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hiscox-business-1	Hiscox Business Insurance - Policy number - idhjwjbndjdyrj Company name: Jenkins, Cox and Walker It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : idhjwjbndjdyrj. Company name: Jenkins, Cox and Walker. Your Hiscox Insurance premium. Last year’s annual premium: This year’s annual premium. £ 391.41. £ 391.41. The premium includes all applicable insurance premium tax (IPT). Dear Mrs Brian Harvey-Ross. Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 2022-09-02 . Good news; if you want cover to continue with us and to make sure you stay protected by our award-winning cover, you do not need to do anything. We will update your policy onto our latest wording and continue to collect payment using the payment details we have for you. You must read the important information contained in this email and the attached documents. Your Hiscox Insurance Premium breakdown. The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). The amount shown as last year’s Annual premium will take into account any changes to the cover which may have been made during the last policy period. Cover. Last year’s annual premium (exc IPT). This year’s annual Premium (exc IPT). Professional indemnity. £3,716.77. £3,716.77. Legal protection. £2,307.85. £2,307.85. Crisis containment. £3,475.44. Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy . Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government 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, Cox and Walker , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay. . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover. Policy summary for each cover. ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover . As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before 2022-09-02 . We’re here between 8:30am - 5:30pm Monday to Friday . Please note that we can only discuss policy changes with people named on the policy. Why renew with Hiscox. - Reassuring: we offer a range of cover options that can be tailored to your needs. - Flexible: we offer full flexibility to change your policy, with no administration fees . - Award-winning cover : we’ve been named Best Small Business Insurer 7 years running by Start Your Business Magazine . Please click this link for the Hiscox Referral Portal: https://refer.aklamio.com/hiscox/uk?source=postpurchase. Thank you again for choosing Hiscox to insure your business. We hope you and your business have a very successful year. Kind regards. Jon Dye. CEO, Hiscox UK. Business Insurance for the small and the brave. To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre. Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. This email and any files transmitted with it are confidential and intended solely for the use of the individual or entity to whom they are addressed. No one else is authorised to distribute, forward, print, copy or act upon any information contained in this email. If you have received this email in error, please notify the sender. Hiscox Syndicates Limited and Hiscox Insurance Company Limited are authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Hiscox Underwriting Limited, Hiscox Underwriting Services Ltd, Hiscox MGA Ltd and Hiscox ASM Ltd are authorised and regulated by the Financial Conduct Authority. Hiscox Assure SAS is duly registered as an insurance broker with the ORIAS, which is the French Official Registry of Insurance Intermediaries. Hiscox plc is a company registered in England and Wales under company registration number 2837811 and registered office at 1 Great St Helen's, London EC3A 6HX. Hiscox SA is a company registered in Luxembourg at 35 Avenue John F. Kennedy 35F, Luxembourg L-1855, and is authorised by the Commissariat aux Assurances de Luxembourg. It’s time to renew your Hiscox Business Insurance Hiscox Insurance policy number : idhjwjbndjdyrj Company name: Jenkins, Cox and Walker . It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : idhjwjbndjdyrj Company name: Jenkins, Cox and Walker . Your Hiscox Insurance premium Last year’s annual premium: This year’s annual premium The premium includes all applicable insurance premium tax (IPT). £ 391.41 £ 391.41 . Your Hiscox Insurance premium . Last year’s annual premium: This year’s annual premium £ 391.41 £ 391.41 . The premium includes all applicable insurance premium tax (IPT). Dear Mrs Brian Harvey-Ross . Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 2022-09-02 . Good news; if you want cover to continue with us and to make sure you stay protected by our award-winning cover, you do not need to do anything. We will update your policy onto our latest wording and continue to collect payment using the payment details we have for you. You must read the important information contained in this email and the attached documents Your Hiscox Insurance Premium breakdown The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). The amount shown as last year’s Annual premium will take into account any changes to the cover which may have been made during the last policy period. Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) Professional indemnity £3,716.77 £3,716.77 Legal protection £2,307.85 £2,307.85 Crisis containment £3,475.44 Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government 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, Cox and Walker , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover Policy summary for each cover ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before 2022-09-02 . We’re here between 8:30am - 5:30pm Monday to Friday . Please note that we can only discuss policy changes with people named on the policy. Why renew with Hiscox - Reassuring: we offer a range of cover options that can be tailored to your needs - Flexible: we offer full flexibility to change your policy, with no administration fees - Award-winning cover : we’ve been named Best Small Business Insurer 7 years running by Start Your Business Magazine Please click this link for the Hiscox Referral Portal: https://refer.aklamio.com/hiscox/uk?source=postpurchase Thank you again for choosing Hiscox to insure your business. We hope you and your business have a very successful year. Kind regards Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 2022-09-02 . Good news; if you want cover to continue with us and to make sure you stay protected by our award-winning cover, you do not need to do anything. We will update your policy onto our latest wording and continue to collect payment using the payment details we have for you. You must read the important information contained in this email and the attached documents Your Hiscox Insurance Premium breakdown The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). The amount shown as last year’s Annual premium will take into account any changes to the cover which may have been made during the last policy period. Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) Professional indemnity £3,716.77 £3,716.77 Legal protection £2,307.85 £2,307.85 Crisis containment £3,475.44 Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government 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, Cox and Walker , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover Policy summary for each cover ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before 2022-09-02 . We’re here between 8:30am - 5:30pm Monday to Friday . Please note that we can only discuss policy changes with people named on the policy. Why renew with Hiscox - Reassuring: we offer a range of cover options that can be tailored to your needs - Flexible: we offer full flexibility to change your policy, with no administration fees - Award-winning cover : we’ve been named Best Small Business Insurer 7 years running by Start Your Business Magazine Please click this link for the Hiscox Referral Portal: https://refer.aklamio.com/hiscox/uk?source=postpurchase Thank you again for choosing Hiscox to insure your business. We hope you and your business have a very successful year. Kind regards Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Your Hiscox Insurance Premium breakdown The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). Cover Professional indemnity Legal protection Crisis containment . Last year’s annual premium (exc IPT) £3,716.77 £2,307.85 £3,475.44 . This year’s annual Premium (exc IPT) £3,716.77 £2,307.85 . Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) . Professional indemnity £3,716.77 £3,716.77 . Legal protection £2,307.85 £2,307.85 . Crisis containment £3,475.44 . Kind regards Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre . Kind regards . Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave . To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre . Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Page / 1 Hiscox Business Insurance Policy wording 17431a - DC565 WORDING 04/17Guide to sectionsIntroduction Policy wordings General terms and conditions Professional indemnity for business management consultants Legal protection Crisis containment Hiscox Business Insurance Policy wording 17431a - DC565 WORDING 04/17IntroductionThank you for choosing Hiscox to protect your business. We hope that the language and layout of this policy wording are clear because we want you to understand the insurance we provide as well as the responsibilities we have to each other. Please read this document, including the policy schedule, policy summary and statement of fact, and let us know as soon as possible if any of the details are shown incorrectly. We always try to deliver to the highest standards of service. Your views are important to us, so if you feel that our service is below the standard you would expect from Hiscox, please contact us on the phone number shown in your policy schedule. Please note that some of the words we use in this insurance are shown in bold type. These words are defined in each section of the wording. Page / 1 Hiscox Insurance Payment schedule Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Thank you for continuing to pay for your policy by Direct Debit. Please check these details and let us know if anything is incorrect or if the schedule is not suitable. Your reference details Account holder name: Brian Harvey-Ross Frequency of collection: Annual Sort code: %BANK_SORT_CODE_1% Account number: %BANK_ACCOUNT_NUMBER_1% Your Direct Debit schedule We will take payments on the dates outlined below: Date Amount 04/05/2024 £391.41 Where your chosen collection date falls ona non-working day then we will endeavour to collect the next working day. For your information, the collections will be made using the following reference number: Originator Identification Number: 293461 Reference Number: idhjwjbndjdyrj If you have any questions about your policy or payments, please call us on 0800 280 0351. We’re here between 8:30am - 5:30pm Monday to Friday or you can email us at service@hiscox.co.uk. Using your personal information Hiscox isa trading name ofa number of Hiscox companies. The specific company acting asa data controller of your personal information will be listed in the documentation we provide to you. If you are unsure you can also contact us at anytime by telephoning 01904 681198 or by emailing us at dataprotectionofficer@hiscox.com. We collect and process information about you in order to provide insurance policies and to process claims. Your information is also used for business purposes such as fraud prevention and detection and financial management. This may involve sharing your information with, and obtaining information about you from, our group companies and third parties such as brokers, loss adjusters, credit reference agencies, service providers, professional advisors, our regulators or fraud prevention agencies. We may record telephone calls to help us monitor and improve the service we provide. For further information on how your information is used and your rights in relation to your information please see our privacy policy at www.hiscox.co.uk/cookies-privacy. The Direct Debit Guarantee This Guarantee is offered by all banks and building societies that accept instructions to pay Direct Debits. If there are any changes to the amount, date or frequency of your Direct Debit Hiscox Underwriting Ltd will notify you ten working days in advance of your account being debited or as otherwise agreed. If you request Hiscox Underwriting Ltd to collect a payment, confirmation of the amount and date will be given to you at the time of the request. If an error is made in the payment of your Direct Debit by Hiscox Underwriting Ltd or your bank or building society you are entitled to a full and immediate refund of the amount paid from your bank or building society. – If you receive a refund you are not entitled to, you must pay it back when Hiscox Underwriting Ltd asks you to. You can cancel a Direct Debit at anytime by simply contacting your bank or building society. Written confirmation maybe required. Please also notify us. Page / 1 Hiscox Business Insurance Policy summary JAC-PSC-UK-DC556(5.4) 17431b 07/20 Your Hiscox Business Insurance policy summaries This document contains the summaries for any policy covers you have selected to protect your business. These summaries outline the key information about your policies so you can be confident that you have understood what you have bought and what you are covered for. However, you should carefully read your policy in full and ensure that you understand its terms and conditions in full. If you have any queries, you should contact Hiscox or your insurance advisor. Your side of the bargain Remember, your premium and insurance are based on the details you have provided to us. Please make sure this information accurately reflects your business and that you inform us immediately if anything needs to change. Please also tell us of any changes in circumstances that may affect the services provided by us or the cover provided by your policy. This is particularly important before taking out a policy, but it also applies throughout the life of the policy too. You need to consider: ■if you fail to fairly present the risk to us, including by failing to disclose any information material to the insurance, you could invalidate the policy, claims may not be paid or the amount we pay maybe reduced; ■you should read and check all insurance documents to ensure that you are aware of the cover, limits and other terms that apply; ■if you fail to let us know of any changes to your circumstances during the period of insurance or, if when telling us about such changes you fail to present the risk to us fairly, you could invalidate the policy, claims may not be paid or the amount we pay maybe reduced; ■please be aware of all terms and conditions of your policy because failure to comply with them could invalidate it or result in us not paying a claim or reducing the amount we pay; ■in the event ofa claim, you should take note of the required procedures, such as giving Hiscox prompt notice of the claims, as stated in the policy documentation. In particular, if you fail to notify us when you first become aware ofa shortcoming, fact, or problem, admit you are liable for what has happened or appoint solicitors or other legal representation without our prior written approval, claims or defence costs may not be paid or the amount we pay maybe reduced; ■as with any insurance, you have an obligation to take reasonable steps to mitigate any loss or liability; ■if you make a fraudulent claim or try to deceive us, we may terminate the policy. Policy length The period of insurance is shown on your policy schedule. Your policy schedule will also show if the policy is ona continuing cover basis. If itis ona continuing cover basis, we will renew your policy each year for another 12 months and continue to take payment (including any premium adjustment shown in your renewal invitation) using your existing arrangement, unless you tell us otherwise or if your risk changes. If your policy schedule does not show that the policy is ona continuing cover basis, cover will cease at the end of the period of insurance, unless you renew your policy with us. We will provide you witha statement of fact each year and provided that the information contained within the statement of fact is true, complete and accurate, you do not need to provide us with any further information. If any of the information in your statement of fact is not true, complete and accurate, you must let us know. If you do not let us know, it may affect the validity of the policy or our ability to pay a claim. Retroactive dates, geographical and jurisdiction limits Where any section of your policy schedule includes a retroactive date, we will not make any payment for any claim or loss under that section which arises from any activity performed or any act, incident or occurrence taking place, before the retroactive date. Where any section of your policy schedule shows the geographical limits which apply to that section of the policy, we will only pay for claims and losses under that section which arise from activities performed or acts, incidents or occurrences taking place within those geographical limits. Where any section provides cover in respect of your liability to third parties, we will only cover claims first made ina country within the applicable courts stated in that section of your policy schedule. Hiscox Business Insurance Policy summary JAC-PSC-UK-DC556(5.4) 17431b 07/20 Cancellation rights You can cancel this policy by giving us 30 days' notice. You will only be charged for the premiums due up to the date of cancellation. If we need to cancel the policy, we’ll give you 30 days’ notice in writing and refund any surplus premiums you might have paid. Please note – we may deduct an administration fee from any refunded payment.There is an exception to our 30-day notice period, which is triggered when we don’t receive your Direct Debit payments within the agreed 14-day period. At this point, we will contact you as soon as possible and stop the 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, Cox and Walker Hiscox Underwriting Ltd of 1 Great St. Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Certificate of professional indemnity Insurance Policy number:idhjwjbndjdyrj Name of policy holder:Jenkins, Cox and Walker Period of insurance: From 2022-09-02 to Mon 16 September, 2019 both days inclusive. This policy isa Continuing cover policy Insurer: Hiscox Insurance Company Limited Retroactive date: 28/08/21 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: 2022-09-02 Insurance details Policy number: idhjwjbndjdyrj Period of insurance: From 2022-09-02 to Mon 16 September, 2019 both days inclusive. This policy isa Continuing cover policy. Insured: Jenkins, Cox and Walker Address: Flat 4 Brooks lock Port Bethan FARNHAM G1G 7EU Additional insureds: None Business: Management Consultants Premium details Charged premium – the total amount you’ll pay for this policy. Charged premium: £4,951.24 Insurance Premium Tax (IPT): £2,433.41 Total charged premium: £391.41 Annualised premium – the annual premium for this policy. This is given for comparison purposes. Please refer to the charged premium section for the amount you’ll pay for the policy. Annual premium: £4,951.24 Insurance Premium Tax (IPT): £2,433.41 Annual total: £391.41 Please note that there will be no refund or additional premium for any transaction which is less than £20 (excluding IPT). Hiscox Business Insurance Policy Schedule 14502 10/18 Summary Claims information If you need to make a claim: - For claims relating to your building or contents please contact our claims team on 0800 247 1902, 9.00am – 5:30pm Monday to Friday. If you wish to make a claim online, you can log most claims quickly and easily through our claims notification portal at https://claims.hiscox.co.uk/. Outside of normal business hours, if you require emergency assistance in relation to substantial damage to your property, you can speak to our 24-hour emergency assistance team using the telephone number above. Your policy schedule will state if property cover is included in your policy. Our out-of-hours emergency assistance team operate ona pay-and-claim basis and you will need to have credit card details available as appropriate. The team will then be able to direct you to essential tradesmen, emergency loss adjusters or disaster management companies in the event of substantial damage. - If there isa claim (or potential claim) against you bya third party, please email us at liability.claims@hiscox.com. If you need to speak to a member of the claims team urgently, please call our team on 0800 711 7156, 9.00am – 5:30pm Monday to Friday. If you wish to make a claim online, you can log most claims quickly and easily through our claims notification portal at https://claims.hiscox.co.uk/. You will need to provide your full name and contact details, the name of your business or organisation, your address and postcode, the policy reference and circumstances of the claim. The Important information and contact details section below contains additional information specific to the covers applicable to your policy. If you are unsure of who to contact please call our team on 0800 711 7156, 9.00am – 5:30pm Monday to Friday. They will ensure you get through to the correct claims team and let you know what actions you need to take. If anything happens that might be covered under the policy, you must comply with the obligations set out in General claims conditions, together with the obligations set out under Your obligations in the section or sections under which you are making the claim. Itis important that you read the policy for details of its terms in full. Your covers This isa summary of each section of your policy. See each section for cover details. Cover Insurance amount Excess Annual Premium (exc IPT) Professional indemnity £1,000,000 £1,000 £3,716.77 Legal protection £100,000 £0 £2,307.85 Crisis containment £25,000 - £3,475.44 The figures above are in summary only and are not in addition to the amount insured specified against each cover section below. Hiscox Business Insurance Policy Schedule 14502 10/18 SECTION: PROFESSIONAL INDEMNITY – MANAGEMENT CONSULTANTS Cover start date: 2022-09-02 Limit of indemnity £1,000,000 Limit applies to in the aggregate, including all costs Excess £1,000 Excess applies to each and every claim or loss, including all costs Geographical limits Worldwide Applicable courts Worldwide (excluding United States of America and Canada) Claims brought in USA or Canada Not covered Additional covers (in addition to overall limit of indemnity stated above) Cover Limit of indemnity Limit applies to Court attendance compensation - employees £250 per person, per day Court attendance compensation - directors and partners£500 per person, per day Court attendance compensation: in total £100,000 in the aggregate Special limits (included within not in addition to the overall limit of indemnity stated above) Cover Limit of indemnity Limit applies to Personal dataPage / 2 claims £250,000 in the aggregate, including all costs Business activities Business management consultant Retroactive date 28/08/21 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	idhjwjbndjdyrj	(?<=Policy number - )[-\w_\/\.]+?(?= Company name)	2022-09-02	(?<=anniversary of your policy is approaching on )[-\w_\/\. ,]+?(?= \.)	null	null	Business	(?<=time to renew your Hiscox )[-\w_\/\. ]+?(?= Insurance)	2024-02-05
hiscox-business-1	Hiscox Business Insurance - Policy number - E/R22VS-7GNAW3QC77O7UFUP Company name: Bell-Vincent It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : E/R22VS-7GNAW3QC77O7UFUP. Company name: Bell-Vincent. Your Hiscox Insurance premium. Last year’s annual premium: This year’s annual premium. £ 393.14. £ 393.14. The premium includes all applicable insurance premium tax (IPT). Dear Mr Dr Joseph Collier. Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 16 August, 2020 . Good news; if you want cover to continue with us and to make sure you stay protected by our award-winning cover, you do not need to do anything. We will update your policy onto our latest wording and continue to collect payment using the payment details we have for you. You must read the important information contained in this email and the attached documents. Your Hiscox Insurance Premium breakdown. The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). The amount shown as last year’s Annual premium will take into account any changes to the cover which may have been made during the last policy period. Cover. Last year’s annual premium (exc IPT). This year’s annual Premium (exc IPT). Professional indemnity. £6,850.68. £6,850.68. Legal protection. £5,737.38. £5,737.38. Crisis containment. £5,874.18. Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy . Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government increase in Insurance Premium Tax as shown. Is our information correct? Your premium and cover are based on what you’ve told us about Bell-Vincent , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay. . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover. Policy summary for each cover. ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover . As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, 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 August, 2020 . We’re here between 8:30am - 5:30pm Monday to Friday . Please note that we can only discuss policy changes with people named on the policy. Why renew with Hiscox. - Reassuring: we offer a range of cover options that can be tailored to your needs. - Flexible: we offer full flexibility to change your policy, with no administration fees . - Award-winning cover : we’ve been named Best Small Business Insurer 7 years running by Start Your Business Magazine . Please click this link for the Hiscox Referral Portal: https://refer.aklamio.com/hiscox/uk?source=postpurchase. Thank you again for choosing Hiscox to insure your business. We hope you and your business have a very successful year. Kind regards. Jon Dye. CEO, Hiscox UK. Business Insurance for the small and the brave. To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre. Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. This email and any files transmitted with it are confidential and intended solely for the use of the individual or entity to whom they are addressed. No one else is authorised to distribute, forward, print, copy or act upon any information contained in this email. If you have received this email in error, please notify the sender. Hiscox Syndicates Limited and Hiscox Insurance Company Limited are authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Hiscox Underwriting Limited, Hiscox Underwriting Services Ltd, Hiscox MGA Ltd and Hiscox ASM Ltd are authorised and regulated by the Financial Conduct Authority. Hiscox Assure SAS is duly registered as an insurance broker with the ORIAS, which is the French Official Registry of Insurance Intermediaries. Hiscox plc is a company registered in England and Wales under company registration number 2837811 and registered office at 1 Great St Helen's, London EC3A 6HX. Hiscox SA is a company registered in Luxembourg at 35 Avenue John F. Kennedy 35F, Luxembourg L-1855, and is authorised by the Commissariat aux Assurances de Luxembourg. It’s time to renew your Hiscox Business Insurance Hiscox Insurance policy number : E/R22VS-7GNAW3QC77O7UFUP Company name: Bell-Vincent . It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : E/R22VS-7GNAW3QC77O7UFUP Company name: Bell-Vincent . Your Hiscox Insurance premium Last year’s annual premium: This year’s annual premium The premium includes all applicable insurance premium tax (IPT). £ 393.14 £ 393.14 . Your Hiscox Insurance premium . Last year’s annual premium: This year’s annual premium £ 393.14 £ 393.14 . The premium includes all applicable insurance premium tax (IPT). Dear Mr Dr Joseph Collier . Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 16 August, 2020 . Good news; if you want cover to continue with us and to make sure you stay protected by our award-winning cover, you do not need to do anything. We will update your policy onto our latest wording and continue to collect payment using the payment details we have for you. You must read the important information contained in this email and the attached documents Your Hiscox Insurance Premium breakdown The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). The amount shown as last year’s Annual premium will take into account any changes to the cover which may have been made during the last policy period. Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) Professional indemnity £6,850.68 £6,850.68 Legal protection £5,737.38 £5,737.38 Crisis containment £5,874.18 Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government increase in Insurance Premium Tax as shown. Is our information correct? Your premium and cover are based on what you’ve told us about Bell-Vincent , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover Policy summary for each cover ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, 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 August, 2020 . We’re here between 8:30am - 5:30pm Monday to Friday . Please note that we can only discuss policy changes with people named on the policy. Why renew with Hiscox - Reassuring: we offer a range of cover options that can be tailored to your needs - Flexible: we offer full flexibility to change your policy, with no administration fees - Award-winning cover : we’ve been named Best Small Business Insurer 7 years running by Start Your Business Magazine Please click this link for the Hiscox Referral Portal: https://refer.aklamio.com/hiscox/uk?source=postpurchase Thank you again for choosing Hiscox to insure your business. We hope you and your business have a very successful year. Kind regards Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 16 August, 2020 . Good news; if you want cover to continue with us and to make sure you stay protected by our award-winning cover, you do not need to do anything. We will update your policy onto our latest wording and continue to collect payment using the payment details we have for you. You must read the important information contained in this email and the attached documents Your Hiscox Insurance Premium breakdown The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). The amount shown as last year’s Annual premium will take into account any changes to the cover which may have been made during the last policy period. Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) Professional indemnity £6,850.68 £6,850.68 Legal protection £5,737.38 £5,737.38 Crisis containment £5,874.18 Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government increase in Insurance Premium Tax as shown. Is our information correct? Your premium and cover are based on what you’ve told us about Bell-Vincent , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover Policy summary for each cover ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, 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 August, 2020 . We’re here between 8:30am - 5:30pm Monday to Friday . Please note that we can only discuss policy changes with people named on the policy. Why renew with Hiscox - Reassuring: we offer a range of cover options that can be tailored to your needs - Flexible: we offer full flexibility to change your policy, with no administration fees - Award-winning cover : we’ve been named Best Small Business Insurer 7 years running by Start Your Business Magazine Please click this link for the Hiscox Referral Portal: https://refer.aklamio.com/hiscox/uk?source=postpurchase Thank you again for choosing Hiscox to insure your business. We hope you and your business have a very successful year. Kind regards Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Your Hiscox Insurance Premium breakdown The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). Cover Professional indemnity Legal protection Crisis containment . Last year’s annual premium (exc IPT) £6,850.68 £5,737.38 £5,874.18 . This year’s annual Premium (exc IPT) £6,850.68 £5,737.38 . Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) . Professional indemnity £6,850.68 £6,850.68 . Legal protection £5,737.38 £5,737.38 . Crisis containment £5,874.18 . Kind regards Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre . Kind regards . Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave . To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre . Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Page / 1 Hiscox Business Insurance Policy wording 17431a - DC565 WORDING 04/17Guide to sectionsIntroduction Policy wordings General terms and conditions Professional indemnity for business management consultants Legal protection Crisis containment Hiscox Business Insurance Policy wording 17431a - DC565 WORDING 04/17IntroductionThank you for choosing Hiscox to protect your business. We hope that the language and layout of this policy wording are clear because we want you to understand the insurance we provide as well as the responsibilities we have to each other. Please read this document, including the policy schedule, policy summary and statement of fact, and let us know as soon as possible if any of the details are shown incorrectly. We always try to deliver to the highest standards of service. Your views are important to us, so if you feel that our service is below the standard you would expect from Hiscox, please contact us on the phone number shown in your policy schedule. Please note that some of the words we use in this insurance are shown in bold type. These words are defined in each section of the wording. Page / 1 Hiscox Insurance Payment schedule Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Thank you for continuing to pay for your policy by Direct Debit. Please 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 Collier Frequency of collection: Annual Sort code: %BANK_SORT_CODE_1% Account number: %BANK_ACCOUNT_NUMBER_1% Your Direct Debit schedule We will take payments on the dates outlined below: Date Amount 2022-06-26 £393.14 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: E/R22VS-7GNAW3QC77O7UFUP If you have any questions about your policy or payments, please call us on 0800 280 0351. We’re here between 8:30am - 5:30pm Monday to Friday or you can email us at service@hiscox.co.uk. Using your personal information Hiscox isa trading name ofa number of Hiscox companies. The specific company acting asa data controller of your personal information will be listed in the documentation we provide to you. If you are unsure you can also contact us at anytime by telephoning 01904 681198 or by emailing us at dataprotectionofficer@hiscox.com. We collect and process information about you in order to provide insurance policies and to process claims. Your information is also used for business purposes such as fraud prevention and detection and financial management. This may involve sharing your information with, and obtaining information about you from, our group companies and third parties such as brokers, loss adjusters, credit reference agencies, service providers, professional advisors, our regulators or fraud prevention agencies. We may record telephone calls to help us monitor and improve the service we provide. For further information on how your information is used and your rights in relation to your information please see our privacy policy at www.hiscox.co.uk/cookies-privacy. The Direct Debit Guarantee This Guarantee is offered by all banks and building societies that accept instructions to pay Direct Debits. If there are any changes to the amount, date or frequency of your Direct Debit Hiscox Underwriting Ltd will notify you ten working days in advance of your account being debited or as otherwise agreed. If you request Hiscox Underwriting Ltd to collect a payment, confirmation of the amount and date will be given to you at the time of the request. If an error is made in the payment of your Direct Debit by Hiscox Underwriting Ltd or your bank or building society you are entitled to a full and immediate refund of the amount paid from your bank or building society. – If you receive a refund you are not entitled to, you must pay it back when Hiscox Underwriting Ltd asks you to. You can cancel a Direct Debit at anytime by simply contacting your bank or building society. Written confirmation maybe required. Please also notify us. Page / 1 Hiscox Business Insurance Policy summary JAC-PSC-UK-DC556(5.4) 17431b 07/20 Your Hiscox Business Insurance policy summaries This document contains the summaries for any policy covers you have selected to protect your business. These summaries outline the key information about your policies so you can be confident that you have understood what you have bought and what you are covered for. However, you should carefully read your policy in full and ensure that you understand its terms and conditions in full. If you have any queries, you should contact Hiscox or your insurance advisor. Your side of the bargain Remember, your premium and insurance are based on the details you have provided to us. Please make sure this information accurately reflects your business and that you inform us immediately if anything needs to change. Please also tell us of any changes in circumstances that may affect the services provided by us or the cover provided by your policy. This is particularly important before taking out a policy, but it also applies throughout the life of the policy too. You need to consider: ■if you fail to fairly present the risk to us, including by failing to disclose any information material to the insurance, you could invalidate the policy, claims may not be paid or the amount we pay maybe reduced; ■you should read and check all insurance documents to ensure that you are aware of the cover, limits and other terms that apply; ■if you fail to let us know of any changes to your circumstances during the period of insurance or, if when telling us about such changes you fail to present the risk to us fairly, you could invalidate the policy, claims may not be paid or the amount we pay maybe reduced; ■please be aware of all terms and conditions of your policy because failure to comply with them could invalidate it or result in us not paying a claim or reducing the amount we pay; ■in the event ofa claim, you should take note of the required procedures, such as giving Hiscox prompt notice of the claims, as stated in the policy documentation. In particular, if you fail to notify us when you first become aware ofa shortcoming, fact, or problem, admit you are liable for what has happened or appoint solicitors or other legal representation without our prior written approval, claims or defence costs may not be paid or the amount we pay maybe reduced; ■as with any insurance, you have an obligation to take reasonable steps to mitigate any loss or liability; ■if you make a fraudulent claim or try to deceive us, we may terminate the policy. Policy length The period of insurance is shown on your policy schedule. Your policy schedule will also show if the policy is ona continuing cover basis. If itis ona continuing cover basis, we will renew your policy each year for another 12 months and continue to take payment (including any premium adjustment shown in your renewal invitation) using your existing arrangement, unless you tell us otherwise or if your risk changes. If your policy schedule does not show that the policy is ona continuing cover basis, cover will cease at the end of the period of insurance, unless you renew your policy with us. We will provide you witha statement of fact each year and provided that the information contained within the statement of fact is true, complete and accurate, you do not need to provide us with any further information. If any of the information in your statement of fact is not true, complete and accurate, you must let us know. If you do not let us know, it may affect the validity of the policy or our ability to pay a claim. Retroactive dates, geographical and jurisdiction limits Where any section of your policy schedule includes a retroactive date, we will not make any payment for any claim or loss under that section which arises from any activity performed or any act, incident or occurrence taking place, before the retroactive date. Where any section of your policy schedule shows the geographical limits which apply to that section of the policy, we will only pay for claims and losses under that section which arise from activities performed or acts, incidents or occurrences taking place within those geographical limits. Where any section provides cover in respect of your liability to third parties, we will only cover claims first made ina country within the applicable courts stated in that section of your policy schedule. Hiscox Business Insurance Policy summary JAC-PSC-UK-DC556(5.4) 17431b 07/20 Cancellation rights You can cancel this policy by giving us 30 days' notice. You will only be charged for the premiums due up to the date of cancellation. If we need to cancel the policy, we’ll give you 30 days’ notice in writing and refund any surplus premiums you might have paid. Please note – we may deduct an administration fee from any refunded payment.There is an exception to our 30-day notice period, which is triggered when we don’t receive your Direct Debit payments within the agreed 14-day period. At this point, we will contact you as soon as possible and stop the policyPage / 2 immediately. Underwritten by:Hiscox Underwriting Ltd on behalf of the insurers named in the schedule. Page / 1 Certificate of professional indemnity insurance Bell-Vincent Hiscox Underwriting Ltd of 1 Great St. Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Certificate of professional indemnity Insurance Policy number:E/R22VS-7GNAW3QC77O7UFUP Name of policy holder:Bell-Vincent Period of insurance: From 16 August, 2020 to Tuesday 28 January, 2025 both days inclusive. This policy isa Continuing cover policy Insurer: Hiscox Insurance Company Limited Retroactive date: 2021-11-29 Level of cover:£1,000,000 Signed on behalf of Hiscox Underwriting Limited as agent for the insurers Jon Dye CEO, Hiscox UK Notes: (a) This insurance is subject to policy terms and conditions and any special terms notified to the InsuredPage / 1 Hiscox Business Insurance Policy Schedule 14502 10/18 This schedule tells you what is insured 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 August, 2020 Insurance details Policy number: E/R22VS-7GNAW3QC77O7UFUP Period of insurance: From 16 August, 2020 to Tuesday 28 January, 2025 both days inclusive. This policy isa Continuing cover policy. Insured: Bell-Vincent Address: Flat 2 Teresa circles Josephineshire FARNHAM E66 3FN Additional insureds: None Business: Management Consultants Premium details Charged premium – the total amount you’ll pay for this policy. Charged premium: £4,286.33 Insurance Premium Tax (IPT): £637.92 Total charged premium: £393.14 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: £4,286.33 Insurance Premium Tax (IPT): £637.92 Annual total: £393.14 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 £6,850.68 Legal protection £100,000 £0 £5,737.38 Crisis containment £25,000 - £5,874.18 The figures above are in summary only and are not in addition to the 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 August, 2020 Limit of indemnity £1,000,000 Limit applies to in the aggregate, including all costs Excess £1,000 Excess applies to each and every claim or loss, including all costs Geographical limits Worldwide Applicable courts Worldwide (excluding United States of America and Canada) Claims brought in USA or Canada Not covered Additional covers (in addition to overall limit of indemnity stated above) Cover Limit of indemnity Limit applies to Court attendance compensation - employees £250 per person, per day Court attendance compensation - directors and partners£500 per person, per day Court attendance compensation: in total £100,000 in the aggregate Special limits (included within not in addition to the overall limit of indemnity stated above) Cover Limit of indemnity Limit applies to Personal dataPage / 2 claims £250,000 in the aggregate, including all costs Business activities Business management consultant Retroactive date 2021-11-29 Insurer Hiscox Insurance Company LimitedPage / 1 Hiscox Insurance Summary of change Introduction This document has been created to help you understand the key changes to your Hiscox Insurance policy and how they may impact you. Your policy continues to offer professional, tailored insurance to protect you and give you peace of mind that if you need us, you will be supported by our award winning claims team. If you have a query not covered by this document, or if you have any questions or concerns about your policy you should contact us. Frequently asked questions What if my circumstances change during the period of insurance? If your circumstances change during the period of insurance, you only need to let us know if the change means that any of the information in the Statement of Fact is no longer true, complete and accurate. If there are no such changes, you do not need to let us know. If any of the information within the Statement of Fact becomes no longer complete, true or accurate at any point during the period of insurance you must tell us as it may affect the validity of the policy or our ability to pay a claim. Additionally, if your contact details change then you should let us know straightaway. Where doI find the limits that apply to my policy? You can find your maximum allowable limits for turnover and wage rollin your Statement of Fact. You must check this information and tell us or your broker if you expect to exceed the maximum amounts shown. Please note these values may have changed. If there are special limits or special excesses applying to particular covers or types of losses these will be shown in the policy schedule. Please check your policy schedule carefully as they may have changed. My new schedule shows a different premium to last year? What has changed? If an underwriter has reviewed your policy then they may have manually adjusted your premium, for example if you’ve had claims in the last 12 months. Where doI find out about any endorsements on my policy? You will be able to see if an endorsement has been applied or removed by reviewing your Policy Schedule. If you have any queries or concerns, please contact us or your broker if you have one. Hiscox Insurance Summary of change Professional indemnity for business management consultants Summary of change Changes to the cover The following table shows the differences between our new policy wordings (5570 WD- PROF-UK-MAN(7), 15579 WD-PROF-UK-MAN-AG(3)) and our previous wordings (5570 WD-PROF-UK-MAN(6), 15579 WD-PROF-UK-MAN-AG(2)). This isa summary of the changes only. You should refer to the schedule and policy wording for the full description of the cover in place. Area of cover Previous policy New policy Improvement in cover Claims against you Advertising claims. We will pay claims arising from your advertising or branding for defamation or infringement of copyright or moral rights. This does not include claims for passing off, unauthorised use of trademarks or false or misleading advertising. Previously cover was not restricted to defamation or the infringement of copyright or moral rights.Covered Amended Your own lossesChanges to ‘what is covered’ Losses from dishonesty. Your losses arising from the dishonesty of your employees, sub-contractors or outsourcers.Covered Not covered Area of cover Previous policy New policy Improvement in cover Cyber incident. We will not pay claims relating to an actual or possible cyber attack, hacker or social engineering communication. Previously we excluded any virus not specifically targeted at your system.Covered Not covered Computer or digital technology error. We will not pay claims arising from any negligent act, error or omission in the operation or maintenance of computer or digital technology such as development, installation, patching or upgrading.Covered Not coveredChanges to ‘what is not covered’ Infrastructure. We will not pay claims arising from the failure of the service provided by internet, telecommunications, utilities or other infrastructure providers.Covered Not covered Hiscox Insurance Summary of change Personal data. We will not pay claims relating to personal data. We will pay such claims where they arise from your performance ofa business activity and which is not otherwise excluded. Subject to the limit shown in the schedule.Covered Not covered Other important changes Control of defence. Under the previous wording we had a duty to defend you against any covered claim brought against you. We now have the right but not the obligation to take control of the conduct of the claim including the appointment of legal representation. Please refer to the policy wording for full details. SOC-PROF-UK-MAN(1) 21367 01/21	E/R22VS-7GNAW3QC77O7UFUP	(?<=Policy number - )[-\w_\/\.]+?(?= Company name)	16 August, 2020	(?<=anniversary of your policy is approaching on )[-\w_\/\. ,]+?(?= \.)	null	null	Business	(?<=time to renew your Hiscox )[-\w_\/\. ]+?(?= Insurance)	2024-02-05
hiscox-business-1	Hiscox Business Insurance - Policy number - NLM2-KP-E/HXL Company name: Fisher Group It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : NLM2-KP-E/HXL. Company name: Fisher Group. Your Hiscox Insurance premium. Last year’s annual premium: This year’s annual premium. £ 9,432.26. £ 9,432.26. The premium includes all applicable insurance premium tax (IPT). Dear Dr Vincent Poole. Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 19/08/2023 . Good news; if you want cover to continue with us and to make sure you stay protected by our award-winning cover, you do not need to do anything. We will update your policy onto our latest wording and continue to collect payment using the payment details we have for you. You must read the important information contained in this email and the attached documents. Your Hiscox Insurance Premium breakdown. The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). The amount shown as last year’s Annual premium will take into account any changes to the cover which may have been made during the last policy period. Cover. Last year’s annual premium (exc IPT). This year’s annual Premium (exc IPT). Professional indemnity. £3,627.31. £3,627.31. Legal protection. £5,512.58. £5,512.58. Crisis containment. £9,935.02. Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy . Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government increase in Insurance Premium Tax as shown. Is our information correct? Your premium and cover are based on what you’ve told us about Fisher 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 19/08/2023 . We’re here between 8:30am - 5:30pm Monday to Friday . Please note that we can only discuss policy changes with people named on the policy. Why renew with Hiscox. - Reassuring: we offer a range of cover options that can be tailored to your needs. - Flexible: we offer full flexibility to change your policy, with no administration fees . - Award-winning cover : we’ve been named Best Small Business Insurer 7 years running by Start Your Business Magazine . Please click this link for the Hiscox Referral Portal: https://refer.aklamio.com/hiscox/uk?source=postpurchase. Thank you again for choosing Hiscox to insure your business. We hope you and your business have a very successful year. Kind regards. Jon Dye. CEO, Hiscox UK. Business Insurance for the small and the brave. To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre. Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. This email and any files transmitted with it are confidential and intended solely for the use of the individual or entity to whom they are addressed. No one else is authorised to distribute, forward, print, copy or act upon any information contained in this email. If you have received this email in error, please notify the sender. Hiscox Syndicates Limited and Hiscox Insurance Company Limited are authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Hiscox Underwriting Limited, Hiscox Underwriting Services Ltd, Hiscox MGA Ltd and Hiscox ASM Ltd are authorised and regulated by the Financial Conduct Authority. Hiscox Assure SAS is duly registered as an insurance broker with the ORIAS, which is the French Official Registry of Insurance Intermediaries. Hiscox plc is a company registered in England and Wales under company registration number 2837811 and registered office at 1 Great St Helen's, London EC3A 6HX. Hiscox SA is a company registered in Luxembourg at 35 Avenue John F. Kennedy 35F, Luxembourg L-1855, and is authorised by the Commissariat aux Assurances de Luxembourg. It’s time to renew your Hiscox Business Insurance Hiscox Insurance policy number : NLM2-KP-E/HXL Company name: Fisher Group . It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : NLM2-KP-E/HXL Company name: Fisher Group . Your Hiscox Insurance premium Last year’s annual premium: This year’s annual premium The premium includes all applicable insurance premium tax (IPT). £ 9,432.26 £ 9,432.26 . Your Hiscox Insurance premium . Last year’s annual premium: This year’s annual premium £ 9,432.26 £ 9,432.26 . The premium includes all applicable insurance premium tax (IPT). Dear Dr Vincent Poole . Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 19/08/2023 . Good news; if you want cover to continue with us and to make sure you stay protected by our award-winning cover, you do not need to do anything. We will update your policy onto our latest wording and continue to collect payment using the payment details we have for you. You must read the important information contained in this email and the attached documents Your Hiscox Insurance Premium breakdown The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). The amount shown as last year’s Annual premium will take into account any changes to the cover which may have been made during the last policy period. Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) Professional indemnity £3,627.31 £3,627.31 Legal protection £5,512.58 £5,512.58 Crisis containment £9,935.02 Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government increase in Insurance Premium Tax as shown. Is our information correct? Your premium and cover are based on what you’ve told us about Fisher 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 19/08/2023 . We’re here between 8:30am - 5:30pm Monday to Friday . Please note that we can only discuss policy changes with people named on the policy. Why renew with Hiscox - Reassuring: we offer a range of cover options that can be tailored to your needs - Flexible: we offer full flexibility to change your policy, with no administration fees - Award-winning cover : we’ve been named Best Small Business Insurer 7 years running by Start Your Business Magazine Please click this link for the Hiscox Referral Portal: https://refer.aklamio.com/hiscox/uk?source=postpurchase Thank you again for choosing Hiscox to insure your business. We hope you and your business have a very successful year. Kind regards Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 19/08/2023 . Good news; if you want cover to continue with us and to make sure you stay protected by our award-winning cover, you do not need to do anything. We will update your policy onto our latest wording and continue to collect payment using the payment details we have for you. You must read the important information contained in this email and the attached documents Your Hiscox Insurance Premium breakdown The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). The amount shown as last year’s Annual premium will take into account any changes to the cover which may have been made during the last policy period. Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) Professional indemnity £3,627.31 £3,627.31 Legal protection £5,512.58 £5,512.58 Crisis containment £9,935.02 Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government increase in Insurance Premium Tax as shown. Is our information correct? Your premium and cover are based on what you’ve told us about Fisher 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 19/08/2023 . We’re here between 8:30am - 5:30pm Monday to Friday . Please note that we can only discuss policy changes with people named on the policy. Why renew with Hiscox - Reassuring: we offer a range of cover options that can be tailored to your needs - Flexible: we offer full flexibility to change your policy, with no administration fees - Award-winning cover : we’ve been named Best Small Business Insurer 7 years running by Start Your Business Magazine Please click this link for the Hiscox Referral Portal: https://refer.aklamio.com/hiscox/uk?source=postpurchase Thank you again for choosing Hiscox to insure your business. We hope you and your business have a very successful year. Kind regards Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Your Hiscox Insurance Premium breakdown The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). Cover Professional indemnity Legal protection Crisis containment . Last year’s annual premium (exc IPT) £3,627.31 £5,512.58 £9,935.02 . This year’s annual Premium (exc IPT) £3,627.31 £5,512.58 . Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) . Professional indemnity £3,627.31 £3,627.31 . Legal protection £5,512.58 £5,512.58 . Crisis containment £9,935.02 . Kind regards Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre . Kind regards . Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave . To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre . Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Page / 1 Hiscox Business Insurance Policy wording 17431a - DC565 WORDING 04/17Guide to sectionsIntroduction Policy wordings General terms and conditions Professional indemnity for business management consultants Legal protection Crisis containment Hiscox Business Insurance Policy wording 17431a - DC565 WORDING 04/17IntroductionThank you for choosing Hiscox to protect your business. We hope that the language and layout of this policy wording are clear because we want you to understand the insurance we provide as well as the responsibilities we have to each other. Please read this document, including the policy schedule, policy summary and statement of fact, and let us know as soon as possible if any of the details are shown incorrectly. We always try to deliver to the highest standards of service. Your views are important to us, so if you feel that our service is below the standard you would expect from Hiscox, please contact us on the phone number shown in your policy schedule. Please note that some of the words we use in this insurance are shown in bold type. These words are defined in each section of the wording. Page / 1 Hiscox Insurance Payment schedule Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Thank you for continuing to pay for your policy by Direct Debit. Please check these details and let us know if anything is incorrect or if the schedule is not suitable. Your reference details Account holder name: Vincent Poole Frequency of collection: Annual Sort code: %BANK_SORT_CODE_1% Account number: %BANK_ACCOUNT_NUMBER_1% Your Direct Debit schedule We will take payments on the dates outlined below: Date Amount 2025-03-20 £9,432.26 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: NLM2-KP-E/HXL If you have any questions about your policy or payments, please call us on 0800 280 0351. We’re here between 8:30am - 5:30pm Monday to Friday or you can email us at service@hiscox.co.uk. Using your personal information Hiscox isa trading name ofa number of Hiscox companies. The specific company acting asa data controller of your personal information will be listed in the documentation we provide to you. If you are unsure you can also contact us at anytime by telephoning 01904 681198 or by emailing us at dataprotectionofficer@hiscox.com. We collect and process information about you in order to provide insurance policies and to process claims. Your information is also used for business purposes such as fraud prevention and detection and financial management. This may involve sharing your information with, and obtaining information about you from, our group companies and third parties such as brokers, loss adjusters, credit reference agencies, service providers, professional advisors, our regulators or fraud prevention agencies. We may record telephone calls to help us monitor and improve the service we provide. For further information on how your information is used and your rights in relation to your information please see our privacy policy at www.hiscox.co.uk/cookies-privacy. The Direct Debit Guarantee This Guarantee is offered by all banks and building societies that accept instructions to pay Direct Debits. If there are any changes to the amount, date or frequency of your Direct Debit Hiscox Underwriting Ltd will notify you ten working days in advance of your account being debited or as otherwise agreed. If you request Hiscox Underwriting Ltd to collect a payment, confirmation of the amount and date will be given to you at the time of the request. If an error is made in the payment of your Direct Debit by Hiscox Underwriting Ltd or your bank or building society you are entitled to a full and immediate refund of the amount paid from your bank or building society. – If you receive a refund you are not entitled to, you must pay it back when Hiscox Underwriting Ltd asks you to. You can cancel a Direct Debit at anytime by simply contacting your bank or building society. Written confirmation maybe required. Please also notify us. Page / 1 Hiscox Business Insurance Policy summary JAC-PSC-UK-DC556(5.4) 17431b 07/20 Your Hiscox Business Insurance policy summaries This document contains the summaries for any policy covers you have selected to protect your business. These summaries outline the key information about your policies so you can be confident that you have understood what you have bought and what you are covered for. However, you should carefully read your policy in full and ensure that you understand its terms and conditions in full. If you have any queries, you should contact Hiscox or your insurance advisor. Your side of the bargain Remember, your premium and insurance are based on the details you have provided to us. Please make sure this information accurately reflects your business and that you inform us immediately if anything needs to change. Please also tell us of any changes in circumstances that may affect the services provided by us or the cover provided by your policy. This is particularly important before taking out a policy, but it also applies throughout the life of the policy too. You need to consider: ■if you fail to fairly present the risk to us, including by failing to disclose any information material to the insurance, you could invalidate the policy, claims may not be paid or the amount we pay maybe reduced; ■you should read and check all insurance documents to ensure that you are aware of the cover, limits and other terms that apply; ■if you fail to let us know of any changes to your circumstances during the period of insurance or, if when telling us about such changes you fail to present the risk to us fairly, you could invalidate the policy, claims may not be paid or the amount we pay maybe reduced; ■please be aware of all terms and conditions of your policy because failure to comply with them could invalidate it or result in us not paying a claim or reducing the amount we pay; ■in the event ofa claim, you should take note of the required procedures, such as giving Hiscox prompt notice of the claims, as stated in the policy documentation. In particular, if you fail to notify us when you first become aware ofa shortcoming, fact, or problem, admit you are liable for what has happened or appoint solicitors or other legal representation without our prior written approval, claims or defence costs may not be paid or the amount we pay maybe reduced; ■as with any insurance, you have an obligation to take reasonable steps to mitigate any loss or liability; ■if you make a fraudulent claim or try to deceive us, we may terminate the policy. Policy length The period of insurance is shown on your policy schedule. Your policy schedule will also show if the policy is ona continuing cover basis. If itis ona continuing cover basis, we will renew your policy each year for another 12 months and continue to take payment (including any premium adjustment shown in your renewal invitation) using your existing arrangement, unless you tell us otherwise or if your risk changes. If your policy schedule does not show that the policy is ona continuing cover basis, cover will cease at the end of the period of insurance, unless you renew your policy with us. We will provide you witha statement of fact each year and provided that the information contained within the statement of fact is true, complete and accurate, you do not need to provide us with any further information. If any of the information in your statement of fact is not true, complete and accurate, you must let us know. If you do not let us know, it may affect the validity of the policy or our ability to pay a claim. Retroactive dates, geographical and jurisdiction limits Where any section of your policy schedule includes a retroactive date, we will not make any payment for any claim or loss under that section which arises from any activity performed or any act, incident or occurrence taking place, before the retroactive date. Where any section of your policy schedule shows the geographical limits which apply to that section of the policy, we will only pay for claims and losses under that section which arise from activities performed or acts, incidents or occurrences taking place within those geographical limits. Where any section provides cover in respect of your liability to third parties, we will only cover claims first made ina country within the applicable courts stated in that section of your policy schedule. Hiscox Business Insurance Policy summary JAC-PSC-UK-DC556(5.4) 17431b 07/20 Cancellation rights You can cancel this policy by giving us 30 days' notice. You will only be charged for the premiums due up to the date of cancellation. If we need to cancel the policy, we’ll give you 30 days’ notice in writing and refund any surplus premiums you might have paid. Please note – we may deduct an administration fee from any refunded payment.There is an exception to our 30-day notice period, which is triggered when we don’t receive your Direct Debit payments within the agreed 14-day period. At this point, we will contact you as soon as possible and stop the policyPage / 2 immediately. Underwritten by:Hiscox Underwriting Ltd on behalf of the insurers named in the schedule. Page / 1 Certificate of professional indemnity insurance Fisher 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:NLM2-KP-E/HXL Name of policy holder:Fisher Group Period of insurance: From 19/08/2023 to Friday 15 January, 2021 both days inclusive. This policy isa Continuing cover policy Insurer: Hiscox Insurance Company Limited Retroactive date: Sunday 10 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: 19/08/2023 Insurance details Policy number: NLM2-KP-E/HXL Period of insurance: From 19/08/2023 to Friday 15 January, 2021 both days inclusive. This policy isa Continuing cover policy. Insured: Fisher Group Address: Studio 74e Hayward rest South Harryfort FARNHAM W19 2AN Additional insureds: None Business: Management Consultants Premium details Charged premium – the total amount you’ll pay for this policy. Charged premium: £2,288.90 Insurance Premium Tax (IPT): £3,512.91 Total charged premium: £9,432.26 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: £2,288.90 Insurance Premium Tax (IPT): £3,512.91 Annual total: £9,432.26 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 £3,627.31 Legal protection £100,000 £0 £5,512.58 Crisis containment £25,000 - £9,935.02 The figures above are in summary only and are not in addition to the amount insured specified against each cover section below. Hiscox Business Insurance Policy Schedule 14502 10/18 SECTION: PROFESSIONAL INDEMNITY – MANAGEMENT CONSULTANTS Cover start date: 19/08/2023 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 dataPage / 2 claims £250,000 in the aggregate, including all costs Business activities Business management consultant Retroactive date Sunday 10 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	NLM2-KP-E/HXL	(?<=Policy number - )[-\w_\/\.]+?(?= Company name)	19/08/2023	(?<=anniversary of your policy is approaching on )[-\w_\/\. ,]+?(?= \.)	null	null	Business	(?<=time to renew your Hiscox )[-\w_\/\. ]+?(?= Insurance)	2024-02-05
hiscox-business-1	Hiscox Business Insurance - Policy number - EJH-YLCX/TJG Company name: Fletcher Group It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : EJH-YLCX/TJG. Company name: Fletcher Group. Your Hiscox Insurance premium. Last year’s annual premium: This year’s annual premium. £ 8,289.57. £ 8,289.57. The premium includes all applicable insurance premium tax (IPT). Dear Mr Victoria Foster. Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 07 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. £797.46. £797.46. Legal protection. £7,433.52. £7,433.52. Crisis containment. £2,818.77. Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy . Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government 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 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 07 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 : EJH-YLCX/TJG Company name: Fletcher Group . It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : EJH-YLCX/TJG Company name: Fletcher Group . Your Hiscox Insurance premium Last year’s annual premium: This year’s annual premium The premium includes all applicable insurance premium tax (IPT). £ 8,289.57 £ 8,289.57 . Your Hiscox Insurance premium . Last year’s annual premium: This year’s annual premium £ 8,289.57 £ 8,289.57 . The premium includes all applicable insurance premium tax (IPT). Dear Mr Victoria Foster . Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 07 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 £797.46 £797.46 Legal protection £7,433.52 £7,433.52 Crisis containment £2,818.77 Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government 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 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 07 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 07 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 £797.46 £797.46 Legal protection £7,433.52 £7,433.52 Crisis containment £2,818.77 Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government 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 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 07 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) £797.46 £7,433.52 £2,818.77 . This year’s annual Premium (exc IPT) £797.46 £7,433.52 . Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) . Professional indemnity £797.46 £797.46 . Legal protection £7,433.52 £7,433.52 . Crisis containment £2,818.77 . Kind regards Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre . Kind regards . Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave . To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre . Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Page / 1 Hiscox Business Insurance Policy wording 17431a - DC565 WORDING 04/17Guide to sectionsIntroduction Policy wordings General terms and conditions Professional indemnity for business management consultants Legal protection Crisis containment Hiscox Business Insurance Policy wording 17431a - DC565 WORDING 04/17IntroductionThank you for choosing Hiscox to protect your business. We hope that the language and layout of this policy wording are clear because we want you to understand the insurance we provide as well as the responsibilities we have to each other. Please read this document, including the policy schedule, policy summary and statement of fact, and let us know as soon as possible if any of the details are shown incorrectly. We always try to deliver to the highest standards of service. Your views are important to us, so if you feel that our service is below the standard you would expect from Hiscox, please contact us on the phone number shown in your policy schedule. Please note that some of the words we use in this insurance are shown in bold type. These words are defined in each section of the wording. Page / 1 Hiscox Insurance Payment schedule Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Thank you for continuing to pay for your policy by Direct Debit. Please check these details and let us know if anything is incorrect or if the schedule is not suitable. Your reference details Account holder name: Victoria 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 2019-11-25 £8,289.57 Where your chosen collection date falls ona non-working day then we will endeavour to collect the next working day. For your information, the collections will be made using the following reference number: Originator Identification Number: 293461 Reference Number: EJH-YLCX/TJG If you have any questions about your policy or payments, please call us on 0800 280 0351. We’re here between 8:30am - 5:30pm Monday to Friday or you can email us at service@hiscox.co.uk. Using your personal information Hiscox isa trading name ofa number of Hiscox companies. The specific company acting asa data controller of your personal information will be listed in the documentation we provide to you. If you are unsure you can also contact us at anytime by telephoning 01904 681198 or by emailing us at dataprotectionofficer@hiscox.com. We collect and process information about you in order to provide insurance policies and to process claims. Your information is also used for business purposes such as fraud prevention and detection and financial management. This may involve sharing your information with, and obtaining information about you from, our group companies and third parties such as brokers, loss adjusters, credit reference agencies, service providers, professional advisors, our regulators or fraud prevention agencies. We may record telephone calls to help us monitor and improve the service we provide. For further information on how your information is used and your rights in relation to your information please see our privacy policy at www.hiscox.co.uk/cookies-privacy. The Direct Debit Guarantee This Guarantee is offered by all banks and building societies that accept instructions to pay Direct Debits. If there are any changes to the amount, date or frequency of your Direct Debit Hiscox Underwriting Ltd will notify you ten working days in advance of your account being debited or as otherwise agreed. If you request Hiscox Underwriting Ltd to collect a payment, confirmation of the amount and date will be given to you at the time of the request. If an error is made in the payment of your Direct Debit by Hiscox Underwriting Ltd or your bank or building society you are entitled to a full and immediate refund of the amount paid from your bank or building society. – If you receive a refund you are not entitled to, you must pay it back when Hiscox Underwriting Ltd asks you to. You can cancel a Direct Debit at anytime by simply contacting your bank or building society. Written confirmation maybe required. Please also notify us. Page / 1 Hiscox Business Insurance Policy summary JAC-PSC-UK-DC556(5.4) 17431b 07/20 Your Hiscox Business Insurance policy summaries This document contains the summaries for any policy covers you have selected to protect your business. These summaries outline the key information about your policies so you can be confident that you have understood what you have bought and what you are covered for. However, you should carefully read your policy in full and ensure that you understand its terms and conditions in full. If you have any queries, you should contact Hiscox or your insurance advisor. Your side of the bargain Remember, your premium and insurance are based on the details you have provided to us. Please make sure this information accurately reflects your business and that you inform us immediately if anything needs to change. Please also tell us of any changes in circumstances that may affect the services provided by us or the cover provided by your policy. This is particularly important before taking out a policy, but it also applies throughout the life of the policy too. You need to consider: ■if you fail to fairly present the risk to us, including by failing to disclose any information material to the insurance, you could invalidate the policy, claims may not be paid or the amount we pay maybe reduced; ■you should read and check all insurance documents to ensure that you are aware of the cover, limits and other terms that apply; ■if you fail to let us know of any changes to your circumstances during the period of insurance or, if when telling us about such changes you fail to present the risk to us fairly, you could invalidate the policy, claims may not be paid or the amount we pay maybe reduced; ■please be aware of all terms and conditions of your policy because failure to comply with them could invalidate it or result in us not paying a claim or reducing the amount we pay; ■in the event ofa claim, you should take note of the required procedures, such as giving Hiscox prompt notice of the claims, as stated in the policy documentation. In particular, if you fail to notify us when you first become aware ofa shortcoming, fact, or problem, admit you are liable for what has happened or appoint solicitors or other legal representation without our prior written approval, claims or defence costs may not be paid or the amount we pay maybe reduced; ■as with any insurance, you have an obligation to take reasonable steps to mitigate any loss or liability; ■if you make a fraudulent claim or try to deceive us, we may terminate the policy. Policy length The period of insurance is shown on your policy schedule. Your policy schedule will also show if the policy is ona continuing cover basis. If itis ona continuing cover basis, we will renew your policy each year for another 12 months and continue to take payment (including any premium adjustment shown in your renewal invitation) using your existing arrangement, unless you tell us otherwise or if your risk changes. If your policy schedule does not show that the policy is ona continuing cover basis, cover will cease at the end of the period of insurance, unless you renew your policy with us. We will provide you witha statement of fact each year and provided that the information contained within the statement of fact is true, complete and accurate, you do not need to provide us with any further information. If any of the information in your statement of fact is not true, complete and accurate, you must let us know. If you do not let us know, it may affect the validity of the policy or our ability to pay a claim. Retroactive dates, geographical and jurisdiction limits Where any section of your policy schedule includes a retroactive date, we will not make any payment for any claim or loss under that section which arises from any activity performed or any act, incident or occurrence taking place, before the retroactive date. Where any section of your policy schedule shows the geographical limits which apply to that section of the policy, we will only pay for claims and losses under that section which arise from activities performed or acts, incidents or occurrences taking place within those geographical limits. Where any section provides cover in respect of your liability to third parties, we will only cover claims first made ina country within the applicable courts stated in that section of your policy schedule. Hiscox Business Insurance Policy summary JAC-PSC-UK-DC556(5.4) 17431b 07/20 Cancellation rights You can cancel this policy by giving us 30 days' notice. You will only be charged for the premiums due up to the date of cancellation. If we need to cancel the policy, we’ll give you 30 days’ notice in writing and refund any surplus premiums you might have paid. Please note – we may deduct an administration fee from any refunded payment.There is an exception to our 30-day notice period, which is triggered when we don’t receive your Direct Debit payments within the agreed 14-day period. At this point, we will contact you as soon as possible and stop the 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 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:EJH-YLCX/TJG Name of policy holder:Fletcher Group Period of insurance: From 07 July, 2019 to Saturday 24 April, 2021 both days inclusive. This policy isa Continuing cover policy Insurer: Hiscox Insurance Company Limited Retroactive date: Mon 25 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 July, 2019 Insurance details Policy number: EJH-YLCX/TJG Period of insurance: From 07 July, 2019 to Saturday 24 April, 2021 both days inclusive. This policy isa Continuing cover policy. Insured: Fletcher Group Address: Flat 8 Jay common Port Hazelburgh FARNHAM EX86 6GB Additional insureds: None Business: Management Consultants Premium details Charged premium – the total amount you’ll pay for this policy. Charged premium: £172.66 Insurance Premium Tax (IPT): £5,293.18 Total charged premium: £8,289.57 Annualised premium – the annual premium for this policy. This is given for comparison purposes. Please refer to the charged premium section for the amount you’ll pay for the policy. Annual premium: £172.66 Insurance Premium Tax (IPT): £5,293.18 Annual total: £8,289.57 Please note that there will be no refund or additional premium for any transaction which is less than £20 (excluding IPT). Hiscox Business Insurance Policy Schedule 14502 10/18 Summary Claims information If you need to make a claim: - For claims relating to your building or contents please contact our claims team on 0800 247 1902, 9.00am – 5:30pm Monday to Friday. If you wish to make a claim online, you can log most claims quickly and easily through our claims notification portal at https://claims.hiscox.co.uk/. Outside of normal business hours, if you require emergency assistance in relation to substantial damage to your property, you can speak to our 24-hour emergency assistance team using the telephone number above. Your policy schedule will state if property cover is included in your policy. Our out-of-hours emergency assistance team operate ona pay-and-claim basis and you will need to have credit card details available as appropriate. The team will then be able to direct you to essential tradesmen, emergency loss adjusters or disaster management companies in the event of substantial damage. - If there isa claim (or potential claim) against you bya third party, please email us at liability.claims@hiscox.com. If you need to speak to a member of the claims team urgently, please call our team on 0800 711 7156, 9.00am – 5:30pm Monday to Friday. If you wish to make a claim online, you can log most claims quickly and easily through our claims notification portal at https://claims.hiscox.co.uk/. You will need to provide your full name and contact details, the name of your business or organisation, your address and postcode, the policy reference and circumstances of the claim. The Important information and contact details section below contains additional information specific to the covers applicable to your policy. If you are unsure of who to contact please call our team on 0800 711 7156, 9.00am – 5:30pm Monday to Friday. They will ensure you get through to the correct claims team and let you know what actions you need to take. If anything happens that might be covered under the policy, you must comply with the obligations set out in General claims conditions, together with the obligations set out under Your obligations in the section or sections under which you are making the claim. Itis important that you read the policy for details of its terms in full. Your covers This isa summary of each section of your policy. See each section for cover details. Cover Insurance amount Excess Annual Premium (exc IPT) Professional indemnity £1,000,000 £1,000 £797.46 Legal protection £100,000 £0 £7,433.52 Crisis containment £25,000 - £2,818.77 The figures above are in summary only and are not in addition to the 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 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 dataPage / 2 claims £250,000 in the aggregate, including all costs Business activities Business management consultant Retroactive date Mon 25 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	EJH-YLCX/TJG	(?<=Policy number - )[-\w_\/\.]+?(?= Company name)	07 July, 2019	(?<=anniversary of your policy is approaching on )[-\w_\/\. ,]+?(?= \.)	null	null	Business	(?<=time to renew your Hiscox )[-\w_\/\. ]+?(?= Insurance)	2024-02-05
hiscox-business-1	Hiscox Business Insurance - Policy number - LIEGD/HVENUU/V67ZI6HK Company name: Peters Group It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : LIEGD/HVENUU/V67ZI6HK. Company name: Peters Group. Your Hiscox Insurance premium. Last year’s annual premium: This year’s annual premium. £ 7,092.18. £ 7,092.18. The premium includes all applicable insurance premium tax (IPT). Dear Mrs Joshua Cameron. Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 20/05/24 . Good news; if you want cover to continue with us and to make sure you stay protected by our award-winning cover, you do not need to do anything. We will update your policy onto our latest wording and continue to collect payment using the payment details we have for you. You must read the important information contained in this email and the attached documents. Your Hiscox Insurance Premium breakdown. The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). The amount shown as last year’s Annual premium will take into account any changes to the cover which may have been made during the last policy period. Cover. Last year’s annual premium (exc IPT). This year’s annual Premium (exc IPT). Professional indemnity. £1,932.48. £1,932.48. Legal protection. £9,705.72. £9,705.72. Crisis containment. £9,339.93. Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy . Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government increase in Insurance Premium Tax as shown. Is our information correct? Your premium and cover are based on what you’ve told us about Peters Group , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay. . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover. Policy summary for each cover. ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover . As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before 20/05/24 . We’re here between 8:30am - 5:30pm Monday to Friday . Please note that we can only discuss policy changes with people named on the policy. Why renew with Hiscox. - Reassuring: we offer a range of cover options that can be tailored to your needs. - Flexible: we offer full flexibility to change your policy, with no administration fees . - Award-winning cover : we’ve been named Best Small Business Insurer 7 years running by Start Your Business Magazine . Please click this link for the Hiscox Referral Portal: https://refer.aklamio.com/hiscox/uk?source=postpurchase. Thank you again for choosing Hiscox to insure your business. We hope you and your business have a very successful year. Kind regards. Jon Dye. CEO, Hiscox UK. Business Insurance for the small and the brave. To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre. Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. This email and any files transmitted with it are confidential and intended solely for the use of the individual or entity to whom they are addressed. No one else is authorised to distribute, forward, print, copy or act upon any information contained in this email. If you have received this email in error, please notify the sender. Hiscox Syndicates Limited and Hiscox Insurance Company Limited are authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Hiscox Underwriting Limited, Hiscox Underwriting Services Ltd, Hiscox MGA Ltd and Hiscox ASM Ltd are authorised and regulated by the Financial Conduct Authority. Hiscox Assure SAS is duly registered as an insurance broker with the ORIAS, which is the French Official Registry of Insurance Intermediaries. Hiscox plc is a company registered in England and Wales under company registration number 2837811 and registered office at 1 Great St Helen's, London EC3A 6HX. Hiscox SA is a company registered in Luxembourg at 35 Avenue John F. Kennedy 35F, Luxembourg L-1855, and is authorised by the Commissariat aux Assurances de Luxembourg. It’s time to renew your Hiscox Business Insurance Hiscox Insurance policy number : LIEGD/HVENUU/V67ZI6HK Company name: Peters Group . It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : LIEGD/HVENUU/V67ZI6HK Company name: Peters Group . Your Hiscox Insurance premium Last year’s annual premium: This year’s annual premium The premium includes all applicable insurance premium tax (IPT). £ 7,092.18 £ 7,092.18 . Your Hiscox Insurance premium . Last year’s annual premium: This year’s annual premium £ 7,092.18 £ 7,092.18 . The premium includes all applicable insurance premium tax (IPT). Dear Mrs Joshua Cameron . Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 20/05/24 . Good news; if you want cover to continue with us and to make sure you stay protected by our award-winning cover, you do not need to do anything. We will update your policy onto our latest wording and continue to collect payment using the payment details we have for you. You must read the important information contained in this email and the attached documents Your Hiscox Insurance Premium breakdown The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). The amount shown as last year’s Annual premium will take into account any changes to the cover which may have been made during the last policy period. Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) Professional indemnity £1,932.48 £1,932.48 Legal protection £9,705.72 £9,705.72 Crisis containment £9,339.93 Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government increase in Insurance Premium Tax as shown. Is our information correct? Your premium and cover are based on what you’ve told us about Peters Group , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover Policy summary for each cover ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before 20/05/24 . We’re here between 8:30am - 5:30pm Monday to Friday . Please note that we can only discuss policy changes with people named on the policy. Why renew with Hiscox - Reassuring: we offer a range of cover options that can be tailored to your needs - Flexible: we offer full flexibility to change your policy, with no administration fees - Award-winning cover : we’ve been named Best Small Business Insurer 7 years running by Start Your Business Magazine Please click this link for the Hiscox Referral Portal: https://refer.aklamio.com/hiscox/uk?source=postpurchase Thank you again for choosing Hiscox to insure your business. We hope you and your business have a very successful year. Kind regards Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 20/05/24 . Good news; if you want cover to continue with us and to make sure you stay protected by our award-winning cover, you do not need to do anything. We will update your policy onto our latest wording and continue to collect payment using the payment details we have for you. You must read the important information contained in this email and the attached documents Your Hiscox Insurance Premium breakdown The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). The amount shown as last year’s Annual premium will take into account any changes to the cover which may have been made during the last policy period. Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) Professional indemnity £1,932.48 £1,932.48 Legal protection £9,705.72 £9,705.72 Crisis containment £9,339.93 Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government increase in Insurance Premium Tax as shown. Is our information correct? Your premium and cover are based on what you’ve told us about Peters Group , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover Policy summary for each cover ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before 20/05/24 . We’re here between 8:30am - 5:30pm Monday to Friday . Please note that we can only discuss policy changes with people named on the policy. Why renew with Hiscox - Reassuring: we offer a range of cover options that can be tailored to your needs - Flexible: we offer full flexibility to change your policy, with no administration fees - Award-winning cover : we’ve been named Best Small Business Insurer 7 years running by Start Your Business Magazine Please click this link for the Hiscox Referral Portal: https://refer.aklamio.com/hiscox/uk?source=postpurchase Thank you again for choosing Hiscox to insure your business. We hope you and your business have a very successful year. Kind regards Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Your Hiscox Insurance Premium breakdown The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). Cover Professional indemnity Legal protection Crisis containment . Last year’s annual premium (exc IPT) £1,932.48 £9,705.72 £9,339.93 . This year’s annual Premium (exc IPT) £1,932.48 £9,705.72 . Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) . Professional indemnity £1,932.48 £1,932.48 . Legal protection £9,705.72 £9,705.72 . Crisis containment £9,339.93 . Kind regards Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre . Kind regards . Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave . To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre . Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Page / 1 Hiscox Business Insurance Policy wording 17431a - DC565 WORDING 04/17Guide to sectionsIntroduction Policy wordings General terms and conditions Professional indemnity for business management consultants Legal protection Crisis containment Hiscox Business Insurance Policy wording 17431a - DC565 WORDING 04/17IntroductionThank you for choosing Hiscox to protect your business. We hope that the language and layout of this policy wording are clear because we want you to understand the insurance we provide as well as the responsibilities we have to each other. Please read this document, including the policy schedule, policy summary and statement of fact, and let us know as soon as possible if any of the details are shown incorrectly. We always try to deliver to the highest standards of service. Your views are important to us, so if you feel that our service is below the standard you would expect from Hiscox, please contact us on the phone number shown in your policy schedule. Please note that some of the words we use in this insurance are shown in bold type. These words are defined in each section of the wording. Page / 1 Hiscox Insurance Payment schedule Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Thank you for continuing to pay for your policy by Direct Debit. Please check these details and let us know if anything is incorrect or if the schedule is not suitable. Your reference details Account holder name: Joshua Cameron Frequency of collection: Annual Sort code: %BANK_SORT_CODE_1% Account number: %BANK_ACCOUNT_NUMBER_1% Your Direct Debit schedule We will take payments on the dates outlined below: Date Amount 2022-07-22 £7,092.18 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: LIEGD/HVENUU/V67ZI6HK If you have any questions about your policy or payments, please call us on 0800 280 0351. We’re here between 8:30am - 5:30pm Monday to Friday or you can email us at service@hiscox.co.uk. Using your personal information Hiscox isa trading name ofa number of Hiscox companies. The specific company acting asa data controller of your personal information will be listed in the documentation we provide to you. If you are unsure you can also contact us at anytime by telephoning 01904 681198 or by emailing us at dataprotectionofficer@hiscox.com. We collect and process information about you in order to provide insurance policies and to process claims. Your information is also used for business purposes such as fraud prevention and detection and financial management. This may involve sharing your information with, and obtaining information about you from, our group companies and third parties such as brokers, loss adjusters, credit reference agencies, service providers, professional advisors, our regulators or fraud prevention agencies. We may record telephone calls to help us monitor and improve the service we provide. For further information on how your information is used and your rights in relation to your information please see our privacy policy at www.hiscox.co.uk/cookies-privacy. The Direct Debit Guarantee This Guarantee is offered by all banks and building societies that accept instructions to pay Direct Debits. If there are any changes to the amount, date or frequency of your Direct Debit Hiscox Underwriting Ltd will notify you ten working days in advance of your account being debited or as otherwise agreed. If you request Hiscox Underwriting Ltd to collect a payment, confirmation of the amount and date will be given to you at the time of the request. If an error is made in the payment of your Direct Debit by Hiscox Underwriting Ltd or your bank or building society you are entitled to a full and immediate refund of the amount paid from your bank or building society. – If you receive a refund you are not entitled to, you must pay it back when Hiscox Underwriting Ltd asks you to. You can cancel a Direct Debit at anytime by simply contacting your bank or building society. Written confirmation maybe required. Please also notify us. Page / 1 Hiscox Business Insurance Policy summary JAC-PSC-UK-DC556(5.4) 17431b 07/20 Your Hiscox Business Insurance policy summaries This document contains the summaries for any policy covers you have selected to protect your business. These summaries outline the key information about your policies so you can be confident that you have understood what you have bought and what you are covered for. However, you should carefully read your policy in full and ensure that you understand its terms and conditions in full. If you have any queries, you should contact Hiscox or your insurance advisor. Your side of the bargain Remember, your premium and insurance are based on the details you have provided to us. Please make sure this information accurately reflects your business and that you inform us immediately if anything needs to change. Please also tell us of any changes in circumstances that may affect the services provided by us or the cover provided by your policy. This is particularly important before taking out a policy, but it also applies throughout the life of the policy too. You need to consider: ■if you fail to fairly present the risk to us, including by failing to disclose any information material to the insurance, you could invalidate the policy, claims may not be paid or the amount we pay maybe reduced; ■you should read and check all insurance documents to ensure that you are aware of the cover, limits and other terms that apply; ■if you fail to let us know of any changes to your circumstances during the period of insurance or, if when telling us about such changes you fail to present the risk to us fairly, you could invalidate the policy, claims may not be paid or the amount we pay maybe reduced; ■please be aware of all terms and conditions of your policy because failure to comply with them could invalidate it or result in us not paying a claim or reducing the amount we pay; ■in the event ofa claim, you should take note of the required procedures, such as giving Hiscox prompt notice of the claims, as stated in the policy documentation. In particular, if you fail to notify us when you first become aware ofa shortcoming, fact, or problem, admit you are liable for what has happened or appoint solicitors or other legal representation without our prior written approval, claims or defence costs may not be paid or the amount we pay maybe reduced; ■as with any insurance, you have an obligation to take reasonable steps to mitigate any loss or liability; ■if you make a fraudulent claim or try to deceive us, we may terminate the policy. Policy length The period of insurance is shown on your policy schedule. Your policy schedule will also show if the policy is ona continuing cover basis. If itis ona continuing cover basis, we will renew your policy each year for another 12 months and continue to take payment (including any premium adjustment shown in your renewal invitation) using your existing arrangement, unless you tell us otherwise or if your risk changes. If your policy schedule does not show that the policy is ona continuing cover basis, cover will cease at the end of the period of insurance, unless you renew your policy with us. We will provide you witha statement of fact each year and provided that the information contained within the statement of fact is true, complete and accurate, you do not need to provide us with any further information. If any of the information in your statement of fact is not true, complete and accurate, you must let us know. If you do not let us know, it may affect the validity of the policy or our ability to pay a claim. Retroactive dates, geographical and jurisdiction limits Where any section of your policy schedule includes a retroactive date, we will not make any payment for any claim or loss under that section which arises from any activity performed or any act, incident or occurrence taking place, before the retroactive date. Where any section of your policy schedule shows the geographical limits which apply to that section of the policy, we will only pay for claims and losses under that section which arise from activities performed or acts, incidents or occurrences taking place within those geographical limits. Where any section provides cover in respect of your liability to third parties, we will only cover claims first made ina country within the applicable courts stated in that section of your policy schedule. Hiscox Business Insurance Policy summary JAC-PSC-UK-DC556(5.4) 17431b 07/20 Cancellation rights You can cancel this policy by giving us 30 days' notice. You will only be charged for the premiums due up to the date of cancellation. If we need to cancel the policy, we’ll give you 30 days’ notice in writing and refund any surplus premiums you might have paid. Please note – we may deduct an administration fee from any refunded payment.There is an exception to our 30-day notice period, which is triggered when we don’t receive your Direct Debit payments within the agreed 14-day period. At this point, we will contact you as soon as possible and stop the policyPage / 2 immediately. Underwritten by:Hiscox Underwriting Ltd on behalf of the insurers named in the schedule. Page / 1 Certificate of professional indemnity insurance Peters 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:LIEGD/HVENUU/V67ZI6HK Name of policy holder:Peters Group Period of insurance: From 20/05/24 to 13/06/21 both days inclusive. This policy isa Continuing cover policy Insurer: Hiscox Insurance Company Limited Retroactive date: Tuesday 03 September, 2019 Level of cover:£1,000,000 Signed on behalf of Hiscox Underwriting Limited as agent for the insurers Jon Dye CEO, Hiscox UK Notes: (a) This insurance is subject to policy terms and conditions and any special terms notified to the InsuredPage / 1 Hiscox Business Insurance Policy Schedule 14502 10/18 This schedule tells you what is insured with us. It should be read carefully with your policy wording(s) and statement of fact detailed elsewhere in this document. Schedule effective date: 20/05/24 Insurance details Policy number: LIEGD/HVENUU/V67ZI6HK Period of insurance: From 20/05/24 to 13/06/21 both days inclusive. This policy isa Continuing cover policy. Insured: Peters Group Address: 015 Collier landing Kennedymouth FARNHAM NE1X 9AA Additional insureds: None Business: Management Consultants Premium details Charged premium – the total amount you’ll pay for this policy. Charged premium: £7,548.63 Insurance Premium Tax (IPT): £1,966.65 Total charged premium: £7,092.18 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: £7,548.63 Insurance Premium Tax (IPT): £1,966.65 Annual total: £7,092.18 Please note that there will be no refund or additional premium for any transaction which is less than £20 (excluding IPT). Hiscox Business Insurance Policy Schedule 14502 10/18 Summary Claims information If you need to make a claim: - For claims relating to your building or contents please contact our claims team on 0800 247 1902, 9.00am – 5:30pm Monday to Friday. If you wish to make a claim online, you can log most claims quickly and easily through our claims notification portal at https://claims.hiscox.co.uk/. Outside of normal business hours, if you require emergency assistance in relation to substantial damage to your property, you can speak to our 24-hour emergency assistance team using the telephone number above. Your policy schedule will state if property cover is included in your policy. Our out-of-hours emergency assistance team operate ona pay-and-claim basis and you will need to have credit card details available as appropriate. The team will then be able to direct you to essential tradesmen, emergency loss adjusters or disaster management companies in the event of substantial damage. - If there isa claim (or potential claim) against you bya third party, please email us at liability.claims@hiscox.com. If you need to speak to a member of the claims team urgently, please call our team on 0800 711 7156, 9.00am – 5:30pm Monday to Friday. If you wish to make a claim online, you can log most claims quickly and easily through our claims notification portal at https://claims.hiscox.co.uk/. You will need to provide your full name and contact details, the name of your business or organisation, your address and postcode, the policy reference and circumstances of the claim. The Important information and contact details section below contains additional information specific to the covers applicable to your policy. If you are unsure of who to contact please call our team on 0800 711 7156, 9.00am – 5:30pm Monday to Friday. They will ensure you get through to the correct claims team and let you know what actions you need to take. If anything happens that might be covered under the policy, you must comply with the obligations set out in General claims conditions, together with the obligations set out under Your obligations in the section or sections under which you are making the claim. Itis important that you read the policy for details of its terms in full. Your covers This isa summary of each section of your policy. See each section for cover details. Cover Insurance amount Excess Annual Premium (exc IPT) Professional indemnity £1,000,000 £1,000 £1,932.48 Legal protection £100,000 £0 £9,705.72 Crisis containment £25,000 - £9,339.93 The figures above are in summary only and are not in addition to the amount insured specified against each cover section below. Hiscox Business Insurance Policy Schedule 14502 10/18 SECTION: PROFESSIONAL INDEMNITY – MANAGEMENT CONSULTANTS Cover start date: 20/05/24 Limit of indemnity £1,000,000 Limit applies to in the aggregate, including all costs Excess £1,000 Excess applies to each and every claim or loss, including all costs Geographical limits Worldwide Applicable courts Worldwide (excluding United States of America and Canada) Claims brought in USA or Canada Not covered Additional covers (in addition to overall limit of indemnity stated above) Cover Limit of indemnity Limit applies to Court attendance compensation - employees £250 per person, per day Court attendance compensation - directors and partners£500 per person, per day Court attendance compensation: in total £100,000 in the aggregate Special limits (included within not in addition to the overall limit of indemnity stated above) Cover Limit of indemnity Limit applies to Personal dataPage / 2 claims £250,000 in the aggregate, including all costs Business activities Business management consultant Retroactive date Tuesday 03 September, 2019 Insurer Hiscox Insurance Company LimitedPage / 1 Hiscox Insurance Summary of change Introduction This document has been created to help you understand the key changes to your Hiscox Insurance policy and how they may impact you. Your policy continues to offer professional, tailored insurance to protect you and give you peace of mind that if you need us, you will be supported by our award winning claims team. If you have a query not covered by this document, or if you have any questions or concerns about your policy you should contact us. Frequently asked questions What if my circumstances change during the period of insurance? If your circumstances change during the period of insurance, you only need to let us know if the change means that any of the information in the Statement of Fact is no longer true, complete and accurate. If there are no such changes, you do not need to let us know. If any of the information within the Statement of Fact becomes no longer complete, true or accurate at any point during the period of insurance you must tell us as it may affect the validity of the policy or our ability to pay a claim. Additionally, if your contact details change then you should let us know straightaway. Where doI find the limits that apply to my policy? You can find your maximum allowable limits for turnover and wage rollin your Statement of Fact. You must check this information and tell us or your broker if you expect to exceed the maximum amounts shown. Please note these values may have changed. If there are special limits or special excesses applying to particular covers or types of losses these will be shown in the policy schedule. Please check your policy schedule carefully as they may have changed. My new schedule shows a different premium to last year? What has changed? If an underwriter has reviewed your policy then they may have manually adjusted your premium, for example if you’ve had claims in the last 12 months. Where doI find out about any endorsements on my policy? You will be able to see if an endorsement has been applied or removed by reviewing your Policy Schedule. If you have any queries or concerns, please contact us or your broker if you have one. Hiscox Insurance Summary of change Professional indemnity for business management consultants Summary of change Changes to the cover The following table shows the differences between our new policy wordings (5570 WD- PROF-UK-MAN(7), 15579 WD-PROF-UK-MAN-AG(3)) and our previous wordings (5570 WD-PROF-UK-MAN(6), 15579 WD-PROF-UK-MAN-AG(2)). This isa summary of the changes only. You should refer to the schedule and policy wording for the full description of the cover in place. Area of cover Previous policy New policy Improvement in cover Claims against you Advertising claims. We will pay claims arising from your advertising or branding for defamation or infringement of copyright or moral rights. This does not include claims for passing off, unauthorised use of trademarks or false or misleading advertising. Previously cover was not restricted to defamation or the infringement of copyright or moral rights.Covered Amended Your own lossesChanges to ‘what is covered’ Losses from dishonesty. Your losses arising from the dishonesty of your employees, sub-contractors or outsourcers.Covered Not covered Area of cover Previous policy New policy Improvement in cover Cyber incident. We will not pay claims relating to an actual or possible cyber attack, hacker or social engineering communication. Previously we excluded any virus not specifically targeted at your system.Covered Not covered Computer or digital technology error. We will not pay claims arising from any negligent act, error or omission in the operation or maintenance of computer or digital technology such as development, installation, patching or upgrading.Covered Not coveredChanges to ‘what is not covered’ Infrastructure. We will not pay claims arising from the failure of the service provided by internet, telecommunications, utilities or other infrastructure providers.Covered Not covered Hiscox Insurance Summary of change Personal data. We will not pay claims relating to personal data. We will pay such claims where they arise from your performance ofa business activity and which is not otherwise excluded. Subject to the limit shown in the schedule.Covered Not covered Other important changes Control of defence. Under the previous wording we had a duty to defend you against any covered claim brought against you. We now have the right but not the obligation to take control of the conduct of the claim including the appointment of legal representation. Please refer to the policy wording for full details. SOC-PROF-UK-MAN(1) 21367 01/21	LIEGD/HVENUU/V67ZI6HK	(?<=Policy number - )[-\w_\/\.]+?(?= Company name)	20/05/24	(?<=anniversary of your policy is approaching on )[-\w_\/\. ,]+?(?= \.)	null	null	Business	(?<=time to renew your Hiscox )[-\w_\/\. ]+?(?= Insurance)	2024-02-05
