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 2025-10-01 . 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 £5,782.92 £5,782.92 Legal protection £8,202.89 £8,202.89 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 Clayton Inc , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover Policy summary for each cover ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before 2025-10-01 . 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) £5,782.92 £8,202.89 £0.00 . This year’s annual Premium (exc IPT) £5,782.92 £8,202.89 . Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) . Professional indemnity £5,782.92 £5,782.92 . Legal protection £8,202.89 £8,202.89 . 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: Donald Jones Frequency of collection: Annual Sort code: %BANK_SORT_CODE_1% Account number: %BANK_ACCOUNT_NUMBER_1% Your Direct Debit schedule We will take payments on the dates outlined below: Date Amount Sunday 14 November, 2021 £3,214.10 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: BDP/UBHG/EEI If you have any questions about your policy or payments, please call us on 0800 280 0351. We’re here between 8:30am - 5:30pm Monday to Friday or you can email us at service@hiscox.co.uk. Using your personal information Hiscox isa trading name ofa number of Hiscox companies. The specific company acting asa data controller of your personal information will be listed in the documentation we provide to you. If you are unsure you can also contact us at anytime by telephoning 01904 681198 or by emailing us at dataprotectionofficer@hiscox.com. We collect and process information about you in order to provide insurance policies and to process claims. Your information is also used for business purposes such as fraud prevention and detection and financial management. This may involve sharing your information with, and obtaining information about you from, our group companies and third parties such as brokers, loss adjusters, credit reference agencies, service providers, professional advisors, our regulators or fraud prevention agencies. We may record telephone calls to help us monitor and improve the service we provide. For further information on how your information is used and your rights in relation to your information please see our privacy policy at www.hiscox.co.uk/cookies-privacy. The Direct Debit Guarantee This Guarantee is offered by all banks and building societies that accept instructions to pay Direct Debits. If there are any changes to the amount, date or frequency of your Direct Debit Hiscox Underwriting Ltd will notify you ten working days in advance of your account being debited or as otherwise agreed. If you request Hiscox Underwriting Ltd to collect a payment, confirmation of the amount and date will be given to you at the time of the request. If an error is made in the payment of your Direct Debit by Hiscox Underwriting Ltd or your bank or building society you are entitled to a full and immediate refund of the amount paid from your bank or building society. – If you receive a refund you are not entitled to, you must pay it back when Hiscox Underwriting Ltd asks you to. You can cancel a Direct Debit at anytime by simply contacting your bank or building society. Written confirmation maybe required. Please also notify us. Page / 1 Hiscox Business Insurance Policy summary JAC-PSC-UK-DC556(5.4) 17431b 07/20 Your Hiscox Business Insurance policy summaries This document contains the summaries for any policy covers you have selected to protect your business. These summaries outline the key information about your policies so you can be confident that you have understood what you have bought and what you are covered for. However, you should carefully read your policy in full and ensure that you understand its terms and conditions in full. If you have any queries, you should contact Hiscox or your insurance advisor. Your side of the bargain Remember, your premium and insurance are based on the details you have provided to us. Please make sure this information accurately reflects your business and that you inform us immediately if anything needs to change. Please also tell us of any changes in circumstances that may affect the services provided by us or the cover provided by your policy. This is particularly important before taking out a policy, but it also applies throughout the life of the policy too. You need to consider: ■if you fail to fairly present the risk to us, including by failing to disclose any information material to the insurance, you could invalidate the policy, claims may not be paid or the amount we pay maybe reduced; ■you should read and check all insurance documents to ensure that you are aware of the cover, limits and other terms that apply; ■if you fail to let us know of any changes to your circumstances during the period of insurance or, if when telling us about such changes you fail to present the risk to us fairly, you could invalidate the policy, claims may not be paid or the amount we pay maybe reduced; ■please be aware of all terms and conditions of your policy because failure to comply with them could invalidate it or result in us not paying a claim or reducing the amount we pay; ■in the event ofa claim, you should take note of the required procedures, such as giving Hiscox prompt notice of the claims, as stated in the policy documentation. In particular, if you fail to notify us when you first become aware ofa shortcoming, fact, or problem, admit you are liable for what has happened or appoint solicitors or other legal representation without our prior written approval, claims or defence costs may not be paid or the amount we pay maybe reduced; ■as with any insurance, you have an obligation to take reasonable steps to mitigate any loss or liability; ■if you make a fraudulent claim or try to deceive us, we may terminate the policy. Policy length The period of insurance is shown on your policy schedule. Your policy schedule will also show if the policy is ona continuing cover basis. If itis ona continuing cover basis, we will renew your policy each year for another 12 months and continue to take payment (including any premium adjustment shown in your renewal invitation) using your existing arrangement, unless you tell us otherwise or if your risk changes. If your policy schedule does not show that the policy is ona continuing cover basis, cover will cease at the end of the period