hiscox-business-1	Hiscox Business Insurance - Policy number - W3L/VW2U Company name: Davies Inc It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : W3L/VW2U. Company name: Davies Inc. Your Hiscox Insurance premium. Last year’s annual premium: This year’s annual premium. £ 3,115.86. £ 3,115.86. The premium includes all applicable insurance premium tax (IPT). Dear Mr Guy Spencer. Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 07 March, 2022 . Good news; if you want cover to continue with us and to make sure you stay protected by our award-winning cover, you do not need to do anything. We will update your policy onto our latest wording and continue to collect payment using the payment details we have for you. You must read the important information contained in this email and the attached documents. Your Hiscox Insurance Premium breakdown. The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). The amount shown as last year’s Annual premium will take into account any changes to the cover which may have been made during the last policy period. Cover. Last year’s annual premium (exc IPT). This year’s annual Premium (exc IPT). Professional indemnity. £8,506.97. £8,506.97. Legal protection. £1,078.46. £1,078.46. Crisis containment. £8,872.43. Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy . Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government 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 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 March, 2022 . We’re here between 8:30am - 5:30pm Monday to Friday . Please note that we can only discuss policy changes with people named on the policy. Why renew with Hiscox. - Reassuring: we offer a range of cover options that can be tailored to your needs. - Flexible: we offer full flexibility to change your policy, with no administration fees . - Award-winning cover : we’ve been named Best Small Business Insurer 7 years running by Start Your Business Magazine . Please click this link for the Hiscox Referral Portal: https://refer.aklamio.com/hiscox/uk?source=postpurchase. Thank you again for choosing Hiscox to insure your business. We hope you and your business have a very successful year. Kind regards. Jon Dye. CEO, Hiscox UK. Business Insurance for the small and the brave. To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre. Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. This email and any files transmitted with it are confidential and intended solely for the use of the individual or entity to whom they are addressed. No one else is authorised to distribute, forward, print, copy or act upon any information contained in this email. If you have received this email in error, please notify the sender. Hiscox Syndicates Limited and Hiscox Insurance Company Limited are authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Hiscox Underwriting Limited, Hiscox Underwriting Services Ltd, Hiscox MGA Ltd and Hiscox ASM Ltd are authorised and regulated by the Financial Conduct Authority. Hiscox Assure SAS is duly registered as an insurance broker with the ORIAS, which is the French Official Registry of Insurance Intermediaries. Hiscox plc is a company registered in England and Wales under company registration number 2837811 and registered office at 1 Great St Helen's, London EC3A 6HX. Hiscox SA is a company registered in Luxembourg at 35 Avenue John F. Kennedy 35F, Luxembourg L-1855, and is authorised by the Commissariat aux Assurances de Luxembourg. It’s time to renew your Hiscox Business Insurance Hiscox Insurance policy number : W3L/VW2U Company name: Davies Inc . It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : W3L/VW2U Company name: Davies Inc . Your Hiscox Insurance premium Last year’s annual premium: This year’s annual premium The premium includes all applicable insurance premium tax (IPT). £ 3,115.86 £ 3,115.86 . Your Hiscox Insurance premium . Last year’s annual premium: This year’s annual premium £ 3,115.86 £ 3,115.86 . The premium includes all applicable insurance premium tax (IPT). Dear Mr Guy Spencer . Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 07 March, 2022 . Good news; if you want cover to continue with us and to make sure you stay protected by our award-winning cover, you do not need to do anything. We will update your policy onto our latest wording and continue to collect payment using the payment details we have for you. You must read the important information contained in this email and the attached documents Your Hiscox Insurance Premium breakdown The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). The amount shown as last year’s Annual premium will take into account any changes to the cover which may have been made during the last policy period. Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) Professional indemnity £8,506.97 £8,506.97 Legal protection £1,078.46 £1,078.46 Crisis containment £8,872.43 Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government 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 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 March, 2022 . We’re here between 8:30am - 5:30pm Monday to Friday . Please note that we can only discuss policy changes with people named on the policy. Why renew with Hiscox - Reassuring: we offer a range of cover options that can be tailored to your needs - Flexible: we offer full flexibility to change your policy, with no administration fees - Award-winning cover : we’ve been named Best Small Business Insurer 7 years running by Start Your Business Magazine Please click this link for the Hiscox Referral Portal: https://refer.aklamio.com/hiscox/uk?source=postpurchase Thank you again for choosing Hiscox to insure your business. We hope you and your business have a very successful year. Kind regards Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 07 March, 2022 . Good news; if you want cover to continue with us and to make sure you stay protected by our award-winning cover, you do not need to do anything. We will update your policy onto our latest wording and continue to collect payment using the payment details we have for you. You must read the important information contained in this email and the attached documents Your Hiscox Insurance Premium breakdown The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). The amount shown as last year’s Annual premium will take into account any changes to the cover which may have been made during the last policy period. Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) Professional indemnity £8,506.97 £8,506.97 Legal protection £1,078.46 £1,078.46 Crisis containment £8,872.43 Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government 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 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 March, 2022 . We’re here between 8:30am - 5:30pm Monday to Friday . Please note that we can only discuss policy changes with people named on the policy. Why renew with Hiscox - Reassuring: we offer a range of cover options that can be tailored to your needs - Flexible: we offer full flexibility to change your policy, with no administration fees - Award-winning cover : we’ve been named Best Small Business Insurer 7 years running by Start Your Business Magazine Please click this link for the Hiscox Referral Portal: https://refer.aklamio.com/hiscox/uk?source=postpurchase Thank you again for choosing Hiscox to insure your business. We hope you and your business have a very successful year. Kind regards Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Your Hiscox Insurance Premium breakdown The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). Cover Professional indemnity Legal protection Crisis containment . Last year’s annual premium (exc IPT) £8,506.97 £1,078.46 £8,872.43 . This year’s annual Premium (exc IPT) £8,506.97 £1,078.46 . Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) . Professional indemnity £8,506.97 £8,506.97 . Legal protection £1,078.46 £1,078.46 . Crisis containment £8,872.43 . Kind regards Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre . Kind regards . Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave . To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre . Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Page / 1 Hiscox Business Insurance Policy wording 17431a - DC565 WORDING 04/17Guide to sectionsIntroduction Policy wordings General terms and conditions Professional indemnity for business management consultants Legal protection Crisis containment Hiscox Business Insurance Policy wording 17431a - DC565 WORDING 04/17IntroductionThank you for choosing Hiscox to protect your business. We hope that the language and layout of this policy wording are clear because we want you to understand the insurance we provide as well as the responsibilities we have to each other. Please read this document, including the policy schedule, policy summary and statement of fact, and let us know as soon as possible if any of the details are shown incorrectly. We always try to deliver to the highest standards of service. Your views are important to us, so if you feel that our service is below the standard you would expect from Hiscox, please contact us on the phone number shown in your policy schedule. Please note that some of the words we use in this insurance are shown in bold type. These words are defined in each section of the wording. Page / 1 Hiscox Insurance Payment schedule Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Thank you for continuing to pay for your policy by Direct Debit. Please check these details and let us know if anything is incorrect or if the schedule is not suitable. Your reference details Account holder name: Guy Spencer Frequency of collection: Annual Sort code: %BANK_SORT_CODE_1% Account number: %BANK_ACCOUNT_NUMBER_1% Your Direct Debit schedule We will take payments on the dates outlined below: Date Amount 29/02/20 £3,115.86 Where your chosen collection date falls ona non-working day then we will endeavour to collect the next working day. For your information, the collections will be made using the following reference number: Originator Identification Number: 293461 Reference Number: W3L/VW2U If you have any questions about your policy or payments, please call us on 0800 280 0351. We’re here between 8:30am - 5:30pm Monday to Friday or you can email us at service@hiscox.co.uk. Using your personal information Hiscox isa trading name ofa number of Hiscox companies. The specific company acting asa data controller of your personal information will be listed in the documentation we provide to you. If you are unsure you can also contact us at anytime by telephoning 01904 681198 or by emailing us at dataprotectionofficer@hiscox.com. We collect and process information about you in order to provide insurance policies and to process claims. Your information is also used for business purposes such as fraud prevention and detection and financial management. This may involve sharing your information with, and obtaining information about you from, our group companies and third parties such as brokers, loss adjusters, credit reference agencies, service providers, professional advisors, our regulators or fraud prevention agencies. We may record telephone calls to help us monitor and improve the service we provide. For further information on how your information is used and your rights in relation to your information please see our privacy policy at www.hiscox.co.uk/cookies-privacy. The Direct Debit Guarantee This Guarantee is offered by all banks and building societies that accept instructions to pay Direct Debits. If there are any changes to the amount, date or frequency of your Direct Debit Hiscox Underwriting Ltd will notify you ten working days in advance of your account being debited or as otherwise agreed. If you request Hiscox Underwriting Ltd to collect a payment, confirmation of the amount and date will be given to you at the time of the request. If an error is made in the payment of your Direct Debit by Hiscox Underwriting Ltd or your bank or building society you are entitled to a full and immediate refund of the amount paid from your bank or building society. – If you receive a refund you are not entitled to, you must pay it back when Hiscox Underwriting Ltd asks you to. You can cancel a Direct Debit at anytime by simply contacting your bank or building society. Written confirmation maybe required. Please also notify us. Page / 1 Hiscox Business Insurance Policy summary JAC-PSC-UK-DC556(5.4) 17431b 07/20 Your Hiscox Business Insurance policy summaries This document contains the summaries for any policy covers you have selected to protect your business. These summaries outline the key information about your policies so you can be confident that you have understood what you have bought and what you are covered for. However, you should carefully read your policy in full and ensure that you understand its terms and conditions in full. If you have any queries, you should contact Hiscox or your insurance advisor. Your side of the bargain Remember, your premium and insurance are based on the details you have provided to us. Please make sure this information accurately reflects your business and that you inform us immediately if anything needs to change. Please also tell us of any changes in circumstances that may affect the services provided by us or the cover provided by your policy. This is particularly important before taking out a policy, but it also applies throughout the life of the policy too. You need to consider: ■if you fail to fairly present the risk to us, including by failing to disclose any information material to the insurance, you could invalidate the policy, claims may not be paid or the amount we pay maybe reduced; ■you should read and check all insurance documents to ensure that you are aware of the cover, limits and other terms that apply; ■if you fail to let us know of any changes to your circumstances during the period of insurance or, if when telling us about such changes you fail to present the risk to us fairly, you could invalidate the policy, claims may not be paid or the amount we pay maybe reduced; ■please be aware of all terms and conditions of your policy because failure to comply with them could invalidate it or result in us not paying a claim or reducing the amount we pay; ■in the event ofa claim, you should take note of the required procedures, such as giving Hiscox prompt notice of the claims, as stated in the policy documentation. In particular, if you fail to notify us when you first become aware ofa shortcoming, fact, or problem, admit you are liable for what has happened or appoint solicitors or other legal representation without our prior written approval, claims or defence costs may not be paid or the amount we pay maybe reduced; ■as with any insurance, you have an obligation to take reasonable steps to mitigate any loss or liability; ■if you make a fraudulent claim or try to deceive us, we may terminate the policy. Policy length The period of insurance is shown on your policy schedule. Your policy schedule will also show if the policy is ona continuing cover basis. If itis ona continuing cover basis, we will renew your policy each year for another 12 months and continue to take payment (including any premium adjustment shown in your renewal invitation) using your existing arrangement, unless you tell us otherwise or if your risk changes. If your policy schedule does not show that the policy is ona continuing cover basis, cover will cease at the end of the period of insurance, unless you renew your policy with us. We will provide you witha statement of fact each year and provided that the information contained within the statement of fact is true, complete and accurate, you do not need to provide us with any further information. If any of the information in your statement of fact is not true, complete and accurate, you must let us know. If you do not let us know, it may affect the validity of the policy or our ability to pay a claim. Retroactive dates, geographical and jurisdiction limits Where any section of your policy schedule includes a retroactive date, we will not make any payment for any claim or loss under that section which arises from any activity performed or any act, incident or occurrence taking place, before the retroactive date. Where any section of your policy schedule shows the geographical limits which apply to that section of the policy, we will only pay for claims and losses under that section which arise from activities performed or acts, incidents or occurrences taking place within those geographical limits. Where any section provides cover in respect of your liability to third parties, we will only cover claims first made ina country within the applicable courts stated in that section of your policy schedule. Hiscox Business Insurance Policy summary JAC-PSC-UK-DC556(5.4) 17431b 07/20 Cancellation rights You can cancel this policy by giving us 30 days' notice. You will only be charged for the premiums due up to the date of cancellation. If we need to cancel the policy, we’ll give you 30 days’ notice in writing and refund any surplus premiums you might have paid. Please note – we may deduct an administration fee from any refunded payment.There is an exception to our 30-day notice period, which is triggered when we don’t receive your Direct Debit payments within the agreed 14-day period. At this point, we will contact you as soon as possible and stop the 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 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:W3L/VW2U Name of policy holder:Davies Inc Period of insurance: From 07 March, 2022 to 23 October, 2020 both days inclusive. This policy isa Continuing cover policy Insurer: Hiscox Insurance Company Limited Retroactive date: 29/03/2025 Level of cover:£1,000,000 Signed on behalf of Hiscox Underwriting Limited as agent for the insurers Jon Dye CEO, Hiscox UK Notes: (a) This insurance is subject to policy terms and conditions and any special terms notified to the InsuredPage / 1 Hiscox Business Insurance Policy Schedule 14502 10/18 This schedule tells you what is insured with us. It should be read carefully with your policy wording(s) and statement of fact detailed elsewhere in this document. Schedule effective date: 07 March, 2022 Insurance details Policy number: W3L/VW2U Period of insurance: From 07 March, 2022 to 23 October, 2020 both days inclusive. This policy isa Continuing cover policy. Insured: Davies Inc Address: Studio 2 Nathan green North Marilynberg FARNHAM S00 8YY Additional insureds: None Business: Management Consultants Premium details Charged premium – the total amount you’ll pay for this policy. Charged premium: £6,352.46 Insurance Premium Tax (IPT): £9,557.75 Total charged premium: £3,115.86 Annualised premium – the annual premium for this policy. This is given for comparison purposes. Please refer to the charged premium section for the amount you’ll pay for the policy. Annual premium: £6,352.46 Insurance Premium Tax (IPT): £9,557.75 Annual total: £3,115.86 Please note that there will be no refund or additional premium for any transaction which is less than £20 (excluding IPT). Hiscox Business Insurance Policy Schedule 14502 10/18 Summary Claims information If you need to make a claim: - For claims relating to your building or contents please contact our claims team on 0800 247 1902, 9.00am – 5:30pm Monday to Friday. If you wish to make a claim online, you can log most claims quickly and easily through our claims notification portal at https://claims.hiscox.co.uk/. Outside of normal business hours, if you require emergency assistance in relation to substantial damage to your property, you can speak to our 24-hour emergency assistance team using the telephone number above. Your policy schedule will state if property cover is included in your policy. Our out-of-hours emergency assistance team operate ona pay-and-claim basis and you will need to have credit card details available as appropriate. The team will then be able to direct you to essential tradesmen, emergency loss adjusters or disaster management companies in the event of substantial damage. - If there isa claim (or potential claim) against you bya third party, please email us at liability.claims@hiscox.com. If you need to speak to a member of the claims team urgently, please call our team on 0800 711 7156, 9.00am – 5:30pm Monday to Friday. If you wish to make a claim online, you can log most claims quickly and easily through our claims notification portal at https://claims.hiscox.co.uk/. You will need to provide your full name and contact details, the name of your business or organisation, your address and postcode, the policy reference and circumstances of the claim. The Important information and contact details section below contains additional information specific to the covers applicable to your policy. If you are unsure of who to contact please call our team on 0800 711 7156, 9.00am – 5:30pm Monday to Friday. They will ensure you get through to the correct claims team and let you know what actions you need to take. If anything happens that might be covered under the policy, you must comply with the obligations set out in General claims conditions, together with the obligations set out under Your obligations in the section or sections under which you are making the claim. Itis important that you read the policy for details of its terms in full. Your covers This isa summary of each section of your policy. See each section for cover details. Cover Insurance amount Excess Annual Premium (exc IPT) Professional indemnity £1,000,000 £1,000 £8,506.97 Legal protection £100,000 £0 £1,078.46 Crisis containment £25,000 - £8,872.43 The figures above are in summary only and are not in addition to the 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 March, 2022 Limit of indemnity £1,000,000 Limit applies to in the aggregate, including all costs Excess £1,000 Excess applies to each and every claim or loss, including all costs Geographical limits Worldwide Applicable courts Worldwide (excluding United States of America and Canada) Claims brought in USA or Canada Not covered Additional covers (in addition to overall limit of indemnity stated above) Cover Limit of indemnity Limit applies to Court attendance compensation - employees £250 per person, per day Court attendance compensation - directors and partners£500 per person, per day Court attendance compensation: in total £100,000 in the aggregate Special limits (included within not in addition to the overall limit of indemnity stated above) Cover Limit of indemnity Limit applies to Personal dataPage / 2 claims £250,000 in the aggregate, including all costs Business activities Business management consultant Retroactive date 29/03/2025 Insurer Hiscox Insurance Company LimitedPage / 1 Hiscox Insurance Summary of change Introduction This document has been created to help you understand the key changes to your Hiscox Insurance policy and how they may impact you. Your policy continues to offer professional, tailored insurance to protect you and give you peace of mind that if you need us, you will be supported by our award winning claims team. If you have a query not covered by this document, or if you have any questions or concerns about your policy you should contact us. Frequently asked questions What if my circumstances change during the period of insurance? If your circumstances change during the period of insurance, you only need to let us know if the change means that any of the information in the Statement of Fact is no longer true, complete and accurate. If there are no such changes, you do not need to let us know. If any of the information within the Statement of Fact becomes no longer complete, true or accurate at any point during the period of insurance you must tell us as it may affect the validity of the policy or our ability to pay a claim. Additionally, if your contact details change then you should let us know straightaway. Where doI find the limits that apply to my policy? You can find your maximum allowable limits for turnover and wage rollin your Statement of Fact. You must check this information and tell us or your broker if you expect to exceed the maximum amounts shown. Please note these values may have changed. If there are special limits or special excesses applying to particular covers or types of losses these will be shown in the policy schedule. Please check your policy schedule carefully as they may have changed. My new schedule shows a different premium to last year? What has changed? If an underwriter has reviewed your policy then they may have manually adjusted your premium, for example if you’ve had claims in the last 12 months. Where doI find out about any endorsements on my policy? You will be able to see if an endorsement has been applied or removed by reviewing your Policy Schedule. If you have any queries or concerns, please contact us or your broker if you have one. Hiscox Insurance Summary of change Professional indemnity for business management consultants Summary of change Changes to the cover The following table shows the differences between our new policy wordings (5570 WD- PROF-UK-MAN(7), 15579 WD-PROF-UK-MAN-AG(3)) and our previous wordings (5570 WD-PROF-UK-MAN(6), 15579 WD-PROF-UK-MAN-AG(2)). This isa summary of the changes only. You should refer to the schedule and policy wording for the full description of the cover in place. Area of cover Previous policy New policy Improvement in cover Claims against you Advertising claims. We will pay claims arising from your advertising or branding for defamation or infringement of copyright or moral rights. This does not include claims for passing off, unauthorised use of trademarks or false or misleading advertising. Previously cover was not restricted to defamation or the infringement of copyright or moral rights.Covered Amended Your own lossesChanges to ‘what is covered’ Losses from dishonesty. Your losses arising from the dishonesty of your employees, sub-contractors or outsourcers.Covered Not covered Area of cover Previous policy New policy Improvement in cover Cyber incident. We will not pay claims relating to an actual or possible cyber attack, hacker or social engineering communication. Previously we excluded any virus not specifically targeted at your system.Covered Not covered Computer or digital technology error. We will not pay claims arising from any negligent act, error or omission in the operation or maintenance of computer or digital technology such as development, installation, patching or upgrading.Covered Not coveredChanges to ‘what is not covered’ Infrastructure. We will not pay claims arising from the failure of the service provided by internet, telecommunications, utilities or other infrastructure providers.Covered Not covered Hiscox Insurance Summary of change Personal data. We will not pay claims relating to personal data. We will pay such claims where they arise from your performance ofa business activity and which is not otherwise excluded. Subject to the limit shown in the schedule.Covered Not covered Other important changes Control of defence. Under the previous wording we had a duty to defend you against any covered claim brought against you. We now have the right but not the obligation to take control of the conduct of the claim including the appointment of legal representation. Please refer to the policy wording for full details. SOC-PROF-UK-MAN(1) 21367 01/21	W3L/VW2U	(?<=Policy number - )[-\w_\/\.]+?(?= Company name)	07 March, 2022	(?<=anniversary of your policy is approaching on )[-\w_\/\. ,]+?(?= \.)	null	null	Business	(?<=time to renew your Hiscox )[-\w_\/\. ]+?(?= Insurance)	2024-02-05
hiscox-business-1	Hiscox Business Insurance - Policy number - 4ZCQ0W.56//OE/4G Company name: Thomas, Evans and Smith It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : 4ZCQ0W.56//OE/4G. Company name: Thomas, Evans and Smith. Your Hiscox Insurance premium. Last year’s annual premium: This year’s annual premium. £ 5,990.63. £ 5,990.63. The premium includes all applicable insurance premium tax (IPT). Dear Mrs Jean Rahman. Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 01 November, 2020 . Good news; if you want cover to continue with us and to make sure you stay protected by our award-winning cover, you do not need to do anything. We will update your policy onto our latest wording and continue to collect payment using the payment details we have for you. You must read the important information contained in this email and the attached documents. Your Hiscox Insurance Premium breakdown. The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). The amount shown as last year’s Annual premium will take into account any changes to the cover which may have been made during the last policy period. Cover. Last year’s annual premium (exc IPT). This year’s annual Premium (exc IPT). Professional indemnity. £8,672.48. £8,672.48. Legal protection. £5,497.71. £5,497.71. Crisis containment. £5,375.47. Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy . Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government 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, Evans 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 01 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 : 4ZCQ0W.56//OE/4G Company name: Thomas, Evans and Smith . It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : 4ZCQ0W.56//OE/4G Company name: Thomas, Evans and Smith . Your Hiscox Insurance premium Last year’s annual premium: This year’s annual premium The premium includes all applicable insurance premium tax (IPT). £ 5,990.63 £ 5,990.63 . Your Hiscox Insurance premium . Last year’s annual premium: This year’s annual premium £ 5,990.63 £ 5,990.63 . The premium includes all applicable insurance premium tax (IPT). Dear Mrs Jean Rahman . Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 01 November, 2020 . Good news; if you want cover to continue with us and to make sure you stay protected by our award-winning cover, you do not need to do anything. We will update your policy onto our latest wording and continue to collect payment using the payment details we have for you. You must read the important information contained in this email and the attached documents Your Hiscox Insurance Premium breakdown The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). The amount shown as last year’s Annual premium will take into account any changes to the cover which may have been made during the last policy period. Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) Professional indemnity £8,672.48 £8,672.48 Legal protection £5,497.71 £5,497.71 Crisis containment £5,375.47 Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government 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, Evans 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 01 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 01 November, 2020 . Good news; if you want cover to continue with us and to make sure you stay protected by our award-winning cover, you do not need to do anything. We will update your policy onto our latest wording and continue to collect payment using the payment details we have for you. You must read the important information contained in this email and the attached documents Your Hiscox Insurance Premium breakdown The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). The amount shown as last year’s Annual premium will take into account any changes to the cover which may have been made during the last policy period. Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) Professional indemnity £8,672.48 £8,672.48 Legal protection £5,497.71 £5,497.71 Crisis containment £5,375.47 Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government 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, Evans 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 01 November, 2020 . We’re here between 8:30am - 5:30pm Monday to Friday . Please note that we can only discuss policy changes with people named on the policy. Why renew with Hiscox - Reassuring: we offer a range of cover options that can be tailored to your needs - Flexible: we offer full flexibility to change your policy, with no administration fees - Award-winning cover : we’ve been named Best Small Business Insurer 7 years running by Start Your Business Magazine Please click this link for the Hiscox Referral Portal: https://refer.aklamio.com/hiscox/uk?source=postpurchase Thank you again for choosing Hiscox to insure your business. We hope you and your business have a very successful year. Kind regards Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Your Hiscox Insurance Premium breakdown The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). Cover Professional indemnity Legal protection Crisis containment . Last year’s annual premium (exc IPT) £8,672.48 £5,497.71 £5,375.47 . This year’s annual Premium (exc IPT) £8,672.48 £5,497.71 . Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) . Professional indemnity £8,672.48 £8,672.48 . Legal protection £5,497.71 £5,497.71 . Crisis containment £5,375.47 . Kind regards Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre . Kind regards . Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave . To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre . Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Page / 1 Hiscox Business Insurance Policy wording 17431a - DC565 WORDING 04/17Guide to sectionsIntroduction Policy wordings General terms and conditions Professional indemnity for business management consultants Legal protection Crisis containment Hiscox Business Insurance Policy wording 17431a - DC565 WORDING 04/17IntroductionThank you for choosing Hiscox to protect your business. We hope that the language and layout of this policy wording are clear because we want you to understand the insurance we provide as well as the responsibilities we have to each other. Please read this document, including the policy schedule, policy summary and statement of fact, and let us know as soon as possible if any of the details are shown incorrectly. We always try to deliver to the highest standards of service. Your views are important to us, so if you feel that our service is below the standard you would expect from Hiscox, please contact us on the phone number shown in your policy schedule. Please note that some of the words we use in this insurance are shown in bold type. These words are defined in each section of the wording. Page / 1 Hiscox Insurance Payment schedule Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Thank you for continuing to pay for your policy by Direct Debit. Please check these details and let us know if anything is incorrect or if the schedule is not suitable. Your reference details Account holder name: Jean Rahman Frequency of collection: Annual Sort code: %BANK_SORT_CODE_1% Account number: %BANK_ACCOUNT_NUMBER_1% Your Direct Debit schedule We will take payments on the dates outlined below: Date Amount 16/01/20 £5,990.63 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: 4ZCQ0W.56//OE/4G If you have any questions about your policy or payments, please call us on 0800 280 0351. We’re here between 8:30am - 5:30pm Monday to Friday or you can email us at service@hiscox.co.uk. Using your personal information Hiscox isa trading name ofa number of Hiscox companies. The specific company acting asa data controller of your personal information will be listed in the documentation we provide to you. If you are unsure you can also contact us at anytime by telephoning 01904 681198 or by emailing us at dataprotectionofficer@hiscox.com. We collect and process information about you in order to provide insurance policies and to process claims. Your information is also used for business purposes such as fraud prevention and detection and financial management. This may involve sharing your information with, and obtaining information about you from, our group companies and third parties such as brokers, loss adjusters, credit reference agencies, service providers, professional advisors, our regulators or fraud prevention agencies. We may record telephone calls to help us monitor and improve the service we provide. For further information on how your information is used and your rights in relation to your information please see our privacy policy at www.hiscox.co.uk/cookies-privacy. The Direct Debit Guarantee This Guarantee is offered by all banks and building societies that accept instructions to pay Direct Debits. If there are any changes to the amount, date or frequency of your Direct Debit Hiscox Underwriting Ltd will notify you ten working days in advance of your account being debited or as otherwise agreed. If you request Hiscox Underwriting Ltd to collect a payment, confirmation of the amount and date will be given to you at the time of the request. If an error is made in the payment of your Direct Debit by Hiscox Underwriting Ltd or your bank or building society you are entitled to a full and immediate refund of the amount paid from your bank or building society. – If you receive a refund you are not entitled to, you must pay it back when Hiscox Underwriting Ltd asks you to. You can cancel a Direct Debit at anytime by simply contacting your bank or building society. Written confirmation maybe required. Please also notify us. Page / 1 Hiscox Business Insurance Policy summary JAC-PSC-UK-DC556(5.4) 17431b 07/20 Your Hiscox Business Insurance policy summaries This document contains the summaries for any policy covers you have selected to protect your business. These summaries outline the key information about your policies so you can be confident that you have understood what you have bought and what you are covered for. However, you should carefully read your policy in full and ensure that you understand its terms and conditions in full. If you have any queries, you should contact Hiscox or your insurance advisor. Your side of the bargain Remember, your premium and insurance are based on the details you have provided to us. Please make sure this information accurately reflects your business and that you inform us immediately if anything needs to change. Please also tell us of any changes in circumstances that may affect the services provided by us or the cover provided by your policy. This is particularly important before taking out a policy, but it also applies throughout the life of the policy too. You need to consider: ■if you fail to fairly present the risk to us, including by failing to disclose any information material to the insurance, you could invalidate the policy, claims may not be paid or the amount we pay maybe reduced; ■you should read and check all insurance documents to ensure that you are aware of the cover, limits and other terms that apply; ■if you fail to let us know of any changes to your circumstances during the period of insurance or, if when telling us about such changes you fail to present the risk to us fairly, you could invalidate the policy, claims may not be paid or the amount we pay maybe reduced; ■please be aware of all terms and conditions of your policy because failure to comply with them could invalidate it or result in us not paying a claim or reducing the amount we pay; ■in the event ofa claim, you should take note of the required procedures, such as giving Hiscox prompt notice of the claims, as stated in the policy documentation. In particular, if you fail to notify us when you first become aware ofa shortcoming, fact, or problem, admit you are liable for what has happened or appoint solicitors or other legal representation without our prior written approval, claims or defence costs may not be paid or the amount we pay maybe reduced; ■as with any insurance, you have an obligation to take reasonable steps to mitigate any loss or liability; ■if you make a fraudulent claim or try to deceive us, we may terminate the policy. Policy length The period of insurance is shown on your policy schedule. Your policy schedule will also show if the policy is ona continuing cover basis. If itis ona continuing cover basis, we will renew your policy each year for another 12 months and continue to take payment (including any premium adjustment shown in your renewal invitation) using your existing arrangement, unless you tell us otherwise or if your risk changes. If your policy schedule does not show that the policy is ona continuing cover basis, cover will cease at the end of the period of insurance, unless you renew your policy with us. We will provide you witha statement of fact each year and provided that the information contained within the statement of fact is true, complete and accurate, you do not need to provide us with any further information. If any of the information in your statement of fact is not true, complete and accurate, you must let us know. If you do not let us know, it may affect the validity of the policy or our ability to pay a claim. Retroactive dates, geographical and jurisdiction limits Where any section of your policy schedule includes a retroactive date, we will not make any payment for any claim or loss under that section which arises from any activity performed or any act, incident or occurrence taking place, before the retroactive date. Where any section of your policy schedule shows the geographical limits which apply to that section of the policy, we will only pay for claims and losses under that section which arise from activities performed or acts, incidents or occurrences taking place within those geographical limits. Where any section provides cover in respect of your liability to third parties, we will only cover claims first made ina country within the applicable courts stated in that section of your policy schedule. Hiscox Business Insurance Policy summary JAC-PSC-UK-DC556(5.4) 17431b 07/20 Cancellation rights You can cancel this policy by giving us 30 days' notice. You will only be charged for the premiums due up to the date of cancellation. If we need to cancel the policy, we’ll give you 30 days’ notice in writing and refund any surplus premiums you might have paid. Please note – we may deduct an administration fee from any refunded payment.There is an exception to our 30-day notice period, which is triggered when we don’t receive your Direct Debit payments within the agreed 14-day period. At this point, we will contact you as soon as possible and stop the 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, Evans 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:4ZCQ0W.56//OE/4G Name of policy holder:Thomas, Evans and Smith Period of insurance: From 01 November, 2020 to 08/08/19 both days inclusive. This policy isa Continuing cover policy Insurer: Hiscox Insurance Company Limited Retroactive date: Monday 11 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: 01 November, 2020 Insurance details Policy number: 4ZCQ0W.56//OE/4G Period of insurance: From 01 November, 2020 to 08/08/19 both days inclusive. This policy isa Continuing cover policy. Insured: Thomas, Evans and Smith Address: 80 Aimee inlet Sianmouth FARNHAM HX8 5TD Additional insureds: None Business: Management Consultants Premium details Charged premium – the total amount you’ll pay for this policy. Charged premium: £4,563.48 Insurance Premium Tax (IPT): £2,656.49 Total charged premium: £5,990.63 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: £4,563.48 Insurance Premium Tax (IPT): £2,656.49 Annual total: £5,990.63 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 £8,672.48 Legal protection £100,000 £0 £5,497.71 Crisis containment £25,000 - £5,375.47 The figures above are in summary only and are not in addition to the 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 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 dataPage / 2 claims £250,000 in the aggregate, including all costs Business activities Business management consultant Retroactive date Monday 11 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	4ZCQ0W.56//OE/4G	(?<=Policy number - )[-\w_\/\.]+?(?= Company name)	01 November, 2020	(?<=anniversary of your policy is approaching on )[-\w_\/\. ,]+?(?= \.)	null	null	Business	(?<=time to renew your Hiscox )[-\w_\/\. ]+?(?= Insurance)	2024-02-05
hiscox-business-1	Hiscox Business Insurance - Policy number - yfxcd./uaqcselqrxit- Company name: Jones-Bowen It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : yfxcd./uaqcselqrxit-. Company name: Jones-Bowen. Your Hiscox Insurance premium. Last year’s annual premium: This year’s annual premium. £ 2,377.34. £ 2,377.34. The premium includes all applicable insurance premium tax (IPT). Dear Miss Julian Cox. Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on Sat 17 February, 2024 . Good news; if you want cover to continue with us and to make sure you stay protected by our award-winning cover, you do not need to do anything. We will update your policy onto our latest wording and continue to collect payment using the payment details we have for you. You must read the important information contained in this email and the attached documents. Your Hiscox Insurance Premium breakdown. The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). The amount shown as last year’s Annual premium will take into account any changes to the cover which may have been made during the last policy period. Cover. Last year’s annual premium (exc IPT). This year’s annual Premium (exc IPT). Professional indemnity. £8,540.79. £8,540.79. Legal protection. £8,460.13. £8,460.13. Crisis containment. £6,668.78. Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy . Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government 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-Bowen , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay. . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover. Policy summary for each cover. ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover . As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, 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 17 February, 2024 . We’re here between 8:30am - 5:30pm Monday to Friday . Please note that we can only discuss policy changes with people named on the policy. Why renew with Hiscox. - Reassuring: we offer a range of cover options that can be tailored to your needs. - Flexible: we offer full flexibility to change your policy, with no administration fees . - Award-winning cover : we’ve been named Best Small Business Insurer 7 years running by Start Your Business Magazine . Please click this link for the Hiscox Referral Portal: https://refer.aklamio.com/hiscox/uk?source=postpurchase. Thank you again for choosing Hiscox to insure your business. We hope you and your business have a very successful year. Kind regards. Jon Dye. CEO, Hiscox UK. Business Insurance for the small and the brave. To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre. Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. This email and any files transmitted with it are confidential and intended solely for the use of the individual or entity to whom they are addressed. No one else is authorised to distribute, forward, print, copy or act upon any information contained in this email. If you have received this email in error, please notify the sender. Hiscox Syndicates Limited and Hiscox Insurance Company Limited are authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Hiscox Underwriting Limited, Hiscox Underwriting Services Ltd, Hiscox MGA Ltd and Hiscox ASM Ltd are authorised and regulated by the Financial Conduct Authority. Hiscox Assure SAS is duly registered as an insurance broker with the ORIAS, which is the French Official Registry of Insurance Intermediaries. Hiscox plc is a company registered in England and Wales under company registration number 2837811 and registered office at 1 Great St Helen's, London EC3A 6HX. Hiscox SA is a company registered in Luxembourg at 35 Avenue John F. Kennedy 35F, Luxembourg L-1855, and is authorised by the Commissariat aux Assurances de Luxembourg. It’s time to renew your Hiscox Business Insurance Hiscox Insurance policy number : yfxcd./uaqcselqrxit- Company name: Jones-Bowen . It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : yfxcd./uaqcselqrxit- Company name: Jones-Bowen . Your Hiscox Insurance premium Last year’s annual premium: This year’s annual premium The premium includes all applicable insurance premium tax (IPT). £ 2,377.34 £ 2,377.34 . Your Hiscox Insurance premium . Last year’s annual premium: This year’s annual premium £ 2,377.34 £ 2,377.34 . The premium includes all applicable insurance premium tax (IPT). Dear Miss Julian Cox . Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on Sat 17 February, 2024 . Good news; if you want cover to continue with us and to make sure you stay protected by our award-winning cover, you do not need to do anything. We will update your policy onto our latest wording and continue to collect payment using the payment details we have for you. You must read the important information contained in this email and the attached documents Your Hiscox Insurance Premium breakdown The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). The amount shown as last year’s Annual premium will take into account any changes to the cover which may have been made during the last policy period. Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) Professional indemnity £8,540.79 £8,540.79 Legal protection £8,460.13 £8,460.13 Crisis containment £6,668.78 Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government 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-Bowen , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover Policy summary for each cover ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, 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 17 February, 2024 . We’re here between 8:30am - 5:30pm Monday to Friday . Please note that we can only discuss policy changes with people named on the policy. Why renew with Hiscox - Reassuring: we offer a range of cover options that can be tailored to your needs - Flexible: we offer full flexibility to change your policy, with no administration fees - Award-winning cover : we’ve been named Best Small Business Insurer 7 years running by Start Your Business Magazine Please click this link for the Hiscox Referral Portal: https://refer.aklamio.com/hiscox/uk?source=postpurchase Thank you again for choosing Hiscox to insure your business. We hope you and your business have a very successful year. Kind regards Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on Sat 17 February, 2024 . Good news; if you want cover to continue with us and to make sure you stay protected by our award-winning cover, you do not need to do anything. We will update your policy onto our latest wording and continue to collect payment using the payment details we have for you. You must read the important information contained in this email and the attached documents Your Hiscox Insurance Premium breakdown The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). The amount shown as last year’s Annual premium will take into account any changes to the cover which may have been made during the last policy period. Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) Professional indemnity £8,540.79 £8,540.79 Legal protection £8,460.13 £8,460.13 Crisis containment £6,668.78 Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government 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-Bowen , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover Policy summary for each cover ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, 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 17 February, 2024 . We’re here between 8:30am - 5:30pm Monday to Friday . Please note that we can only discuss policy changes with people named on the policy. Why renew with Hiscox - Reassuring: we offer a range of cover options that can be tailored to your needs - Flexible: we offer full flexibility to change your policy, with no administration fees - Award-winning cover : we’ve been named Best Small Business Insurer 7 years running by Start Your Business Magazine Please click this link for the Hiscox Referral Portal: https://refer.aklamio.com/hiscox/uk?source=postpurchase Thank you again for choosing Hiscox to insure your business. We hope you and your business have a very successful year. Kind regards Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Your Hiscox Insurance Premium breakdown The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). Cover Professional indemnity Legal protection Crisis containment . Last year’s annual premium (exc IPT) £8,540.79 £8,460.13 £6,668.78 . This year’s annual Premium (exc IPT) £8,540.79 £8,460.13 . Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) . Professional indemnity £8,540.79 £8,540.79 . Legal protection £8,460.13 £8,460.13 . Crisis containment £6,668.78 . Kind regards Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre . Kind regards . Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave . To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre . Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Page / 1 Hiscox Business Insurance Policy wording 17431a - DC565 WORDING 04/17Guide to sectionsIntroduction Policy wordings General terms and conditions Professional indemnity for business management consultants Legal protection Crisis containment Hiscox Business Insurance Policy wording 17431a - DC565 WORDING 04/17IntroductionThank you for choosing Hiscox to protect your business. We hope that the language and layout of this policy wording are clear because we want you to understand the insurance we provide as well as the responsibilities we have to each other. Please read this document, including the policy schedule, policy summary and statement of fact, and let us know as soon as possible if any of the details are shown incorrectly. We always try to deliver to the highest standards of service. Your views are important to us, so if you feel that our service is below the standard you would expect from Hiscox, please contact us on the phone number shown in your policy schedule. Please note that some of the words we use in this insurance are shown in bold type. These words are defined in each section of the wording. Page / 1 Hiscox Insurance Payment schedule Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Thank you for continuing to pay for your policy by Direct Debit. Please 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 Cox Frequency of collection: Annual Sort code: %BANK_SORT_CODE_1% Account number: %BANK_ACCOUNT_NUMBER_1% Your Direct Debit schedule We will take payments on the dates outlined below: Date Amount 2022-09-20 £2,377.34 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: yfxcd./uaqcselqrxit- If you have any questions about your policy or payments, please call us on 0800 280 0351. We’re here between 8:30am - 5:30pm Monday to Friday or you can email us at service@hiscox.co.uk. Using your personal information Hiscox isa trading name ofa number of Hiscox companies. The specific company acting asa data controller of your personal information will be listed in the documentation we provide to you. If you are unsure you can also contact us at anytime by telephoning 01904 681198 or by emailing us at dataprotectionofficer@hiscox.com. We collect and process information about you in order to provide insurance policies and to process claims. Your information is also used for business purposes such as fraud prevention and detection and financial management. This may involve sharing your information with, and obtaining information about you from, our group companies and third parties such as brokers, loss adjusters, credit reference agencies, service providers, professional advisors, our regulators or fraud prevention agencies. We may record telephone calls to help us monitor and improve the service we provide. For further information on how your information is used and your rights in relation to your information please see our privacy policy at www.hiscox.co.uk/cookies-privacy. The Direct Debit Guarantee This Guarantee is offered by all banks and building societies that accept instructions to pay Direct Debits. If there are any changes to the amount, date or frequency of your Direct Debit Hiscox Underwriting Ltd will notify you ten working days in advance of your account being debited or as otherwise agreed. If you request Hiscox Underwriting Ltd to collect a payment, confirmation of the amount and date will be given to you at the time of the request. If an error is made in the payment of your Direct Debit by Hiscox Underwriting Ltd or your bank or building society you are entitled to a full and immediate refund of the amount paid from your bank or building society. – If you receive a refund you are not entitled to, you must pay it back when Hiscox Underwriting Ltd asks you to. You can cancel a Direct Debit at anytime by simply contacting your bank or building society. Written confirmation maybe required. Please also notify us. Page / 1 Hiscox Business Insurance Policy summary JAC-PSC-UK-DC556(5.4) 17431b 07/20 Your Hiscox Business Insurance policy summaries This document contains the summaries for any policy covers you have selected to protect your business. These summaries outline the key information about your policies so you can be confident that you have understood what you have bought and what you are covered for. However, you should carefully read your policy in full and ensure that you understand its terms and conditions in full. If you have any queries, you should contact Hiscox or your insurance advisor. Your side of the bargain Remember, your premium and insurance are based on the details you have provided to us. Please make sure this information accurately reflects your business and that you inform us immediately if anything needs to change. Please also tell us of any changes in circumstances that may affect the services provided by us or the cover provided by your policy. This is particularly important before taking out a policy, but it also applies throughout the life of the policy too. You need to consider: ■if you fail to fairly present the risk to us, including by failing to disclose any information material to the insurance, you could invalidate the policy, claims may not be paid or the amount we pay maybe reduced; ■you should read and check all insurance documents to ensure that you are aware of the cover, limits and other terms that apply; ■if you fail to let us know of any changes to your circumstances during the period of insurance or, if when telling us about such changes you fail to present the risk to us fairly, you could invalidate the policy, claims may not be paid or the amount we pay maybe reduced; ■please be aware of all terms and conditions of your policy because failure to comply with them could invalidate it or result in us not paying a claim or reducing the amount we pay; ■in the event ofa claim, you should take note of the required procedures, such as giving Hiscox prompt notice of the claims, as stated in the policy documentation. In particular, if you fail to notify us when you first become aware ofa shortcoming, fact, or problem, admit you are liable for what has happened or appoint solicitors or other legal representation without our prior written approval, claims or defence costs may not be paid or the amount we pay maybe reduced; ■as with any insurance, you have an obligation to take reasonable steps to mitigate any loss or liability; ■if you make a fraudulent claim or try to deceive us, we may terminate the policy. Policy length The period of insurance is shown on your policy schedule. Your policy schedule will also show if the policy is ona continuing cover basis. If itis ona continuing cover basis, we will renew your policy each year for another 12 months and continue to take payment (including any premium adjustment shown in your renewal invitation) using your existing arrangement, unless you tell us otherwise or if your risk changes. If your policy schedule does not show that the policy is ona continuing cover basis, cover will cease at the end of the period of insurance, unless you renew your policy with us. We will provide you witha statement of fact each year and provided that the information contained within the statement of fact is true, complete and accurate, you do not need to provide us with any further information. If any of the information in your statement of fact is not true, complete and accurate, you must let us know. If you do not let us know, it may affect the validity of the policy or our ability to pay a claim. Retroactive dates, geographical and jurisdiction limits Where any section of your policy schedule includes a retroactive date, we will not make any payment for any claim or loss under that section which arises from any activity performed or any act, incident or occurrence taking place, before the retroactive date. Where any section of your policy schedule shows the geographical limits which apply to that section of the policy, we will only pay for claims and losses under that section which arise from activities performed or acts, incidents or occurrences taking place within those geographical limits. Where any section provides cover in respect of your liability to third parties, we will only cover claims first made ina country within the applicable courts stated in that section of your policy schedule. Hiscox Business Insurance Policy summary JAC-PSC-UK-DC556(5.4) 17431b 07/20 Cancellation rights You can cancel this policy by giving us 30 days' notice. You will only be charged for the premiums due up to the date of cancellation. If we need to cancel the policy, we’ll give you 30 days’ notice in writing and refund any surplus premiums you might have paid. Please note – we may deduct an administration fee from any refunded payment.There is an exception to our 30-day notice period, which is triggered when we don’t receive your Direct Debit payments within the agreed 14-day period. At this point, we will contact you as soon as possible and stop the 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-Bowen Hiscox Underwriting Ltd of 1 Great St. Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Certificate of professional indemnity Insurance Policy number:yfxcd./uaqcselqrxit- Name of policy holder:Jones-Bowen Period of insurance: From Sat 17 February, 2024 to 03/08/22 both days inclusive. This policy isa Continuing cover policy Insurer: Hiscox Insurance Company Limited Retroactive date: Thursday 27 June, 2019 Level of cover:£1,000,000 Signed on behalf of Hiscox Underwriting Limited as agent for the insurers Jon Dye CEO, Hiscox UK Notes: (a) This insurance is subject to policy terms and conditions and any special terms notified to the InsuredPage / 1 Hiscox Business Insurance Policy Schedule 14502 10/18 This schedule tells you what is insured with us. It should be read carefully with your policy wording(s) and statement of fact detailed elsewhere in this document. Schedule effective date: Sat 17 February, 2024 Insurance details Policy number: yfxcd./uaqcselqrxit- Period of insurance: From Sat 17 February, 2024 to 03/08/22 both days inclusive. This policy isa Continuing cover policy. Insured: Jones-Bowen Address: 9 Stuart lodge Martinview FARNHAM G3 2SW Additional insureds: None Business: Management Consultants Premium details Charged premium – the total amount you’ll pay for this policy. Charged premium: £8,750.19 Insurance Premium Tax (IPT): £7,312.68 Total charged premium: £2,377.34 Annualised premium – the annual premium for this policy. This is given for comparison purposes. Please refer to the charged premium section for the amount you’ll pay for the policy. Annual premium: £8,750.19 Insurance Premium Tax (IPT): £7,312.68 Annual total: £2,377.34 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 £8,540.79 Legal protection £100,000 £0 £8,460.13 Crisis containment £25,000 - £6,668.78 The figures above are in summary only and are not in addition to the 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 17 February, 2024 Limit of indemnity £1,000,000 Limit applies to in the aggregate, including all costs Excess £1,000 Excess applies to each and every claim or loss, including all costs Geographical limits Worldwide Applicable courts Worldwide (excluding United States of America and Canada) Claims brought in USA or Canada Not covered Additional covers (in addition to overall limit of indemnity stated above) Cover Limit of indemnity Limit applies to Court attendance compensation - employees £250 per person, per day Court attendance compensation - directors and partners£500 per person, per day Court attendance compensation: in total £100,000 in the aggregate Special limits (included within not in addition to the overall limit of indemnity stated above) Cover Limit of indemnity Limit applies to Personal dataPage / 2 claims £250,000 in the aggregate, including all costs Business activities Business management consultant Retroactive date Thursday 27 June, 2019 Insurer Hiscox Insurance Company LimitedPage / 1 Hiscox Insurance Summary of change Introduction This document has been created to help you understand the key changes to your Hiscox Insurance policy and how they may impact you. Your policy continues to offer professional, tailored insurance to protect you and give you peace of mind that if you need us, you will be supported by our award winning claims team. If you have a query not covered by this document, or if you have any questions or concerns about your policy you should contact us. Frequently asked questions What if my circumstances change during the period of insurance? If your circumstances change during the period of insurance, you only need to let us know if the change means that any of the information in the Statement of Fact is no longer true, complete and accurate. If there are no such changes, you do not need to let us know. If any of the information within the Statement of Fact becomes no longer complete, true or accurate at any point during the period of insurance you must tell us as it may affect the validity of the policy or our ability to pay a claim. Additionally, if your contact details change then you should let us know straightaway. Where doI find the limits that apply to my policy? You can find your maximum allowable limits for turnover and wage rollin your Statement of Fact. You must check this information and tell us or your broker if you expect to exceed the maximum amounts shown. Please note these values may have changed. If there are special limits or special excesses applying to particular covers or types of losses these will be shown in the policy schedule. Please check your policy schedule carefully as they may have changed. My new schedule shows a different premium to last year? What has changed? If an underwriter has reviewed your policy then they may have manually adjusted your premium, for example if you’ve had claims in the last 12 months. Where doI find out about any endorsements on my policy? You will be able to see if an endorsement has been applied or removed by reviewing your Policy Schedule. If you have any queries or concerns, please contact us or your broker if you have one. Hiscox Insurance Summary of change Professional indemnity for business management consultants Summary of change Changes to the cover The following table shows the differences between our new policy wordings (5570 WD- PROF-UK-MAN(7), 15579 WD-PROF-UK-MAN-AG(3)) and our previous wordings (5570 WD-PROF-UK-MAN(6), 15579 WD-PROF-UK-MAN-AG(2)). This isa summary of the changes only. You should refer to the schedule and policy wording for the full description of the cover in place. Area of cover Previous policy New policy Improvement in cover Claims against you Advertising claims. We will pay claims arising from your advertising or branding for defamation or infringement of copyright or moral rights. This does not include claims for passing off, unauthorised use of trademarks or false or misleading advertising. Previously cover was not restricted to defamation or the infringement of copyright or moral rights.Covered Amended Your own lossesChanges to ‘what is covered’ Losses from dishonesty. Your losses arising from the dishonesty of your employees, sub-contractors or outsourcers.Covered Not covered Area of cover Previous policy New policy Improvement in cover Cyber incident. We will not pay claims relating to an actual or possible cyber attack, hacker or social engineering communication. Previously we excluded any virus not specifically targeted at your system.Covered Not covered Computer or digital technology error. We will not pay claims arising from any negligent act, error or omission in the operation or maintenance of computer or digital technology such as development, installation, patching or upgrading.Covered Not coveredChanges to ‘what is not covered’ Infrastructure. We will not pay claims arising from the failure of the service provided by internet, telecommunications, utilities or other infrastructure providers.Covered Not covered Hiscox Insurance Summary of change Personal data. We will not pay claims relating to personal data. We will pay such claims where they arise from your performance ofa business activity and which is not otherwise excluded. Subject to the limit shown in the schedule.Covered Not covered Other important changes Control of defence. Under the previous wording we had a duty to defend you against any covered claim brought against you. We now have the right but not the obligation to take control of the conduct of the claim including the appointment of legal representation. Please refer to the policy wording for full details. SOC-PROF-UK-MAN(1) 21367 01/21	yfxcd./uaqcselqrxit-	(?<=Policy number - )[-\w_\/\.]+?(?= Company name)	Sat 17 February, 2024	(?<=anniversary of your policy is approaching on )[-\w_\/\. ,]+?(?= \.)	null	null	Business	(?<=time to renew your Hiscox )[-\w_\/\. ]+?(?= Insurance)	2024-02-05
hiscox-business-1	Hiscox Business Insurance - Policy number - kmrrqwkcmjij_jt_wn_e Company name: Sykes, Barber and Pickering It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : kmrrqwkcmjij_jt_wn_e. Company name: Sykes, Barber and Pickering. Your Hiscox Insurance premium. Last year’s annual premium: This year’s annual premium. £ 646.82. £ 646.82. The premium includes all applicable insurance premium tax (IPT). Dear Mr Louise Graham-Hutchinson. Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 2024-10-27 . 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. £3,927.00. £3,927.00. Legal protection. £3,191.17. £3,191.17. Crisis containment. £3,372.93. Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy . Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government increase in Insurance Premium Tax as shown. Is our information correct? Your premium and cover are based on what you’ve told us about Sykes, Barber and Pickering , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay. . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover. Policy summary for each cover. ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover . As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before 2024-10-27 . 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 : kmrrqwkcmjij_jt_wn_e Company name: Sykes, Barber and Pickering . It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : kmrrqwkcmjij_jt_wn_e Company name: Sykes, Barber and Pickering . Your Hiscox Insurance premium Last year’s annual premium: This year’s annual premium The premium includes all applicable insurance premium tax (IPT). £ 646.82 £ 646.82 . Your Hiscox Insurance premium . Last year’s annual premium: This year’s annual premium £ 646.82 £ 646.82 . The premium includes all applicable insurance premium tax (IPT). Dear Mr Louise Graham-Hutchinson . Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 2024-10-27 . 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 £3,927.00 £3,927.00 Legal protection £3,191.17 £3,191.17 Crisis containment £3,372.93 Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government increase in Insurance Premium Tax as shown. Is our information correct? Your premium and cover are based on what you’ve told us about Sykes, Barber and Pickering , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover Policy summary for each cover ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before 2024-10-27 . 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 2024-10-27 . 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 £3,927.00 £3,927.00 Legal protection £3,191.17 £3,191.17 Crisis containment £3,372.93 Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government increase in Insurance Premium Tax as shown. Is our information correct? Your premium and cover are based on what you’ve told us about Sykes, Barber and Pickering , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover Policy summary for each cover ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before 2024-10-27 . 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) £3,927.00 £3,191.17 £3,372.93 . This year’s annual Premium (exc IPT) £3,927.00 £3,191.17 . Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) . Professional indemnity £3,927.00 £3,927.00 . Legal protection £3,191.17 £3,191.17 . Crisis containment £3,372.93 . Kind regards Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre . Kind regards . Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave . To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre . Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Page / 1 Hiscox Business Insurance Policy wording 17431a - DC565 WORDING 04/17Guide to sectionsIntroduction Policy wordings General terms and conditions Professional indemnity for business management consultants Legal protection Crisis containment Hiscox Business Insurance Policy wording 17431a - DC565 WORDING 04/17IntroductionThank you for choosing Hiscox to protect your business. We hope that the language and layout of this policy wording are clear because we want you to understand the insurance we provide as well as the responsibilities we have to each other. Please read this document, including the policy schedule, policy summary and statement of fact, and let us know as soon as possible if any of the details are shown incorrectly. We always try to deliver to the highest standards of service. Your views are important to us, so if you feel that our service is below the standard you would expect from Hiscox, please contact us on the phone number shown in your policy schedule. Please note that some of the words we use in this insurance are shown in bold type. These words are defined in each section of the wording. Page / 1 Hiscox Insurance Payment schedule Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Thank you for continuing to pay for your policy by Direct Debit. Please check these details and let us know if anything is incorrect or if the schedule is not suitable. Your reference details Account holder name: Louise Graham-Hutchinson Frequency of collection: Annual Sort code: %BANK_SORT_CODE_1% Account number: %BANK_ACCOUNT_NUMBER_1% Your Direct Debit schedule We will take payments on the dates outlined below: Date Amount 2025-02-15 £646.82 Where your chosen collection date falls ona non-working day then we will endeavour to collect the next working day. For your information, the collections will be made using the following reference number: Originator Identification Number: 293461 Reference Number: kmrrqwkcmjij_jt_wn_e If you have any questions about your policy or payments, please call us on 0800 280 0351. We’re here between 8:30am - 5:30pm Monday to Friday or you can email us at service@hiscox.co.uk. Using your personal information Hiscox isa trading name ofa number of Hiscox companies. The specific company acting asa data controller of your personal information will be listed in the documentation we provide to you. If you are unsure you can also contact us at anytime by telephoning 01904 681198 or by emailing us at dataprotectionofficer@hiscox.com. We collect and process information about you in order to provide insurance policies and to process claims. Your information is also used for business purposes such as fraud prevention and detection and financial management. This may involve sharing your information with, and obtaining information about you from, our group companies and third parties such as brokers, loss adjusters, credit reference agencies, service providers, professional advisors, our regulators or fraud prevention agencies. We may record telephone calls to help us monitor and improve the service we provide. For further information on how your information is used and your rights in relation to your information please see our privacy policy at www.hiscox.co.uk/cookies-privacy. The Direct Debit Guarantee This Guarantee is offered by all banks and building societies that accept instructions to pay Direct Debits. If there are any changes to the amount, date or frequency of your Direct Debit Hiscox Underwriting Ltd will notify you ten working days in advance of your account being debited or as otherwise agreed. If you request Hiscox Underwriting Ltd to collect a payment, confirmation of the amount and date will be given to you at the time of the request. If an error is made in the payment of your Direct Debit by Hiscox Underwriting Ltd or your bank or building society you are entitled to a full and immediate refund of the amount paid from your bank or building society. – If you receive a refund you are not entitled to, you must pay it back when Hiscox Underwriting Ltd asks you to. You can cancel a Direct Debit at anytime by simply contacting your bank or building society. Written confirmation maybe required. Please also notify us. Page / 1 Hiscox Business Insurance Policy summary JAC-PSC-UK-DC556(5.4) 17431b 07/20 Your Hiscox Business Insurance policy summaries This document contains the summaries for any policy covers you have selected to protect your business. These summaries outline the key information about your policies so you can be confident that you have understood what you have bought and what you are covered for. However, you should carefully read your policy in full and ensure that you understand its terms and conditions in full. If you have any queries, you should contact Hiscox or your insurance advisor. Your side of the bargain Remember, your premium and insurance are based on the details you have provided to us. Please make sure this information accurately reflects your business and that you inform us immediately if anything needs to change. Please also tell us of any changes in circumstances that may affect the services provided by us or the cover provided by your policy. This is particularly important before taking out a policy, but it also applies throughout the life of the policy too. You need to consider: ■if you fail to fairly present the risk to us, including by failing to disclose any information material to the insurance, you could invalidate the policy, claims may not be paid or the amount we pay maybe reduced; ■you should read and check all insurance documents to ensure that you are aware of the cover, limits and other terms that apply; ■if you fail to let us know of any changes to your circumstances during the period of insurance or, if when telling us about such changes you fail to present the risk to us fairly, you could invalidate the policy, claims may not be paid or the amount we pay maybe reduced; ■please be aware of all terms and conditions of your policy because failure to comply with them could invalidate it or result in us not paying a claim or reducing the amount we pay; ■in the event ofa claim, you should take note of the required procedures, such as giving Hiscox prompt notice of the claims, as stated in the policy documentation. In particular, if you fail to notify us when you first become aware ofa shortcoming, fact, or problem, admit you are liable for what has happened or appoint solicitors or other legal representation without our prior written approval, claims or defence costs may not be paid or the amount we pay maybe reduced; ■as with any insurance, you have an obligation to take reasonable steps to mitigate any loss or liability; ■if you make a fraudulent claim or try to deceive us, we may terminate the policy. Policy length The period of insurance is shown on your policy schedule. Your policy schedule will also show if the policy is ona continuing cover basis. If itis ona continuing cover basis, we will renew your policy each year for another 12 months and continue to take payment (including any premium adjustment shown in your renewal invitation) using your existing arrangement, unless you tell us otherwise or if your risk changes. If your policy schedule does not show that the policy is ona continuing cover basis, cover will cease at the end of the period of insurance, unless you renew your policy with us. We will provide you witha statement of fact each year and provided that the information contained within the statement of fact is true, complete and accurate, you do not need to provide us with any further information. If any of the information in your statement of fact is not true, complete and accurate, you must let us know. If you do not let us know, it may affect the validity of the policy or our ability to pay a claim. Retroactive dates, geographical and jurisdiction limits Where any section of your policy schedule includes a retroactive date, we will not make any payment for any claim or loss under that section which arises from any activity performed or any act, incident or occurrence taking place, before the retroactive date. Where any section of your policy schedule shows the geographical limits which apply to that section of the policy, we will only pay for claims and losses under that section which arise from activities performed or acts, incidents or occurrences taking place within those geographical limits. Where any section provides cover in respect of your liability to third parties, we will only cover claims first made ina country within the applicable courts stated in that section of your policy schedule. Hiscox Business Insurance Policy summary JAC-PSC-UK-DC556(5.4) 17431b 07/20 Cancellation rights You can cancel this policy by giving us 30 days' notice. You will only be charged for the premiums due up to the date of cancellation. If we need to cancel the policy, we’ll give you 30 days’ notice in writing and refund any surplus premiums you might have paid. Please note – we may deduct an administration fee from any refunded payment.There is an exception to our 30-day notice period, which is triggered when we don’t receive your Direct Debit payments within the agreed 14-day period. At this point, we will contact you as soon as possible and stop the policyPage / 2 immediately. Underwritten by:Hiscox Underwriting Ltd on behalf of the insurers named in the schedule. Page / 1 Certificate of professional indemnity insurance Sykes, Barber and Pickering Hiscox Underwriting Ltd of 1 Great St. Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Certificate of professional indemnity Insurance Policy number:kmrrqwkcmjij_jt_wn_e Name of policy holder:Sykes, Barber and Pickering Period of insurance: From 2024-10-27 to Friday 24 July, 2020 both days inclusive. This policy isa Continuing cover policy Insurer: Hiscox Insurance Company Limited Retroactive date: 01/06/2020 Level of cover:£1,000,000 Signed on behalf of Hiscox Underwriting Limited as agent for the insurers Jon Dye CEO, Hiscox UK Notes: (a) This insurance is subject to policy terms and conditions and any special terms notified to the InsuredPage / 1 Hiscox Business Insurance Policy Schedule 14502 10/18 This schedule tells you what is insured with us. It should be read carefully with your policy wording(s) and statement of fact detailed elsewhere in this document. Schedule effective date: 2024-10-27 Insurance details Policy number: kmrrqwkcmjij_jt_wn_e Period of insurance: From 2024-10-27 to Friday 24 July, 2020 both days inclusive. This policy isa Continuing cover policy. Insured: Sykes, Barber and Pickering Address: Flat 97 Smith passage Malcolmshire FARNHAM LU12 7SD Additional insureds: None Business: Management Consultants Premium details Charged premium – the total amount you’ll pay for this policy. Charged premium: £8,319.13 Insurance Premium Tax (IPT): £6,784.86 Total charged premium: £646.82 Annualised premium – the annual premium for this policy. This is given for comparison purposes. Please refer to the charged premium section for the amount you’ll pay for the policy. Annual premium: £8,319.13 Insurance Premium Tax (IPT): £6,784.86 Annual total: £646.82 Please note that there will be no refund or additional premium for any transaction which is less than £20 (excluding IPT). Hiscox Business Insurance Policy Schedule 14502 10/18 Summary Claims information If you need to make a claim: - For claims relating to your building or contents please contact our claims team on 0800 247 1902, 9.00am – 5:30pm Monday to Friday. If you wish to make a claim online, you can log most claims quickly and easily through our claims notification portal at https://claims.hiscox.co.uk/. Outside of normal business hours, if you require emergency assistance in relation to substantial damage to your property, you can speak to our 24-hour emergency assistance team using the telephone number above. Your policy schedule will state if property cover is included in your policy. Our out-of-hours emergency assistance team operate ona pay-and-claim basis and you will need to have credit card details available as appropriate. The team will then be able to direct you to essential tradesmen, emergency loss adjusters or disaster management companies in the event of substantial damage. - If there isa claim (or potential claim) against you bya third party, please email us at liability.claims@hiscox.com. If you need to speak to a member of the claims team urgently, please call our team on 0800 711 7156, 9.00am – 5:30pm Monday to Friday. If you wish to make a claim online, you can log most claims quickly and easily through our claims notification portal at https://claims.hiscox.co.uk/. You will need to provide your full name and contact details, the name of your business or organisation, your address and postcode, the policy reference and circumstances of the claim. The Important information and contact details section below contains additional information specific to the covers applicable to your policy. If you are unsure of who to contact please call our team on 0800 711 7156, 9.00am – 5:30pm Monday to Friday. They will ensure you get through to the correct claims team and let you know what actions you need to take. If anything happens that might be covered under the policy, you must comply with the obligations set out in General claims conditions, together with the obligations set out under Your obligations in the section or sections under which you are making the claim. Itis important that you read the policy for details of its terms in full. Your covers This isa summary of each section of your policy. See each section for cover details. Cover Insurance amount Excess Annual Premium (exc IPT) Professional indemnity £1,000,000 £1,000 £3,927.00 Legal protection £100,000 £0 £3,191.17 Crisis containment £25,000 - £3,372.93 The figures above are in summary only and are not in addition to the amount insured specified against each cover section below. Hiscox Business Insurance Policy Schedule 14502 10/18 SECTION: PROFESSIONAL INDEMNITY – MANAGEMENT CONSULTANTS Cover start date: 2024-10-27 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 dataPage / 2 claims £250,000 in the aggregate, including all costs Business activities Business management consultant Retroactive date 01/06/2020 Insurer Hiscox Insurance Company LimitedPage / 1 Hiscox Insurance Summary of change Introduction This document has been created to help you understand the key changes to your Hiscox Insurance policy and how they may impact you. Your policy continues to offer professional, tailored insurance to protect you and give you peace of mind that if you need us, you will be supported by our award winning claims team. If you have a query not covered by this document, or if you have any questions or concerns about your policy you should contact us. Frequently asked questions What if my circumstances change during the period of insurance? If your circumstances change during the period of insurance, you only need to let us know if the change means that any of the information in the Statement of Fact is no longer true, complete and accurate. If there are no such changes, you do not need to let us know. If any of the information within the Statement of Fact becomes no longer complete, true or accurate at any point during the period of insurance you must tell us as it may affect the validity of the policy or our ability to pay a claim. Additionally, if your contact details change then you should let us know straightaway. Where doI find the limits that apply to my policy? You can find your maximum allowable limits for turnover and wage rollin your Statement of Fact. You must check this information and tell us or your broker if you expect to exceed the maximum amounts shown. Please note these values may have changed. If there are special limits or special excesses applying to particular covers or types of losses these will be shown in the policy schedule. Please check your policy schedule carefully as they may have changed. My new schedule shows a different premium to last year? What has changed? If an underwriter has reviewed your policy then they may have manually adjusted your premium, for example if you’ve had claims in the last 12 months. Where doI find out about any endorsements on my policy? You will be able to see if an endorsement has been applied or removed by reviewing your Policy Schedule. If you have any queries or concerns, please contact us or your broker if you have one. Hiscox Insurance Summary of change Professional indemnity for business management consultants Summary of change Changes to the cover The following table shows the differences between our new policy wordings (5570 WD- PROF-UK-MAN(7), 15579 WD-PROF-UK-MAN-AG(3)) and our previous wordings (5570 WD-PROF-UK-MAN(6), 15579 WD-PROF-UK-MAN-AG(2)). This isa summary of the changes only. You should refer to the schedule and policy wording for the full description of the cover in place. Area of cover Previous policy New policy Improvement in cover Claims against you Advertising claims. We will pay claims arising from your advertising or branding for defamation or infringement of copyright or moral rights. This does not include claims for passing off, unauthorised use of trademarks or false or misleading advertising. Previously cover was not restricted to defamation or the infringement of copyright or moral rights.Covered Amended Your own lossesChanges to ‘what is covered’ Losses from dishonesty. Your losses arising from the dishonesty of your employees, sub-contractors or outsourcers.Covered Not covered Area of cover Previous policy New policy Improvement in cover Cyber incident. We will not pay claims relating to an actual or possible cyber attack, hacker or social engineering communication. Previously we excluded any virus not specifically targeted at your system.Covered Not covered Computer or digital technology error. We will not pay claims arising from any negligent act, error or omission in the operation or maintenance of computer or digital technology such as development, installation, patching or upgrading.Covered Not coveredChanges to ‘what is not covered’ Infrastructure. We will not pay claims arising from the failure of the service provided by internet, telecommunications, utilities or other infrastructure providers.Covered Not covered Hiscox Insurance Summary of change Personal data. We will not pay claims relating to personal data. We will pay such claims where they arise from your performance ofa business activity and which is not otherwise excluded. Subject to the limit shown in the schedule.Covered Not covered Other important changes Control of defence. Under the previous wording we had a duty to defend you against any covered claim brought against you. We now have the right but not the obligation to take control of the conduct of the claim including the appointment of legal representation. Please refer to the policy wording for full details. SOC-PROF-UK-MAN(1) 21367 01/21	kmrrqwkcmjij_jt_wn_e	(?<=Policy number - )[-\w_\/\.]+?(?= Company name)	2024-10-27	(?<=anniversary of your policy is approaching on )[-\w_\/\. ,]+?(?= \.)	null	null	Business	(?<=time to renew your Hiscox )[-\w_\/\. ]+?(?= Insurance)	2024-02-05
hiscox-business-1	Hiscox Business Insurance - Policy number - 5123AO-OECQUF Company name: Reid-Williams It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : 5123AO-OECQUF. Company name: Reid-Williams. Your Hiscox Insurance premium. Last year’s annual premium: This year’s annual premium. £ 7,639.63. £ 7,639.63. The premium includes all applicable insurance premium tax (IPT). Dear Mr Lydia Davis. Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on Wednesday 25 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. £5,367.46. £5,367.46. Legal protection. £5,694.20. £5,694.20. Crisis containment. £6,139.56. Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy . Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government increase in Insurance Premium Tax as shown. Is our information correct? Your premium and cover are based on what you’ve told us about Reid-Williams , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay. . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover. Policy summary for each cover. ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover . As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before Wednesday 25 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 : 5123AO-OECQUF Company name: Reid-Williams . It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : 5123AO-OECQUF Company name: Reid-Williams . Your Hiscox Insurance premium Last year’s annual premium: This year’s annual premium The premium includes all applicable insurance premium tax (IPT). £ 7,639.63 £ 7,639.63 . Your Hiscox Insurance premium . Last year’s annual premium: This year’s annual premium £ 7,639.63 £ 7,639.63 . The premium includes all applicable insurance premium tax (IPT). Dear Mr Lydia Davis . Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on Wednesday 25 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 £5,367.46 £5,367.46 Legal protection £5,694.20 £5,694.20 Crisis containment £6,139.56 Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government increase in Insurance Premium Tax as shown. Is our information correct? Your premium and cover are based on what you’ve told us about Reid-Williams , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover Policy summary for each cover ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before Wednesday 25 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 Wednesday 25 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 £5,367.46 £5,367.46 Legal protection £5,694.20 £5,694.20 Crisis containment £6,139.56 Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government increase in Insurance Premium Tax as shown. Is our information correct? Your premium and cover are based on what you’ve told us about Reid-Williams , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover Policy summary for each cover ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before Wednesday 25 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) £5,367.46 £5,694.20 £6,139.56 . This year’s annual Premium (exc IPT) £5,367.46 £5,694.20 . Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) . Professional indemnity £5,367.46 £5,367.46 . Legal protection £5,694.20 £5,694.20 . Crisis containment £6,139.56 . Kind regards Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre . Kind regards . Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave . To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre . Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Page / 1 Hiscox Business Insurance Policy wording 17431a - DC565 WORDING 04/17Guide to sectionsIntroduction Policy wordings General terms and conditions Professional indemnity for business management consultants Legal protection Crisis containment Hiscox Business Insurance Policy wording 17431a - DC565 WORDING 04/17IntroductionThank you for choosing Hiscox to protect your business. We hope that the language and layout of this policy wording are clear because we want you to understand the insurance we provide as well as the responsibilities we have to each other. Please read this document, including the policy schedule, policy summary and statement of fact, and let us know as soon as possible if any of the details are shown incorrectly. We always try to deliver to the highest standards of service. Your views are important to us, so if you feel that our service is below the standard you would expect from Hiscox, please contact us on the phone number shown in your policy schedule. Please note that some of the words we use in this insurance are shown in bold type. These words are defined in each section of the wording. Page / 1 Hiscox Insurance Payment schedule Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Thank you for continuing to pay for your policy by Direct Debit. Please check these details and let us know if anything is incorrect or if the schedule is not suitable. Your reference details Account holder name: Lydia Davis Frequency of collection: Annual Sort code: %BANK_SORT_CODE_1% Account number: %BANK_ACCOUNT_NUMBER_1% Your Direct Debit schedule We will take payments on the dates outlined below: Date Amount 23/11/2024 £7,639.63 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: 5123AO-OECQUF If you have any questions about your policy or payments, please call us on 0800 280 0351. We’re here between 8:30am - 5:30pm Monday to Friday or you can email us at service@hiscox.co.uk. Using your personal information Hiscox isa trading name ofa number of Hiscox companies. The specific company acting asa data controller of your personal information will be listed in the documentation we provide to you. If you are unsure you can also contact us at anytime by telephoning 01904 681198 or by emailing us at dataprotectionofficer@hiscox.com. We collect and process information about you in order to provide insurance policies and to process claims. Your information is also used for business purposes such as fraud prevention and detection and financial management. This may involve sharing your information with, and obtaining information about you from, our group companies and third parties such as brokers, loss adjusters, credit reference agencies, service providers, professional advisors, our regulators or fraud prevention agencies. We may record telephone calls to help us monitor and improve the service we provide. For further information on how your information is used and your rights in relation to your information please see our privacy policy at www.hiscox.co.uk/cookies-privacy. The Direct Debit Guarantee This Guarantee is offered by all banks and building societies that accept instructions to pay Direct Debits. If there are any changes to the amount, date or frequency of your Direct Debit Hiscox Underwriting Ltd will notify you ten working days in advance of your account being debited or as otherwise agreed. If you request Hiscox Underwriting Ltd to collect a payment, confirmation of the amount and date will be given to you at the time of the request. If an error is made in the payment of your Direct Debit by Hiscox Underwriting Ltd or your bank or building society you are entitled to a full and immediate refund of the amount paid from your bank or building society. – If you receive a refund you are not entitled to, you must pay it back when Hiscox Underwriting Ltd asks you to. You can cancel a Direct Debit at anytime by simply contacting your bank or building society. Written confirmation maybe required. Please also notify us. Page / 1 Hiscox Business Insurance Policy summary JAC-PSC-UK-DC556(5.4) 17431b 07/20 Your Hiscox Business Insurance policy summaries This document contains the summaries for any policy covers you have selected to protect your business. These summaries outline the key information about your policies so you can be confident that you have understood what you have bought and what you are covered for. However, you should carefully read your policy in full and ensure that you understand its terms and conditions in full. If you have any queries, you should contact Hiscox or your insurance advisor. Your side of the bargain Remember, your premium and insurance are based on the details you have provided to us. Please make sure this information accurately reflects your business and that you inform us immediately if anything needs to change. Please also tell us of any changes in circumstances that may affect the services provided by us or the cover provided by your policy. This is particularly important before taking out a policy, but it also applies throughout the life of the policy too. You need to consider: ■if you fail to fairly present the risk to us, including by failing to disclose any information material to the insurance, you could invalidate the policy, claims may not be paid or the amount we pay maybe reduced; ■you should read and check all insurance documents to ensure that you are aware of the cover, limits and other terms that apply; ■if you fail to let us know of any changes to your circumstances during the period of insurance or, if when telling us about such changes you fail to present the risk to us fairly, you could invalidate the policy, claims may not be paid or the amount we pay maybe reduced; ■please be aware of all terms and conditions of your policy because failure to comply with them could invalidate it or result in us not paying a claim or reducing the amount we pay; ■in the event ofa claim, you should take note of the required procedures, such as giving Hiscox prompt notice of the claims, as stated in the policy documentation. In particular, if you fail to notify us when you first become aware ofa shortcoming, fact, or problem, admit you are liable for what has happened or appoint solicitors or other legal representation without our prior written approval, claims or defence costs may not be paid or the amount we pay maybe reduced; ■as with any insurance, you have an obligation to take reasonable steps to mitigate any loss or liability; ■if you make a fraudulent claim or try to deceive us, we may terminate the policy. Policy length The period of insurance is shown on your policy schedule. Your policy schedule will also show if the policy is ona continuing cover basis. If itis ona continuing cover basis, we will renew your policy each year for another 12 months and continue to take payment (including any premium adjustment shown in your renewal invitation) using your existing arrangement, unless you tell us otherwise or if your risk changes. If your policy schedule does not show that the policy is ona continuing cover basis, cover will cease at the end of the period of insurance, unless you renew your policy with us. We will provide you witha statement of fact each year and provided that the information contained within the statement of fact is true, complete and accurate, you do not need to provide us with any further information. If any of the information in your statement of fact is not true, complete and accurate, you must let us know. If you do not let us know, it may affect the validity of the policy or our ability to pay a claim. Retroactive dates, geographical and jurisdiction limits Where any section of your policy schedule includes a retroactive date, we will not make any payment for any claim or loss under that section which arises from any activity performed or any act, incident or occurrence taking place, before the retroactive date. Where any section of your policy schedule shows the geographical limits which apply to that section of the policy, we will only pay for claims and losses under that section which arise from activities performed or acts, incidents or occurrences taking place within those geographical limits. Where any section provides cover in respect of your liability to third parties, we will only cover claims first made ina country within the applicable courts stated in that section of your policy schedule. Hiscox Business Insurance Policy summary JAC-PSC-UK-DC556(5.4) 17431b 07/20 Cancellation rights You can cancel this policy by giving us 30 days' notice. You will only be charged for the premiums due up to the date of cancellation. If we need to cancel the policy, we’ll give you 30 days’ notice in writing and refund any surplus premiums you might have paid. Please note – we may deduct an administration fee from any refunded payment.There is an exception to our 30-day notice period, which is triggered when we don’t receive your Direct Debit payments within the agreed 14-day period. At this point, we will contact you as soon as possible and stop the policyPage / 2 immediately. Underwritten by:Hiscox Underwriting Ltd on behalf of the insurers named in the schedule. Page / 1 Certificate of professional indemnity insurance Reid-Williams Hiscox Underwriting Ltd of 1 Great St. Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Certificate of professional indemnity Insurance Policy number:5123AO-OECQUF Name of policy holder:Reid-Williams Period of insurance: From Wednesday 25 December, 2024 to 25 October, 2021 both days inclusive. This policy isa Continuing cover policy Insurer: Hiscox Insurance Company Limited Retroactive date: 2024-08-12 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: Wednesday 25 December, 2024 Insurance details Policy number: 5123AO-OECQUF Period of insurance: From Wednesday 25 December, 2024 to 25 October, 2021 both days inclusive. This policy isa Continuing cover policy. Insured: Reid-Williams Address: 006 Molly extension Dylanville FARNHAM B5K 4WT Additional insureds: None Business: Management Consultants Premium details Charged premium – the total amount you’ll pay for this policy. Charged premium: £633.10 Insurance Premium Tax (IPT): £7,519.08 Total charged premium: £7,639.63 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: £633.10 Insurance Premium Tax (IPT): £7,519.08 Annual total: £7,639.63 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 £5,367.46 Legal protection £100,000 £0 £5,694.20 Crisis containment £25,000 - £6,139.56 The figures above are in summary only and are not in addition to the 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 25 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 dataPage / 2 claims £250,000 in the aggregate, including all costs Business activities Business management consultant Retroactive date 2024-08-12 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	5123AO-OECQUF	(?<=Policy number - )[-\w_\/\.]+?(?= Company name)	Wednesday 25 December, 2024	(?<=anniversary of your policy is approaching on )[-\w_\/\. ,]+?(?= \.)	null	null	Business	(?<=time to renew your Hiscox )[-\w_\/\. ]+?(?= Insurance)	2024-02-05
hiscox-business-1	Hiscox Business Insurance - Policy number - minima-maiores-ad Company name: Booth, Patterson and Taylor It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : minima-maiores-ad. Company name: Booth, Patterson and Taylor. Your Hiscox Insurance premium. Last year’s annual premium: This year’s annual premium. £ 1,038.85. £ 1,038.85. The premium includes all applicable insurance premium tax (IPT). Dear Dr Ms Rachael Bailey. Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 2021-06-09 . Good news; if you want cover to continue with us and to make sure you stay protected by our award-winning cover, you do not need to do anything. We will update your policy onto our latest wording and continue to collect payment using the payment details we have for you. You must read the important information contained in this email and the attached documents. Your Hiscox Insurance Premium breakdown. The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). The amount shown as last year’s Annual premium will take into account any changes to the cover which may have been made during the last policy period. Cover. Last year’s annual premium (exc IPT). This year’s annual Premium (exc IPT). Professional indemnity. £5,062.06. £5,062.06. Legal protection. £3,025.20. £3,025.20. Crisis containment. £6,348.16. Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy . Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government increase in Insurance Premium Tax as shown. Is our information correct? Your premium and cover are based on what you’ve told us about Booth, Patterson and Taylor , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay. . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover. Policy summary for each cover. ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover . As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before 2021-06-09 . We’re here between 8:30am - 5:30pm Monday to Friday . Please note that we can only discuss policy changes with people named on the policy. Why renew with Hiscox. - Reassuring: we offer a range of cover options that can be tailored to your needs. - Flexible: we offer full flexibility to change your policy, with no administration fees . - Award-winning cover : we’ve been named Best Small Business Insurer 7 years running by Start Your Business Magazine . Please click this link for the Hiscox Referral Portal: https://refer.aklamio.com/hiscox/uk?source=postpurchase. Thank you again for choosing Hiscox to insure your business. We hope you and your business have a very successful year. Kind regards. Jon Dye. CEO, Hiscox UK. Business Insurance for the small and the brave. To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre. Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. This email and any files transmitted with it are confidential and intended solely for the use of the individual or entity to whom they are addressed. No one else is authorised to distribute, forward, print, copy or act upon any information contained in this email. If you have received this email in error, please notify the sender. Hiscox Syndicates Limited and Hiscox Insurance Company Limited are authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Hiscox Underwriting Limited, Hiscox Underwriting Services Ltd, Hiscox MGA Ltd and Hiscox ASM Ltd are authorised and regulated by the Financial Conduct Authority. Hiscox Assure SAS is duly registered as an insurance broker with the ORIAS, which is the French Official Registry of Insurance Intermediaries. Hiscox plc is a company registered in England and Wales under company registration number 2837811 and registered office at 1 Great St Helen's, London EC3A 6HX. Hiscox SA is a company registered in Luxembourg at 35 Avenue John F. Kennedy 35F, Luxembourg L-1855, and is authorised by the Commissariat aux Assurances de Luxembourg. It’s time to renew your Hiscox Business Insurance Hiscox Insurance policy number : minima-maiores-ad Company name: Booth, Patterson and Taylor . It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : minima-maiores-ad Company name: Booth, Patterson and Taylor . Your Hiscox Insurance premium Last year’s annual premium: This year’s annual premium The premium includes all applicable insurance premium tax (IPT). £ 1,038.85 £ 1,038.85 . Your Hiscox Insurance premium . Last year’s annual premium: This year’s annual premium £ 1,038.85 £ 1,038.85 . The premium includes all applicable insurance premium tax (IPT). Dear Dr Ms Rachael Bailey . Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 2021-06-09 . Good news; if you want cover to continue with us and to make sure you stay protected by our award-winning cover, you do not need to do anything. We will update your policy onto our latest wording and continue to collect payment using the payment details we have for you. You must read the important information contained in this email and the attached documents Your Hiscox Insurance Premium breakdown The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). The amount shown as last year’s Annual premium will take into account any changes to the cover which may have been made during the last policy period. Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) Professional indemnity £5,062.06 £5,062.06 Legal protection £3,025.20 £3,025.20 Crisis containment £6,348.16 Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government increase in Insurance Premium Tax as shown. Is our information correct? Your premium and cover are based on what you’ve told us about Booth, Patterson and Taylor , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover Policy summary for each cover ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before 2021-06-09 . We’re here between 8:30am - 5:30pm Monday to Friday . Please note that we can only discuss policy changes with people named on the policy. Why renew with Hiscox - Reassuring: we offer a range of cover options that can be tailored to your needs - Flexible: we offer full flexibility to change your policy, with no administration fees - Award-winning cover : we’ve been named Best Small Business Insurer 7 years running by Start Your Business Magazine Please click this link for the Hiscox Referral Portal: https://refer.aklamio.com/hiscox/uk?source=postpurchase Thank you again for choosing Hiscox to insure your business. We hope you and your business have a very successful year. Kind regards Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 2021-06-09 . Good news; if you want cover to continue with us and to make sure you stay protected by our award-winning cover, you do not need to do anything. We will update your policy onto our latest wording and continue to collect payment using the payment details we have for you. You must read the important information contained in this email and the attached documents Your Hiscox Insurance Premium breakdown The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). The amount shown as last year’s Annual premium will take into account any changes to the cover which may have been made during the last policy period. Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) Professional indemnity £5,062.06 £5,062.06 Legal protection £3,025.20 £3,025.20 Crisis containment £6,348.16 Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government increase in Insurance Premium Tax as shown. Is our information correct? Your premium and cover are based on what you’ve told us about Booth, Patterson and Taylor , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover Policy summary for each cover ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before 2021-06-09 . We’re here between 8:30am - 5:30pm Monday to Friday . Please note that we can only discuss policy changes with people named on the policy. Why renew with Hiscox - Reassuring: we offer a range of cover options that can be tailored to your needs - Flexible: we offer full flexibility to change your policy, with no administration fees - Award-winning cover : we’ve been named Best Small Business Insurer 7 years running by Start Your Business Magazine Please click this link for the Hiscox Referral Portal: https://refer.aklamio.com/hiscox/uk?source=postpurchase Thank you again for choosing Hiscox to insure your business. We hope you and your business have a very successful year. Kind regards Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Your Hiscox Insurance Premium breakdown The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). Cover Professional indemnity Legal protection Crisis containment . Last year’s annual premium (exc IPT) £5,062.06 £3,025.20 £6,348.16 . This year’s annual Premium (exc IPT) £5,062.06 £3,025.20 . Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) . Professional indemnity £5,062.06 £5,062.06 . Legal protection £3,025.20 £3,025.20 . Crisis containment £6,348.16 . Kind regards Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre . Kind regards . Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave . To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre . Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Page / 1 Hiscox Business Insurance Policy wording 17431a - DC565 WORDING 04/17Guide to sectionsIntroduction Policy wordings General terms and conditions Professional indemnity for business management consultants Legal protection Crisis containment Hiscox Business Insurance Policy wording 17431a - DC565 WORDING 04/17IntroductionThank you for choosing Hiscox to protect your business. We hope that the language and layout of this policy wording are clear because we want you to understand the insurance we provide as well as the responsibilities we have to each other. Please read this document, including the policy schedule, policy summary and statement of fact, and let us know as soon as possible if any of the details are shown incorrectly. We always try to deliver to the highest standards of service. Your views are important to us, so if you feel that our service is below the standard you would expect from Hiscox, please contact us on the phone number shown in your policy schedule. Please note that some of the words we use in this insurance are shown in bold type. These words are defined in each section of the wording. Page / 1 Hiscox Insurance Payment schedule Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Thank you for continuing to pay for your policy by Direct Debit. Please 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 Rachael 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 Tue 05 December, 2023 £1,038.85 Where your chosen collection date falls ona non-working day then we will endeavour to collect the next working day. For your information, the collections will be made using the following reference number: Originator Identification Number: 293461 Reference Number: minima-maiores-ad If you have any questions about your policy or payments, please call us on 0800 280 0351. We’re here between 8:30am - 5:30pm Monday to Friday or you can email us at service@hiscox.co.uk. Using your personal information Hiscox isa trading name ofa number of Hiscox companies. The specific company acting asa data controller of your personal information will be listed in the documentation we provide to you. If you are unsure you can also contact us at anytime by telephoning 01904 681198 or by emailing us at dataprotectionofficer@hiscox.com. We collect and process information about you in order to provide insurance policies and to process claims. Your information is also used for business purposes such as fraud prevention and detection and financial management. This may involve sharing your information with, and obtaining information about you from, our group companies and third parties such as brokers, loss adjusters, credit reference agencies, service providers, professional advisors, our regulators or fraud prevention agencies. We may record telephone calls to help us monitor and improve the service we provide. For further information on how your information is used and your rights in relation to your information please see our privacy policy at www.hiscox.co.uk/cookies-privacy. The Direct Debit Guarantee This Guarantee is offered by all banks and building societies that accept instructions to pay Direct Debits. If there are any changes to the amount, date or frequency of your Direct Debit Hiscox Underwriting Ltd will notify you ten working days in advance of your account being debited or as otherwise agreed. If you request Hiscox Underwriting Ltd to collect a payment, confirmation of the amount and date will be given to you at the time of the request. If an error is made in the payment of your Direct Debit by Hiscox Underwriting Ltd or your bank or building society you are entitled to a full and immediate refund of the amount paid from your bank or building society. – If you receive a refund you are not entitled to, you must pay it back when Hiscox Underwriting Ltd asks you to. You can cancel a Direct Debit at anytime by simply contacting your bank or building society. Written confirmation maybe required. Please also notify us. Page / 1 Hiscox Business Insurance Policy summary JAC-PSC-UK-DC556(5.4) 17431b 07/20 Your Hiscox Business Insurance policy summaries This document contains the summaries for any policy covers you have selected to protect your business. These summaries outline the key information about your policies so you can be confident that you have understood what you have bought and what you are covered for. However, you should carefully read your policy in full and ensure that you understand its terms and conditions in full. If you have any queries, you should contact Hiscox or your insurance advisor. Your side of the bargain Remember, your premium and insurance are based on the details you have provided to us. Please make sure this information accurately reflects your business and that you inform us immediately if anything needs to change. Please also tell us of any changes in circumstances that may affect the services provided by us or the cover provided by your policy. This is particularly important before taking out a policy, but it also applies throughout the life of the policy too. You need to consider: ■if you fail to fairly present the risk to us, including by failing to disclose any information material to the insurance, you could invalidate the policy, claims may not be paid or the amount we pay maybe reduced; ■you should read and check all insurance documents to ensure that you are aware of the cover, limits and other terms that apply; ■if you fail to let us know of any changes to your circumstances during the period of insurance or, if when telling us about such changes you fail to present the risk to us fairly, you could invalidate the policy, claims may not be paid or the amount we pay maybe reduced; ■please be aware of all terms and conditions of your policy because failure to comply with them could invalidate it or result in us not paying a claim or reducing the amount we pay; ■in the event ofa claim, you should take note of the required procedures, such as giving Hiscox prompt notice of the claims, as stated in the policy documentation. In particular, if you fail to notify us when you first become aware ofa shortcoming, fact, or problem, admit you are liable for what has happened or appoint solicitors or other legal representation without our prior written approval, claims or defence costs may not be paid or the amount we pay maybe reduced; ■as with any insurance, you have an obligation to take reasonable steps to mitigate any loss or liability; ■if you make a fraudulent claim or try to deceive us, we may terminate the policy. Policy length The period of insurance is shown on your policy schedule. Your policy schedule will also show if the policy is ona continuing cover basis. If itis ona continuing cover basis, we will renew your policy each year for another 12 months and continue to take payment (including any premium adjustment shown in your renewal invitation) using your existing arrangement, unless you tell us otherwise or if your risk changes. If your policy schedule does not show that the policy is ona continuing cover basis, cover will cease at the end of the period of insurance, unless you renew your policy with us. We will provide you witha statement of fact each year and provided that the information contained within the statement of fact is true, complete and accurate, you do not need to provide us with any further information. If any of the information in your statement of fact is not true, complete and accurate, you must let us know. If you do not let us know, it may affect the validity of the policy or our ability to pay a claim. Retroactive dates, geographical and jurisdiction limits Where any section of your policy schedule includes a retroactive date, we will not make any payment for any claim or loss under that section which arises from any activity performed or any act, incident or occurrence taking place, before the retroactive date. Where any section of your policy schedule shows the geographical limits which apply to that section of the policy, we will only pay for claims and losses under that section which arise from activities performed or acts, incidents or occurrences taking place within those geographical limits. Where any section provides cover in respect of your liability to third parties, we will only cover claims first made ina country within the applicable courts stated in that section of your policy schedule. Hiscox Business Insurance Policy summary JAC-PSC-UK-DC556(5.4) 17431b 07/20 Cancellation rights You can cancel this policy by giving us 30 days' notice. You will only be charged for the premiums due up to the date of cancellation. If we need to cancel the policy, we’ll give you 30 days’ notice in writing and refund any surplus premiums you might have paid. Please note – we may deduct an administration fee from any refunded payment.There is an exception to our 30-day notice period, which is triggered when we don’t receive your Direct Debit payments within the agreed 14-day period. At this point, we will contact you as soon as possible and stop the policyPage / 2 immediately. Underwritten by:Hiscox Underwriting Ltd on behalf of the insurers named in the schedule. Page / 1 Certificate of professional indemnity insurance Booth, Patterson and Taylor Hiscox Underwriting Ltd of 1 Great St. Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Certificate of professional indemnity Insurance Policy number:minima-maiores-ad Name of policy holder:Booth, Patterson and Taylor Period of insurance: From 2021-06-09 to Sat 05 August, 2023 both days inclusive. This policy isa Continuing cover policy Insurer: Hiscox Insurance Company Limited Retroactive date: 25/05/22 Level of cover:£1,000,000 Signed on behalf of Hiscox Underwriting Limited as agent for the insurers Jon Dye CEO, Hiscox UK Notes: (a) This insurance is subject to policy terms and conditions and any special terms notified to the InsuredPage / 1 Hiscox Business Insurance Policy Schedule 14502 10/18 This schedule tells you what is insured with us. It should be read carefully with your policy wording(s) and statement of fact detailed elsewhere in this document. Schedule effective date: 2021-06-09 Insurance details Policy number: minima-maiores-ad Period of insurance: From 2021-06-09 to Sat 05 August, 2023 both days inclusive. This policy isa Continuing cover policy. Insured: Booth, Patterson and Taylor Address: 9 Charlotte port Danielleberg FARNHAM CH80 1RZ Additional insureds: None Business: Management Consultants Premium details Charged premium – the total amount you’ll pay for this policy. Charged premium: £8,011.63 Insurance Premium Tax (IPT): £1,670.69 Total charged premium: £1,038.85 Annualised premium – the annual premium for this policy. This is given for comparison purposes. Please refer to the charged premium section for the amount you’ll pay for the policy. Annual premium: £8,011.63 Insurance Premium Tax (IPT): £1,670.69 Annual total: £1,038.85 Please note that there will be no refund or additional premium for any transaction which is less than £20 (excluding IPT). Hiscox Business Insurance Policy Schedule 14502 10/18 Summary Claims information If you need to make a claim: - For claims relating to your building or contents please contact our claims team on 0800 247 1902, 9.00am – 5:30pm Monday to Friday. If you wish to make a claim online, you can log most claims quickly and easily through our claims notification portal at https://claims.hiscox.co.uk/. Outside of normal business hours, if you require emergency assistance in relation to substantial damage to your property, you can speak to our 24-hour emergency assistance team using the telephone number above. Your policy schedule will state if property cover is included in your policy. Our out-of-hours emergency assistance team operate ona pay-and-claim basis and you will need to have credit card details available as appropriate. The team will then be able to direct you to essential tradesmen, emergency loss adjusters or disaster management companies in the event of substantial damage. - If there isa claim (or potential claim) against you bya third party, please email us at liability.claims@hiscox.com. If you need to speak to a member of the claims team urgently, please call our team on 0800 711 7156, 9.00am – 5:30pm Monday to Friday. If you wish to make a claim online, you can log most claims quickly and easily through our claims notification portal at https://claims.hiscox.co.uk/. You will need to provide your full name and contact details, the name of your business or organisation, your address and postcode, the policy reference and circumstances of the claim. The Important information and contact details section below contains additional information specific to the covers applicable to your policy. If you are unsure of who to contact please call our team on 0800 711 7156, 9.00am – 5:30pm Monday to Friday. They will ensure you get through to the correct claims team and let you know what actions you need to take. If anything happens that might be covered under the policy, you must comply with the obligations set out in General claims conditions, together with the obligations set out under Your obligations in the section or sections under which you are making the claim. Itis important that you read the policy for details of its terms in full. Your covers This isa summary of each section of your policy. See each section for cover details. Cover Insurance amount Excess Annual Premium (exc IPT) Professional indemnity £1,000,000 £1,000 £5,062.06 Legal protection £100,000 £0 £3,025.20 Crisis containment £25,000 - £6,348.16 The figures above are in summary only and are not in addition to the amount insured specified against each cover section below. Hiscox Business Insurance Policy Schedule 14502 10/18 SECTION: PROFESSIONAL INDEMNITY – MANAGEMENT CONSULTANTS Cover start date: 2021-06-09 Limit of indemnity £1,000,000 Limit applies to in the aggregate, including all costs Excess £1,000 Excess applies to each and every claim or loss, including all costs Geographical limits Worldwide Applicable courts Worldwide (excluding United States of America and Canada) Claims brought in USA or Canada Not covered Additional covers (in addition to overall limit of indemnity stated above) Cover Limit of indemnity Limit applies to Court attendance compensation - employees £250 per person, per day Court attendance compensation - directors and partners£500 per person, per day Court attendance compensation: in total £100,000 in the aggregate Special limits (included within not in addition to the overall limit of indemnity stated above) Cover Limit of indemnity Limit applies to Personal dataPage / 2 claims £250,000 in the aggregate, including all costs Business activities Business management consultant Retroactive date 25/05/22 Insurer Hiscox Insurance Company LimitedPage / 1 Hiscox Insurance Summary of change Introduction This document has been created to help you understand the key changes to your Hiscox Insurance policy and how they may impact you. Your policy continues to offer professional, tailored insurance to protect you and give you peace of mind that if you need us, you will be supported by our award winning claims team. If you have a query not covered by this document, or if you have any questions or concerns about your policy you should contact us. Frequently asked questions What if my circumstances change during the period of insurance? If your circumstances change during the period of insurance, you only need to let us know if the change means that any of the information in the Statement of Fact is no longer true, complete and accurate. If there are no such changes, you do not need to let us know. If any of the information within the Statement of Fact becomes no longer complete, true or accurate at any point during the period of insurance you must tell us as it may affect the validity of the policy or our ability to pay a claim. Additionally, if your contact details change then you should let us know straightaway. Where doI find the limits that apply to my policy? You can find your maximum allowable limits for turnover and wage rollin your Statement of Fact. You must check this information and tell us or your broker if you expect to exceed the maximum amounts shown. Please note these values may have changed. If there are special limits or special excesses applying to particular covers or types of losses these will be shown in the policy schedule. Please check your policy schedule carefully as they may have changed. My new schedule shows a different premium to last year? What has changed? If an underwriter has reviewed your policy then they may have manually adjusted your premium, for example if you’ve had claims in the last 12 months. Where doI find out about any endorsements on my policy? You will be able to see if an endorsement has been applied or removed by reviewing your Policy Schedule. If you have any queries or concerns, please contact us or your broker if you have one. Hiscox Insurance Summary of change Professional indemnity for business management consultants Summary of change Changes to the cover The following table shows the differences between our new policy wordings (5570 WD- PROF-UK-MAN(7), 15579 WD-PROF-UK-MAN-AG(3)) and our previous wordings (5570 WD-PROF-UK-MAN(6), 15579 WD-PROF-UK-MAN-AG(2)). This isa summary of the changes only. You should refer to the schedule and policy wording for the full description of the cover in place. Area of cover Previous policy New policy Improvement in cover Claims against you Advertising claims. We will pay claims arising from your advertising or branding for defamation or infringement of copyright or moral rights. This does not include claims for passing off, unauthorised use of trademarks or false or misleading advertising. Previously cover was not restricted to defamation or the infringement of copyright or moral rights.Covered Amended Your own lossesChanges to ‘what is covered’ Losses from dishonesty. Your losses arising from the dishonesty of your employees, sub-contractors or outsourcers.Covered Not covered Area of cover Previous policy New policy Improvement in cover Cyber incident. We will not pay claims relating to an actual or possible cyber attack, hacker or social engineering communication. Previously we excluded any virus not specifically targeted at your system.Covered Not covered Computer or digital technology error. We will not pay claims arising from any negligent act, error or omission in the operation or maintenance of computer or digital technology such as development, installation, patching or upgrading.Covered Not coveredChanges to ‘what is not covered’ Infrastructure. We will not pay claims arising from the failure of the service provided by internet, telecommunications, utilities or other infrastructure providers.Covered Not covered Hiscox Insurance Summary of change Personal data. We will not pay claims relating to personal data. We will pay such claims where they arise from your performance ofa business activity and which is not otherwise excluded. Subject to the limit shown in the schedule.Covered Not covered Other important changes Control of defence. Under the previous wording we had a duty to defend you against any covered claim brought against you. We now have the right but not the obligation to take control of the conduct of the claim including the appointment of legal representation. Please refer to the policy wording for full details. SOC-PROF-UK-MAN(1) 21367 01/21	minima-maiores-ad	(?<=Policy number - )[-\w_\/\.]+?(?= Company name)	2021-06-09	(?<=anniversary of your policy is approaching on )[-\w_\/\. ,]+?(?= \.)	null	null	Business	(?<=time to renew your Hiscox )[-\w_\/\. ]+?(?= Insurance)	2024-02-05
hiscox-business-1	Hiscox Business Insurance - Policy number - vr.sxrtas_jkobvq Company name: Coles PLC It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : vr.sxrtas_jkobvq. Company name: Coles PLC. Your Hiscox Insurance premium. Last year’s annual premium: This year’s annual premium. £ 156.18. £ 156.18. The premium includes all applicable insurance premium tax (IPT). Dear Miss Barbara Birch. Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 16/09/20 . Good news; if you want cover to continue with us and to make sure you stay protected by our award-winning cover, you do not need to do anything. We will update your policy onto our latest wording and continue to collect payment using the payment details we have for you. You must read the important information contained in this email and the attached documents. Your Hiscox Insurance Premium breakdown. The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). The amount shown as last year’s Annual premium will take into account any changes to the cover which may have been made during the last policy period. Cover. Last year’s annual premium (exc IPT). This year’s annual Premium (exc IPT). Professional indemnity. £5,929.20. £5,929.20. Legal protection. £5,571.33. £5,571.33. Crisis containment. £2,278.74. Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy . Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government increase in Insurance Premium Tax as shown. Is our information correct? Your premium and cover are based on what you’ve told us about Coles PLC , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay. . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover. Policy summary for each cover. ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover . As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before 16/09/20 . 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 : vr.sxrtas_jkobvq Company name: Coles PLC . It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : vr.sxrtas_jkobvq Company name: Coles PLC . Your Hiscox Insurance premium Last year’s annual premium: This year’s annual premium The premium includes all applicable insurance premium tax (IPT). £ 156.18 £ 156.18 . Your Hiscox Insurance premium . Last year’s annual premium: This year’s annual premium £ 156.18 £ 156.18 . The premium includes all applicable insurance premium tax (IPT). Dear Miss Barbara Birch . Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 16/09/20 . Good news; if you want cover to continue with us and to make sure you stay protected by our award-winning cover, you do not need to do anything. We will update your policy onto our latest wording and continue to collect payment using the payment details we have for you. You must read the important information contained in this email and the attached documents Your Hiscox Insurance Premium breakdown The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). The amount shown as last year’s Annual premium will take into account any changes to the cover which may have been made during the last policy period. Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) Professional indemnity £5,929.20 £5,929.20 Legal protection £5,571.33 £5,571.33 Crisis containment £2,278.74 Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government increase in Insurance Premium Tax as shown. Is our information correct? Your premium and cover are based on what you’ve told us about Coles PLC , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover Policy summary for each cover ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before 16/09/20 . 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 16/09/20 . Good news; if you want cover to continue with us and to make sure you stay protected by our award-winning cover, you do not need to do anything. We will update your policy onto our latest wording and continue to collect payment using the payment details we have for you. You must read the important information contained in this email and the attached documents Your Hiscox Insurance Premium breakdown The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). The amount shown as last year’s Annual premium will take into account any changes to the cover which may have been made during the last policy period. Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) Professional indemnity £5,929.20 £5,929.20 Legal protection £5,571.33 £5,571.33 Crisis containment £2,278.74 Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government increase in Insurance Premium Tax as shown. Is our information correct? Your premium and cover are based on what you’ve told us about Coles PLC , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover Policy summary for each cover ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before 16/09/20 . We’re here between 8:30am - 5:30pm Monday to Friday . Please note that we can only discuss policy changes with people named on the policy. Why renew with Hiscox - Reassuring: we offer a range of cover options that can be tailored to your needs - Flexible: we offer full flexibility to change your policy, with no administration fees - Award-winning cover : we’ve been named Best Small Business Insurer 7 years running by Start Your Business Magazine Please click this link for the Hiscox Referral Portal: https://refer.aklamio.com/hiscox/uk?source=postpurchase Thank you again for choosing Hiscox to insure your business. We hope you and your business have a very successful year. Kind regards Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Your Hiscox Insurance Premium breakdown The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). Cover Professional indemnity Legal protection Crisis containment . Last year’s annual premium (exc IPT) £5,929.20 £5,571.33 £2,278.74 . This year’s annual Premium (exc IPT) £5,929.20 £5,571.33 . Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) . Professional indemnity £5,929.20 £5,929.20 . Legal protection £5,571.33 £5,571.33 . Crisis containment £2,278.74 . Kind regards Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre . Kind regards . Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave . To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre . Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Page / 1 Hiscox Business Insurance Policy wording 17431a - DC565 WORDING 04/17Guide to sectionsIntroduction Policy wordings General terms and conditions Professional indemnity for business management consultants Legal protection Crisis containment Hiscox Business Insurance Policy wording 17431a - DC565 WORDING 04/17IntroductionThank you for choosing Hiscox to protect your business. We hope that the language and layout of this policy wording are clear because we want you to understand the insurance we provide as well as the responsibilities we have to each other. Please read this document, including the policy schedule, policy summary and statement of fact, and let us know as soon as possible if any of the details are shown incorrectly. We always try to deliver to the highest standards of service. Your views are important to us, so if you feel that our service is below the standard you would expect from Hiscox, please contact us on the phone number shown in your policy schedule. Please note that some of the words we use in this insurance are shown in bold type. These words are defined in each section of the wording. Page / 1 Hiscox Insurance Payment schedule Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Thank you for continuing to pay for your policy by Direct Debit. Please check these details and let us know if anything is incorrect or if the schedule is not suitable. Your reference details Account holder name: Barbara Birch Frequency of collection: Annual Sort code: %BANK_SORT_CODE_1% Account number: %BANK_ACCOUNT_NUMBER_1% Your Direct Debit schedule We will take payments on the dates outlined below: Date Amount 08/11/2021 £156.18 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: vr.sxrtas_jkobvq If you have any questions about your policy or payments, please call us on 0800 280 0351. We’re here between 8:30am - 5:30pm Monday to Friday or you can email us at service@hiscox.co.uk. Using your personal information Hiscox isa trading name ofa number of Hiscox companies. The specific company acting asa data controller of your personal information will be listed in the documentation we provide to you. If you are unsure you can also contact us at anytime by telephoning 01904 681198 or by emailing us at dataprotectionofficer@hiscox.com. We collect and process information about you in order to provide insurance policies and to process claims. Your information is also used for business purposes such as fraud prevention and detection and financial management. This may involve sharing your information with, and obtaining information about you from, our group companies and third parties such as brokers, loss adjusters, credit reference agencies, service providers, professional advisors, our regulators or fraud prevention agencies. We may record telephone calls to help us monitor and improve the service we provide. For further information on how your information is used and your rights in relation to your information please see our privacy policy at www.hiscox.co.uk/cookies-privacy. The Direct Debit Guarantee This Guarantee is offered by all banks and building societies that accept instructions to pay Direct Debits. If there are any changes to the amount, date or frequency of your Direct Debit Hiscox Underwriting Ltd will notify you ten working days in advance of your account being debited or as otherwise agreed. If you request Hiscox Underwriting Ltd to collect a payment, confirmation of the amount and date will be given to you at the time of the request. If an error is made in the payment of your Direct Debit by Hiscox Underwriting Ltd or your bank or building society you are entitled to a full and immediate refund of the amount paid from your bank or building society. – If you receive a refund you are not entitled to, you must pay it back when Hiscox Underwriting Ltd asks you to. You can cancel a Direct Debit at anytime by simply contacting your bank or building society. Written confirmation maybe required. Please also notify us. Page / 1 Hiscox Business Insurance Policy summary JAC-PSC-UK-DC556(5.4) 17431b 07/20 Your Hiscox Business Insurance policy summaries This document contains the summaries for any policy covers you have selected to protect your business. These summaries outline the key information about your policies so you can be confident that you have understood what you have bought and what you are covered for. However, you should carefully read your policy in full and ensure that you understand its terms and conditions in full. If you have any queries, you should contact Hiscox or your insurance advisor. Your side of the bargain Remember, your premium and insurance are based on the details you have provided to us. Please make sure this information accurately reflects your business and that you inform us immediately if anything needs to change. Please also tell us of any changes in circumstances that may affect the services provided by us or the cover provided by your policy. This is particularly important before taking out a policy, but it also applies throughout the life of the policy too. You need to consider: ■if you fail to fairly present the risk to us, including by failing to disclose any information material to the insurance, you could invalidate the policy, claims may not be paid or the amount we pay maybe reduced; ■you should read and check all insurance documents to ensure that you are aware of the cover, limits and other terms that apply; ■if you fail to let us know of any changes to your circumstances during the period of insurance or, if when telling us about such changes you fail to present the risk to us fairly, you could invalidate the policy, claims may not be paid or the amount we pay maybe reduced; ■please be aware of all terms and conditions of your policy because failure to comply with them could invalidate it or result in us not paying a claim or reducing the amount we pay; ■in the event ofa claim, you should take note of the required procedures, such as giving Hiscox prompt notice of the claims, as stated in the policy documentation. In particular, if you fail to notify us when you first become aware ofa shortcoming, fact, or problem, admit you are liable for what has happened or appoint solicitors or other legal representation without our prior written approval, claims or defence costs may not be paid or the amount we pay maybe reduced; ■as with any insurance, you have an obligation to take reasonable steps to mitigate any loss or liability; ■if you make a fraudulent claim or try to deceive us, we may terminate the policy. Policy length The period of insurance is shown on your policy schedule. Your policy schedule will also show if the policy is ona continuing cover basis. If itis ona continuing cover basis, we will renew your policy each year for another 12 months and continue to take payment (including any premium adjustment shown in your renewal invitation) using your existing arrangement, unless you tell us otherwise or if your risk changes. If your policy schedule does not show that the policy is ona continuing cover basis, cover will cease at the end of the period of insurance, unless you renew your policy with us. We will provide you witha statement of fact each year and provided that the information contained within the statement of fact is true, complete and accurate, you do not need to provide us with any further information. If any of the information in your statement of fact is not true, complete and accurate, you must let us know. If you do not let us know, it may affect the validity of the policy or our ability to pay a claim. Retroactive dates, geographical and jurisdiction limits Where any section of your policy schedule includes a retroactive date, we will not make any payment for any claim or loss under that section which arises from any activity performed or any act, incident or occurrence taking place, before the retroactive date. Where any section of your policy schedule shows the geographical limits which apply to that section of the policy, we will only pay for claims and losses under that section which arise from activities performed or acts, incidents or occurrences taking place within those geographical limits. Where any section provides cover in respect of your liability to third parties, we will only cover claims first made ina country within the applicable courts stated in that section of your policy schedule. Hiscox Business Insurance Policy summary JAC-PSC-UK-DC556(5.4) 17431b 07/20 Cancellation rights You can cancel this policy by giving us 30 days' notice. You will only be charged for the premiums due up to the date of cancellation. If we need to cancel the policy, we’ll give you 30 days’ notice in writing and refund any surplus premiums you might have paid. Please note – we may deduct an administration fee from any refunded payment.There is an exception to our 30-day notice period, which is triggered when we don’t receive your Direct Debit payments within the agreed 14-day period. At this point, we will contact you as soon as possible and stop the policyPage / 2 immediately. Underwritten by:Hiscox Underwriting Ltd on behalf of the insurers named in the schedule. Page / 1 Certificate of professional indemnity insurance Coles 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:vr.sxrtas_jkobvq Name of policy holder:Coles PLC Period of insurance: From 16/09/20 to 01/07/19 both days inclusive. This policy isa Continuing cover policy Insurer: Hiscox Insurance Company Limited Retroactive date: 27/11/2021 Level of cover:£1,000,000 Signed on behalf of Hiscox Underwriting Limited as agent for the insurers Jon Dye CEO, Hiscox UK Notes: (a) This insurance is subject to policy terms and conditions and any special terms notified to the InsuredPage / 1 Hiscox Business Insurance Policy Schedule 14502 10/18 This schedule tells you what is insured with us. It should be read carefully with your policy wording(s) and statement of fact detailed elsewhere in this document. Schedule effective date: 16/09/20 Insurance details Policy number: vr.sxrtas_jkobvq Period of insurance: From 16/09/20 to 01/07/19 both days inclusive. This policy isa Continuing cover policy. Insured: Coles PLC Address: 913 Hewitt mountain Jenkinschester FARNHAM L90 9JL Additional insureds: None Business: Management Consultants Premium details Charged premium – the total amount you’ll pay for this policy. Charged premium: £5,336.06 Insurance Premium Tax (IPT): £9,403.26 Total charged premium: £156.18 Annualised premium – the annual premium for this policy. This is given for comparison purposes. Please refer to the charged premium section for the amount you’ll pay for the policy. Annual premium: £5,336.06 Insurance Premium Tax (IPT): £9,403.26 Annual total: £156.18 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 £5,929.20 Legal protection £100,000 £0 £5,571.33 Crisis containment £25,000 - £2,278.74 The figures above are in summary only and are not in addition to the amount insured specified against each cover section below. Hiscox Business Insurance Policy Schedule 14502 10/18 SECTION: PROFESSIONAL INDEMNITY – MANAGEMENT CONSULTANTS Cover start date: 16/09/20 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 dataPage / 2 claims £250,000 in the aggregate, including all costs Business activities Business management consultant Retroactive date 27/11/2021 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	vr.sxrtas_jkobvq	(?<=Policy number - )[-\w_\/\.]+?(?= Company name)	16/09/20	(?<=anniversary of your policy is approaching on )[-\w_\/\. ,]+?(?= \.)	null	null	Business	(?<=time to renew your Hiscox )[-\w_\/\. ]+?(?= Insurance)	2024-02-05
hiscox-business-1	Hiscox Business Insurance - Policy number - EOYAOSDFPWNV Company name: Hudson, Reid and Welch It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : EOYAOSDFPWNV. Company name: Hudson, Reid and Welch. Your Hiscox Insurance premium. Last year’s annual premium: This year’s annual premium. £ 5,910.32. £ 5,910.32. The premium includes all applicable insurance premium tax (IPT). Dear Miss Teresa Warner-Quinn. Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 26 October, 2024 . Good news; if you want cover to continue with us and to make sure you stay protected by our award-winning cover, you do not need to do anything. We will update your policy onto our latest wording and continue to collect payment using the payment details we have for you. You must read the important information contained in this email and the attached documents. Your Hiscox Insurance Premium breakdown. The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). The amount shown as last year’s Annual premium will take into account any changes to the cover which may have been made during the last policy period. Cover. Last year’s annual premium (exc IPT). This year’s annual Premium (exc IPT). Professional indemnity. £8,696.71. £8,696.71. Legal protection. £3,687.01. £3,687.01. Crisis containment. £182.90. Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy . Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government 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, Reid and Welch , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay. . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover. Policy summary for each cover. ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover . As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before 26 October, 2024 . We’re here between 8:30am - 5:30pm Monday to Friday . Please note that we can only discuss policy changes with people named on the policy. Why renew with Hiscox. - Reassuring: we offer a range of cover options that can be tailored to your needs. - Flexible: we offer full flexibility to change your policy, with no administration fees . - Award-winning cover : we’ve been named Best Small Business Insurer 7 years running by Start Your Business Magazine . Please click this link for the Hiscox Referral Portal: https://refer.aklamio.com/hiscox/uk?source=postpurchase. Thank you again for choosing Hiscox to insure your business. We hope you and your business have a very successful year. Kind regards. Jon Dye. CEO, Hiscox UK. Business Insurance for the small and the brave. To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre. Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. This email and any files transmitted with it are confidential and intended solely for the use of the individual or entity to whom they are addressed. No one else is authorised to distribute, forward, print, copy or act upon any information contained in this email. If you have received this email in error, please notify the sender. Hiscox Syndicates Limited and Hiscox Insurance Company Limited are authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Hiscox Underwriting Limited, Hiscox Underwriting Services Ltd, Hiscox MGA Ltd and Hiscox ASM Ltd are authorised and regulated by the Financial Conduct Authority. Hiscox Assure SAS is duly registered as an insurance broker with the ORIAS, which is the French Official Registry of Insurance Intermediaries. Hiscox plc is a company registered in England and Wales under company registration number 2837811 and registered office at 1 Great St Helen's, London EC3A 6HX. Hiscox SA is a company registered in Luxembourg at 35 Avenue John F. Kennedy 35F, Luxembourg L-1855, and is authorised by the Commissariat aux Assurances de Luxembourg. It’s time to renew your Hiscox Business Insurance Hiscox Insurance policy number : EOYAOSDFPWNV Company name: Hudson, Reid and Welch . It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : EOYAOSDFPWNV Company name: Hudson, Reid and Welch . Your Hiscox Insurance premium Last year’s annual premium: This year’s annual premium The premium includes all applicable insurance premium tax (IPT). £ 5,910.32 £ 5,910.32 . Your Hiscox Insurance premium . Last year’s annual premium: This year’s annual premium £ 5,910.32 £ 5,910.32 . The premium includes all applicable insurance premium tax (IPT). Dear Miss Teresa Warner-Quinn . Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 26 October, 2024 . Good news; if you want cover to continue with us and to make sure you stay protected by our award-winning cover, you do not need to do anything. We will update your policy onto our latest wording and continue to collect payment using the payment details we have for you. You must read the important information contained in this email and the attached documents Your Hiscox Insurance Premium breakdown The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). The amount shown as last year’s Annual premium will take into account any changes to the cover which may have been made during the last policy period. Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) Professional indemnity £8,696.71 £8,696.71 Legal protection £3,687.01 £3,687.01 Crisis containment £182.90 Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government 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, Reid and Welch , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover Policy summary for each cover ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before 26 October, 2024 . We’re here between 8:30am - 5:30pm Monday to Friday . Please note that we can only discuss policy changes with people named on the policy. Why renew with Hiscox - Reassuring: we offer a range of cover options that can be tailored to your needs - Flexible: we offer full flexibility to change your policy, with no administration fees - Award-winning cover : we’ve been named Best Small Business Insurer 7 years running by Start Your Business Magazine Please click this link for the Hiscox Referral Portal: https://refer.aklamio.com/hiscox/uk?source=postpurchase Thank you again for choosing Hiscox to insure your business. We hope you and your business have a very successful year. Kind regards Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 26 October, 2024 . Good news; if you want cover to continue with us and to make sure you stay protected by our award-winning cover, you do not need to do anything. We will update your policy onto our latest wording and continue to collect payment using the payment details we have for you. You must read the important information contained in this email and the attached documents Your Hiscox Insurance Premium breakdown The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). The amount shown as last year’s Annual premium will take into account any changes to the cover which may have been made during the last policy period. Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) Professional indemnity £8,696.71 £8,696.71 Legal protection £3,687.01 £3,687.01 Crisis containment £182.90 Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government 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, Reid and Welch , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover Policy summary for each cover ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before 26 October, 2024 . We’re here between 8:30am - 5:30pm Monday to Friday . Please note that we can only discuss policy changes with people named on the policy. Why renew with Hiscox - Reassuring: we offer a range of cover options that can be tailored to your needs - Flexible: we offer full flexibility to change your policy, with no administration fees - Award-winning cover : we’ve been named Best Small Business Insurer 7 years running by Start Your Business Magazine Please click this link for the Hiscox Referral Portal: https://refer.aklamio.com/hiscox/uk?source=postpurchase Thank you again for choosing Hiscox to insure your business. We hope you and your business have a very successful year. Kind regards Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Your Hiscox Insurance Premium breakdown The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). Cover Professional indemnity Legal protection Crisis containment . Last year’s annual premium (exc IPT) £8,696.71 £3,687.01 £182.90 . This year’s annual Premium (exc IPT) £8,696.71 £3,687.01 . Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) . Professional indemnity £8,696.71 £8,696.71 . Legal protection £3,687.01 £3,687.01 . Crisis containment £182.90 . Kind regards Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre . Kind regards . Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave . To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre . Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Page / 1 Hiscox Business Insurance Policy wording 17431a - DC565 WORDING 04/17Guide to sectionsIntroduction Policy wordings General terms and conditions Professional indemnity for business management consultants Legal protection Crisis containment Hiscox Business Insurance Policy wording 17431a - DC565 WORDING 04/17IntroductionThank you for choosing Hiscox to protect your business. We hope that the language and layout of this policy wording are clear because we want you to understand the insurance we provide as well as the responsibilities we have to each other. Please read this document, including the policy schedule, policy summary and statement of fact, and let us know as soon as possible if any of the details are shown incorrectly. We always try to deliver to the highest standards of service. Your views are important to us, so if you feel that our service is below the standard you would expect from Hiscox, please contact us on the phone number shown in your policy schedule. Please note that some of the words we use in this insurance are shown in bold type. These words are defined in each section of the wording. Page / 1 Hiscox Insurance Payment schedule Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Thank you for continuing to pay for your policy by Direct Debit. Please check these details and let us know if anything is incorrect or if the schedule is not suitable. Your reference details Account holder name: Teresa Warner-Quinn Frequency of collection: Annual Sort code: %BANK_SORT_CODE_1% Account number: %BANK_ACCOUNT_NUMBER_1% Your Direct Debit schedule We will take payments on the dates outlined below: Date Amount Wednesday 01 March, 2023 £5,910.32 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: EOYAOSDFPWNV If you have any questions about your policy or payments, please call us on 0800 280 0351. We’re here between 8:30am - 5:30pm Monday to Friday or you can email us at service@hiscox.co.uk. Using your personal information Hiscox isa trading name ofa number of Hiscox companies. The specific company acting asa data controller of your personal information will be listed in the documentation we provide to you. If you are unsure you can also contact us at anytime by telephoning 01904 681198 or by emailing us at dataprotectionofficer@hiscox.com. We collect and process information about you in order to provide insurance policies and to process claims. Your information is also used for business purposes such as fraud prevention and detection and financial management. This may involve sharing your information with, and obtaining information about you from, our group companies and third parties such as brokers, loss adjusters, credit reference agencies, service providers, professional advisors, our regulators or fraud prevention agencies. We may record telephone calls to help us monitor and improve the service we provide. For further information on how your information is used and your rights in relation to your information please see our privacy policy at www.hiscox.co.uk/cookies-privacy. The Direct Debit Guarantee This Guarantee is offered by all banks and building societies that accept instructions to pay Direct Debits. If there are any changes to the amount, date or frequency of your Direct Debit Hiscox Underwriting Ltd will notify you ten working days in advance of your account being debited or as otherwise agreed. If you request Hiscox Underwriting Ltd to collect a payment, confirmation of the amount and date will be given to you at the time of the request. If an error is made in the payment of your Direct Debit by Hiscox Underwriting Ltd or your bank or building society you are entitled to a full and immediate refund of the amount paid from your bank or building society. – If you receive a refund you are not entitled to, you must pay it back when Hiscox Underwriting Ltd asks you to. You can cancel a Direct Debit at anytime by simply contacting your bank or building society. Written confirmation maybe required. Please also notify us. Page / 1 Hiscox Business Insurance Policy summary JAC-PSC-UK-DC556(5.4) 17431b 07/20 Your Hiscox Business Insurance policy summaries This document contains the summaries for any policy covers you have selected to protect your business. These summaries outline the key information about your policies so you can be confident that you have understood what you have bought and what you are covered for. However, you should carefully read your policy in full and ensure that you understand its terms and conditions in full. If you have any queries, you should contact Hiscox or your insurance advisor. Your side of the bargain Remember, your premium and insurance are based on the details you have provided to us. Please make sure this information accurately reflects your business and that you inform us immediately if anything needs to change. Please also tell us of any changes in circumstances that may affect the services provided by us or the cover provided by your policy. This is particularly important before taking out a policy, but it also applies throughout the life of the policy too. You need to consider: ■if you fail to fairly present the risk to us, including by failing to disclose any information material to the insurance, you could invalidate the policy, claims may not be paid or the amount we pay maybe reduced; ■you should read and check all insurance documents to ensure that you are aware of the cover, limits and other terms that apply; ■if you fail to let us know of any changes to your circumstances during the period of insurance or, if when telling us about such changes you fail to present the risk to us fairly, you could invalidate the policy, claims may not be paid or the amount we pay maybe reduced; ■please be aware of all terms and conditions of your policy because failure to comply with them could invalidate it or result in us not paying a claim or reducing the amount we pay; ■in the event ofa claim, you should take note of the required procedures, such as giving Hiscox prompt notice of the claims, as stated in the policy documentation. In particular, if you fail to notify us when you first become aware ofa shortcoming, fact, or problem, admit you are liable for what has happened or appoint solicitors or other legal representation without our prior written approval, claims or defence costs may not be paid or the amount we pay maybe reduced; ■as with any insurance, you have an obligation to take reasonable steps to mitigate any loss or liability; ■if you make a fraudulent claim or try to deceive us, we may terminate the policy. Policy length The period of insurance is shown on your policy schedule. Your policy schedule will also show if the policy is ona continuing cover basis. If itis ona continuing cover basis, we will renew your policy each year for another 12 months and continue to take payment (including any premium adjustment shown in your renewal invitation) using your existing arrangement, unless you tell us otherwise or if your risk changes. If your policy schedule does not show that the policy is ona continuing cover basis, cover will cease at the end of the period of insurance, unless you renew your policy with us. We will provide you witha statement of fact each year and provided that the information contained within the statement of fact is true, complete and accurate, you do not need to provide us with any further information. If any of the information in your statement of fact is not true, complete and accurate, you must let us know. If you do not let us know, it may affect the validity of the policy or our ability to pay a claim. Retroactive dates, geographical and jurisdiction limits Where any section of your policy schedule includes a retroactive date, we will not make any payment for any claim or loss under that section which arises from any activity performed or any act, incident or occurrence taking place, before the retroactive date. Where any section of your policy schedule shows the geographical limits which apply to that section of the policy, we will only pay for claims and losses under that section which arise from activities performed or acts, incidents or occurrences taking place within those geographical limits. Where any section provides cover in respect of your liability to third parties, we will only cover claims first made ina country within the applicable courts stated in that section of your policy schedule. Hiscox Business Insurance Policy summary JAC-PSC-UK-DC556(5.4) 17431b 07/20 Cancellation rights You can cancel this policy by giving us 30 days' notice. You will only be charged for the premiums due up to the date of cancellation. If we need to cancel the policy, we’ll give you 30 days’ notice in writing and refund any surplus premiums you might have paid. Please note – we may deduct an administration fee from any refunded payment.There is an exception to our 30-day notice period, which is triggered when we don’t receive your Direct Debit payments within the agreed 14-day period. At this point, we will contact you as soon as possible and stop the 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, Reid and Welch Hiscox Underwriting Ltd of 1 Great St. Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Certificate of professional indemnity Insurance Policy number:EOYAOSDFPWNV Name of policy holder:Hudson, Reid and Welch Period of insurance: From 26 October, 2024 to 2022-05-12 both days inclusive. This policy isa Continuing cover policy Insurer: Hiscox Insurance Company Limited Retroactive date: Thursday 29 September, 2022 Level of cover:£1,000,000 Signed on behalf of Hiscox Underwriting Limited as agent for the insurers Jon Dye CEO, Hiscox UK Notes: (a) This insurance is subject to policy terms and conditions and any special terms notified to the InsuredPage / 1 Hiscox Business Insurance Policy Schedule 14502 10/18 This schedule tells you what is insured with us. It should be read carefully with your policy wording(s) and statement of fact detailed elsewhere in this document. Schedule effective date: 26 October, 2024 Insurance details Policy number: EOYAOSDFPWNV Period of insurance: From 26 October, 2024 to 2022-05-12 both days inclusive. This policy isa Continuing cover policy. Insured: Hudson, Reid and Welch Address: 45 Denis freeway West Bethanyhaven FARNHAM W72 2GL Additional insureds: None Business: Management Consultants Premium details Charged premium – the total amount you’ll pay for this policy. Charged premium: £6,077.95 Insurance Premium Tax (IPT): £4,820.10 Total charged premium: £5,910.32 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: £6,077.95 Insurance Premium Tax (IPT): £4,820.10 Annual total: £5,910.32 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 £8,696.71 Legal protection £100,000 £0 £3,687.01 Crisis containment £25,000 - £182.90 The figures above are in summary only and are not in addition to the amount insured specified against each cover section below. Hiscox Business Insurance Policy Schedule 14502 10/18 SECTION: PROFESSIONAL INDEMNITY – MANAGEMENT CONSULTANTS Cover start date: 26 October, 2024 Limit of indemnity £1,000,000 Limit applies to in the aggregate, including all costs Excess £1,000 Excess applies to each and every claim or loss, including all costs Geographical limits Worldwide Applicable courts Worldwide (excluding United States of America and Canada) Claims brought in USA or Canada Not covered Additional covers (in addition to overall limit of indemnity stated above) Cover Limit of indemnity Limit applies to Court attendance compensation - employees £250 per person, per day Court attendance compensation - directors and partners£500 per person, per day Court attendance compensation: in total £100,000 in the aggregate Special limits (included within not in addition to the overall limit of indemnity stated above) Cover Limit of indemnity Limit applies to Personal dataPage / 2 claims £250,000 in the aggregate, including all costs Business activities Business management consultant Retroactive date Thursday 29 September, 2022 Insurer Hiscox Insurance Company LimitedPage / 1 Hiscox Insurance Summary of change Introduction This document has been created to help you understand the key changes to your Hiscox Insurance policy and how they may impact you. Your policy continues to offer professional, tailored insurance to protect you and give you peace of mind that if you need us, you will be supported by our award winning claims team. If you have a query not covered by this document, or if you have any questions or concerns about your policy you should contact us. Frequently asked questions What if my circumstances change during the period of insurance? If your circumstances change during the period of insurance, you only need to let us know if the change means that any of the information in the Statement of Fact is no longer true, complete and accurate. If there are no such changes, you do not need to let us know. If any of the information within the Statement of Fact becomes no longer complete, true or accurate at any point during the period of insurance you must tell us as it may affect the validity of the policy or our ability to pay a claim. Additionally, if your contact details change then you should let us know straightaway. Where doI find the limits that apply to my policy? You can find your maximum allowable limits for turnover and wage rollin your Statement of Fact. You must check this information and tell us or your broker if you expect to exceed the maximum amounts shown. Please note these values may have changed. If there are special limits or special excesses applying to particular covers or types of losses these will be shown in the policy schedule. Please check your policy schedule carefully as they may have changed. My new schedule shows a different premium to last year? What has changed? If an underwriter has reviewed your policy then they may have manually adjusted your premium, for example if you’ve had claims in the last 12 months. Where doI find out about any endorsements on my policy? You will be able to see if an endorsement has been applied or removed by reviewing your Policy Schedule. If you have any queries or concerns, please contact us or your broker if you have one. Hiscox Insurance Summary of change Professional indemnity for business management consultants Summary of change Changes to the cover The following table shows the differences between our new policy wordings (5570 WD- PROF-UK-MAN(7), 15579 WD-PROF-UK-MAN-AG(3)) and our previous wordings (5570 WD-PROF-UK-MAN(6), 15579 WD-PROF-UK-MAN-AG(2)). This isa summary of the changes only. You should refer to the schedule and policy wording for the full description of the cover in place. Area of cover Previous policy New policy Improvement in cover Claims against you Advertising claims. We will pay claims arising from your advertising or branding for defamation or infringement of copyright or moral rights. This does not include claims for passing off, unauthorised use of trademarks or false or misleading advertising. Previously cover was not restricted to defamation or the infringement of copyright or moral rights.Covered Amended Your own lossesChanges to ‘what is covered’ Losses from dishonesty. Your losses arising from the dishonesty of your employees, sub-contractors or outsourcers.Covered Not covered Area of cover Previous policy New policy Improvement in cover Cyber incident. We will not pay claims relating to an actual or possible cyber attack, hacker or social engineering communication. Previously we excluded any virus not specifically targeted at your system.Covered Not covered Computer or digital technology error. We will not pay claims arising from any negligent act, error or omission in the operation or maintenance of computer or digital technology such as development, installation, patching or upgrading.Covered Not coveredChanges to ‘what is not covered’ Infrastructure. We will not pay claims arising from the failure of the service provided by internet, telecommunications, utilities or other infrastructure providers.Covered Not covered Hiscox Insurance Summary of change Personal data. We will not pay claims relating to personal data. We will pay such claims where they arise from your performance ofa business activity and which is not otherwise excluded. Subject to the limit shown in the schedule.Covered Not covered Other important changes Control of defence. Under the previous wording we had a duty to defend you against any covered claim brought against you. We now have the right but not the obligation to take control of the conduct of the claim including the appointment of legal representation. Please refer to the policy wording for full details. SOC-PROF-UK-MAN(1) 21367 01/21	EOYAOSDFPWNV	(?<=Policy number - )[-\w_\/\.]+?(?= Company name)	26 October, 2024	(?<=anniversary of your policy is approaching on )[-\w_\/\. ,]+?(?= \.)	null	null	Business	(?<=time to renew your Hiscox )[-\w_\/\. ]+?(?= Insurance)	2024-02-05
hiscox-business-1	Hiscox Business Insurance - Policy number - DUYRGGW-GNSHQ_TBXWAE Company name: Buckley-Mills It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : DUYRGGW-GNSHQ_TBXWAE. Company name: Buckley-Mills. Your Hiscox Insurance premium. Last year’s annual premium: This year’s annual premium. £ 811.37. £ 811.37. The premium includes all applicable insurance premium tax (IPT). Dear Miss Scott Hopkins. Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on Thu 23 May, 2024 . Good news; if you want cover to continue with us and to make sure you stay protected by our award-winning cover, you do not need to do anything. We will update your policy onto our latest wording and continue to collect payment using the payment details we have for you. You must read the important information contained in this email and the attached documents. Your Hiscox Insurance Premium breakdown. The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). The amount shown as last year’s Annual premium will take into account any changes to the cover which may have been made during the last policy period. Cover. Last year’s annual premium (exc IPT). This year’s annual Premium (exc IPT). Professional indemnity. £5,066.09. £5,066.09. Legal protection. £2,526.00. £2,526.00. Crisis containment. £419.03. Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy . Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government increase in Insurance Premium Tax as shown. Is our information correct? Your premium and cover are based on what you’ve told us about Buckley-Mills , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay. . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover. Policy summary for each cover. ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover . As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, 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 23 May, 2024 . We’re here between 8:30am - 5:30pm Monday to Friday . Please note that we can only discuss policy changes with people named on the policy. Why renew with Hiscox. - Reassuring: we offer a range of cover options that can be tailored to your needs. - Flexible: we offer full flexibility to change your policy, with no administration fees . - Award-winning cover : we’ve been named Best Small Business Insurer 7 years running by Start Your Business Magazine . Please click this link for the Hiscox Referral Portal: https://refer.aklamio.com/hiscox/uk?source=postpurchase. Thank you again for choosing Hiscox to insure your business. We hope you and your business have a very successful year. Kind regards. Jon Dye. CEO, Hiscox UK. Business Insurance for the small and the brave. To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre. Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. This email and any files transmitted with it are confidential and intended solely for the use of the individual or entity to whom they are addressed. No one else is authorised to distribute, forward, print, copy or act upon any information contained in this email. If you have received this email in error, please notify the sender. Hiscox Syndicates Limited and Hiscox Insurance Company Limited are authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Hiscox Underwriting Limited, Hiscox Underwriting Services Ltd, Hiscox MGA Ltd and Hiscox ASM Ltd are authorised and regulated by the Financial Conduct Authority. Hiscox Assure SAS is duly registered as an insurance broker with the ORIAS, which is the French Official Registry of Insurance Intermediaries. Hiscox plc is a company registered in England and Wales under company registration number 2837811 and registered office at 1 Great St Helen's, London EC3A 6HX. Hiscox SA is a company registered in Luxembourg at 35 Avenue John F. Kennedy 35F, Luxembourg L-1855, and is authorised by the Commissariat aux Assurances de Luxembourg. It’s time to renew your Hiscox Business Insurance Hiscox Insurance policy number : DUYRGGW-GNSHQ_TBXWAE Company name: Buckley-Mills . It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : DUYRGGW-GNSHQ_TBXWAE Company name: Buckley-Mills . Your Hiscox Insurance premium Last year’s annual premium: This year’s annual premium The premium includes all applicable insurance premium tax (IPT). £ 811.37 £ 811.37 . Your Hiscox Insurance premium . Last year’s annual premium: This year’s annual premium £ 811.37 £ 811.37 . The premium includes all applicable insurance premium tax (IPT). Dear Miss Scott Hopkins . Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on Thu 23 May, 2024 . Good news; if you want cover to continue with us and to make sure you stay protected by our award-winning cover, you do not need to do anything. We will update your policy onto our latest wording and continue to collect payment using the payment details we have for you. You must read the important information contained in this email and the attached documents Your Hiscox Insurance Premium breakdown The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). The amount shown as last year’s Annual premium will take into account any changes to the cover which may have been made during the last policy period. Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) Professional indemnity £5,066.09 £5,066.09 Legal protection £2,526.00 £2,526.00 Crisis containment £419.03 Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government increase in Insurance Premium Tax as shown. Is our information correct? Your premium and cover are based on what you’ve told us about Buckley-Mills , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover Policy summary for each cover ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, 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 23 May, 2024 . We’re here between 8:30am - 5:30pm Monday to Friday . Please note that we can only discuss policy changes with people named on the policy. Why renew with Hiscox - Reassuring: we offer a range of cover options that can be tailored to your needs - Flexible: we offer full flexibility to change your policy, with no administration fees - Award-winning cover : we’ve been named Best Small Business Insurer 7 years running by Start Your Business Magazine Please click this link for the Hiscox Referral Portal: https://refer.aklamio.com/hiscox/uk?source=postpurchase Thank you again for choosing Hiscox to insure your business. We hope you and your business have a very successful year. Kind regards Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on Thu 23 May, 2024 . Good news; if you want cover to continue with us and to make sure you stay protected by our award-winning cover, you do not need to do anything. We will update your policy onto our latest wording and continue to collect payment using the payment details we have for you. You must read the important information contained in this email and the attached documents Your Hiscox Insurance Premium breakdown The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). The amount shown as last year’s Annual premium will take into account any changes to the cover which may have been made during the last policy period. Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) Professional indemnity £5,066.09 £5,066.09 Legal protection £2,526.00 £2,526.00 Crisis containment £419.03 Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government increase in Insurance Premium Tax as shown. Is our information correct? Your premium and cover are based on what you’ve told us about Buckley-Mills , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover Policy summary for each cover ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, 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 23 May, 2024 . We’re here between 8:30am - 5:30pm Monday to Friday . Please note that we can only discuss policy changes with people named on the policy. Why renew with Hiscox - Reassuring: we offer a range of cover options that can be tailored to your needs - Flexible: we offer full flexibility to change your policy, with no administration fees - Award-winning cover : we’ve been named Best Small Business Insurer 7 years running by Start Your Business Magazine Please click this link for the Hiscox Referral Portal: https://refer.aklamio.com/hiscox/uk?source=postpurchase Thank you again for choosing Hiscox to insure your business. We hope you and your business have a very successful year. Kind regards Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Your Hiscox Insurance Premium breakdown The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). Cover Professional indemnity Legal protection Crisis containment . Last year’s annual premium (exc IPT) £5,066.09 £2,526.00 £419.03 . This year’s annual Premium (exc IPT) £5,066.09 £2,526.00 . Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) . Professional indemnity £5,066.09 £5,066.09 . Legal protection £2,526.00 £2,526.00 . Crisis containment £419.03 . Kind regards Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre . Kind regards . Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave . To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre . Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Page / 1 Hiscox Business Insurance Policy wording 17431a - DC565 WORDING 04/17Guide to sectionsIntroduction Policy wordings General terms and conditions Professional indemnity for business management consultants Legal protection Crisis containment Hiscox Business Insurance Policy wording 17431a - DC565 WORDING 04/17IntroductionThank you for choosing Hiscox to protect your business. We hope that the language and layout of this policy wording are clear because we want you to understand the insurance we provide as well as the responsibilities we have to each other. Please read this document, including the policy schedule, policy summary and statement of fact, and let us know as soon as possible if any of the details are shown incorrectly. We always try to deliver to the highest standards of service. Your views are important to us, so if you feel that our service is below the standard you would expect from Hiscox, please contact us on the phone number shown in your policy schedule. Please note that some of the words we use in this insurance are shown in bold type. These words are defined in each section of the wording. Page / 1 Hiscox Insurance Payment schedule Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Thank you for continuing to pay for your policy by Direct Debit. Please check these details and let us know if anything is incorrect or if the schedule is not suitable. Your reference details Account holder name: Scott Hopkins Frequency of collection: Annual Sort code: %BANK_SORT_CODE_1% Account number: %BANK_ACCOUNT_NUMBER_1% Your Direct Debit schedule We will take payments on the dates outlined below: Date Amount 29 April, 2024 £811.37 Where your chosen collection date falls ona non-working day then we will endeavour to collect the next working day. For your information, the collections will be made using the following reference number: Originator Identification Number: 293461 Reference Number: DUYRGGW-GNSHQ_TBXWAE If you have any questions about your policy or payments, please call us on 0800 280 0351. We’re here between 8:30am - 5:30pm Monday to Friday or you can email us at service@hiscox.co.uk. Using your personal information Hiscox isa trading name ofa number of Hiscox companies. The specific company acting asa data controller of your personal information will be listed in the documentation we provide to you. If you are unsure you can also contact us at anytime by telephoning 01904 681198 or by emailing us at dataprotectionofficer@hiscox.com. We collect and process information about you in order to provide insurance policies and to process claims. Your information is also used for business purposes such as fraud prevention and detection and financial management. This may involve sharing your information with, and obtaining information about you from, our group companies and third parties such as brokers, loss adjusters, credit reference agencies, service providers, professional advisors, our regulators or fraud prevention agencies. We may record telephone calls to help us monitor and improve the service we provide. For further information on how your information is used and your rights in relation to your information please see our privacy policy at www.hiscox.co.uk/cookies-privacy. The Direct Debit Guarantee This Guarantee is offered by all banks and building societies that accept instructions to pay Direct Debits. If there are any changes to the amount, date or frequency of your Direct Debit Hiscox Underwriting Ltd will notify you ten working days in advance of your account being debited or as otherwise agreed. If you request Hiscox Underwriting Ltd to collect a payment, confirmation of the amount and date will be given to you at the time of the request. If an error is made in the payment of your Direct Debit by Hiscox Underwriting Ltd or your bank or building society you are entitled to a full and immediate refund of the amount paid from your bank or building society. – If you receive a refund you are not entitled to, you must pay it back when Hiscox Underwriting Ltd asks you to. You can cancel a Direct Debit at anytime by simply contacting your bank or building society. Written confirmation maybe required. Please also notify us. Page / 1 Hiscox Business Insurance Policy summary JAC-PSC-UK-DC556(5.4) 17431b 07/20 Your Hiscox Business Insurance policy summaries This document contains the summaries for any policy covers you have selected to protect your business. These summaries outline the key information about your policies so you can be confident that you have understood what you have bought and what you are covered for. However, you should carefully read your policy in full and ensure that you understand its terms and conditions in full. If you have any queries, you should contact Hiscox or your insurance advisor. Your side of the bargain Remember, your premium and insurance are based on the details you have provided to us. Please make sure this information accurately reflects your business and that you inform us immediately if anything needs to change. Please also tell us of any changes in circumstances that may affect the services provided by us or the cover provided by your policy. This is particularly important before taking out a policy, but it also applies throughout the life of the policy too. You need to consider: ■if you fail to fairly present the risk to us, including by failing to disclose any information material to the insurance, you could invalidate the policy, claims may not be paid or the amount we pay maybe reduced; ■you should read and check all insurance documents to ensure that you are aware of the cover, limits and other terms that apply; ■if you fail to let us know of any changes to your circumstances during the period of insurance or, if when telling us about such changes you fail to present the risk to us fairly, you could invalidate the policy, claims may not be paid or the amount we pay maybe reduced; ■please be aware of all terms and conditions of your policy because failure to comply with them could invalidate it or result in us not paying a claim or reducing the amount we pay; ■in the event ofa claim, you should take note of the required procedures, such as giving Hiscox prompt notice of the claims, as stated in the policy documentation. In particular, if you fail to notify us when you first become aware ofa shortcoming, fact, or problem, admit you are liable for what has happened or appoint solicitors or other legal representation without our prior written approval, claims or defence costs may not be paid or the amount we pay maybe reduced; ■as with any insurance, you have an obligation to take reasonable steps to mitigate any loss or liability; ■if you make a fraudulent claim or try to deceive us, we may terminate the policy. Policy length The period of insurance is shown on your policy schedule. Your policy schedule will also show if the policy is ona continuing cover basis. If itis ona continuing cover basis, we will renew your policy each year for another 12 months and continue to take payment (including any premium adjustment shown in your renewal invitation) using your existing arrangement, unless you tell us otherwise or if your risk changes. If your policy schedule does not show that the policy is ona continuing cover basis, cover will cease at the end of the period of insurance, unless you renew your policy with us. We will provide you witha statement of fact each year and provided that the information contained within the statement of fact is true, complete and accurate, you do not need to provide us with any further information. If any of the information in your statement of fact is not true, complete and accurate, you must let us know. If you do not let us know, it may affect the validity of the policy or our ability to pay a claim. Retroactive dates, geographical and jurisdiction limits Where any section of your policy schedule includes a retroactive date, we will not make any payment for any claim or loss under that section which arises from any activity performed or any act, incident or occurrence taking place, before the retroactive date. Where any section of your policy schedule shows the geographical limits which apply to that section of the policy, we will only pay for claims and losses under that section which arise from activities performed or acts, incidents or occurrences taking place within those geographical limits. Where any section provides cover in respect of your liability to third parties, we will only cover claims first made ina country within the applicable courts stated in that section of your policy schedule. Hiscox Business Insurance Policy summary JAC-PSC-UK-DC556(5.4) 17431b 07/20 Cancellation rights You can cancel this policy by giving us 30 days' notice. You will only be charged for the premiums due up to the date of cancellation. If we need to cancel the policy, we’ll give you 30 days’ notice in writing and refund any surplus premiums you might have paid. Please note – we may deduct an administration fee from any refunded payment.There is an exception to our 30-day notice period, which is triggered when we don’t receive your Direct Debit payments within the agreed 14-day period. At this point, we will contact you as soon as possible and stop the policyPage / 2 immediately. Underwritten by:Hiscox Underwriting Ltd on behalf of the insurers named in the schedule. Page / 1 Certificate of professional indemnity insurance Buckley-Mills Hiscox Underwriting Ltd of 1 Great St. Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Certificate of professional indemnity Insurance Policy number:DUYRGGW-GNSHQ_TBXWAE Name of policy holder:Buckley-Mills Period of insurance: From Thu 23 May, 2024 to Mon 31 May, 2021 both days inclusive. This policy isa Continuing cover policy Insurer: Hiscox Insurance Company Limited Retroactive date: 02 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: Thu 23 May, 2024 Insurance details Policy number: DUYRGGW-GNSHQ_TBXWAE Period of insurance: From Thu 23 May, 2024 to Mon 31 May, 2021 both days inclusive. This policy isa Continuing cover policy. Insured: Buckley-Mills Address: Studio 37 Jill crescent West Juneside FARNHAM W46 6LS Additional insureds: None Business: Management Consultants Premium details Charged premium – the total amount you’ll pay for this policy. Charged premium: £4,788.34 Insurance Premium Tax (IPT): £9,992.13 Total charged premium: £811.37 Annualised premium – the annual premium for this policy. This is given for comparison purposes. Please refer to the charged premium section for the amount you’ll pay for the policy. Annual premium: £4,788.34 Insurance Premium Tax (IPT): £9,992.13 Annual total: £811.37 Please note that there will be no refund or additional premium for any transaction which is less than £20 (excluding IPT). Hiscox Business Insurance Policy Schedule 14502 10/18 Summary Claims information If you need to make a claim: - For claims relating to your building or contents please contact our claims team on 0800 247 1902, 9.00am – 5:30pm Monday to Friday. If you wish to make a claim online, you can log most claims quickly and easily through our claims notification portal at https://claims.hiscox.co.uk/. Outside of normal business hours, if you require emergency assistance in relation to substantial damage to your property, you can speak to our 24-hour emergency assistance team using the telephone number above. Your policy schedule will state if property cover is included in your policy. Our out-of-hours emergency assistance team operate ona pay-and-claim basis and you will need to have credit card details available as appropriate. The team will then be able to direct you to essential tradesmen, emergency loss adjusters or disaster management companies in the event of substantial damage. - If there isa claim (or potential claim) against you bya third party, please email us at liability.claims@hiscox.com. If you need to speak to a member of the claims team urgently, please call our team on 0800 711 7156, 9.00am – 5:30pm Monday to Friday. If you wish to make a claim online, you can log most claims quickly and easily through our claims notification portal at https://claims.hiscox.co.uk/. You will need to provide your full name and contact details, the name of your business or organisation, your address and postcode, the policy reference and circumstances of the claim. The Important information and contact details section below contains additional information specific to the covers applicable to your policy. If you are unsure of who to contact please call our team on 0800 711 7156, 9.00am – 5:30pm Monday to Friday. They will ensure you get through to the correct claims team and let you know what actions you need to take. If anything happens that might be covered under the policy, you must comply with the obligations set out in General claims conditions, together with the obligations set out under Your obligations in the section or sections under which you are making the claim. Itis important that you read the policy for details of its terms in full. Your covers This isa summary of each section of your policy. See each section for cover details. Cover Insurance amount Excess Annual Premium (exc IPT) Professional indemnity £1,000,000 £1,000 £5,066.09 Legal protection £100,000 £0 £2,526.00 Crisis containment £25,000 - £419.03 The figures above are in summary only and are not in addition to the 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 23 May, 2024 Limit of indemnity £1,000,000 Limit applies to in the aggregate, including all costs Excess £1,000 Excess applies to each and every claim or loss, including all costs Geographical limits Worldwide Applicable courts Worldwide (excluding United States of America and Canada) Claims brought in USA or Canada Not covered Additional covers (in addition to overall limit of indemnity stated above) Cover Limit of indemnity Limit applies to Court attendance compensation - employees £250 per person, per day Court attendance compensation - directors and partners£500 per person, per day Court attendance compensation: in total £100,000 in the aggregate Special limits (included within not in addition to the overall limit of indemnity stated above) Cover Limit of indemnity Limit applies to Personal dataPage / 2 claims £250,000 in the aggregate, including all costs Business activities Business management consultant Retroactive date 02 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	DUYRGGW-GNSHQ_TBXWAE	(?<=Policy number - )[-\w_\/\.]+?(?= Company name)	Thu 23 May, 2024	(?<=anniversary of your policy is approaching on )[-\w_\/\. ,]+?(?= \.)	null	null	Business	(?<=time to renew your Hiscox )[-\w_\/\. ]+?(?= Insurance)	2024-02-05
hiscox-business-1	Hiscox Business Insurance - Policy number - hic-dolores-asperiores Company name: Bradley-Rees It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : hic-dolores-asperiores. Company name: Bradley-Rees. Your Hiscox Insurance premium. Last year’s annual premium: This year’s annual premium. £ 7,087.31. £ 7,087.31. The premium includes all applicable insurance premium tax (IPT). Dear Dr Gemma Dickinson. Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 2025-02-18 . Good news; if you want cover to continue with us and to make sure you stay protected by our award-winning cover, you do not need to do anything. We will update your policy onto our latest wording and continue to collect payment using the payment details we have for you. You must read the important information contained in this email and the attached documents. Your Hiscox Insurance Premium breakdown. The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). The amount shown as last year’s Annual premium will take into account any changes to the cover which may have been made during the last policy period. Cover. Last year’s annual premium (exc IPT). This year’s annual Premium (exc IPT). Professional indemnity. £9,700.43. £9,700.43. Legal protection. £4,916.73. £4,916.73. Crisis containment. £4,037.34. Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy . Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government increase in Insurance Premium Tax as shown. Is our information correct? Your premium and cover are based on what you’ve told us about Bradley-Rees , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay. . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover. Policy summary for each cover. ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover . As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before 2025-02-18 . We’re here between 8:30am - 5:30pm Monday to Friday . Please note that we can only discuss policy changes with people named on the policy. Why renew with Hiscox. - Reassuring: we offer a range of cover options that can be tailored to your needs. - Flexible: we offer full flexibility to change your policy, with no administration fees . - Award-winning cover : we’ve been named Best Small Business Insurer 7 years running by Start Your Business Magazine . Please click this link for the Hiscox Referral Portal: https://refer.aklamio.com/hiscox/uk?source=postpurchase. Thank you again for choosing Hiscox to insure your business. We hope you and your business have a very successful year. Kind regards. Jon Dye. CEO, Hiscox UK. Business Insurance for the small and the brave. To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre. Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. This email and any files transmitted with it are confidential and intended solely for the use of the individual or entity to whom they are addressed. No one else is authorised to distribute, forward, print, copy or act upon any information contained in this email. If you have received this email in error, please notify the sender. Hiscox Syndicates Limited and Hiscox Insurance Company Limited are authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Hiscox Underwriting Limited, Hiscox Underwriting Services Ltd, Hiscox MGA Ltd and Hiscox ASM Ltd are authorised and regulated by the Financial Conduct Authority. Hiscox Assure SAS is duly registered as an insurance broker with the ORIAS, which is the French Official Registry of Insurance Intermediaries. Hiscox plc is a company registered in England and Wales under company registration number 2837811 and registered office at 1 Great St Helen's, London EC3A 6HX. Hiscox SA is a company registered in Luxembourg at 35 Avenue John F. Kennedy 35F, Luxembourg L-1855, and is authorised by the Commissariat aux Assurances de Luxembourg. It’s time to renew your Hiscox Business Insurance Hiscox Insurance policy number : hic-dolores-asperiores Company name: Bradley-Rees . It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : hic-dolores-asperiores Company name: Bradley-Rees . Your Hiscox Insurance premium Last year’s annual premium: This year’s annual premium The premium includes all applicable insurance premium tax (IPT). £ 7,087.31 £ 7,087.31 . Your Hiscox Insurance premium . Last year’s annual premium: This year’s annual premium £ 7,087.31 £ 7,087.31 . The premium includes all applicable insurance premium tax (IPT). Dear Dr Gemma Dickinson . Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 2025-02-18 . Good news; if you want cover to continue with us and to make sure you stay protected by our award-winning cover, you do not need to do anything. We will update your policy onto our latest wording and continue to collect payment using the payment details we have for you. You must read the important information contained in this email and the attached documents Your Hiscox Insurance Premium breakdown The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). The amount shown as last year’s Annual premium will take into account any changes to the cover which may have been made during the last policy period. Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) Professional indemnity £9,700.43 £9,700.43 Legal protection £4,916.73 £4,916.73 Crisis containment £4,037.34 Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government increase in Insurance Premium Tax as shown. Is our information correct? Your premium and cover are based on what you’ve told us about Bradley-Rees , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover Policy summary for each cover ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before 2025-02-18 . We’re here between 8:30am - 5:30pm Monday to Friday . Please note that we can only discuss policy changes with people named on the policy. Why renew with Hiscox - Reassuring: we offer a range of cover options that can be tailored to your needs - Flexible: we offer full flexibility to change your policy, with no administration fees - Award-winning cover : we’ve been named Best Small Business Insurer 7 years running by Start Your Business Magazine Please click this link for the Hiscox Referral Portal: https://refer.aklamio.com/hiscox/uk?source=postpurchase Thank you again for choosing Hiscox to insure your business. We hope you and your business have a very successful year. Kind regards Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 2025-02-18 . Good news; if you want cover to continue with us and to make sure you stay protected by our award-winning cover, you do not need to do anything. We will update your policy onto our latest wording and continue to collect payment using the payment details we have for you. You must read the important information contained in this email and the attached documents Your Hiscox Insurance Premium breakdown The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). The amount shown as last year’s Annual premium will take into account any changes to the cover which may have been made during the last policy period. Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) Professional indemnity £9,700.43 £9,700.43 Legal protection £4,916.73 £4,916.73 Crisis containment £4,037.34 Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government increase in Insurance Premium Tax as shown. Is our information correct? Your premium and cover are based on what you’ve told us about Bradley-Rees , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover Policy summary for each cover ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before 2025-02-18 . We’re here between 8:30am - 5:30pm Monday to Friday . Please note that we can only discuss policy changes with people named on the policy. Why renew with Hiscox - Reassuring: we offer a range of cover options that can be tailored to your needs - Flexible: we offer full flexibility to change your policy, with no administration fees - Award-winning cover : we’ve been named Best Small Business Insurer 7 years running by Start Your Business Magazine Please click this link for the Hiscox Referral Portal: https://refer.aklamio.com/hiscox/uk?source=postpurchase Thank you again for choosing Hiscox to insure your business. We hope you and your business have a very successful year. Kind regards Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Your Hiscox Insurance Premium breakdown The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). Cover Professional indemnity Legal protection Crisis containment . Last year’s annual premium (exc IPT) £9,700.43 £4,916.73 £4,037.34 . This year’s annual Premium (exc IPT) £9,700.43 £4,916.73 . Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) . Professional indemnity £9,700.43 £9,700.43 . Legal protection £4,916.73 £4,916.73 . Crisis containment £4,037.34 . Kind regards Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre . Kind regards . Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave . To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre . Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Page / 1 Hiscox Business Insurance Policy wording 17431a - DC565 WORDING 04/17Guide to sectionsIntroduction Policy wordings General terms and conditions Professional indemnity for business management consultants Legal protection Crisis containment Hiscox Business Insurance Policy wording 17431a - DC565 WORDING 04/17IntroductionThank you for choosing Hiscox to protect your business. We hope that the language and layout of this policy wording are clear because we want you to understand the insurance we provide as well as the responsibilities we have to each other. Please read this document, including the policy schedule, policy summary and statement of fact, and let us know as soon as possible if any of the details are shown incorrectly. We always try to deliver to the highest standards of service. Your views are important to us, so if you feel that our service is below the standard you would expect from Hiscox, please contact us on the phone number shown in your policy schedule. Please note that some of the words we use in this insurance are shown in bold type. These words are defined in each section of the wording. Page / 1 Hiscox Insurance Payment schedule Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Thank you for continuing to pay for your policy by Direct Debit. Please check these details and let us know if anything is incorrect or if the schedule is not suitable. Your reference details Account holder name: Gemma Dickinson Frequency of collection: Annual Sort code: %BANK_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 06 November, 2020 £7,087.31 Where your chosen collection date falls ona non-working day then we will endeavour to collect the next working day. For your information, the collections will be made using the following reference number: Originator Identification Number: 293461 Reference Number: hic-dolores-asperiores If you have any questions about your policy or payments, please call us on 0800 280 0351. We’re here between 8:30am - 5:30pm Monday to Friday or you can email us at service@hiscox.co.uk. Using your personal information Hiscox isa trading name ofa number of Hiscox companies. The specific company acting asa data controller of your personal information will be listed in the documentation we provide to you. If you are unsure you can also contact us at anytime by telephoning 01904 681198 or by emailing us at dataprotectionofficer@hiscox.com. We collect and process information about you in order to provide insurance policies and to process claims. Your information is also used for business purposes such as fraud prevention and detection and financial management. This may involve sharing your information with, and obtaining information about you from, our group companies and third parties such as brokers, loss adjusters, credit reference agencies, service providers, professional advisors, our regulators or fraud prevention agencies. We may record telephone calls to help us monitor and improve the service we provide. For further information on how your information is used and your rights in relation to your information please see our privacy policy at www.hiscox.co.uk/cookies-privacy. The Direct Debit Guarantee This Guarantee is offered by all banks and building societies that accept instructions to pay Direct Debits. If there are any changes to the amount, date or frequency of your Direct Debit Hiscox Underwriting Ltd will notify you ten working days in advance of your account being debited or as otherwise agreed. If you request Hiscox Underwriting Ltd to collect a payment, confirmation of the amount and date will be given to you at the time of the request. If an error is made in the payment of your Direct Debit by Hiscox Underwriting Ltd or your bank or building society you are entitled to a full and immediate refund of the amount paid from your bank or building society. – If you receive a refund you are not entitled to, you must pay it back when Hiscox Underwriting Ltd asks you to. You can cancel a Direct Debit at anytime by simply contacting your bank or building society. Written confirmation maybe required. Please also notify us. Page / 1 Hiscox Business Insurance Policy summary JAC-PSC-UK-DC556(5.4) 17431b 07/20 Your Hiscox Business Insurance policy summaries This document contains the summaries for any policy covers you have selected to protect your business. These summaries outline the key information about your policies so you can be confident that you have understood what you have bought and what you are covered for. However, you should carefully read your policy in full and ensure that you understand its terms and conditions in full. If you have any queries, you should contact Hiscox or your insurance advisor. Your side of the bargain Remember, your premium and insurance are based on the details you have provided to us. Please make sure this information accurately reflects your business and that you inform us immediately if anything needs to change. Please also tell us of any changes in circumstances that may affect the services provided by us or the cover provided by your policy. This is particularly important before taking out a policy, but it also applies throughout the life of the policy too. You need to consider: ■if you fail to fairly present the risk to us, including by failing to disclose any information material to the insurance, you could invalidate the policy, claims may not be paid or the amount we pay maybe reduced; ■you should read and check all insurance documents to ensure that you are aware of the cover, limits and other terms that apply; ■if you fail to let us know of any changes to your circumstances during the period of insurance or, if when telling us about such changes you fail to present the risk to us fairly, you could invalidate the policy, claims may not be paid or the amount we pay maybe reduced; ■please be aware of all terms and conditions of your policy because failure to comply with them could invalidate it or result in us not paying a claim or reducing the amount we pay; ■in the event ofa claim, you should take note of the required procedures, such as giving Hiscox prompt notice of the claims, as stated in the policy documentation. In particular, if you fail to notify us when you first become aware ofa shortcoming, fact, or problem, admit you are liable for what has happened or appoint solicitors or other legal representation without our prior written approval, claims or defence costs may not be paid or the amount we pay maybe reduced; ■as with any insurance, you have an obligation to take reasonable steps to mitigate any loss or liability; ■if you make a fraudulent claim or try to deceive us, we may terminate the policy. Policy length The period of insurance is shown on your policy schedule. Your policy schedule will also show if the policy is ona continuing cover basis. If itis ona continuing cover basis, we will renew your policy each year for another 12 months and continue to take payment (including any premium adjustment shown in your renewal invitation) using your existing arrangement, unless you tell us otherwise or if your risk changes. If your policy schedule does not show that the policy is ona continuing cover basis, cover will cease at the end of the period of insurance, unless you renew your policy with us. We will provide you witha statement of fact each year and provided that the information contained within the statement of fact is true, complete and accurate, you do not need to provide us with any further information. If any of the information in your statement of fact is not true, complete and accurate, you must let us know. If you do not let us know, it may affect the validity of the policy or our ability to pay a claim. Retroactive dates, geographical and jurisdiction limits Where any section of your policy schedule includes a retroactive date, we will not make any payment for any claim or loss under that section which arises from any activity performed or any act, incident or occurrence taking place, before the retroactive date. Where any section of your policy schedule shows the geographical limits which apply to that section of the policy, we will only pay for claims and losses under that section which arise from activities performed or acts, incidents or occurrences taking place within those geographical limits. Where any section provides cover in respect of your liability to third parties, we will only cover claims first made ina country within the applicable courts stated in that section of your policy schedule. Hiscox Business Insurance Policy summary JAC-PSC-UK-DC556(5.4) 17431b 07/20 Cancellation rights You can cancel this policy by giving us 30 days' notice. You will only be charged for the premiums due up to the date of cancellation. If we need to cancel the policy, we’ll give you 30 days’ notice in writing and refund any surplus premiums you might have paid. Please note – we may deduct an administration fee from any refunded payment.There is an exception to our 30-day notice period, which is triggered when we don’t receive your Direct Debit payments within the agreed 14-day period. At this point, we will contact you as soon as possible and stop the policyPage / 2 immediately. Underwritten by:Hiscox Underwriting Ltd on behalf of the insurers named in the schedule. Page / 1 Certificate of professional indemnity insurance Bradley-Rees Hiscox Underwriting Ltd of 1 Great St. Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Certificate of professional indemnity Insurance Policy number:hic-dolores-asperiores Name of policy holder:Bradley-Rees Period of insurance: From 2025-02-18 to 04/07/23 both days inclusive. This policy isa Continuing cover policy Insurer: Hiscox Insurance Company Limited Retroactive date: 2019-11-15 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: 2025-02-18 Insurance details Policy number: hic-dolores-asperiores Period of insurance: From 2025-02-18 to 04/07/23 both days inclusive. This policy isa Continuing cover policy. Insured: Bradley-Rees Address: 67 Michelle shoals Ashleighbury FARNHAM S63 5DN Additional insureds: None Business: Management Consultants Premium details Charged premium – the total amount you’ll pay for this policy. Charged premium: £6,314.08 Insurance Premium Tax (IPT): £2,289.13 Total charged premium: £7,087.31 Annualised premium – the annual premium for this policy. This is given for comparison purposes. Please refer to the charged premium section for the amount you’ll pay for the policy. Annual premium: £6,314.08 Insurance Premium Tax (IPT): £2,289.13 Annual total: £7,087.31 Please note that there will be no refund or additional premium for any transaction which is less than £20 (excluding IPT). Hiscox Business Insurance Policy Schedule 14502 10/18 Summary Claims information If you need to make a claim: - For claims relating to your building or contents please contact our claims team on 0800 247 1902, 9.00am – 5:30pm Monday to Friday. If you wish to make a claim online, you can log most claims quickly and easily through our claims notification portal at https://claims.hiscox.co.uk/. Outside of normal business hours, if you require emergency assistance in relation to substantial damage to your property, you can speak to our 24-hour emergency assistance team using the telephone number above. Your policy schedule will state if property cover is included in your policy. Our out-of-hours emergency assistance team operate ona pay-and-claim basis and you will need to have credit card details available as appropriate. The team will then be able to direct you to essential tradesmen, emergency loss adjusters or disaster management companies in the event of substantial damage. - If there isa claim (or potential claim) against you bya third party, please email us at liability.claims@hiscox.com. If you need to speak to a member of the claims team urgently, please call our team on 0800 711 7156, 9.00am – 5:30pm Monday to Friday. If you wish to make a claim online, you can log most claims quickly and easily through our claims notification portal at https://claims.hiscox.co.uk/. You will need to provide your full name and contact details, the name of your business or organisation, your address and postcode, the policy reference and circumstances of the claim. The Important information and contact details section below contains additional information specific to the covers applicable to your policy. If you are unsure of who to contact please call our team on 0800 711 7156, 9.00am – 5:30pm Monday to Friday. They will ensure you get through to the correct claims team and let you know what actions you need to take. If anything happens that might be covered under the policy, you must comply with the obligations set out in General claims conditions, together with the obligations set out under Your obligations in the section or sections under which you are making the claim. Itis important that you read the policy for details of its terms in full. Your covers This isa summary of each section of your policy. See each section for cover details. Cover Insurance amount Excess Annual Premium (exc IPT) Professional indemnity £1,000,000 £1,000 £9,700.43 Legal protection £100,000 £0 £4,916.73 Crisis containment £25,000 - £4,037.34 The figures above are in summary only and are not in addition to the amount insured specified against each cover section below. Hiscox Business Insurance Policy Schedule 14502 10/18 SECTION: PROFESSIONAL INDEMNITY – MANAGEMENT CONSULTANTS Cover start date: 2025-02-18 Limit of indemnity £1,000,000 Limit applies to in the aggregate, including all costs Excess £1,000 Excess applies to each and every claim or loss, including all costs Geographical limits Worldwide Applicable courts Worldwide (excluding United States of America and Canada) Claims brought in USA or Canada Not covered Additional covers (in addition to overall limit of indemnity stated above) Cover Limit of indemnity Limit applies to Court attendance compensation - employees £250 per person, per day Court attendance compensation - directors and partners£500 per person, per day Court attendance compensation: in total £100,000 in the aggregate Special limits (included within not in addition to the overall limit of indemnity stated above) Cover Limit of indemnity Limit applies to Personal dataPage / 2 claims £250,000 in the aggregate, including all costs Business activities Business management consultant Retroactive date 2019-11-15 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	hic-dolores-asperiores	(?<=Policy number - )[-\w_\/\.]+?(?= Company name)	2025-02-18	(?<=anniversary of your policy is approaching on )[-\w_\/\. ,]+?(?= \.)	null	null	Business	(?<=time to renew your Hiscox )[-\w_\/\. ]+?(?= Insurance)	2024-02-05