of insurance, unless you renew your policy with us. We will provide you witha statement of fact each year and provided that the information contained within the statement of fact is true, complete and accurate, you do not need to provide us with any further information. If any of the information in your statement of fact is not true, complete and accurate, you must let us know. If you do not let us know, it may affect the validity of the policy or our ability to pay a claim. Retroactive dates, geographical and jurisdiction limits Where any section of your policy schedule includes a retroactive date, we will not make any payment for any claim or loss under that section which arises from any activity performed or any act, incident or occurrence taking place, before the retroactive date. Where any section of your policy schedule shows the geographical limits which apply to that section of the policy, we will only pay for claims and losses under that section which arise from activities performed or acts, incidents or occurrences taking place within those geographical limits. Where any section provides cover in respect of your liability to third parties, we will only cover claims first made ina country within the applicable courts stated in that section of your policy schedule. Hiscox Business Insurance Policy summary JAC-PSC-UK-DC556(5.4) 17431b 07/20 Cancellation rights You can cancel this policy by giving us 30 days' notice. You will only be charged for the premiums due up to the date of cancellation. If we need to cancel the policy, we’ll give you 30 days’ notice in writing and refund any surplus premiums you might have paid. Please note – we may deduct an administration fee from any refunded payment.There is an exception to our 30-day notice period, which is triggered when we don’t receive your Direct Debit payments within the agreed 14-day period. At this point, we will contact you as soon as possible and stop the policyPage / 2 immediately. Underwritten by:Hiscox Underwriting Ltd on behalf of the insurers named in the schedule. Page / 1 Certificate of professional indemnity insurance Clayton 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:BDP/UBHG/EEI Name of policy holder:Clayton Inc Period of insurance: From 2025-10-01 to 07 January, 2024 both days inclusive. This policy isa Continuing cover policy Insurer: Hiscox Insurance Company Limited Retroactive date: 08 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: 2025-10-01 Insurance details Policy number: BDP/UBHG/EEI Period of insurance: From 2025-10-01 to 07 January, 2024 both days inclusive. This policy isa Continuing cover policy. Insured: Clayton Inc Address: Flat 2 Jordan park Wardborough FARNHAM G5 4XR Additional insureds: None Business: Management Consultants Premium details Charged premium – the total amount you’ll pay for this policy. Charged premium: £905.11 Insurance Premium Tax (IPT): £7,575.98 Total charged premium: £3,214.10 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: £905.11 Insurance Premium Tax (IPT): £7,575.98 Annual total: £3,214.10 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 £5,782.92 Legal protection £100,000 £0 £8,202.89 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: 2025-10-01 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 08 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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BDP/UBHG/EEI
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(?<=Policy number - )[-\w_\/\.]+?(?= Company name)
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2025-10-01
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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 - T119.FETU240DO.XH0 Company name: Archer, Phillips and Jenkins It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : T119.FETU240DO.XH0. Company name: Archer, Phillips and Jenkins. Your Hiscox Insurance premium. Last year’s annual premium: This year’s annual premium. £ 9,395.87. £ 9,395.87. The premium includes all applicable insurance premium tax (IPT). Dear Mrs Abbie Brown. Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on Tue 02 December, 2025 . Good news; if you want cover to continue with us and to make sure you stay protected by our award-winning cover, you do not need to do anything. We will update your policy onto our latest wording and continue to collect payment using the payment details we have for you. You must read the important information contained in this email and the attached documents. Your Hiscox Insurance Premium breakdown. The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). The amount shown as last year’s Annual premium will take into account any changes to the cover which may have been made during the last policy period. Cover. Last year’s annual premium (exc IPT). This year’s annual Premium (exc IPT). Professional indemnity. £4,958.20. £4,958.20. Legal protection. £5,561.87. £5,561.87. 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 Archer, Phillips and Jenkins , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay. . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover. Policy summary for each cover. ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover . As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, 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 02 December, 2025 . We’re here between 8:30am - 5:30pm Monday to Friday . Please note that we can only discuss policy changes with people named on the policy. Why renew with Hiscox. - Reassuring: we offer a range of cover options that can be tailored to your needs. - Flexible: we offer full flexibility to change your policy, with no administration fees . - Award-winning cover : we’ve been named Best Small Business Insurer 7 years running by Start Your Business Magazine . Please click this link for the Hiscox Referral Portal: https://refer.aklamio.com/hiscox/uk?source=postpurchase. Thank you again for choosing Hiscox to insure your business. We hope you and your business have a very successful year. Kind regards. Jon Dye. CEO, Hiscox UK. Business Insurance for the small and the brave. To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre. Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. This email and any files transmitted with it are confidential and intended solely for the use of the individual or entity to whom they are addressed. No one else is authorised to distribute, forward, print, copy or act upon any information contained in this email. If you have received this email in error, please notify the sender. Hiscox Syndicates Limited and Hiscox Insurance Company Limited are authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Hiscox Underwriting Limited, Hiscox Underwriting Services Ltd, Hiscox MGA Ltd and Hiscox ASM Ltd are authorised and regulated by the Financial Conduct Authority. Hiscox Assure SAS is duly registered as an insurance broker with the ORIAS, which is the French Official Registry of Insurance Intermediaries. Hiscox plc is a company registered in England and Wales under company registration number 2837811 and registered office at 1 Great St Helen's, London EC3A 6HX. Hiscox SA is a company registered in Luxembourg at 35 Avenue John F. Kennedy 35F, Luxembourg L-1855, and is authorised by the Commissariat aux Assurances de Luxembourg. It’s time to renew your Hiscox Business Insurance Hiscox Insurance policy number : T119.FETU240DO.XH0 Company name: Archer, Phillips and Jenkins . It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : T119.FETU240DO.XH0 Company name: Archer, Phillips and Jenkins . Your Hiscox Insurance premium Last year’s annual premium: This year’s annual premium The premium includes all applicable insurance premium tax (IPT). £ 9,395.87 £ 9,395.87 . Your Hiscox Insurance premium . Last year’s annual premium: This year’s annual premium £ 9,395.87 £ 9,395.87 . The premium includes all applicable insurance premium tax (IPT). Dear Mrs Abbie Brown . Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on Tue 02 December, 2025 . Good news; if you want cover to continue with us and to make sure you stay protected by our award-winning cover, you do not need to do anything. We will update your policy onto our latest wording and continue to collect payment using the payment details we have for you. You must read the important information contained in this email and the attached documents Your Hiscox Insurance Premium breakdown The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). The amount shown as last year’s Annual premium will take into account any changes to the cover which may have been made during the last policy period. Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) Professional indemnity £4,958.20 £4,958.20 Legal protection £5,561.87 £5,561.87 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 Archer, Phillips and Jenkins , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover Policy summary for each cover ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, 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 02 December, 2025 . We’re here between 8:30am - 5:30pm Monday to Friday . Please note that we can only discuss policy changes with people named on the policy. Why renew with Hiscox - Reassuring: we offer a range of cover options that can be tailored to your needs - Flexible: we offer full flexibility to change your policy, with no administration fees - Award-winning cover : we’ve been named Best Small Business Insurer 7 years running by Start Your Business Magazine Please click this link for the Hiscox Referral Portal: https://refer.aklamio.com/hiscox/uk?source=postpurchase Thank you again for choosing Hiscox to insure your business. We hope you and your business have a very successful year. Kind regards Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on Tue 02 December, 2025 . Good news; if you want cover to continue with us and to make sure you stay protected by our award-winning cover, you do not need to do anything. We will update your policy onto our latest wording and continue to collect payment using the payment details we have for you. You must read the important information contained in this email and the attached documents Your Hiscox Insurance Premium breakdown The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). The amount shown as last year’s Annual premium will take into account any changes to the cover which may have been made during the last policy period. Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) Professional indemnity £4,958.20 £4,958.20 Legal protection £5,561.87 £5,561.87 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 Archer, Phillips and Jenkins , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover Policy summary for each cover ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, 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 02 December, 2025 . We’re here between 8:30am - 5:30pm Monday to Friday . Please note that we can only discuss policy changes with people named on the policy. Why renew with Hiscox - Reassuring: we offer a range of cover options that can be tailored to your needs - Flexible: we offer full flexibility to change your policy, with no administration fees - Award-winning cover : we’ve been named Best Small Business Insurer 7 years running by Start Your Business Magazine Please click this link for the Hiscox Referral Portal: https://refer.aklamio.com/hiscox/uk?source=postpurchase Thank you again for choosing Hiscox to insure your business. We hope you and your business have a very successful year. Kind regards Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Your Hiscox Insurance Premium breakdown The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). Cover Professional indemnity Legal protection Crisis containment . Last year’s annual premium (exc IPT) £4,958.20 £5,561.87 £0.00 . This year’s annual Premium (exc IPT) £4,958.20 £5,561.87 . Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) . Professional indemnity £4,958.20 £4,958.20 . Legal protection £5,561.87 £5,561.87 . 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: Abbie 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 30 April, 2019 £9,395.87 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: T119.FETU240DO.XH0 If you have any questions about your policy or payments, please call us on 0800 280 0351. We’re here between 8:30am - 5:30pm Monday to Friday or you can email us at service@hiscox.co.uk. Using your personal information Hiscox isa trading name ofa number of Hiscox companies. The specific company acting asa data controller of your personal information will be listed in the documentation we provide to you. If you are unsure you can also contact us at anytime by telephoning 01904 681198 or by emailing us at dataprotectionofficer@hiscox.com. We collect and process information about you in order to provide insurance policies and to process claims. Your information is also used for business purposes such as fraud prevention and detection and financial management. This may involve sharing your information with, and obtaining information about you from, our group companies and third parties such as brokers, loss adjusters, credit reference agencies, service providers, professional advisors, our regulators or fraud prevention agencies. We may record telephone calls to help us monitor and improve the service we provide. For further information on how your information is used and your rights in relation to your information please see our privacy policy at www.hiscox.co.uk/cookies-privacy. The Direct Debit Guarantee This Guarantee is offered by all banks and building societies that accept instructions to pay Direct Debits. If there are any changes to the amount, date or frequency of your Direct Debit Hiscox Underwriting Ltd will notify you ten working days in advance of your account being debited or as otherwise agreed. If you request Hiscox Underwriting Ltd to collect a payment, confirmation of the amount and date will be given to you at the time of the request. If an error is made in the payment of your Direct Debit by Hiscox Underwriting Ltd or your bank or building society you are entitled to a full and immediate refund of the amount paid from your bank or building society. – If you receive a refund you are not entitled to, you must pay it back when Hiscox Underwriting Ltd asks you to. You can cancel a Direct Debit at anytime by simply contacting your bank or building society. Written confirmation maybe required. Please also notify us. Page / 1 Hiscox Business Insurance Policy summary JAC-PSC-UK-DC556(5.4) 17431b 07/20 Your Hiscox Business Insurance policy summaries This document contains the summaries for any policy covers you have selected to protect your business. These summaries outline the key information about your policies so you can be confident that you have understood what you have bought and what you are covered for. However, you should carefully read your policy in full and ensure that you understand its terms and conditions in full. If you have any queries, you should contact Hiscox or your insurance advisor. Your side of the bargain Remember, your premium and insurance are based on the details you have provided to us. Please make sure this information accurately reflects your business and that you inform us immediately if anything needs to change. Please also tell us of any changes in circumstances that may affect the services provided by us or the cover provided by your policy. This is particularly important before taking out a policy, but it also applies throughout the life of the policy too. You need to consider: ■if you fail to fairly present the risk to us, including by failing to disclose any information material to the insurance, you could invalidate the policy, claims may not be paid or the amount we pay maybe reduced; ■you should read and check all insurance documents to ensure that you are aware of the cover, limits and other terms that apply; ■if you fail to let us know of any changes to your circumstances during the period of insurance or, if when telling us about such changes you fail to present the risk to us fairly, you could invalidate the policy, claims may not be paid or the amount we pay maybe reduced; ■please be aware of all terms and conditions of your policy because failure to comply with them could invalidate it or result in us not paying a claim or reducing the amount we pay; ■in the event ofa claim, you should take note of the required procedures, such as giving Hiscox prompt notice of the claims, as stated in the policy documentation. In particular, if you fail to notify us when you first become aware ofa shortcoming, fact, or problem, admit you are liable for what has happened or appoint solicitors or other legal representation without our prior written approval, claims or defence costs may not be paid or the amount we pay maybe reduced; ■as with any insurance, you have an obligation to take reasonable steps to mitigate any loss or liability; ■if you make a fraudulent claim or try to deceive us, we may terminate the policy. Policy length The period of insurance is shown on your policy schedule. Your policy schedule will also show if the policy is ona continuing cover basis. If itis ona continuing cover basis, we will renew your policy each year for another 12 months and continue to take payment (including any premium adjustment shown in your renewal invitation) using your existing arrangement, unless you tell us otherwise or if your risk changes. If your policy schedule does not show that the policy is ona continuing cover basis, cover will cease at the end of the period of insurance, unless you renew your policy with us. We will provide you witha statement of fact each year and provided that the information contained within the statement of fact is true, complete and accurate, you do not need to provide us with any further information. If any of the information in your statement of fact is not true, complete and accurate, you must let us know. If you do not let us know, it may affect the validity of the policy or our ability to pay a claim. Retroactive dates, geographical and jurisdiction limits Where any section of your policy schedule includes a retroactive date, we will not make any payment for any claim or loss under that section which arises from any activity performed or any act, incident or occurrence taking place, before the retroactive date. Where any section of your policy schedule shows the geographical limits which apply to that section of the policy, we will only pay for claims and losses under that section which arise from activities performed or acts, incidents or occurrences taking place within those geographical limits. Where any section provides cover in respect of your liability to third parties, we will only cover claims first made ina country within the applicable courts stated in that section of your policy schedule. Hiscox Business Insurance Policy summary JAC-PSC-UK-DC556(5.4) 17431b 07/20 Cancellation rights You can cancel this policy by giving us 30 days' notice. You will only be charged for the premiums due up to the date of cancellation. If we need to cancel the policy, we’ll give you 30 days’ notice in writing and refund any surplus premiums you might have paid. Please note – we may deduct an administration fee from any refunded payment.There is an exception to our 30-day notice period, which is triggered when we don’t receive your Direct Debit payments within the agreed 14-day period. At this point, we will contact you as soon as possible and stop the 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, Phillips and Jenkins Hiscox Underwriting Ltd of 1 Great St. Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Certificate of professional indemnity Insurance Policy number:T119.FETU240DO.XH0 Name of policy holder:Archer, Phillips and Jenkins Period of insurance: From Tue 02 December, 2025 to Thursday 20 February, 2020 both days inclusive. This policy isa Continuing cover policy Insurer: Hiscox Insurance Company Limited Retroactive date: 27/08/2021 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 02 December, 2025 Insurance details Policy number: T119.FETU240DO.XH0 Period of insurance: From Tue 02 December, 2025 to Thursday 20 February, 2020 both days inclusive. This policy isa Continuing cover policy. Insured: Archer, Phillips and Jenkins Address: 6 Carol point South Geraldine FARNHAM DA6X 1AX Additional insureds: None Business: Management Consultants Premium details Charged premium – the total amount you’ll pay for this policy. Charged premium: £4,106.25 Insurance Premium Tax (IPT): £9,825.61 Total charged premium: £9,395.87 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: £4,106.25 Insurance Premium Tax (IPT): £9,825.61 Annual total: £9,395.87 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 £4,958.20 Legal protection £100,000 £0 £5,561.87 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: Tue 02 December, 2025 Limit of indemnity £1,000,000 Limit applies to in the aggregate, including all costs Excess £1,000 Excess applies to each and every claim or loss, including all costs Geographical limits Worldwide Applicable courts Worldwide (excluding United States of America and Canada) Claims brought in USA or Canada Not covered Additional covers (in addition to overall limit of indemnity stated above) Cover Limit of indemnity Limit applies to Court attendance compensation - employees £250 per person, per day Court attendance compensation - directors and partners£500 per person, per day Court attendance compensation: in total £100,000 in the aggregate Special limits (included within not in addition to the overall limit of indemnity stated above) Cover Limit of indemnity Limit applies to Personal data claims £250,000 in the aggregate, including all costs Business activities Business managementPage / 2 consultant Retroactive date 27/08/2021 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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T119.FETU240DO.XH0
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Tue 02 December, 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 - 5XCKH/H_X/O5Q5DFV.8V08C Company name: Taylor Ltd It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : 5XCKH/H_X/O5Q5DFV.8V08C. Company name: Taylor Ltd. Your Hiscox Insurance premium. Last year’s annual premium: This year’s annual premium. £ 791.54. £ 791.54. The premium includes all applicable insurance premium tax (IPT). Dear Dr Dr Charlie Fisher. Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 27/02/22 . 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. £5,829.17. £5,829.17. Legal protection. £441.77. £441.77. Crisis containment. £0.00. Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy . Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government increase in Insurance Premium Tax as shown. Is our information correct? Your premium and cover are based on what you’ve told us about Taylor 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 27/02/22 . 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 : 5XCKH/H_X/O5Q5DFV.8V08C Company name: Taylor Ltd . It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : 5XCKH/H_X/O5Q5DFV.8V08C Company name: Taylor Ltd . Your Hiscox Insurance premium Last year’s annual premium: This year’s annual premium The premium includes all applicable insurance premium tax (IPT). £ 791.54 £ 791.54 . Your Hiscox Insurance premium . Last year’s annual premium: This year’s annual premium £ 791.54 £ 791.54 . The premium includes all applicable insurance premium tax (IPT). Dear Dr Dr Charlie Fisher . Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 27/02/22 . 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 £5,829.17 £5,829.17 Legal protection £441.77 £441.77 Crisis containment £0.00 Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government increase in Insurance Premium Tax as shown. Is our information correct? Your premium and cover are based on what you’ve told us about Taylor 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 27/02/22 . 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 27/02/22 . 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 £5,829.17 £5,829.17 Legal protection £441.77 £441.77 Crisis containment £0.00 Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government increase in Insurance Premium Tax as shown. Is our information correct? Your premium and cover are based on what you’ve told us about Taylor 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 27/02/22 . 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) £5,829.17 £441.77 £0.00 . This year’s annual Premium (exc IPT) £5,829.17 £441.77 . Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) . Professional indemnity £5,829.17 £5,829.17 . Legal protection £441.77 £441.77 . Crisis containment £0.00 . Kind regards Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre . Kind regards . Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave . To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre . Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Page / 1 Hiscox Business Insurance Policy wording 17431a - DC565 WORDING 04/17Guide to sectionsIntroduction Policy wordings General terms and conditions Professional indemnity for business management consultants Legal protection Crisis containment Hiscox Business Insurance Policy wording 17431a - DC565 WORDING 04/17IntroductionThank you for choosing Hiscox to protect your business. We hope that the language and layout of this policy wording are clear because we want you to understand the insurance we provide as well as the responsibilities we have to each other. Please read this document, including the policy schedule, policy summary and statement of fact, and let us know as soon as possible if any of the details are shown incorrectly. We always try to deliver to the highest standards of service. Your views are important to us, so if you feel that our service is below the standard you would expect from Hiscox, please contact us on the phone number shown in your policy schedule. Please note that some of the words we use in this insurance are shown in bold type. These words are defined in each section of the wording. Page / 1 Hiscox Insurance Payment schedule Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Thank you for continuing to pay for your policy by Direct Debit. Please check these details and let us know if anything is incorrect or if the schedule is not suitable. Your reference details Account holder name: Dr Charlie Fisher Frequency of collection: Annual Sort code: %BANK_SORT_CODE_1% Account number: %BANK_ACCOUNT_NUMBER_1% Your Direct Debit schedule We will take payments on the dates outlined below: Date Amount Sun 23 July, 2023 £791.54 Where your chosen collection date falls ona non-working day then we will endeavour to collect the next working day. For your information, the collections will be made using the following reference number: Originator Identification Number: 293461 Reference Number: 5XCKH/H_X/O5Q5DFV.8V08C If you have any questions about your policy or payments, please call us on 0800 280 0351. We’re here between 8:30am - 5:30pm Monday to Friday or you can email us at service@hiscox.co.uk. Using your personal information Hiscox isa trading name ofa number of Hiscox companies. The specific company acting asa data controller of your personal information will be listed in the documentation we provide to you. If you are unsure you can also contact us at anytime by telephoning 01904 681198 or by emailing us at dataprotectionofficer@hiscox.com. We collect and process information about you in order to provide insurance policies and to process claims. Your information is also used for business purposes such as fraud prevention and detection and financial management. This may involve sharing your information with, and obtaining information about you from, our group companies and third parties such as brokers, loss adjusters, credit reference agencies, service providers, professional advisors, our regulators or fraud prevention agencies. We may record telephone calls to help us monitor and improve the service we provide. For further information on how your information is used and your rights in relation to your information please see our privacy policy at www.hiscox.co.uk/cookies-privacy. The Direct Debit Guarantee This Guarantee is offered by all banks and building societies that accept instructions to pay Direct Debits. If there are any changes to the amount, date or frequency of your Direct Debit Hiscox Underwriting Ltd will notify you ten working days in advance of your account being debited or as otherwise agreed. If you request Hiscox Underwriting Ltd to collect a payment, confirmation of the amount and date will be given to you at the time of the request. If an error is made in the payment of your Direct Debit by Hiscox Underwriting Ltd or your bank or building society you are entitled to a full and immediate refund of the amount paid from your bank or building society. – If you receive a refund you are not entitled to, you must pay it back when Hiscox Underwriting Ltd asks you to. You can cancel a Direct Debit at anytime by simply contacting your bank or building society. Written confirmation maybe required. Please also notify us. Page / 1 Hiscox Business Insurance Policy summary JAC-PSC-UK-DC556(5.4) 17431b 07/20 Your Hiscox Business Insurance policy summaries This document contains the summaries for any policy covers you have selected to protect your business. These summaries outline the key information about your policies so you can be confident that you have understood what you have bought and what you are covered for. However, you should carefully read your policy in full and ensure that you understand its terms and conditions in full. If you have any queries, you should contact Hiscox or your insurance advisor. Your side of the bargain Remember, your premium and insurance are based on the details you have provided to us. Please make sure this information accurately reflects your business and that you inform us immediately if anything needs to change. Please also tell us of any changes in circumstances that may affect the services provided by us or the cover provided by your policy. This is particularly important before taking out a policy, but it also applies throughout the life of the policy too. You need to consider: ■if you fail to fairly present the risk to us, including by failing to disclose any information material to the insurance, you could invalidate the policy, claims may not be paid or the amount we pay maybe reduced; ■you should read and check all insurance documents to ensure that you are aware of the cover, limits and other terms that apply; ■if you fail to let us know of any changes to your circumstances during the period of insurance or, if when telling us about such changes you fail to present the risk to us fairly, you could invalidate the policy, claims may not be paid or the amount we pay maybe reduced; ■please be aware of all terms and conditions of your policy because failure to comply with them could invalidate it or result in us not paying a claim or reducing the amount we pay; ■in the event ofa claim, you should take note of the required procedures, such as giving Hiscox prompt notice of the claims, as stated in the policy documentation. In particular, if you fail to notify us when you first become aware ofa shortcoming, fact, or problem, admit you are liable for what has happened or appoint solicitors or other legal representation without our prior written approval, claims or defence costs may not be paid or the amount we pay maybe reduced; ■as with any insurance, you have an obligation to take reasonable steps to mitigate any loss or liability; ■if you make a fraudulent claim or try to deceive us, we may terminate the policy. Policy length The period of insurance is shown on your policy schedule. Your policy schedule will also show if the policy is ona continuing cover basis. If itis ona continuing cover basis, we will renew your