hiscox-business-1	Hiscox Business Insurance - Policy number - WI7DX/2LI9EM_2QP7 Company name: Simpson, Norton and Webb It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : WI7DX/2LI9EM_2QP7. Company name: Simpson, Norton and Webb. Your Hiscox Insurance premium. Last year’s annual premium: This year’s annual premium. £ 6,703.02. £ 6,703.02. The premium includes all applicable insurance premium tax (IPT). Dear Miss Yvonne Andrews. Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 18/08/2022 . Good news; if you want cover to continue with us and to make sure you stay protected by our award-winning cover, you do not need to do anything. We will update your policy onto our latest wording and continue to collect payment using the payment details we have for you. You must read the important information contained in this email and the attached documents. Your Hiscox Insurance Premium breakdown. The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). The amount shown as last year’s Annual premium will take into account any changes to the cover which may have been made during the last policy period. Cover. Last year’s annual premium (exc IPT). This year’s annual Premium (exc IPT). Professional indemnity. £6,251.99. £6,251.99. Legal protection. £6,191.94. £6,191.94. Crisis containment. £5,705.47. Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy . Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government 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, Norton and Webb , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay. . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover. Policy summary for each cover. ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover . As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before 18/08/2022 . 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 : WI7DX/2LI9EM_2QP7 Company name: Simpson, Norton and Webb . It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : WI7DX/2LI9EM_2QP7 Company name: Simpson, Norton and Webb . Your Hiscox Insurance premium Last year’s annual premium: This year’s annual premium The premium includes all applicable insurance premium tax (IPT). £ 6,703.02 £ 6,703.02 . Your Hiscox Insurance premium . Last year’s annual premium: This year’s annual premium £ 6,703.02 £ 6,703.02 . The premium includes all applicable insurance premium tax (IPT). Dear Miss Yvonne Andrews . Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 18/08/2022 . Good news; if you want cover to continue with us and to make sure you stay protected by our award-winning cover, you do not need to do anything. We will update your policy onto our latest wording and continue to collect payment using the payment details we have for you. You must read the important information contained in this email and the attached documents Your Hiscox Insurance Premium breakdown The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). The amount shown as last year’s Annual premium will take into account any changes to the cover which may have been made during the last policy period. Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) Professional indemnity £6,251.99 £6,251.99 Legal protection £6,191.94 £6,191.94 Crisis containment £5,705.47 Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government 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, Norton and Webb , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover Policy summary for each cover ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before 18/08/2022 . We’re here between 8:30am - 5:30pm Monday to Friday . Please note that we can only discuss policy changes with people named on the policy. Why renew with Hiscox - Reassuring: we offer a range of cover options that can be tailored to your needs - Flexible: we offer full flexibility to change your policy, with no administration fees - Award-winning cover : we’ve been named Best Small Business Insurer 7 years running by Start Your Business Magazine Please click this link for the Hiscox Referral Portal: https://refer.aklamio.com/hiscox/uk?source=postpurchase Thank you again for choosing Hiscox to insure your business. We hope you and your business have a very successful year. Kind regards Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 18/08/2022 . Good news; if you want cover to continue with us and to make sure you stay protected by our award-winning cover, you do not need to do anything. We will update your policy onto our latest wording and continue to collect payment using the payment details we have for you. You must read the important information contained in this email and the attached documents Your Hiscox Insurance Premium breakdown The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). The amount shown as last year’s Annual premium will take into account any changes to the cover which may have been made during the last policy period. Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) Professional indemnity £6,251.99 £6,251.99 Legal protection £6,191.94 £6,191.94 Crisis containment £5,705.47 Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government 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, Norton and Webb , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover Policy summary for each cover ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before 18/08/2022 . We’re here between 8:30am - 5:30pm Monday to Friday . Please note that we can only discuss policy changes with people named on the policy. Why renew with Hiscox - Reassuring: we offer a range of cover options that can be tailored to your needs - Flexible: we offer full flexibility to change your policy, with no administration fees - Award-winning cover : we’ve been named Best Small Business Insurer 7 years running by Start Your Business Magazine Please click this link for the Hiscox Referral Portal: https://refer.aklamio.com/hiscox/uk?source=postpurchase Thank you again for choosing Hiscox to insure your business. We hope you and your business have a very successful year. Kind regards Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Your Hiscox Insurance Premium breakdown The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). Cover Professional indemnity Legal protection Crisis containment . Last year’s annual premium (exc IPT) £6,251.99 £6,191.94 £5,705.47 . This year’s annual Premium (exc IPT) £6,251.99 £6,191.94 . Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) . Professional indemnity £6,251.99 £6,251.99 . Legal protection £6,191.94 £6,191.94 . Crisis containment £5,705.47 . Kind regards Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre . Kind regards . Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave . To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre . Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Page / 1 Hiscox Business Insurance Policy wording 17431a - DC565 WORDING 04/17Guide to sectionsIntroduction Policy wordings General terms and conditions Professional indemnity for business management consultants Legal protection Crisis containment Hiscox Business Insurance Policy wording 17431a - DC565 WORDING 04/17IntroductionThank you for choosing Hiscox to protect your business. We hope that the language and layout of this policy wording are clear because we want you to understand the insurance we provide as well as the responsibilities we have to each other. Please read this document, including the policy schedule, policy summary and statement of fact, and let us know as soon as possible if any of the details are shown incorrectly. We always try to deliver to the highest standards of service. Your views are important to us, so if you feel that our service is below the standard you would expect from Hiscox, please contact us on the phone number shown in your policy schedule. Please note that some of the words we use in this insurance are shown in bold type. These words are defined in each section of the wording. Page / 1 Hiscox Insurance Payment schedule Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Thank you for continuing to pay for your policy by Direct Debit. Please check these details and let us know if anything is incorrect or if the schedule is not suitable. Your reference details Account holder name: Yvonne Andrews Frequency of collection: Annual Sort code: %BANK_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 September, 2023 £6,703.02 Where your chosen collection date falls ona non-working day then we will endeavour to collect the next working day. For your information, the collections will be made using the following reference number: Originator Identification Number: 293461 Reference Number: WI7DX/2LI9EM_2QP7 If you have any questions about your policy or payments, please call us on 0800 280 0351. We’re here between 8:30am - 5:30pm Monday to Friday or you can email us at service@hiscox.co.uk. Using your personal information Hiscox isa trading name ofa number of Hiscox companies. The specific company acting asa data controller of your personal information will be listed in the documentation we provide to you. If you are unsure you can also contact us at anytime by telephoning 01904 681198 or by emailing us at dataprotectionofficer@hiscox.com. We collect and process information about you in order to provide insurance policies and to process claims. Your information is also used for business purposes such as fraud prevention and detection and financial management. This may involve sharing your information with, and obtaining information about you from, our group companies and third parties such as brokers, loss adjusters, credit reference agencies, service providers, professional advisors, our regulators or fraud prevention agencies. We may record telephone calls to help us monitor and improve the service we provide. For further information on how your information is used and your rights in relation to your information please see our privacy policy at www.hiscox.co.uk/cookies-privacy. The Direct Debit Guarantee This Guarantee is offered by all banks and building societies that accept instructions to pay Direct Debits. If there are any changes to the amount, date or frequency of your Direct Debit Hiscox Underwriting Ltd will notify you ten working days in advance of your account being debited or as otherwise agreed. If you request Hiscox Underwriting Ltd to collect a payment, confirmation of the amount and date will be given to you at the time of the request. If an error is made in the payment of your Direct Debit by Hiscox Underwriting Ltd or your bank or building society you are entitled to a full and immediate refund of the amount paid from your bank or building society. – If you receive a refund you are not entitled to, you must pay it back when Hiscox Underwriting Ltd asks you to. You can cancel a Direct Debit at anytime by simply contacting your bank or building society. Written confirmation maybe required. Please also notify us. Page / 1 Hiscox Business Insurance Policy summary JAC-PSC-UK-DC556(5.4) 17431b 07/20 Your Hiscox Business Insurance policy summaries This document contains the summaries for any policy covers you have selected to protect your business. These summaries outline the key information about your policies so you can be confident that you have understood what you have bought and what you are covered for. However, you should carefully read your policy in full and ensure that you understand its terms and conditions in full. If you have any queries, you should contact Hiscox or your insurance advisor. Your side of the bargain Remember, your premium and insurance are based on the details you have provided to us. Please make sure this information accurately reflects your business and that you inform us immediately if anything needs to change. Please also tell us of any changes in circumstances that may affect the services provided by us or the cover provided by your policy. This is particularly important before taking out a policy, but it also applies throughout the life of the policy too. You need to consider: ■if you fail to fairly present the risk to us, including by failing to disclose any information material to the insurance, you could invalidate the policy, claims may not be paid or the amount we pay maybe reduced; ■you should read and check all insurance documents to ensure that you are aware of the cover, limits and other terms that apply; ■if you fail to let us know of any changes to your circumstances during the period of insurance or, if when telling us about such changes you fail to present the risk to us fairly, you could invalidate the policy, claims may not be paid or the amount we pay maybe reduced; ■please be aware of all terms and conditions of your policy because failure to comply with them could invalidate it or result in us not paying a claim or reducing the amount we pay; ■in the event ofa claim, you should take note of the required procedures, such as giving Hiscox prompt notice of the claims, as stated in the policy documentation. In particular, if you fail to notify us when you first become aware ofa shortcoming, fact, or problem, admit you are liable for what has happened or appoint solicitors or other legal representation without our prior written approval, claims or defence costs may not be paid or the amount we pay maybe reduced; ■as with any insurance, you have an obligation to take reasonable steps to mitigate any loss or liability; ■if you make a fraudulent claim or try to deceive us, we may terminate the policy. Policy length The period of insurance is shown on your policy schedule. Your policy schedule will also show if the policy is ona continuing cover basis. If itis ona continuing cover basis, we will renew your policy each year for another 12 months and continue to take payment (including any premium adjustment shown in your renewal invitation) using your existing arrangement, unless you tell us otherwise or if your risk changes. If your policy schedule does not show that the policy is ona continuing cover basis, cover will cease at the end of the period of insurance, unless you renew your policy with us. We will provide you witha statement of fact each year and provided that the information contained within the statement of fact is true, complete and accurate, you do not need to provide us with any further information. If any of the information in your statement of fact is not true, complete and accurate, you must let us know. If you do not let us know, it may affect the validity of the policy or our ability to pay a claim. Retroactive dates, geographical and jurisdiction limits Where any section of your policy schedule includes a retroactive date, we will not make any payment for any claim or loss under that section which arises from any activity performed or any act, incident or occurrence taking place, before the retroactive date. Where any section of your policy schedule shows the geographical limits which apply to that section of the policy, we will only pay for claims and losses under that section which arise from activities performed or acts, incidents or occurrences taking place within those geographical limits. Where any section provides cover in respect of your liability to third parties, we will only cover claims first made ina country within the applicable courts stated in that section of your policy schedule. Hiscox Business Insurance Policy summary JAC-PSC-UK-DC556(5.4) 17431b 07/20 Cancellation rights You can cancel this policy by giving us 30 days' notice. You will only be charged for the premiums due up to the date of cancellation. If we need to cancel the policy, we’ll give you 30 days’ notice in writing and refund any surplus premiums you might have paid. Please note – we may deduct an administration fee from any refunded payment.There is an exception to our 30-day notice period, which is triggered when we don’t receive your Direct Debit payments within the agreed 14-day period. At this point, we will contact you as soon as possible and stop the 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, Norton and Webb Hiscox Underwriting Ltd of 1 Great St. Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Certificate of professional indemnity Insurance Policy number:WI7DX/2LI9EM_2QP7 Name of policy holder:Simpson, Norton and Webb Period of insurance: From 18/08/2022 to 14/08/25 both days inclusive. This policy isa Continuing cover policy Insurer: Hiscox Insurance Company Limited Retroactive date: 30 July, 2025 Level of cover:£1,000,000 Signed on behalf of Hiscox Underwriting Limited as agent for the insurers Jon Dye CEO, Hiscox UK Notes: (a) This insurance is subject to policy terms and conditions and any special terms notified to the InsuredPage / 1 Hiscox Business Insurance Policy Schedule 14502 10/18 This schedule tells you what is insured with us. It should be read carefully with your policy wording(s) and statement of fact detailed elsewhere in this document. Schedule effective date: 18/08/2022 Insurance details Policy number: WI7DX/2LI9EM_2QP7 Period of insurance: From 18/08/2022 to 14/08/25 both days inclusive. This policy isa Continuing cover policy. Insured: Simpson, Norton and Webb Address: 8 Holly trail West Jamiemouth FARNHAM FK4 4WX Additional insureds: None Business: Management Consultants Premium details Charged premium – the total amount you’ll pay for this policy. Charged premium: £5,395.62 Insurance Premium Tax (IPT): £1,879.91 Total charged premium: £6,703.02 Annualised premium – the annual premium for this policy. This is given for comparison purposes. Please refer to the charged premium section for the amount you’ll pay for the policy. Annual premium: £5,395.62 Insurance Premium Tax (IPT): £1,879.91 Annual total: £6,703.02 Please note that there will be no refund or additional premium for any transaction which is less than £20 (excluding IPT). Hiscox Business Insurance Policy Schedule 14502 10/18 Summary Claims information If you need to make a claim: - For claims relating to your building or contents please contact our claims team on 0800 247 1902, 9.00am – 5:30pm Monday to Friday. If you wish to make a claim online, you can log most claims quickly and easily through our claims notification portal at https://claims.hiscox.co.uk/. Outside of normal business hours, if you require emergency assistance in relation to substantial damage to your property, you can speak to our 24-hour emergency assistance team using the telephone number above. Your policy schedule will state if property cover is included in your policy. Our out-of-hours emergency assistance team operate ona pay-and-claim basis and you will need to have credit card details available as appropriate. The team will then be able to direct you to essential tradesmen, emergency loss adjusters or disaster management companies in the event of substantial damage. - If there isa claim (or potential claim) against you bya third party, please email us at liability.claims@hiscox.com. If you need to speak to a member of the claims team urgently, please call our team on 0800 711 7156, 9.00am – 5:30pm Monday to Friday. If you wish to make a claim online, you can log most claims quickly and easily through our claims notification portal at https://claims.hiscox.co.uk/. You will need to provide your full name and contact details, the name of your business or organisation, your address and postcode, the policy reference and circumstances of the claim. The Important information and contact details section below contains additional information specific to the covers applicable to your policy. If you are unsure of who to contact please call our team on 0800 711 7156, 9.00am – 5:30pm Monday to Friday. They will ensure you get through to the correct claims team and let you know what actions you need to take. If anything happens that might be covered under the policy, you must comply with the obligations set out in General claims conditions, together with the obligations set out under Your obligations in the section or sections under which you are making the claim. Itis important that you read the policy for details of its terms in full. Your covers This isa summary of each section of your policy. See each section for cover details. Cover Insurance amount Excess Annual Premium (exc IPT) Professional indemnity £1,000,000 £1,000 £6,251.99 Legal protection £100,000 £0 £6,191.94 Crisis containment £25,000 - £5,705.47 The figures above are in summary only and are not in addition to the amount insured specified against each cover section below. Hiscox Business Insurance Policy Schedule 14502 10/18 SECTION: PROFESSIONAL INDEMNITY – MANAGEMENT CONSULTANTS Cover start date: 18/08/2022 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 dataPage / 2 claims £250,000 in the aggregate, including all costs Business activities Business management consultant Retroactive date 30 July, 2025 Insurer Hiscox Insurance Company LimitedPage / 1 Hiscox Insurance Summary of change Introduction This document has been created to help you understand the key changes to your Hiscox Insurance policy and how they may impact you. Your policy continues to offer professional, tailored insurance to protect you and give you peace of mind that if you need us, you will be supported by our award winning claims team. If you have a query not covered by this document, or if you have any questions or concerns about your policy you should contact us. Frequently asked questions What if my circumstances change during the period of insurance? If your circumstances change during the period of insurance, you only need to let us know if the change means that any of the information in the Statement of Fact is no longer true, complete and accurate. If there are no such changes, you do not need to let us know. If any of the information within the Statement of Fact becomes no longer complete, true or accurate at any point during the period of insurance you must tell us as it may affect the validity of the policy or our ability to pay a claim. Additionally, if your contact details change then you should let us know straightaway. Where doI find the limits that apply to my policy? You can find your maximum allowable limits for turnover and wage rollin your Statement of Fact. You must check this information and tell us or your broker if you expect to exceed the maximum amounts shown. Please note these values may have changed. If there are special limits or special excesses applying to particular covers or types of losses these will be shown in the policy schedule. Please check your policy schedule carefully as they may have changed. My new schedule shows a different premium to last year? What has changed? If an underwriter has reviewed your policy then they may have manually adjusted your premium, for example if you’ve had claims in the last 12 months. Where doI find out about any endorsements on my policy? You will be able to see if an endorsement has been applied or removed by reviewing your Policy Schedule. If you have any queries or concerns, please contact us or your broker if you have one. Hiscox Insurance Summary of change Professional indemnity for business management consultants Summary of change Changes to the cover The following table shows the differences between our new policy wordings (5570 WD- PROF-UK-MAN(7), 15579 WD-PROF-UK-MAN-AG(3)) and our previous wordings (5570 WD-PROF-UK-MAN(6), 15579 WD-PROF-UK-MAN-AG(2)). This isa summary of the changes only. You should refer to the schedule and policy wording for the full description of the cover in place. Area of cover Previous policy New policy Improvement in cover Claims against you Advertising claims. We will pay claims arising from your advertising or branding for defamation or infringement of copyright or moral rights. This does not include claims for passing off, unauthorised use of trademarks or false or misleading advertising. Previously cover was not restricted to defamation or the infringement of copyright or moral rights.Covered Amended Your own lossesChanges to ‘what is covered’ Losses from dishonesty. Your losses arising from the dishonesty of your employees, sub-contractors or outsourcers.Covered Not covered Area of cover Previous policy New policy Improvement in cover Cyber incident. We will not pay claims relating to an actual or possible cyber attack, hacker or social engineering communication. Previously we excluded any virus not specifically targeted at your system.Covered Not covered Computer or digital technology error. We will not pay claims arising from any negligent act, error or omission in the operation or maintenance of computer or digital technology such as development, installation, patching or upgrading.Covered Not coveredChanges to ‘what is not covered’ Infrastructure. We will not pay claims arising from the failure of the service provided by internet, telecommunications, utilities or other infrastructure providers.Covered Not covered Hiscox Insurance Summary of change Personal data. We will not pay claims relating to personal data. We will pay such claims where they arise from your performance ofa business activity and which is not otherwise excluded. Subject to the limit shown in the schedule.Covered Not covered Other important changes Control of defence. Under the previous wording we had a duty to defend you against any covered claim brought against you. We now have the right but not the obligation to take control of the conduct of the claim including the appointment of legal representation. Please refer to the policy wording for full details. SOC-PROF-UK-MAN(1) 21367 01/21	WI7DX/2LI9EM_2QP7	(?<=Policy number - )[-\w_\/\.]+?(?= Company name)	18/08/2022	(?<=anniversary of your policy is approaching on )[-\w_\/\. ,]+?(?= \.)	null	null	Business	(?<=time to renew your Hiscox )[-\w_\/\. ]+?(?= Insurance)	2024-02-05
hiscox-business-1	Hiscox Business Insurance - Policy number - avxmognkfzj-fikixhyy Company name: Norman, Davies and Wood It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : avxmognkfzj-fikixhyy. Company name: Norman, Davies and Wood. Your Hiscox Insurance premium. Last year’s annual premium: This year’s annual premium. £ 7,989.37. £ 7,989.37. The premium includes all applicable insurance premium tax (IPT). Dear Ms Eric Marshall. Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on Tuesday 11 February, 2020 . Good news; if you want cover to continue with us and to make sure you stay protected by our award-winning cover, you do not need to do anything. We will update your policy onto our latest wording and continue to collect payment using the payment details we have for you. You must read the important information contained in this email and the attached documents. Your Hiscox Insurance Premium breakdown. The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). The amount shown as last year’s Annual premium will take into account any changes to the cover which may have been made during the last policy period. Cover. Last year’s annual premium (exc IPT). This year’s annual Premium (exc IPT). Professional indemnity. £2,659.89. £2,659.89. Legal protection. £1,854.75. £1,854.75. Crisis containment. £8,865.53. Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy . Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government increase in Insurance Premium Tax as shown. Is our information correct? Your premium and cover are based on what you’ve told us about Norman, Davies 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 Tuesday 11 February, 2020 . We’re here between 8:30am - 5:30pm Monday to Friday . Please note that we can only discuss policy changes with people named on the policy. Why renew with Hiscox. - Reassuring: we offer a range of cover options that can be tailored to your needs. - Flexible: we offer full flexibility to change your policy, with no administration fees . - Award-winning cover : we’ve been named Best Small Business Insurer 7 years running by Start Your Business Magazine . Please click this link for the Hiscox Referral Portal: https://refer.aklamio.com/hiscox/uk?source=postpurchase. Thank you again for choosing Hiscox to insure your business. We hope you and your business have a very successful year. Kind regards. Jon Dye. CEO, Hiscox UK. Business Insurance for the small and the brave. To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre. Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. This email and any files transmitted with it are confidential and intended solely for the use of the individual or entity to whom they are addressed. No one else is authorised to distribute, forward, print, copy or act upon any information contained in this email. If you have received this email in error, please notify the sender. Hiscox Syndicates Limited and Hiscox Insurance Company Limited are authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Hiscox Underwriting Limited, Hiscox Underwriting Services Ltd, Hiscox MGA Ltd and Hiscox ASM Ltd are authorised and regulated by the Financial Conduct Authority. Hiscox Assure SAS is duly registered as an insurance broker with the ORIAS, which is the French Official Registry of Insurance Intermediaries. Hiscox plc is a company registered in England and Wales under company registration number 2837811 and registered office at 1 Great St Helen's, London EC3A 6HX. Hiscox SA is a company registered in Luxembourg at 35 Avenue John F. Kennedy 35F, Luxembourg L-1855, and is authorised by the Commissariat aux Assurances de Luxembourg. It’s time to renew your Hiscox Business Insurance Hiscox Insurance policy number : avxmognkfzj-fikixhyy Company name: Norman, Davies and Wood . It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : avxmognkfzj-fikixhyy Company name: Norman, Davies 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). £ 7,989.37 £ 7,989.37 . Your Hiscox Insurance premium . Last year’s annual premium: This year’s annual premium £ 7,989.37 £ 7,989.37 . The premium includes all applicable insurance premium tax (IPT). Dear Ms Eric Marshall . Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on Tuesday 11 February, 2020 . Good news; if you want cover to continue with us and to make sure you stay protected by our award-winning cover, you do not need to do anything. We will update your policy onto our latest wording and continue to collect payment using the payment details we have for you. You must read the important information contained in this email and the attached documents Your Hiscox Insurance Premium breakdown The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). The amount shown as last year’s Annual premium will take into account any changes to the cover which may have been made during the last policy period. Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) Professional indemnity £2,659.89 £2,659.89 Legal protection £1,854.75 £1,854.75 Crisis containment £8,865.53 Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government increase in Insurance Premium Tax as shown. Is our information correct? Your premium and cover are based on what you’ve told us about Norman, Davies 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 Tuesday 11 February, 2020 . We’re here between 8:30am - 5:30pm Monday to Friday . Please note that we can only discuss policy changes with people named on the policy. Why renew with Hiscox - Reassuring: we offer a range of cover options that can be tailored to your needs - Flexible: we offer full flexibility to change your policy, with no administration fees - Award-winning cover : we’ve been named Best Small Business Insurer 7 years running by Start Your Business Magazine Please click this link for the Hiscox Referral Portal: https://refer.aklamio.com/hiscox/uk?source=postpurchase Thank you again for choosing Hiscox to insure your business. We hope you and your business have a very successful year. Kind regards Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on Tuesday 11 February, 2020 . Good news; if you want cover to continue with us and to make sure you stay protected by our award-winning cover, you do not need to do anything. We will update your policy onto our latest wording and continue to collect payment using the payment details we have for you. You must read the important information contained in this email and the attached documents Your Hiscox Insurance Premium breakdown The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). The amount shown as last year’s Annual premium will take into account any changes to the cover which may have been made during the last policy period. Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) Professional indemnity £2,659.89 £2,659.89 Legal protection £1,854.75 £1,854.75 Crisis containment £8,865.53 Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government increase in Insurance Premium Tax as shown. Is our information correct? Your premium and cover are based on what you’ve told us about Norman, Davies 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 Tuesday 11 February, 2020 . We’re here between 8:30am - 5:30pm Monday to Friday . Please note that we can only discuss policy changes with people named on the policy. Why renew with Hiscox - Reassuring: we offer a range of cover options that can be tailored to your needs - Flexible: we offer full flexibility to change your policy, with no administration fees - Award-winning cover : we’ve been named Best Small Business Insurer 7 years running by Start Your Business Magazine Please click this link for the Hiscox Referral Portal: https://refer.aklamio.com/hiscox/uk?source=postpurchase Thank you again for choosing Hiscox to insure your business. We hope you and your business have a very successful year. Kind regards Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Your Hiscox Insurance Premium breakdown The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). Cover Professional indemnity Legal protection Crisis containment . Last year’s annual premium (exc IPT) £2,659.89 £1,854.75 £8,865.53 . This year’s annual Premium (exc IPT) £2,659.89 £1,854.75 . Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) . Professional indemnity £2,659.89 £2,659.89 . Legal protection £1,854.75 £1,854.75 . Crisis containment £8,865.53 . Kind regards Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre . Kind regards . Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave . To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre . Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Page / 1 Hiscox Business Insurance Policy wording 17431a - DC565 WORDING 04/17Guide to sectionsIntroduction Policy wordings General terms and conditions Professional indemnity for business management consultants Legal protection Crisis containment Hiscox Business Insurance Policy wording 17431a - DC565 WORDING 04/17IntroductionThank you for choosing Hiscox to protect your business. We hope that the language and layout of this policy wording are clear because we want you to understand the insurance we provide as well as the responsibilities we have to each other. Please read this document, including the policy schedule, policy summary and statement of fact, and let us know as soon as possible if any of the details are shown incorrectly. We always try to deliver to the highest standards of service. Your views are important to us, so if you feel that our service is below the standard you would expect from Hiscox, please contact us on the phone number shown in your policy schedule. Please note that some of the words we use in this insurance are shown in bold type. These words are defined in each section of the wording. Page / 1 Hiscox Insurance Payment schedule Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Thank you for continuing to pay for your policy by Direct Debit. Please check these details and let us know if anything is incorrect or if the schedule is not suitable. Your reference details Account holder name: Eric Marshall Frequency of collection: Annual Sort code: %BANK_SORT_CODE_1% Account number: %BANK_ACCOUNT_NUMBER_1% Your Direct Debit schedule We will take payments on the dates outlined below: Date Amount Sunday 28 May, 2023 £7,989.37 Where your chosen collection date falls ona non-working day then we will endeavour to collect the next working day. For your information, the collections will be made using the following reference number: Originator Identification Number: 293461 Reference Number: avxmognkfzj-fikixhyy If you have any questions about your policy or payments, please call us on 0800 280 0351. We’re here between 8:30am - 5:30pm Monday to Friday or you can email us at service@hiscox.co.uk. Using your personal information Hiscox isa trading name ofa number of Hiscox companies. The specific company acting asa data controller of your personal information will be listed in the documentation we provide to you. If you are unsure you can also contact us at anytime by telephoning 01904 681198 or by emailing us at dataprotectionofficer@hiscox.com. We collect and process information about you in order to provide insurance policies and to process claims. Your information is also used for business purposes such as fraud prevention and detection and financial management. This may involve sharing your information with, and obtaining information about you from, our group companies and third parties such as brokers, loss adjusters, credit reference agencies, service providers, professional advisors, our regulators or fraud prevention agencies. We may record telephone calls to help us monitor and improve the service we provide. For further information on how your information is used and your rights in relation to your information please see our privacy policy at www.hiscox.co.uk/cookies-privacy. The Direct Debit Guarantee This Guarantee is offered by all banks and building societies that accept instructions to pay Direct Debits. If there are any changes to the amount, date or frequency of your Direct Debit Hiscox Underwriting Ltd will notify you ten working days in advance of your account being debited or as otherwise agreed. If you request Hiscox Underwriting Ltd to collect a payment, confirmation of the amount and date will be given to you at the time of the request. If an error is made in the payment of your Direct Debit by Hiscox Underwriting Ltd or your bank or building society you are entitled to a full and immediate refund of the amount paid from your bank or building society. – If you receive a refund you are not entitled to, you must pay it back when Hiscox Underwriting Ltd asks you to. You can cancel a Direct Debit at anytime by simply contacting your bank or building society. Written confirmation maybe required. Please also notify us. Page / 1 Hiscox Business Insurance Policy summary JAC-PSC-UK-DC556(5.4) 17431b 07/20 Your Hiscox Business Insurance policy summaries This document contains the summaries for any policy covers you have selected to protect your business. These summaries outline the key information about your policies so you can be confident that you have understood what you have bought and what you are covered for. However, you should carefully read your policy in full and ensure that you understand its terms and conditions in full. If you have any queries, you should contact Hiscox or your insurance advisor. Your side of the bargain Remember, your premium and insurance are based on the details you have provided to us. Please make sure this information accurately reflects your business and that you inform us immediately if anything needs to change. Please also tell us of any changes in circumstances that may affect the services provided by us or the cover provided by your policy. This is particularly important before taking out a policy, but it also applies throughout the life of the policy too. You need to consider: ■if you fail to fairly present the risk to us, including by failing to disclose any information material to the insurance, you could invalidate the policy, claims may not be paid or the amount we pay maybe reduced; ■you should read and check all insurance documents to ensure that you are aware of the cover, limits and other terms that apply; ■if you fail to let us know of any changes to your circumstances during the period of insurance or, if when telling us about such changes you fail to present the risk to us fairly, you could invalidate the policy, claims may not be paid or the amount we pay maybe reduced; ■please be aware of all terms and conditions of your policy because failure to comply with them could invalidate it or result in us not paying a claim or reducing the amount we pay; ■in the event ofa claim, you should take note of the required procedures, such as giving Hiscox prompt notice of the claims, as stated in the policy documentation. In particular, if you fail to notify us when you first become aware ofa shortcoming, fact, or problem, admit you are liable for what has happened or appoint solicitors or other legal representation without our prior written approval, claims or defence costs may not be paid or the amount we pay maybe reduced; ■as with any insurance, you have an obligation to take reasonable steps to mitigate any loss or liability; ■if you make a fraudulent claim or try to deceive us, we may terminate the policy. Policy length The period of insurance is shown on your policy schedule. Your policy schedule will also show if the policy is ona continuing cover basis. If itis ona continuing cover basis, we will renew your policy each year for another 12 months and continue to take payment (including any premium adjustment shown in your renewal invitation) using your existing arrangement, unless you tell us otherwise or if your risk changes. If your policy schedule does not show that the policy is ona continuing cover basis, cover will cease at the end of the period of insurance, unless you renew your policy with us. We will provide you witha statement of fact each year and provided that the information contained within the statement of fact is true, complete and accurate, you do not need to provide us with any further information. If any of the information in your statement of fact is not true, complete and accurate, you must let us know. If you do not let us know, it may affect the validity of the policy or our ability to pay a claim. Retroactive dates, geographical and jurisdiction limits Where any section of your policy schedule includes a retroactive date, we will not make any payment for any claim or loss under that section which arises from any activity performed or any act, incident or occurrence taking place, before the retroactive date. Where any section of your policy schedule shows the geographical limits which apply to that section of the policy, we will only pay for claims and losses under that section which arise from activities performed or acts, incidents or occurrences taking place within those geographical limits. Where any section provides cover in respect of your liability to third parties, we will only cover claims first made ina country within the applicable courts stated in that section of your policy schedule. Hiscox Business Insurance Policy summary JAC-PSC-UK-DC556(5.4) 17431b 07/20 Cancellation rights You can cancel this policy by giving us 30 days' notice. You will only be charged for the premiums due up to the date of cancellation. If we need to cancel the policy, we’ll give you 30 days’ notice in writing and refund any surplus premiums you might have paid. Please note – we may deduct an administration fee from any refunded payment.There is an exception to our 30-day notice period, which is triggered when we don’t receive your Direct Debit payments within the agreed 14-day period. At this point, we will contact you as soon as possible and stop the policyPage / 2 immediately. Underwritten by:Hiscox Underwriting Ltd on behalf of the insurers named in the schedule. Page / 1 Certificate of professional indemnity insurance Norman, Davies 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:avxmognkfzj-fikixhyy Name of policy holder:Norman, Davies and Wood Period of insurance: From Tuesday 11 February, 2020 to Sun 21 July, 2024 both days inclusive. This policy isa Continuing cover policy Insurer: Hiscox Insurance Company Limited Retroactive date: 22/03/21 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: Tuesday 11 February, 2020 Insurance details Policy number: avxmognkfzj-fikixhyy Period of insurance: From Tuesday 11 February, 2020 to Sun 21 July, 2024 both days inclusive. This policy isa Continuing cover policy. Insured: Norman, Davies and Wood Address: Studio 1 Smith ville South Sandramouth FARNHAM LA3 8ER Additional insureds: None Business: Management Consultants Premium details Charged premium – the total amount you’ll pay for this policy. Charged premium: £297.83 Insurance Premium Tax (IPT): £9,571.55 Total charged premium: £7,989.37 Annualised premium – the annual premium for this policy. This is given for comparison purposes. Please refer to the charged premium section for the amount you’ll pay for the policy. Annual premium: £297.83 Insurance Premium Tax (IPT): £9,571.55 Annual total: £7,989.37 Please note that there will be no refund or additional premium for any transaction which is less than £20 (excluding IPT). Hiscox Business Insurance Policy Schedule 14502 10/18 Summary Claims information If you need to make a claim: - For claims relating to your building or contents please contact our claims team on 0800 247 1902, 9.00am – 5:30pm Monday to Friday. If you wish to make a claim online, you can log most claims quickly and easily through our claims notification portal at https://claims.hiscox.co.uk/. Outside of normal business hours, if you require emergency assistance in relation to substantial damage to your property, you can speak to our 24-hour emergency assistance team using the telephone number above. Your policy schedule will state if property cover is included in your policy. Our out-of-hours emergency assistance team operate ona pay-and-claim basis and you will need to have credit card details available as appropriate. The team will then be able to direct you to essential tradesmen, emergency loss adjusters or disaster management companies in the event of substantial damage. - If there isa claim (or potential claim) against you bya third party, please email us at liability.claims@hiscox.com. If you need to speak to a member of the claims team urgently, please call our team on 0800 711 7156, 9.00am – 5:30pm Monday to Friday. If you wish to make a claim online, you can log most claims quickly and easily through our claims notification portal at https://claims.hiscox.co.uk/. You will need to provide your full name and contact details, the name of your business or organisation, your address and postcode, the policy reference and circumstances of the claim. The Important information and contact details section below contains additional information specific to the covers applicable to your policy. If you are unsure of who to contact please call our team on 0800 711 7156, 9.00am – 5:30pm Monday to Friday. They will ensure you get through to the correct claims team and let you know what actions you need to take. If anything happens that might be covered under the policy, you must comply with the obligations set out in General claims conditions, together with the obligations set out under Your obligations in the section or sections under which you are making the claim. Itis important that you read the policy for details of its terms in full. Your covers This isa summary of each section of your policy. See each section for cover details. Cover Insurance amount Excess Annual Premium (exc IPT) Professional indemnity £1,000,000 £1,000 £2,659.89 Legal protection £100,000 £0 £1,854.75 Crisis containment £25,000 - £8,865.53 The figures above are in summary only and are not in addition to the 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 11 February, 2020 Limit of indemnity £1,000,000 Limit applies to in the aggregate, including all costs Excess £1,000 Excess applies to each and every claim or loss, including all costs Geographical limits Worldwide Applicable courts Worldwide (excluding United States of America and Canada) Claims brought in USA or Canada Not covered Additional covers (in addition to overall limit of indemnity stated above) Cover Limit of indemnity Limit applies to Court attendance compensation - employees £250 per person, per day Court attendance compensation - directors and partners£500 per person, per day Court attendance compensation: in total £100,000 in the aggregate Special limits (included within not in addition to the overall limit of indemnity stated above) Cover Limit of indemnity Limit applies to Personal dataPage / 2 claims £250,000 in the aggregate, including all costs Business activities Business management consultant Retroactive date 22/03/21 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	avxmognkfzj-fikixhyy	(?<=Policy number - )[-\w_\/\.]+?(?= Company name)	Tuesday 11 February, 2020	(?<=anniversary of your policy is approaching on )[-\w_\/\. ,]+?(?= \.)	null	null	Business	(?<=time to renew your Hiscox )[-\w_\/\. ]+?(?= Insurance)	2024-02-05
hiscox-business-1	Hiscox Business Insurance - Policy number - flwxuuqir Company name: Anderson Group It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : flwxuuqir. Company name: Anderson Group. Your Hiscox Insurance premium. Last year’s annual premium: This year’s annual premium. £ 1,699.27. £ 1,699.27. The premium includes all applicable insurance premium tax (IPT). Dear Mrs Carole Smith. Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on Tuesday 29 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. £3,127.42. £3,127.42. Legal protection. £9,003.79. £9,003.79. Crisis containment. £7,231.96. Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy . Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government increase in Insurance Premium Tax as shown. Is our information correct? Your premium and cover are based on what you’ve told us about Anderson 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 Tuesday 29 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 : flwxuuqir Company name: Anderson Group . It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : flwxuuqir Company name: Anderson Group . Your Hiscox Insurance premium Last year’s annual premium: This year’s annual premium The premium includes all applicable insurance premium tax (IPT). £ 1,699.27 £ 1,699.27 . Your Hiscox Insurance premium . Last year’s annual premium: This year’s annual premium £ 1,699.27 £ 1,699.27 . The premium includes all applicable insurance premium tax (IPT). Dear Mrs Carole Smith . Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on Tuesday 29 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 £3,127.42 £3,127.42 Legal protection £9,003.79 £9,003.79 Crisis containment £7,231.96 Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government increase in Insurance Premium Tax as shown. Is our information correct? Your premium and cover are based on what you’ve told us about Anderson 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 Tuesday 29 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 Tuesday 29 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 £3,127.42 £3,127.42 Legal protection £9,003.79 £9,003.79 Crisis containment £7,231.96 Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government increase in Insurance Premium Tax as shown. Is our information correct? Your premium and cover are based on what you’ve told us about Anderson 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 Tuesday 29 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) £3,127.42 £9,003.79 £7,231.96 . This year’s annual Premium (exc IPT) £3,127.42 £9,003.79 . Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) . Professional indemnity £3,127.42 £3,127.42 . Legal protection £9,003.79 £9,003.79 . Crisis containment £7,231.96 . Kind regards Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre . Kind regards . Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave . To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre . Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Page / 1 Hiscox Business Insurance Policy wording 17431a - DC565 WORDING 04/17Guide to sectionsIntroduction Policy wordings General terms and conditions Professional indemnity for business management consultants Legal protection Crisis containment Hiscox Business Insurance Policy wording 17431a - DC565 WORDING 04/17IntroductionThank you for choosing Hiscox to protect your business. We hope that the language and layout of this policy wording are clear because we want you to understand the insurance we provide as well as the responsibilities we have to each other. Please read this document, including the policy schedule, policy summary and statement of fact, and let us know as soon as possible if any of the details are shown incorrectly. We always try to deliver to the highest standards of service. Your views are important to us, so if you feel that our service is below the standard you would expect from Hiscox, please contact us on the phone number shown in your policy schedule. Please note that some of the words we use in this insurance are shown in bold type. These words are defined in each section of the wording. Page / 1 Hiscox Insurance Payment schedule Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Thank you for continuing to pay for your policy by Direct Debit. Please check these details and let us know if anything is incorrect or if the schedule is not suitable. Your reference details Account holder name: Carole 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 10/03/24 £1,699.27 Where your chosen collection date falls ona non-working day then we will endeavour to collect the next working day. For your information, the collections will be made using the following reference number: Originator Identification Number: 293461 Reference Number: flwxuuqir If you have any questions about your policy or payments, please call us on 0800 280 0351. We’re here between 8:30am - 5:30pm Monday to Friday or you can email us at service@hiscox.co.uk. Using your personal information Hiscox isa trading name ofa number of Hiscox companies. The specific company acting asa data controller of your personal information will be listed in the documentation we provide to you. If you are unsure you can also contact us at anytime by telephoning 01904 681198 or by emailing us at dataprotectionofficer@hiscox.com. We collect and process information about you in order to provide insurance policies and to process claims. Your information is also used for business purposes such as fraud prevention and detection and financial management. This may involve sharing your information with, and obtaining information about you from, our group companies and third parties such as brokers, loss adjusters, credit reference agencies, service providers, professional advisors, our regulators or fraud prevention agencies. We may record telephone calls to help us monitor and improve the service we provide. For further information on how your information is used and your rights in relation to your information please see our privacy policy at www.hiscox.co.uk/cookies-privacy. The Direct Debit Guarantee This Guarantee is offered by all banks and building societies that accept instructions to pay Direct Debits. If there are any changes to the amount, date or frequency of your Direct Debit Hiscox Underwriting Ltd will notify you ten working days in advance of your account being debited or as otherwise agreed. If you request Hiscox Underwriting Ltd to collect a payment, confirmation of the amount and date will be given to you at the time of the request. If an error is made in the payment of your Direct Debit by Hiscox Underwriting Ltd or your bank or building society you are entitled to a full and immediate refund of the amount paid from your bank or building society. – If you receive a refund you are not entitled to, you must pay it back when Hiscox Underwriting Ltd asks you to. You can cancel a Direct Debit at anytime by simply contacting your bank or building society. Written confirmation maybe required. Please also notify us. Page / 1 Hiscox Business Insurance Policy summary JAC-PSC-UK-DC556(5.4) 17431b 07/20 Your Hiscox Business Insurance policy summaries This document contains the summaries for any policy covers you have selected to protect your business. These summaries outline the key information about your policies so you can be confident that you have understood what you have bought and what you are covered for. However, you should carefully read your policy in full and ensure that you understand its terms and conditions in full. If you have any queries, you should contact Hiscox or your insurance advisor. Your side of the bargain Remember, your premium and insurance are based on the details you have provided to us. Please make sure this information accurately reflects your business and that you inform us immediately if anything needs to change. Please also tell us of any changes in circumstances that may affect the services provided by us or the cover provided by your policy. This is particularly important before taking out a policy, but it also applies throughout the life of the policy too. You need to consider: ■if you fail to fairly present the risk to us, including by failing to disclose any information material to the insurance, you could invalidate the policy, claims may not be paid or the amount we pay maybe reduced; ■you should read and check all insurance documents to ensure that you are aware of the cover, limits and other terms that apply; ■if you fail to let us know of any changes to your circumstances during the period of insurance or, if when telling us about such changes you fail to present the risk to us fairly, you could invalidate the policy, claims may not be paid or the amount we pay maybe reduced; ■please be aware of all terms and conditions of your policy because failure to comply with them could invalidate it or result in us not paying a claim or reducing the amount we pay; ■in the event ofa claim, you should take note of the required procedures, such as giving Hiscox prompt notice of the claims, as stated in the policy documentation. In particular, if you fail to notify us when you first become aware ofa shortcoming, fact, or problem, admit you are liable for what has happened or appoint solicitors or other legal representation without our prior written approval, claims or defence costs may not be paid or the amount we pay maybe reduced; ■as with any insurance, you have an obligation to take reasonable steps to mitigate any loss or liability; ■if you make a fraudulent claim or try to deceive us, we may terminate the policy. Policy length The period of insurance is shown on your policy schedule. Your policy schedule will also show if the policy is ona continuing cover basis. If itis ona continuing cover basis, we will renew your policy each year for another 12 months and continue to take payment (including any premium adjustment shown in your renewal invitation) using your existing arrangement, unless you tell us otherwise or if your risk changes. If your policy schedule does not show that the policy is ona continuing cover basis, cover will cease at the end of the period of insurance, unless you renew your policy with us. We will provide you witha statement of fact each year and provided that the information contained within the statement of fact is true, complete and accurate, you do not need to provide us with any further information. If any of the information in your statement of fact is not true, complete and accurate, you must let us know. If you do not let us know, it may affect the validity of the policy or our ability to pay a claim. Retroactive dates, geographical and jurisdiction limits Where any section of your policy schedule includes a retroactive date, we will not make any payment for any claim or loss under that section which arises from any activity performed or any act, incident or occurrence taking place, before the retroactive date. Where any section of your policy schedule shows the geographical limits which apply to that section of the policy, we will only pay for claims and losses under that section which arise from activities performed or acts, incidents or occurrences taking place within those geographical limits. Where any section provides cover in respect of your liability to third parties, we will only cover claims first made ina country within the applicable courts stated in that section of your policy schedule. Hiscox Business Insurance Policy summary JAC-PSC-UK-DC556(5.4) 17431b 07/20 Cancellation rights You can cancel this policy by giving us 30 days' notice. You will only be charged for the premiums due up to the date of cancellation. If we need to cancel the policy, we’ll give you 30 days’ notice in writing and refund any surplus premiums you might have paid. Please note – we may deduct an administration fee from any refunded payment.There is an exception to our 30-day notice period, which is triggered when we don’t receive your Direct Debit payments within the agreed 14-day period. At this point, we will contact you as soon as possible and stop the policyPage / 2 immediately. Underwritten by:Hiscox Underwriting Ltd on behalf of the insurers named in the schedule. Page / 1 Certificate of professional indemnity insurance Anderson 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:flwxuuqir Name of policy holder:Anderson Group Period of insurance: From Tuesday 29 June, 2021 to 03/03/20 both days inclusive. This policy isa Continuing cover policy Insurer: Hiscox Insurance Company Limited Retroactive date: 2023-08-21 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: Tuesday 29 June, 2021 Insurance details Policy number: flwxuuqir Period of insurance: From Tuesday 29 June, 2021 to 03/03/20 both days inclusive. This policy isa Continuing cover policy. Insured: Anderson Group Address: Flat 79h Hewitt overpass Port Kimberleymouth FARNHAM ST9M 7WZ Additional insureds: None Business: Management Consultants Premium details Charged premium – the total amount you’ll pay for this policy. Charged premium: £8,020.54 Insurance Premium Tax (IPT): £6,377.14 Total charged premium: £1,699.27 Annualised premium – the annual premium for this policy. This is given for comparison purposes. Please refer to the charged premium section for the amount you’ll pay for the policy. Annual premium: £8,020.54 Insurance Premium Tax (IPT): £6,377.14 Annual total: £1,699.27 Please note that there will be no refund or additional premium for any transaction which is less than £20 (excluding IPT). Hiscox Business Insurance Policy Schedule 14502 10/18 Summary Claims information If you need to make a claim: - For claims relating to your building or contents please contact our claims team on 0800 247 1902, 9.00am – 5:30pm Monday to Friday. If you wish to make a claim online, you can log most claims quickly and easily through our claims notification portal at https://claims.hiscox.co.uk/. Outside of normal business hours, if you require emergency assistance in relation to substantial damage to your property, you can speak to our 24-hour emergency assistance team using the telephone number above. Your policy schedule will state if property cover is included in your policy. Our out-of-hours emergency assistance team operate ona pay-and-claim basis and you will need to have credit card details available as appropriate. The team will then be able to direct you to essential tradesmen, emergency loss adjusters or disaster management companies in the event of substantial damage. - If there isa claim (or potential claim) against you bya third party, please email us at liability.claims@hiscox.com. If you need to speak to a member of the claims team urgently, please call our team on 0800 711 7156, 9.00am – 5:30pm Monday to Friday. If you wish to make a claim online, you can log most claims quickly and easily through our claims notification portal at https://claims.hiscox.co.uk/. You will need to provide your full name and contact details, the name of your business or organisation, your address and postcode, the policy reference and circumstances of the claim. The Important information and contact details section below contains additional information specific to the covers applicable to your policy. If you are unsure of who to contact please call our team on 0800 711 7156, 9.00am – 5:30pm Monday to Friday. They will ensure you get through to the correct claims team and let you know what actions you need to take. If anything happens that might be covered under the policy, you must comply with the obligations set out in General claims conditions, together with the obligations set out under Your obligations in the section or sections under which you are making the claim. Itis important that you read the policy for details of its terms in full. Your covers This isa summary of each section of your policy. See each section for cover details. Cover Insurance amount Excess Annual Premium (exc IPT) Professional indemnity £1,000,000 £1,000 £3,127.42 Legal protection £100,000 £0 £9,003.79 Crisis containment £25,000 - £7,231.96 The figures above are in summary only and are not in addition to the 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 29 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 dataPage / 2 claims £250,000 in the aggregate, including all costs Business activities Business management consultant Retroactive date 2023-08-21 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	flwxuuqir	(?<=Policy number - )[-\w_\/\.]+?(?= Company name)	Tuesday 29 June, 2021	(?<=anniversary of your policy is approaching on )[-\w_\/\. ,]+?(?= \.)	null	null	Business	(?<=time to renew your Hiscox )[-\w_\/\. ]+?(?= Insurance)	2024-02-05
hiscox-business-1	Hiscox Business Insurance - Policy number - odotdmkbzfbgrwqdr.tud Company name: Thomas-Howe It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : odotdmkbzfbgrwqdr.tud. Company name: Thomas-Howe. Your Hiscox Insurance premium. Last year’s annual premium: This year’s annual premium. £ 9,491.77. £ 9,491.77. The premium includes all applicable insurance premium tax (IPT). Dear Mr Ms Dorothy Cooper. Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on Thu 09 May, 2024 . Good news; if you want cover to continue with us and to make sure you stay protected by our award-winning cover, you do not need to do anything. We will update your policy onto our latest wording and continue to collect payment using the payment details we have for you. You must read the important information contained in this email and the attached documents. Your Hiscox Insurance Premium breakdown. The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). The amount shown as last year’s Annual premium will take into account any changes to the cover which may have been made during the last policy period. Cover. Last year’s annual premium (exc IPT). This year’s annual Premium (exc IPT). Professional indemnity. £1,484.78. £1,484.78. Legal protection. £8,290.80. £8,290.80. Crisis containment. £8,027.55. Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy . Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government 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-Howe , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay. . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover. Policy summary for each cover. ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover . As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, 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 May, 2024 . We’re here between 8:30am - 5:30pm Monday to Friday . Please note that we can only discuss policy changes with people named on the policy. Why renew with Hiscox. - Reassuring: we offer a range of cover options that can be tailored to your needs. - Flexible: we offer full flexibility to change your policy, with no administration fees . - Award-winning cover : we’ve been named Best Small Business Insurer 7 years running by Start Your Business Magazine . Please click this link for the Hiscox Referral Portal: https://refer.aklamio.com/hiscox/uk?source=postpurchase. Thank you again for choosing Hiscox to insure your business. We hope you and your business have a very successful year. Kind regards. Jon Dye. CEO, Hiscox UK. Business Insurance for the small and the brave. To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre. Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. This email and any files transmitted with it are confidential and intended solely for the use of the individual or entity to whom they are addressed. No one else is authorised to distribute, forward, print, copy or act upon any information contained in this email. If you have received this email in error, please notify the sender. Hiscox Syndicates Limited and Hiscox Insurance Company Limited are authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Hiscox Underwriting Limited, Hiscox Underwriting Services Ltd, Hiscox MGA Ltd and Hiscox ASM Ltd are authorised and regulated by the Financial Conduct Authority. Hiscox Assure SAS is duly registered as an insurance broker with the ORIAS, which is the French Official Registry of Insurance Intermediaries. Hiscox plc is a company registered in England and Wales under company registration number 2837811 and registered office at 1 Great St Helen's, London EC3A 6HX. Hiscox SA is a company registered in Luxembourg at 35 Avenue John F. Kennedy 35F, Luxembourg L-1855, and is authorised by the Commissariat aux Assurances de Luxembourg. It’s time to renew your Hiscox Business Insurance Hiscox Insurance policy number : odotdmkbzfbgrwqdr.tud Company name: Thomas-Howe . It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : odotdmkbzfbgrwqdr.tud Company name: Thomas-Howe . Your Hiscox Insurance premium Last year’s annual premium: This year’s annual premium The premium includes all applicable insurance premium tax (IPT). £ 9,491.77 £ 9,491.77 . Your Hiscox Insurance premium . Last year’s annual premium: This year’s annual premium £ 9,491.77 £ 9,491.77 . The premium includes all applicable insurance premium tax (IPT). Dear Mr Ms Dorothy Cooper . Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on Thu 09 May, 2024 . Good news; if you want cover to continue with us and to make sure you stay protected by our award-winning cover, you do not need to do anything. We will update your policy onto our latest wording and continue to collect payment using the payment details we have for you. You must read the important information contained in this email and the attached documents Your Hiscox Insurance Premium breakdown The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). The amount shown as last year’s Annual premium will take into account any changes to the cover which may have been made during the last policy period. Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) Professional indemnity £1,484.78 £1,484.78 Legal protection £8,290.80 £8,290.80 Crisis containment £8,027.55 Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government 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-Howe , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover Policy summary for each cover ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, 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 May, 2024 . We’re here between 8:30am - 5:30pm Monday to Friday . Please note that we can only discuss policy changes with people named on the policy. Why renew with Hiscox - Reassuring: we offer a range of cover options that can be tailored to your needs - Flexible: we offer full flexibility to change your policy, with no administration fees - Award-winning cover : we’ve been named Best Small Business Insurer 7 years running by Start Your Business Magazine Please click this link for the Hiscox Referral Portal: https://refer.aklamio.com/hiscox/uk?source=postpurchase Thank you again for choosing Hiscox to insure your business. We hope you and your business have a very successful year. Kind regards Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on Thu 09 May, 2024 . Good news; if you want cover to continue with us and to make sure you stay protected by our award-winning cover, you do not need to do anything. We will update your policy onto our latest wording and continue to collect payment using the payment details we have for you. You must read the important information contained in this email and the attached documents Your Hiscox Insurance Premium breakdown The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). The amount shown as last year’s Annual premium will take into account any changes to the cover which may have been made during the last policy period. Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) Professional indemnity £1,484.78 £1,484.78 Legal protection £8,290.80 £8,290.80 Crisis containment £8,027.55 Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government 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-Howe , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover Policy summary for each cover ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, 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 May, 2024 . We’re here between 8:30am - 5:30pm Monday to Friday . Please note that we can only discuss policy changes with people named on the policy. Why renew with Hiscox - Reassuring: we offer a range of cover options that can be tailored to your needs - Flexible: we offer full flexibility to change your policy, with no administration fees - Award-winning cover : we’ve been named Best Small Business Insurer 7 years running by Start Your Business Magazine Please click this link for the Hiscox Referral Portal: https://refer.aklamio.com/hiscox/uk?source=postpurchase Thank you again for choosing Hiscox to insure your business. We hope you and your business have a very successful year. Kind regards Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Your Hiscox Insurance Premium breakdown The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). Cover Professional indemnity Legal protection Crisis containment . Last year’s annual premium (exc IPT) £1,484.78 £8,290.80 £8,027.55 . This year’s annual Premium (exc IPT) £1,484.78 £8,290.80 . Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) . Professional indemnity £1,484.78 £1,484.78 . Legal protection £8,290.80 £8,290.80 . Crisis containment £8,027.55 . Kind regards Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre . Kind regards . Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave . To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre . Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Page / 1 Hiscox Business Insurance Policy wording 17431a - DC565 WORDING 04/17Guide to sectionsIntroduction Policy wordings General terms and conditions Professional indemnity for business management consultants Legal protection Crisis containment Hiscox Business Insurance Policy wording 17431a - DC565 WORDING 04/17IntroductionThank you for choosing Hiscox to protect your business. We hope that the language and layout of this policy wording are clear because we want you to understand the insurance we provide as well as the responsibilities we have to each other. Please read this document, including the policy schedule, policy summary and statement of fact, and let us know as soon as possible if any of the details are shown incorrectly. We always try to deliver to the highest standards of service. Your views are important to us, so if you feel that our service is below the standard you would expect from Hiscox, please contact us on the phone number shown in your policy schedule. Please note that some of the words we use in this insurance are shown in bold type. These words are defined in each section of the wording. Page / 1 Hiscox Insurance Payment schedule Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Thank you for continuing to pay for your policy by Direct Debit. Please 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 Dorothy Cooper Frequency of collection: Annual Sort code: %BANK_SORT_CODE_1% Account number: %BANK_ACCOUNT_NUMBER_1% Your Direct Debit schedule We will take payments on the dates outlined below: Date Amount 05/01/2020 £9,491.77 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: odotdmkbzfbgrwqdr.tud If you have any questions about your policy or payments, please call us on 0800 280 0351. We’re here between 8:30am - 5:30pm Monday to Friday or you can email us at service@hiscox.co.uk. Using your personal information Hiscox isa trading name ofa number of Hiscox companies. The specific company acting asa data controller of your personal information will be listed in the documentation we provide to you. If you are unsure you can also contact us at anytime by telephoning 01904 681198 or by emailing us at dataprotectionofficer@hiscox.com. We collect and process information about you in order to provide insurance policies and to process claims. Your information is also used for business purposes such as fraud prevention and detection and financial management. This may involve sharing your information with, and obtaining information about you from, our group companies and third parties such as brokers, loss adjusters, credit reference agencies, service providers, professional advisors, our regulators or fraud prevention agencies. We may record telephone calls to help us monitor and improve the service we provide. For further information on how your information is used and your rights in relation to your information please see our privacy policy at www.hiscox.co.uk/cookies-privacy. The Direct Debit Guarantee This Guarantee is offered by all banks and building societies that accept instructions to pay Direct Debits. If there are any changes to the amount, date or frequency of your Direct Debit Hiscox Underwriting Ltd will notify you ten working days in advance of your account being debited or as otherwise agreed. If you request Hiscox Underwriting Ltd to collect a payment, confirmation of the amount and date will be given to you at the time of the request. If an error is made in the payment of your Direct Debit by Hiscox Underwriting Ltd or your bank or building society you are entitled to a full and immediate refund of the amount paid from your bank or building society. – If you receive a refund you are not entitled to, you must pay it back when Hiscox Underwriting Ltd asks you to. You can cancel a Direct Debit at anytime by simply contacting your bank or building society. Written confirmation maybe required. Please also notify us. Page / 1 Hiscox Business Insurance Policy summary JAC-PSC-UK-DC556(5.4) 17431b 07/20 Your Hiscox Business Insurance policy summaries This document contains the summaries for any policy covers you have selected to protect your business. These summaries outline the key information about your policies so you can be confident that you have understood what you have bought and what you are covered for. However, you should carefully read your policy in full and ensure that you understand its terms and conditions in full. If you have any queries, you should contact Hiscox or your insurance advisor. Your side of the bargain Remember, your premium and insurance are based on the details you have provided to us. Please make sure this information accurately reflects your business and that you inform us immediately if anything needs to change. Please also tell us of any changes in circumstances that may affect the services provided by us or the cover provided by your policy. This is particularly important before taking out a policy, but it also applies throughout the life of the policy too. You need to consider: ■if you fail to fairly present the risk to us, including by failing to disclose any information material to the insurance, you could invalidate the policy, claims may not be paid or the amount we pay maybe reduced; ■you should read and check all insurance documents to ensure that you are aware of the cover, limits and other terms that apply; ■if you fail to let us know of any changes to your circumstances during the period of insurance or, if when telling us about such changes you fail to present the risk to us fairly, you could invalidate the policy, claims may not be paid or the amount we pay maybe reduced; ■please be aware of all terms and conditions of your policy because failure to comply with them could invalidate it or result in us not paying a claim or reducing the amount we pay; ■in the event ofa claim, you should take note of the required procedures, such as giving Hiscox prompt notice of the claims, as stated in the policy documentation. In particular, if you fail to notify us when you first become aware ofa shortcoming, fact, or problem, admit you are liable for what has happened or appoint solicitors or other legal representation without our prior written approval, claims or defence costs may not be paid or the amount we pay maybe reduced; ■as with any insurance, you have an obligation to take reasonable steps to mitigate any loss or liability; ■if you make a fraudulent claim or try to deceive us, we may terminate the policy. Policy length The period of insurance is shown on your policy schedule. Your policy schedule will also show if the policy is ona continuing cover basis. If itis ona continuing cover basis, we will renew your policy each year for another 12 months and continue to take payment (including any premium adjustment shown in your renewal invitation) using your existing arrangement, unless you tell us otherwise or if your risk changes. If your policy schedule does not show that the policy is ona continuing cover basis, cover will cease at the end of the period of insurance, unless you renew your policy with us. We will provide you witha statement of fact each year and provided that the information contained within the statement of fact is true, complete and accurate, you do not need to provide us with any further information. If any of the information in your statement of fact is not true, complete and accurate, you must let us know. If you do not let us know, it may affect the validity of the policy or our ability to pay a claim. Retroactive dates, geographical and jurisdiction limits Where any section of your policy schedule includes a retroactive date, we will not make any payment for any claim or loss under that section which arises from any activity performed or any act, incident or occurrence taking place, before the retroactive date. Where any section of your policy schedule shows the geographical limits which apply to that section of the policy, we will only pay for claims and losses under that section which arise from activities performed or acts, incidents or occurrences taking place within those geographical limits. Where any section provides cover in respect of your liability to third parties, we will only cover claims first made ina country within the applicable courts stated in that section of your policy schedule. Hiscox Business Insurance Policy summary JAC-PSC-UK-DC556(5.4) 17431b 07/20 Cancellation rights You can cancel this policy by giving us 30 days' notice. You will only be charged for the premiums due up to the date of cancellation. If we need to cancel the policy, we’ll give you 30 days’ notice in writing and refund any surplus premiums you might have paid. Please note – we may deduct an administration fee from any refunded payment.There is an exception to our 30-day notice period, which is triggered when we don’t receive your Direct Debit payments within the agreed 14-day period. At this point, we will contact you as soon as possible and stop the 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-Howe Hiscox Underwriting Ltd of 1 Great St. Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Certificate of professional indemnity Insurance Policy number:odotdmkbzfbgrwqdr.tud Name of policy holder:Thomas-Howe Period of insurance: From Thu 09 May, 2024 to Monday 30 March, 2020 both days inclusive. This policy isa Continuing cover policy Insurer: Hiscox Insurance Company Limited Retroactive date: 09/03/20 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: Thu 09 May, 2024 Insurance details Policy number: odotdmkbzfbgrwqdr.tud Period of insurance: From Thu 09 May, 2024 to Monday 30 March, 2020 both days inclusive. This policy isa Continuing cover policy. Insured: Thomas-Howe Address: 551 Brown summit Lawrenceborough FARNHAM N2 2UZ Additional insureds: None Business: Management Consultants Premium details Charged premium – the total amount you’ll pay for this policy. Charged premium: £661.85 Insurance Premium Tax (IPT): £2,777.99 Total charged premium: £9,491.77 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: £661.85 Insurance Premium Tax (IPT): £2,777.99 Annual total: £9,491.77 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 £1,484.78 Legal protection £100,000 £0 £8,290.80 Crisis containment £25,000 - £8,027.55 The figures above are in summary only and are not in addition to the 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 May, 2024 Limit of indemnity £1,000,000 Limit applies to in the aggregate, including all costs Excess £1,000 Excess applies to each and every claim or loss, including all costs Geographical limits Worldwide Applicable courts Worldwide (excluding United States of America and Canada) Claims brought in USA or Canada Not covered Additional covers (in addition to overall limit of indemnity stated above) Cover Limit of indemnity Limit applies to Court attendance compensation - employees £250 per person, per day Court attendance compensation - directors and partners£500 per person, per day Court attendance compensation: in total £100,000 in the aggregate Special limits (included within not in addition to the overall limit of indemnity stated above) Cover Limit of indemnity Limit applies to Personal dataPage / 2 claims £250,000 in the aggregate, including all costs Business activities Business management consultant Retroactive date 09/03/20 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	odotdmkbzfbgrwqdr.tud	(?<=Policy number - )[-\w_\/\.]+?(?= Company name)	Thu 09 May, 2024	(?<=anniversary of your policy is approaching on )[-\w_\/\. ,]+?(?= \.)	null	null	Business	(?<=time to renew your Hiscox )[-\w_\/\. ]+?(?= Insurance)	2024-02-05
hiscox-business-1	Hiscox Business Insurance - Policy number - tcwrccztdkgayaon Company name: White-Lowe It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : tcwrccztdkgayaon. Company name: White-Lowe. Your Hiscox Insurance premium. Last year’s annual premium: This year’s annual premium. £ 3,616.70. £ 3,616.70. The premium includes all applicable insurance premium tax (IPT). Dear Dr Liam Barber. Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on Sun 23 March, 2025 . Good news; if you want cover to continue with us and to make sure you stay protected by our award-winning cover, you do not need to do anything. We will update your policy onto our latest wording and continue to collect payment using the payment details we have for you. You must read the important information contained in this email and the attached documents. Your Hiscox Insurance Premium breakdown. The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). The amount shown as last year’s Annual premium will take into account any changes to the cover which may have been made during the last policy period. Cover. Last year’s annual premium (exc IPT). This year’s annual Premium (exc IPT). Professional indemnity. £1,642.94. £1,642.94. Legal protection. £8,756.78. £8,756.78. Crisis containment. £4,764.81. Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy . Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government increase in Insurance Premium Tax as shown. Is our information correct? Your premium and cover are based on what you’ve told us about White-Lowe , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay. . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover. Policy summary for each cover. ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover . As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, 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 23 March, 2025 . We’re here between 8:30am - 5:30pm Monday to Friday . Please note that we can only discuss policy changes with people named on the policy. Why renew with Hiscox. - Reassuring: we offer a range of cover options that can be tailored to your needs. - Flexible: we offer full flexibility to change your policy, with no administration fees . - Award-winning cover : we’ve been named Best Small Business Insurer 7 years running by Start Your Business Magazine . Please click this link for the Hiscox Referral Portal: https://refer.aklamio.com/hiscox/uk?source=postpurchase. Thank you again for choosing Hiscox to insure your business. We hope you and your business have a very successful year. Kind regards. Jon Dye. CEO, Hiscox UK. Business Insurance for the small and the brave. To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre. Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. This email and any files transmitted with it are confidential and intended solely for the use of the individual or entity to whom they are addressed. No one else is authorised to distribute, forward, print, copy or act upon any information contained in this email. If you have received this email in error, please notify the sender. Hiscox Syndicates Limited and Hiscox Insurance Company Limited are authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Hiscox Underwriting Limited, Hiscox Underwriting Services Ltd, Hiscox MGA Ltd and Hiscox ASM Ltd are authorised and regulated by the Financial Conduct Authority. Hiscox Assure SAS is duly registered as an insurance broker with the ORIAS, which is the French Official Registry of Insurance Intermediaries. Hiscox plc is a company registered in England and Wales under company registration number 2837811 and registered office at 1 Great St Helen's, London EC3A 6HX. Hiscox SA is a company registered in Luxembourg at 35 Avenue John F. Kennedy 35F, Luxembourg L-1855, and is authorised by the Commissariat aux Assurances de Luxembourg. It’s time to renew your Hiscox Business Insurance Hiscox Insurance policy number : tcwrccztdkgayaon Company name: White-Lowe . It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : tcwrccztdkgayaon Company name: White-Lowe . Your Hiscox Insurance premium Last year’s annual premium: This year’s annual premium The premium includes all applicable insurance premium tax (IPT). £ 3,616.70 £ 3,616.70 . Your Hiscox Insurance premium . Last year’s annual premium: This year’s annual premium £ 3,616.70 £ 3,616.70 . The premium includes all applicable insurance premium tax (IPT). Dear Dr Liam Barber . Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on Sun 23 March, 2025 . Good news; if you want cover to continue with us and to make sure you stay protected by our award-winning cover, you do not need to do anything. We will update your policy onto our latest wording and continue to collect payment using the payment details we have for you. You must read the important information contained in this email and the attached documents Your Hiscox Insurance Premium breakdown The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). The amount shown as last year’s Annual premium will take into account any changes to the cover which may have been made during the last policy period. Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) Professional indemnity £1,642.94 £1,642.94 Legal protection £8,756.78 £8,756.78 Crisis containment £4,764.81 Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government increase in Insurance Premium Tax as shown. Is our information correct? Your premium and cover are based on what you’ve told us about White-Lowe , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover Policy summary for each cover ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, 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 23 March, 2025 . We’re here between 8:30am - 5:30pm Monday to Friday . Please note that we can only discuss policy changes with people named on the policy. Why renew with Hiscox - Reassuring: we offer a range of cover options that can be tailored to your needs - Flexible: we offer full flexibility to change your policy, with no administration fees - Award-winning cover : we’ve been named Best Small Business Insurer 7 years running by Start Your Business Magazine Please click this link for the Hiscox Referral Portal: https://refer.aklamio.com/hiscox/uk?source=postpurchase Thank you again for choosing Hiscox to insure your business. We hope you and your business have a very successful year. Kind regards Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on Sun 23 March, 2025 . Good news; if you want cover to continue with us and to make sure you stay protected by our award-winning cover, you do not need to do anything. We will update your policy onto our latest wording and continue to collect payment using the payment details we have for you. You must read the important information contained in this email and the attached documents Your Hiscox Insurance Premium breakdown The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). The amount shown as last year’s Annual premium will take into account any changes to the cover which may have been made during the last policy period. Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) Professional indemnity £1,642.94 £1,642.94 Legal protection £8,756.78 £8,756.78 Crisis containment £4,764.81 Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government increase in Insurance Premium Tax as shown. Is our information correct? Your premium and cover are based on what you’ve told us about White-Lowe , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover Policy summary for each cover ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, 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 23 March, 2025 . We’re here between 8:30am - 5:30pm Monday to Friday . Please note that we can only discuss policy changes with people named on the policy. Why renew with Hiscox - Reassuring: we offer a range of cover options that can be tailored to your needs - Flexible: we offer full flexibility to change your policy, with no administration fees - Award-winning cover : we’ve been named Best Small Business Insurer 7 years running by Start Your Business Magazine Please click this link for the Hiscox Referral Portal: https://refer.aklamio.com/hiscox/uk?source=postpurchase Thank you again for choosing Hiscox to insure your business. We hope you and your business have a very successful year. Kind regards Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Your Hiscox Insurance Premium breakdown The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). Cover Professional indemnity Legal protection Crisis containment . Last year’s annual premium (exc IPT) £1,642.94 £8,756.78 £4,764.81 . This year’s annual Premium (exc IPT) £1,642.94 £8,756.78 . Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) . Professional indemnity £1,642.94 £1,642.94 . Legal protection £8,756.78 £8,756.78 . Crisis containment £4,764.81 . Kind regards Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre . Kind regards . Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave . To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre . Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Page / 1 Hiscox Business Insurance Policy wording 17431a - DC565 WORDING 04/17Guide to sectionsIntroduction Policy wordings General terms and conditions Professional indemnity for business management consultants Legal protection Crisis containment Hiscox Business Insurance Policy wording 17431a - DC565 WORDING 04/17IntroductionThank you for choosing Hiscox to protect your business. We hope that the language and layout of this policy wording are clear because we want you to understand the insurance we provide as well as the responsibilities we have to each other. Please read this document, including the policy schedule, policy summary and statement of fact, and let us know as soon as possible if any of the details are shown incorrectly. We always try to deliver to the highest standards of service. Your views are important to us, so if you feel that our service is below the standard you would expect from Hiscox, please contact us on the phone number shown in your policy schedule. Please note that some of the words we use in this insurance are shown in bold type. These words are defined in each section of the wording. Page / 1 Hiscox Insurance Payment schedule Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Thank you for continuing to pay for your policy by Direct Debit. Please 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 Barber Frequency of collection: Annual Sort code: %BANK_SORT_CODE_1% Account number: %BANK_ACCOUNT_NUMBER_1% Your Direct Debit schedule We will take payments on the dates outlined below: Date Amount 01/06/2022 £3,616.70 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: tcwrccztdkgayaon If you have any questions about your policy or payments, please call us on 0800 280 0351. We’re here between 8:30am - 5:30pm Monday to Friday or you can email us at service@hiscox.co.uk. Using your personal information Hiscox isa trading name ofa number of Hiscox companies. The specific company acting asa data controller of your personal information will be listed in the documentation we provide to you. If you are unsure you can also contact us at anytime by telephoning 01904 681198 or by emailing us at dataprotectionofficer@hiscox.com. We collect and process information about you in order to provide insurance policies and to process claims. Your information is also used for business purposes such as fraud prevention and detection and financial management. This may involve sharing your information with, and obtaining information about you from, our group companies and third parties such as brokers, loss adjusters, credit reference agencies, service providers, professional advisors, our regulators or fraud prevention agencies. We may record telephone calls to help us monitor and improve the service we provide. For further information on how your information is used and your rights in relation to your information please see our privacy policy at www.hiscox.co.uk/cookies-privacy. The Direct Debit Guarantee This Guarantee is offered by all banks and building societies that accept instructions to pay Direct Debits. If there are any changes to the amount, date or frequency of your Direct Debit Hiscox Underwriting Ltd will notify you ten working days in advance of your account being debited or as otherwise agreed. If you request Hiscox Underwriting Ltd to collect a payment, confirmation of the amount and date will be given to you at the time of the request. If an error is made in the payment of your Direct Debit by Hiscox Underwriting Ltd or your bank or building society you are entitled to a full and immediate refund of the amount paid from your bank or building society. – If you receive a refund you are not entitled to, you must pay it back when Hiscox Underwriting Ltd asks you to. You can cancel a Direct Debit at anytime by simply contacting your bank or building society. Written confirmation maybe required. Please also notify us. Page / 1 Hiscox Business Insurance Policy summary JAC-PSC-UK-DC556(5.4) 17431b 07/20 Your Hiscox Business Insurance policy summaries This document contains the summaries for any policy covers you have selected to protect your business. These summaries outline the key information about your policies so you can be confident that you have understood what you have bought and what you are covered for. However, you should carefully read your policy in full and ensure that you understand its terms and conditions in full. If you have any queries, you should contact Hiscox or your insurance advisor. Your side of the bargain Remember, your premium and insurance are based on the details you have provided to us. Please make sure this information accurately reflects your business and that you inform us immediately if anything needs to change. Please also tell us of any changes in circumstances that may affect the services provided by us or the cover provided by your policy. This is particularly important before taking out a policy, but it also applies throughout the life of the policy too. You need to consider: ■if you fail to fairly present the risk to us, including by failing to disclose any information material to the insurance, you could invalidate the policy, claims may not be paid or the amount we pay maybe reduced; ■you should read and check all insurance documents to ensure that you are aware of the cover, limits and other terms that apply; ■if you fail to let us know of any changes to your circumstances during the period of insurance or, if when telling us about such changes you fail to present the risk to us fairly, you could invalidate the policy, claims may not be paid or the amount we pay maybe reduced; ■please be aware of all terms and conditions of your policy because failure to comply with them could invalidate it or result in us not paying a claim or reducing the amount we pay; ■in the event ofa claim, you should take note of the required procedures, such as giving Hiscox prompt notice of the claims, as stated in the policy documentation. In particular, if you fail to notify us when you first become aware ofa shortcoming, fact, or problem, admit you are liable for what has happened or appoint solicitors or other legal representation without our prior written approval, claims or defence costs may not be paid or the amount we pay maybe reduced; ■as with any insurance, you have an obligation to take reasonable steps to mitigate any loss or liability; ■if you make a fraudulent claim or try to deceive us, we may terminate the policy. Policy length The period of insurance is shown on your policy schedule. Your policy schedule will also show if the policy is ona continuing cover basis. If itis ona continuing cover basis, we will renew your policy each year for another 12 months and continue to take payment (including any premium adjustment shown in your renewal invitation) using your existing arrangement, unless you tell us otherwise or if your risk changes. If your policy schedule does not show that the policy is ona continuing cover basis, cover will cease at the end of the period of insurance, unless you renew your policy with us. We will provide you witha statement of fact each year and provided that the information contained within the statement of fact is true, complete and accurate, you do not need to provide us with any further information. If any of the information in your statement of fact is not true, complete and accurate, you must let us know. If you do not let us know, it may affect the validity of the policy or our ability to pay a claim. Retroactive dates, geographical and jurisdiction limits Where any section of your policy schedule includes a retroactive date, we will not make any payment for any claim or loss under that section which arises from any activity performed or any act, incident or occurrence taking place, before the retroactive date. Where any section of your policy schedule shows the geographical limits which apply to that section of the policy, we will only pay for claims and losses under that section which arise from activities performed or acts, incidents or occurrences taking place within those geographical limits. Where any section provides cover in respect of your liability to third parties, we will only cover claims first made ina country within the applicable courts stated in that section of your policy schedule. Hiscox Business Insurance Policy summary JAC-PSC-UK-DC556(5.4) 17431b 07/20 Cancellation rights You can cancel this policy by giving us 30 days' notice. You will only be charged for the premiums due up to the date of cancellation. If we need to cancel the policy, we’ll give you 30 days’ notice in writing and refund any surplus premiums you might have paid. Please note – we may deduct an administration fee from any refunded payment.There is an exception to our 30-day notice period, which is triggered when we don’t receive your Direct Debit payments within the agreed 14-day period. At this point, we will contact you as soon as possible and stop the policyPage / 2 immediately. Underwritten by:Hiscox Underwriting Ltd on behalf of the insurers named in the schedule. Page / 1 Certificate of professional indemnity insurance White-Lowe Hiscox Underwriting Ltd of 1 Great St. Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Certificate of professional indemnity Insurance Policy number:tcwrccztdkgayaon Name of policy holder:White-Lowe Period of insurance: From Sun 23 March, 2025 to 26 September, 2022 both days inclusive. This policy isa Continuing cover policy Insurer: Hiscox Insurance Company Limited Retroactive date: Sunday 21 April, 2019 Level of cover:£1,000,000 Signed on behalf of Hiscox Underwriting Limited as agent for the insurers Jon Dye CEO, Hiscox UK Notes: (a) This insurance is subject to policy terms and conditions and any special terms notified to the InsuredPage / 1 Hiscox Business Insurance Policy Schedule 14502 10/18 This schedule tells you what is insured with us. It should be read carefully with your policy wording(s) and statement of fact detailed elsewhere in this document. Schedule effective date: Sun 23 March, 2025 Insurance details Policy number: tcwrccztdkgayaon Period of insurance: From Sun 23 March, 2025 to 26 September, 2022 both days inclusive. This policy isa Continuing cover policy. Insured: White-Lowe Address: Studio 7 White throughway Justinton FARNHAM PA2 4BY Additional insureds: None Business: Management Consultants Premium details Charged premium – the total amount you’ll pay for this policy. Charged premium: £1,460.08 Insurance Premium Tax (IPT): £7,803.52 Total charged premium: £3,616.70 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: £1,460.08 Insurance Premium Tax (IPT): £7,803.52 Annual total: £3,616.70 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 £1,642.94 Legal protection £100,000 £0 £8,756.78 Crisis containment £25,000 - £4,764.81 The figures above are in summary only and are not in addition to the 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 23 March, 2025 Limit of indemnity £1,000,000 Limit applies to in the aggregate, including all costs Excess £1,000 Excess applies to each and every claim or loss, including all costs Geographical limits Worldwide Applicable courts Worldwide (excluding United States of America and Canada) Claims brought in USA or Canada Not covered Additional covers (in addition to overall limit of indemnity stated above) Cover Limit of indemnity Limit applies to Court attendance compensation - employees £250 per person, per day Court attendance compensation - directors and partners£500 per person, per day Court attendance compensation: in total £100,000 in the aggregate Special limits (included within not in addition to the overall limit of indemnity stated above) Cover Limit of indemnity Limit applies to Personal dataPage / 2 claims £250,000 in the aggregate, including all costs Business activities Business management consultant Retroactive date Sunday 21 April, 2019 Insurer Hiscox Insurance Company LimitedPage / 1 Hiscox Insurance Summary of change Introduction This document has been created to help you understand the key changes to your Hiscox Insurance policy and how they may impact you. Your policy continues to offer professional, tailored insurance to protect you and give you peace of mind that if you need us, you will be supported by our award winning claims team. If you have a query not covered by this document, or if you have any questions or concerns about your policy you should contact us. Frequently asked questions What if my circumstances change during the period of insurance? If your circumstances change during the period of insurance, you only need to let us know if the change means that any of the information in the Statement of Fact is no longer true, complete and accurate. If there are no such changes, you do not need to let us know. If any of the information within the Statement of Fact becomes no longer complete, true or accurate at any point during the period of insurance you must tell us as it may affect the validity of the policy or our ability to pay a claim. Additionally, if your contact details change then you should let us know straightaway. Where doI find the limits that apply to my policy? You can find your maximum allowable limits for turnover and wage rollin your Statement of Fact. You must check this information and tell us or your broker if you expect to exceed the maximum amounts shown. Please note these values may have changed. If there are special limits or special excesses applying to particular covers or types of losses these will be shown in the policy schedule. Please check your policy schedule carefully as they may have changed. My new schedule shows a different premium to last year? What has changed? If an underwriter has reviewed your policy then they may have manually adjusted your premium, for example if you’ve had claims in the last 12 months. Where doI find out about any endorsements on my policy? You will be able to see if an endorsement has been applied or removed by reviewing your Policy Schedule. If you have any queries or concerns, please contact us or your broker if you have one. Hiscox Insurance Summary of change Professional indemnity for business management consultants Summary of change Changes to the cover The following table shows the differences between our new policy wordings (5570 WD- PROF-UK-MAN(7), 15579 WD-PROF-UK-MAN-AG(3)) and our previous wordings (5570 WD-PROF-UK-MAN(6), 15579 WD-PROF-UK-MAN-AG(2)). This isa summary of the changes only. You should refer to the schedule and policy wording for the full description of the cover in place. Area of cover Previous policy New policy Improvement in cover Claims against you Advertising claims. We will pay claims arising from your advertising or branding for defamation or infringement of copyright or moral rights. This does not include claims for passing off, unauthorised use of trademarks or false or misleading advertising. Previously cover was not restricted to defamation or the infringement of copyright or moral rights.Covered Amended Your own lossesChanges to ‘what is covered’ Losses from dishonesty. Your losses arising from the dishonesty of your employees, sub-contractors or outsourcers.Covered Not covered Area of cover Previous policy New policy Improvement in cover Cyber incident. We will not pay claims relating to an actual or possible cyber attack, hacker or social engineering communication. Previously we excluded any virus not specifically targeted at your system.Covered Not covered Computer or digital technology error. We will not pay claims arising from any negligent act, error or omission in the operation or maintenance of computer or digital technology such as development, installation, patching or upgrading.Covered Not coveredChanges to ‘what is not covered’ Infrastructure. We will not pay claims arising from the failure of the service provided by internet, telecommunications, utilities or other infrastructure providers.Covered Not covered Hiscox Insurance Summary of change Personal data. We will not pay claims relating to personal data. We will pay such claims where they arise from your performance ofa business activity and which is not otherwise excluded. Subject to the limit shown in the schedule.Covered Not covered Other important changes Control of defence. Under the previous wording we had a duty to defend you against any covered claim brought against you. We now have the right but not the obligation to take control of the conduct of the claim including the appointment of legal representation. Please refer to the policy wording for full details. SOC-PROF-UK-MAN(1) 21367 01/21	tcwrccztdkgayaon	(?<=Policy number - )[-\w_\/\.]+?(?= Company name)	Sun 23 March, 2025	(?<=anniversary of your policy is approaching on )[-\w_\/\. ,]+?(?= \.)	null	null	Business	(?<=time to renew your Hiscox )[-\w_\/\. ]+?(?= Insurance)	2024-02-05