policy each year for another 12 months and continue to take payment (including any premium adjustment shown in your renewal invitation) using your existing arrangement, unless you tell us otherwise or if your risk changes. If your policy schedule does not show that the policy is ona continuing cover basis, cover will cease at the end of the period of insurance, unless you renew your policy with us. We will provide you witha statement of fact each year and provided that the information contained within the statement of fact is true, complete and accurate, you do not need to provide us with any further information. If any of the information in your statement of fact is not true, complete and accurate, you must let us know. If you do not let us know, it may affect the validity of the policy or our ability to pay a claim. Retroactive dates, geographical and jurisdiction limits Where any section of your policy schedule includes a retroactive date, we will not make any payment for any claim or loss under that section which arises from any activity performed or any act, incident or occurrence taking place, before the retroactive date. Where any section of your policy schedule shows the geographical limits which apply to that section of the policy, we will only pay for claims and losses under that section which arise from activities performed or acts, incidents or occurrences taking place within those geographical limits. Where any section provides cover in respect of your liability to third parties, we will only cover claims first made ina country within the applicable courts stated in that section of your policy schedule. Hiscox Business Insurance Policy summary JAC-PSC-UK-DC556(5.4) 17431b 07/20 Cancellation rights You can cancel this policy by giving us 30 days' notice. You will only be charged for the premiums due up to the date of cancellation. If we need to cancel the policy, we’ll give you 30 days’ notice in writing and refund any surplus premiums you might have paid. Please note – we may deduct an administration fee from any refunded payment.There is an exception to our 30-day notice period, which is triggered when we don’t receive your Direct Debit payments within the agreed 14-day period. At this point, we will contact you as soon as possible and stop the 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 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:5XCKH/H_X/O5Q5DFV.8V08C Name of policy holder:Taylor Ltd Period of insurance: From 27/02/22 to 29 April, 2019 both days inclusive. This policy isa Continuing cover policy Insurer: Hiscox Insurance Company Limited Retroactive date: 2025-09-01 Level of cover:£1,000,000 Signed on behalf of Hiscox Underwriting Limited as agent for the insurers Jon Dye CEO, Hiscox UK Notes: (a) This insurance is subject to policy terms and conditions and any special terms notified to the InsuredPage / 1 Hiscox Business Insurance Policy Schedule 14502 10/18 This schedule tells you what is insured with us. It should be read carefully with your policy wording(s) and statement of fact detailed elsewhere in this document. Schedule effective date: 27/02/22 Insurance details Policy number: 5XCKH/H_X/O5Q5DFV.8V08C Period of insurance: From 27/02/22 to 29 April, 2019 both days inclusive. This policy isa Continuing cover policy. Insured: Taylor Ltd Address: Flat 53H Jones tunnel Allenview FARNHAM G9S 3XA Additional insureds: None Business: Management Consultants Premium details Charged premium – the total amount you’ll pay for this policy. Charged premium: £8,530.95 Insurance Premium Tax (IPT): £1,052.23 Total charged premium: £791.54 Annualised premium – the annual premium for this policy. This is given for comparison purposes. Please refer to the charged premium section for the amount you’ll pay for the policy. Annual premium: £8,530.95 Insurance Premium Tax (IPT): £1,052.23 Annual total: £791.54 Please note that there will be no refund or additional premium for any transaction which is less than £20 (excluding IPT). Hiscox Business Insurance Policy Schedule 14502 10/18 Summary Claims information If you need to make a claim: - For claims relating to your building or contents please contact our claims team on 0800 247 1902, 9.00am – 5:30pm Monday to Friday. If you wish to make a claim online, you can log most claims quickly and easily through our claims notification portal at https://claims.hiscox.co.uk/. Outside of normal business hours, if you require emergency assistance in relation to substantial damage to your property, you can speak to our 24-hour emergency assistance team using the telephone number above. Your policy schedule will state if property cover is included in your policy. Our out-of-hours emergency assistance team operate ona pay-and-claim basis and you will need to have credit card details available as appropriate. The team will then be able to direct you to essential tradesmen, emergency loss adjusters or disaster management companies in the event of substantial damage. - If there isa claim (or potential claim) against you bya third party, please email us at liability.claims@hiscox.com. If you need to speak to a member of the claims team urgently, please call our team on 0800 711 7156, 9.00am – 5:30pm Monday to Friday. If you wish to make a claim online, you can log most claims quickly and easily through our claims notification portal at https://claims.hiscox.co.uk/. You will need to provide your full name and contact details, the name of your business or organisation, your address and postcode, the policy reference and circumstances of the claim. The Important information and contact details section below contains additional information specific to the covers applicable to your policy. If you are unsure of who to contact please call our team on 0800 711 7156, 9.00am – 5:30pm Monday to Friday. They will ensure you get through to the correct claims team and let you know what actions you need to take. If anything happens that might be covered under the policy, you must comply with the obligations set out in General claims conditions, together with the obligations set out under Your obligations in the section or sections under which you are making the claim. Itis important that you read the policy for details of its terms in full. Your covers This isa summary of each section of your policy. See each section for cover details. Cover Insurance amount Excess Annual Premium (exc IPT) Professional indemnity £1,000,000 £1,000 £5,829.17 Legal protection £100,000 £0 £441.77 Crisis containment £25,000 - £0.00 The figures above are in summary only and are not in addition to the amount insured specified against each cover section below. Hiscox Business Insurance Policy Schedule 14502 10/18 SECTION: PROFESSIONAL INDEMNITY – MANAGEMENT CONSULTANTS Cover start date: 27/02/22 Limit of indemnity £1,000,000 Limit applies to in the aggregate, including all costs Excess £1,000 Excess applies to each and every claim or loss, including all costs Geographical limits Worldwide Applicable courts Worldwide (excluding United States of America and Canada) Claims brought in USA or Canada Not covered Additional covers (in addition to overall limit of indemnity stated above) Cover Limit of indemnity Limit applies to Court attendance compensation - employees £250 per person, per day Court attendance compensation - directors and partners£500 per person, per day Court attendance compensation: in total £100,000 in the aggregate Special limits (included within not in addition to the overall limit of indemnity stated above) Cover Limit of indemnity Limit applies to Personal data claims £250,000 in the aggregate, including all costs Business activities Business managementPage / 2 consultant Retroactive date 2025-09-01 Insurer Hiscox Insurance Company LimitedPage / 1 Hiscox Insurance Summary of change Introduction This document has been created to help you understand the key changes to your Hiscox Insurance policy and how they may impact you. Your policy continues to offer professional, tailored insurance to protect you and give you peace of mind that if you need us, you will be supported by our award winning claims team. If you have a query not covered by this document, or if you have any questions or concerns about your policy you should contact us. Frequently asked questions What if my circumstances change during the period of insurance? If your circumstances change during the period of insurance, you only need to let us know if the change means that any of the information in the Statement of Fact is no longer true, complete and accurate. If there are no such changes, you do not need to let us know. If any of the information within the Statement of Fact becomes no longer complete, true or accurate at any point during the period of insurance you must tell us as it may affect the validity of the policy or our ability to pay a claim. Additionally, if your contact details change then you should let us know straightaway. Where doI find the limits that apply to my policy? You can find your maximum allowable limits for turnover and wage rollin your Statement of Fact. You must check this information and tell us or your broker if you expect to exceed the maximum amounts shown. Please note these values may have changed. If there are special limits or special excesses applying to particular covers or types of losses these will be shown in the policy schedule. Please check your policy schedule carefully as they may have changed. My new schedule shows a different premium to last year? What has changed? If an underwriter has reviewed your policy then they may have manually adjusted your premium, for example if you’ve had claims in the last 12 months. Where doI find out about any endorsements on my policy? You will be able to see if an endorsement has been applied or removed by reviewing your Policy Schedule. If you have any queries or concerns, please contact us or your broker if you have one. Hiscox Insurance Summary of change Professional indemnity for business management consultants Summary of change Changes to the cover The following table shows the differences between our new policy wordings (5570 WD- PROF-UK-MAN(7), 15579 WD-PROF-UK-MAN-AG(3)) and our previous wordings (5570 WD-PROF-UK-MAN(6), 15579 WD-PROF-UK-MAN-AG(2)). This isa summary of the changes only. You should refer to the schedule and policy wording for the full description of the cover in place. Area of cover Previous policy New policy Improvement in cover Claims against you Advertising claims. We will pay claims arising from your advertising or branding for defamation or infringement of copyright or moral rights. This does not include claims for passing off, unauthorised use of trademarks or false or misleading advertising. Previously cover was not restricted to defamation or the infringement of copyright or moral rights.Covered Amended Your own lossesChanges to ‘what is covered’ Losses from dishonesty. Your losses arising from the dishonesty of your employees, sub-contractors or outsourcers.Covered Not covered Area of cover Previous policy New policy Improvement in cover Cyber incident. We will not pay claims relating to an actual or possible cyber attack, hacker or social engineering communication. Previously we excluded any virus not specifically targeted at your system.Covered Not covered Computer or digital technology error. We will not pay claims arising from any negligent act, error or omission in the operation or maintenance of computer or digital technology such as development, installation, patching or upgrading.Covered Not coveredChanges to ‘what is not covered’ Infrastructure. We will not pay claims arising from the failure of the service provided by internet, telecommunications, utilities or other infrastructure providers.Covered Not covered Hiscox Insurance Summary of change Personal data. We will not pay claims relating to personal data. We will pay such claims where they arise from your performance ofa business activity and which is not otherwise excluded. Subject to the limit shown in the schedule.Covered Not covered Other important changes Control of defence. Under the previous wording we had a duty to defend you against any covered claim brought against you. We now have the right but not the obligation to take control of the conduct of the claim including the appointment of legal representation. Please refer to the policy wording for full details. SOC-PROF-UK-MAN(1) 21367 01/21
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5XCKH/H_X/O5Q5DFV.8V08C
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(?<=Policy number - )[-\w_\/\.]+?(?= Company name)
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27/02/22
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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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