hiscox-business-1	Hiscox Business Insurance - Policy number - 8JLZ4CBCH-03F.HE/DKXL2 Company name: Parker Group It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : 8JLZ4CBCH-03F.HE/DKXL2. Company name: Parker Group. Your Hiscox Insurance premium. Last year’s annual premium: This year’s annual premium. £ 2,876.14. £ 2,876.14. The premium includes all applicable insurance premium tax (IPT). Dear Ms Charles Booth. Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on Saturday 05 April, 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. £8,113.04. £8,113.04. Legal protection. £4,233.69. £4,233.69. Crisis containment. £6,333.62. Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy . Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government increase in Insurance Premium Tax as shown. Is our information correct? Your premium and cover are based on what you’ve told us about Parker 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 Saturday 05 April, 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 : 8JLZ4CBCH-03F.HE/DKXL2 Company name: Parker Group . It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : 8JLZ4CBCH-03F.HE/DKXL2 Company name: Parker Group . Your Hiscox Insurance premium Last year’s annual premium: This year’s annual premium The premium includes all applicable insurance premium tax (IPT). £ 2,876.14 £ 2,876.14 . Your Hiscox Insurance premium . Last year’s annual premium: This year’s annual premium £ 2,876.14 £ 2,876.14 . The premium includes all applicable insurance premium tax (IPT). Dear Ms Charles Booth . Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on Saturday 05 April, 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 £8,113.04 £8,113.04 Legal protection £4,233.69 £4,233.69 Crisis containment £6,333.62 Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government increase in Insurance Premium Tax as shown. Is our information correct? Your premium and cover are based on what you’ve told us about Parker 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 Saturday 05 April, 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 Saturday 05 April, 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 £8,113.04 £8,113.04 Legal protection £4,233.69 £4,233.69 Crisis containment £6,333.62 Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government increase in Insurance Premium Tax as shown. Is our information correct? Your premium and cover are based on what you’ve told us about Parker 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 Saturday 05 April, 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) £8,113.04 £4,233.69 £6,333.62 . This year’s annual Premium (exc IPT) £8,113.04 £4,233.69 . Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) . Professional indemnity £8,113.04 £8,113.04 . Legal protection £4,233.69 £4,233.69 . Crisis containment £6,333.62 . Kind regards Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre . Kind regards . Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave . To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre . Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Page / 1 Hiscox Business Insurance Policy wording 17431a - DC565 WORDING 04/17Guide to sectionsIntroduction Policy wordings General terms and conditions Professional indemnity for business management consultants Legal protection Crisis containment Hiscox Business Insurance Policy wording 17431a - DC565 WORDING 04/17IntroductionThank you for choosing Hiscox to protect your business. We hope that the language and layout of this policy wording are clear because we want you to understand the insurance we provide as well as the responsibilities we have to each other. Please read this document, including the policy schedule, policy summary and statement of fact, and let us know as soon as possible if any of the details are shown incorrectly. We always try to deliver to the highest standards of service. Your views are important to us, so if you feel that our service is below the standard you would expect from Hiscox, please contact us on the phone number shown in your policy schedule. Please note that some of the words we use in this insurance are shown in bold type. These words are defined in each section of the wording. Page / 1 Hiscox Insurance Payment schedule Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Thank you for continuing to pay for your policy by Direct Debit. Please 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 Booth Frequency of collection: Annual Sort code: %BANK_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 £2,876.14 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: 8JLZ4CBCH-03F.HE/DKXL2 If you have any questions about your policy or payments, please call us on 0800 280 0351. We’re here between 8:30am - 5:30pm Monday to Friday or you can email us at service@hiscox.co.uk. Using your personal information Hiscox isa trading name ofa number of Hiscox companies. The specific company acting asa data controller of your personal information will be listed in the documentation we provide to you. If you are unsure you can also contact us at anytime by telephoning 01904 681198 or by emailing us at dataprotectionofficer@hiscox.com. We collect and process information about you in order to provide insurance policies and to process claims. Your information is also used for business purposes such as fraud prevention and detection and financial management. This may involve sharing your information with, and obtaining information about you from, our group companies and third parties such as brokers, loss adjusters, credit reference agencies, service providers, professional advisors, our regulators or fraud prevention agencies. We may record telephone calls to help us monitor and improve the service we provide. For further information on how your information is used and your rights in relation to your information please see our privacy policy at www.hiscox.co.uk/cookies-privacy. The Direct Debit Guarantee This Guarantee is offered by all banks and building societies that accept instructions to pay Direct Debits. If there are any changes to the amount, date or frequency of your Direct Debit Hiscox Underwriting Ltd will notify you ten working days in advance of your account being debited or as otherwise agreed. If you request Hiscox Underwriting Ltd to collect a payment, confirmation of the amount and date will be given to you at the time of the request. If an error is made in the payment of your Direct Debit by Hiscox Underwriting Ltd or your bank or building society you are entitled to a full and immediate refund of the amount paid from your bank or building society. – If you receive a refund you are not entitled to, you must pay it back when Hiscox Underwriting Ltd asks you to. You can cancel a Direct Debit at anytime by simply contacting your bank or building society. Written confirmation maybe required. Please also notify us. Page / 1 Hiscox Business Insurance Policy summary JAC-PSC-UK-DC556(5.4) 17431b 07/20 Your Hiscox Business Insurance policy summaries This document contains the summaries for any policy covers you have selected to protect your business. These summaries outline the key information about your policies so you can be confident that you have understood what you have bought and what you are covered for. However, you should carefully read your policy in full and ensure that you understand its terms and conditions in full. If you have any queries, you should contact Hiscox or your insurance advisor. Your side of the bargain Remember, your premium and insurance are based on the details you have provided to us. Please make sure this information accurately reflects your business and that you inform us immediately if anything needs to change. Please also tell us of any changes in circumstances that may affect the services provided by us or the cover provided by your policy. This is particularly important before taking out a policy, but it also applies throughout the life of the policy too. You need to consider: ■if you fail to fairly present the risk to us, including by failing to disclose any information material to the insurance, you could invalidate the policy, claims may not be paid or the amount we pay maybe reduced; ■you should read and check all insurance documents to ensure that you are aware of the cover, limits and other terms that apply; ■if you fail to let us know of any changes to your circumstances during the period of insurance or, if when telling us about such changes you fail to present the risk to us fairly, you could invalidate the policy, claims may not be paid or the amount we pay maybe reduced; ■please be aware of all terms and conditions of your policy because failure to comply with them could invalidate it or result in us not paying a claim or reducing the amount we pay; ■in the event ofa claim, you should take note of the required procedures, such as giving Hiscox prompt notice of the claims, as stated in the policy documentation. In particular, if you fail to notify us when you first become aware ofa shortcoming, fact, or problem, admit you are liable for what has happened or appoint solicitors or other legal representation without our prior written approval, claims or defence costs may not be paid or the amount we pay maybe reduced; ■as with any insurance, you have an obligation to take reasonable steps to mitigate any loss or liability; ■if you make a fraudulent claim or try to deceive us, we may terminate the policy. Policy length The period of insurance is shown on your policy schedule. Your policy schedule will also show if the policy is ona continuing cover basis. If itis ona continuing cover basis, we will renew your policy each year for another 12 months and continue to take payment (including any premium adjustment shown in your renewal invitation) using your existing arrangement, unless you tell us otherwise or if your risk changes. If your policy schedule does not show that the policy is ona continuing cover basis, cover will cease at the end of the period of insurance, unless you renew your policy with us. We will provide you witha statement of fact each year and provided that the information contained within the statement of fact is true, complete and accurate, you do not need to provide us with any further information. If any of the information in your statement of fact is not true, complete and accurate, you must let us know. If you do not let us know, it may affect the validity of the policy or our ability to pay a claim. Retroactive dates, geographical and jurisdiction limits Where any section of your policy schedule includes a retroactive date, we will not make any payment for any claim or loss under that section which arises from any activity performed or any act, incident or occurrence taking place, before the retroactive date. Where any section of your policy schedule shows the geographical limits which apply to that section of the policy, we will only pay for claims and losses under that section which arise from activities performed or acts, incidents or occurrences taking place within those geographical limits. Where any section provides cover in respect of your liability to third parties, we will only cover claims first made ina country within the applicable courts stated in that section of your policy schedule. Hiscox Business Insurance Policy summary JAC-PSC-UK-DC556(5.4) 17431b 07/20 Cancellation rights You can cancel this policy by giving us 30 days' notice. You will only be charged for the premiums due up to the date of cancellation. If we need to cancel the policy, we’ll give you 30 days’ notice in writing and refund any surplus premiums you might have paid. Please note – we may deduct an administration fee from any refunded payment.There is an exception to our 30-day notice period, which is triggered when we don’t receive your Direct Debit payments within the agreed 14-day period. At this point, we will contact you as soon as possible and stop the policyPage / 2 immediately. Underwritten by:Hiscox Underwriting Ltd on behalf of the insurers named in the schedule. Page / 1 Certificate of professional indemnity insurance Parker 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:8JLZ4CBCH-03F.HE/DKXL2 Name of policy holder:Parker Group Period of insurance: From Saturday 05 April, 2025 to Mon 29 July, 2024 both days inclusive. This policy isa Continuing cover policy Insurer: Hiscox Insurance Company Limited Retroactive date: Sat 31 August, 2024 Level of cover:£1,000,000 Signed on behalf of Hiscox Underwriting Limited as agent for the insurers Jon Dye CEO, Hiscox UK Notes: (a) This insurance is subject to policy terms and conditions and any special terms notified to the InsuredPage / 1 Hiscox Business Insurance Policy Schedule 14502 10/18 This schedule tells you what is insured with us. It should be read carefully with your policy wording(s) and statement of fact detailed elsewhere in this document. Schedule effective date: Saturday 05 April, 2025 Insurance details Policy number: 8JLZ4CBCH-03F.HE/DKXL2 Period of insurance: From Saturday 05 April, 2025 to Mon 29 July, 2024 both days inclusive. This policy isa Continuing cover policy. Insured: Parker Group Address: Flat 08 Dominic cape Port Nicola FARNHAM B1 9RL Additional insureds: None Business: Management Consultants Premium details Charged premium – the total amount you’ll pay for this policy. Charged premium: £6,690.90 Insurance Premium Tax (IPT): £6,725.71 Total charged premium: £2,876.14 Annualised premium – the annual premium for this policy. This is given for comparison purposes. Please refer to the charged premium section for the amount you’ll pay for the policy. Annual premium: £6,690.90 Insurance Premium Tax (IPT): £6,725.71 Annual total: £2,876.14 Please note that there will be no refund or additional premium for any transaction which is less than £20 (excluding IPT). Hiscox Business Insurance Policy Schedule 14502 10/18 Summary Claims information If you need to make a claim: - For claims relating to your building or contents please contact our claims team on 0800 247 1902, 9.00am – 5:30pm Monday to Friday. If you wish to make a claim online, you can log most claims quickly and easily through our claims notification portal at https://claims.hiscox.co.uk/. Outside of normal business hours, if you require emergency assistance in relation to substantial damage to your property, you can speak to our 24-hour emergency assistance team using the telephone number above. Your policy schedule will state if property cover is included in your policy. Our out-of-hours emergency assistance team operate ona pay-and-claim basis and you will need to have credit card details available as appropriate. The team will then be able to direct you to essential tradesmen, emergency loss adjusters or disaster management companies in the event of substantial damage. - If there isa claim (or potential claim) against you bya third party, please email us at liability.claims@hiscox.com. If you need to speak to a member of the claims team urgently, please call our team on 0800 711 7156, 9.00am – 5:30pm Monday to Friday. If you wish to make a claim online, you can log most claims quickly and easily through our claims notification portal at https://claims.hiscox.co.uk/. You will need to provide your full name and contact details, the name of your business or organisation, your address and postcode, the policy reference and circumstances of the claim. The Important information and contact details section below contains additional information specific to the covers applicable to your policy. If you are unsure of who to contact please call our team on 0800 711 7156, 9.00am – 5:30pm Monday to Friday. They will ensure you get through to the correct claims team and let you know what actions you need to take. If anything happens that might be covered under the policy, you must comply with the obligations set out in General claims conditions, together with the obligations set out under Your obligations in the section or sections under which you are making the claim. Itis important that you read the policy for details of its terms in full. Your covers This isa summary of each section of your policy. See each section for cover details. Cover Insurance amount Excess Annual Premium (exc IPT) Professional indemnity £1,000,000 £1,000 £8,113.04 Legal protection £100,000 £0 £4,233.69 Crisis containment £25,000 - £6,333.62 The figures above are in summary only and are not in addition to the amount insured specified against each cover section below. Hiscox Business Insurance Policy Schedule 14502 10/18 SECTION: PROFESSIONAL INDEMNITY – MANAGEMENT CONSULTANTS Cover start date: Saturday 05 April, 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 dataPage / 2 claims £250,000 in the aggregate, including all costs Business activities Business management consultant Retroactive date Sat 31 August, 2024 Insurer Hiscox Insurance Company LimitedPage / 1 Hiscox Insurance Summary of change Introduction This document has been created to help you understand the key changes to your Hiscox Insurance policy and how they may impact you. Your policy continues to offer professional, tailored insurance to protect you and give you peace of mind that if you need us, you will be supported by our award winning claims team. If you have a query not covered by this document, or if you have any questions or concerns about your policy you should contact us. Frequently asked questions What if my circumstances change during the period of insurance? If your circumstances change during the period of insurance, you only need to let us know if the change means that any of the information in the Statement of Fact is no longer true, complete and accurate. If there are no such changes, you do not need to let us know. If any of the information within the Statement of Fact becomes no longer complete, true or accurate at any point during the period of insurance you must tell us as it may affect the validity of the policy or our ability to pay a claim. Additionally, if your contact details change then you should let us know straightaway. Where doI find the limits that apply to my policy? You can find your maximum allowable limits for turnover and wage rollin your Statement of Fact. You must check this information and tell us or your broker if you expect to exceed the maximum amounts shown. Please note these values may have changed. If there are special limits or special excesses applying to particular covers or types of losses these will be shown in the policy schedule. Please check your policy schedule carefully as they may have changed. My new schedule shows a different premium to last year? What has changed? If an underwriter has reviewed your policy then they may have manually adjusted your premium, for example if you’ve had claims in the last 12 months. Where doI find out about any endorsements on my policy? You will be able to see if an endorsement has been applied or removed by reviewing your Policy Schedule. If you have any queries or concerns, please contact us or your broker if you have one. Hiscox Insurance Summary of change Professional indemnity for business management consultants Summary of change Changes to the cover The following table shows the differences between our new policy wordings (5570 WD- PROF-UK-MAN(7), 15579 WD-PROF-UK-MAN-AG(3)) and our previous wordings (5570 WD-PROF-UK-MAN(6), 15579 WD-PROF-UK-MAN-AG(2)). This isa summary of the changes only. You should refer to the schedule and policy wording for the full description of the cover in place. Area of cover Previous policy New policy Improvement in cover Claims against you Advertising claims. We will pay claims arising from your advertising or branding for defamation or infringement of copyright or moral rights. This does not include claims for passing off, unauthorised use of trademarks or false or misleading advertising. Previously cover was not restricted to defamation or the infringement of copyright or moral rights.Covered Amended Your own lossesChanges to ‘what is covered’ Losses from dishonesty. Your losses arising from the dishonesty of your employees, sub-contractors or outsourcers.Covered Not covered Area of cover Previous policy New policy Improvement in cover Cyber incident. We will not pay claims relating to an actual or possible cyber attack, hacker or social engineering communication. Previously we excluded any virus not specifically targeted at your system.Covered Not covered Computer or digital technology error. We will not pay claims arising from any negligent act, error or omission in the operation or maintenance of computer or digital technology such as development, installation, patching or upgrading.Covered Not coveredChanges to ‘what is not covered’ Infrastructure. We will not pay claims arising from the failure of the service provided by internet, telecommunications, utilities or other infrastructure providers.Covered Not covered Hiscox Insurance Summary of change Personal data. We will not pay claims relating to personal data. We will pay such claims where they arise from your performance ofa business activity and which is not otherwise excluded. Subject to the limit shown in the schedule.Covered Not covered Other important changes Control of defence. Under the previous wording we had a duty to defend you against any covered claim brought against you. We now have the right but not the obligation to take control of the conduct of the claim including the appointment of legal representation. Please refer to the policy wording for full details. SOC-PROF-UK-MAN(1) 21367 01/21	8JLZ4CBCH-03F.HE/DKXL2	(?<=Policy number - )[-\w_\/\.]+?(?= Company name)	Saturday 05 April, 2025	(?<=anniversary of your policy is approaching on )[-\w_\/\. ,]+?(?= \.)	null	null	Business	(?<=time to renew your Hiscox )[-\w_\/\. ]+?(?= Insurance)	2024-02-05
hiscox-business-1	Hiscox Business Insurance - Policy number - 69/T.SH8PJT3 Company name: Davies Inc It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : 69/T.SH8PJT3. Company name: Davies Inc. Your Hiscox Insurance premium. Last year’s annual premium: This year’s annual premium. £ 3,975.41. £ 3,975.41. The premium includes all applicable insurance premium tax (IPT). Dear Miss Owen Newman. Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on Mon 11 March, 2019 . Good news; if you want cover to continue with us and to make sure you stay protected by our award-winning cover, you do not need to do anything. We will update your policy onto our latest wording and continue to collect payment using the payment details we have for you. You must read the important information contained in this email and the attached documents. Your Hiscox Insurance Premium breakdown. The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). The amount shown as last year’s Annual premium will take into account any changes to the cover which may have been made during the last policy period. Cover. Last year’s annual premium (exc IPT). This year’s annual Premium (exc IPT). Professional indemnity. £3,291.45. £3,291.45. Legal protection. £8,434.12. £8,434.12. Crisis containment. £1,144.53. Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy . Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government 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 Inc , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay. . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover. Policy summary for each cover. ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover . As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before Mon 11 March, 2019 . We’re here between 8:30am - 5:30pm Monday to Friday . Please note that we can only discuss policy changes with people named on the policy. Why renew with Hiscox. - Reassuring: we offer a range of cover options that can be tailored to your needs. - Flexible: we offer full flexibility to change your policy, with no administration fees . - Award-winning cover : we’ve been named Best Small Business Insurer 7 years running by Start Your Business Magazine . Please click this link for the Hiscox Referral Portal: https://refer.aklamio.com/hiscox/uk?source=postpurchase. Thank you again for choosing Hiscox to insure your business. We hope you and your business have a very successful year. Kind regards. Jon Dye. CEO, Hiscox UK. Business Insurance for the small and the brave. To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre. Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. This email and any files transmitted with it are confidential and intended solely for the use of the individual or entity to whom they are addressed. No one else is authorised to distribute, forward, print, copy or act upon any information contained in this email. If you have received this email in error, please notify the sender. Hiscox Syndicates Limited and Hiscox Insurance Company Limited are authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Hiscox Underwriting Limited, Hiscox Underwriting Services Ltd, Hiscox MGA Ltd and Hiscox ASM Ltd are authorised and regulated by the Financial Conduct Authority. Hiscox Assure SAS is duly registered as an insurance broker with the ORIAS, which is the French Official Registry of Insurance Intermediaries. Hiscox plc is a company registered in England and Wales under company registration number 2837811 and registered office at 1 Great St Helen's, London EC3A 6HX. Hiscox SA is a company registered in Luxembourg at 35 Avenue John F. Kennedy 35F, Luxembourg L-1855, and is authorised by the Commissariat aux Assurances de Luxembourg. It’s time to renew your Hiscox Business Insurance Hiscox Insurance policy number : 69/T.SH8PJT3 Company name: Davies Inc . It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : 69/T.SH8PJT3 Company name: Davies Inc . Your Hiscox Insurance premium Last year’s annual premium: This year’s annual premium The premium includes all applicable insurance premium tax (IPT). £ 3,975.41 £ 3,975.41 . Your Hiscox Insurance premium . Last year’s annual premium: This year’s annual premium £ 3,975.41 £ 3,975.41 . The premium includes all applicable insurance premium tax (IPT). Dear Miss Owen Newman . Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on Mon 11 March, 2019 . Good news; if you want cover to continue with us and to make sure you stay protected by our award-winning cover, you do not need to do anything. We will update your policy onto our latest wording and continue to collect payment using the payment details we have for you. You must read the important information contained in this email and the attached documents Your Hiscox Insurance Premium breakdown The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). The amount shown as last year’s Annual premium will take into account any changes to the cover which may have been made during the last policy period. Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) Professional indemnity £3,291.45 £3,291.45 Legal protection £8,434.12 £8,434.12 Crisis containment £1,144.53 Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government 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 Inc , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover Policy summary for each cover ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before Mon 11 March, 2019 . We’re here between 8:30am - 5:30pm Monday to Friday . Please note that we can only discuss policy changes with people named on the policy. Why renew with Hiscox - Reassuring: we offer a range of cover options that can be tailored to your needs - Flexible: we offer full flexibility to change your policy, with no administration fees - Award-winning cover : we’ve been named Best Small Business Insurer 7 years running by Start Your Business Magazine Please click this link for the Hiscox Referral Portal: https://refer.aklamio.com/hiscox/uk?source=postpurchase Thank you again for choosing Hiscox to insure your business. We hope you and your business have a very successful year. Kind regards Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on Mon 11 March, 2019 . Good news; if you want cover to continue with us and to make sure you stay protected by our award-winning cover, you do not need to do anything. We will update your policy onto our latest wording and continue to collect payment using the payment details we have for you. You must read the important information contained in this email and the attached documents Your Hiscox Insurance Premium breakdown The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). The amount shown as last year’s Annual premium will take into account any changes to the cover which may have been made during the last policy period. Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) Professional indemnity £3,291.45 £3,291.45 Legal protection £8,434.12 £8,434.12 Crisis containment £1,144.53 Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government 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 Inc , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover Policy summary for each cover ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before Mon 11 March, 2019 . We’re here between 8:30am - 5:30pm Monday to Friday . Please note that we can only discuss policy changes with people named on the policy. Why renew with Hiscox - Reassuring: we offer a range of cover options that can be tailored to your needs - Flexible: we offer full flexibility to change your policy, with no administration fees - Award-winning cover : we’ve been named Best Small Business Insurer 7 years running by Start Your Business Magazine Please click this link for the Hiscox Referral Portal: https://refer.aklamio.com/hiscox/uk?source=postpurchase Thank you again for choosing Hiscox to insure your business. We hope you and your business have a very successful year. Kind regards Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Your Hiscox Insurance Premium breakdown The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). Cover Professional indemnity Legal protection Crisis containment . Last year’s annual premium (exc IPT) £3,291.45 £8,434.12 £1,144.53 . This year’s annual Premium (exc IPT) £3,291.45 £8,434.12 . Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) . Professional indemnity £3,291.45 £3,291.45 . Legal protection £8,434.12 £8,434.12 . Crisis containment £1,144.53 . Kind regards Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre . Kind regards . Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave . To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre . Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Page / 1 Hiscox Business Insurance Policy wording 17431a - DC565 WORDING 04/17Guide to sectionsIntroduction Policy wordings General terms and conditions Professional indemnity for business management consultants Legal protection Crisis containment Hiscox Business Insurance Policy wording 17431a - DC565 WORDING 04/17IntroductionThank you for choosing Hiscox to protect your business. We hope that the language and layout of this policy wording are clear because we want you to understand the insurance we provide as well as the responsibilities we have to each other. Please read this document, including the policy schedule, policy summary and statement of fact, and let us know as soon as possible if any of the details are shown incorrectly. We always try to deliver to the highest standards of service. Your views are important to us, so if you feel that our service is below the standard you would expect from Hiscox, please contact us on the phone number shown in your policy schedule. Please note that some of the words we use in this insurance are shown in bold type. These words are defined in each section of the wording. Page / 1 Hiscox Insurance Payment schedule Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Thank you for continuing to pay for your policy by Direct Debit. Please check these details and let us know if anything is incorrect or if the schedule is not suitable. Your reference details Account holder name: Owen 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 Mon 21 February, 2022 £3,975.41 Where your chosen collection date falls ona non-working day then we will endeavour to collect the next working day. For your information, the collections will be made using the following reference number: Originator Identification Number: 293461 Reference Number: 69/T.SH8PJT3 If you have any questions about your policy or payments, please call us on 0800 280 0351. We’re here between 8:30am - 5:30pm Monday to Friday or you can email us at service@hiscox.co.uk. Using your personal information Hiscox isa trading name ofa number of Hiscox companies. The specific company acting asa data controller of your personal information will be listed in the documentation we provide to you. If you are unsure you can also contact us at anytime by telephoning 01904 681198 or by emailing us at dataprotectionofficer@hiscox.com. We collect and process information about you in order to provide insurance policies and to process claims. Your information is also used for business purposes such as fraud prevention and detection and financial management. This may involve sharing your information with, and obtaining information about you from, our group companies and third parties such as brokers, loss adjusters, credit reference agencies, service providers, professional advisors, our regulators or fraud prevention agencies. We may record telephone calls to help us monitor and improve the service we provide. For further information on how your information is used and your rights in relation to your information please see our privacy policy at www.hiscox.co.uk/cookies-privacy. The Direct Debit Guarantee This Guarantee is offered by all banks and building societies that accept instructions to pay Direct Debits. If there are any changes to the amount, date or frequency of your Direct Debit Hiscox Underwriting Ltd will notify you ten working days in advance of your account being debited or as otherwise agreed. If you request Hiscox Underwriting Ltd to collect a payment, confirmation of the amount and date will be given to you at the time of the request. If an error is made in the payment of your Direct Debit by Hiscox Underwriting Ltd or your bank or building society you are entitled to a full and immediate refund of the amount paid from your bank or building society. – If you receive a refund you are not entitled to, you must pay it back when Hiscox Underwriting Ltd asks you to. You can cancel a Direct Debit at anytime by simply contacting your bank or building society. Written confirmation maybe required. Please also notify us. Page / 1 Hiscox Business Insurance Policy summary JAC-PSC-UK-DC556(5.4) 17431b 07/20 Your Hiscox Business Insurance policy summaries This document contains the summaries for any policy covers you have selected to protect your business. These summaries outline the key information about your policies so you can be confident that you have understood what you have bought and what you are covered for. However, you should carefully read your policy in full and ensure that you understand its terms and conditions in full. If you have any queries, you should contact Hiscox or your insurance advisor. Your side of the bargain Remember, your premium and insurance are based on the details you have provided to us. Please make sure this information accurately reflects your business and that you inform us immediately if anything needs to change. Please also tell us of any changes in circumstances that may affect the services provided by us or the cover provided by your policy. This is particularly important before taking out a policy, but it also applies throughout the life of the policy too. You need to consider: ■if you fail to fairly present the risk to us, including by failing to disclose any information material to the insurance, you could invalidate the policy, claims may not be paid or the amount we pay maybe reduced; ■you should read and check all insurance documents to ensure that you are aware of the cover, limits and other terms that apply; ■if you fail to let us know of any changes to your circumstances during the period of insurance or, if when telling us about such changes you fail to present the risk to us fairly, you could invalidate the policy, claims may not be paid or the amount we pay maybe reduced; ■please be aware of all terms and conditions of your policy because failure to comply with them could invalidate it or result in us not paying a claim or reducing the amount we pay; ■in the event ofa claim, you should take note of the required procedures, such as giving Hiscox prompt notice of the claims, as stated in the policy documentation. In particular, if you fail to notify us when you first become aware ofa shortcoming, fact, or problem, admit you are liable for what has happened or appoint solicitors or other legal representation without our prior written approval, claims or defence costs may not be paid or the amount we pay maybe reduced; ■as with any insurance, you have an obligation to take reasonable steps to mitigate any loss or liability; ■if you make a fraudulent claim or try to deceive us, we may terminate the policy. Policy length The period of insurance is shown on your policy schedule. Your policy schedule will also show if the policy is ona continuing cover basis. If itis ona continuing cover basis, we will renew your policy each year for another 12 months and continue to take payment (including any premium adjustment shown in your renewal invitation) using your existing arrangement, unless you tell us otherwise or if your risk changes. If your policy schedule does not show that the policy is ona continuing cover basis, cover will cease at the end of the period of insurance, unless you renew your policy with us. We will provide you witha statement of fact each year and provided that the information contained within the statement of fact is true, complete and accurate, you do not need to provide us with any further information. If any of the information in your statement of fact is not true, complete and accurate, you must let us know. If you do not let us know, it may affect the validity of the policy or our ability to pay a claim. Retroactive dates, geographical and jurisdiction limits Where any section of your policy schedule includes a retroactive date, we will not make any payment for any claim or loss under that section which arises from any activity performed or any act, incident or occurrence taking place, before the retroactive date. Where any section of your policy schedule shows the geographical limits which apply to that section of the policy, we will only pay for claims and losses under that section which arise from activities performed or acts, incidents or occurrences taking place within those geographical limits. Where any section provides cover in respect of your liability to third parties, we will only cover claims first made ina country within the applicable courts stated in that section of your policy schedule. Hiscox Business Insurance Policy summary JAC-PSC-UK-DC556(5.4) 17431b 07/20 Cancellation rights You can cancel this policy by giving us 30 days' notice. You will only be charged for the premiums due up to the date of cancellation. If we need to cancel the policy, we’ll give you 30 days’ notice in writing and refund any surplus premiums you might have paid. Please note – we may deduct an administration fee from any refunded payment.There is an exception to our 30-day notice period, which is triggered when we don’t receive your Direct Debit payments within the agreed 14-day period. At this point, we will contact you as soon as possible and stop the 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 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:69/T.SH8PJT3 Name of policy holder:Davies Inc Period of insurance: From Mon 11 March, 2019 to 28/09/24 both days inclusive. This policy isa Continuing cover policy Insurer: Hiscox Insurance Company Limited Retroactive date: Sat 19 November, 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: Mon 11 March, 2019 Insurance details Policy number: 69/T.SH8PJT3 Period of insurance: From Mon 11 March, 2019 to 28/09/24 both days inclusive. This policy isa Continuing cover policy. Insured: Davies Inc Address: Studio 40 Sharpe camp Peterchester FARNHAM G1 1WQ Additional insureds: None Business: Management Consultants Premium details Charged premium – the total amount you’ll pay for this policy. Charged premium: £3,041.92 Insurance Premium Tax (IPT): £3,553.84 Total charged premium: £3,975.41 Annualised premium – the annual premium for this policy. This is given for comparison purposes. Please refer to the charged premium section for the amount you’ll pay for the policy. Annual premium: £3,041.92 Insurance Premium Tax (IPT): £3,553.84 Annual total: £3,975.41 Please note that there will be no refund or additional premium for any transaction which is less than £20 (excluding IPT). Hiscox Business Insurance Policy Schedule 14502 10/18 Summary Claims information If you need to make a claim: - For claims relating to your building or contents please contact our claims team on 0800 247 1902, 9.00am – 5:30pm Monday to Friday. If you wish to make a claim online, you can log most claims quickly and easily through our claims notification portal at https://claims.hiscox.co.uk/. Outside of normal business hours, if you require emergency assistance in relation to substantial damage to your property, you can speak to our 24-hour emergency assistance team using the telephone number above. Your policy schedule will state if property cover is included in your policy. Our out-of-hours emergency assistance team operate ona pay-and-claim basis and you will need to have credit card details available as appropriate. The team will then be able to direct you to essential tradesmen, emergency loss adjusters or disaster management companies in the event of substantial damage. - If there isa claim (or potential claim) against you bya third party, please email us at liability.claims@hiscox.com. If you need to speak to a member of the claims team urgently, please call our team on 0800 711 7156, 9.00am – 5:30pm Monday to Friday. If you wish to make a claim online, you can log most claims quickly and easily through our claims notification portal at https://claims.hiscox.co.uk/. You will need to provide your full name and contact details, the name of your business or organisation, your address and postcode, the policy reference and circumstances of the claim. The Important information and contact details section below contains additional information specific to the covers applicable to your policy. If you are unsure of who to contact please call our team on 0800 711 7156, 9.00am – 5:30pm Monday to Friday. They will ensure you get through to the correct claims team and let you know what actions you need to take. If anything happens that might be covered under the policy, you must comply with the obligations set out in General claims conditions, together with the obligations set out under Your obligations in the section or sections under which you are making the claim. Itis important that you read the policy for details of its terms in full. Your covers This isa summary of each section of your policy. See each section for cover details. Cover Insurance amount Excess Annual Premium (exc IPT) Professional indemnity £1,000,000 £1,000 £3,291.45 Legal protection £100,000 £0 £8,434.12 Crisis containment £25,000 - £1,144.53 The figures above are in summary only and are not in addition to the 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 11 March, 2019 Limit of indemnity £1,000,000 Limit applies to in the aggregate, including all costs Excess £1,000 Excess applies to each and every claim or loss, including all costs Geographical limits Worldwide Applicable courts Worldwide (excluding United States of America and Canada) Claims brought in USA or Canada Not covered Additional covers (in addition to overall limit of indemnity stated above) Cover Limit of indemnity Limit applies to Court attendance compensation - employees £250 per person, per day Court attendance compensation - directors and partners£500 per person, per day Court attendance compensation: in total £100,000 in the aggregate Special limits (included within not in addition to the overall limit of indemnity stated above) Cover Limit of indemnity Limit applies to Personal dataPage / 2 claims £250,000 in the aggregate, including all costs Business activities Business management consultant Retroactive date Sat 19 November, 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	69/T.SH8PJT3	(?<=Policy number - )[-\w_\/\.]+?(?= Company name)	Mon 11 March, 2019	(?<=anniversary of your policy is approaching on )[-\w_\/\. ,]+?(?= \.)	null	null	Business	(?<=time to renew your Hiscox )[-\w_\/\. ]+?(?= Insurance)	2024-02-05
hiscox-business-1	Hiscox Business Insurance - Policy number - XEL_-J/QIDOMPT.C-K Company name: Potter, Reid and Davies It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : XEL_-J/QIDOMPT.C-K. Company name: Potter, Reid and Davies. Your Hiscox Insurance premium. Last year’s annual premium: This year’s annual premium. £ 1,130.07. £ 1,130.07. The premium includes all applicable insurance premium tax (IPT). Dear Dr John Mason. Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 22/05/25 . Good news; if you want cover to continue with us and to make sure you stay protected by our award-winning cover, you do not need to do anything. We will update your policy onto our latest wording and continue to collect payment using the payment details we have for you. You must read the important information contained in this email and the attached documents. Your Hiscox Insurance Premium breakdown. The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). The amount shown as last year’s Annual premium will take into account any changes to the cover which may have been made during the last policy period. Cover. Last year’s annual premium (exc IPT). This year’s annual Premium (exc IPT). Professional indemnity. £1,527.73. £1,527.73. Legal protection. £8,215.55. £8,215.55. Crisis containment. £8,559.17. Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy . Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government 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, Reid and Davies , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay. . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover. Policy summary for each cover. ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover . As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before 22/05/25 . We’re here between 8:30am - 5:30pm Monday to Friday . Please note that we can only discuss policy changes with people named on the policy. Why renew with Hiscox. - Reassuring: we offer a range of cover options that can be tailored to your needs. - Flexible: we offer full flexibility to change your policy, with no administration fees . - Award-winning cover : we’ve been named Best Small Business Insurer 7 years running by Start Your Business Magazine . Please click this link for the Hiscox Referral Portal: https://refer.aklamio.com/hiscox/uk?source=postpurchase. Thank you again for choosing Hiscox to insure your business. We hope you and your business have a very successful year. Kind regards. Jon Dye. CEO, Hiscox UK. Business Insurance for the small and the brave. To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre. Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. This email and any files transmitted with it are confidential and intended solely for the use of the individual or entity to whom they are addressed. No one else is authorised to distribute, forward, print, copy or act upon any information contained in this email. If you have received this email in error, please notify the sender. Hiscox Syndicates Limited and Hiscox Insurance Company Limited are authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Hiscox Underwriting Limited, Hiscox Underwriting Services Ltd, Hiscox MGA Ltd and Hiscox ASM Ltd are authorised and regulated by the Financial Conduct Authority. Hiscox Assure SAS is duly registered as an insurance broker with the ORIAS, which is the French Official Registry of Insurance Intermediaries. Hiscox plc is a company registered in England and Wales under company registration number 2837811 and registered office at 1 Great St Helen's, London EC3A 6HX. Hiscox SA is a company registered in Luxembourg at 35 Avenue John F. Kennedy 35F, Luxembourg L-1855, and is authorised by the Commissariat aux Assurances de Luxembourg. It’s time to renew your Hiscox Business Insurance Hiscox Insurance policy number : XEL_-J/QIDOMPT.C-K Company name: Potter, Reid and Davies . It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : XEL_-J/QIDOMPT.C-K Company name: Potter, Reid and Davies . Your Hiscox Insurance premium Last year’s annual premium: This year’s annual premium The premium includes all applicable insurance premium tax (IPT). £ 1,130.07 £ 1,130.07 . Your Hiscox Insurance premium . Last year’s annual premium: This year’s annual premium £ 1,130.07 £ 1,130.07 . The premium includes all applicable insurance premium tax (IPT). Dear Dr John Mason . Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 22/05/25 . Good news; if you want cover to continue with us and to make sure you stay protected by our award-winning cover, you do not need to do anything. We will update your policy onto our latest wording and continue to collect payment using the payment details we have for you. You must read the important information contained in this email and the attached documents Your Hiscox Insurance Premium breakdown The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). The amount shown as last year’s Annual premium will take into account any changes to the cover which may have been made during the last policy period. Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) Professional indemnity £1,527.73 £1,527.73 Legal protection £8,215.55 £8,215.55 Crisis containment £8,559.17 Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government 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, Reid and Davies , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover Policy summary for each cover ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before 22/05/25 . We’re here between 8:30am - 5:30pm Monday to Friday . Please note that we can only discuss policy changes with people named on the policy. Why renew with Hiscox - Reassuring: we offer a range of cover options that can be tailored to your needs - Flexible: we offer full flexibility to change your policy, with no administration fees - Award-winning cover : we’ve been named Best Small Business Insurer 7 years running by Start Your Business Magazine Please click this link for the Hiscox Referral Portal: https://refer.aklamio.com/hiscox/uk?source=postpurchase Thank you again for choosing Hiscox to insure your business. We hope you and your business have a very successful year. Kind regards Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 22/05/25 . Good news; if you want cover to continue with us and to make sure you stay protected by our award-winning cover, you do not need to do anything. We will update your policy onto our latest wording and continue to collect payment using the payment details we have for you. You must read the important information contained in this email and the attached documents Your Hiscox Insurance Premium breakdown The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). The amount shown as last year’s Annual premium will take into account any changes to the cover which may have been made during the last policy period. Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) Professional indemnity £1,527.73 £1,527.73 Legal protection £8,215.55 £8,215.55 Crisis containment £8,559.17 Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government 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, Reid and Davies , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover Policy summary for each cover ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before 22/05/25 . We’re here between 8:30am - 5:30pm Monday to Friday . Please note that we can only discuss policy changes with people named on the policy. Why renew with Hiscox - Reassuring: we offer a range of cover options that can be tailored to your needs - Flexible: we offer full flexibility to change your policy, with no administration fees - Award-winning cover : we’ve been named Best Small Business Insurer 7 years running by Start Your Business Magazine Please click this link for the Hiscox Referral Portal: https://refer.aklamio.com/hiscox/uk?source=postpurchase Thank you again for choosing Hiscox to insure your business. We hope you and your business have a very successful year. Kind regards Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Your Hiscox Insurance Premium breakdown The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). Cover Professional indemnity Legal protection Crisis containment . Last year’s annual premium (exc IPT) £1,527.73 £8,215.55 £8,559.17 . This year’s annual Premium (exc IPT) £1,527.73 £8,215.55 . Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) . Professional indemnity £1,527.73 £1,527.73 . Legal protection £8,215.55 £8,215.55 . Crisis containment £8,559.17 . Kind regards Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre . Kind regards . Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave . To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre . Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Page / 1 Hiscox Business Insurance Policy wording 17431a - DC565 WORDING 04/17Guide to sectionsIntroduction Policy wordings General terms and conditions Professional indemnity for business management consultants Legal protection Crisis containment Hiscox Business Insurance Policy wording 17431a - DC565 WORDING 04/17IntroductionThank you for choosing Hiscox to protect your business. We hope that the language and layout of this policy wording are clear because we want you to understand the insurance we provide as well as the responsibilities we have to each other. Please read this document, including the policy schedule, policy summary and statement of fact, and let us know as soon as possible if any of the details are shown incorrectly. We always try to deliver to the highest standards of service. Your views are important to us, so if you feel that our service is below the standard you would expect from Hiscox, please contact us on the phone number shown in your policy schedule. Please note that some of the words we use in this insurance are shown in bold type. These words are defined in each section of the wording. Page / 1 Hiscox Insurance Payment schedule Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Thank you for continuing to pay for your policy by Direct Debit. Please check these details and let us know if anything is incorrect or if the schedule is not suitable. Your reference details Account holder name: John Mason Frequency of collection: Annual Sort code: %BANK_SORT_CODE_1% Account number: %BANK_ACCOUNT_NUMBER_1% Your Direct Debit schedule We will take payments on the dates outlined below: Date Amount 22/03/25 £1,130.07 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: XEL_-J/QIDOMPT.C-K If you have any questions about your policy or payments, please call us on 0800 280 0351. We’re here between 8:30am - 5:30pm Monday to Friday or you can email us at service@hiscox.co.uk. Using your personal information Hiscox isa trading name ofa number of Hiscox companies. The specific company acting asa data controller of your personal information will be listed in the documentation we provide to you. If you are unsure you can also contact us at anytime by telephoning 01904 681198 or by emailing us at dataprotectionofficer@hiscox.com. We collect and process information about you in order to provide insurance policies and to process claims. Your information is also used for business purposes such as fraud prevention and detection and financial management. This may involve sharing your information with, and obtaining information about you from, our group companies and third parties such as brokers, loss adjusters, credit reference agencies, service providers, professional advisors, our regulators or fraud prevention agencies. We may record telephone calls to help us monitor and improve the service we provide. For further information on how your information is used and your rights in relation to your information please see our privacy policy at www.hiscox.co.uk/cookies-privacy. The Direct Debit Guarantee This Guarantee is offered by all banks and building societies that accept instructions to pay Direct Debits. If there are any changes to the amount, date or frequency of your Direct Debit Hiscox Underwriting Ltd will notify you ten working days in advance of your account being debited or as otherwise agreed. If you request Hiscox Underwriting Ltd to collect a payment, confirmation of the amount and date will be given to you at the time of the request. If an error is made in the payment of your Direct Debit by Hiscox Underwriting Ltd or your bank or building society you are entitled to a full and immediate refund of the amount paid from your bank or building society. – If you receive a refund you are not entitled to, you must pay it back when Hiscox Underwriting Ltd asks you to. You can cancel a Direct Debit at anytime by simply contacting your bank or building society. Written confirmation maybe required. Please also notify us. Page / 1 Hiscox Business Insurance Policy summary JAC-PSC-UK-DC556(5.4) 17431b 07/20 Your Hiscox Business Insurance policy summaries This document contains the summaries for any policy covers you have selected to protect your business. These summaries outline the key information about your policies so you can be confident that you have understood what you have bought and what you are covered for. However, you should carefully read your policy in full and ensure that you understand its terms and conditions in full. If you have any queries, you should contact Hiscox or your insurance advisor. Your side of the bargain Remember, your premium and insurance are based on the details you have provided to us. Please make sure this information accurately reflects your business and that you inform us immediately if anything needs to change. Please also tell us of any changes in circumstances that may affect the services provided by us or the cover provided by your policy. This is particularly important before taking out a policy, but it also applies throughout the life of the policy too. You need to consider: ■if you fail to fairly present the risk to us, including by failing to disclose any information material to the insurance, you could invalidate the policy, claims may not be paid or the amount we pay maybe reduced; ■you should read and check all insurance documents to ensure that you are aware of the cover, limits and other terms that apply; ■if you fail to let us know of any changes to your circumstances during the period of insurance or, if when telling us about such changes you fail to present the risk to us fairly, you could invalidate the policy, claims may not be paid or the amount we pay maybe reduced; ■please be aware of all terms and conditions of your policy because failure to comply with them could invalidate it or result in us not paying a claim or reducing the amount we pay; ■in the event ofa claim, you should take note of the required procedures, such as giving Hiscox prompt notice of the claims, as stated in the policy documentation. In particular, if you fail to notify us when you first become aware ofa shortcoming, fact, or problem, admit you are liable for what has happened or appoint solicitors or other legal representation without our prior written approval, claims or defence costs may not be paid or the amount we pay maybe reduced; ■as with any insurance, you have an obligation to take reasonable steps to mitigate any loss or liability; ■if you make a fraudulent claim or try to deceive us, we may terminate the policy. Policy length The period of insurance is shown on your policy schedule. Your policy schedule will also show if the policy is ona continuing cover basis. If itis ona continuing cover basis, we will renew your policy each year for another 12 months and continue to take payment (including any premium adjustment shown in your renewal invitation) using your existing arrangement, unless you tell us otherwise or if your risk changes. If your policy schedule does not show that the policy is ona continuing cover basis, cover will cease at the end of the period of insurance, unless you renew your policy with us. We will provide you witha statement of fact each year and provided that the information contained within the statement of fact is true, complete and accurate, you do not need to provide us with any further information. If any of the information in your statement of fact is not true, complete and accurate, you must let us know. If you do not let us know, it may affect the validity of the policy or our ability to pay a claim. Retroactive dates, geographical and jurisdiction limits Where any section of your policy schedule includes a retroactive date, we will not make any payment for any claim or loss under that section which arises from any activity performed or any act, incident or occurrence taking place, before the retroactive date. Where any section of your policy schedule shows the geographical limits which apply to that section of the policy, we will only pay for claims and losses under that section which arise from activities performed or acts, incidents or occurrences taking place within those geographical limits. Where any section provides cover in respect of your liability to third parties, we will only cover claims first made ina country within the applicable courts stated in that section of your policy schedule. Hiscox Business Insurance Policy summary JAC-PSC-UK-DC556(5.4) 17431b 07/20 Cancellation rights You can cancel this policy by giving us 30 days' notice. You will only be charged for the premiums due up to the date of cancellation. If we need to cancel the policy, we’ll give you 30 days’ notice in writing and refund any surplus premiums you might have paid. Please note – we may deduct an administration fee from any refunded payment.There is an exception to our 30-day notice period, which is triggered when we don’t receive your Direct Debit payments within the agreed 14-day period. At this point, we will contact you as soon as possible and stop the 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, Reid and Davies Hiscox Underwriting Ltd of 1 Great St. Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Certificate of professional indemnity Insurance Policy number:XEL_-J/QIDOMPT.C-K Name of policy holder:Potter, Reid and Davies Period of insurance: From 22/05/25 to Tue 17 September, 2024 both days inclusive. This policy isa Continuing cover policy Insurer: Hiscox Insurance Company Limited Retroactive date: 2022-02-24 Level of cover:£1,000,000 Signed on behalf of Hiscox Underwriting Limited as agent for the insurers Jon Dye CEO, Hiscox UK Notes: (a) This insurance is subject to policy terms and conditions and any special terms notified to the InsuredPage / 1 Hiscox Business Insurance Policy Schedule 14502 10/18 This schedule tells you what is insured with us. It should be read carefully with your policy wording(s) and statement of fact detailed elsewhere in this document. Schedule effective date: 22/05/25 Insurance details Policy number: XEL_-J/QIDOMPT.C-K Period of insurance: From 22/05/25 to Tue 17 September, 2024 both days inclusive. This policy isa Continuing cover policy. Insured: Potter, Reid and Davies Address: 25 Hamilton wells Wrightmouth FARNHAM L78 7YA Additional insureds: None Business: Management Consultants Premium details Charged premium – the total amount you’ll pay for this policy. Charged premium: £4,048.54 Insurance Premium Tax (IPT): £5,239.31 Total charged premium: £1,130.07 Annualised premium – the annual premium for this policy. This is given for comparison purposes. Please refer to the charged premium section for the amount you’ll pay for the policy. Annual premium: £4,048.54 Insurance Premium Tax (IPT): £5,239.31 Annual total: £1,130.07 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 £1,527.73 Legal protection £100,000 £0 £8,215.55 Crisis containment £25,000 - £8,559.17 The figures above are in summary only and are not in addition to the amount insured specified against each cover section below. Hiscox Business Insurance Policy Schedule 14502 10/18 SECTION: PROFESSIONAL INDEMNITY – MANAGEMENT CONSULTANTS Cover start date: 22/05/25 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 dataPage / 2 claims £250,000 in the aggregate, including all costs Business activities Business management consultant Retroactive date 2022-02-24 Insurer Hiscox Insurance Company LimitedPage / 1 Hiscox Insurance Summary of change Introduction This document has been created to help you understand the key changes to your Hiscox Insurance policy and how they may impact you. Your policy continues to offer professional, tailored insurance to protect you and give you peace of mind that if you need us, you will be supported by our award winning claims team. If you have a query not covered by this document, or if you have any questions or concerns about your policy you should contact us. Frequently asked questions What if my circumstances change during the period of insurance? If your circumstances change during the period of insurance, you only need to let us know if the change means that any of the information in the Statement of Fact is no longer true, complete and accurate. If there are no such changes, you do not need to let us know. If any of the information within the Statement of Fact becomes no longer complete, true or accurate at any point during the period of insurance you must tell us as it may affect the validity of the policy or our ability to pay a claim. Additionally, if your contact details change then you should let us know straightaway. Where doI find the limits that apply to my policy? You can find your maximum allowable limits for turnover and wage rollin your Statement of Fact. You must check this information and tell us or your broker if you expect to exceed the maximum amounts shown. Please note these values may have changed. If there are special limits or special excesses applying to particular covers or types of losses these will be shown in the policy schedule. Please check your policy schedule carefully as they may have changed. My new schedule shows a different premium to last year? What has changed? If an underwriter has reviewed your policy then they may have manually adjusted your premium, for example if you’ve had claims in the last 12 months. Where doI find out about any endorsements on my policy? You will be able to see if an endorsement has been applied or removed by reviewing your Policy Schedule. If you have any queries or concerns, please contact us or your broker if you have one. Hiscox Insurance Summary of change Professional indemnity for business management consultants Summary of change Changes to the cover The following table shows the differences between our new policy wordings (5570 WD- PROF-UK-MAN(7), 15579 WD-PROF-UK-MAN-AG(3)) and our previous wordings (5570 WD-PROF-UK-MAN(6), 15579 WD-PROF-UK-MAN-AG(2)). This isa summary of the changes only. You should refer to the schedule and policy wording for the full description of the cover in place. Area of cover Previous policy New policy Improvement in cover Claims against you Advertising claims. We will pay claims arising from your advertising or branding for defamation or infringement of copyright or moral rights. This does not include claims for passing off, unauthorised use of trademarks or false or misleading advertising. Previously cover was not restricted to defamation or the infringement of copyright or moral rights.Covered Amended Your own lossesChanges to ‘what is covered’ Losses from dishonesty. Your losses arising from the dishonesty of your employees, sub-contractors or outsourcers.Covered Not covered Area of cover Previous policy New policy Improvement in cover Cyber incident. We will not pay claims relating to an actual or possible cyber attack, hacker or social engineering communication. Previously we excluded any virus not specifically targeted at your system.Covered Not covered Computer or digital technology error. We will not pay claims arising from any negligent act, error or omission in the operation or maintenance of computer or digital technology such as development, installation, patching or upgrading.Covered Not coveredChanges to ‘what is not covered’ Infrastructure. We will not pay claims arising from the failure of the service provided by internet, telecommunications, utilities or other infrastructure providers.Covered Not covered Hiscox Insurance Summary of change Personal data. We will not pay claims relating to personal data. We will pay such claims where they arise from your performance ofa business activity and which is not otherwise excluded. Subject to the limit shown in the schedule.Covered Not covered Other important changes Control of defence. Under the previous wording we had a duty to defend you against any covered claim brought against you. We now have the right but not the obligation to take control of the conduct of the claim including the appointment of legal representation. Please refer to the policy wording for full details. SOC-PROF-UK-MAN(1) 21367 01/21	XEL_-J/QIDOMPT.C-K	(?<=Policy number - )[-\w_\/\.]+?(?= Company name)	22/05/25	(?<=anniversary of your policy is approaching on )[-\w_\/\. ,]+?(?= \.)	null	null	Business	(?<=time to renew your Hiscox )[-\w_\/\. ]+?(?= Insurance)	2024-02-05
hiscox-business-1	Hiscox Business Insurance - Policy number - 3R-V/9_0X9651A49QX-C1C0 Company name: Ward, Webb and Green It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : 3R-V/9_0X9651A49QX-C1C0. Company name: Ward, Webb and Green. Your Hiscox Insurance premium. Last year’s annual premium: This year’s annual premium. £ 5,374.37. £ 5,374.37. The premium includes all applicable insurance premium tax (IPT). Dear Mrs Billy Smith. Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on Thursday 14 July, 2022 . Good news; if you want cover to continue with us and to make sure you stay protected by our award-winning cover, you do not need to do anything. We will update your policy onto our latest wording and continue to collect payment using the payment details we have for you. You must read the important information contained in this email and the attached documents. Your Hiscox Insurance Premium breakdown. The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). The amount shown as last year’s Annual premium will take into account any changes to the cover which may have been made during the last policy period. Cover. Last year’s annual premium (exc IPT). This year’s annual Premium (exc IPT). Professional indemnity. £5,007.23. £5,007.23. Legal protection. £555.82. £555.82. Crisis containment. £1,169.33. Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy . Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government 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, Webb 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 Thursday 14 July, 2022 . We’re here between 8:30am - 5:30pm Monday to Friday . Please note that we can only discuss policy changes with people named on the policy. Why renew with Hiscox. - Reassuring: we offer a range of cover options that can be tailored to your needs. - Flexible: we offer full flexibility to change your policy, with no administration fees . - Award-winning cover : we’ve been named Best Small Business Insurer 7 years running by Start Your Business Magazine . Please click this link for the Hiscox Referral Portal: https://refer.aklamio.com/hiscox/uk?source=postpurchase. Thank you again for choosing Hiscox to insure your business. We hope you and your business have a very successful year. Kind regards. Jon Dye. CEO, Hiscox UK. Business Insurance for the small and the brave. To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre. Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. This email and any files transmitted with it are confidential and intended solely for the use of the individual or entity to whom they are addressed. No one else is authorised to distribute, forward, print, copy or act upon any information contained in this email. If you have received this email in error, please notify the sender. Hiscox Syndicates Limited and Hiscox Insurance Company Limited are authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Hiscox Underwriting Limited, Hiscox Underwriting Services Ltd, Hiscox MGA Ltd and Hiscox ASM Ltd are authorised and regulated by the Financial Conduct Authority. Hiscox Assure SAS is duly registered as an insurance broker with the ORIAS, which is the French Official Registry of Insurance Intermediaries. Hiscox plc is a company registered in England and Wales under company registration number 2837811 and registered office at 1 Great St Helen's, London EC3A 6HX. Hiscox SA is a company registered in Luxembourg at 35 Avenue John F. Kennedy 35F, Luxembourg L-1855, and is authorised by the Commissariat aux Assurances de Luxembourg. It’s time to renew your Hiscox Business Insurance Hiscox Insurance policy number : 3R-V/9_0X9651A49QX-C1C0 Company name: Ward, Webb and Green . It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : 3R-V/9_0X9651A49QX-C1C0 Company name: Ward, Webb 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). £ 5,374.37 £ 5,374.37 . Your Hiscox Insurance premium . Last year’s annual premium: This year’s annual premium £ 5,374.37 £ 5,374.37 . The premium includes all applicable insurance premium tax (IPT). Dear Mrs Billy Smith . Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on Thursday 14 July, 2022 . Good news; if you want cover to continue with us and to make sure you stay protected by our award-winning cover, you do not need to do anything. We will update your policy onto our latest wording and continue to collect payment using the payment details we have for you. You must read the important information contained in this email and the attached documents Your Hiscox Insurance Premium breakdown The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). The amount shown as last year’s Annual premium will take into account any changes to the cover which may have been made during the last policy period. Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) Professional indemnity £5,007.23 £5,007.23 Legal protection £555.82 £555.82 Crisis containment £1,169.33 Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government 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, Webb 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 Thursday 14 July, 2022 . We’re here between 8:30am - 5:30pm Monday to Friday . Please note that we can only discuss policy changes with people named on the policy. Why renew with Hiscox - Reassuring: we offer a range of cover options that can be tailored to your needs - Flexible: we offer full flexibility to change your policy, with no administration fees - Award-winning cover : we’ve been named Best Small Business Insurer 7 years running by Start Your Business Magazine Please click this link for the Hiscox Referral Portal: https://refer.aklamio.com/hiscox/uk?source=postpurchase Thank you again for choosing Hiscox to insure your business. We hope you and your business have a very successful year. Kind regards Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on Thursday 14 July, 2022 . Good news; if you want cover to continue with us and to make sure you stay protected by our award-winning cover, you do not need to do anything. We will update your policy onto our latest wording and continue to collect payment using the payment details we have for you. You must read the important information contained in this email and the attached documents Your Hiscox Insurance Premium breakdown The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). The amount shown as last year’s Annual premium will take into account any changes to the cover which may have been made during the last policy period. Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) Professional indemnity £5,007.23 £5,007.23 Legal protection £555.82 £555.82 Crisis containment £1,169.33 Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government 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, Webb 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 Thursday 14 July, 2022 . We’re here between 8:30am - 5:30pm Monday to Friday . Please note that we can only discuss policy changes with people named on the policy. Why renew with Hiscox - Reassuring: we offer a range of cover options that can be tailored to your needs - Flexible: we offer full flexibility to change your policy, with no administration fees - Award-winning cover : we’ve been named Best Small Business Insurer 7 years running by Start Your Business Magazine Please click this link for the Hiscox Referral Portal: https://refer.aklamio.com/hiscox/uk?source=postpurchase Thank you again for choosing Hiscox to insure your business. We hope you and your business have a very successful year. Kind regards Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Your Hiscox Insurance Premium breakdown The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). Cover Professional indemnity Legal protection Crisis containment . Last year’s annual premium (exc IPT) £5,007.23 £555.82 £1,169.33 . This year’s annual Premium (exc IPT) £5,007.23 £555.82 . Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) . Professional indemnity £5,007.23 £5,007.23 . Legal protection £555.82 £555.82 . Crisis containment £1,169.33 . Kind regards Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre . Kind regards . Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave . To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre . Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Page / 1 Hiscox Business Insurance Policy wording 17431a - DC565 WORDING 04/17Guide to sectionsIntroduction Policy wordings General terms and conditions Professional indemnity for business management consultants Legal protection Crisis containment Hiscox Business Insurance Policy wording 17431a - DC565 WORDING 04/17IntroductionThank you for choosing Hiscox to protect your business. We hope that the language and layout of this policy wording are clear because we want you to understand the insurance we provide as well as the responsibilities we have to each other. Please read this document, including the policy schedule, policy summary and statement of fact, and let us know as soon as possible if any of the details are shown incorrectly. We always try to deliver to the highest standards of service. Your views are important to us, so if you feel that our service is below the standard you would expect from Hiscox, please contact us on the phone number shown in your policy schedule. Please note that some of the words we use in this insurance are shown in bold type. These words are defined in each section of the wording. Page / 1 Hiscox Insurance Payment schedule Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Thank you for continuing to pay for your policy by Direct Debit. Please check these details and let us know if anything is incorrect or if the schedule is not suitable. Your reference details Account holder name: Billy 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 24/01/2024 £5,374.37 Where your chosen collection date falls ona non-working day then we will endeavour to collect the next working day. For your information, the collections will be made using the following reference number: Originator Identification Number: 293461 Reference Number: 3R-V/9_0X9651A49QX-C1C0 If you have any questions about your policy or payments, please call us on 0800 280 0351. We’re here between 8:30am - 5:30pm Monday to Friday or you can email us at service@hiscox.co.uk. Using your personal information Hiscox isa trading name ofa number of Hiscox companies. The specific company acting asa data controller of your personal information will be listed in the documentation we provide to you. If you are unsure you can also contact us at anytime by telephoning 01904 681198 or by emailing us at dataprotectionofficer@hiscox.com. We collect and process information about you in order to provide insurance policies and to process claims. Your information is also used for business purposes such as fraud prevention and detection and financial management. This may involve sharing your information with, and obtaining information about you from, our group companies and third parties such as brokers, loss adjusters, credit reference agencies, service providers, professional advisors, our regulators or fraud prevention agencies. We may record telephone calls to help us monitor and improve the service we provide. For further information on how your information is used and your rights in relation to your information please see our privacy policy at www.hiscox.co.uk/cookies-privacy. The Direct Debit Guarantee This Guarantee is offered by all banks and building societies that accept instructions to pay Direct Debits. If there are any changes to the amount, date or frequency of your Direct Debit Hiscox Underwriting Ltd will notify you ten working days in advance of your account being debited or as otherwise agreed. If you request Hiscox Underwriting Ltd to collect a payment, confirmation of the amount and date will be given to you at the time of the request. If an error is made in the payment of your Direct Debit by Hiscox Underwriting Ltd or your bank or building society you are entitled to a full and immediate refund of the amount paid from your bank or building society. – If you receive a refund you are not entitled to, you must pay it back when Hiscox Underwriting Ltd asks you to. You can cancel a Direct Debit at anytime by simply contacting your bank or building society. Written confirmation maybe required. Please also notify us. Page / 1 Hiscox Business Insurance Policy summary JAC-PSC-UK-DC556(5.4) 17431b 07/20 Your Hiscox Business Insurance policy summaries This document contains the summaries for any policy covers you have selected to protect your business. These summaries outline the key information about your policies so you can be confident that you have understood what you have bought and what you are covered for. However, you should carefully read your policy in full and ensure that you understand its terms and conditions in full. If you have any queries, you should contact Hiscox or your insurance advisor. Your side of the bargain Remember, your premium and insurance are based on the details you have provided to us. Please make sure this information accurately reflects your business and that you inform us immediately if anything needs to change. Please also tell us of any changes in circumstances that may affect the services provided by us or the cover provided by your policy. This is particularly important before taking out a policy, but it also applies throughout the life of the policy too. You need to consider: ■if you fail to fairly present the risk to us, including by failing to disclose any information material to the insurance, you could invalidate the policy, claims may not be paid or the amount we pay maybe reduced; ■you should read and check all insurance documents to ensure that you are aware of the cover, limits and other terms that apply; ■if you fail to let us know of any changes to your circumstances during the period of insurance or, if when telling us about such changes you fail to present the risk to us fairly, you could invalidate the policy, claims may not be paid or the amount we pay maybe reduced; ■please be aware of all terms and conditions of your policy because failure to comply with them could invalidate it or result in us not paying a claim or reducing the amount we pay; ■in the event ofa claim, you should take note of the required procedures, such as giving Hiscox prompt notice of the claims, as stated in the policy documentation. In particular, if you fail to notify us when you first become aware ofa shortcoming, fact, or problem, admit you are liable for what has happened or appoint solicitors or other legal representation without our prior written approval, claims or defence costs may not be paid or the amount we pay maybe reduced; ■as with any insurance, you have an obligation to take reasonable steps to mitigate any loss or liability; ■if you make a fraudulent claim or try to deceive us, we may terminate the policy. Policy length The period of insurance is shown on your policy schedule. Your policy schedule will also show if the policy is ona continuing cover basis. If itis ona continuing cover basis, we will renew your policy each year for another 12 months and continue to take payment (including any premium adjustment shown in your renewal invitation) using your existing arrangement, unless you tell us otherwise or if your risk changes. If your policy schedule does not show that the policy is ona continuing cover basis, cover will cease at the end of the period of insurance, unless you renew your policy with us. We will provide you witha statement of fact each year and provided that the information contained within the statement of fact is true, complete and accurate, you do not need to provide us with any further information. If any of the information in your statement of fact is not true, complete and accurate, you must let us know. If you do not let us know, it may affect the validity of the policy or our ability to pay a claim. Retroactive dates, geographical and jurisdiction limits Where any section of your policy schedule includes a retroactive date, we will not make any payment for any claim or loss under that section which arises from any activity performed or any act, incident or occurrence taking place, before the retroactive date. Where any section of your policy schedule shows the geographical limits which apply to that section of the policy, we will only pay for claims and losses under that section which arise from activities performed or acts, incidents or occurrences taking place within those geographical limits. Where any section provides cover in respect of your liability to third parties, we will only cover claims first made ina country within the applicable courts stated in that section of your policy schedule. Hiscox Business Insurance Policy summary JAC-PSC-UK-DC556(5.4) 17431b 07/20 Cancellation rights You can cancel this policy by giving us 30 days' notice. You will only be charged for the premiums due up to the date of cancellation. If we need to cancel the policy, we’ll give you 30 days’ notice in writing and refund any surplus premiums you might have paid. Please note – we may deduct an administration fee from any refunded payment.There is an exception to our 30-day notice period, which is triggered when we don’t receive your Direct Debit payments within the agreed 14-day period. At this point, we will contact you as soon as possible and stop the 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, Webb 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:3R-V/9_0X9651A49QX-C1C0 Name of policy holder:Ward, Webb and Green Period of insurance: From Thursday 14 July, 2022 to 13/05/20 both days inclusive. This policy isa Continuing cover policy Insurer: Hiscox Insurance Company Limited Retroactive date: 05/04/20 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: Thursday 14 July, 2022 Insurance details Policy number: 3R-V/9_0X9651A49QX-C1C0 Period of insurance: From Thursday 14 July, 2022 to 13/05/20 both days inclusive. This policy isa Continuing cover policy. Insured: Ward, Webb and Green Address: Flat 7 Clarke pine Morrisonburgh FARNHAM W3D 3UW Additional insureds: None Business: Management Consultants Premium details Charged premium – the total amount you’ll pay for this policy. Charged premium: £5,853.48 Insurance Premium Tax (IPT): £7,777.94 Total charged premium: £5,374.37 Annualised premium – the annual premium for this policy. This is given for comparison purposes. Please refer to the charged premium section for the amount you’ll pay for the policy. Annual premium: £5,853.48 Insurance Premium Tax (IPT): £7,777.94 Annual total: £5,374.37 Please note that there will be no refund or additional premium for any transaction which is less than £20 (excluding IPT). Hiscox Business Insurance Policy Schedule 14502 10/18 Summary Claims information If you need to make a claim: - For claims relating to your building or contents please contact our claims team on 0800 247 1902, 9.00am – 5:30pm Monday to Friday. If you wish to make a claim online, you can log most claims quickly and easily through our claims notification portal at https://claims.hiscox.co.uk/. Outside of normal business hours, if you require emergency assistance in relation to substantial damage to your property, you can speak to our 24-hour emergency assistance team using the telephone number above. Your policy schedule will state if property cover is included in your policy. Our out-of-hours emergency assistance team operate ona pay-and-claim basis and you will need to have credit card details available as appropriate. The team will then be able to direct you to essential tradesmen, emergency loss adjusters or disaster management companies in the event of substantial damage. - If there isa claim (or potential claim) against you bya third party, please email us at liability.claims@hiscox.com. If you need to speak to a member of the claims team urgently, please call our team on 0800 711 7156, 9.00am – 5:30pm Monday to Friday. If you wish to make a claim online, you can log most claims quickly and easily through our claims notification portal at https://claims.hiscox.co.uk/. You will need to provide your full name and contact details, the name of your business or organisation, your address and postcode, the policy reference and circumstances of the claim. The Important information and contact details section below contains additional information specific to the covers applicable to your policy. If you are unsure of who to contact please call our team on 0800 711 7156, 9.00am – 5:30pm Monday to Friday. They will ensure you get through to the correct claims team and let you know what actions you need to take. If anything happens that might be covered under the policy, you must comply with the obligations set out in General claims conditions, together with the obligations set out under Your obligations in the section or sections under which you are making the claim. Itis important that you read the policy for details of its terms in full. Your covers This isa summary of each section of your policy. See each section for cover details. Cover Insurance amount Excess Annual Premium (exc IPT) Professional indemnity £1,000,000 £1,000 £5,007.23 Legal protection £100,000 £0 £555.82 Crisis containment £25,000 - £1,169.33 The figures above are in summary only and are not in addition to the 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 14 July, 2022 Limit of indemnity £1,000,000 Limit applies to in the aggregate, including all costs Excess £1,000 Excess applies to each and every claim or loss, including all costs Geographical limits Worldwide Applicable courts Worldwide (excluding United States of America and Canada) Claims brought in USA or Canada Not covered Additional covers (in addition to overall limit of indemnity stated above) Cover Limit of indemnity Limit applies to Court attendance compensation - employees £250 per person, per day Court attendance compensation - directors and partners£500 per person, per day Court attendance compensation: in total £100,000 in the aggregate Special limits (included within not in addition to the overall limit of indemnity stated above) Cover Limit of indemnity Limit applies to Personal dataPage / 2 claims £250,000 in the aggregate, including all costs Business activities Business management consultant Retroactive date 05/04/20 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	3R-V/9_0X9651A49QX-C1C0	(?<=Policy number - )[-\w_\/\.]+?(?= Company name)	Thursday 14 July, 2022	(?<=anniversary of your policy is approaching on )[-\w_\/\. ,]+?(?= \.)	null	null	Business	(?<=time to renew your Hiscox )[-\w_\/\. ]+?(?= Insurance)	2024-02-05
hiscox-business-1	Hiscox Business Insurance - Policy number - ybvnb_wrghe Company name: Miah and Sons It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : ybvnb_wrghe. Company name: Miah and Sons. Your Hiscox Insurance premium. Last year’s annual premium: This year’s annual premium. £ 8,334.17. £ 8,334.17. The premium includes all applicable insurance premium tax (IPT). Dear Mr Mrs Carolyn Webb. Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 22 May, 2021 . Good news; if you want cover to continue with us and to make sure you stay protected by our award-winning cover, you do not need to do anything. We will update your policy onto our latest wording and continue to collect payment using the payment details we have for you. You must read the important information contained in this email and the attached documents. Your Hiscox Insurance Premium breakdown. The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). The amount shown as last year’s Annual premium will take into account any changes to the cover which may have been made during the last policy period. Cover. Last year’s annual premium (exc IPT). This year’s annual Premium (exc IPT). Professional indemnity. £2,513.17. £2,513.17. Legal protection. £7,096.46. £7,096.46. Crisis containment. £8,765.89. Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy . Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government increase in Insurance Premium Tax as shown. Is our information correct? Your premium and cover are based on what you’ve told us about Miah and Sons , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay. . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover. Policy summary for each cover. ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover . As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before 22 May, 2021 . We’re here between 8:30am - 5:30pm Monday to Friday . Please note that we can only discuss policy changes with people named on the policy. Why renew with Hiscox. - Reassuring: we offer a range of cover options that can be tailored to your needs. - Flexible: we offer full flexibility to change your policy, with no administration fees . - Award-winning cover : we’ve been named Best Small Business Insurer 7 years running by Start Your Business Magazine . Please click this link for the Hiscox Referral Portal: https://refer.aklamio.com/hiscox/uk?source=postpurchase. Thank you again for choosing Hiscox to insure your business. We hope you and your business have a very successful year. Kind regards. Jon Dye. CEO, Hiscox UK. Business Insurance for the small and the brave. To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre. Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. This email and any files transmitted with it are confidential and intended solely for the use of the individual or entity to whom they are addressed. No one else is authorised to distribute, forward, print, copy or act upon any information contained in this email. If you have received this email in error, please notify the sender. Hiscox Syndicates Limited and Hiscox Insurance Company Limited are authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Hiscox Underwriting Limited, Hiscox Underwriting Services Ltd, Hiscox MGA Ltd and Hiscox ASM Ltd are authorised and regulated by the Financial Conduct Authority. Hiscox Assure SAS is duly registered as an insurance broker with the ORIAS, which is the French Official Registry of Insurance Intermediaries. Hiscox plc is a company registered in England and Wales under company registration number 2837811 and registered office at 1 Great St Helen's, London EC3A 6HX. Hiscox SA is a company registered in Luxembourg at 35 Avenue John F. Kennedy 35F, Luxembourg L-1855, and is authorised by the Commissariat aux Assurances de Luxembourg. It’s time to renew your Hiscox Business Insurance Hiscox Insurance policy number : ybvnb_wrghe Company name: Miah and Sons . It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : ybvnb_wrghe Company name: Miah and Sons . Your Hiscox Insurance premium Last year’s annual premium: This year’s annual premium The premium includes all applicable insurance premium tax (IPT). £ 8,334.17 £ 8,334.17 . Your Hiscox Insurance premium . Last year’s annual premium: This year’s annual premium £ 8,334.17 £ 8,334.17 . The premium includes all applicable insurance premium tax (IPT). Dear Mr Mrs Carolyn Webb . Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 22 May, 2021 . Good news; if you want cover to continue with us and to make sure you stay protected by our award-winning cover, you do not need to do anything. We will update your policy onto our latest wording and continue to collect payment using the payment details we have for you. You must read the important information contained in this email and the attached documents Your Hiscox Insurance Premium breakdown The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). The amount shown as last year’s Annual premium will take into account any changes to the cover which may have been made during the last policy period. Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) Professional indemnity £2,513.17 £2,513.17 Legal protection £7,096.46 £7,096.46 Crisis containment £8,765.89 Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government increase in Insurance Premium Tax as shown. Is our information correct? Your premium and cover are based on what you’ve told us about Miah and Sons , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover Policy summary for each cover ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before 22 May, 2021 . We’re here between 8:30am - 5:30pm Monday to Friday . Please note that we can only discuss policy changes with people named on the policy. Why renew with Hiscox - Reassuring: we offer a range of cover options that can be tailored to your needs - Flexible: we offer full flexibility to change your policy, with no administration fees - Award-winning cover : we’ve been named Best Small Business Insurer 7 years running by Start Your Business Magazine Please click this link for the Hiscox Referral Portal: https://refer.aklamio.com/hiscox/uk?source=postpurchase Thank you again for choosing Hiscox to insure your business. We hope you and your business have a very successful year. Kind regards Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 22 May, 2021 . Good news; if you want cover to continue with us and to make sure you stay protected by our award-winning cover, you do not need to do anything. We will update your policy onto our latest wording and continue to collect payment using the payment details we have for you. You must read the important information contained in this email and the attached documents Your Hiscox Insurance Premium breakdown The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). The amount shown as last year’s Annual premium will take into account any changes to the cover which may have been made during the last policy period. Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) Professional indemnity £2,513.17 £2,513.17 Legal protection £7,096.46 £7,096.46 Crisis containment £8,765.89 Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government increase in Insurance Premium Tax as shown. Is our information correct? Your premium and cover are based on what you’ve told us about Miah and Sons , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover Policy summary for each cover ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before 22 May, 2021 . We’re here between 8:30am - 5:30pm Monday to Friday . Please note that we can only discuss policy changes with people named on the policy. Why renew with Hiscox - Reassuring: we offer a range of cover options that can be tailored to your needs - Flexible: we offer full flexibility to change your policy, with no administration fees - Award-winning cover : we’ve been named Best Small Business Insurer 7 years running by Start Your Business Magazine Please click this link for the Hiscox Referral Portal: https://refer.aklamio.com/hiscox/uk?source=postpurchase Thank you again for choosing Hiscox to insure your business. We hope you and your business have a very successful year. Kind regards Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Your Hiscox Insurance Premium breakdown The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). Cover Professional indemnity Legal protection Crisis containment . Last year’s annual premium (exc IPT) £2,513.17 £7,096.46 £8,765.89 . This year’s annual Premium (exc IPT) £2,513.17 £7,096.46 . Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) . Professional indemnity £2,513.17 £2,513.17 . Legal protection £7,096.46 £7,096.46 . Crisis containment £8,765.89 . Kind regards Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre . Kind regards . Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave . To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre . Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Page / 1 Hiscox Business Insurance Policy wording 17431a - DC565 WORDING 04/17Guide to sectionsIntroduction Policy wordings General terms and conditions Professional indemnity for business management consultants Legal protection Crisis containment Hiscox Business Insurance Policy wording 17431a - DC565 WORDING 04/17IntroductionThank you for choosing Hiscox to protect your business. We hope that the language and layout of this policy wording are clear because we want you to understand the insurance we provide as well as the responsibilities we have to each other. Please read this document, including the policy schedule, policy summary and statement of fact, and let us know as soon as possible if any of the details are shown incorrectly. We always try to deliver to the highest standards of service. Your views are important to us, so if you feel that our service is below the standard you would expect from Hiscox, please contact us on the phone number shown in your policy schedule. Please note that some of the words we use in this insurance are shown in bold type. These words are defined in each section of the wording. Page / 1 Hiscox Insurance Payment schedule Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Thank you for continuing to pay for your policy by Direct Debit. Please check these details and let us know if anything is incorrect or if the schedule is not suitable. Your reference details Account holder name: Mrs Carolyn Webb Frequency of collection: Annual Sort code: %BANK_SORT_CODE_1% Account number: %BANK_ACCOUNT_NUMBER_1% Your Direct Debit schedule We will take payments on the dates outlined below: Date Amount 2021-01-25 £8,334.17 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: ybvnb_wrghe If you have any questions about your policy or payments, please call us on 0800 280 0351. We’re here between 8:30am - 5:30pm Monday to Friday or you can email us at service@hiscox.co.uk. Using your personal information Hiscox isa trading name ofa number of Hiscox companies. The specific company acting asa data controller of your personal information will be listed in the documentation we provide to you. If you are unsure you can also contact us at anytime by telephoning 01904 681198 or by emailing us at dataprotectionofficer@hiscox.com. We collect and process information about you in order to provide insurance policies and to process claims. Your information is also used for business purposes such as fraud prevention and detection and financial management. This may involve sharing your information with, and obtaining information about you from, our group companies and third parties such as brokers, loss adjusters, credit reference agencies, service providers, professional advisors, our regulators or fraud prevention agencies. We may record telephone calls to help us monitor and improve the service we provide. For further information on how your information is used and your rights in relation to your information please see our privacy policy at www.hiscox.co.uk/cookies-privacy. The Direct Debit Guarantee This Guarantee is offered by all banks and building societies that accept instructions to pay Direct Debits. If there are any changes to the amount, date or frequency of your Direct Debit Hiscox Underwriting Ltd will notify you ten working days in advance of your account being debited or as otherwise agreed. If you request Hiscox Underwriting Ltd to collect a payment, confirmation of the amount and date will be given to you at the time of the request. If an error is made in the payment of your Direct Debit by Hiscox Underwriting Ltd or your bank or building society you are entitled to a full and immediate refund of the amount paid from your bank or building society. – If you receive a refund you are not entitled to, you must pay it back when Hiscox Underwriting Ltd asks you to. You can cancel a Direct Debit at anytime by simply contacting your bank or building society. Written confirmation maybe required. Please also notify us. Page / 1 Hiscox Business Insurance Policy summary JAC-PSC-UK-DC556(5.4) 17431b 07/20 Your Hiscox Business Insurance policy summaries This document contains the summaries for any policy covers you have selected to protect your business. These summaries outline the key information about your policies so you can be confident that you have understood what you have bought and what you are covered for. However, you should carefully read your policy in full and ensure that you understand its terms and conditions in full. If you have any queries, you should contact Hiscox or your insurance advisor. Your side of the bargain Remember, your premium and insurance are based on the details you have provided to us. Please make sure this information accurately reflects your business and that you inform us immediately if anything needs to change. Please also tell us of any changes in circumstances that may affect the services provided by us or the cover provided by your policy. This is particularly important before taking out a policy, but it also applies throughout the life of the policy too. You need to consider: ■if you fail to fairly present the risk to us, including by failing to disclose any information material to the insurance, you could invalidate the policy, claims may not be paid or the amount we pay maybe reduced; ■you should read and check all insurance documents to ensure that you are aware of the cover, limits and other terms that apply; ■if you fail to let us know of any changes to your circumstances during the period of insurance or, if when telling us about such changes you fail to present the risk to us fairly, you could invalidate the policy, claims may not be paid or the amount we pay maybe reduced; ■please be aware of all terms and conditions of your policy because failure to comply with them could invalidate it or result in us not paying a claim or reducing the amount we pay; ■in the event ofa claim, you should take note of the required procedures, such as giving Hiscox prompt notice of the claims, as stated in the policy documentation. In particular, if you fail to notify us when you first become aware ofa shortcoming, fact, or problem, admit you are liable for what has happened or appoint solicitors or other legal representation without our prior written approval, claims or defence costs may not be paid or the amount we pay maybe reduced; ■as with any insurance, you have an obligation to take reasonable steps to mitigate any loss or liability; ■if you make a fraudulent claim or try to deceive us, we may terminate the policy. Policy length The period of insurance is shown on your policy schedule. Your policy schedule will also show if the policy is ona continuing cover basis. If itis ona continuing cover basis, we will renew your policy each year for another 12 months and continue to take payment (including any premium adjustment shown in your renewal invitation) using your existing arrangement, unless you tell us otherwise or if your risk changes. If your policy schedule does not show that the policy is ona continuing cover basis, cover will cease at the end of the period of insurance, unless you renew your policy with us. We will provide you witha statement of fact each year and provided that the information contained within the statement of fact is true, complete and accurate, you do not need to provide us with any further information. If any of the information in your statement of fact is not true, complete and accurate, you must let us know. If you do not let us know, it may affect the validity of the policy or our ability to pay a claim. Retroactive dates, geographical and jurisdiction limits Where any section of your policy schedule includes a retroactive date, we will not make any payment for any claim or loss under that section which arises from any activity performed or any act, incident or occurrence taking place, before the retroactive date. Where any section of your policy schedule shows the geographical limits which apply to that section of the policy, we will only pay for claims and losses under that section which arise from activities performed or acts, incidents or occurrences taking place within those geographical limits. Where any section provides cover in respect of your liability to third parties, we will only cover claims first made ina country within the applicable courts stated in that section of your policy schedule. Hiscox Business Insurance Policy summary JAC-PSC-UK-DC556(5.4) 17431b 07/20 Cancellation rights You can cancel this policy by giving us 30 days' notice. You will only be charged for the premiums due up to the date of cancellation. If we need to cancel the policy, we’ll give you 30 days’ notice in writing and refund any surplus premiums you might have paid. Please note – we may deduct an administration fee from any refunded payment.There is an exception to our 30-day notice period, which is triggered when we don’t receive your Direct Debit payments within the agreed 14-day period. At this point, we will contact you as soon as possible and stop the policyPage / 2 immediately. Underwritten by:Hiscox Underwriting Ltd on behalf of the insurers named in the schedule. Page / 1 Certificate of professional indemnity insurance Miah 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:ybvnb_wrghe Name of policy holder:Miah and Sons Period of insurance: From 22 May, 2021 to Friday 19 November, 2021 both days inclusive. This policy isa Continuing cover policy Insurer: Hiscox Insurance Company Limited Retroactive date: 2020-04-09 Level of cover:£1,000,000 Signed on behalf of Hiscox Underwriting Limited as agent for the insurers Jon Dye CEO, Hiscox UK Notes: (a) This insurance is subject to policy terms and conditions and any special terms notified to the InsuredPage / 1 Hiscox Business Insurance Policy Schedule 14502 10/18 This schedule tells you what is insured with us. It should be read carefully with your policy wording(s) and statement of fact detailed elsewhere in this document. Schedule effective date: 22 May, 2021 Insurance details Policy number: ybvnb_wrghe Period of insurance: From 22 May, 2021 to Friday 19 November, 2021 both days inclusive. This policy isa Continuing cover policy. Insured: Miah and Sons Address: Flat 18E Bond trail South Paige FARNHAM B3C 4FJ Additional insureds: None Business: Management Consultants Premium details Charged premium – the total amount you’ll pay for this policy. Charged premium: £184.90 Insurance Premium Tax (IPT): £456.01 Total charged premium: £8,334.17 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: £184.90 Insurance Premium Tax (IPT): £456.01 Annual total: £8,334.17 Please note that there will be no refund or additional premium for any transaction which is less than £20 (excluding IPT). Hiscox Business Insurance Policy Schedule 14502 10/18 Summary Claims information If you need to make a claim: - For claims relating to your building or contents please contact our claims team on 0800 247 1902, 9.00am – 5:30pm Monday to Friday. If you wish to make a claim online, you can log most claims quickly and easily through our claims notification portal at https://claims.hiscox.co.uk/. Outside of normal business hours, if you require emergency assistance in relation to substantial damage to your property, you can speak to our 24-hour emergency assistance team using the telephone number above. Your policy schedule will state if property cover is included in your policy. Our out-of-hours emergency assistance team operate ona pay-and-claim basis and you will need to have credit card details available as appropriate. The team will then be able to direct you to essential tradesmen, emergency loss adjusters or disaster management companies in the event of substantial damage. - If there isa claim (or potential claim) against you bya third party, please email us at liability.claims@hiscox.com. If you need to speak to a member of the claims team urgently, please call our team on 0800 711 7156, 9.00am – 5:30pm Monday to Friday. If you wish to make a claim online, you can log most claims quickly and easily through our claims notification portal at https://claims.hiscox.co.uk/. You will need to provide your full name and contact details, the name of your business or organisation, your address and postcode, the policy reference and circumstances of the claim. The Important information and contact details section below contains additional information specific to the covers applicable to your policy. If you are unsure of who to contact please call our team on 0800 711 7156, 9.00am – 5:30pm Monday to Friday. They will ensure you get through to the correct claims team and let you know what actions you need to take. If anything happens that might be covered under the policy, you must comply with the obligations set out in General claims conditions, together with the obligations set out under Your obligations in the section or sections under which you are making the claim. Itis important that you read the policy for details of its terms in full. Your covers This isa summary of each section of your policy. See each section for cover details. Cover Insurance amount Excess Annual Premium (exc IPT) Professional indemnity £1,000,000 £1,000 £2,513.17 Legal protection £100,000 £0 £7,096.46 Crisis containment £25,000 - £8,765.89 The figures above are in summary only and are not in addition to the amount insured specified against each cover section below. Hiscox Business Insurance Policy Schedule 14502 10/18 SECTION: PROFESSIONAL INDEMNITY – MANAGEMENT CONSULTANTS Cover start date: 22 May, 2021 Limit of indemnity £1,000,000 Limit applies to in the aggregate, including all costs Excess £1,000 Excess applies to each and every claim or loss, including all costs Geographical limits Worldwide Applicable courts Worldwide (excluding United States of America and Canada) Claims brought in USA or Canada Not covered Additional covers (in addition to overall limit of indemnity stated above) Cover Limit of indemnity Limit applies to Court attendance compensation - employees £250 per person, per day Court attendance compensation - directors and partners£500 per person, per day Court attendance compensation: in total £100,000 in the aggregate Special limits (included within not in addition to the overall limit of indemnity stated above) Cover Limit of indemnity Limit applies to Personal dataPage / 2 claims £250,000 in the aggregate, including all costs Business activities Business management consultant Retroactive date 2020-04-09 Insurer Hiscox Insurance Company LimitedPage / 1 Hiscox Insurance Summary of change Introduction This document has been created to help you understand the key changes to your Hiscox Insurance policy and how they may impact you. Your policy continues to offer professional, tailored insurance to protect you and give you peace of mind that if you need us, you will be supported by our award winning claims team. If you have a query not covered by this document, or if you have any questions or concerns about your policy you should contact us. Frequently asked questions What if my circumstances change during the period of insurance? If your circumstances change during the period of insurance, you only need to let us know if the change means that any of the information in the Statement of Fact is no longer true, complete and accurate. If there are no such changes, you do not need to let us know. If any of the information within the Statement of Fact becomes no longer complete, true or accurate at any point during the period of insurance you must tell us as it may affect the validity of the policy or our ability to pay a claim. Additionally, if your contact details change then you should let us know straightaway. Where doI find the limits that apply to my policy? You can find your maximum allowable limits for turnover and wage rollin your Statement of Fact. You must check this information and tell us or your broker if you expect to exceed the maximum amounts shown. Please note these values may have changed. If there are special limits or special excesses applying to particular covers or types of losses these will be shown in the policy schedule. Please check your policy schedule carefully as they may have changed. My new schedule shows a different premium to last year? What has changed? If an underwriter has reviewed your policy then they may have manually adjusted your premium, for example if you’ve had claims in the last 12 months. Where doI find out about any endorsements on my policy? You will be able to see if an endorsement has been applied or removed by reviewing your Policy Schedule. If you have any queries or concerns, please contact us or your broker if you have one. Hiscox Insurance Summary of change Professional indemnity for business management consultants Summary of change Changes to the cover The following table shows the differences between our new policy wordings (5570 WD- PROF-UK-MAN(7), 15579 WD-PROF-UK-MAN-AG(3)) and our previous wordings (5570 WD-PROF-UK-MAN(6), 15579 WD-PROF-UK-MAN-AG(2)). This isa summary of the changes only. You should refer to the schedule and policy wording for the full description of the cover in place. Area of cover Previous policy New policy Improvement in cover Claims against you Advertising claims. We will pay claims arising from your advertising or branding for defamation or infringement of copyright or moral rights. This does not include claims for passing off, unauthorised use of trademarks or false or misleading advertising. Previously cover was not restricted to defamation or the infringement of copyright or moral rights.Covered Amended Your own lossesChanges to ‘what is covered’ Losses from dishonesty. Your losses arising from the dishonesty of your employees, sub-contractors or outsourcers.Covered Not covered Area of cover Previous policy New policy Improvement in cover Cyber incident. We will not pay claims relating to an actual or possible cyber attack, hacker or social engineering communication. Previously we excluded any virus not specifically targeted at your system.Covered Not covered Computer or digital technology error. We will not pay claims arising from any negligent act, error or omission in the operation or maintenance of computer or digital technology such as development, installation, patching or upgrading.Covered Not coveredChanges to ‘what is not covered’ Infrastructure. We will not pay claims arising from the failure of the service provided by internet, telecommunications, utilities or other infrastructure providers.Covered Not covered Hiscox Insurance Summary of change Personal data. We will not pay claims relating to personal data. We will pay such claims where they arise from your performance ofa business activity and which is not otherwise excluded. Subject to the limit shown in the schedule.Covered Not covered Other important changes Control of defence. Under the previous wording we had a duty to defend you against any covered claim brought against you. We now have the right but not the obligation to take control of the conduct of the claim including the appointment of legal representation. Please refer to the policy wording for full details. SOC-PROF-UK-MAN(1) 21367 01/21	ybvnb_wrghe	(?<=Policy number - )[-\w_\/\.]+?(?= Company name)	22 May, 2021	(?<=anniversary of your policy is approaching on )[-\w_\/\. ,]+?(?= \.)	null	null	Business	(?<=time to renew your Hiscox )[-\w_\/\. ]+?(?= Insurance)	2024-02-05
hiscox-business-1	Hiscox Business Insurance - Policy number - 4PC/BSTRV91X Company name: Davies-Nicholson It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : 4PC/BSTRV91X. Company name: Davies-Nicholson. Your Hiscox Insurance premium. Last year’s annual premium: This year’s annual premium. £ 6,214.96. £ 6,214.96. The premium includes all applicable insurance premium tax (IPT). Dear Dr Jeremy Archer-Blackburn. Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 28/06/2019 . Good news; if you want cover to continue with us and to make sure you stay protected by our award-winning cover, you do not need to do anything. We will update your policy onto our latest wording and continue to collect payment using the payment details we have for you. You must read the important information contained in this email and the attached documents. Your Hiscox Insurance Premium breakdown. The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). The amount shown as last year’s Annual premium will take into account any changes to the cover which may have been made during the last policy period. Cover. Last year’s annual premium (exc IPT). This year’s annual Premium (exc IPT). Professional indemnity. £5,308.24. £5,308.24. Legal protection. £2,028.84. £2,028.84. Crisis containment. £4,944.27. Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy . Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government 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-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 28/06/2019 . We’re here between 8:30am - 5:30pm Monday to Friday . Please note that we can only discuss policy changes with people named on the policy. Why renew with Hiscox. - Reassuring: we offer a range of cover options that can be tailored to your needs. - Flexible: we offer full flexibility to change your policy, with no administration fees . - Award-winning cover : we’ve been named Best Small Business Insurer 7 years running by Start Your Business Magazine . Please click this link for the Hiscox Referral Portal: https://refer.aklamio.com/hiscox/uk?source=postpurchase. Thank you again for choosing Hiscox to insure your business. We hope you and your business have a very successful year. Kind regards. Jon Dye. CEO, Hiscox UK. Business Insurance for the small and the brave. To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre. Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. This email and any files transmitted with it are confidential and intended solely for the use of the individual or entity to whom they are addressed. No one else is authorised to distribute, forward, print, copy or act upon any information contained in this email. If you have received this email in error, please notify the sender. Hiscox Syndicates Limited and Hiscox Insurance Company Limited are authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Hiscox Underwriting Limited, Hiscox Underwriting Services Ltd, Hiscox MGA Ltd and Hiscox ASM Ltd are authorised and regulated by the Financial Conduct Authority. Hiscox Assure SAS is duly registered as an insurance broker with the ORIAS, which is the French Official Registry of Insurance Intermediaries. Hiscox plc is a company registered in England and Wales under company registration number 2837811 and registered office at 1 Great St Helen's, London EC3A 6HX. Hiscox SA is a company registered in Luxembourg at 35 Avenue John F. Kennedy 35F, Luxembourg L-1855, and is authorised by the Commissariat aux Assurances de Luxembourg. It’s time to renew your Hiscox Business Insurance Hiscox Insurance policy number : 4PC/BSTRV91X Company name: Davies-Nicholson . It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : 4PC/BSTRV91X Company name: Davies-Nicholson . Your Hiscox Insurance premium Last year’s annual premium: This year’s annual premium The premium includes all applicable insurance premium tax (IPT). £ 6,214.96 £ 6,214.96 . Your Hiscox Insurance premium . Last year’s annual premium: This year’s annual premium £ 6,214.96 £ 6,214.96 . The premium includes all applicable insurance premium tax (IPT). Dear Dr Jeremy Archer-Blackburn . Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 28/06/2019 . Good news; if you want cover to continue with us and to make sure you stay protected by our award-winning cover, you do not need to do anything. We will update your policy onto our latest wording and continue to collect payment using the payment details we have for you. You must read the important information contained in this email and the attached documents Your Hiscox Insurance Premium breakdown The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). The amount shown as last year’s Annual premium will take into account any changes to the cover which may have been made during the last policy period. Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) Professional indemnity £5,308.24 £5,308.24 Legal protection £2,028.84 £2,028.84 Crisis containment £4,944.27 Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government 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-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 28/06/2019 . We’re here between 8:30am - 5:30pm Monday to Friday . Please note that we can only discuss policy changes with people named on the policy. Why renew with Hiscox - Reassuring: we offer a range of cover options that can be tailored to your needs - Flexible: we offer full flexibility to change your policy, with no administration fees - Award-winning cover : we’ve been named Best Small Business Insurer 7 years running by Start Your Business Magazine Please click this link for the Hiscox Referral Portal: https://refer.aklamio.com/hiscox/uk?source=postpurchase Thank you again for choosing Hiscox to insure your business. We hope you and your business have a very successful year. Kind regards Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 28/06/2019 . Good news; if you want cover to continue with us and to make sure you stay protected by our award-winning cover, you do not need to do anything. We will update your policy onto our latest wording and continue to collect payment using the payment details we have for you. You must read the important information contained in this email and the attached documents Your Hiscox Insurance Premium breakdown The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). The amount shown as last year’s Annual premium will take into account any changes to the cover which may have been made during the last policy period. Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) Professional indemnity £5,308.24 £5,308.24 Legal protection £2,028.84 £2,028.84 Crisis containment £4,944.27 Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government 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-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 28/06/2019 . We’re here between 8:30am - 5:30pm Monday to Friday . Please note that we can only discuss policy changes with people named on the policy. Why renew with Hiscox - Reassuring: we offer a range of cover options that can be tailored to your needs - Flexible: we offer full flexibility to change your policy, with no administration fees - Award-winning cover : we’ve been named Best Small Business Insurer 7 years running by Start Your Business Magazine Please click this link for the Hiscox Referral Portal: https://refer.aklamio.com/hiscox/uk?source=postpurchase Thank you again for choosing Hiscox to insure your business. We hope you and your business have a very successful year. Kind regards Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Your Hiscox Insurance Premium breakdown The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). Cover Professional indemnity Legal protection Crisis containment . Last year’s annual premium (exc IPT) £5,308.24 £2,028.84 £4,944.27 . This year’s annual Premium (exc IPT) £5,308.24 £2,028.84 . Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) . Professional indemnity £5,308.24 £5,308.24 . Legal protection £2,028.84 £2,028.84 . Crisis containment £4,944.27 . Kind regards Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre . Kind regards . Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave . To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre . Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Page / 1 Hiscox Business Insurance Policy wording 17431a - DC565 WORDING 04/17Guide to sectionsIntroduction Policy wordings General terms and conditions Professional indemnity for business management consultants Legal protection Crisis containment Hiscox Business Insurance Policy wording 17431a - DC565 WORDING 04/17IntroductionThank you for choosing Hiscox to protect your business. We hope that the language and layout of this policy wording are clear because we want you to understand the insurance we provide as well as the responsibilities we have to each other. Please read this document, including the policy schedule, policy summary and statement of fact, and let us know as soon as possible if any of the details are shown incorrectly. We always try to deliver to the highest standards of service. Your views are important to us, so if you feel that our service is below the standard you would expect from Hiscox, please contact us on the phone number shown in your policy schedule. Please note that some of the words we use in this insurance are shown in bold type. These words are defined in each section of the wording. Page / 1 Hiscox Insurance Payment schedule Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Thank you for continuing to pay for your policy by Direct Debit. Please check these details and let us know if anything is incorrect or if the schedule is not suitable. Your reference details Account holder name: Jeremy Archer-Blackburn Frequency of collection: Annual Sort code: %BANK_SORT_CODE_1% Account number: %BANK_ACCOUNT_NUMBER_1% Your Direct Debit schedule We will take payments on the dates outlined below: Date Amount 15/07/24 £6,214.96 Where your chosen collection date falls ona non-working day then we will endeavour to collect the next working day. For your information, the collections will be made using the following reference number: Originator Identification Number: 293461 Reference Number: 4PC/BSTRV91X If you have any questions about your policy or payments, please call us on 0800 280 0351. We’re here between 8:30am - 5:30pm Monday to Friday or you can email us at service@hiscox.co.uk. Using your personal information Hiscox isa trading name ofa number of Hiscox companies. The specific company acting asa data controller of your personal information will be listed in the documentation we provide to you. If you are unsure you can also contact us at anytime by telephoning 01904 681198 or by emailing us at dataprotectionofficer@hiscox.com. We collect and process information about you in order to provide insurance policies and to process claims. Your information is also used for business purposes such as fraud prevention and detection and financial management. This may involve sharing your information with, and obtaining information about you from, our group companies and third parties such as brokers, loss adjusters, credit reference agencies, service providers, professional advisors, our regulators or fraud prevention agencies. We may record telephone calls to help us monitor and improve the service we provide. For further information on how your information is used and your rights in relation to your information please see our privacy policy at www.hiscox.co.uk/cookies-privacy. The Direct Debit Guarantee This Guarantee is offered by all banks and building societies that accept instructions to pay Direct Debits. If there are any changes to the amount, date or frequency of your Direct Debit Hiscox Underwriting Ltd will notify you ten working days in advance of your account being debited or as otherwise agreed. If you request Hiscox Underwriting Ltd to collect a payment, confirmation of the amount and date will be given to you at the time of the request. If an error is made in the payment of your Direct Debit by Hiscox Underwriting Ltd or your bank or building society you are entitled to a full and immediate refund of the amount paid from your bank or building society. – If you receive a refund you are not entitled to, you must pay it back when Hiscox Underwriting Ltd asks you to. You can cancel a Direct Debit at anytime by simply contacting your bank or building society. Written confirmation maybe required. Please also notify us. Page / 1 Hiscox Business Insurance Policy summary JAC-PSC-UK-DC556(5.4) 17431b 07/20 Your Hiscox Business Insurance policy summaries This document contains the summaries for any policy covers you have selected to protect your business. These summaries outline the key information about your policies so you can be confident that you have understood what you have bought and what you are covered for. However, you should carefully read your policy in full and ensure that you understand its terms and conditions in full. If you have any queries, you should contact Hiscox or your insurance advisor. Your side of the bargain Remember, your premium and insurance are based on the details you have provided to us. Please make sure this information accurately reflects your business and that you inform us immediately if anything needs to change. Please also tell us of any changes in circumstances that may affect the services provided by us or the cover provided by your policy. This is particularly important before taking out a policy, but it also applies throughout the life of the policy too. You need to consider: ■if you fail to fairly present the risk to us, including by failing to disclose any information material to the insurance, you could invalidate the policy, claims may not be paid or the amount we pay maybe reduced; ■you should read and check all insurance documents to ensure that you are aware of the cover, limits and other terms that apply; ■if you fail to let us know of any changes to your circumstances during the period of insurance or, if when telling us about such changes you fail to present the risk to us fairly, you could invalidate the policy, claims may not be paid or the amount we pay maybe reduced; ■please be aware of all terms and conditions of your policy because failure to comply with them could invalidate it or result in us not paying a claim or reducing the amount we pay; ■in the event ofa claim, you should take note of the required procedures, such as giving Hiscox prompt notice of the claims, as stated in the policy documentation. In particular, if you fail to notify us when you first become aware ofa shortcoming, fact, or problem, admit you are liable for what has happened or appoint solicitors or other legal representation without our prior written approval, claims or defence costs may not be paid or the amount we pay maybe reduced; ■as with any insurance, you have an obligation to take reasonable steps to mitigate any loss or liability; ■if you make a fraudulent claim or try to deceive us, we may terminate the policy. Policy length The period of insurance is shown on your policy schedule. Your policy schedule will also show if the policy is ona continuing cover basis. If itis ona continuing cover basis, we will renew your policy each year for another 12 months and continue to take payment (including any premium adjustment shown in your renewal invitation) using your existing arrangement, unless you tell us otherwise or if your risk changes. If your policy schedule does not show that the policy is ona continuing cover basis, cover will cease at the end of the period of insurance, unless you renew your policy with us. We will provide you witha statement of fact each year and provided that the information contained within the statement of fact is true, complete and accurate, you do not need to provide us with any further information. If any of the information in your statement of fact is not true, complete and accurate, you must let us know. If you do not let us know, it may affect the validity of the policy or our ability to pay a claim. Retroactive dates, geographical and jurisdiction limits Where any section of your policy schedule includes a retroactive date, we will not make any payment for any claim or loss under that section which arises from any activity performed or any act, incident or occurrence taking place, before the retroactive date. Where any section of your policy schedule shows the geographical limits which apply to that section of the policy, we will only pay for claims and losses under that section which arise from activities performed or acts, incidents or occurrences taking place within those geographical limits. Where any section provides cover in respect of your liability to third parties, we will only cover claims first made ina country within the applicable courts stated in that section of your policy schedule. Hiscox Business Insurance Policy summary JAC-PSC-UK-DC556(5.4) 17431b 07/20 Cancellation rights You can cancel this policy by giving us 30 days' notice. You will only be charged for the premiums due up to the date of cancellation. If we need to cancel the policy, we’ll give you 30 days’ notice in writing and refund any surplus premiums you might have paid. Please note – we may deduct an administration fee from any refunded payment.There is an exception to our 30-day notice period, which is triggered when we don’t receive your Direct Debit payments within the agreed 14-day period. At this point, we will contact you as soon as possible and stop the 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-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:4PC/BSTRV91X Name of policy holder:Davies-Nicholson Period of insurance: From 28/06/2019 to 13/06/21 both days inclusive. This policy isa Continuing cover policy Insurer: Hiscox Insurance Company Limited Retroactive date: Thu 27 October, 2022 Level of cover:£1,000,000 Signed on behalf of Hiscox Underwriting Limited as agent for the insurers Jon Dye CEO, Hiscox UK Notes: (a) This insurance is subject to policy terms and conditions and any special terms notified to the InsuredPage / 1 Hiscox Business Insurance Policy Schedule 14502 10/18 This schedule tells you what is insured with us. It should be read carefully with your policy wording(s) and statement of fact detailed elsewhere in this document. Schedule effective date: 28/06/2019 Insurance details Policy number: 4PC/BSTRV91X Period of insurance: From 28/06/2019 to 13/06/21 both days inclusive. This policy isa Continuing cover policy. Insured: Davies-Nicholson Address: Flat 71 Saunders vista Rachelville FARNHAM LU4E 3HQ Additional insureds: None Business: Management Consultants Premium details Charged premium – the total amount you’ll pay for this policy. Charged premium: £2,103.32 Insurance Premium Tax (IPT): £2,305.15 Total charged premium: £6,214.96 Annualised premium – the annual premium for this policy. This is given for comparison purposes. Please refer to the charged premium section for the amount you’ll pay for the policy. Annual premium: £2,103.32 Insurance Premium Tax (IPT): £2,305.15 Annual total: £6,214.96 Please note that there will be no refund or additional premium for any transaction which is less than £20 (excluding IPT). Hiscox Business Insurance Policy Schedule 14502 10/18 Summary Claims information If you need to make a claim: - For claims relating to your building or contents please contact our claims team on 0800 247 1902, 9.00am – 5:30pm Monday to Friday. If you wish to make a claim online, you can log most claims quickly and easily through our claims notification portal at https://claims.hiscox.co.uk/. Outside of normal business hours, if you require emergency assistance in relation to substantial damage to your property, you can speak to our 24-hour emergency assistance team using the telephone number above. Your policy schedule will state if property cover is included in your policy. Our out-of-hours emergency assistance team operate ona pay-and-claim basis and you will need to have credit card details available as appropriate. The team will then be able to direct you to essential tradesmen, emergency loss adjusters or disaster management companies in the event of substantial damage. - If there isa claim (or potential claim) against you bya third party, please email us at liability.claims@hiscox.com. If you need to speak to a member of the claims team urgently, please call our team on 0800 711 7156, 9.00am – 5:30pm Monday to Friday. If you wish to make a claim online, you can log most claims quickly and easily through our claims notification portal at https://claims.hiscox.co.uk/. You will need to provide your full name and contact details, the name of your business or organisation, your address and postcode, the policy reference and circumstances of the claim. The Important information and contact details section below contains additional information specific to the covers applicable to your policy. If you are unsure of who to contact please call our team on 0800 711 7156, 9.00am – 5:30pm Monday to Friday. They will ensure you get through to the correct claims team and let you know what actions you need to take. If anything happens that might be covered under the policy, you must comply with the obligations set out in General claims conditions, together with the obligations set out under Your obligations in the section or sections under which you are making the claim. Itis important that you read the policy for details of its terms in full. Your covers This isa summary of each section of your policy. See each section for cover details. Cover Insurance amount Excess Annual Premium (exc IPT) Professional indemnity £1,000,000 £1,000 £5,308.24 Legal protection £100,000 £0 £2,028.84 Crisis containment £25,000 - £4,944.27 The figures above are in summary only and are not in addition to the amount insured specified against each cover section below. Hiscox Business Insurance Policy Schedule 14502 10/18 SECTION: PROFESSIONAL INDEMNITY – MANAGEMENT CONSULTANTS Cover start date: 28/06/2019 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 dataPage / 2 claims £250,000 in the aggregate, including all costs Business activities Business management consultant Retroactive date Thu 27 October, 2022 Insurer Hiscox Insurance Company LimitedPage / 1 Hiscox Insurance Summary of change Introduction This document has been created to help you understand the key changes to your Hiscox Insurance policy and how they may impact you. Your policy continues to offer professional, tailored insurance to protect you and give you peace of mind that if you need us, you will be supported by our award winning claims team. If you have a query not covered by this document, or if you have any questions or concerns about your policy you should contact us. Frequently asked questions What if my circumstances change during the period of insurance? If your circumstances change during the period of insurance, you only need to let us know if the change means that any of the information in the Statement of Fact is no longer true, complete and accurate. If there are no such changes, you do not need to let us know. If any of the information within the Statement of Fact becomes no longer complete, true or accurate at any point during the period of insurance you must tell us as it may affect the validity of the policy or our ability to pay a claim. Additionally, if your contact details change then you should let us know straightaway. Where doI find the limits that apply to my policy? You can find your maximum allowable limits for turnover and wage rollin your Statement of Fact. You must check this information and tell us or your broker if you expect to exceed the maximum amounts shown. Please note these values may have changed. If there are special limits or special excesses applying to particular covers or types of losses these will be shown in the policy schedule. Please check your policy schedule carefully as they may have changed. My new schedule shows a different premium to last year? What has changed? If an underwriter has reviewed your policy then they may have manually adjusted your premium, for example if you’ve had claims in the last 12 months. Where doI find out about any endorsements on my policy? You will be able to see if an endorsement has been applied or removed by reviewing your Policy Schedule. If you have any queries or concerns, please contact us or your broker if you have one. Hiscox Insurance Summary of change Professional indemnity for business management consultants Summary of change Changes to the cover The following table shows the differences between our new policy wordings (5570 WD- PROF-UK-MAN(7), 15579 WD-PROF-UK-MAN-AG(3)) and our previous wordings (5570 WD-PROF-UK-MAN(6), 15579 WD-PROF-UK-MAN-AG(2)). This isa summary of the changes only. You should refer to the schedule and policy wording for the full description of the cover in place. Area of cover Previous policy New policy Improvement in cover Claims against you Advertising claims. We will pay claims arising from your advertising or branding for defamation or infringement of copyright or moral rights. This does not include claims for passing off, unauthorised use of trademarks or false or misleading advertising. Previously cover was not restricted to defamation or the infringement of copyright or moral rights.Covered Amended Your own lossesChanges to ‘what is covered’ Losses from dishonesty. Your losses arising from the dishonesty of your employees, sub-contractors or outsourcers.Covered Not covered Area of cover Previous policy New policy Improvement in cover Cyber incident. We will not pay claims relating to an actual or possible cyber attack, hacker or social engineering communication. Previously we excluded any virus not specifically targeted at your system.Covered Not covered Computer or digital technology error. We will not pay claims arising from any negligent act, error or omission in the operation or maintenance of computer or digital technology such as development, installation, patching or upgrading.Covered Not coveredChanges to ‘what is not covered’ Infrastructure. We will not pay claims arising from the failure of the service provided by internet, telecommunications, utilities or other infrastructure providers.Covered Not covered Hiscox Insurance Summary of change Personal data. We will not pay claims relating to personal data. We will pay such claims where they arise from your performance ofa business activity and which is not otherwise excluded. Subject to the limit shown in the schedule.Covered Not covered Other important changes Control of defence. Under the previous wording we had a duty to defend you against any covered claim brought against you. We now have the right but not the obligation to take control of the conduct of the claim including the appointment of legal representation. Please refer to the policy wording for full details. SOC-PROF-UK-MAN(1) 21367 01/21	4PC/BSTRV91X	(?<=Policy number - )[-\w_\/\.]+?(?= Company name)	28/06/2019	(?<=anniversary of your policy is approaching on )[-\w_\/\. ,]+?(?= \.)	null	null	Business	(?<=time to renew your Hiscox )[-\w_\/\. ]+?(?= Insurance)	2024-02-05
hiscox-business-1	Hiscox Business Insurance - Policy number - 0AR170.FNU3MI9 Company name: Ward Ltd It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : 0AR170.FNU3MI9. Company name: Ward Ltd. Your Hiscox Insurance premium. Last year’s annual premium: This year’s annual premium. £ 5,537.91. £ 5,537.91. The premium includes all applicable insurance premium tax (IPT). Dear Mr Mr Roy Cook. Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 30/01/22 . Good news; if you want cover to continue with us and to make sure you stay protected by our award-winning cover, you do not need to do anything. We will update your policy onto our latest wording and continue to collect payment using the payment details we have for you. You must read the important information contained in this email and the attached documents. Your Hiscox Insurance Premium breakdown. The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). The amount shown as last year’s Annual premium will take into account any changes to the cover which may have been made during the last policy period. Cover. Last year’s annual premium (exc IPT). This year’s annual Premium (exc IPT). Professional indemnity. £1,986.27. £1,986.27. Legal protection. £5,152.01. £5,152.01. Crisis containment. £9,570.75. Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy . Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government 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 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 30/01/22 . 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 : 0AR170.FNU3MI9 Company name: Ward Ltd . It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : 0AR170.FNU3MI9 Company name: Ward Ltd . Your Hiscox Insurance premium Last year’s annual premium: This year’s annual premium The premium includes all applicable insurance premium tax (IPT). £ 5,537.91 £ 5,537.91 . Your Hiscox Insurance premium . Last year’s annual premium: This year’s annual premium £ 5,537.91 £ 5,537.91 . The premium includes all applicable insurance premium tax (IPT). Dear Mr Mr Roy Cook . Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 30/01/22 . Good news; if you want cover to continue with us and to make sure you stay protected by our award-winning cover, you do not need to do anything. We will update your policy onto our latest wording and continue to collect payment using the payment details we have for you. You must read the important information contained in this email and the attached documents Your Hiscox Insurance Premium breakdown The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). The amount shown as last year’s Annual premium will take into account any changes to the cover which may have been made during the last policy period. Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) Professional indemnity £1,986.27 £1,986.27 Legal protection £5,152.01 £5,152.01 Crisis containment £9,570.75 Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government 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 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 30/01/22 . We’re here between 8:30am - 5:30pm Monday to Friday . Please note that we can only discuss policy changes with people named on the policy. Why renew with Hiscox - Reassuring: we offer a range of cover options that can be tailored to your needs - Flexible: we offer full flexibility to change your policy, with no administration fees - Award-winning cover : we’ve been named Best Small Business Insurer 7 years running by Start Your Business Magazine Please click this link for the Hiscox Referral Portal: https://refer.aklamio.com/hiscox/uk?source=postpurchase Thank you again for choosing Hiscox to insure your business. We hope you and your business have a very successful year. Kind regards Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 30/01/22 . Good news; if you want cover to continue with us and to make sure you stay protected by our award-winning cover, you do not need to do anything. We will update your policy onto our latest wording and continue to collect payment using the payment details we have for you. You must read the important information contained in this email and the attached documents Your Hiscox Insurance Premium breakdown The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). The amount shown as last year’s Annual premium will take into account any changes to the cover which may have been made during the last policy period. Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) Professional indemnity £1,986.27 £1,986.27 Legal protection £5,152.01 £5,152.01 Crisis containment £9,570.75 Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government 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 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 30/01/22 . We’re here between 8:30am - 5:30pm Monday to Friday . Please note that we can only discuss policy changes with people named on the policy. Why renew with Hiscox - Reassuring: we offer a range of cover options that can be tailored to your needs - Flexible: we offer full flexibility to change your policy, with no administration fees - Award-winning cover : we’ve been named Best Small Business Insurer 7 years running by Start Your Business Magazine Please click this link for the Hiscox Referral Portal: https://refer.aklamio.com/hiscox/uk?source=postpurchase Thank you again for choosing Hiscox to insure your business. We hope you and your business have a very successful year. Kind regards Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Your Hiscox Insurance Premium breakdown The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). Cover Professional indemnity Legal protection Crisis containment . Last year’s annual premium (exc IPT) £1,986.27 £5,152.01 £9,570.75 . This year’s annual Premium (exc IPT) £1,986.27 £5,152.01 . Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) . Professional indemnity £1,986.27 £1,986.27 . Legal protection £5,152.01 £5,152.01 . Crisis containment £9,570.75 . Kind regards Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre . Kind regards . Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave . To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre . Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Page / 1 Hiscox Business Insurance Policy wording 17431a - DC565 WORDING 04/17Guide to sectionsIntroduction Policy wordings General terms and conditions Professional indemnity for business management consultants Legal protection Crisis containment Hiscox Business Insurance Policy wording 17431a - DC565 WORDING 04/17IntroductionThank you for choosing Hiscox to protect your business. We hope that the language and layout of this policy wording are clear because we want you to understand the insurance we provide as well as the responsibilities we have to each other. Please read this document, including the policy schedule, policy summary and statement of fact, and let us know as soon as possible if any of the details are shown incorrectly. We always try to deliver to the highest standards of service. Your views are important to us, so if you feel that our service is below the standard you would expect from Hiscox, please contact us on the phone number shown in your policy schedule. Please note that some of the words we use in this insurance are shown in bold type. These words are defined in each section of the wording. Page / 1 Hiscox Insurance Payment schedule Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Thank you for continuing to pay for your policy by Direct Debit. Please check these details and let us know if anything is incorrect or if the schedule is not suitable. Your reference details Account holder name: Mr Roy Cook Frequency of collection: Annual Sort code: %BANK_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 September, 2022 £5,537.91 Where your chosen collection date falls ona non-working day then we will endeavour to collect the next working day. For your information, the collections will be made using the following reference number: Originator Identification Number: 293461 Reference Number: 0AR170.FNU3MI9 If you have any questions about your policy or payments, please call us on 0800 280 0351. We’re here between 8:30am - 5:30pm Monday to Friday or you can email us at service@hiscox.co.uk. Using your personal information Hiscox isa trading name ofa number of Hiscox companies. The specific company acting asa data controller of your personal information will be listed in the documentation we provide to you. If you are unsure you can also contact us at anytime by telephoning 01904 681198 or by emailing us at dataprotectionofficer@hiscox.com. We collect and process information about you in order to provide insurance policies and to process claims. Your information is also used for business purposes such as fraud prevention and detection and financial management. This may involve sharing your information with, and obtaining information about you from, our group companies and third parties such as brokers, loss adjusters, credit reference agencies, service providers, professional advisors, our regulators or fraud prevention agencies. We may record telephone calls to help us monitor and improve the service we provide. For further information on how your information is used and your rights in relation to your information please see our privacy policy at www.hiscox.co.uk/cookies-privacy. The Direct Debit Guarantee This Guarantee is offered by all banks and building societies that accept instructions to pay Direct Debits. If there are any changes to the amount, date or frequency of your Direct Debit Hiscox Underwriting Ltd will notify you ten working days in advance of your account being debited or as otherwise agreed. If you request Hiscox Underwriting Ltd to collect a payment, confirmation of the amount and date will be given to you at the time of the request. If an error is made in the payment of your Direct Debit by Hiscox Underwriting Ltd or your bank or building society you are entitled to a full and immediate refund of the amount paid from your bank or building society. – If you receive a refund you are not entitled to, you must pay it back when Hiscox Underwriting Ltd asks you to. You can cancel a Direct Debit at anytime by simply contacting your bank or building society. Written confirmation maybe required. Please also notify us. Page / 1 Hiscox Business Insurance Policy summary JAC-PSC-UK-DC556(5.4) 17431b 07/20 Your Hiscox Business Insurance policy summaries This document contains the summaries for any policy covers you have selected to protect your business. These summaries outline the key information about your policies so you can be confident that you have understood what you have bought and what you are covered for. However, you should carefully read your policy in full and ensure that you understand its terms and conditions in full. If you have any queries, you should contact Hiscox or your insurance advisor. Your side of the bargain Remember, your premium and insurance are based on the details you have provided to us. Please make sure this information accurately reflects your business and that you inform us immediately if anything needs to change. Please also tell us of any changes in circumstances that may affect the services provided by us or the cover provided by your policy. This is particularly important before taking out a policy, but it also applies throughout the life of the policy too. You need to consider: ■if you fail to fairly present the risk to us, including by failing to disclose any information material to the insurance, you could invalidate the policy, claims may not be paid or the amount we pay maybe reduced; ■you should read and check all insurance documents to ensure that you are aware of the cover, limits and other terms that apply; ■if you fail to let us know of any changes to your circumstances during the period of insurance or, if when telling us about such changes you fail to present the risk to us fairly, you could invalidate the policy, claims may not be paid or the amount we pay maybe reduced; ■please be aware of all terms and conditions of your policy because failure to comply with them could invalidate it or result in us not paying a claim or reducing the amount we pay; ■in the event ofa claim, you should take note of the required procedures, such as giving Hiscox prompt notice of the claims, as stated in the policy documentation. In particular, if you fail to notify us when you first become aware ofa shortcoming, fact, or problem, admit you are liable for what has happened or appoint solicitors or other legal representation without our prior written approval, claims or defence costs may not be paid or the amount we pay maybe reduced; ■as with any insurance, you have an obligation to take reasonable steps to mitigate any loss or liability; ■if you make a fraudulent claim or try to deceive us, we may terminate the policy. Policy length The period of insurance is shown on your policy schedule. Your policy schedule will also show if the policy is ona continuing cover basis. If itis ona continuing cover basis, we will renew your policy each year for another 12 months and continue to take payment (including any premium adjustment shown in your renewal invitation) using your existing arrangement, unless you tell us otherwise or if your risk changes. If your policy schedule does not show that the policy is ona continuing cover basis, cover will cease at the end of the period of insurance, unless you renew your policy with us. We will provide you witha statement of fact each year and provided that the information contained within the statement of fact is true, complete and accurate, you do not need to provide us with any further information. If any of the information in your statement of fact is not true, complete and accurate, you must let us know. If you do not let us know, it may affect the validity of the policy or our ability to pay a claim. Retroactive dates, geographical and jurisdiction limits Where any section of your policy schedule includes a retroactive date, we will not make any payment for any claim or loss under that section which arises from any activity performed or any act, incident or occurrence taking place, before the retroactive date. Where any section of your policy schedule shows the geographical limits which apply to that section of the policy, we will only pay for claims and losses under that section which arise from activities performed or acts, incidents or occurrences taking place within those geographical limits. Where any section provides cover in respect of your liability to third parties, we will only cover claims first made ina country within the applicable courts stated in that section of your policy schedule. Hiscox Business Insurance Policy summary JAC-PSC-UK-DC556(5.4) 17431b 07/20 Cancellation rights You can cancel this policy by giving us 30 days' notice. You will only be charged for the premiums due up to the date of cancellation. If we need to cancel the policy, we’ll give you 30 days’ notice in writing and refund any surplus premiums you might have paid. Please note – we may deduct an administration fee from any refunded payment.There is an exception to our 30-day notice period, which is triggered when we don’t receive your Direct Debit payments within the agreed 14-day period. At this point, we will contact you as soon as possible and stop the 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 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:0AR170.FNU3MI9 Name of policy holder:Ward Ltd Period of insurance: From 30/01/22 to Sunday 08 January, 2023 both days inclusive. This policy isa Continuing cover policy Insurer: Hiscox Insurance Company Limited Retroactive date: Mon 30 August, 2021 Level of cover:£1,000,000 Signed on behalf of Hiscox Underwriting Limited as agent for the insurers Jon Dye CEO, Hiscox UK Notes: (a) This insurance is subject to policy terms and conditions and any special terms notified to the InsuredPage / 1 Hiscox Business Insurance Policy Schedule 14502 10/18 This schedule tells you what is insured with us. It should be read carefully with your policy wording(s) and statement of fact detailed elsewhere in this document. Schedule effective date: 30/01/22 Insurance details Policy number: 0AR170.FNU3MI9 Period of insurance: From 30/01/22 to Sunday 08 January, 2023 both days inclusive. This policy isa Continuing cover policy. Insured: Ward Ltd Address: 707 Rachel islands Millerfurt FARNHAM B8H 5TL Additional insureds: None Business: Management Consultants Premium details Charged premium – the total amount you’ll pay for this policy. Charged premium: £264.96 Insurance Premium Tax (IPT): £4,322.61 Total charged premium: £5,537.91 Annualised premium – the annual premium for this policy. This is given for comparison purposes. Please refer to the charged premium section for the amount you’ll pay for the policy. Annual premium: £264.96 Insurance Premium Tax (IPT): £4,322.61 Annual total: £5,537.91 Please note that there will be no refund or additional premium for any transaction which is less than £20 (excluding IPT). Hiscox Business Insurance Policy Schedule 14502 10/18 Summary Claims information If you need to make a claim: - For claims relating to your building or contents please contact our claims team on 0800 247 1902, 9.00am – 5:30pm Monday to Friday. If you wish to make a claim online, you can log most claims quickly and easily through our claims notification portal at https://claims.hiscox.co.uk/. Outside of normal business hours, if you require emergency assistance in relation to substantial damage to your property, you can speak to our 24-hour emergency assistance team using the telephone number above. Your policy schedule will state if property cover is included in your policy. Our out-of-hours emergency assistance team operate ona pay-and-claim basis and you will need to have credit card details available as appropriate. The team will then be able to direct you to essential tradesmen, emergency loss adjusters or disaster management companies in the event of substantial damage. - If there isa claim (or potential claim) against you bya third party, please email us at liability.claims@hiscox.com. If you need to speak to a member of the claims team urgently, please call our team on 0800 711 7156, 9.00am – 5:30pm Monday to Friday. If you wish to make a claim online, you can log most claims quickly and easily through our claims notification portal at https://claims.hiscox.co.uk/. You will need to provide your full name and contact details, the name of your business or organisation, your address and postcode, the policy reference and circumstances of the claim. The Important information and contact details section below contains additional information specific to the covers applicable to your policy. If you are unsure of who to contact please call our team on 0800 711 7156, 9.00am – 5:30pm Monday to Friday. They will ensure you get through to the correct claims team and let you know what actions you need to take. If anything happens that might be covered under the policy, you must comply with the obligations set out in General claims conditions, together with the obligations set out under Your obligations in the section or sections under which you are making the claim. Itis important that you read the policy for details of its terms in full. Your covers This isa summary of each section of your policy. See each section for cover details. Cover Insurance amount Excess Annual Premium (exc IPT) Professional indemnity £1,000,000 £1,000 £1,986.27 Legal protection £100,000 £0 £5,152.01 Crisis containment £25,000 - £9,570.75 The figures above are in summary only and are not in addition to the amount insured specified against each cover section below. Hiscox Business Insurance Policy Schedule 14502 10/18 SECTION: PROFESSIONAL INDEMNITY – MANAGEMENT CONSULTANTS Cover start date: 30/01/22 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 dataPage / 2 claims £250,000 in the aggregate, including all costs Business activities Business management consultant Retroactive date Mon 30 August, 2021 Insurer Hiscox Insurance Company LimitedPage / 1 Hiscox Insurance Summary of change Introduction This document has been created to help you understand the key changes to your Hiscox Insurance policy and how they may impact you. Your policy continues to offer professional, tailored insurance to protect you and give you peace of mind that if you need us, you will be supported by our award winning claims team. If you have a query not covered by this document, or if you have any questions or concerns about your policy you should contact us. Frequently asked questions What if my circumstances change during the period of insurance? If your circumstances change during the period of insurance, you only need to let us know if the change means that any of the information in the Statement of Fact is no longer true, complete and accurate. If there are no such changes, you do not need to let us know. If any of the information within the Statement of Fact becomes no longer complete, true or accurate at any point during the period of insurance you must tell us as it may affect the validity of the policy or our ability to pay a claim. Additionally, if your contact details change then you should let us know straightaway. Where doI find the limits that apply to my policy? You can find your maximum allowable limits for turnover and wage rollin your Statement of Fact. You must check this information and tell us or your broker if you expect to exceed the maximum amounts shown. Please note these values may have changed. If there are special limits or special excesses applying to particular covers or types of losses these will be shown in the policy schedule. Please check your policy schedule carefully as they may have changed. My new schedule shows a different premium to last year? What has changed? If an underwriter has reviewed your policy then they may have manually adjusted your premium, for example if you’ve had claims in the last 12 months. Where doI find out about any endorsements on my policy? You will be able to see if an endorsement has been applied or removed by reviewing your Policy Schedule. If you have any queries or concerns, please contact us or your broker if you have one. Hiscox Insurance Summary of change Professional indemnity for business management consultants Summary of change Changes to the cover The following table shows the differences between our new policy wordings (5570 WD- PROF-UK-MAN(7), 15579 WD-PROF-UK-MAN-AG(3)) and our previous wordings (5570 WD-PROF-UK-MAN(6), 15579 WD-PROF-UK-MAN-AG(2)). This isa summary of the changes only. You should refer to the schedule and policy wording for the full description of the cover in place. Area of cover Previous policy New policy Improvement in cover Claims against you Advertising claims. We will pay claims arising from your advertising or branding for defamation or infringement of copyright or moral rights. This does not include claims for passing off, unauthorised use of trademarks or false or misleading advertising. Previously cover was not restricted to defamation or the infringement of copyright or moral rights.Covered Amended Your own lossesChanges to ‘what is covered’ Losses from dishonesty. Your losses arising from the dishonesty of your employees, sub-contractors or outsourcers.Covered Not covered Area of cover Previous policy New policy Improvement in cover Cyber incident. We will not pay claims relating to an actual or possible cyber attack, hacker or social engineering communication. Previously we excluded any virus not specifically targeted at your system.Covered Not covered Computer or digital technology error. We will not pay claims arising from any negligent act, error or omission in the operation or maintenance of computer or digital technology such as development, installation, patching or upgrading.Covered Not coveredChanges to ‘what is not covered’ Infrastructure. We will not pay claims arising from the failure of the service provided by internet, telecommunications, utilities or other infrastructure providers.Covered Not covered Hiscox Insurance Summary of change Personal data. We will not pay claims relating to personal data. We will pay such claims where they arise from your performance ofa business activity and which is not otherwise excluded. Subject to the limit shown in the schedule.Covered Not covered Other important changes Control of defence. Under the previous wording we had a duty to defend you against any covered claim brought against you. We now have the right but not the obligation to take control of the conduct of the claim including the appointment of legal representation. Please refer to the policy wording for full details. SOC-PROF-UK-MAN(1) 21367 01/21	0AR170.FNU3MI9	(?<=Policy number - )[-\w_\/\.]+?(?= Company name)	30/01/22	(?<=anniversary of your policy is approaching on )[-\w_\/\. ,]+?(?= \.)	null	null	Business	(?<=time to renew your Hiscox )[-\w_\/\. ]+?(?= Insurance)	2024-02-05
hiscox-business-1	Hiscox Business Insurance - Policy number - GW./HKKHP/TTI- Company name: Dixon PLC It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : GW./HKKHP/TTI-. Company name: Dixon PLC. Your Hiscox Insurance premium. Last year’s annual premium: This year’s annual premium. £ 5,713.10. £ 5,713.10. The premium includes all applicable insurance premium tax (IPT). Dear Miss Jason Wallis. Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 27 November, 2023 . Good news; if you want cover to continue with us and to make sure you stay protected by our award-winning cover, you do not need to do anything. We will update your policy onto our latest wording and continue to collect payment using the payment details we have for you. You must read the important information contained in this email and the attached documents. Your Hiscox Insurance Premium breakdown. The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). The amount shown as last year’s Annual premium will take into account any changes to the cover which may have been made during the last policy period. Cover. Last year’s annual premium (exc IPT). This year’s annual Premium (exc IPT). Professional indemnity. £7,427.35. £7,427.35. Legal protection. £6,168.45. £6,168.45. Crisis containment. £4,902.89. Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy . Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government increase in Insurance Premium Tax as shown. Is our information correct? Your premium and cover are based on what you’ve told us about Dixon 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 27 November, 2023 . We’re here between 8:30am - 5:30pm Monday to Friday . Please note that we can only discuss policy changes with people named on the policy. Why renew with Hiscox. - Reassuring: we offer a range of cover options that can be tailored to your needs. - Flexible: we offer full flexibility to change your policy, with no administration fees . - Award-winning cover : we’ve been named Best Small Business Insurer 7 years running by Start Your Business Magazine . Please click this link for the Hiscox Referral Portal: https://refer.aklamio.com/hiscox/uk?source=postpurchase. Thank you again for choosing Hiscox to insure your business. We hope you and your business have a very successful year. Kind regards. Jon Dye. CEO, Hiscox UK. Business Insurance for the small and the brave. To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre. Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. This email and any files transmitted with it are confidential and intended solely for the use of the individual or entity to whom they are addressed. No one else is authorised to distribute, forward, print, copy or act upon any information contained in this email. If you have received this email in error, please notify the sender. Hiscox Syndicates Limited and Hiscox Insurance Company Limited are authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Hiscox Underwriting Limited, Hiscox Underwriting Services Ltd, Hiscox MGA Ltd and Hiscox ASM Ltd are authorised and regulated by the Financial Conduct Authority. Hiscox Assure SAS is duly registered as an insurance broker with the ORIAS, which is the French Official Registry of Insurance Intermediaries. Hiscox plc is a company registered in England and Wales under company registration number 2837811 and registered office at 1 Great St Helen's, London EC3A 6HX. Hiscox SA is a company registered in Luxembourg at 35 Avenue John F. Kennedy 35F, Luxembourg L-1855, and is authorised by the Commissariat aux Assurances de Luxembourg. It’s time to renew your Hiscox Business Insurance Hiscox Insurance policy number : GW./HKKHP/TTI- Company name: Dixon PLC . It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : GW./HKKHP/TTI- Company name: Dixon PLC . Your Hiscox Insurance premium Last year’s annual premium: This year’s annual premium The premium includes all applicable insurance premium tax (IPT). £ 5,713.10 £ 5,713.10 . Your Hiscox Insurance premium . Last year’s annual premium: This year’s annual premium £ 5,713.10 £ 5,713.10 . The premium includes all applicable insurance premium tax (IPT). Dear Miss Jason Wallis . Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 27 November, 2023 . Good news; if you want cover to continue with us and to make sure you stay protected by our award-winning cover, you do not need to do anything. We will update your policy onto our latest wording and continue to collect payment using the payment details we have for you. You must read the important information contained in this email and the attached documents Your Hiscox Insurance Premium breakdown The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). The amount shown as last year’s Annual premium will take into account any changes to the cover which may have been made during the last policy period. Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) Professional indemnity £7,427.35 £7,427.35 Legal protection £6,168.45 £6,168.45 Crisis containment £4,902.89 Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government increase in Insurance Premium Tax as shown. Is our information correct? Your premium and cover are based on what you’ve told us about Dixon 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 27 November, 2023 . We’re here between 8:30am - 5:30pm Monday to Friday . Please note that we can only discuss policy changes with people named on the policy. Why renew with Hiscox - Reassuring: we offer a range of cover options that can be tailored to your needs - Flexible: we offer full flexibility to change your policy, with no administration fees - Award-winning cover : we’ve been named Best Small Business Insurer 7 years running by Start Your Business Magazine Please click this link for the Hiscox Referral Portal: https://refer.aklamio.com/hiscox/uk?source=postpurchase Thank you again for choosing Hiscox to insure your business. We hope you and your business have a very successful year. Kind regards Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 27 November, 2023 . Good news; if you want cover to continue with us and to make sure you stay protected by our award-winning cover, you do not need to do anything. We will update your policy onto our latest wording and continue to collect payment using the payment details we have for you. You must read the important information contained in this email and the attached documents Your Hiscox Insurance Premium breakdown The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). The amount shown as last year’s Annual premium will take into account any changes to the cover which may have been made during the last policy period. Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) Professional indemnity £7,427.35 £7,427.35 Legal protection £6,168.45 £6,168.45 Crisis containment £4,902.89 Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government increase in Insurance Premium Tax as shown. Is our information correct? Your premium and cover are based on what you’ve told us about Dixon 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 27 November, 2023 . We’re here between 8:30am - 5:30pm Monday to Friday . Please note that we can only discuss policy changes with people named on the policy. Why renew with Hiscox - Reassuring: we offer a range of cover options that can be tailored to your needs - Flexible: we offer full flexibility to change your policy, with no administration fees - Award-winning cover : we’ve been named Best Small Business Insurer 7 years running by Start Your Business Magazine Please click this link for the Hiscox Referral Portal: https://refer.aklamio.com/hiscox/uk?source=postpurchase Thank you again for choosing Hiscox to insure your business. We hope you and your business have a very successful year. Kind regards Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Your Hiscox Insurance Premium breakdown The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). Cover Professional indemnity Legal protection Crisis containment . Last year’s annual premium (exc IPT) £7,427.35 £6,168.45 £4,902.89 . This year’s annual Premium (exc IPT) £7,427.35 £6,168.45 . Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) . Professional indemnity £7,427.35 £7,427.35 . Legal protection £6,168.45 £6,168.45 . Crisis containment £4,902.89 . Kind regards Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre . Kind regards . Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave . To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre . Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Page / 1 Hiscox Business Insurance Policy wording 17431a - DC565 WORDING 04/17Guide to sectionsIntroduction Policy wordings General terms and conditions Professional indemnity for business management consultants Legal protection Crisis containment Hiscox Business Insurance Policy wording 17431a - DC565 WORDING 04/17IntroductionThank you for choosing Hiscox to protect your business. We hope that the language and layout of this policy wording are clear because we want you to understand the insurance we provide as well as the responsibilities we have to each other. Please read this document, including the policy schedule, policy summary and statement of fact, and let us know as soon as possible if any of the details are shown incorrectly. We always try to deliver to the highest standards of service. Your views are important to us, so if you feel that our service is below the standard you would expect from Hiscox, please contact us on the phone number shown in your policy schedule. Please note that some of the words we use in this insurance are shown in bold type. These words are defined in each section of the wording. Page / 1 Hiscox Insurance Payment schedule Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Thank you for continuing to pay for your policy by Direct Debit. Please check these details and let us know if anything is incorrect or if the schedule is not suitable. Your reference details Account holder name: Jason Wallis Frequency of collection: Annual Sort code: %BANK_SORT_CODE_1% Account number: %BANK_ACCOUNT_NUMBER_1% Your Direct Debit schedule We will take payments on the dates outlined below: Date Amount 13/09/2025 £5,713.10 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: GW./HKKHP/TTI- If you have any questions about your policy or payments, please call us on 0800 280 0351. We’re here between 8:30am - 5:30pm Monday to Friday or you can email us at service@hiscox.co.uk. Using your personal information Hiscox isa trading name ofa number of Hiscox companies. The specific company acting asa data controller of your personal information will be listed in the documentation we provide to you. If you are unsure you can also contact us at anytime by telephoning 01904 681198 or by emailing us at dataprotectionofficer@hiscox.com. We collect and process information about you in order to provide insurance policies and to process claims. Your information is also used for business purposes such as fraud prevention and detection and financial management. This may involve sharing your information with, and obtaining information about you from, our group companies and third parties such as brokers, loss adjusters, credit reference agencies, service providers, professional advisors, our regulators or fraud prevention agencies. We may record telephone calls to help us monitor and improve the service we provide. For further information on how your information is used and your rights in relation to your information please see our privacy policy at www.hiscox.co.uk/cookies-privacy. The Direct Debit Guarantee This Guarantee is offered by all banks and building societies that accept instructions to pay Direct Debits. If there are any changes to the amount, date or frequency of your Direct Debit Hiscox Underwriting Ltd will notify you ten working days in advance of your account being debited or as otherwise agreed. If you request Hiscox Underwriting Ltd to collect a payment, confirmation of the amount and date will be given to you at the time of the request. If an error is made in the payment of your Direct Debit by Hiscox Underwriting Ltd or your bank or building society you are entitled to a full and immediate refund of the amount paid from your bank or building society. – If you receive a refund you are not entitled to, you must pay it back when Hiscox Underwriting Ltd asks you to. You can cancel a Direct Debit at anytime by simply contacting your bank or building society. Written confirmation maybe required. Please also notify us. Page / 1 Hiscox Business Insurance Policy summary JAC-PSC-UK-DC556(5.4) 17431b 07/20 Your Hiscox Business Insurance policy summaries This document contains the summaries for any policy covers you have selected to protect your business. These summaries outline the key information about your policies so you can be confident that you have understood what you have bought and what you are covered for. However, you should carefully read your policy in full and ensure that you understand its terms and conditions in full. If you have any queries, you should contact Hiscox or your insurance advisor. Your side of the bargain Remember, your premium and insurance are based on the details you have provided to us. Please make sure this information accurately reflects your business and that you inform us immediately if anything needs to change. Please also tell us of any changes in circumstances that may affect the services provided by us or the cover provided by your policy. This is particularly important before taking out a policy, but it also applies throughout the life of the policy too. You need to consider: ■if you fail to fairly present the risk to us, including by failing to disclose any information material to the insurance, you could invalidate the policy, claims may not be paid or the amount we pay maybe reduced; ■you should read and check all insurance documents to ensure that you are aware of the cover, limits and other terms that apply; ■if you fail to let us know of any changes to your circumstances during the period of insurance or, if when telling us about such changes you fail to present the risk to us fairly, you could invalidate the policy, claims may not be paid or the amount we pay maybe reduced; ■please be aware of all terms and conditions of your policy because failure to comply with them could invalidate it or result in us not paying a claim or reducing the amount we pay; ■in the event ofa claim, you should take note of the required procedures, such as giving Hiscox prompt notice of the claims, as stated in the policy documentation. In particular, if you fail to notify us when you first become aware ofa shortcoming, fact, or problem, admit you are liable for what has happened or appoint solicitors or other legal representation without our prior written approval, claims or defence costs may not be paid or the amount we pay maybe reduced; ■as with any insurance, you have an obligation to take reasonable steps to mitigate any loss or liability; ■if you make a fraudulent claim or try to deceive us, we may terminate the policy. Policy length The period of insurance is shown on your policy schedule. Your policy schedule will also show if the policy is ona continuing cover basis. If itis ona continuing cover basis, we will renew your policy each year for another 12 months and continue to take payment (including any premium adjustment shown in your renewal invitation) using your existing arrangement, unless you tell us otherwise or if your risk changes. If your policy schedule does not show that the policy is ona continuing cover basis, cover will cease at the end of the period of insurance, unless you renew your policy with us. We will provide you witha statement of fact each year and provided that the information contained within the statement of fact is true, complete and accurate, you do not need to provide us with any further information. If any of the information in your statement of fact is not true, complete and accurate, you must let us know. If you do not let us know, it may affect the validity of the policy or our ability to pay a claim. Retroactive dates, geographical and jurisdiction limits Where any section of your policy schedule includes a retroactive date, we will not make any payment for any claim or loss under that section which arises from any activity performed or any act, incident or occurrence taking place, before the retroactive date. Where any section of your policy schedule shows the geographical limits which apply to that section of the policy, we will only pay for claims and losses under that section which arise from activities performed or acts, incidents or occurrences taking place within those geographical limits. Where any section provides cover in respect of your liability to third parties, we will only cover claims first made ina country within the applicable courts stated in that section of your policy schedule. Hiscox Business Insurance Policy summary JAC-PSC-UK-DC556(5.4) 17431b 07/20 Cancellation rights You can cancel this policy by giving us 30 days' notice. You will only be charged for the premiums due up to the date of cancellation. If we need to cancel the policy, we’ll give you 30 days’ notice in writing and refund any surplus premiums you might have paid. Please note – we may deduct an administration fee from any refunded payment.There is an exception to our 30-day notice period, which is triggered when we don’t receive your Direct Debit payments within the agreed 14-day period. At this point, we will contact you as soon as possible and stop the policyPage / 2 immediately. Underwritten by:Hiscox Underwriting Ltd on behalf of the insurers named in the schedule. Page / 1 Certificate of professional indemnity insurance Dixon 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:GW./HKKHP/TTI- Name of policy holder:Dixon PLC Period of insurance: From 27 November, 2023 to 01/11/23 both days inclusive. This policy isa Continuing cover policy Insurer: Hiscox Insurance Company Limited Retroactive date: 04/05/2024 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: 27 November, 2023 Insurance details Policy number: GW./HKKHP/TTI- Period of insurance: From 27 November, 2023 to 01/11/23 both days inclusive. This policy isa Continuing cover policy. Insured: Dixon PLC Address: Flat 20o Jones lakes North Victoria FARNHAM TW8B 1SW Additional insureds: None Business: Management Consultants Premium details Charged premium – the total amount you’ll pay for this policy. Charged premium: £527.34 Insurance Premium Tax (IPT): £3,510.62 Total charged premium: £5,713.10 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: £527.34 Insurance Premium Tax (IPT): £3,510.62 Annual total: £5,713.10 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 £7,427.35 Legal protection £100,000 £0 £6,168.45 Crisis containment £25,000 - £4,902.89 The figures above are in summary only and are not in addition to the 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 November, 2023 Limit of indemnity £1,000,000 Limit applies to in the aggregate, including all costs Excess £1,000 Excess applies to each and every claim or loss, including all costs Geographical limits Worldwide Applicable courts Worldwide (excluding United States of America and Canada) Claims brought in USA or Canada Not covered Additional covers (in addition to overall limit of indemnity stated above) Cover Limit of indemnity Limit applies to Court attendance compensation - employees £250 per person, per day Court attendance compensation - directors and partners£500 per person, per day Court attendance compensation: in total £100,000 in the aggregate Special limits (included within not in addition to the overall limit of indemnity stated above) Cover Limit of indemnity Limit applies to Personal dataPage / 2 claims £250,000 in the aggregate, including all costs Business activities Business management consultant Retroactive date 04/05/2024 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	GW./HKKHP/TTI-	(?<=Policy number - )[-\w_\/\.]+?(?= Company name)	27 November, 2023	(?<=anniversary of your policy is approaching on )[-\w_\/\. ,]+?(?= \.)	null	null	Business	(?<=time to renew your Hiscox )[-\w_\/\. ]+?(?= Insurance)	2024-02-05
hiscox-business-1	Hiscox Business Insurance - Policy number - DXJZPEU_D/JNT Company name: Johnson-Fry It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : DXJZPEU_D/JNT. Company name: Johnson-Fry. Your Hiscox Insurance premium. Last year’s annual premium: This year’s annual premium. £ 3,290.76. £ 3,290.76. The premium includes all applicable insurance premium tax (IPT). Dear Dr Justin Sanderson. Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 24 April, 2020 . Good news; if you want cover to continue with us and to make sure you stay protected by our award-winning cover, you do not need to do anything. We will update your policy onto our latest wording and continue to collect payment using the payment details we have for you. You must read the important information contained in this email and the attached documents. Your Hiscox Insurance Premium breakdown. The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). The amount shown as last year’s Annual premium will take into account any changes to the cover which may have been made during the last policy period. Cover. Last year’s annual premium (exc IPT). This year’s annual Premium (exc IPT). Professional indemnity. £9,288.57. £9,288.57. Legal protection. £7,911.01. £7,911.01. Crisis containment. £1,973.61. Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy . Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government 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-Fry , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay. . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover. Policy summary for each cover. ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover . As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before 24 April, 2020 . We’re here between 8:30am - 5:30pm Monday to Friday . Please note that we can only discuss policy changes with people named on the policy. Why renew with Hiscox. - Reassuring: we offer a range of cover options that can be tailored to your needs. - Flexible: we offer full flexibility to change your policy, with no administration fees . - Award-winning cover : we’ve been named Best Small Business Insurer 7 years running by Start Your Business Magazine . Please click this link for the Hiscox Referral Portal: https://refer.aklamio.com/hiscox/uk?source=postpurchase. Thank you again for choosing Hiscox to insure your business. We hope you and your business have a very successful year. Kind regards. Jon Dye. CEO, Hiscox UK. Business Insurance for the small and the brave. To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre. Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. This email and any files transmitted with it are confidential and intended solely for the use of the individual or entity to whom they are addressed. No one else is authorised to distribute, forward, print, copy or act upon any information contained in this email. If you have received this email in error, please notify the sender. Hiscox Syndicates Limited and Hiscox Insurance Company Limited are authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Hiscox Underwriting Limited, Hiscox Underwriting Services Ltd, Hiscox MGA Ltd and Hiscox ASM Ltd are authorised and regulated by the Financial Conduct Authority. Hiscox Assure SAS is duly registered as an insurance broker with the ORIAS, which is the French Official Registry of Insurance Intermediaries. Hiscox plc is a company registered in England and Wales under company registration number 2837811 and registered office at 1 Great St Helen's, London EC3A 6HX. Hiscox SA is a company registered in Luxembourg at 35 Avenue John F. Kennedy 35F, Luxembourg L-1855, and is authorised by the Commissariat aux Assurances de Luxembourg. It’s time to renew your Hiscox Business Insurance Hiscox Insurance policy number : DXJZPEU_D/JNT Company name: Johnson-Fry . It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : DXJZPEU_D/JNT Company name: Johnson-Fry . Your Hiscox Insurance premium Last year’s annual premium: This year’s annual premium The premium includes all applicable insurance premium tax (IPT). £ 3,290.76 £ 3,290.76 . Your Hiscox Insurance premium . Last year’s annual premium: This year’s annual premium £ 3,290.76 £ 3,290.76 . The premium includes all applicable insurance premium tax (IPT). Dear Dr Justin Sanderson . Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 24 April, 2020 . Good news; if you want cover to continue with us and to make sure you stay protected by our award-winning cover, you do not need to do anything. We will update your policy onto our latest wording and continue to collect payment using the payment details we have for you. You must read the important information contained in this email and the attached documents Your Hiscox Insurance Premium breakdown The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). The amount shown as last year’s Annual premium will take into account any changes to the cover which may have been made during the last policy period. Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) Professional indemnity £9,288.57 £9,288.57 Legal protection £7,911.01 £7,911.01 Crisis containment £1,973.61 Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government 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-Fry , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover Policy summary for each cover ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before 24 April, 2020 . We’re here between 8:30am - 5:30pm Monday to Friday . Please note that we can only discuss policy changes with people named on the policy. Why renew with Hiscox - Reassuring: we offer a range of cover options that can be tailored to your needs - Flexible: we offer full flexibility to change your policy, with no administration fees - Award-winning cover : we’ve been named Best Small Business Insurer 7 years running by Start Your Business Magazine Please click this link for the Hiscox Referral Portal: https://refer.aklamio.com/hiscox/uk?source=postpurchase Thank you again for choosing Hiscox to insure your business. We hope you and your business have a very successful year. Kind regards Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 24 April, 2020 . Good news; if you want cover to continue with us and to make sure you stay protected by our award-winning cover, you do not need to do anything. We will update your policy onto our latest wording and continue to collect payment using the payment details we have for you. You must read the important information contained in this email and the attached documents Your Hiscox Insurance Premium breakdown The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). The amount shown as last year’s Annual premium will take into account any changes to the cover which may have been made during the last policy period. Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) Professional indemnity £9,288.57 £9,288.57 Legal protection £7,911.01 £7,911.01 Crisis containment £1,973.61 Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government 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-Fry , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover Policy summary for each cover ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before 24 April, 2020 . We’re here between 8:30am - 5:30pm Monday to Friday . Please note that we can only discuss policy changes with people named on the policy. Why renew with Hiscox - Reassuring: we offer a range of cover options that can be tailored to your needs - Flexible: we offer full flexibility to change your policy, with no administration fees - Award-winning cover : we’ve been named Best Small Business Insurer 7 years running by Start Your Business Magazine Please click this link for the Hiscox Referral Portal: https://refer.aklamio.com/hiscox/uk?source=postpurchase Thank you again for choosing Hiscox to insure your business. We hope you and your business have a very successful year. Kind regards Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Your Hiscox Insurance Premium breakdown The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). Cover Professional indemnity Legal protection Crisis containment . Last year’s annual premium (exc IPT) £9,288.57 £7,911.01 £1,973.61 . This year’s annual Premium (exc IPT) £9,288.57 £7,911.01 . Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) . Professional indemnity £9,288.57 £9,288.57 . Legal protection £7,911.01 £7,911.01 . Crisis containment £1,973.61 . Kind regards Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre . Kind regards . Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave . To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre . Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Page / 1 Hiscox Business Insurance Policy wording 17431a - DC565 WORDING 04/17Guide to sectionsIntroduction Policy wordings General terms and conditions Professional indemnity for business management consultants Legal protection Crisis containment Hiscox Business Insurance Policy wording 17431a - DC565 WORDING 04/17IntroductionThank you for choosing Hiscox to protect your business. We hope that the language and layout of this policy wording are clear because we want you to understand the insurance we provide as well as the responsibilities we have to each other. Please read this document, including the policy schedule, policy summary and statement of fact, and let us know as soon as possible if any of the details are shown incorrectly. We always try to deliver to the highest standards of service. Your views are important to us, so if you feel that our service is below the standard you would expect from Hiscox, please contact us on the phone number shown in your policy schedule. Please note that some of the words we use in this insurance are shown in bold type. These words are defined in each section of the wording. Page / 1 Hiscox Insurance Payment schedule Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Thank you for continuing to pay for your policy by Direct Debit. Please check these details and let us know if anything is incorrect or if the schedule is not suitable. Your reference details Account holder name: Justin Sanderson Frequency of collection: Annual Sort code: %BANK_SORT_CODE_1% Account number: %BANK_ACCOUNT_NUMBER_1% Your Direct Debit schedule We will take payments on the dates outlined below: Date Amount 14/10/21 £3,290.76 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: DXJZPEU_D/JNT If you have any questions about your policy or payments, please call us on 0800 280 0351. We’re here between 8:30am - 5:30pm Monday to Friday or you can email us at service@hiscox.co.uk. Using your personal information Hiscox isa trading name ofa number of Hiscox companies. The specific company acting asa data controller of your personal information will be listed in the documentation we provide to you. If you are unsure you can also contact us at anytime by telephoning 01904 681198 or by emailing us at dataprotectionofficer@hiscox.com. We collect and process information about you in order to provide insurance policies and to process claims. Your information is also used for business purposes such as fraud prevention and detection and financial management. This may involve sharing your information with, and obtaining information about you from, our group companies and third parties such as brokers, loss adjusters, credit reference agencies, service providers, professional advisors, our regulators or fraud prevention agencies. We may record telephone calls to help us monitor and improve the service we provide. For further information on how your information is used and your rights in relation to your information please see our privacy policy at www.hiscox.co.uk/cookies-privacy. The Direct Debit Guarantee This Guarantee is offered by all banks and building societies that accept instructions to pay Direct Debits. If there are any changes to the amount, date or frequency of your Direct Debit Hiscox Underwriting Ltd will notify you ten working days in advance of your account being debited or as otherwise agreed. If you request Hiscox Underwriting Ltd to collect a payment, confirmation of the amount and date will be given to you at the time of the request. If an error is made in the payment of your Direct Debit by Hiscox Underwriting Ltd or your bank or building society you are entitled to a full and immediate refund of the amount paid from your bank or building society. – If you receive a refund you are not entitled to, you must pay it back when Hiscox Underwriting Ltd asks you to. You can cancel a Direct Debit at anytime by simply contacting your bank or building society. Written confirmation maybe required. Please also notify us. Page / 1 Hiscox Business Insurance Policy summary JAC-PSC-UK-DC556(5.4) 17431b 07/20 Your Hiscox Business Insurance policy summaries This document contains the summaries for any policy covers you have selected to protect your business. These summaries outline the key information about your policies so you can be confident that you have understood what you have bought and what you are covered for. However, you should carefully read your policy in full and ensure that you understand its terms and conditions in full. If you have any queries, you should contact Hiscox or your insurance advisor. Your side of the bargain Remember, your premium and insurance are based on the details you have provided to us. Please make sure this information accurately reflects your business and that you inform us immediately if anything needs to change. Please also tell us of any changes in circumstances that may affect the services provided by us or the cover provided by your policy. This is particularly important before taking out a policy, but it also applies throughout the life of the policy too. You need to consider: ■if you fail to fairly present the risk to us, including by failing to disclose any information material to the insurance, you could invalidate the policy, claims may not be paid or the amount we pay maybe reduced; ■you should read and check all insurance documents to ensure that you are aware of the cover, limits and other terms that apply; ■if you fail to let us know of any changes to your circumstances during the period of insurance or, if when telling us about such changes you fail to present the risk to us fairly, you could invalidate the policy, claims may not be paid or the amount we pay maybe reduced; ■please be aware of all terms and conditions of your policy because failure to comply with them could invalidate it or result in us not paying a claim or reducing the amount we pay; ■in the event ofa claim, you should take note of the required procedures, such as giving Hiscox prompt notice of the claims, as stated in the policy documentation. In particular, if you fail to notify us when you first become aware ofa shortcoming, fact, or problem, admit you are liable for what has happened or appoint solicitors or other legal representation without our prior written approval, claims or defence costs may not be paid or the amount we pay maybe reduced; ■as with any insurance, you have an obligation to take reasonable steps to mitigate any loss or liability; ■if you make a fraudulent claim or try to deceive us, we may terminate the policy. Policy length The period of insurance is shown on your policy schedule. Your policy schedule will also show if the policy is ona continuing cover basis. If itis ona continuing cover basis, we will renew your policy each year for another 12 months and continue to take payment (including any premium adjustment shown in your renewal invitation) using your existing arrangement, unless you tell us otherwise or if your risk changes. If your policy schedule does not show that the policy is ona continuing cover basis, cover will cease at the end of the period of insurance, unless you renew your policy with us. We will provide you witha statement of fact each year and provided that the information contained within the statement of fact is true, complete and accurate, you do not need to provide us with any further information. If any of the information in your statement of fact is not true, complete and accurate, you must let us know. If you do not let us know, it may affect the validity of the policy or our ability to pay a claim. Retroactive dates, geographical and jurisdiction limits Where any section of your policy schedule includes a retroactive date, we will not make any payment for any claim or loss under that section which arises from any activity performed or any act, incident or occurrence taking place, before the retroactive date. Where any section of your policy schedule shows the geographical limits which apply to that section of the policy, we will only pay for claims and losses under that section which arise from activities performed or acts, incidents or occurrences taking place within those geographical limits. Where any section provides cover in respect of your liability to third parties, we will only cover claims first made ina country within the applicable courts stated in that section of your policy schedule. Hiscox Business Insurance Policy summary JAC-PSC-UK-DC556(5.4) 17431b 07/20 Cancellation rights You can cancel this policy by giving us 30 days' notice. You will only be charged for the premiums due up to the date of cancellation. If we need to cancel the policy, we’ll give you 30 days’ notice in writing and refund any surplus premiums you might have paid. Please note – we may deduct an administration fee from any refunded payment.There is an exception to our 30-day notice period, which is triggered when we don’t receive your Direct Debit payments within the agreed 14-day period. At this point, we will contact you as soon as possible and stop the 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-Fry Hiscox Underwriting Ltd of 1 Great St. Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Certificate of professional indemnity Insurance Policy number:DXJZPEU_D/JNT Name of policy holder:Johnson-Fry Period of insurance: From 24 April, 2020 to 22/06/2022 both days inclusive. This policy isa Continuing cover policy Insurer: Hiscox Insurance Company Limited Retroactive date: Thursday 13 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: 24 April, 2020 Insurance details Policy number: DXJZPEU_D/JNT Period of insurance: From 24 April, 2020 to 22/06/2022 both days inclusive. This policy isa Continuing cover policy. Insured: Johnson-Fry Address: Flat 74H Sandra rue Jasonside FARNHAM HX43 3ZD Additional insureds: None Business: Management Consultants Premium details Charged premium – the total amount you’ll pay for this policy. Charged premium: £9,753.35 Insurance Premium Tax (IPT): £9,043.02 Total charged premium: £3,290.76 Annualised premium – the annual premium for this policy. This is given for comparison purposes. Please refer to the charged premium section for the amount you’ll pay for the policy. Annual premium: £9,753.35 Insurance Premium Tax (IPT): £9,043.02 Annual total: £3,290.76 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 £9,288.57 Legal protection £100,000 £0 £7,911.01 Crisis containment £25,000 - £1,973.61 The figures above are in summary only and are not in addition to the amount insured specified against each cover section below. Hiscox Business Insurance Policy Schedule 14502 10/18 SECTION: PROFESSIONAL INDEMNITY – MANAGEMENT CONSULTANTS Cover start date: 24 April, 2020 Limit of indemnity £1,000,000 Limit applies to in the aggregate, including all costs Excess £1,000 Excess applies to each and every claim or loss, including all costs Geographical limits Worldwide Applicable courts Worldwide (excluding United States of America and Canada) Claims brought in USA or Canada Not covered Additional covers (in addition to overall limit of indemnity stated above) Cover Limit of indemnity Limit applies to Court attendance compensation - employees £250 per person, per day Court attendance compensation - directors and partners£500 per person, per day Court attendance compensation: in total £100,000 in the aggregate Special limits (included within not in addition to the overall limit of indemnity stated above) Cover Limit of indemnity Limit applies to Personal dataPage / 2 claims £250,000 in the aggregate, including all costs Business activities Business management consultant Retroactive date Thursday 13 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	DXJZPEU_D/JNT	(?<=Policy number - )[-\w_\/\.]+?(?= Company name)	24 April, 2020	(?<=anniversary of your policy is approaching on )[-\w_\/\. ,]+?(?= \.)	null	null	Business	(?<=time to renew your Hiscox )[-\w_\/\. ]+?(?= Insurance)	2024-02-05
hiscox-business-1	Hiscox Business Insurance - Policy number - MZY-GIVKZ9 Company name: Jennings, Green and Porter It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : MZY-GIVKZ9. Company name: Jennings, Green and Porter. Your Hiscox Insurance premium. Last year’s annual premium: This year’s annual premium. £ 628.93. £ 628.93. The premium includes all applicable insurance premium tax (IPT). Dear Dr Judith O'Donnell-Coleman. Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 21/02/20 . 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. £5,136.91. £5,136.91. Legal protection. £6,474.63. £6,474.63. Crisis containment. £8,445.29. Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy . Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government increase in Insurance Premium Tax as shown. Is our information correct? Your premium and cover are based on what you’ve told us about Jennings, Green and Porter , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay. . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover. Policy summary for each cover. ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover . As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before 21/02/20 . 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 : MZY-GIVKZ9 Company name: Jennings, Green and Porter . It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : MZY-GIVKZ9 Company name: Jennings, Green and Porter . Your Hiscox Insurance premium Last year’s annual premium: This year’s annual premium The premium includes all applicable insurance premium tax (IPT). £ 628.93 £ 628.93 . Your Hiscox Insurance premium . Last year’s annual premium: This year’s annual premium £ 628.93 £ 628.93 . The premium includes all applicable insurance premium tax (IPT). Dear Dr Judith O'Donnell-Coleman . Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 21/02/20 . 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 £5,136.91 £5,136.91 Legal protection £6,474.63 £6,474.63 Crisis containment £8,445.29 Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government increase in Insurance Premium Tax as shown. Is our information correct? Your premium and cover are based on what you’ve told us about Jennings, Green and Porter , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover Policy summary for each cover ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before 21/02/20 . We’re here between 8:30am - 5:30pm Monday to Friday . Please note that we can only discuss policy changes with people named on the policy. Why renew with Hiscox - Reassuring: we offer a range of cover options that can be tailored to your needs - Flexible: we offer full flexibility to change your policy, with no administration fees - Award-winning cover : we’ve been named Best Small Business Insurer 7 years running by Start Your Business Magazine Please click this link for the Hiscox Referral Portal: https://refer.aklamio.com/hiscox/uk?source=postpurchase Thank you again for choosing Hiscox to insure your business. We hope you and your business have a very successful year. Kind regards Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 21/02/20 . 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 £5,136.91 £5,136.91 Legal protection £6,474.63 £6,474.63 Crisis containment £8,445.29 Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government increase in Insurance Premium Tax as shown. Is our information correct? Your premium and cover are based on what you’ve told us about Jennings, Green and Porter , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover Policy summary for each cover ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before 21/02/20 . We’re here between 8:30am - 5:30pm Monday to Friday . Please note that we can only discuss policy changes with people named on the policy. Why renew with Hiscox - Reassuring: we offer a range of cover options that can be tailored to your needs - Flexible: we offer full flexibility to change your policy, with no administration fees - Award-winning cover : we’ve been named Best Small Business Insurer 7 years running by Start Your Business Magazine Please click this link for the Hiscox Referral Portal: https://refer.aklamio.com/hiscox/uk?source=postpurchase Thank you again for choosing Hiscox to insure your business. We hope you and your business have a very successful year. Kind regards Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Your Hiscox Insurance Premium breakdown The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). Cover Professional indemnity Legal protection Crisis containment . Last year’s annual premium (exc IPT) £5,136.91 £6,474.63 £8,445.29 . This year’s annual Premium (exc IPT) £5,136.91 £6,474.63 . Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) . Professional indemnity £5,136.91 £5,136.91 . Legal protection £6,474.63 £6,474.63 . Crisis containment £8,445.29 . Kind regards Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre . Kind regards . Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave . To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre . Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Page / 1 Hiscox Business Insurance Policy wording 17431a - DC565 WORDING 04/17Guide to sectionsIntroduction Policy wordings General terms and conditions Professional indemnity for business management consultants Legal protection Crisis containment Hiscox Business Insurance Policy wording 17431a - DC565 WORDING 04/17IntroductionThank you for choosing Hiscox to protect your business. We hope that the language and layout of this policy wording are clear because we want you to understand the insurance we provide as well as the responsibilities we have to each other. Please read this document, including the policy schedule, policy summary and statement of fact, and let us know as soon as possible if any of the details are shown incorrectly. We always try to deliver to the highest standards of service. Your views are important to us, so if you feel that our service is below the standard you would expect from Hiscox, please contact us on the phone number shown in your policy schedule. Please note that some of the words we use in this insurance are shown in bold type. These words are defined in each section of the wording. Page / 1 Hiscox Insurance Payment schedule Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Thank you for continuing to pay for your policy by Direct Debit. Please check these details and let us know if anything is incorrect or if the schedule is not suitable. Your reference details Account holder name: Judith O'Donnell-Coleman Frequency of collection: Annual Sort code: %BANK_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 09 November, 2019 £628.93 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: MZY-GIVKZ9 If you have any questions about your policy or payments, please call us on 0800 280 0351. We’re here between 8:30am - 5:30pm Monday to Friday or you can email us at service@hiscox.co.uk. Using your personal information Hiscox isa trading name ofa number of Hiscox companies. The specific company acting asa data controller of your personal information will be listed in the documentation we provide to you. If you are unsure you can also contact us at anytime by telephoning 01904 681198 or by emailing us at dataprotectionofficer@hiscox.com. We collect and process information about you in order to provide insurance policies and to process claims. Your information is also used for business purposes such as fraud prevention and detection and financial management. This may involve sharing your information with, and obtaining information about you from, our group companies and third parties such as brokers, loss adjusters, credit reference agencies, service providers, professional advisors, our regulators or fraud prevention agencies. We may record telephone calls to help us monitor and improve the service we provide. For further information on how your information is used and your rights in relation to your information please see our privacy policy at www.hiscox.co.uk/cookies-privacy. The Direct Debit Guarantee This Guarantee is offered by all banks and building societies that accept instructions to pay Direct Debits. If there are any changes to the amount, date or frequency of your Direct Debit Hiscox Underwriting Ltd will notify you ten working days in advance of your account being debited or as otherwise agreed. If you request Hiscox Underwriting Ltd to collect a payment, confirmation of the amount and date will be given to you at the time of the request. If an error is made in the payment of your Direct Debit by Hiscox Underwriting Ltd or your bank or building society you are entitled to a full and immediate refund of the amount paid from your bank or building society. – If you receive a refund you are not entitled to, you must pay it back when Hiscox Underwriting Ltd asks you to. You can cancel a Direct Debit at anytime by simply contacting your bank or building society. Written confirmation maybe required. Please also notify us. Page / 1 Hiscox Business Insurance Policy summary JAC-PSC-UK-DC556(5.4) 17431b 07/20 Your Hiscox Business Insurance policy summaries This document contains the summaries for any policy covers you have selected to protect your business. These summaries outline the key information about your policies so you can be confident that you have understood what you have bought and what you are covered for. However, you should carefully read your policy in full and ensure that you understand its terms and conditions in full. If you have any queries, you should contact Hiscox or your insurance advisor. Your side of the bargain Remember, your premium and insurance are based on the details you have provided to us. Please make sure this information accurately reflects your business and that you inform us immediately if anything needs to change. Please also tell us of any changes in circumstances that may affect the services provided by us or the cover provided by your policy. This is particularly important before taking out a policy, but it also applies throughout the life of the policy too. You need to consider: ■if you fail to fairly present the risk to us, including by failing to disclose any information material to the insurance, you could invalidate the policy, claims may not be paid or the amount we pay maybe reduced; ■you should read and check all insurance documents to ensure that you are aware of the cover, limits and other terms that apply; ■if you fail to let us know of any changes to your circumstances during the period of insurance or, if when telling us about such changes you fail to present the risk to us fairly, you could invalidate the policy, claims may not be paid or the amount we pay maybe reduced; ■please be aware of all terms and conditions of your policy because failure to comply with them could invalidate it or result in us not paying a claim or reducing the amount we pay; ■in the event ofa claim, you should take note of the required procedures, such as giving Hiscox prompt notice of the claims, as stated in the policy documentation. In particular, if you fail to notify us when you first become aware ofa shortcoming, fact, or problem, admit you are liable for what has happened or appoint solicitors or other legal representation without our prior written approval, claims or defence costs may not be paid or the amount we pay maybe reduced; ■as with any insurance, you have an obligation to take reasonable steps to mitigate any loss or liability; ■if you make a fraudulent claim or try to deceive us, we may terminate the policy. Policy length The period of insurance is shown on your policy schedule. Your policy schedule will also show if the policy is ona continuing cover basis. If itis ona continuing cover basis, we will renew your policy each year for another 12 months and continue to take payment (including any premium adjustment shown in your renewal invitation) using your existing arrangement, unless you tell us otherwise or if your risk changes. If your policy schedule does not show that the policy is ona continuing cover basis, cover will cease at the end of the period of insurance, unless you renew your policy with us. We will provide you witha statement of fact each year and provided that the information contained within the statement of fact is true, complete and accurate, you do not need to provide us with any further information. If any of the information in your statement of fact is not true, complete and accurate, you must let us know. If you do not let us know, it may affect the validity of the policy or our ability to pay a claim. Retroactive dates, geographical and jurisdiction limits Where any section of your policy schedule includes a retroactive date, we will not make any payment for any claim or loss under that section which arises from any activity performed or any act, incident or occurrence taking place, before the retroactive date. Where any section of your policy schedule shows the geographical limits which apply to that section of the policy, we will only pay for claims and losses under that section which arise from activities performed or acts, incidents or occurrences taking place within those geographical limits. Where any section provides cover in respect of your liability to third parties, we will only cover claims first made ina country within the applicable courts stated in that section of your policy schedule. Hiscox Business Insurance Policy summary JAC-PSC-UK-DC556(5.4) 17431b 07/20 Cancellation rights You can cancel this policy by giving us 30 days' notice. You will only be charged for the premiums due up to the date of cancellation. If we need to cancel the policy, we’ll give you 30 days’ notice in writing and refund any surplus premiums you might have paid. Please note – we may deduct an administration fee from any refunded payment.There is an exception to our 30-day notice period, which is triggered when we don’t receive your Direct Debit payments within the agreed 14-day period. At this point, we will contact you as soon as possible and stop the policyPage / 2 immediately. Underwritten by:Hiscox Underwriting Ltd on behalf of the insurers named in the schedule. Page / 1 Certificate of professional indemnity insurance Jennings, Green and Porter Hiscox Underwriting Ltd of 1 Great St. Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Certificate of professional indemnity Insurance Policy number:MZY-GIVKZ9 Name of policy holder:Jennings, Green and Porter Period of insurance: From 21/02/20 to Wed 10 June, 2020 both days inclusive. This policy isa Continuing cover policy Insurer: Hiscox Insurance Company Limited Retroactive date: 13/10/24 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: 21/02/20 Insurance details Policy number: MZY-GIVKZ9 Period of insurance: From 21/02/20 to Wed 10 June, 2020 both days inclusive. This policy isa Continuing cover policy. Insured: Jennings, Green and Porter Address: 3 Walker forges Mohamedtown FARNHAM SW0P 3TJ Additional insureds: None Business: Management Consultants Premium details Charged premium – the total amount you’ll pay for this policy. Charged premium: £8,872.04 Insurance Premium Tax (IPT): £5,687.38 Total charged premium: £628.93 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: £8,872.04 Insurance Premium Tax (IPT): £5,687.38 Annual total: £628.93 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 £5,136.91 Legal protection £100,000 £0 £6,474.63 Crisis containment £25,000 - £8,445.29 The figures above are in summary only and are not in addition to the amount insured specified against each cover section below. Hiscox Business Insurance Policy Schedule 14502 10/18 SECTION: PROFESSIONAL INDEMNITY – MANAGEMENT CONSULTANTS Cover start date: 21/02/20 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 dataPage / 2 claims £250,000 in the aggregate, including all costs Business activities Business management consultant Retroactive date 13/10/24 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	MZY-GIVKZ9	(?<=Policy number - )[-\w_\/\.]+?(?= Company name)	21/02/20	(?<=anniversary of your policy is approaching on )[-\w_\/\. ,]+?(?= \.)	null	null	Business	(?<=time to renew your Hiscox )[-\w_\/\. ]+?(?= Insurance)	2024-02-05
hiscox-business-1	Hiscox Business Insurance - Policy number - MJZMIVXV-KPX/PLXA Company name: Howarth Ltd It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : MJZMIVXV-KPX/PLXA. Company name: Howarth Ltd. Your Hiscox Insurance premium. Last year’s annual premium: This year’s annual premium. £ 8,219.64. £ 8,219.64. The premium includes all applicable insurance premium tax (IPT). Dear Mr Julia Miller. Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on Tue 05 December, 2023 . Good news; if you want cover to continue with us and to make sure you stay protected by our award-winning cover, you do not need to do anything. We will update your policy onto our latest wording and continue to collect payment using the payment details we have for you. You must read the important information contained in this email and the attached documents. Your Hiscox Insurance Premium breakdown. The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). The amount shown as last year’s Annual premium will take into account any changes to the cover which may have been made during the last policy period. Cover. Last year’s annual premium (exc IPT). This year’s annual Premium (exc IPT). Professional indemnity. £3,254.29. £3,254.29. Legal protection. £8,856.13. £8,856.13. Crisis containment. £7,766.26. Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy . Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government increase in Insurance Premium Tax as shown. Is our information correct? Your premium and cover are based on what you’ve told us about Howarth 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 Tue 05 December, 2023 . We’re here between 8:30am - 5:30pm Monday to Friday . Please note that we can only discuss policy changes with people named on the policy. Why renew with Hiscox. - Reassuring: we offer a range of cover options that can be tailored to your needs. - Flexible: we offer full flexibility to change your policy, with no administration fees . - Award-winning cover : we’ve been named Best Small Business Insurer 7 years running by Start Your Business Magazine . Please click this link for the Hiscox Referral Portal: https://refer.aklamio.com/hiscox/uk?source=postpurchase. Thank you again for choosing Hiscox to insure your business. We hope you and your business have a very successful year. Kind regards. Jon Dye. CEO, Hiscox UK. Business Insurance for the small and the brave. To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre. Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. This email and any files transmitted with it are confidential and intended solely for the use of the individual or entity to whom they are addressed. No one else is authorised to distribute, forward, print, copy or act upon any information contained in this email. If you have received this email in error, please notify the sender. Hiscox Syndicates Limited and Hiscox Insurance Company Limited are authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Hiscox Underwriting Limited, Hiscox Underwriting Services Ltd, Hiscox MGA Ltd and Hiscox ASM Ltd are authorised and regulated by the Financial Conduct Authority. Hiscox Assure SAS is duly registered as an insurance broker with the ORIAS, which is the French Official Registry of Insurance Intermediaries. Hiscox plc is a company registered in England and Wales under company registration number 2837811 and registered office at 1 Great St Helen's, London EC3A 6HX. Hiscox SA is a company registered in Luxembourg at 35 Avenue John F. Kennedy 35F, Luxembourg L-1855, and is authorised by the Commissariat aux Assurances de Luxembourg. It’s time to renew your Hiscox Business Insurance Hiscox Insurance policy number : MJZMIVXV-KPX/PLXA Company name: Howarth Ltd . It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : MJZMIVXV-KPX/PLXA Company name: Howarth Ltd . Your Hiscox Insurance premium Last year’s annual premium: This year’s annual premium The premium includes all applicable insurance premium tax (IPT). £ 8,219.64 £ 8,219.64 . Your Hiscox Insurance premium . Last year’s annual premium: This year’s annual premium £ 8,219.64 £ 8,219.64 . The premium includes all applicable insurance premium tax (IPT). Dear Mr Julia Miller . Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on Tue 05 December, 2023 . Good news; if you want cover to continue with us and to make sure you stay protected by our award-winning cover, you do not need to do anything. We will update your policy onto our latest wording and continue to collect payment using the payment details we have for you. You must read the important information contained in this email and the attached documents Your Hiscox Insurance Premium breakdown The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). The amount shown as last year’s Annual premium will take into account any changes to the cover which may have been made during the last policy period. Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) Professional indemnity £3,254.29 £3,254.29 Legal protection £8,856.13 £8,856.13 Crisis containment £7,766.26 Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government increase in Insurance Premium Tax as shown. Is our information correct? Your premium and cover are based on what you’ve told us about Howarth 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 Tue 05 December, 2023 . We’re here between 8:30am - 5:30pm Monday to Friday . Please note that we can only discuss policy changes with people named on the policy. Why renew with Hiscox - Reassuring: we offer a range of cover options that can be tailored to your needs - Flexible: we offer full flexibility to change your policy, with no administration fees - Award-winning cover : we’ve been named Best Small Business Insurer 7 years running by Start Your Business Magazine Please click this link for the Hiscox Referral Portal: https://refer.aklamio.com/hiscox/uk?source=postpurchase Thank you again for choosing Hiscox to insure your business. We hope you and your business have a very successful year. Kind regards Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on Tue 05 December, 2023 . Good news; if you want cover to continue with us and to make sure you stay protected by our award-winning cover, you do not need to do anything. We will update your policy onto our latest wording and continue to collect payment using the payment details we have for you. You must read the important information contained in this email and the attached documents Your Hiscox Insurance Premium breakdown The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). The amount shown as last year’s Annual premium will take into account any changes to the cover which may have been made during the last policy period. Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) Professional indemnity £3,254.29 £3,254.29 Legal protection £8,856.13 £8,856.13 Crisis containment £7,766.26 Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government increase in Insurance Premium Tax as shown. Is our information correct? Your premium and cover are based on what you’ve told us about Howarth 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 Tue 05 December, 2023 . We’re here between 8:30am - 5:30pm Monday to Friday . Please note that we can only discuss policy changes with people named on the policy. Why renew with Hiscox - Reassuring: we offer a range of cover options that can be tailored to your needs - Flexible: we offer full flexibility to change your policy, with no administration fees - Award-winning cover : we’ve been named Best Small Business Insurer 7 years running by Start Your Business Magazine Please click this link for the Hiscox Referral Portal: https://refer.aklamio.com/hiscox/uk?source=postpurchase Thank you again for choosing Hiscox to insure your business. We hope you and your business have a very successful year. Kind regards Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Your Hiscox Insurance Premium breakdown The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). Cover Professional indemnity Legal protection Crisis containment . Last year’s annual premium (exc IPT) £3,254.29 £8,856.13 £7,766.26 . This year’s annual Premium (exc IPT) £3,254.29 £8,856.13 . Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) . Professional indemnity £3,254.29 £3,254.29 . Legal protection £8,856.13 £8,856.13 . Crisis containment £7,766.26 . Kind regards Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre . Kind regards . Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave . To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre . Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Page / 1 Hiscox Business Insurance Policy wording 17431a - DC565 WORDING 04/17Guide to sectionsIntroduction Policy wordings General terms and conditions Professional indemnity for business management consultants Legal protection Crisis containment Hiscox Business Insurance Policy wording 17431a - DC565 WORDING 04/17IntroductionThank you for choosing Hiscox to protect your business. We hope that the language and layout of this policy wording are clear because we want you to understand the insurance we provide as well as the responsibilities we have to each other. Please read this document, including the policy schedule, policy summary and statement of fact, and let us know as soon as possible if any of the details are shown incorrectly. We always try to deliver to the highest standards of service. Your views are important to us, so if you feel that our service is below the standard you would expect from Hiscox, please contact us on the phone number shown in your policy schedule. Please note that some of the words we use in this insurance are shown in bold type. These words are defined in each section of the wording. Page / 1 Hiscox Insurance Payment schedule Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Thank you for continuing to pay for your policy by Direct Debit. Please check these details and let us know if anything is incorrect or if the schedule is not suitable. Your reference details Account holder name: Julia 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 2021-12-20 £8,219.64 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: MJZMIVXV-KPX/PLXA If you have any questions about your policy or payments, please call us on 0800 280 0351. We’re here between 8:30am - 5:30pm Monday to Friday or you can email us at service@hiscox.co.uk. Using your personal information Hiscox isa trading name ofa number of Hiscox companies. The specific company acting asa data controller of your personal information will be listed in the documentation we provide to you. If you are unsure you can also contact us at anytime by telephoning 01904 681198 or by emailing us at dataprotectionofficer@hiscox.com. We collect and process information about you in order to provide insurance policies and to process claims. Your information is also used for business purposes such as fraud prevention and detection and financial management. This may involve sharing your information with, and obtaining information about you from, our group companies and third parties such as brokers, loss adjusters, credit reference agencies, service providers, professional advisors, our regulators or fraud prevention agencies. We may record telephone calls to help us monitor and improve the service we provide. For further information on how your information is used and your rights in relation to your information please see our privacy policy at www.hiscox.co.uk/cookies-privacy. The Direct Debit Guarantee This Guarantee is offered by all banks and building societies that accept instructions to pay Direct Debits. If there are any changes to the amount, date or frequency of your Direct Debit Hiscox Underwriting Ltd will notify you ten working days in advance of your account being debited or as otherwise agreed. If you request Hiscox Underwriting Ltd to collect a payment, confirmation of the amount and date will be given to you at the time of the request. If an error is made in the payment of your Direct Debit by Hiscox Underwriting Ltd or your bank or building society you are entitled to a full and immediate refund of the amount paid from your bank or building society. – If you receive a refund you are not entitled to, you must pay it back when Hiscox Underwriting Ltd asks you to. You can cancel a Direct Debit at anytime by simply contacting your bank or building society. Written confirmation maybe required. Please also notify us. Page / 1 Hiscox Business Insurance Policy summary JAC-PSC-UK-DC556(5.4) 17431b 07/20 Your Hiscox Business Insurance policy summaries This document contains the summaries for any policy covers you have selected to protect your business. These summaries outline the key information about your policies so you can be confident that you have understood what you have bought and what you are covered for. However, you should carefully read your policy in full and ensure that you understand its terms and conditions in full. If you have any queries, you should contact Hiscox or your insurance advisor. Your side of the bargain Remember, your premium and insurance are based on the details you have provided to us. Please make sure this information accurately reflects your business and that you inform us immediately if anything needs to change. Please also tell us of any changes in circumstances that may affect the services provided by us or the cover provided by your policy. This is particularly important before taking out a policy, but it also applies throughout the life of the policy too. You need to consider: ■if you fail to fairly present the risk to us, including by failing to disclose any information material to the insurance, you could invalidate the policy, claims may not be paid or the amount we pay maybe reduced; ■you should read and check all insurance documents to ensure that you are aware of the cover, limits and other terms that apply; ■if you fail to let us know of any changes to your circumstances during the period of insurance or, if when telling us about such changes you fail to present the risk to us fairly, you could invalidate the policy, claims may not be paid or the amount we pay maybe reduced; ■please be aware of all terms and conditions of your policy because failure to comply with them could invalidate it or result in us not paying a claim or reducing the amount we pay; ■in the event ofa claim, you should take note of the required procedures, such as giving Hiscox prompt notice of the claims, as stated in the policy documentation. In particular, if you fail to notify us when you first become aware ofa shortcoming, fact, or problem, admit you are liable for what has happened or appoint solicitors or other legal representation without our prior written approval, claims or defence costs may not be paid or the amount we pay maybe reduced; ■as with any insurance, you have an obligation to take reasonable steps to mitigate any loss or liability; ■if you make a fraudulent claim or try to deceive us, we may terminate the policy. Policy length The period of insurance is shown on your policy schedule. Your policy schedule will also show if the policy is ona continuing cover basis. If itis ona continuing cover basis, we will renew your policy each year for another 12 months and continue to take payment (including any premium adjustment shown in your renewal invitation) using your existing arrangement, unless you tell us otherwise or if your risk changes. If your policy schedule does not show that the policy is ona continuing cover basis, cover will cease at the end of the period of insurance, unless you renew your policy with us. We will provide you witha statement of fact each year and provided that the information contained within the statement of fact is true, complete and accurate, you do not need to provide us with any further information. If any of the information in your statement of fact is not true, complete and accurate, you must let us know. If you do not let us know, it may affect the validity of the policy or our ability to pay a claim. Retroactive dates, geographical and jurisdiction limits Where any section of your policy schedule includes a retroactive date, we will not make any payment for any claim or loss under that section which arises from any activity performed or any act, incident or occurrence taking place, before the retroactive date. Where any section of your policy schedule shows the geographical limits which apply to that section of the policy, we will only pay for claims and losses under that section which arise from activities performed or acts, incidents or occurrences taking place within those geographical limits. Where any section provides cover in respect of your liability to third parties, we will only cover claims first made ina country within the applicable courts stated in that section of your policy schedule. Hiscox Business Insurance Policy summary JAC-PSC-UK-DC556(5.4) 17431b 07/20 Cancellation rights You can cancel this policy by giving us 30 days' notice. You will only be charged for the premiums due up to the date of cancellation. If we need to cancel the policy, we’ll give you 30 days’ notice in writing and refund any surplus premiums you might have paid. Please note – we may deduct an administration fee from any refunded payment.There is an exception to our 30-day notice period, which is triggered when we don’t receive your Direct Debit payments within the agreed 14-day period. At this point, we will contact you as soon as possible and stop the policyPage / 2 immediately. Underwritten by:Hiscox Underwriting Ltd on behalf of the insurers named in the schedule. Page / 1 Certificate of professional indemnity insurance Howarth 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:MJZMIVXV-KPX/PLXA Name of policy holder:Howarth Ltd Period of insurance: From Tue 05 December, 2023 to 16/04/23 both days inclusive. This policy isa Continuing cover policy Insurer: Hiscox Insurance Company Limited Retroactive date: Wednesday 27 November, 2024 Level of cover:£1,000,000 Signed on behalf of Hiscox Underwriting Limited as agent for the insurers Jon Dye CEO, Hiscox UK Notes: (a) This insurance is subject to policy terms and conditions and any special terms notified to the InsuredPage / 1 Hiscox Business Insurance Policy Schedule 14502 10/18 This schedule tells you what is insured with us. It should be read carefully with your policy wording(s) and statement of fact detailed elsewhere in this document. Schedule effective date: Tue 05 December, 2023 Insurance details Policy number: MJZMIVXV-KPX/PLXA Period of insurance: From Tue 05 December, 2023 to 16/04/23 both days inclusive. This policy isa Continuing cover policy. Insured: Howarth Ltd Address: Flat 27 Morrison loaf Barnesstad FARNHAM WD5W 3DU Additional insureds: None Business: Management Consultants Premium details Charged premium – the total amount you’ll pay for this policy. Charged premium: £8,598.46 Insurance Premium Tax (IPT): £7,965.55 Total charged premium: £8,219.64 Annualised premium – the annual premium for this policy. This is given for comparison purposes. Please refer to the charged premium section for the amount you’ll pay for the policy. Annual premium: £8,598.46 Insurance Premium Tax (IPT): £7,965.55 Annual total: £8,219.64 Please note that there will be no refund or additional premium for any transaction which is less than £20 (excluding IPT). Hiscox Business Insurance Policy Schedule 14502 10/18 Summary Claims information If you need to make a claim: - For claims relating to your building or contents please contact our claims team on 0800 247 1902, 9.00am – 5:30pm Monday to Friday. If you wish to make a claim online, you can log most claims quickly and easily through our claims notification portal at https://claims.hiscox.co.uk/. Outside of normal business hours, if you require emergency assistance in relation to substantial damage to your property, you can speak to our 24-hour emergency assistance team using the telephone number above. Your policy schedule will state if property cover is included in your policy. Our out-of-hours emergency assistance team operate ona pay-and-claim basis and you will need to have credit card details available as appropriate. The team will then be able to direct you to essential tradesmen, emergency loss adjusters or disaster management companies in the event of substantial damage. - If there isa claim (or potential claim) against you bya third party, please email us at liability.claims@hiscox.com. If you need to speak to a member of the claims team urgently, please call our team on 0800 711 7156, 9.00am – 5:30pm Monday to Friday. If you wish to make a claim online, you can log most claims quickly and easily through our claims notification portal at https://claims.hiscox.co.uk/. You will need to provide your full name and contact details, the name of your business or organisation, your address and postcode, the policy reference and circumstances of the claim. The Important information and contact details section below contains additional information specific to the covers applicable to your policy. If you are unsure of who to contact please call our team on 0800 711 7156, 9.00am – 5:30pm Monday to Friday. They will ensure you get through to the correct claims team and let you know what actions you need to take. If anything happens that might be covered under the policy, you must comply with the obligations set out in General claims conditions, together with the obligations set out under Your obligations in the section or sections under which you are making the claim. Itis important that you read the policy for details of its terms in full. Your covers This isa summary of each section of your policy. See each section for cover details. Cover Insurance amount Excess Annual Premium (exc IPT) Professional indemnity £1,000,000 £1,000 £3,254.29 Legal protection £100,000 £0 £8,856.13 Crisis containment £25,000 - £7,766.26 The figures above are in summary only and are not in addition to the 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 05 December, 2023 Limit of indemnity £1,000,000 Limit applies to in the aggregate, including all costs Excess £1,000 Excess applies to each and every claim or loss, including all costs Geographical limits Worldwide Applicable courts Worldwide (excluding United States of America and Canada) Claims brought in USA or Canada Not covered Additional covers (in addition to overall limit of indemnity stated above) Cover Limit of indemnity Limit applies to Court attendance compensation - employees £250 per person, per day Court attendance compensation - directors and partners£500 per person, per day Court attendance compensation: in total £100,000 in the aggregate Special limits (included within not in addition to the overall limit of indemnity stated above) Cover Limit of indemnity Limit applies to Personal dataPage / 2 claims £250,000 in the aggregate, including all costs Business activities Business management consultant Retroactive date Wednesday 27 November, 2024 Insurer Hiscox Insurance Company LimitedPage / 1 Hiscox Insurance Summary of change Introduction This document has been created to help you understand the key changes to your Hiscox Insurance policy and how they may impact you. Your policy continues to offer professional, tailored insurance to protect you and give you peace of mind that if you need us, you will be supported by our award winning claims team. If you have a query not covered by this document, or if you have any questions or concerns about your policy you should contact us. Frequently asked questions What if my circumstances change during the period of insurance? If your circumstances change during the period of insurance, you only need to let us know if the change means that any of the information in the Statement of Fact is no longer true, complete and accurate. If there are no such changes, you do not need to let us know. If any of the information within the Statement of Fact becomes no longer complete, true or accurate at any point during the period of insurance you must tell us as it may affect the validity of the policy or our ability to pay a claim. Additionally, if your contact details change then you should let us know straightaway. Where doI find the limits that apply to my policy? You can find your maximum allowable limits for turnover and wage rollin your Statement of Fact. You must check this information and tell us or your broker if you expect to exceed the maximum amounts shown. Please note these values may have changed. If there are special limits or special excesses applying to particular covers or types of losses these will be shown in the policy schedule. Please check your policy schedule carefully as they may have changed. My new schedule shows a different premium to last year? What has changed? If an underwriter has reviewed your policy then they may have manually adjusted your premium, for example if you’ve had claims in the last 12 months. Where doI find out about any endorsements on my policy? You will be able to see if an endorsement has been applied or removed by reviewing your Policy Schedule. If you have any queries or concerns, please contact us or your broker if you have one. Hiscox Insurance Summary of change Professional indemnity for business management consultants Summary of change Changes to the cover The following table shows the differences between our new policy wordings (5570 WD- PROF-UK-MAN(7), 15579 WD-PROF-UK-MAN-AG(3)) and our previous wordings (5570 WD-PROF-UK-MAN(6), 15579 WD-PROF-UK-MAN-AG(2)). This isa summary of the changes only. You should refer to the schedule and policy wording for the full description of the cover in place. Area of cover Previous policy New policy Improvement in cover Claims against you Advertising claims. We will pay claims arising from your advertising or branding for defamation or infringement of copyright or moral rights. This does not include claims for passing off, unauthorised use of trademarks or false or misleading advertising. Previously cover was not restricted to defamation or the infringement of copyright or moral rights.Covered Amended Your own lossesChanges to ‘what is covered’ Losses from dishonesty. Your losses arising from the dishonesty of your employees, sub-contractors or outsourcers.Covered Not covered Area of cover Previous policy New policy Improvement in cover Cyber incident. We will not pay claims relating to an actual or possible cyber attack, hacker or social engineering communication. Previously we excluded any virus not specifically targeted at your system.Covered Not covered Computer or digital technology error. We will not pay claims arising from any negligent act, error or omission in the operation or maintenance of computer or digital technology such as development, installation, patching or upgrading.Covered Not coveredChanges to ‘what is not covered’ Infrastructure. We will not pay claims arising from the failure of the service provided by internet, telecommunications, utilities or other infrastructure providers.Covered Not covered Hiscox Insurance Summary of change Personal data. We will not pay claims relating to personal data. We will pay such claims where they arise from your performance ofa business activity and which is not otherwise excluded. Subject to the limit shown in the schedule.Covered Not covered Other important changes Control of defence. Under the previous wording we had a duty to defend you against any covered claim brought against you. We now have the right but not the obligation to take control of the conduct of the claim including the appointment of legal representation. Please refer to the policy wording for full details. SOC-PROF-UK-MAN(1) 21367 01/21	MJZMIVXV-KPX/PLXA	(?<=Policy number - )[-\w_\/\.]+?(?= Company name)	Tue 05 December, 2023	(?<=anniversary of your policy is approaching on )[-\w_\/\. ,]+?(?= \.)	null	null	Business	(?<=time to renew your Hiscox )[-\w_\/\. ]+?(?= Insurance)	2024-02-05
hiscox-business-1	Hiscox Business Insurance - Policy number - pqieosuqxtwe_dilylo Company name: Hart-Green It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : pqieosuqxtwe_dilylo. Company name: Hart-Green. Your Hiscox Insurance premium. Last year’s annual premium: This year’s annual premium. £ 9,315.13. £ 9,315.13. The premium includes all applicable insurance premium tax (IPT). Dear Dr Irene Thomas. Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on Sat 27 April, 2019 . Good news; if you want cover to continue with us and to make sure you stay protected by our award-winning cover, you do not need to do anything. We will update your policy onto our latest wording and continue to collect payment using the payment details we have for you. You must read the important information contained in this email and the attached documents. Your Hiscox Insurance Premium breakdown. The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). The amount shown as last year’s Annual premium will take into account any changes to the cover which may have been made during the last policy period. Cover. Last year’s annual premium (exc IPT). This year’s annual Premium (exc IPT). Professional indemnity. £8,337.51. £8,337.51. Legal protection. £4,842.96. £4,842.96. Crisis containment. £4,661.08. Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy . Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government 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-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 27 April, 2019 . We’re here between 8:30am - 5:30pm Monday to Friday . Please note that we can only discuss policy changes with people named on the policy. Why renew with Hiscox. - Reassuring: we offer a range of cover options that can be tailored to your needs. - Flexible: we offer full flexibility to change your policy, with no administration fees . - Award-winning cover : we’ve been named Best Small Business Insurer 7 years running by Start Your Business Magazine . Please click this link for the Hiscox Referral Portal: https://refer.aklamio.com/hiscox/uk?source=postpurchase. Thank you again for choosing Hiscox to insure your business. We hope you and your business have a very successful year. Kind regards. Jon Dye. CEO, Hiscox UK. Business Insurance for the small and the brave. To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre. Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. This email and any files transmitted with it are confidential and intended solely for the use of the individual or entity to whom they are addressed. No one else is authorised to distribute, forward, print, copy or act upon any information contained in this email. If you have received this email in error, please notify the sender. Hiscox Syndicates Limited and Hiscox Insurance Company Limited are authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Hiscox Underwriting Limited, Hiscox Underwriting Services Ltd, Hiscox MGA Ltd and Hiscox ASM Ltd are authorised and regulated by the Financial Conduct Authority. Hiscox Assure SAS is duly registered as an insurance broker with the ORIAS, which is the French Official Registry of Insurance Intermediaries. Hiscox plc is a company registered in England and Wales under company registration number 2837811 and registered office at 1 Great St Helen's, London EC3A 6HX. Hiscox SA is a company registered in Luxembourg at 35 Avenue John F. Kennedy 35F, Luxembourg L-1855, and is authorised by the Commissariat aux Assurances de Luxembourg. It’s time to renew your Hiscox Business Insurance Hiscox Insurance policy number : pqieosuqxtwe_dilylo Company name: Hart-Green . It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : pqieosuqxtwe_dilylo Company name: Hart-Green . Your Hiscox Insurance premium Last year’s annual premium: This year’s annual premium The premium includes all applicable insurance premium tax (IPT). £ 9,315.13 £ 9,315.13 . Your Hiscox Insurance premium . Last year’s annual premium: This year’s annual premium £ 9,315.13 £ 9,315.13 . The premium includes all applicable insurance premium tax (IPT). Dear Dr Irene Thomas . Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on Sat 27 April, 2019 . Good news; if you want cover to continue with us and to make sure you stay protected by our award-winning cover, you do not need to do anything. We will update your policy onto our latest wording and continue to collect payment using the payment details we have for you. You must read the important information contained in this email and the attached documents Your Hiscox Insurance Premium breakdown The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). The amount shown as last year’s Annual premium will take into account any changes to the cover which may have been made during the last policy period. Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) Professional indemnity £8,337.51 £8,337.51 Legal protection £4,842.96 £4,842.96 Crisis containment £4,661.08 Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government 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-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 27 April, 2019 . We’re here between 8:30am - 5:30pm Monday to Friday . Please note that we can only discuss policy changes with people named on the policy. Why renew with Hiscox - Reassuring: we offer a range of cover options that can be tailored to your needs - Flexible: we offer full flexibility to change your policy, with no administration fees - Award-winning cover : we’ve been named Best Small Business Insurer 7 years running by Start Your Business Magazine Please click this link for the Hiscox Referral Portal: https://refer.aklamio.com/hiscox/uk?source=postpurchase Thank you again for choosing Hiscox to insure your business. We hope you and your business have a very successful year. Kind regards Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on Sat 27 April, 2019 . Good news; if you want cover to continue with us and to make sure you stay protected by our award-winning cover, you do not need to do anything. We will update your policy onto our latest wording and continue to collect payment using the payment details we have for you. You must read the important information contained in this email and the attached documents Your Hiscox Insurance Premium breakdown The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). The amount shown as last year’s Annual premium will take into account any changes to the cover which may have been made during the last policy period. Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) Professional indemnity £8,337.51 £8,337.51 Legal protection £4,842.96 £4,842.96 Crisis containment £4,661.08 Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government 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-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 27 April, 2019 . We’re here between 8:30am - 5:30pm Monday to Friday . Please note that we can only discuss policy changes with people named on the policy. Why renew with Hiscox - Reassuring: we offer a range of cover options that can be tailored to your needs - Flexible: we offer full flexibility to change your policy, with no administration fees - Award-winning cover : we’ve been named Best Small Business Insurer 7 years running by Start Your Business Magazine Please click this link for the Hiscox Referral Portal: https://refer.aklamio.com/hiscox/uk?source=postpurchase Thank you again for choosing Hiscox to insure your business. We hope you and your business have a very successful year. Kind regards Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Your Hiscox Insurance Premium breakdown The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). Cover Professional indemnity Legal protection Crisis containment . Last year’s annual premium (exc IPT) £8,337.51 £4,842.96 £4,661.08 . This year’s annual Premium (exc IPT) £8,337.51 £4,842.96 . Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) . Professional indemnity £8,337.51 £8,337.51 . Legal protection £4,842.96 £4,842.96 . Crisis containment £4,661.08 . Kind regards Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre . Kind regards . Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave . To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre . Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Page / 1 Hiscox Business Insurance Policy wording 17431a - DC565 WORDING 04/17Guide to sectionsIntroduction Policy wordings General terms and conditions Professional indemnity for business management consultants Legal protection Crisis containment Hiscox Business Insurance Policy wording 17431a - DC565 WORDING 04/17IntroductionThank you for choosing Hiscox to protect your business. We hope that the language and layout of this policy wording are clear because we want you to understand the insurance we provide as well as the responsibilities we have to each other. Please read this document, including the policy schedule, policy summary and statement of fact, and let us know as soon as possible if any of the details are shown incorrectly. We always try to deliver to the highest standards of service. Your views are important to us, so if you feel that our service is below the standard you would expect from Hiscox, please contact us on the phone number shown in your policy schedule. Please note that some of the words we use in this insurance are shown in bold type. These words are defined in each section of the wording. Page / 1 Hiscox Insurance Payment schedule Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Thank you for continuing to pay for your policy by Direct Debit. Please check these details and let us know if anything is incorrect or if the schedule is not suitable. Your reference details Account holder name: Irene Thomas Frequency of collection: Annual Sort code: %BANK_SORT_CODE_1% Account number: %BANK_ACCOUNT_NUMBER_1% Your Direct Debit schedule We will take payments on the dates outlined below: Date Amount Sunday 23 May, 2021 £9,315.13 Where your chosen collection date falls ona non-working day then we will endeavour to collect the next working day. For your information, the collections will be made using the following reference number: Originator Identification Number: 293461 Reference Number: pqieosuqxtwe_dilylo If you have any questions about your policy or payments, please call us on 0800 280 0351. We’re here between 8:30am - 5:30pm Monday to Friday or you can email us at service@hiscox.co.uk. Using your personal information Hiscox isa trading name ofa number of Hiscox companies. The specific company acting asa data controller of your personal information will be listed in the documentation we provide to you. If you are unsure you can also contact us at anytime by telephoning 01904 681198 or by emailing us at dataprotectionofficer@hiscox.com. We collect and process information about you in order to provide insurance policies and to process claims. Your information is also used for business purposes such as fraud prevention and detection and financial management. This may involve sharing your information with, and obtaining information about you from, our group companies and third parties such as brokers, loss adjusters, credit reference agencies, service providers, professional advisors, our regulators or fraud prevention agencies. We may record telephone calls to help us monitor and improve the service we provide. For further information on how your information is used and your rights in relation to your information please see our privacy policy at www.hiscox.co.uk/cookies-privacy. The Direct Debit Guarantee This Guarantee is offered by all banks and building societies that accept instructions to pay Direct Debits. If there are any changes to the amount, date or frequency of your Direct Debit Hiscox Underwriting Ltd will notify you ten working days in advance of your account being debited or as otherwise agreed. If you request Hiscox Underwriting Ltd to collect a payment, confirmation of the amount and date will be given to you at the time of the request. If an error is made in the payment of your Direct Debit by Hiscox Underwriting Ltd or your bank or building society you are entitled to a full and immediate refund of the amount paid from your bank or building society. – If you receive a refund you are not entitled to, you must pay it back when Hiscox Underwriting Ltd asks you to. You can cancel a Direct Debit at anytime by simply contacting your bank or building society. Written confirmation maybe required. Please also notify us. Page / 1 Hiscox Business Insurance Policy summary JAC-PSC-UK-DC556(5.4) 17431b 07/20 Your Hiscox Business Insurance policy summaries This document contains the summaries for any policy covers you have selected to protect your business. These summaries outline the key information about your policies so you can be confident that you have understood what you have bought and what you are covered for. However, you should carefully read your policy in full and ensure that you understand its terms and conditions in full. If you have any queries, you should contact Hiscox or your insurance advisor. Your side of the bargain Remember, your premium and insurance are based on the details you have provided to us. Please make sure this information accurately reflects your business and that you inform us immediately if anything needs to change. Please also tell us of any changes in circumstances that may affect the services provided by us or the cover provided by your policy. This is particularly important before taking out a policy, but it also applies throughout the life of the policy too. You need to consider: ■if you fail to fairly present the risk to us, including by failing to disclose any information material to the insurance, you could invalidate the policy, claims may not be paid or the amount we pay maybe reduced; ■you should read and check all insurance documents to ensure that you are aware of the cover, limits and other terms that apply; ■if you fail to let us know of any changes to your circumstances during the period of insurance or, if when telling us about such changes you fail to present the risk to us fairly, you could invalidate the policy, claims may not be paid or the amount we pay maybe reduced; ■please be aware of all terms and conditions of your policy because failure to comply with them could invalidate it or result in us not paying a claim or reducing the amount we pay; ■in the event ofa claim, you should take note of the required procedures, such as giving Hiscox prompt notice of the claims, as stated in the policy documentation. In particular, if you fail to notify us when you first become aware ofa shortcoming, fact, or problem, admit you are liable for what has happened or appoint solicitors or other legal representation without our prior written approval, claims or defence costs may not be paid or the amount we pay maybe reduced; ■as with any insurance, you have an obligation to take reasonable steps to mitigate any loss or liability; ■if you make a fraudulent claim or try to deceive us, we may terminate the policy. Policy length The period of insurance is shown on your policy schedule. Your policy schedule will also show if the policy is ona continuing cover basis. If itis ona continuing cover basis, we will renew your policy each year for another 12 months and continue to take payment (including any premium adjustment shown in your renewal invitation) using your existing arrangement, unless you tell us otherwise or if your risk changes. If your policy schedule does not show that the policy is ona continuing cover basis, cover will cease at the end of the period of insurance, unless you renew your policy with us. We will provide you witha statement of fact each year and provided that the information contained within the statement of fact is true, complete and accurate, you do not need to provide us with any further information. If any of the information in your statement of fact is not true, complete and accurate, you must let us know. If you do not let us know, it may affect the validity of the policy or our ability to pay a claim. Retroactive dates, geographical and jurisdiction limits Where any section of your policy schedule includes a retroactive date, we will not make any payment for any claim or loss under that section which arises from any activity performed or any act, incident or occurrence taking place, before the retroactive date. Where any section of your policy schedule shows the geographical limits which apply to that section of the policy, we will only pay for claims and losses under that section which arise from activities performed or acts, incidents or occurrences taking place within those geographical limits. Where any section provides cover in respect of your liability to third parties, we will only cover claims first made ina country within the applicable courts stated in that section of your policy schedule. Hiscox Business Insurance Policy summary JAC-PSC-UK-DC556(5.4) 17431b 07/20 Cancellation rights You can cancel this policy by giving us 30 days' notice. You will only be charged for the premiums due up to the date of cancellation. If we need to cancel the policy, we’ll give you 30 days’ notice in writing and refund any surplus premiums you might have paid. Please note – we may deduct an administration fee from any refunded payment.There is an exception to our 30-day notice period, which is triggered when we don’t receive your Direct Debit payments within the agreed 14-day period. At this point, we will contact you as soon as possible and stop the 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-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:pqieosuqxtwe_dilylo Name of policy holder:Hart-Green Period of insurance: From Sat 27 April, 2019 to 2023-01-16 both days inclusive. This policy isa Continuing cover policy Insurer: Hiscox Insurance Company Limited Retroactive date: 07/09/25 Level of cover:£1,000,000 Signed on behalf of Hiscox Underwriting Limited as agent for the insurers Jon Dye CEO, Hiscox UK Notes: (a) This insurance is subject to policy terms and conditions and any special terms notified to the InsuredPage / 1 Hiscox Business Insurance Policy Schedule 14502 10/18 This schedule tells you what is insured with us. It should be read carefully with your policy wording(s) and statement of fact detailed elsewhere in this document. Schedule effective date: Sat 27 April, 2019 Insurance details Policy number: pqieosuqxtwe_dilylo Period of insurance: From Sat 27 April, 2019 to 2023-01-16 both days inclusive. This policy isa Continuing cover policy. Insured: Hart-Green Address: 3 Hilary common Lake Lindsey FARNHAM WS53 5HS Additional insureds: None Business: Management Consultants Premium details Charged premium – the total amount you’ll pay for this policy. Charged premium: £9,645.44 Insurance Premium Tax (IPT): £6,402.94 Total charged premium: £9,315.13 Annualised premium – the annual premium for this policy. This is given for comparison purposes. Please refer to the charged premium section for the amount you’ll pay for the policy. Annual premium: £9,645.44 Insurance Premium Tax (IPT): £6,402.94 Annual total: £9,315.13 Please note that there will be no refund or additional premium for any transaction which is less than £20 (excluding IPT). Hiscox Business Insurance Policy Schedule 14502 10/18 Summary Claims information If you need to make a claim: - For claims relating to your building or contents please contact our claims team on 0800 247 1902, 9.00am – 5:30pm Monday to Friday. If you wish to make a claim online, you can log most claims quickly and easily through our claims notification portal at https://claims.hiscox.co.uk/. Outside of normal business hours, if you require emergency assistance in relation to substantial damage to your property, you can speak to our 24-hour emergency assistance team using the telephone number above. Your policy schedule will state if property cover is included in your policy. Our out-of-hours emergency assistance team operate ona pay-and-claim basis and you will need to have credit card details available as appropriate. The team will then be able to direct you to essential tradesmen, emergency loss adjusters or disaster management companies in the event of substantial damage. - If there isa claim (or potential claim) against you bya third party, please email us at liability.claims@hiscox.com. If you need to speak to a member of the claims team urgently, please call our team on 0800 711 7156, 9.00am – 5:30pm Monday to Friday. If you wish to make a claim online, you can log most claims quickly and easily through our claims notification portal at https://claims.hiscox.co.uk/. You will need to provide your full name and contact details, the name of your business or organisation, your address and postcode, the policy reference and circumstances of the claim. The Important information and contact details section below contains additional information specific to the covers applicable to your policy. If you are unsure of who to contact please call our team on 0800 711 7156, 9.00am – 5:30pm Monday to Friday. They will ensure you get through to the correct claims team and let you know what actions you need to take. If anything happens that might be covered under the policy, you must comply with the obligations set out in General claims conditions, together with the obligations set out under Your obligations in the section or sections under which you are making the claim. Itis important that you read the policy for details of its terms in full. Your covers This isa summary of each section of your policy. See each section for cover details. Cover Insurance amount Excess Annual Premium (exc IPT) Professional indemnity £1,000,000 £1,000 £8,337.51 Legal protection £100,000 £0 £4,842.96 Crisis containment £25,000 - £4,661.08 The figures above are in summary only and are not in addition to the amount insured specified against each cover section below. Hiscox Business Insurance Policy Schedule 14502 10/18 SECTION: PROFESSIONAL INDEMNITY – MANAGEMENT CONSULTANTS Cover start date: Sat 27 April, 2019 Limit of indemnity £1,000,000 Limit applies to in the aggregate, including all costs Excess £1,000 Excess applies to each and every claim or loss, including all costs Geographical limits Worldwide Applicable courts Worldwide (excluding United States of America and Canada) Claims brought in USA or Canada Not covered Additional covers (in addition to overall limit of indemnity stated above) Cover Limit of indemnity Limit applies to Court attendance compensation - employees £250 per person, per day Court attendance compensation - directors and partners£500 per person, per day Court attendance compensation: in total £100,000 in the aggregate Special limits (included within not in addition to the overall limit of indemnity stated above) Cover Limit of indemnity Limit applies to Personal dataPage / 2 claims £250,000 in the aggregate, including all costs Business activities Business management consultant Retroactive date 07/09/25 Insurer Hiscox Insurance Company LimitedPage / 1 Hiscox Insurance Summary of change Introduction This document has been created to help you understand the key changes to your Hiscox Insurance policy and how they may impact you. Your policy continues to offer professional, tailored insurance to protect you and give you peace of mind that if you need us, you will be supported by our award winning claims team. If you have a query not covered by this document, or if you have any questions or concerns about your policy you should contact us. Frequently asked questions What if my circumstances change during the period of insurance? If your circumstances change during the period of insurance, you only need to let us know if the change means that any of the information in the Statement of Fact is no longer true, complete and accurate. If there are no such changes, you do not need to let us know. If any of the information within the Statement of Fact becomes no longer complete, true or accurate at any point during the period of insurance you must tell us as it may affect the validity of the policy or our ability to pay a claim. Additionally, if your contact details change then you should let us know straightaway. Where doI find the limits that apply to my policy? You can find your maximum allowable limits for turnover and wage rollin your Statement of Fact. You must check this information and tell us or your broker if you expect to exceed the maximum amounts shown. Please note these values may have changed. If there are special limits or special excesses applying to particular covers or types of losses these will be shown in the policy schedule. Please check your policy schedule carefully as they may have changed. My new schedule shows a different premium to last year? What has changed? If an underwriter has reviewed your policy then they may have manually adjusted your premium, for example if you’ve had claims in the last 12 months. Where doI find out about any endorsements on my policy? You will be able to see if an endorsement has been applied or removed by reviewing your Policy Schedule. If you have any queries or concerns, please contact us or your broker if you have one. Hiscox Insurance Summary of change Professional indemnity for business management consultants Summary of change Changes to the cover The following table shows the differences between our new policy wordings (5570 WD- PROF-UK-MAN(7), 15579 WD-PROF-UK-MAN-AG(3)) and our previous wordings (5570 WD-PROF-UK-MAN(6), 15579 WD-PROF-UK-MAN-AG(2)). This isa summary of the changes only. You should refer to the schedule and policy wording for the full description of the cover in place. Area of cover Previous policy New policy Improvement in cover Claims against you Advertising claims. We will pay claims arising from your advertising or branding for defamation or infringement of copyright or moral rights. This does not include claims for passing off, unauthorised use of trademarks or false or misleading advertising. Previously cover was not restricted to defamation or the infringement of copyright or moral rights.Covered Amended Your own lossesChanges to ‘what is covered’ Losses from dishonesty. Your losses arising from the dishonesty of your employees, sub-contractors or outsourcers.Covered Not covered Area of cover Previous policy New policy Improvement in cover Cyber incident. We will not pay claims relating to an actual or possible cyber attack, hacker or social engineering communication. Previously we excluded any virus not specifically targeted at your system.Covered Not covered Computer or digital technology error. We will not pay claims arising from any negligent act, error or omission in the operation or maintenance of computer or digital technology such as development, installation, patching or upgrading.Covered Not coveredChanges to ‘what is not covered’ Infrastructure. We will not pay claims arising from the failure of the service provided by internet, telecommunications, utilities or other infrastructure providers.Covered Not covered Hiscox Insurance Summary of change Personal data. We will not pay claims relating to personal data. We will pay such claims where they arise from your performance ofa business activity and which is not otherwise excluded. Subject to the limit shown in the schedule.Covered Not covered Other important changes Control of defence. Under the previous wording we had a duty to defend you against any covered claim brought against you. We now have the right but not the obligation to take control of the conduct of the claim including the appointment of legal representation. Please refer to the policy wording for full details. SOC-PROF-UK-MAN(1) 21367 01/21	pqieosuqxtwe_dilylo	(?<=Policy number - )[-\w_\/\.]+?(?= Company name)	Sat 27 April, 2019	(?<=anniversary of your policy is approaching on )[-\w_\/\. ,]+?(?= \.)	null	null	Business	(?<=time to renew your Hiscox )[-\w_\/\. ]+?(?= Insurance)	2024-02-05
hiscox-business-1	Hiscox Business Insurance - Policy number - ZAJODI.-DT Company name: Spencer, Jones and George It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : ZAJODI.-DT. Company name: Spencer, Jones and George. Your Hiscox Insurance premium. Last year’s annual premium: This year’s annual premium. £ 2,672.62. £ 2,672.62. The premium includes all applicable insurance premium tax (IPT). Dear Miss Dr Kathryn Howarth. Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 2025-11-26 . 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. £7,269.07. £7,269.07. Legal protection. £9,266.68. £9,266.68. Crisis containment. £7,311.98. Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy . Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government increase in Insurance Premium Tax as shown. Is our information correct? Your premium and cover are based on what you’ve told us about Spencer, Jones and George , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay. . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover. Policy summary for each cover. ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover . As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before 2025-11-26 . 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 : ZAJODI.-DT Company name: Spencer, Jones and George . It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : ZAJODI.-DT Company name: Spencer, Jones and George . Your Hiscox Insurance premium Last year’s annual premium: This year’s annual premium The premium includes all applicable insurance premium tax (IPT). £ 2,672.62 £ 2,672.62 . Your Hiscox Insurance premium . Last year’s annual premium: This year’s annual premium £ 2,672.62 £ 2,672.62 . The premium includes all applicable insurance premium tax (IPT). Dear Miss Dr Kathryn Howarth . Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 2025-11-26 . 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 £7,269.07 £7,269.07 Legal protection £9,266.68 £9,266.68 Crisis containment £7,311.98 Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government increase in Insurance Premium Tax as shown. Is our information correct? Your premium and cover are based on what you’ve told us about Spencer, Jones and George , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover Policy summary for each cover ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before 2025-11-26 . 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 2025-11-26 . 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 £7,269.07 £7,269.07 Legal protection £9,266.68 £9,266.68 Crisis containment £7,311.98 Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government increase in Insurance Premium Tax as shown. Is our information correct? Your premium and cover are based on what you’ve told us about Spencer, Jones and George , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover Policy summary for each cover ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before 2025-11-26 . 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) £7,269.07 £9,266.68 £7,311.98 . This year’s annual Premium (exc IPT) £7,269.07 £9,266.68 . Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) . Professional indemnity £7,269.07 £7,269.07 . Legal protection £9,266.68 £9,266.68 . Crisis containment £7,311.98 . Kind regards Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre . Kind regards . Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave . To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre . Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Page / 1 Hiscox Business Insurance Policy wording 17431a - DC565 WORDING 04/17Guide to sectionsIntroduction Policy wordings General terms and conditions Professional indemnity for business management consultants Legal protection Crisis containment Hiscox Business Insurance Policy wording 17431a - DC565 WORDING 04/17IntroductionThank you for choosing Hiscox to protect your business. We hope that the language and layout of this policy wording are clear because we want you to understand the insurance we provide as well as the responsibilities we have to each other. Please read this document, including the policy schedule, policy summary and statement of fact, and let us know as soon as possible if any of the details are shown incorrectly. We always try to deliver to the highest standards of service. Your views are important to us, so if you feel that our service is below the standard you would expect from Hiscox, please contact us on the phone number shown in your policy schedule. Please note that some of the words we use in this insurance are shown in bold type. These words are defined in each section of the wording. Page / 1 Hiscox Insurance Payment schedule Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Thank you for continuing to pay for your policy by Direct Debit. Please 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 Kathryn Howarth Frequency of collection: Annual Sort code: %BANK_SORT_CODE_1% Account number: %BANK_ACCOUNT_NUMBER_1% Your Direct Debit schedule We will take payments on the dates outlined below: Date Amount 2022-04-02 £2,672.62 Where your chosen collection date falls ona non-working day then we will endeavour to collect the next working day. For your information, the collections will be made using the following reference number: Originator Identification Number: 293461 Reference Number: ZAJODI.-DT If you have any questions about your policy or payments, please call us on 0800 280 0351. We’re here between 8:30am - 5:30pm Monday to Friday or you can email us at service@hiscox.co.uk. Using your personal information Hiscox isa trading name ofa number of Hiscox companies. The specific company acting asa data controller of your personal information will be listed in the documentation we provide to you. If you are unsure you can also contact us at anytime by telephoning 01904 681198 or by emailing us at dataprotectionofficer@hiscox.com. We collect and process information about you in order to provide insurance policies and to process claims. Your information is also used for business purposes such as fraud prevention and detection and financial management. This may involve sharing your information with, and obtaining information about you from, our group companies and third parties such as brokers, loss adjusters, credit reference agencies, service providers, professional advisors, our regulators or fraud prevention agencies. We may record telephone calls to help us monitor and improve the service we provide. For further information on how your information is used and your rights in relation to your information please see our privacy policy at www.hiscox.co.uk/cookies-privacy. The Direct Debit Guarantee This Guarantee is offered by all banks and building societies that accept instructions to pay Direct Debits. If there are any changes to the amount, date or frequency of your Direct Debit Hiscox Underwriting Ltd will notify you ten working days in advance of your account being debited or as otherwise agreed. If you request Hiscox Underwriting Ltd to collect a payment, confirmation of the amount and date will be given to you at the time of the request. If an error is made in the payment of your Direct Debit by Hiscox Underwriting Ltd or your bank or building society you are entitled to a full and immediate refund of the amount paid from your bank or building society. – If you receive a refund you are not entitled to, you must pay it back when Hiscox Underwriting Ltd asks you to. You can cancel a Direct Debit at anytime by simply contacting your bank or building society. Written confirmation maybe required. Please also notify us. Page / 1 Hiscox Business Insurance Policy summary JAC-PSC-UK-DC556(5.4) 17431b 07/20 Your Hiscox Business Insurance policy summaries This document contains the summaries for any policy covers you have selected to protect your business. These summaries outline the key information about your policies so you can be confident that you have understood what you have bought and what you are covered for. However, you should carefully read your policy in full and ensure that you understand its terms and conditions in full. If you have any queries, you should contact Hiscox or your insurance advisor. Your side of the bargain Remember, your premium and insurance are based on the details you have provided to us. Please make sure this information accurately reflects your business and that you inform us immediately if anything needs to change. Please also tell us of any changes in circumstances that may affect the services provided by us or the cover provided by your policy. This is particularly important before taking out a policy, but it also applies throughout the life of the policy too. You need to consider: ■if you fail to fairly present the risk to us, including by failing to disclose any information material to the insurance, you could invalidate the policy, claims may not be paid or the amount we pay maybe reduced; ■you should read and check all insurance documents to ensure that you are aware of the cover, limits and other terms that apply; ■if you fail to let us know of any changes to your circumstances during the period of insurance or, if when telling us about such changes you fail to present the risk to us fairly, you could invalidate the policy, claims may not be paid or the amount we pay maybe reduced; ■please be aware of all terms and conditions of your policy because failure to comply with them could invalidate it or result in us not paying a claim or reducing the amount we pay; ■in the event ofa claim, you should take note of the required procedures, such as giving Hiscox prompt notice of the claims, as stated in the policy documentation. In particular, if you fail to notify us when you first become aware ofa shortcoming, fact, or problem, admit you are liable for what has happened or appoint solicitors or other legal representation without our prior written approval, claims or defence costs may not be paid or the amount we pay maybe reduced; ■as with any insurance, you have an obligation to take reasonable steps to mitigate any loss or liability; ■if you make a fraudulent claim or try to deceive us, we may terminate the policy. Policy length The period of insurance is shown on your policy schedule. Your policy schedule will also show if the policy is ona continuing cover basis. If itis ona continuing cover basis, we will renew your policy each year for another 12 months and continue to take payment (including any premium adjustment shown in your renewal invitation) using your existing arrangement, unless you tell us otherwise or if your risk changes. If your policy schedule does not show that the policy is ona continuing cover basis, cover will cease at the end of the period of insurance, unless you renew your policy with us. We will provide you witha statement of fact each year and provided that the information contained within the statement of fact is true, complete and accurate, you do not need to provide us with any further information. If any of the information in your statement of fact is not true, complete and accurate, you must let us know. If you do not let us know, it may affect the validity of the policy or our ability to pay a claim. Retroactive dates, geographical and jurisdiction limits Where any section of your policy schedule includes a retroactive date, we will not make any payment for any claim or loss under that section which arises from any activity performed or any act, incident or occurrence taking place, before the retroactive date. Where any section of your policy schedule shows the geographical limits which apply to that section of the policy, we will only pay for claims and losses under that section which arise from activities performed or acts, incidents or occurrences taking place within those geographical limits. Where any section provides cover in respect of your liability to third parties, we will only cover claims first made ina country within the applicable courts stated in that section of your policy schedule. Hiscox Business Insurance Policy summary JAC-PSC-UK-DC556(5.4) 17431b 07/20 Cancellation rights You can cancel this policy by giving us 30 days' notice. You will only be charged for the premiums due up to the date of cancellation. If we need to cancel the policy, we’ll give you 30 days’ notice in writing and refund any surplus premiums you might have paid. Please note – we may deduct an administration fee from any refunded payment.There is an exception to our 30-day notice period, which is triggered when we don’t receive your Direct Debit payments within the agreed 14-day period. At this point, we will contact you as soon as possible and stop the policyPage / 2 immediately. Underwritten by:Hiscox Underwriting Ltd on behalf of the insurers named in the schedule. Page / 1 Certificate of professional indemnity insurance Spencer, Jones and George Hiscox Underwriting Ltd of 1 Great St. Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Certificate of professional indemnity Insurance Policy number:ZAJODI.-DT Name of policy holder:Spencer, Jones and George Period of insurance: From 2025-11-26 to 2023-09-09 both days inclusive. This policy isa Continuing cover policy Insurer: Hiscox Insurance Company Limited Retroactive date: 12 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: 2025-11-26 Insurance details Policy number: ZAJODI.-DT Period of insurance: From 2025-11-26 to 2023-09-09 both days inclusive. This policy isa Continuing cover policy. Insured: Spencer, Jones and George Address: Flat 43 Hunt unions North Daleburgh FARNHAM G6 0ES Additional insureds: None Business: Management Consultants Premium details Charged premium – the total amount you’ll pay for this policy. Charged premium: £3,596.17 Insurance Premium Tax (IPT): £5,533.39 Total charged premium: £2,672.62 Annualised premium – the annual premium for this policy. This is given for comparison purposes. Please refer to the charged premium section for the amount you’ll pay for the policy. Annual premium: £3,596.17 Insurance Premium Tax (IPT): £5,533.39 Annual total: £2,672.62 Please note that there will be no refund or additional premium for any transaction which is less than £20 (excluding IPT). Hiscox Business Insurance Policy Schedule 14502 10/18 Summary Claims information If you need to make a claim: - For claims relating to your building or contents please contact our claims team on 0800 247 1902, 9.00am – 5:30pm Monday to Friday. If you wish to make a claim online, you can log most claims quickly and easily through our claims notification portal at https://claims.hiscox.co.uk/. Outside of normal business hours, if you require emergency assistance in relation to substantial damage to your property, you can speak to our 24-hour emergency assistance team using the telephone number above. Your policy schedule will state if property cover is included in your policy. Our out-of-hours emergency assistance team operate ona pay-and-claim basis and you will need to have credit card details available as appropriate. The team will then be able to direct you to essential tradesmen, emergency loss adjusters or disaster management companies in the event of substantial damage. - If there isa claim (or potential claim) against you bya third party, please email us at liability.claims@hiscox.com. If you need to speak to a member of the claims team urgently, please call our team on 0800 711 7156, 9.00am – 5:30pm Monday to Friday. If you wish to make a claim online, you can log most claims quickly and easily through our claims notification portal at https://claims.hiscox.co.uk/. You will need to provide your full name and contact details, the name of your business or organisation, your address and postcode, the policy reference and circumstances of the claim. The Important information and contact details section below contains additional information specific to the covers applicable to your policy. If you are unsure of who to contact please call our team on 0800 711 7156, 9.00am – 5:30pm Monday to Friday. They will ensure you get through to the correct claims team and let you know what actions you need to take. If anything happens that might be covered under the policy, you must comply with the obligations set out in General claims conditions, together with the obligations set out under Your obligations in the section or sections under which you are making the claim. Itis important that you read the policy for details of its terms in full. Your covers This isa summary of each section of your policy. See each section for cover details. Cover Insurance amount Excess Annual Premium (exc IPT) Professional indemnity £1,000,000 £1,000 £7,269.07 Legal protection £100,000 £0 £9,266.68 Crisis containment £25,000 - £7,311.98 The figures above are in summary only and are not in addition to the amount insured specified against each cover section below. Hiscox Business Insurance Policy Schedule 14502 10/18 SECTION: PROFESSIONAL INDEMNITY – MANAGEMENT CONSULTANTS Cover start date: 2025-11-26 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 dataPage / 2 claims £250,000 in the aggregate, including all costs Business activities Business management consultant Retroactive date 12 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	ZAJODI.-DT	(?<=Policy number - )[-\w_\/\.]+?(?= Company name)	2025-11-26	(?<=anniversary of your policy is approaching on )[-\w_\/\. ,]+?(?= \.)	null	null	Business	(?<=time to renew your Hiscox )[-\w_\/\. ]+?(?= Insurance)	2024-02-05
hiscox-business-1	Hiscox Business Insurance - Policy number - 41Y.X.VEV-8MP58E Company name: Reid, Marshall and Stone It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : 41Y.X.VEV-8MP58E. Company name: Reid, Marshall and Stone. Your Hiscox Insurance premium. Last year’s annual premium: This year’s annual premium. £ 9,057.27. £ 9,057.27. The premium includes all applicable insurance premium tax (IPT). Dear Mrs Danny Roberts. Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 30/09/23 . Good news; if you want cover to continue with us and to make sure you stay protected by our award-winning cover, you do not need to do anything. We will update your policy onto our latest wording and continue to collect payment using the payment details we have for you. You must read the important information contained in this email and the attached documents. Your Hiscox Insurance Premium breakdown. The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). The amount shown as last year’s Annual premium will take into account any changes to the cover which may have been made during the last policy period. Cover. Last year’s annual premium (exc IPT). This year’s annual Premium (exc IPT). Professional indemnity. £9,016.73. £9,016.73. Legal protection. £8,502.55. £8,502.55. Crisis containment. £6,411.30. Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy . Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government increase in Insurance Premium Tax as shown. Is our information correct? Your premium and cover are based on what you’ve told us about Reid, Marshall and Stone , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay. . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover. Policy summary for each cover. ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover . As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before 30/09/23 . We’re here between 8:30am - 5:30pm Monday to Friday . Please note that we can only discuss policy changes with people named on the policy. Why renew with Hiscox. - Reassuring: we offer a range of cover options that can be tailored to your needs. - Flexible: we offer full flexibility to change your policy, with no administration fees . - Award-winning cover : we’ve been named Best Small Business Insurer 7 years running by Start Your Business Magazine . Please click this link for the Hiscox Referral Portal: https://refer.aklamio.com/hiscox/uk?source=postpurchase. Thank you again for choosing Hiscox to insure your business. We hope you and your business have a very successful year. Kind regards. Jon Dye. CEO, Hiscox UK. Business Insurance for the small and the brave. To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre. Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. This email and any files transmitted with it are confidential and intended solely for the use of the individual or entity to whom they are addressed. No one else is authorised to distribute, forward, print, copy or act upon any information contained in this email. If you have received this email in error, please notify the sender. Hiscox Syndicates Limited and Hiscox Insurance Company Limited are authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Hiscox Underwriting Limited, Hiscox Underwriting Services Ltd, Hiscox MGA Ltd and Hiscox ASM Ltd are authorised and regulated by the Financial Conduct Authority. Hiscox Assure SAS is duly registered as an insurance broker with the ORIAS, which is the French Official Registry of Insurance Intermediaries. Hiscox plc is a company registered in England and Wales under company registration number 2837811 and registered office at 1 Great St Helen's, London EC3A 6HX. Hiscox SA is a company registered in Luxembourg at 35 Avenue John F. Kennedy 35F, Luxembourg L-1855, and is authorised by the Commissariat aux Assurances de Luxembourg. It’s time to renew your Hiscox Business Insurance Hiscox Insurance policy number : 41Y.X.VEV-8MP58E Company name: Reid, Marshall and Stone . It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : 41Y.X.VEV-8MP58E Company name: Reid, Marshall and Stone . Your Hiscox Insurance premium Last year’s annual premium: This year’s annual premium The premium includes all applicable insurance premium tax (IPT). £ 9,057.27 £ 9,057.27 . Your Hiscox Insurance premium . Last year’s annual premium: This year’s annual premium £ 9,057.27 £ 9,057.27 . The premium includes all applicable insurance premium tax (IPT). Dear Mrs Danny Roberts . Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 30/09/23 . Good news; if you want cover to continue with us and to make sure you stay protected by our award-winning cover, you do not need to do anything. We will update your policy onto our latest wording and continue to collect payment using the payment details we have for you. You must read the important information contained in this email and the attached documents Your Hiscox Insurance Premium breakdown The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). The amount shown as last year’s Annual premium will take into account any changes to the cover which may have been made during the last policy period. Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) Professional indemnity £9,016.73 £9,016.73 Legal protection £8,502.55 £8,502.55 Crisis containment £6,411.30 Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government increase in Insurance Premium Tax as shown. Is our information correct? Your premium and cover are based on what you’ve told us about Reid, Marshall and Stone , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover Policy summary for each cover ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before 30/09/23 . We’re here between 8:30am - 5:30pm Monday to Friday . Please note that we can only discuss policy changes with people named on the policy. Why renew with Hiscox - Reassuring: we offer a range of cover options that can be tailored to your needs - Flexible: we offer full flexibility to change your policy, with no administration fees - Award-winning cover : we’ve been named Best Small Business Insurer 7 years running by Start Your Business Magazine Please click this link for the Hiscox Referral Portal: https://refer.aklamio.com/hiscox/uk?source=postpurchase Thank you again for choosing Hiscox to insure your business. We hope you and your business have a very successful year. Kind regards Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 30/09/23 . Good news; if you want cover to continue with us and to make sure you stay protected by our award-winning cover, you do not need to do anything. We will update your policy onto our latest wording and continue to collect payment using the payment details we have for you. You must read the important information contained in this email and the attached documents Your Hiscox Insurance Premium breakdown The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). The amount shown as last year’s Annual premium will take into account any changes to the cover which may have been made during the last policy period. Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) Professional indemnity £9,016.73 £9,016.73 Legal protection £8,502.55 £8,502.55 Crisis containment £6,411.30 Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government increase in Insurance Premium Tax as shown. Is our information correct? Your premium and cover are based on what you’ve told us about Reid, Marshall and Stone , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover Policy summary for each cover ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before 30/09/23 . We’re here between 8:30am - 5:30pm Monday to Friday . Please note that we can only discuss policy changes with people named on the policy. Why renew with Hiscox - Reassuring: we offer a range of cover options that can be tailored to your needs - Flexible: we offer full flexibility to change your policy, with no administration fees - Award-winning cover : we’ve been named Best Small Business Insurer 7 years running by Start Your Business Magazine Please click this link for the Hiscox Referral Portal: https://refer.aklamio.com/hiscox/uk?source=postpurchase Thank you again for choosing Hiscox to insure your business. We hope you and your business have a very successful year. Kind regards Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Your Hiscox Insurance Premium breakdown The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). Cover Professional indemnity Legal protection Crisis containment . Last year’s annual premium (exc IPT) £9,016.73 £8,502.55 £6,411.30 . This year’s annual Premium (exc IPT) £9,016.73 £8,502.55 . Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) . Professional indemnity £9,016.73 £9,016.73 . Legal protection £8,502.55 £8,502.55 . Crisis containment £6,411.30 . Kind regards Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre . Kind regards . Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave . To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre . Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Page / 1 Hiscox Business Insurance Policy wording 17431a - DC565 WORDING 04/17Guide to sectionsIntroduction Policy wordings General terms and conditions Professional indemnity for business management consultants Legal protection Crisis containment Hiscox Business Insurance Policy wording 17431a - DC565 WORDING 04/17IntroductionThank you for choosing Hiscox to protect your business. We hope that the language and layout of this policy wording are clear because we want you to understand the insurance we provide as well as the responsibilities we have to each other. Please read this document, including the policy schedule, policy summary and statement of fact, and let us know as soon as possible if any of the details are shown incorrectly. We always try to deliver to the highest standards of service. Your views are important to us, so if you feel that our service is below the standard you would expect from Hiscox, please contact us on the phone number shown in your policy schedule. Please note that some of the words we use in this insurance are shown in bold type. These words are defined in each section of the wording. Page / 1 Hiscox Insurance Payment schedule Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Thank you for continuing to pay for your policy by Direct Debit. Please check these details and let us know if anything is incorrect or if the schedule is not suitable. Your reference details Account holder name: Danny Roberts Frequency of collection: Annual Sort code: %BANK_SORT_CODE_1% Account number: %BANK_ACCOUNT_NUMBER_1% Your Direct Debit schedule We will take payments on the dates outlined below: Date Amount Thursday 24 March, 2022 £9,057.27 Where your chosen collection date falls ona non-working day then we will endeavour to collect the next working day. For your information, the collections will be made using the following reference number: Originator Identification Number: 293461 Reference Number: 41Y.X.VEV-8MP58E If you have any questions about your policy or payments, please call us on 0800 280 0351. We’re here between 8:30am - 5:30pm Monday to Friday or you can email us at service@hiscox.co.uk. Using your personal information Hiscox isa trading name ofa number of Hiscox companies. The specific company acting asa data controller of your personal information will be listed in the documentation we provide to you. If you are unsure you can also contact us at anytime by telephoning 01904 681198 or by emailing us at dataprotectionofficer@hiscox.com. We collect and process information about you in order to provide insurance policies and to process claims. Your information is also used for business purposes such as fraud prevention and detection and financial management. This may involve sharing your information with, and obtaining information about you from, our group companies and third parties such as brokers, loss adjusters, credit reference agencies, service providers, professional advisors, our regulators or fraud prevention agencies. We may record telephone calls to help us monitor and improve the service we provide. For further information on how your information is used and your rights in relation to your information please see our privacy policy at www.hiscox.co.uk/cookies-privacy. The Direct Debit Guarantee This Guarantee is offered by all banks and building societies that accept instructions to pay Direct Debits. If there are any changes to the amount, date or frequency of your Direct Debit Hiscox Underwriting Ltd will notify you ten working days in advance of your account being debited or as otherwise agreed. If you request Hiscox Underwriting Ltd to collect a payment, confirmation of the amount and date will be given to you at the time of the request. If an error is made in the payment of your Direct Debit by Hiscox Underwriting Ltd or your bank or building society you are entitled to a full and immediate refund of the amount paid from your bank or building society. – If you receive a refund you are not entitled to, you must pay it back when Hiscox Underwriting Ltd asks you to. You can cancel a Direct Debit at anytime by simply contacting your bank or building society. Written confirmation maybe required. Please also notify us. Page / 1 Hiscox Business Insurance Policy summary JAC-PSC-UK-DC556(5.4) 17431b 07/20 Your Hiscox Business Insurance policy summaries This document contains the summaries for any policy covers you have selected to protect your business. These summaries outline the key information about your policies so you can be confident that you have understood what you have bought and what you are covered for. However, you should carefully read your policy in full and ensure that you understand its terms and conditions in full. If you have any queries, you should contact Hiscox or your insurance advisor. Your side of the bargain Remember, your premium and insurance are based on the details you have provided to us. Please make sure this information accurately reflects your business and that you inform us immediately if anything needs to change. Please also tell us of any changes in circumstances that may affect the services provided by us or the cover provided by your policy. This is particularly important before taking out a policy, but it also applies throughout the life of the policy too. You need to consider: ■if you fail to fairly present the risk to us, including by failing to disclose any information material to the insurance, you could invalidate the policy, claims may not be paid or the amount we pay maybe reduced; ■you should read and check all insurance documents to ensure that you are aware of the cover, limits and other terms that apply; ■if you fail to let us know of any changes to your circumstances during the period of insurance or, if when telling us about such changes you fail to present the risk to us fairly, you could invalidate the policy, claims may not be paid or the amount we pay maybe reduced; ■please be aware of all terms and conditions of your policy because failure to comply with them could invalidate it or result in us not paying a claim or reducing the amount we pay; ■in the event ofa claim, you should take note of the required procedures, such as giving Hiscox prompt notice of the claims, as stated in the policy documentation. In particular, if you fail to notify us when you first become aware ofa shortcoming, fact, or problem, admit you are liable for what has happened or appoint solicitors or other legal representation without our prior written approval, claims or defence costs may not be paid or the amount we pay maybe reduced; ■as with any insurance, you have an obligation to take reasonable steps to mitigate any loss or liability; ■if you make a fraudulent claim or try to deceive us, we may terminate the policy. Policy length The period of insurance is shown on your policy schedule. Your policy schedule will also show if the policy is ona continuing cover basis. If itis ona continuing cover basis, we will renew your policy each year for another 12 months and continue to take payment (including any premium adjustment shown in your renewal invitation) using your existing arrangement, unless you tell us otherwise or if your risk changes. If your policy schedule does not show that the policy is ona continuing cover basis, cover will cease at the end of the period of insurance, unless you renew your policy with us. We will provide you witha statement of fact each year and provided that the information contained within the statement of fact is true, complete and accurate, you do not need to provide us with any further information. If any of the information in your statement of fact is not true, complete and accurate, you must let us know. If you do not let us know, it may affect the validity of the policy or our ability to pay a claim. Retroactive dates, geographical and jurisdiction limits Where any section of your policy schedule includes a retroactive date, we will not make any payment for any claim or loss under that section which arises from any activity performed or any act, incident or occurrence taking place, before the retroactive date. Where any section of your policy schedule shows the geographical limits which apply to that section of the policy, we will only pay for claims and losses under that section which arise from activities performed or acts, incidents or occurrences taking place within those geographical limits. Where any section provides cover in respect of your liability to third parties, we will only cover claims first made ina country within the applicable courts stated in that section of your policy schedule. Hiscox Business Insurance Policy summary JAC-PSC-UK-DC556(5.4) 17431b 07/20 Cancellation rights You can cancel this policy by giving us 30 days' notice. You will only be charged for the premiums due up to the date of cancellation. If we need to cancel the policy, we’ll give you 30 days’ notice in writing and refund any surplus premiums you might have paid. Please note – we may deduct an administration fee from any refunded payment.There is an exception to our 30-day notice period, which is triggered when we don’t receive your Direct Debit payments within the agreed 14-day period. At this point, we will contact you as soon as possible and stop the policyPage / 2 immediately. Underwritten by:Hiscox Underwriting Ltd on behalf of the insurers named in the schedule. Page / 1 Certificate of professional indemnity insurance Reid, Marshall and Stone Hiscox Underwriting Ltd of 1 Great St. Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Certificate of professional indemnity Insurance Policy number:41Y.X.VEV-8MP58E Name of policy holder:Reid, Marshall and Stone Period of insurance: From 30/09/23 to 22/04/25 both days inclusive. This policy isa Continuing cover policy Insurer: Hiscox Insurance Company Limited Retroactive date: Sunday 01 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: 30/09/23 Insurance details Policy number: 41Y.X.VEV-8MP58E Period of insurance: From 30/09/23 to 22/04/25 both days inclusive. This policy isa Continuing cover policy. Insured: Reid, Marshall and Stone Address: 12 Willis valleys South Geraldineshire FARNHAM G0E 4BZ Additional insureds: None Business: Management Consultants Premium details Charged premium – the total amount you’ll pay for this policy. Charged premium: £8,784.52 Insurance Premium Tax (IPT): £5,999.61 Total charged premium: £9,057.27 Annualised premium – the annual premium for this policy. This is given for comparison purposes. Please refer to the charged premium section for the amount you’ll pay for the policy. Annual premium: £8,784.52 Insurance Premium Tax (IPT): £5,999.61 Annual total: £9,057.27 Please note that there will be no refund or additional premium for any transaction which is less than £20 (excluding IPT). Hiscox Business Insurance Policy Schedule 14502 10/18 Summary Claims information If you need to make a claim: - For claims relating to your building or contents please contact our claims team on 0800 247 1902, 9.00am – 5:30pm Monday to Friday. If you wish to make a claim online, you can log most claims quickly and easily through our claims notification portal at https://claims.hiscox.co.uk/. Outside of normal business hours, if you require emergency assistance in relation to substantial damage to your property, you can speak to our 24-hour emergency assistance team using the telephone number above. Your policy schedule will state if property cover is included in your policy. Our out-of-hours emergency assistance team operate ona pay-and-claim basis and you will need to have credit card details available as appropriate. The team will then be able to direct you to essential tradesmen, emergency loss adjusters or disaster management companies in the event of substantial damage. - If there isa claim (or potential claim) against you bya third party, please email us at liability.claims@hiscox.com. If you need to speak to a member of the claims team urgently, please call our team on 0800 711 7156, 9.00am – 5:30pm Monday to Friday. If you wish to make a claim online, you can log most claims quickly and easily through our claims notification portal at https://claims.hiscox.co.uk/. You will need to provide your full name and contact details, the name of your business or organisation, your address and postcode, the policy reference and circumstances of the claim. The Important information and contact details section below contains additional information specific to the covers applicable to your policy. If you are unsure of who to contact please call our team on 0800 711 7156, 9.00am – 5:30pm Monday to Friday. They will ensure you get through to the correct claims team and let you know what actions you need to take. If anything happens that might be covered under the policy, you must comply with the obligations set out in General claims conditions, together with the obligations set out under Your obligations in the section or sections under which you are making the claim. Itis important that you read the policy for details of its terms in full. Your covers This isa summary of each section of your policy. See each section for cover details. Cover Insurance amount Excess Annual Premium (exc IPT) Professional indemnity £1,000,000 £1,000 £9,016.73 Legal protection £100,000 £0 £8,502.55 Crisis containment £25,000 - £6,411.30 The figures above are in summary only and are not in addition to the amount insured specified against each cover section below. Hiscox Business Insurance Policy Schedule 14502 10/18 SECTION: PROFESSIONAL INDEMNITY – MANAGEMENT CONSULTANTS Cover start date: 30/09/23 Limit of indemnity £1,000,000 Limit applies to in the aggregate, including all costs Excess £1,000 Excess applies to each and every claim or loss, including all costs Geographical limits Worldwide Applicable courts Worldwide (excluding United States of America and Canada) Claims brought in USA or Canada Not covered Additional covers (in addition to overall limit of indemnity stated above) Cover Limit of indemnity Limit applies to Court attendance compensation - employees £250 per person, per day Court attendance compensation - directors and partners£500 per person, per day Court attendance compensation: in total £100,000 in the aggregate Special limits (included within not in addition to the overall limit of indemnity stated above) Cover Limit of indemnity Limit applies to Personal dataPage / 2 claims £250,000 in the aggregate, including all costs Business activities Business management consultant Retroactive date Sunday 01 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	41Y.X.VEV-8MP58E	(?<=Policy number - )[-\w_\/\.]+?(?= Company name)	30/09/23	(?<=anniversary of your policy is approaching on )[-\w_\/\. ,]+?(?= \.)	null	null	Business	(?<=time to renew your Hiscox )[-\w_\/\. ]+?(?= Insurance)	2024-02-05
hiscox-business-1	Hiscox Business Insurance - Policy number - T8ZYST6DKI0D2R1PGUSC0F Company name: Pratt LLC It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : T8ZYST6DKI0D2R1PGUSC0F. Company name: Pratt LLC. Your Hiscox Insurance premium. Last year’s annual premium: This year’s annual premium. £ 310.17. £ 310.17. The premium includes all applicable insurance premium tax (IPT). Dear Mr Dr Ashley Cook. Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 16/11/2023 . Good news; if you want cover to continue with us and to make sure you stay protected by our award-winning cover, you do not need to do anything. We will update your policy onto our latest wording and continue to collect payment using the payment details we have for you. You must read the important information contained in this email and the attached documents. Your Hiscox Insurance Premium breakdown. The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). The amount shown as last year’s Annual premium will take into account any changes to the cover which may have been made during the last policy period. Cover. Last year’s annual premium (exc IPT). This year’s annual Premium (exc IPT). Professional indemnity. £348.56. £348.56. Legal protection. £888.57. £888.57. Crisis containment. £2,502.73. Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy . Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government increase in Insurance Premium Tax as shown. Is our information correct? Your premium and cover are based on what you’ve told us about Pratt LLC , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay. . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover. Policy summary for each cover. ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover . As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before 16/11/2023 . We’re here between 8:30am - 5:30pm Monday to Friday . Please note that we can only discuss policy changes with people named on the policy. Why renew with Hiscox. - Reassuring: we offer a range of cover options that can be tailored to your needs. - Flexible: we offer full flexibility to change your policy, with no administration fees . - Award-winning cover : we’ve been named Best Small Business Insurer 7 years running by Start Your Business Magazine . Please click this link for the Hiscox Referral Portal: https://refer.aklamio.com/hiscox/uk?source=postpurchase. Thank you again for choosing Hiscox to insure your business. We hope you and your business have a very successful year. Kind regards. Jon Dye. CEO, Hiscox UK. Business Insurance for the small and the brave. To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre. Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. This email and any files transmitted with it are confidential and intended solely for the use of the individual or entity to whom they are addressed. No one else is authorised to distribute, forward, print, copy or act upon any information contained in this email. If you have received this email in error, please notify the sender. Hiscox Syndicates Limited and Hiscox Insurance Company Limited are authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Hiscox Underwriting Limited, Hiscox Underwriting Services Ltd, Hiscox MGA Ltd and Hiscox ASM Ltd are authorised and regulated by the Financial Conduct Authority. Hiscox Assure SAS is duly registered as an insurance broker with the ORIAS, which is the French Official Registry of Insurance Intermediaries. Hiscox plc is a company registered in England and Wales under company registration number 2837811 and registered office at 1 Great St Helen's, London EC3A 6HX. Hiscox SA is a company registered in Luxembourg at 35 Avenue John F. Kennedy 35F, Luxembourg L-1855, and is authorised by the Commissariat aux Assurances de Luxembourg. It’s time to renew your Hiscox Business Insurance Hiscox Insurance policy number : T8ZYST6DKI0D2R1PGUSC0F Company name: Pratt LLC . It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : T8ZYST6DKI0D2R1PGUSC0F Company name: Pratt LLC . Your Hiscox Insurance premium Last year’s annual premium: This year’s annual premium The premium includes all applicable insurance premium tax (IPT). £ 310.17 £ 310.17 . Your Hiscox Insurance premium . Last year’s annual premium: This year’s annual premium £ 310.17 £ 310.17 . The premium includes all applicable insurance premium tax (IPT). Dear Mr Dr Ashley Cook . Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 16/11/2023 . Good news; if you want cover to continue with us and to make sure you stay protected by our award-winning cover, you do not need to do anything. We will update your policy onto our latest wording and continue to collect payment using the payment details we have for you. You must read the important information contained in this email and the attached documents Your Hiscox Insurance Premium breakdown The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). The amount shown as last year’s Annual premium will take into account any changes to the cover which may have been made during the last policy period. Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) Professional indemnity £348.56 £348.56 Legal protection £888.57 £888.57 Crisis containment £2,502.73 Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government increase in Insurance Premium Tax as shown. Is our information correct? Your premium and cover are based on what you’ve told us about Pratt LLC , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover Policy summary for each cover ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before 16/11/2023 . We’re here between 8:30am - 5:30pm Monday to Friday . Please note that we can only discuss policy changes with people named on the policy. Why renew with Hiscox - Reassuring: we offer a range of cover options that can be tailored to your needs - Flexible: we offer full flexibility to change your policy, with no administration fees - Award-winning cover : we’ve been named Best Small Business Insurer 7 years running by Start Your Business Magazine Please click this link for the Hiscox Referral Portal: https://refer.aklamio.com/hiscox/uk?source=postpurchase Thank you again for choosing Hiscox to insure your business. We hope you and your business have a very successful year. Kind regards Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 16/11/2023 . Good news; if you want cover to continue with us and to make sure you stay protected by our award-winning cover, you do not need to do anything. We will update your policy onto our latest wording and continue to collect payment using the payment details we have for you. You must read the important information contained in this email and the attached documents Your Hiscox Insurance Premium breakdown The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). The amount shown as last year’s Annual premium will take into account any changes to the cover which may have been made during the last policy period. Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) Professional indemnity £348.56 £348.56 Legal protection £888.57 £888.57 Crisis containment £2,502.73 Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government increase in Insurance Premium Tax as shown. Is our information correct? Your premium and cover are based on what you’ve told us about Pratt LLC , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover Policy summary for each cover ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before 16/11/2023 . We’re here between 8:30am - 5:30pm Monday to Friday . Please note that we can only discuss policy changes with people named on the policy. Why renew with Hiscox - Reassuring: we offer a range of cover options that can be tailored to your needs - Flexible: we offer full flexibility to change your policy, with no administration fees - Award-winning cover : we’ve been named Best Small Business Insurer 7 years running by Start Your Business Magazine Please click this link for the Hiscox Referral Portal: https://refer.aklamio.com/hiscox/uk?source=postpurchase Thank you again for choosing Hiscox to insure your business. We hope you and your business have a very successful year. Kind regards Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Your Hiscox Insurance Premium breakdown The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). Cover Professional indemnity Legal protection Crisis containment . Last year’s annual premium (exc IPT) £348.56 £888.57 £2,502.73 . This year’s annual Premium (exc IPT) £348.56 £888.57 . Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) . Professional indemnity £348.56 £348.56 . Legal protection £888.57 £888.57 . Crisis containment £2,502.73 . Kind regards Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre . Kind regards . Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave . To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre . Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Page / 1 Hiscox Business Insurance Policy wording 17431a - DC565 WORDING 04/17Guide to sectionsIntroduction Policy wordings General terms and conditions Professional indemnity for business management consultants Legal protection Crisis containment Hiscox Business Insurance Policy wording 17431a - DC565 WORDING 04/17IntroductionThank you for choosing Hiscox to protect your business. We hope that the language and layout of this policy wording are clear because we want you to understand the insurance we provide as well as the responsibilities we have to each other. Please read this document, including the policy schedule, policy summary and statement of fact, and let us know as soon as possible if any of the details are shown incorrectly. We always try to deliver to the highest standards of service. Your views are important to us, so if you feel that our service is below the standard you would expect from Hiscox, please contact us on the phone number shown in your policy schedule. Please note that some of the words we use in this insurance are shown in bold type. These words are defined in each section of the wording. Page / 1 Hiscox Insurance Payment schedule Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Thank you for continuing to pay for your policy by Direct Debit. Please 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 Ashley Cook Frequency of collection: Annual Sort code: %BANK_SORT_CODE_1% Account number: %BANK_ACCOUNT_NUMBER_1% Your Direct Debit schedule We will take payments on the dates outlined below: Date Amount 30/01/2023 £310.17 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: T8ZYST6DKI0D2R1PGUSC0F If you have any questions about your policy or payments, please call us on 0800 280 0351. We’re here between 8:30am - 5:30pm Monday to Friday or you can email us at service@hiscox.co.uk. Using your personal information Hiscox isa trading name ofa number of Hiscox companies. The specific company acting asa data controller of your personal information will be listed in the documentation we provide to you. If you are unsure you can also contact us at anytime by telephoning 01904 681198 or by emailing us at dataprotectionofficer@hiscox.com. We collect and process information about you in order to provide insurance policies and to process claims. Your information is also used for business purposes such as fraud prevention and detection and financial management. This may involve sharing your information with, and obtaining information about you from, our group companies and third parties such as brokers, loss adjusters, credit reference agencies, service providers, professional advisors, our regulators or fraud prevention agencies. We may record telephone calls to help us monitor and improve the service we provide. For further information on how your information is used and your rights in relation to your information please see our privacy policy at www.hiscox.co.uk/cookies-privacy. The Direct Debit Guarantee This Guarantee is offered by all banks and building societies that accept instructions to pay Direct Debits. If there are any changes to the amount, date or frequency of your Direct Debit Hiscox Underwriting Ltd will notify you ten working days in advance of your account being debited or as otherwise agreed. If you request Hiscox Underwriting Ltd to collect a payment, confirmation of the amount and date will be given to you at the time of the request. If an error is made in the payment of your Direct Debit by Hiscox Underwriting Ltd or your bank or building society you are entitled to a full and immediate refund of the amount paid from your bank or building society. – If you receive a refund you are not entitled to, you must pay it back when Hiscox Underwriting Ltd asks you to. You can cancel a Direct Debit at anytime by simply contacting your bank or building society. Written confirmation maybe required. Please also notify us. Page / 1 Hiscox Business Insurance Policy summary JAC-PSC-UK-DC556(5.4) 17431b 07/20 Your Hiscox Business Insurance policy summaries This document contains the summaries for any policy covers you have selected to protect your business. These summaries outline the key information about your policies so you can be confident that you have understood what you have bought and what you are covered for. However, you should carefully read your policy in full and ensure that you understand its terms and conditions in full. If you have any queries, you should contact Hiscox or your insurance advisor. Your side of the bargain Remember, your premium and insurance are based on the details you have provided to us. Please make sure this information accurately reflects your business and that you inform us immediately if anything needs to change. Please also tell us of any changes in circumstances that may affect the services provided by us or the cover provided by your policy. This is particularly important before taking out a policy, but it also applies throughout the life of the policy too. You need to consider: ■if you fail to fairly present the risk to us, including by failing to disclose any information material to the insurance, you could invalidate the policy, claims may not be paid or the amount we pay maybe reduced; ■you should read and check all insurance documents to ensure that you are aware of the cover, limits and other terms that apply; ■if you fail to let us know of any changes to your circumstances during the period of insurance or, if when telling us about such changes you fail to present the risk to us fairly, you could invalidate the policy, claims may not be paid or the amount we pay maybe reduced; ■please be aware of all terms and conditions of your policy because failure to comply with them could invalidate it or result in us not paying a claim or reducing the amount we pay; ■in the event ofa claim, you should take note of the required procedures, such as giving Hiscox prompt notice of the claims, as stated in the policy documentation. In particular, if you fail to notify us when you first become aware ofa shortcoming, fact, or problem, admit you are liable for what has happened or appoint solicitors or other legal representation without our prior written approval, claims or defence costs may not be paid or the amount we pay maybe reduced; ■as with any insurance, you have an obligation to take reasonable steps to mitigate any loss or liability; ■if you make a fraudulent claim or try to deceive us, we may terminate the policy. Policy length The period of insurance is shown on your policy schedule. Your policy schedule will also show if the policy is ona continuing cover basis. If itis ona continuing cover basis, we will renew your policy each year for another 12 months and continue to take payment (including any premium adjustment shown in your renewal invitation) using your existing arrangement, unless you tell us otherwise or if your risk changes. If your policy schedule does not show that the policy is ona continuing cover basis, cover will cease at the end of the period of insurance, unless you renew your policy with us. We will provide you witha statement of fact each year and provided that the information contained within the statement of fact is true, complete and accurate, you do not need to provide us with any further information. If any of the information in your statement of fact is not true, complete and accurate, you must let us know. If you do not let us know, it may affect the validity of the policy or our ability to pay a claim. Retroactive dates, geographical and jurisdiction limits Where any section of your policy schedule includes a retroactive date, we will not make any payment for any claim or loss under that section which arises from any activity performed or any act, incident or occurrence taking place, before the retroactive date. Where any section of your policy schedule shows the geographical limits which apply to that section of the policy, we will only pay for claims and losses under that section which arise from activities performed or acts, incidents or occurrences taking place within those geographical limits. Where any section provides cover in respect of your liability to third parties, we will only cover claims first made ina country within the applicable courts stated in that section of your policy schedule. Hiscox Business Insurance Policy summary JAC-PSC-UK-DC556(5.4) 17431b 07/20 Cancellation rights You can cancel this policy by giving us 30 days' notice. You will only be charged for the premiums due up to the date of cancellation. If we need to cancel the policy, we’ll give you 30 days’ notice in writing and refund any surplus premiums you might have paid. Please note – we may deduct an administration fee from any refunded payment.There is an exception to our 30-day notice period, which is triggered when we don’t receive your Direct Debit payments within the agreed 14-day period. At this point, we will contact you as soon as possible and stop the policyPage / 2 immediately. Underwritten by:Hiscox Underwriting Ltd on behalf of the insurers named in the schedule. Page / 1 Certificate of professional indemnity insurance Pratt 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:T8ZYST6DKI0D2R1PGUSC0F Name of policy holder:Pratt LLC Period of insurance: From 16/11/2023 to Tue 09 July, 2024 both days inclusive. This policy isa Continuing cover policy Insurer: Hiscox Insurance Company Limited Retroactive date: 08 December, 2020 Level of cover:£1,000,000 Signed on behalf of Hiscox Underwriting Limited as agent for the insurers Jon Dye CEO, Hiscox UK Notes: (a) This insurance is subject to policy terms and conditions and any special terms notified to the InsuredPage / 1 Hiscox Business Insurance Policy Schedule 14502 10/18 This schedule tells you what is insured with us. It should be read carefully with your policy wording(s) and statement of fact detailed elsewhere in this document. Schedule effective date: 16/11/2023 Insurance details Policy number: T8ZYST6DKI0D2R1PGUSC0F Period of insurance: From 16/11/2023 to Tue 09 July, 2024 both days inclusive. This policy isa Continuing cover policy. Insured: Pratt LLC Address: Studio 6 Fisher mission North Anthonytown FARNHAM E8 7HJ Additional insureds: None Business: Management Consultants Premium details Charged premium – the total amount you’ll pay for this policy. Charged premium: £6,880.05 Insurance Premium Tax (IPT): £5,050.84 Total charged premium: £310.17 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: £6,880.05 Insurance Premium Tax (IPT): £5,050.84 Annual total: £310.17 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 £348.56 Legal protection £100,000 £0 £888.57 Crisis containment £25,000 - £2,502.73 The figures above are in summary only and are not in addition to the amount insured specified against each cover section below. Hiscox Business Insurance Policy Schedule 14502 10/18 SECTION: PROFESSIONAL INDEMNITY – MANAGEMENT CONSULTANTS Cover start date: 16/11/2023 Limit of indemnity £1,000,000 Limit applies to in the aggregate, including all costs Excess £1,000 Excess applies to each and every claim or loss, including all costs Geographical limits Worldwide Applicable courts Worldwide (excluding United States of America and Canada) Claims brought in USA or Canada Not covered Additional covers (in addition to overall limit of indemnity stated above) Cover Limit of indemnity Limit applies to Court attendance compensation - employees £250 per person, per day Court attendance compensation - directors and partners£500 per person, per day Court attendance compensation: in total £100,000 in the aggregate Special limits (included within not in addition to the overall limit of indemnity stated above) Cover Limit of indemnity Limit applies to Personal dataPage / 2 claims £250,000 in the aggregate, including all costs Business activities Business management consultant Retroactive date 08 December, 2020 Insurer Hiscox Insurance Company LimitedPage / 1 Hiscox Insurance Summary of change Introduction This document has been created to help you understand the key changes to your Hiscox Insurance policy and how they may impact you. Your policy continues to offer professional, tailored insurance to protect you and give you peace of mind that if you need us, you will be supported by our award winning claims team. If you have a query not covered by this document, or if you have any questions or concerns about your policy you should contact us. Frequently asked questions What if my circumstances change during the period of insurance? If your circumstances change during the period of insurance, you only need to let us know if the change means that any of the information in the Statement of Fact is no longer true, complete and accurate. If there are no such changes, you do not need to let us know. If any of the information within the Statement of Fact becomes no longer complete, true or accurate at any point during the period of insurance you must tell us as it may affect the validity of the policy or our ability to pay a claim. Additionally, if your contact details change then you should let us know straightaway. Where doI find the limits that apply to my policy? You can find your maximum allowable limits for turnover and wage rollin your Statement of Fact. You must check this information and tell us or your broker if you expect to exceed the maximum amounts shown. Please note these values may have changed. If there are special limits or special excesses applying to particular covers or types of losses these will be shown in the policy schedule. Please check your policy schedule carefully as they may have changed. My new schedule shows a different premium to last year? What has changed? If an underwriter has reviewed your policy then they may have manually adjusted your premium, for example if you’ve had claims in the last 12 months. Where doI find out about any endorsements on my policy? You will be able to see if an endorsement has been applied or removed by reviewing your Policy Schedule. If you have any queries or concerns, please contact us or your broker if you have one. Hiscox Insurance Summary of change Professional indemnity for business management consultants Summary of change Changes to the cover The following table shows the differences between our new policy wordings (5570 WD- PROF-UK-MAN(7), 15579 WD-PROF-UK-MAN-AG(3)) and our previous wordings (5570 WD-PROF-UK-MAN(6), 15579 WD-PROF-UK-MAN-AG(2)). This isa summary of the changes only. You should refer to the schedule and policy wording for the full description of the cover in place. Area of cover Previous policy New policy Improvement in cover Claims against you Advertising claims. We will pay claims arising from your advertising or branding for defamation or infringement of copyright or moral rights. This does not include claims for passing off, unauthorised use of trademarks or false or misleading advertising. Previously cover was not restricted to defamation or the infringement of copyright or moral rights.Covered Amended Your own lossesChanges to ‘what is covered’ Losses from dishonesty. Your losses arising from the dishonesty of your employees, sub-contractors or outsourcers.Covered Not covered Area of cover Previous policy New policy Improvement in cover Cyber incident. We will not pay claims relating to an actual or possible cyber attack, hacker or social engineering communication. Previously we excluded any virus not specifically targeted at your system.Covered Not covered Computer or digital technology error. We will not pay claims arising from any negligent act, error or omission in the operation or maintenance of computer or digital technology such as development, installation, patching or upgrading.Covered Not coveredChanges to ‘what is not covered’ Infrastructure. We will not pay claims arising from the failure of the service provided by internet, telecommunications, utilities or other infrastructure providers.Covered Not covered Hiscox Insurance Summary of change Personal data. We will not pay claims relating to personal data. We will pay such claims where they arise from your performance ofa business activity and which is not otherwise excluded. Subject to the limit shown in the schedule.Covered Not covered Other important changes Control of defence. Under the previous wording we had a duty to defend you against any covered claim brought against you. We now have the right but not the obligation to take control of the conduct of the claim including the appointment of legal representation. Please refer to the policy wording for full details. SOC-PROF-UK-MAN(1) 21367 01/21	T8ZYST6DKI0D2R1PGUSC0F	(?<=Policy number - )[-\w_\/\.]+?(?= Company name)	16/11/2023	(?<=anniversary of your policy is approaching on )[-\w_\/\. ,]+?(?= \.)	null	null	Business	(?<=time to renew your Hiscox )[-\w_\/\. ]+?(?= Insurance)	2024-02-05
hiscox-business-1	Hiscox Business Insurance - Policy number - OOV_4HE/LLC.65.5LZP Company name: Lees, Davies and Newman It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : OOV_4HE/LLC.65.5LZP. Company name: Lees, Davies and Newman. Your Hiscox Insurance premium. Last year’s annual premium: This year’s annual premium. £ 2,803.93. £ 2,803.93. The premium includes all applicable insurance premium tax (IPT). Dear Dr Mr Max Austin. Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 23/01/2021 . 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. £2,724.13. £2,724.13. Legal protection. £1,372.84. £1,372.84. Crisis containment. £1,034.96. Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy . Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government increase in Insurance Premium Tax as shown. Is our information correct? Your premium and cover are based on what you’ve told us about Lees, Davies and Newman , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay. . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover. Policy summary for each cover. ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover . As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before 23/01/2021 . 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 : OOV_4HE/LLC.65.5LZP Company name: Lees, Davies and Newman . It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : OOV_4HE/LLC.65.5LZP Company name: Lees, Davies and Newman . Your Hiscox Insurance premium Last year’s annual premium: This year’s annual premium The premium includes all applicable insurance premium tax (IPT). £ 2,803.93 £ 2,803.93 . Your Hiscox Insurance premium . Last year’s annual premium: This year’s annual premium £ 2,803.93 £ 2,803.93 . The premium includes all applicable insurance premium tax (IPT). Dear Dr Mr Max Austin . Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 23/01/2021 . 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 £2,724.13 £2,724.13 Legal protection £1,372.84 £1,372.84 Crisis containment £1,034.96 Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government increase in Insurance Premium Tax as shown. Is our information correct? Your premium and cover are based on what you’ve told us about Lees, Davies and Newman , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover Policy summary for each cover ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before 23/01/2021 . 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 23/01/2021 . 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 £2,724.13 £2,724.13 Legal protection £1,372.84 £1,372.84 Crisis containment £1,034.96 Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government increase in Insurance Premium Tax as shown. Is our information correct? Your premium and cover are based on what you’ve told us about Lees, Davies and Newman , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover Policy summary for each cover ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before 23/01/2021 . 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) £2,724.13 £1,372.84 £1,034.96 . This year’s annual Premium (exc IPT) £2,724.13 £1,372.84 . Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) . Professional indemnity £2,724.13 £2,724.13 . Legal protection £1,372.84 £1,372.84 . Crisis containment £1,034.96 . Kind regards Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre . Kind regards . Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave . To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre . Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Page / 1 Hiscox Business Insurance Policy wording 17431a - DC565 WORDING 04/17Guide to sectionsIntroduction Policy wordings General terms and conditions Professional indemnity for business management consultants Legal protection Crisis containment Hiscox Business Insurance Policy wording 17431a - DC565 WORDING 04/17IntroductionThank you for choosing Hiscox to protect your business. We hope that the language and layout of this policy wording are clear because we want you to understand the insurance we provide as well as the responsibilities we have to each other. Please read this document, including the policy schedule, policy summary and statement of fact, and let us know as soon as possible if any of the details are shown incorrectly. We always try to deliver to the highest standards of service. Your views are important to us, so if you feel that our service is below the standard you would expect from Hiscox, please contact us on the phone number shown in your policy schedule. Please note that some of the words we use in this insurance are shown in bold type. These words are defined in each section of the wording. Page / 1 Hiscox Insurance Payment schedule Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Thank you for continuing to pay for your policy by Direct Debit. Please 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 Max Austin Frequency of collection: Annual Sort code: %BANK_SORT_CODE_1% Account number: %BANK_ACCOUNT_NUMBER_1% Your Direct Debit schedule We will take payments on the dates outlined below: Date Amount 13/05/2025 £2,803.93 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: OOV_4HE/LLC.65.5LZP If you have any questions about your policy or payments, please call us on 0800 280 0351. We’re here between 8:30am - 5:30pm Monday to Friday or you can email us at service@hiscox.co.uk. Using your personal information Hiscox isa trading name ofa number of Hiscox companies. The specific company acting asa data controller of your personal information will be listed in the documentation we provide to you. If you are unsure you can also contact us at anytime by telephoning 01904 681198 or by emailing us at dataprotectionofficer@hiscox.com. We collect and process information about you in order to provide insurance policies and to process claims. Your information is also used for business purposes such as fraud prevention and detection and financial management. This may involve sharing your information with, and obtaining information about you from, our group companies and third parties such as brokers, loss adjusters, credit reference agencies, service providers, professional advisors, our regulators or fraud prevention agencies. We may record telephone calls to help us monitor and improve the service we provide. For further information on how your information is used and your rights in relation to your information please see our privacy policy at www.hiscox.co.uk/cookies-privacy. The Direct Debit Guarantee This Guarantee is offered by all banks and building societies that accept instructions to pay Direct Debits. If there are any changes to the amount, date or frequency of your Direct Debit Hiscox Underwriting Ltd will notify you ten working days in advance of your account being debited or as otherwise agreed. If you request Hiscox Underwriting Ltd to collect a payment, confirmation of the amount and date will be given to you at the time of the request. If an error is made in the payment of your Direct Debit by Hiscox Underwriting Ltd or your bank or building society you are entitled to a full and immediate refund of the amount paid from your bank or building society. – If you receive a refund you are not entitled to, you must pay it back when Hiscox Underwriting Ltd asks you to. You can cancel a Direct Debit at anytime by simply contacting your bank or building society. Written confirmation maybe required. Please also notify us. Page / 1 Hiscox Business Insurance Policy summary JAC-PSC-UK-DC556(5.4) 17431b 07/20 Your Hiscox Business Insurance policy summaries This document contains the summaries for any policy covers you have selected to protect your business. These summaries outline the key information about your policies so you can be confident that you have understood what you have bought and what you are covered for. However, you should carefully read your policy in full and ensure that you understand its terms and conditions in full. If you have any queries, you should contact Hiscox or your insurance advisor. Your side of the bargain Remember, your premium and insurance are based on the details you have provided to us. Please make sure this information accurately reflects your business and that you inform us immediately if anything needs to change. Please also tell us of any changes in circumstances that may affect the services provided by us or the cover provided by your policy. This is particularly important before taking out a policy, but it also applies throughout the life of the policy too. You need to consider: ■if you fail to fairly present the risk to us, including by failing to disclose any information material to the insurance, you could invalidate the policy, claims may not be paid or the amount we pay maybe reduced; ■you should read and check all insurance documents to ensure that you are aware of the cover, limits and other terms that apply; ■if you fail to let us know of any changes to your circumstances during the period of insurance or, if when telling us about such changes you fail to present the risk to us fairly, you could invalidate the policy, claims may not be paid or the amount we pay maybe reduced; ■please be aware of all terms and conditions of your policy because failure to comply with them could invalidate it or result in us not paying a claim or reducing the amount we pay; ■in the event ofa claim, you should take note of the required procedures, such as giving Hiscox prompt notice of the claims, as stated in the policy documentation. In particular, if you fail to notify us when you first become aware ofa shortcoming, fact, or problem, admit you are liable for what has happened or appoint solicitors or other legal representation without our prior written approval, claims or defence costs may not be paid or the amount we pay maybe reduced; ■as with any insurance, you have an obligation to take reasonable steps to mitigate any loss or liability; ■if you make a fraudulent claim or try to deceive us, we may terminate the policy. Policy length The period of insurance is shown on your policy schedule. Your policy schedule will also show if the policy is ona continuing cover basis. If itis ona continuing cover basis, we will renew your policy each year for another 12 months and continue to take payment (including any premium adjustment shown in your renewal invitation) using your existing arrangement, unless you tell us otherwise or if your risk changes. If your policy schedule does not show that the policy is ona continuing cover basis, cover will cease at the end of the period of insurance, unless you renew your policy with us. We will provide you witha statement of fact each year and provided that the information contained within the statement of fact is true, complete and accurate, you do not need to provide us with any further information. If any of the information in your statement of fact is not true, complete and accurate, you must let us know. If you do not let us know, it may affect the validity of the policy or our ability to pay a claim. Retroactive dates, geographical and jurisdiction limits Where any section of your policy schedule includes a retroactive date, we will not make any payment for any claim or loss under that section which arises from any activity performed or any act, incident or occurrence taking place, before the retroactive date. Where any section of your policy schedule shows the geographical limits which apply to that section of the policy, we will only pay for claims and losses under that section which arise from activities performed or acts, incidents or occurrences taking place within those geographical limits. Where any section provides cover in respect of your liability to third parties, we will only cover claims first made ina country within the applicable courts stated in that section of your policy schedule. Hiscox Business Insurance Policy summary JAC-PSC-UK-DC556(5.4) 17431b 07/20 Cancellation rights You can cancel this policy by giving us 30 days' notice. You will only be charged for the premiums due up to the date of cancellation. If we need to cancel the policy, we’ll give you 30 days’ notice in writing and refund any surplus premiums you might have paid. Please note – we may deduct an administration fee from any refunded payment.There is an exception to our 30-day notice period, which is triggered when we don’t receive your Direct Debit payments within the agreed 14-day period. At this point, we will contact you as soon as possible and stop the policyPage / 2 immediately. Underwritten by:Hiscox Underwriting Ltd on behalf of the insurers named in the schedule. Page / 1 Certificate of professional indemnity insurance Lees, Davies and Newman Hiscox Underwriting Ltd of 1 Great St. Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Certificate of professional indemnity Insurance Policy number:OOV_4HE/LLC.65.5LZP Name of policy holder:Lees, Davies and Newman Period of insurance: From 23/01/2021 to 16 May, 2022 both days inclusive. This policy isa Continuing cover policy Insurer: Hiscox Insurance Company Limited Retroactive date: 08/10/2025 Level of cover:£1,000,000 Signed on behalf of Hiscox Underwriting Limited as agent for the insurers Jon Dye CEO, Hiscox UK Notes: (a) This insurance is subject to policy terms and conditions and any special terms notified to the InsuredPage / 1 Hiscox Business Insurance Policy Schedule 14502 10/18 This schedule tells you what is insured with us. It should be read carefully with your policy wording(s) and statement of fact detailed elsewhere in this document. Schedule effective date: 23/01/2021 Insurance details Policy number: OOV_4HE/LLC.65.5LZP Period of insurance: From 23/01/2021 to 16 May, 2022 both days inclusive. This policy isa Continuing cover policy. Insured: Lees, Davies and Newman Address: 566 Graham field New Elliott FARNHAM CT8 6LX Additional insureds: None Business: Management Consultants Premium details Charged premium – the total amount you’ll pay for this policy. Charged premium: £1,793.32 Insurance Premium Tax (IPT): £8,959.49 Total charged premium: £2,803.93 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: £1,793.32 Insurance Premium Tax (IPT): £8,959.49 Annual total: £2,803.93 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 £2,724.13 Legal protection £100,000 £0 £1,372.84 Crisis containment £25,000 - £1,034.96 The figures above are in summary only and are not in addition to the amount insured specified against each cover section below. Hiscox Business Insurance Policy Schedule 14502 10/18 SECTION: PROFESSIONAL INDEMNITY – MANAGEMENT CONSULTANTS Cover start date: 23/01/2021 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 dataPage / 2 claims £250,000 in the aggregate, including all costs Business activities Business management consultant Retroactive date 08/10/2025 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	OOV_4HE/LLC.65.5LZP	(?<=Policy number - )[-\w_\/\.]+?(?= Company name)	23/01/2021	(?<=anniversary of your policy is approaching on )[-\w_\/\. ,]+?(?= \.)	null	null	Business	(?<=time to renew your Hiscox )[-\w_\/\. ]+?(?= Insurance)	2024-02-05
hiscox-business-1	Hiscox Business Insurance - Policy number - 0JYZQIEXGRV-ZTVJL8 Company name: Knowles, Thorpe and Smith It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : 0JYZQIEXGRV-ZTVJL8. Company name: Knowles, Thorpe and Smith. Your Hiscox Insurance premium. Last year’s annual premium: This year’s annual premium. £ 8,548.12. £ 8,548.12. The premium includes all applicable insurance premium tax (IPT). Dear Miss Jay Harris. Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 2023-03-13 . Good news; if you want cover to continue with us and to make sure you stay protected by our award-winning cover, you do not need to do anything. We will update your policy onto our latest wording and continue to collect payment using the payment details we have for you. You must read the important information contained in this email and the attached documents. Your Hiscox Insurance Premium breakdown. The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). The amount shown as last year’s Annual premium will take into account any changes to the cover which may have been made during the last policy period. Cover. Last year’s annual premium (exc IPT). This year’s annual Premium (exc IPT). Professional indemnity. £6,419.02. £6,419.02. Legal protection. £1,863.09. £1,863.09. Crisis containment. £6,421.05. Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy . Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government increase in Insurance Premium Tax as shown. Is our information correct? Your premium and cover are based on what you’ve told us about Knowles, Thorpe and Smith , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay. . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover. Policy summary for each cover. ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover . As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before 2023-03-13 . We’re here between 8:30am - 5:30pm Monday to Friday . Please note that we can only discuss policy changes with people named on the policy. Why renew with Hiscox. - Reassuring: we offer a range of cover options that can be tailored to your needs. - Flexible: we offer full flexibility to change your policy, with no administration fees . - Award-winning cover : we’ve been named Best Small Business Insurer 7 years running by Start Your Business Magazine . Please click this link for the Hiscox Referral Portal: https://refer.aklamio.com/hiscox/uk?source=postpurchase. Thank you again for choosing Hiscox to insure your business. We hope you and your business have a very successful year. Kind regards. Jon Dye. CEO, Hiscox UK. Business Insurance for the small and the brave. To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre. Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. This email and any files transmitted with it are confidential and intended solely for the use of the individual or entity to whom they are addressed. No one else is authorised to distribute, forward, print, copy or act upon any information contained in this email. If you have received this email in error, please notify the sender. Hiscox Syndicates Limited and Hiscox Insurance Company Limited are authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Hiscox Underwriting Limited, Hiscox Underwriting Services Ltd, Hiscox MGA Ltd and Hiscox ASM Ltd are authorised and regulated by the Financial Conduct Authority. Hiscox Assure SAS is duly registered as an insurance broker with the ORIAS, which is the French Official Registry of Insurance Intermediaries. Hiscox plc is a company registered in England and Wales under company registration number 2837811 and registered office at 1 Great St Helen's, London EC3A 6HX. Hiscox SA is a company registered in Luxembourg at 35 Avenue John F. Kennedy 35F, Luxembourg L-1855, and is authorised by the Commissariat aux Assurances de Luxembourg. It’s time to renew your Hiscox Business Insurance Hiscox Insurance policy number : 0JYZQIEXGRV-ZTVJL8 Company name: Knowles, Thorpe and Smith . It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : 0JYZQIEXGRV-ZTVJL8 Company name: Knowles, Thorpe 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). £ 8,548.12 £ 8,548.12 . Your Hiscox Insurance premium . Last year’s annual premium: This year’s annual premium £ 8,548.12 £ 8,548.12 . The premium includes all applicable insurance premium tax (IPT). Dear Miss Jay Harris . Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 2023-03-13 . Good news; if you want cover to continue with us and to make sure you stay protected by our award-winning cover, you do not need to do anything. We will update your policy onto our latest wording and continue to collect payment using the payment details we have for you. You must read the important information contained in this email and the attached documents Your Hiscox Insurance Premium breakdown The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). The amount shown as last year’s Annual premium will take into account any changes to the cover which may have been made during the last policy period. Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) Professional indemnity £6,419.02 £6,419.02 Legal protection £1,863.09 £1,863.09 Crisis containment £6,421.05 Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government increase in Insurance Premium Tax as shown. Is our information correct? Your premium and cover are based on what you’ve told us about Knowles, Thorpe and Smith , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover Policy summary for each cover ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before 2023-03-13 . We’re here between 8:30am - 5:30pm Monday to Friday . Please note that we can only discuss policy changes with people named on the policy. Why renew with Hiscox - Reassuring: we offer a range of cover options that can be tailored to your needs - Flexible: we offer full flexibility to change your policy, with no administration fees - Award-winning cover : we’ve been named Best Small Business Insurer 7 years running by Start Your Business Magazine Please click this link for the Hiscox Referral Portal: https://refer.aklamio.com/hiscox/uk?source=postpurchase Thank you again for choosing Hiscox to insure your business. We hope you and your business have a very successful year. Kind regards Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 2023-03-13 . Good news; if you want cover to continue with us and to make sure you stay protected by our award-winning cover, you do not need to do anything. We will update your policy onto our latest wording and continue to collect payment using the payment details we have for you. You must read the important information contained in this email and the attached documents Your Hiscox Insurance Premium breakdown The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). The amount shown as last year’s Annual premium will take into account any changes to the cover which may have been made during the last policy period. Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) Professional indemnity £6,419.02 £6,419.02 Legal protection £1,863.09 £1,863.09 Crisis containment £6,421.05 Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government increase in Insurance Premium Tax as shown. Is our information correct? Your premium and cover are based on what you’ve told us about Knowles, Thorpe and Smith , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover Policy summary for each cover ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before 2023-03-13 . We’re here between 8:30am - 5:30pm Monday to Friday . Please note that we can only discuss policy changes with people named on the policy. Why renew with Hiscox - Reassuring: we offer a range of cover options that can be tailored to your needs - Flexible: we offer full flexibility to change your policy, with no administration fees - Award-winning cover : we’ve been named Best Small Business Insurer 7 years running by Start Your Business Magazine Please click this link for the Hiscox Referral Portal: https://refer.aklamio.com/hiscox/uk?source=postpurchase Thank you again for choosing Hiscox to insure your business. We hope you and your business have a very successful year. Kind regards Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Your Hiscox Insurance Premium breakdown The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). Cover Professional indemnity Legal protection Crisis containment . Last year’s annual premium (exc IPT) £6,419.02 £1,863.09 £6,421.05 . This year’s annual Premium (exc IPT) £6,419.02 £1,863.09 . Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) . Professional indemnity £6,419.02 £6,419.02 . Legal protection £1,863.09 £1,863.09 . Crisis containment £6,421.05 . Kind regards Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre . Kind regards . Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave . To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre . Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Page / 1 Hiscox Business Insurance Policy wording 17431a - DC565 WORDING 04/17Guide to sectionsIntroduction Policy wordings General terms and conditions Professional indemnity for business management consultants Legal protection Crisis containment Hiscox Business Insurance Policy wording 17431a - DC565 WORDING 04/17IntroductionThank you for choosing Hiscox to protect your business. We hope that the language and layout of this policy wording are clear because we want you to understand the insurance we provide as well as the responsibilities we have to each other. Please read this document, including the policy schedule, policy summary and statement of fact, and let us know as soon as possible if any of the details are shown incorrectly. We always try to deliver to the highest standards of service. Your views are important to us, so if you feel that our service is below the standard you would expect from Hiscox, please contact us on the phone number shown in your policy schedule. Please note that some of the words we use in this insurance are shown in bold type. These words are defined in each section of the wording. Page / 1 Hiscox Insurance Payment schedule Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Thank you for continuing to pay for your policy by Direct Debit. Please check these details and let us know if anything is incorrect or if the schedule is not suitable. Your reference details Account holder name: Jay Harris Frequency of collection: Annual Sort code: %BANK_SORT_CODE_1% Account number: %BANK_ACCOUNT_NUMBER_1% Your Direct Debit schedule We will take payments on the dates outlined below: Date Amount Thu 17 March, 2022 £8,548.12 Where your chosen collection date falls ona non-working day then we will endeavour to collect the next working day. For your information, the collections will be made using the following reference number: Originator Identification Number: 293461 Reference Number: 0JYZQIEXGRV-ZTVJL8 If you have any questions about your policy or payments, please call us on 0800 280 0351. We’re here between 8:30am - 5:30pm Monday to Friday or you can email us at service@hiscox.co.uk. Using your personal information Hiscox isa trading name ofa number of Hiscox companies. The specific company acting asa data controller of your personal information will be listed in the documentation we provide to you. If you are unsure you can also contact us at anytime by telephoning 01904 681198 or by emailing us at dataprotectionofficer@hiscox.com. We collect and process information about you in order to provide insurance policies and to process claims. Your information is also used for business purposes such as fraud prevention and detection and financial management. This may involve sharing your information with, and obtaining information about you from, our group companies and third parties such as brokers, loss adjusters, credit reference agencies, service providers, professional advisors, our regulators or fraud prevention agencies. We may record telephone calls to help us monitor and improve the service we provide. For further information on how your information is used and your rights in relation to your information please see our privacy policy at www.hiscox.co.uk/cookies-privacy. The Direct Debit Guarantee This Guarantee is offered by all banks and building societies that accept instructions to pay Direct Debits. If there are any changes to the amount, date or frequency of your Direct Debit Hiscox Underwriting Ltd will notify you ten working days in advance of your account being debited or as otherwise agreed. If you request Hiscox Underwriting Ltd to collect a payment, confirmation of the amount and date will be given to you at the time of the request. If an error is made in the payment of your Direct Debit by Hiscox Underwriting Ltd or your bank or building society you are entitled to a full and immediate refund of the amount paid from your bank or building society. – If you receive a refund you are not entitled to, you must pay it back when Hiscox Underwriting Ltd asks you to. You can cancel a Direct Debit at anytime by simply contacting your bank or building society. Written confirmation maybe required. Please also notify us. Page / 1 Hiscox Business Insurance Policy summary JAC-PSC-UK-DC556(5.4) 17431b 07/20 Your Hiscox Business Insurance policy summaries This document contains the summaries for any policy covers you have selected to protect your business. These summaries outline the key information about your policies so you can be confident that you have understood what you have bought and what you are covered for. However, you should carefully read your policy in full and ensure that you understand its terms and conditions in full. If you have any queries, you should contact Hiscox or your insurance advisor. Your side of the bargain Remember, your premium and insurance are based on the details you have provided to us. Please make sure this information accurately reflects your business and that you inform us immediately if anything needs to change. Please also tell us of any changes in circumstances that may affect the services provided by us or the cover provided by your policy. This is particularly important before taking out a policy, but it also applies throughout the life of the policy too. You need to consider: ■if you fail to fairly present the risk to us, including by failing to disclose any information material to the insurance, you could invalidate the policy, claims may not be paid or the amount we pay maybe reduced; ■you should read and check all insurance documents to ensure that you are aware of the cover, limits and other terms that apply; ■if you fail to let us know of any changes to your circumstances during the period of insurance or, if when telling us about such changes you fail to present the risk to us fairly, you could invalidate the policy, claims may not be paid or the amount we pay maybe reduced; ■please be aware of all terms and conditions of your policy because failure to comply with them could invalidate it or result in us not paying a claim or reducing the amount we pay; ■in the event ofa claim, you should take note of the required procedures, such as giving Hiscox prompt notice of the claims, as stated in the policy documentation. In particular, if you fail to notify us when you first become aware ofa shortcoming, fact, or problem, admit you are liable for what has happened or appoint solicitors or other legal representation without our prior written approval, claims or defence costs may not be paid or the amount we pay maybe reduced; ■as with any insurance, you have an obligation to take reasonable steps to mitigate any loss or liability; ■if you make a fraudulent claim or try to deceive us, we may terminate the policy. Policy length The period of insurance is shown on your policy schedule. Your policy schedule will also show if the policy is ona continuing cover basis. If itis ona continuing cover basis, we will renew your policy each year for another 12 months and continue to take payment (including any premium adjustment shown in your renewal invitation) using your existing arrangement, unless you tell us otherwise or if your risk changes. If your policy schedule does not show that the policy is ona continuing cover basis, cover will cease at the end of the period of insurance, unless you renew your policy with us. We will provide you witha statement of fact each year and provided that the information contained within the statement of fact is true, complete and accurate, you do not need to provide us with any further information. If any of the information in your statement of fact is not true, complete and accurate, you must let us know. If you do not let us know, it may affect the validity of the policy or our ability to pay a claim. Retroactive dates, geographical and jurisdiction limits Where any section of your policy schedule includes a retroactive date, we will not make any payment for any claim or loss under that section which arises from any activity performed or any act, incident or occurrence taking place, before the retroactive date. Where any section of your policy schedule shows the geographical limits which apply to that section of the policy, we will only pay for claims and losses under that section which arise from activities performed or acts, incidents or occurrences taking place within those geographical limits. Where any section provides cover in respect of your liability to third parties, we will only cover claims first made ina country within the applicable courts stated in that section of your policy schedule. Hiscox Business Insurance Policy summary JAC-PSC-UK-DC556(5.4) 17431b 07/20 Cancellation rights You can cancel this policy by giving us 30 days' notice. You will only be charged for the premiums due up to the date of cancellation. If we need to cancel the policy, we’ll give you 30 days’ notice in writing and refund any surplus premiums you might have paid. Please note – we may deduct an administration fee from any refunded payment.There is an exception to our 30-day notice period, which is triggered when we don’t receive your Direct Debit payments within the agreed 14-day period. At this point, we will contact you as soon as possible and stop the policyPage / 2 immediately. Underwritten by:Hiscox Underwriting Ltd on behalf of the insurers named in the schedule. Page / 1 Certificate of professional indemnity insurance Knowles, Thorpe 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:0JYZQIEXGRV-ZTVJL8 Name of policy holder:Knowles, Thorpe and Smith Period of insurance: From 2023-03-13 to 28 April, 2021 both days inclusive. This policy isa Continuing cover policy Insurer: Hiscox Insurance Company Limited Retroactive date: Monday 26 December, 2022 Level of cover:£1,000,000 Signed on behalf of Hiscox Underwriting Limited as agent for the insurers Jon Dye CEO, Hiscox UK Notes: (a) This insurance is subject to policy terms and conditions and any special terms notified to the InsuredPage / 1 Hiscox Business Insurance Policy Schedule 14502 10/18 This schedule tells you what is insured with us. It should be read carefully with your policy wording(s) and statement of fact detailed elsewhere in this document. Schedule effective date: 2023-03-13 Insurance details Policy number: 0JYZQIEXGRV-ZTVJL8 Period of insurance: From 2023-03-13 to 28 April, 2021 both days inclusive. This policy isa Continuing cover policy. Insured: Knowles, Thorpe and Smith Address: 939 Gemma drive Rhyston FARNHAM S0 6RE Additional insureds: None Business: Management Consultants Premium details Charged premium – the total amount you’ll pay for this policy. Charged premium: £7,355.88 Insurance Premium Tax (IPT): £8,474.20 Total charged premium: £8,548.12 Annualised premium – the annual premium for this policy. This is given for comparison purposes. Please refer to the charged premium section for the amount you’ll pay for the policy. Annual premium: £7,355.88 Insurance Premium Tax (IPT): £8,474.20 Annual total: £8,548.12 Please note that there will be no refund or additional premium for any transaction which is less than £20 (excluding IPT). Hiscox Business Insurance Policy Schedule 14502 10/18 Summary Claims information If you need to make a claim: - For claims relating to your building or contents please contact our claims team on 0800 247 1902, 9.00am – 5:30pm Monday to Friday. If you wish to make a claim online, you can log most claims quickly and easily through our claims notification portal at https://claims.hiscox.co.uk/. Outside of normal business hours, if you require emergency assistance in relation to substantial damage to your property, you can speak to our 24-hour emergency assistance team using the telephone number above. Your policy schedule will state if property cover is included in your policy. Our out-of-hours emergency assistance team operate ona pay-and-claim basis and you will need to have credit card details available as appropriate. The team will then be able to direct you to essential tradesmen, emergency loss adjusters or disaster management companies in the event of substantial damage. - If there isa claim (or potential claim) against you bya third party, please email us at liability.claims@hiscox.com. If you need to speak to a member of the claims team urgently, please call our team on 0800 711 7156, 9.00am – 5:30pm Monday to Friday. If you wish to make a claim online, you can log most claims quickly and easily through our claims notification portal at https://claims.hiscox.co.uk/. You will need to provide your full name and contact details, the name of your business or organisation, your address and postcode, the policy reference and circumstances of the claim. The Important information and contact details section below contains additional information specific to the covers applicable to your policy. If you are unsure of who to contact please call our team on 0800 711 7156, 9.00am – 5:30pm Monday to Friday. They will ensure you get through to the correct claims team and let you know what actions you need to take. If anything happens that might be covered under the policy, you must comply with the obligations set out in General claims conditions, together with the obligations set out under Your obligations in the section or sections under which you are making the claim. Itis important that you read the policy for details of its terms in full. Your covers This isa summary of each section of your policy. See each section for cover details. Cover Insurance amount Excess Annual Premium (exc IPT) Professional indemnity £1,000,000 £1,000 £6,419.02 Legal protection £100,000 £0 £1,863.09 Crisis containment £25,000 - £6,421.05 The figures above are in summary only and are not in addition to the amount insured specified against each cover section below. Hiscox Business Insurance Policy Schedule 14502 10/18 SECTION: PROFESSIONAL INDEMNITY – MANAGEMENT CONSULTANTS Cover start date: 2023-03-13 Limit of indemnity £1,000,000 Limit applies to in the aggregate, including all costs Excess £1,000 Excess applies to each and every claim or loss, including all costs Geographical limits Worldwide Applicable courts Worldwide (excluding United States of America and Canada) Claims brought in USA or Canada Not covered Additional covers (in addition to overall limit of indemnity stated above) Cover Limit of indemnity Limit applies to Court attendance compensation - employees £250 per person, per day Court attendance compensation - directors and partners£500 per person, per day Court attendance compensation: in total £100,000 in the aggregate Special limits (included within not in addition to the overall limit of indemnity stated above) Cover Limit of indemnity Limit applies to Personal dataPage / 2 claims £250,000 in the aggregate, including all costs Business activities Business management consultant Retroactive date Monday 26 December, 2022 Insurer Hiscox Insurance Company LimitedPage / 1 Hiscox Insurance Summary of change Introduction This document has been created to help you understand the key changes to your Hiscox Insurance policy and how they may impact you. Your policy continues to offer professional, tailored insurance to protect you and give you peace of mind that if you need us, you will be supported by our award winning claims team. If you have a query not covered by this document, or if you have any questions or concerns about your policy you should contact us. Frequently asked questions What if my circumstances change during the period of insurance? If your circumstances change during the period of insurance, you only need to let us know if the change means that any of the information in the Statement of Fact is no longer true, complete and accurate. If there are no such changes, you do not need to let us know. If any of the information within the Statement of Fact becomes no longer complete, true or accurate at any point during the period of insurance you must tell us as it may affect the validity of the policy or our ability to pay a claim. Additionally, if your contact details change then you should let us know straightaway. Where doI find the limits that apply to my policy? You can find your maximum allowable limits for turnover and wage rollin your Statement of Fact. You must check this information and tell us or your broker if you expect to exceed the maximum amounts shown. Please note these values may have changed. If there are special limits or special excesses applying to particular covers or types of losses these will be shown in the policy schedule. Please check your policy schedule carefully as they may have changed. My new schedule shows a different premium to last year? What has changed? If an underwriter has reviewed your policy then they may have manually adjusted your premium, for example if you’ve had claims in the last 12 months. Where doI find out about any endorsements on my policy? You will be able to see if an endorsement has been applied or removed by reviewing your Policy Schedule. If you have any queries or concerns, please contact us or your broker if you have one. Hiscox Insurance Summary of change Professional indemnity for business management consultants Summary of change Changes to the cover The following table shows the differences between our new policy wordings (5570 WD- PROF-UK-MAN(7), 15579 WD-PROF-UK-MAN-AG(3)) and our previous wordings (5570 WD-PROF-UK-MAN(6), 15579 WD-PROF-UK-MAN-AG(2)). This isa summary of the changes only. You should refer to the schedule and policy wording for the full description of the cover in place. Area of cover Previous policy New policy Improvement in cover Claims against you Advertising claims. We will pay claims arising from your advertising or branding for defamation or infringement of copyright or moral rights. This does not include claims for passing off, unauthorised use of trademarks or false or misleading advertising. Previously cover was not restricted to defamation or the infringement of copyright or moral rights.Covered Amended Your own lossesChanges to ‘what is covered’ Losses from dishonesty. Your losses arising from the dishonesty of your employees, sub-contractors or outsourcers.Covered Not covered Area of cover Previous policy New policy Improvement in cover Cyber incident. We will not pay claims relating to an actual or possible cyber attack, hacker or social engineering communication. Previously we excluded any virus not specifically targeted at your system.Covered Not covered Computer or digital technology error. We will not pay claims arising from any negligent act, error or omission in the operation or maintenance of computer or digital technology such as development, installation, patching or upgrading.Covered Not coveredChanges to ‘what is not covered’ Infrastructure. We will not pay claims arising from the failure of the service provided by internet, telecommunications, utilities or other infrastructure providers.Covered Not covered Hiscox Insurance Summary of change Personal data. We will not pay claims relating to personal data. We will pay such claims where they arise from your performance ofa business activity and which is not otherwise excluded. Subject to the limit shown in the schedule.Covered Not covered Other important changes Control of defence. Under the previous wording we had a duty to defend you against any covered claim brought against you. We now have the right but not the obligation to take control of the conduct of the claim including the appointment of legal representation. Please refer to the policy wording for full details. SOC-PROF-UK-MAN(1) 21367 01/21	0JYZQIEXGRV-ZTVJL8	(?<=Policy number - )[-\w_\/\.]+?(?= Company name)	2023-03-13	(?<=anniversary of your policy is approaching on )[-\w_\/\. ,]+?(?= \.)	null	null	Business	(?<=time to renew your Hiscox )[-\w_\/\. ]+?(?= Insurance)	2024-02-05
hiscox-business-1	Hiscox Business Insurance - Policy number - I.GPELI Company name: Jenkins PLC It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : I.GPELI. Company name: Jenkins PLC. Your Hiscox Insurance premium. Last year’s annual premium: This year’s annual premium. £ 4,498.29. £ 4,498.29. The premium includes all applicable insurance premium tax (IPT). Dear Mr Adrian Barnes. Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 18 March, 2023 . Good news; if you want cover to continue with us and to make sure you stay protected by our award-winning cover, you do not need to do anything. We will update your policy onto our latest wording and continue to collect payment using the payment details we have for you. You must read the important information contained in this email and the attached documents. Your Hiscox Insurance Premium breakdown. The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). The amount shown as last year’s Annual premium will take into account any changes to the cover which may have been made during the last policy period. Cover. Last year’s annual premium (exc IPT). This year’s annual Premium (exc IPT). Professional indemnity. £8,130.40. £8,130.40. Legal protection. £1,794.62. £1,794.62. Crisis containment. £5,029.83. Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy . Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government 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 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 18 March, 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 : I.GPELI Company name: Jenkins PLC . It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : I.GPELI Company name: Jenkins PLC . Your Hiscox Insurance premium Last year’s annual premium: This year’s annual premium The premium includes all applicable insurance premium tax (IPT). £ 4,498.29 £ 4,498.29 . Your Hiscox Insurance premium . Last year’s annual premium: This year’s annual premium £ 4,498.29 £ 4,498.29 . The premium includes all applicable insurance premium tax (IPT). Dear Mr Adrian Barnes . Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 18 March, 2023 . Good news; if you want cover to continue with us and to make sure you stay protected by our award-winning cover, you do not need to do anything. We will update your policy onto our latest wording and continue to collect payment using the payment details we have for you. You must read the important information contained in this email and the attached documents Your Hiscox Insurance Premium breakdown The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). The amount shown as last year’s Annual premium will take into account any changes to the cover which may have been made during the last policy period. Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) Professional indemnity £8,130.40 £8,130.40 Legal protection £1,794.62 £1,794.62 Crisis containment £5,029.83 Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government 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 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 18 March, 2023 . We’re here between 8:30am - 5:30pm Monday to Friday . Please note that we can only discuss policy changes with people named on the policy. Why renew with Hiscox - Reassuring: we offer a range of cover options that can be tailored to your needs - Flexible: we offer full flexibility to change your policy, with no administration fees - Award-winning cover : we’ve been named Best Small Business Insurer 7 years running by Start Your Business Magazine Please click this link for the Hiscox Referral Portal: https://refer.aklamio.com/hiscox/uk?source=postpurchase Thank you again for choosing Hiscox to insure your business. We hope you and your business have a very successful year. Kind regards Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 18 March, 2023 . Good news; if you want cover to continue with us and to make sure you stay protected by our award-winning cover, you do not need to do anything. We will update your policy onto our latest wording and continue to collect payment using the payment details we have for you. You must read the important information contained in this email and the attached documents Your Hiscox Insurance Premium breakdown The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). The amount shown as last year’s Annual premium will take into account any changes to the cover which may have been made during the last policy period. Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) Professional indemnity £8,130.40 £8,130.40 Legal protection £1,794.62 £1,794.62 Crisis containment £5,029.83 Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government 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 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 18 March, 2023 . We’re here between 8:30am - 5:30pm Monday to Friday . Please note that we can only discuss policy changes with people named on the policy. Why renew with Hiscox - Reassuring: we offer a range of cover options that can be tailored to your needs - Flexible: we offer full flexibility to change your policy, with no administration fees - Award-winning cover : we’ve been named Best Small Business Insurer 7 years running by Start Your Business Magazine Please click this link for the Hiscox Referral Portal: https://refer.aklamio.com/hiscox/uk?source=postpurchase Thank you again for choosing Hiscox to insure your business. We hope you and your business have a very successful year. Kind regards Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Your Hiscox Insurance Premium breakdown The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). Cover Professional indemnity Legal protection Crisis containment . Last year’s annual premium (exc IPT) £8,130.40 £1,794.62 £5,029.83 . This year’s annual Premium (exc IPT) £8,130.40 £1,794.62 . Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) . Professional indemnity £8,130.40 £8,130.40 . Legal protection £1,794.62 £1,794.62 . Crisis containment £5,029.83 . Kind regards Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre . Kind regards . Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave . To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre . Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Page / 1 Hiscox Business Insurance Policy wording 17431a - DC565 WORDING 04/17Guide to sectionsIntroduction Policy wordings General terms and conditions Professional indemnity for business management consultants Legal protection Crisis containment Hiscox Business Insurance Policy wording 17431a - DC565 WORDING 04/17IntroductionThank you for choosing Hiscox to protect your business. We hope that the language and layout of this policy wording are clear because we want you to understand the insurance we provide as well as the responsibilities we have to each other. Please read this document, including the policy schedule, policy summary and statement of fact, and let us know as soon as possible if any of the details are shown incorrectly. We always try to deliver to the highest standards of service. Your views are important to us, so if you feel that our service is below the standard you would expect from Hiscox, please contact us on the phone number shown in your policy schedule. Please note that some of the words we use in this insurance are shown in bold type. These words are defined in each section of the wording. Page / 1 Hiscox Insurance Payment schedule Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Thank you for continuing to pay for your policy by Direct Debit. Please check these details and let us know if anything is incorrect or if the schedule is not suitable. Your reference details Account holder name: Adrian Barnes Frequency of collection: Annual Sort code: %BANK_SORT_CODE_1% Account number: %BANK_ACCOUNT_NUMBER_1% Your Direct Debit schedule We will take payments on the dates outlined below: Date Amount 16/11/2019 £4,498.29 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: I.GPELI If you have any questions about your policy or payments, please call us on 0800 280 0351. We’re here between 8:30am - 5:30pm Monday to Friday or you can email us at service@hiscox.co.uk. Using your personal information Hiscox isa trading name ofa number of Hiscox companies. The specific company acting asa data controller of your personal information will be listed in the documentation we provide to you. If you are unsure you can also contact us at anytime by telephoning 01904 681198 or by emailing us at dataprotectionofficer@hiscox.com. We collect and process information about you in order to provide insurance policies and to process claims. Your information is also used for business purposes such as fraud prevention and detection and financial management. This may involve sharing your information with, and obtaining information about you from, our group companies and third parties such as brokers, loss adjusters, credit reference agencies, service providers, professional advisors, our regulators or fraud prevention agencies. We may record telephone calls to help us monitor and improve the service we provide. For further information on how your information is used and your rights in relation to your information please see our privacy policy at www.hiscox.co.uk/cookies-privacy. The Direct Debit Guarantee This Guarantee is offered by all banks and building societies that accept instructions to pay Direct Debits. If there are any changes to the amount, date or frequency of your Direct Debit Hiscox Underwriting Ltd will notify you ten working days in advance of your account being debited or as otherwise agreed. If you request Hiscox Underwriting Ltd to collect a payment, confirmation of the amount and date will be given to you at the time of the request. If an error is made in the payment of your Direct Debit by Hiscox Underwriting Ltd or your bank or building society you are entitled to a full and immediate refund of the amount paid from your bank or building society. – If you receive a refund you are not entitled to, you must pay it back when Hiscox Underwriting Ltd asks you to. You can cancel a Direct Debit at anytime by simply contacting your bank or building society. Written confirmation maybe required. Please also notify us. Page / 1 Hiscox Business Insurance Policy summary JAC-PSC-UK-DC556(5.4) 17431b 07/20 Your Hiscox Business Insurance policy summaries This document contains the summaries for any policy covers you have selected to protect your business. These summaries outline the key information about your policies so you can be confident that you have understood what you have bought and what you are covered for. However, you should carefully read your policy in full and ensure that you understand its terms and conditions in full. If you have any queries, you should contact Hiscox or your insurance advisor. Your side of the bargain Remember, your premium and insurance are based on the details you have provided to us. Please make sure this information accurately reflects your business and that you inform us immediately if anything needs to change. Please also tell us of any changes in circumstances that may affect the services provided by us or the cover provided by your policy. This is particularly important before taking out a policy, but it also applies throughout the life of the policy too. You need to consider: ■if you fail to fairly present the risk to us, including by failing to disclose any information material to the insurance, you could invalidate the policy, claims may not be paid or the amount we pay maybe reduced; ■you should read and check all insurance documents to ensure that you are aware of the cover, limits and other terms that apply; ■if you fail to let us know of any changes to your circumstances during the period of insurance or, if when telling us about such changes you fail to present the risk to us fairly, you could invalidate the policy, claims may not be paid or the amount we pay maybe reduced; ■please be aware of all terms and conditions of your policy because failure to comply with them could invalidate it or result in us not paying a claim or reducing the amount we pay; ■in the event ofa claim, you should take note of the required procedures, such as giving Hiscox prompt notice of the claims, as stated in the policy documentation. In particular, if you fail to notify us when you first become aware ofa shortcoming, fact, or problem, admit you are liable for what has happened or appoint solicitors or other legal representation without our prior written approval, claims or defence costs may not be paid or the amount we pay maybe reduced; ■as with any insurance, you have an obligation to take reasonable steps to mitigate any loss or liability; ■if you make a fraudulent claim or try to deceive us, we may terminate the policy. Policy length The period of insurance is shown on your policy schedule. Your policy schedule will also show if the policy is ona continuing cover basis. If itis ona continuing cover basis, we will renew your policy each year for another 12 months and continue to take payment (including any premium adjustment shown in your renewal invitation) using your existing arrangement, unless you tell us otherwise or if your risk changes. If your policy schedule does not show that the policy is ona continuing cover basis, cover will cease at the end of the period of insurance, unless you renew your policy with us. We will provide you witha statement of fact each year and provided that the information contained within the statement of fact is true, complete and accurate, you do not need to provide us with any further information. If any of the information in your statement of fact is not true, complete and accurate, you must let us know. If you do not let us know, it may affect the validity of the policy or our ability to pay a claim. Retroactive dates, geographical and jurisdiction limits Where any section of your policy schedule includes a retroactive date, we will not make any payment for any claim or loss under that section which arises from any activity performed or any act, incident or occurrence taking place, before the retroactive date. Where any section of your policy schedule shows the geographical limits which apply to that section of the policy, we will only pay for claims and losses under that section which arise from activities performed or acts, incidents or occurrences taking place within those geographical limits. Where any section provides cover in respect of your liability to third parties, we will only cover claims first made ina country within the applicable courts stated in that section of your policy schedule. Hiscox Business Insurance Policy summary JAC-PSC-UK-DC556(5.4) 17431b 07/20 Cancellation rights You can cancel this policy by giving us 30 days' notice. You will only be charged for the premiums due up to the date of cancellation. If we need to cancel the policy, we’ll give you 30 days’ notice in writing and refund any surplus premiums you might have paid. Please note – we may deduct an administration fee from any refunded payment.There is an exception to our 30-day notice period, which is triggered when we don’t receive your Direct Debit payments within the agreed 14-day period. At this point, we will contact you as soon as possible and stop the 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 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:I.GPELI Name of policy holder:Jenkins PLC Period of insurance: From 18 March, 2023 to Tuesday 20 July, 2021 both days inclusive. This policy isa Continuing cover policy Insurer: Hiscox Insurance Company Limited Retroactive date: 30/12/22 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: 18 March, 2023 Insurance details Policy number: I.GPELI Period of insurance: From 18 March, 2023 to Tuesday 20 July, 2021 both days inclusive. This policy isa Continuing cover policy. Insured: Jenkins PLC Address: 63 Marilyn track Lake Kerry FARNHAM JE00 7AQ Additional insureds: None Business: Management Consultants Premium details Charged premium – the total amount you’ll pay for this policy. Charged premium: £7,622.98 Insurance Premium Tax (IPT): £5,451.63 Total charged premium: £4,498.29 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: £7,622.98 Insurance Premium Tax (IPT): £5,451.63 Annual total: £4,498.29 Please note that there will be no refund or additional premium for any transaction which is less than £20 (excluding IPT). Hiscox Business Insurance Policy Schedule 14502 10/18 Summary Claims information If you need to make a claim: - For claims relating to your building or contents please contact our claims team on 0800 247 1902, 9.00am – 5:30pm Monday to Friday. If you wish to make a claim online, you can log most claims quickly and easily through our claims notification portal at https://claims.hiscox.co.uk/. Outside of normal business hours, if you require emergency assistance in relation to substantial damage to your property, you can speak to our 24-hour emergency assistance team using the telephone number above. Your policy schedule will state if property cover is included in your policy. Our out-of-hours emergency assistance team operate ona pay-and-claim basis and you will need to have credit card details available as appropriate. The team will then be able to direct you to essential tradesmen, emergency loss adjusters or disaster management companies in the event of substantial damage. - If there isa claim (or potential claim) against you bya third party, please email us at liability.claims@hiscox.com. If you need to speak to a member of the claims team urgently, please call our team on 0800 711 7156, 9.00am – 5:30pm Monday to Friday. If you wish to make a claim online, you can log most claims quickly and easily through our claims notification portal at https://claims.hiscox.co.uk/. You will need to provide your full name and contact details, the name of your business or organisation, your address and postcode, the policy reference and circumstances of the claim. The Important information and contact details section below contains additional information specific to the covers applicable to your policy. If you are unsure of who to contact please call our team on 0800 711 7156, 9.00am – 5:30pm Monday to Friday. They will ensure you get through to the correct claims team and let you know what actions you need to take. If anything happens that might be covered under the policy, you must comply with the obligations set out in General claims conditions, together with the obligations set out under Your obligations in the section or sections under which you are making the claim. Itis important that you read the policy for details of its terms in full. Your covers This isa summary of each section of your policy. See each section for cover details. Cover Insurance amount Excess Annual Premium (exc IPT) Professional indemnity £1,000,000 £1,000 £8,130.40 Legal protection £100,000 £0 £1,794.62 Crisis containment £25,000 - £5,029.83 The figures above are in summary only and are not in addition to the 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 March, 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 dataPage / 2 claims £250,000 in the aggregate, including all costs Business activities Business management consultant Retroactive date 30/12/22 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	I.GPELI	(?<=Policy number - )[-\w_\/\.]+?(?= Company name)	18 March, 2023	(?<=anniversary of your policy is approaching on )[-\w_\/\. ,]+?(?= \.)	null	null	Business	(?<=time to renew your Hiscox )[-\w_\/\. ]+?(?= Insurance)	2024-02-05
hiscox-business-1	Hiscox Business Insurance - Policy number - 3QQ/R1LVJF/4HDF6CS45 Company name: Ward-Watts It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : 3QQ/R1LVJF/4HDF6CS45. Company name: Ward-Watts. Your Hiscox Insurance premium. Last year’s annual premium: This year’s annual premium. £ 5,869.79. £ 5,869.79. The premium includes all applicable insurance premium tax (IPT). Dear Mr Kyle Green. Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 01/12/2023 . 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. £2,456.44. £2,456.44. Legal protection. £9,404.37. £9,404.37. Crisis containment. £1,715.95. Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy . Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government 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-Watts , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay. . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover. Policy summary for each cover. ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover . As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before 01/12/2023 . 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 : 3QQ/R1LVJF/4HDF6CS45 Company name: Ward-Watts . It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : 3QQ/R1LVJF/4HDF6CS45 Company name: Ward-Watts . Your Hiscox Insurance premium Last year’s annual premium: This year’s annual premium The premium includes all applicable insurance premium tax (IPT). £ 5,869.79 £ 5,869.79 . Your Hiscox Insurance premium . Last year’s annual premium: This year’s annual premium £ 5,869.79 £ 5,869.79 . The premium includes all applicable insurance premium tax (IPT). Dear Mr Kyle Green . Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 01/12/2023 . 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 £2,456.44 £2,456.44 Legal protection £9,404.37 £9,404.37 Crisis containment £1,715.95 Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government 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-Watts , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover Policy summary for each cover ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before 01/12/2023 . 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 01/12/2023 . 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 £2,456.44 £2,456.44 Legal protection £9,404.37 £9,404.37 Crisis containment £1,715.95 Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government 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-Watts , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover Policy summary for each cover ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before 01/12/2023 . 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) £2,456.44 £9,404.37 £1,715.95 . This year’s annual Premium (exc IPT) £2,456.44 £9,404.37 . Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) . Professional indemnity £2,456.44 £2,456.44 . Legal protection £9,404.37 £9,404.37 . Crisis containment £1,715.95 . Kind regards Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre . Kind regards . Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave . To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre . Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Page / 1 Hiscox Business Insurance Policy wording 17431a - DC565 WORDING 04/17Guide to sectionsIntroduction Policy wordings General terms and conditions Professional indemnity for business management consultants Legal protection Crisis containment Hiscox Business Insurance Policy wording 17431a - DC565 WORDING 04/17IntroductionThank you for choosing Hiscox to protect your business. We hope that the language and layout of this policy wording are clear because we want you to understand the insurance we provide as well as the responsibilities we have to each other. Please read this document, including the policy schedule, policy summary and statement of fact, and let us know as soon as possible if any of the details are shown incorrectly. We always try to deliver to the highest standards of service. Your views are important to us, so if you feel that our service is below the standard you would expect from Hiscox, please contact us on the phone number shown in your policy schedule. Please note that some of the words we use in this insurance are shown in bold type. These words are defined in each section of the wording. Page / 1 Hiscox Insurance Payment schedule Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Thank you for continuing to pay for your policy by Direct Debit. Please check these details and let us know if anything is incorrect or if the schedule is not suitable. Your reference details Account holder name: Kyle 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 2023-12-01 £5,869.79 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: 3QQ/R1LVJF/4HDF6CS45 If you have any questions about your policy or payments, please call us on 0800 280 0351. We’re here between 8:30am - 5:30pm Monday to Friday or you can email us at service@hiscox.co.uk. Using your personal information Hiscox isa trading name ofa number of Hiscox companies. The specific company acting asa data controller of your personal information will be listed in the documentation we provide to you. If you are unsure you can also contact us at anytime by telephoning 01904 681198 or by emailing us at dataprotectionofficer@hiscox.com. We collect and process information about you in order to provide insurance policies and to process claims. Your information is also used for business purposes such as fraud prevention and detection and financial management. This may involve sharing your information with, and obtaining information about you from, our group companies and third parties such as brokers, loss adjusters, credit reference agencies, service providers, professional advisors, our regulators or fraud prevention agencies. We may record telephone calls to help us monitor and improve the service we provide. For further information on how your information is used and your rights in relation to your information please see our privacy policy at www.hiscox.co.uk/cookies-privacy. The Direct Debit Guarantee This Guarantee is offered by all banks and building societies that accept instructions to pay Direct Debits. If there are any changes to the amount, date or frequency of your Direct Debit Hiscox Underwriting Ltd will notify you ten working days in advance of your account being debited or as otherwise agreed. If you request Hiscox Underwriting Ltd to collect a payment, confirmation of the amount and date will be given to you at the time of the request. If an error is made in the payment of your Direct Debit by Hiscox Underwriting Ltd or your bank or building society you are entitled to a full and immediate refund of the amount paid from your bank or building society. – If you receive a refund you are not entitled to, you must pay it back when Hiscox Underwriting Ltd asks you to. You can cancel a Direct Debit at anytime by simply contacting your bank or building society. Written confirmation maybe required. Please also notify us. Page / 1 Hiscox Business Insurance Policy summary JAC-PSC-UK-DC556(5.4) 17431b 07/20 Your Hiscox Business Insurance policy summaries This document contains the summaries for any policy covers you have selected to protect your business. These summaries outline the key information about your policies so you can be confident that you have understood what you have bought and what you are covered for. However, you should carefully read your policy in full and ensure that you understand its terms and conditions in full. If you have any queries, you should contact Hiscox or your insurance advisor. Your side of the bargain Remember, your premium and insurance are based on the details you have provided to us. Please make sure this information accurately reflects your business and that you inform us immediately if anything needs to change. Please also tell us of any changes in circumstances that may affect the services provided by us or the cover provided by your policy. This is particularly important before taking out a policy, but it also applies throughout the life of the policy too. You need to consider: ■if you fail to fairly present the risk to us, including by failing to disclose any information material to the insurance, you could invalidate the policy, claims may not be paid or the amount we pay maybe reduced; ■you should read and check all insurance documents to ensure that you are aware of the cover, limits and other terms that apply; ■if you fail to let us know of any changes to your circumstances during the period of insurance or, if when telling us about such changes you fail to present the risk to us fairly, you could invalidate the policy, claims may not be paid or the amount we pay maybe reduced; ■please be aware of all terms and conditions of your policy because failure to comply with them could invalidate it or result in us not paying a claim or reducing the amount we pay; ■in the event ofa claim, you should take note of the required procedures, such as giving Hiscox prompt notice of the claims, as stated in the policy documentation. In particular, if you fail to notify us when you first become aware ofa shortcoming, fact, or problem, admit you are liable for what has happened or appoint solicitors or other legal representation without our prior written approval, claims or defence costs may not be paid or the amount we pay maybe reduced; ■as with any insurance, you have an obligation to take reasonable steps to mitigate any loss or liability; ■if you make a fraudulent claim or try to deceive us, we may terminate the policy. Policy length The period of insurance is shown on your policy schedule. Your policy schedule will also show if the policy is ona continuing cover basis. If itis ona continuing cover basis, we will renew your policy each year for another 12 months and continue to take payment (including any premium adjustment shown in your renewal invitation) using your existing arrangement, unless you tell us otherwise or if your risk changes. If your policy schedule does not show that the policy is ona continuing cover basis, cover will cease at the end of the period of insurance, unless you renew your policy with us. We will provide you witha statement of fact each year and provided that the information contained within the statement of fact is true, complete and accurate, you do not need to provide us with any further information. If any of the information in your statement of fact is not true, complete and accurate, you must let us know. If you do not let us know, it may affect the validity of the policy or our ability to pay a claim. Retroactive dates, geographical and jurisdiction limits Where any section of your policy schedule includes a retroactive date, we will not make any payment for any claim or loss under that section which arises from any activity performed or any act, incident or occurrence taking place, before the retroactive date. Where any section of your policy schedule shows the geographical limits which apply to that section of the policy, we will only pay for claims and losses under that section which arise from activities performed or acts, incidents or occurrences taking place within those geographical limits. Where any section provides cover in respect of your liability to third parties, we will only cover claims first made ina country within the applicable courts stated in that section of your policy schedule. Hiscox Business Insurance Policy summary JAC-PSC-UK-DC556(5.4) 17431b 07/20 Cancellation rights You can cancel this policy by giving us 30 days' notice. You will only be charged for the premiums due up to the date of cancellation. If we need to cancel the policy, we’ll give you 30 days’ notice in writing and refund any surplus premiums you might have paid. Please note – we may deduct an administration fee from any refunded payment.There is an exception to our 30-day notice period, which is triggered when we don’t receive your Direct Debit payments within the agreed 14-day period. At this point, we will contact you as soon as possible and stop the 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-Watts Hiscox Underwriting Ltd of 1 Great St. Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Certificate of professional indemnity Insurance Policy number:3QQ/R1LVJF/4HDF6CS45 Name of policy holder:Ward-Watts Period of insurance: From 01/12/2023 to 14 April, 2019 both days inclusive. This policy isa Continuing cover policy Insurer: Hiscox Insurance Company Limited Retroactive date: 03/12/23 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: 01/12/2023 Insurance details Policy number: 3QQ/R1LVJF/4HDF6CS45 Period of insurance: From 01/12/2023 to 14 April, 2019 both days inclusive. This policy isa Continuing cover policy. Insured: Ward-Watts Address: Studio 8 Davies stravenue West Marionstad FARNHAM HD4 5WU Additional insureds: None Business: Management Consultants Premium details Charged premium – the total amount you’ll pay for this policy. Charged premium: £8,931.16 Insurance Premium Tax (IPT): £7,828.89 Total charged premium: £5,869.79 Annualised premium – the annual premium for this policy. This is given for comparison purposes. Please refer to the charged premium section for the amount you’ll pay for the policy. Annual premium: £8,931.16 Insurance Premium Tax (IPT): £7,828.89 Annual total: £5,869.79 Please note that there will be no refund or additional premium for any transaction which is less than £20 (excluding IPT). Hiscox Business Insurance Policy Schedule 14502 10/18 Summary Claims information If you need to make a claim: - For claims relating to your building or contents please contact our claims team on 0800 247 1902, 9.00am – 5:30pm Monday to Friday. If you wish to make a claim online, you can log most claims quickly and easily through our claims notification portal at https://claims.hiscox.co.uk/. Outside of normal business hours, if you require emergency assistance in relation to substantial damage to your property, you can speak to our 24-hour emergency assistance team using the telephone number above. Your policy schedule will state if property cover is included in your policy. Our out-of-hours emergency assistance team operate ona pay-and-claim basis and you will need to have credit card details available as appropriate. The team will then be able to direct you to essential tradesmen, emergency loss adjusters or disaster management companies in the event of substantial damage. - If there isa claim (or potential claim) against you bya third party, please email us at liability.claims@hiscox.com. If you need to speak to a member of the claims team urgently, please call our team on 0800 711 7156, 9.00am – 5:30pm Monday to Friday. If you wish to make a claim online, you can log most claims quickly and easily through our claims notification portal at https://claims.hiscox.co.uk/. You will need to provide your full name and contact details, the name of your business or organisation, your address and postcode, the policy reference and circumstances of the claim. The Important information and contact details section below contains additional information specific to the covers applicable to your policy. If you are unsure of who to contact please call our team on 0800 711 7156, 9.00am – 5:30pm Monday to Friday. They will ensure you get through to the correct claims team and let you know what actions you need to take. If anything happens that might be covered under the policy, you must comply with the obligations set out in General claims conditions, together with the obligations set out under Your obligations in the section or sections under which you are making the claim. Itis important that you read the policy for details of its terms in full. Your covers This isa summary of each section of your policy. See each section for cover details. Cover Insurance amount Excess Annual Premium (exc IPT) Professional indemnity £1,000,000 £1,000 £2,456.44 Legal protection £100,000 £0 £9,404.37 Crisis containment £25,000 - £1,715.95 The figures above are in summary only and are not in addition to the amount insured specified against each cover section below. Hiscox Business Insurance Policy Schedule 14502 10/18 SECTION: PROFESSIONAL INDEMNITY – MANAGEMENT CONSULTANTS Cover start date: 01/12/2023 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 dataPage / 2 claims £250,000 in the aggregate, including all costs Business activities Business management consultant Retroactive date 03/12/23 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	3QQ/R1LVJF/4HDF6CS45	(?<=Policy number - )[-\w_\/\.]+?(?= Company name)	01/12/2023	(?<=anniversary of your policy is approaching on )[-\w_\/\. ,]+?(?= \.)	null	null	Business	(?<=time to renew your Hiscox )[-\w_\/\. ]+?(?= Insurance)	2024-02-05
hiscox-business-1	Hiscox Business Insurance - Policy number - BI.WCP--GRXTBGE Company name: Brennan, Wood and Burgess It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : BI.WCP--GRXTBGE. Company name: Brennan, Wood and Burgess. Your Hiscox Insurance premium. Last year’s annual premium: This year’s annual premium. £ 5,366.47. £ 5,366.47. The premium includes all applicable insurance premium tax (IPT). Dear Ms Angela Ward. Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 01 September, 2024 . Good news; if you want cover to continue with us and to make sure you stay protected by our award-winning cover, you do not need to do anything. We will update your policy onto our latest wording and continue to collect payment using the payment details we have for you. You must read the important information contained in this email and the attached documents. Your Hiscox Insurance Premium breakdown. The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). The amount shown as last year’s Annual premium will take into account any changes to the cover which may have been made during the last policy period. Cover. Last year’s annual premium (exc IPT). This year’s annual Premium (exc IPT). Professional indemnity. £681.03. £681.03. Legal protection. £8,745.75. £8,745.75. Crisis containment. £4,625.61. Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy . Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government increase in Insurance Premium Tax as shown. Is our information correct? Your premium and cover are based on what you’ve told us about Brennan, Wood and Burgess , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay. . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover. Policy summary for each cover. ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover . As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, 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 September, 2024 . We’re here between 8:30am - 5:30pm Monday to Friday . Please note that we can only discuss policy changes with people named on the policy. Why renew with Hiscox. - Reassuring: we offer a range of cover options that can be tailored to your needs. - Flexible: we offer full flexibility to change your policy, with no administration fees . - Award-winning cover : we’ve been named Best Small Business Insurer 7 years running by Start Your Business Magazine . Please click this link for the Hiscox Referral Portal: https://refer.aklamio.com/hiscox/uk?source=postpurchase. Thank you again for choosing Hiscox to insure your business. We hope you and your business have a very successful year. Kind regards. Jon Dye. CEO, Hiscox UK. Business Insurance for the small and the brave. To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre. Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. This email and any files transmitted with it are confidential and intended solely for the use of the individual or entity to whom they are addressed. No one else is authorised to distribute, forward, print, copy or act upon any information contained in this email. If you have received this email in error, please notify the sender. Hiscox Syndicates Limited and Hiscox Insurance Company Limited are authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Hiscox Underwriting Limited, Hiscox Underwriting Services Ltd, Hiscox MGA Ltd and Hiscox ASM Ltd are authorised and regulated by the Financial Conduct Authority. Hiscox Assure SAS is duly registered as an insurance broker with the ORIAS, which is the French Official Registry of Insurance Intermediaries. Hiscox plc is a company registered in England and Wales under company registration number 2837811 and registered office at 1 Great St Helen's, London EC3A 6HX. Hiscox SA is a company registered in Luxembourg at 35 Avenue John F. Kennedy 35F, Luxembourg L-1855, and is authorised by the Commissariat aux Assurances de Luxembourg. It’s time to renew your Hiscox Business Insurance Hiscox Insurance policy number : BI.WCP--GRXTBGE Company name: Brennan, Wood and Burgess . It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : BI.WCP--GRXTBGE Company name: Brennan, Wood and Burgess . Your Hiscox Insurance premium Last year’s annual premium: This year’s annual premium The premium includes all applicable insurance premium tax (IPT). £ 5,366.47 £ 5,366.47 . Your Hiscox Insurance premium . Last year’s annual premium: This year’s annual premium £ 5,366.47 £ 5,366.47 . The premium includes all applicable insurance premium tax (IPT). Dear Ms Angela Ward . Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 01 September, 2024 . Good news; if you want cover to continue with us and to make sure you stay protected by our award-winning cover, you do not need to do anything. We will update your policy onto our latest wording and continue to collect payment using the payment details we have for you. You must read the important information contained in this email and the attached documents Your Hiscox Insurance Premium breakdown The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). The amount shown as last year’s Annual premium will take into account any changes to the cover which may have been made during the last policy period. Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) Professional indemnity £681.03 £681.03 Legal protection £8,745.75 £8,745.75 Crisis containment £4,625.61 Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government increase in Insurance Premium Tax as shown. Is our information correct? Your premium and cover are based on what you’ve told us about Brennan, Wood and Burgess , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover Policy summary for each cover ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, 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 September, 2024 . We’re here between 8:30am - 5:30pm Monday to Friday . Please note that we can only discuss policy changes with people named on the policy. Why renew with Hiscox - Reassuring: we offer a range of cover options that can be tailored to your needs - Flexible: we offer full flexibility to change your policy, with no administration fees - Award-winning cover : we’ve been named Best Small Business Insurer 7 years running by Start Your Business Magazine Please click this link for the Hiscox Referral Portal: https://refer.aklamio.com/hiscox/uk?source=postpurchase Thank you again for choosing Hiscox to insure your business. We hope you and your business have a very successful year. Kind regards Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 01 September, 2024 . Good news; if you want cover to continue with us and to make sure you stay protected by our award-winning cover, you do not need to do anything. We will update your policy onto our latest wording and continue to collect payment using the payment details we have for you. You must read the important information contained in this email and the attached documents Your Hiscox Insurance Premium breakdown The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). The amount shown as last year’s Annual premium will take into account any changes to the cover which may have been made during the last policy period. Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) Professional indemnity £681.03 £681.03 Legal protection £8,745.75 £8,745.75 Crisis containment £4,625.61 Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government increase in Insurance Premium Tax as shown. Is our information correct? Your premium and cover are based on what you’ve told us about Brennan, Wood and Burgess , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover Policy summary for each cover ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, 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 September, 2024 . We’re here between 8:30am - 5:30pm Monday to Friday . Please note that we can only discuss policy changes with people named on the policy. Why renew with Hiscox - Reassuring: we offer a range of cover options that can be tailored to your needs - Flexible: we offer full flexibility to change your policy, with no administration fees - Award-winning cover : we’ve been named Best Small Business Insurer 7 years running by Start Your Business Magazine Please click this link for the Hiscox Referral Portal: https://refer.aklamio.com/hiscox/uk?source=postpurchase Thank you again for choosing Hiscox to insure your business. We hope you and your business have a very successful year. Kind regards Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Your Hiscox Insurance Premium breakdown The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). Cover Professional indemnity Legal protection Crisis containment . Last year’s annual premium (exc IPT) £681.03 £8,745.75 £4,625.61 . This year’s annual Premium (exc IPT) £681.03 £8,745.75 . Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) . Professional indemnity £681.03 £681.03 . Legal protection £8,745.75 £8,745.75 . Crisis containment £4,625.61 . Kind regards Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre . Kind regards . Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave . To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre . Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Page / 1 Hiscox Business Insurance Policy wording 17431a - DC565 WORDING 04/17Guide to sectionsIntroduction Policy wordings General terms and conditions Professional indemnity for business management consultants Legal protection Crisis containment Hiscox Business Insurance Policy wording 17431a - DC565 WORDING 04/17IntroductionThank you for choosing Hiscox to protect your business. We hope that the language and layout of this policy wording are clear because we want you to understand the insurance we provide as well as the responsibilities we have to each other. Please read this document, including the policy schedule, policy summary and statement of fact, and let us know as soon as possible if any of the details are shown incorrectly. We always try to deliver to the highest standards of service. Your views are important to us, so if you feel that our service is below the standard you would expect from Hiscox, please contact us on the phone number shown in your policy schedule. Please note that some of the words we use in this insurance are shown in bold type. These words are defined in each section of the wording. Page / 1 Hiscox Insurance Payment schedule Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Thank you for continuing to pay for your policy by Direct Debit. Please check these details and let us know if anything is incorrect or if the schedule is not suitable. Your reference details Account holder name: Angela 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 2025-07-09 £5,366.47 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: BI.WCP--GRXTBGE If you have any questions about your policy or payments, please call us on 0800 280 0351. We’re here between 8:30am - 5:30pm Monday to Friday or you can email us at service@hiscox.co.uk. Using your personal information Hiscox isa trading name ofa number of Hiscox companies. The specific company acting asa data controller of your personal information will be listed in the documentation we provide to you. If you are unsure you can also contact us at anytime by telephoning 01904 681198 or by emailing us at dataprotectionofficer@hiscox.com. We collect and process information about you in order to provide insurance policies and to process claims. Your information is also used for business purposes such as fraud prevention and detection and financial management. This may involve sharing your information with, and obtaining information about you from, our group companies and third parties such as brokers, loss adjusters, credit reference agencies, service providers, professional advisors, our regulators or fraud prevention agencies. We may record telephone calls to help us monitor and improve the service we provide. For further information on how your information is used and your rights in relation to your information please see our privacy policy at www.hiscox.co.uk/cookies-privacy. The Direct Debit Guarantee This Guarantee is offered by all banks and building societies that accept instructions to pay Direct Debits. If there are any changes to the amount, date or frequency of your Direct Debit Hiscox Underwriting Ltd will notify you ten working days in advance of your account being debited or as otherwise agreed. If you request Hiscox Underwriting Ltd to collect a payment, confirmation of the amount and date will be given to you at the time of the request. If an error is made in the payment of your Direct Debit by Hiscox Underwriting Ltd or your bank or building society you are entitled to a full and immediate refund of the amount paid from your bank or building society. – If you receive a refund you are not entitled to, you must pay it back when Hiscox Underwriting Ltd asks you to. You can cancel a Direct Debit at anytime by simply contacting your bank or building society. Written confirmation maybe required. Please also notify us. Page / 1 Hiscox Business Insurance Policy summary JAC-PSC-UK-DC556(5.4) 17431b 07/20 Your Hiscox Business Insurance policy summaries This document contains the summaries for any policy covers you have selected to protect your business. These summaries outline the key information about your policies so you can be confident that you have understood what you have bought and what you are covered for. However, you should carefully read your policy in full and ensure that you understand its terms and conditions in full. If you have any queries, you should contact Hiscox or your insurance advisor. Your side of the bargain Remember, your premium and insurance are based on the details you have provided to us. Please make sure this information accurately reflects your business and that you inform us immediately if anything needs to change. Please also tell us of any changes in circumstances that may affect the services provided by us or the cover provided by your policy. This is particularly important before taking out a policy, but it also applies throughout the life of the policy too. You need to consider: ■if you fail to fairly present the risk to us, including by failing to disclose any information material to the insurance, you could invalidate the policy, claims may not be paid or the amount we pay maybe reduced; ■you should read and check all insurance documents to ensure that you are aware of the cover, limits and other terms that apply; ■if you fail to let us know of any changes to your circumstances during the period of insurance or, if when telling us about such changes you fail to present the risk to us fairly, you could invalidate the policy, claims may not be paid or the amount we pay maybe reduced; ■please be aware of all terms and conditions of your policy because failure to comply with them could invalidate it or result in us not paying a claim or reducing the amount we pay; ■in the event ofa claim, you should take note of the required procedures, such as giving Hiscox prompt notice of the claims, as stated in the policy documentation. In particular, if you fail to notify us when you first become aware ofa shortcoming, fact, or problem, admit you are liable for what has happened or appoint solicitors or other legal representation without our prior written approval, claims or defence costs may not be paid or the amount we pay maybe reduced; ■as with any insurance, you have an obligation to take reasonable steps to mitigate any loss or liability; ■if you make a fraudulent claim or try to deceive us, we may terminate the policy. Policy length The period of insurance is shown on your policy schedule. Your policy schedule will also show if the policy is ona continuing cover basis. If itis ona continuing cover basis, we will renew your policy each year for another 12 months and continue to take payment (including any premium adjustment shown in your renewal invitation) using your existing arrangement, unless you tell us otherwise or if your risk changes. If your policy schedule does not show that the policy is ona continuing cover basis, cover will cease at the end of the period of insurance, unless you renew your policy with us. We will provide you witha statement of fact each year and provided that the information contained within the statement of fact is true, complete and accurate, you do not need to provide us with any further information. If any of the information in your statement of fact is not true, complete and accurate, you must let us know. If you do not let us know, it may affect the validity of the policy or our ability to pay a claim. Retroactive dates, geographical and jurisdiction limits Where any section of your policy schedule includes a retroactive date, we will not make any payment for any claim or loss under that section which arises from any activity performed or any act, incident or occurrence taking place, before the retroactive date. Where any section of your policy schedule shows the geographical limits which apply to that section of the policy, we will only pay for claims and losses under that section which arise from activities performed or acts, incidents or occurrences taking place within those geographical limits. Where any section provides cover in respect of your liability to third parties, we will only cover claims first made ina country within the applicable courts stated in that section of your policy schedule. Hiscox Business Insurance Policy summary JAC-PSC-UK-DC556(5.4) 17431b 07/20 Cancellation rights You can cancel this policy by giving us 30 days' notice. You will only be charged for the premiums due up to the date of cancellation. If we need to cancel the policy, we’ll give you 30 days’ notice in writing and refund any surplus premiums you might have paid. Please note – we may deduct an administration fee from any refunded payment.There is an exception to our 30-day notice period, which is triggered when we don’t receive your Direct Debit payments within the agreed 14-day period. At this point, we will contact you as soon as possible and stop the policyPage / 2 immediately. Underwritten by:Hiscox Underwriting Ltd on behalf of the insurers named in the schedule. Page / 1 Certificate of professional indemnity insurance Brennan, Wood and Burgess Hiscox Underwriting Ltd of 1 Great St. Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Certificate of professional indemnity Insurance Policy number:BI.WCP--GRXTBGE Name of policy holder:Brennan, Wood and Burgess Period of insurance: From 01 September, 2024 to Saturday 26 September, 2020 both days inclusive. This policy isa Continuing cover policy Insurer: Hiscox Insurance Company Limited Retroactive date: 29/05/2024 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: 01 September, 2024 Insurance details Policy number: BI.WCP--GRXTBGE Period of insurance: From 01 September, 2024 to Saturday 26 September, 2020 both days inclusive. This policy isa Continuing cover policy. Insured: Brennan, Wood and Burgess Address: 8 Anderson stravenue Leeside FARNHAM EC8W 9NE Additional insureds: None Business: Management Consultants Premium details Charged premium – the total amount you’ll pay for this policy. Charged premium: £9,731.37 Insurance Premium Tax (IPT): £2,086.73 Total charged premium: £5,366.47 Annualised premium – the annual premium for this policy. This is given for comparison purposes. Please refer to the charged premium section for the amount you’ll pay for the policy. Annual premium: £9,731.37 Insurance Premium Tax (IPT): £2,086.73 Annual total: £5,366.47 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 £681.03 Legal protection £100,000 £0 £8,745.75 Crisis containment £25,000 - £4,625.61 The figures above are in summary only and are not in addition to the 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 September, 2024 Limit of indemnity £1,000,000 Limit applies to in the aggregate, including all costs Excess £1,000 Excess applies to each and every claim or loss, including all costs Geographical limits Worldwide Applicable courts Worldwide (excluding United States of America and Canada) Claims brought in USA or Canada Not covered Additional covers (in addition to overall limit of indemnity stated above) Cover Limit of indemnity Limit applies to Court attendance compensation - employees £250 per person, per day Court attendance compensation - directors and partners£500 per person, per day Court attendance compensation: in total £100,000 in the aggregate Special limits (included within not in addition to the overall limit of indemnity stated above) Cover Limit of indemnity Limit applies to Personal dataPage / 2 claims £250,000 in the aggregate, including all costs Business activities Business management consultant Retroactive date 29/05/2024 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	BI.WCP--GRXTBGE	(?<=Policy number - )[-\w_\/\.]+?(?= Company name)	01 September, 2024	(?<=anniversary of your policy is approaching on )[-\w_\/\. ,]+?(?= \.)	null	null	Business	(?<=time to renew your Hiscox )[-\w_\/\. ]+?(?= Insurance)	2024-02-05
hiscox-business-1	Hiscox Business Insurance - Policy number - EACMHP-C Company name: Archer-Clarke It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : EACMHP-C. Company name: Archer-Clarke. Your Hiscox Insurance premium. Last year’s annual premium: This year’s annual premium. £ 4,748.59. £ 4,748.59. The premium includes all applicable insurance premium tax (IPT). Dear Mr Mr Shane Haynes. Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 25/12/22 . Good news; if you want cover to continue with us and to make sure you stay protected by our award-winning cover, you do not need to do anything. We will update your policy onto our latest wording and continue to collect payment using the payment details we have for you. You must read the important information contained in this email and the attached documents. Your Hiscox Insurance Premium breakdown. The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). The amount shown as last year’s Annual premium will take into account any changes to the cover which may have been made during the last policy period. Cover. Last year’s annual premium (exc IPT). This year’s annual Premium (exc IPT). Professional indemnity. £9,590.78. £9,590.78. Legal protection. £7,222.87. £7,222.87. Crisis containment. £3,709.10. Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy . Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government 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-Clarke , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay. . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover. Policy summary for each cover. ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover . As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before 25/12/22 . 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 : EACMHP-C Company name: Archer-Clarke . It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : EACMHP-C Company name: Archer-Clarke . Your Hiscox Insurance premium Last year’s annual premium: This year’s annual premium The premium includes all applicable insurance premium tax (IPT). £ 4,748.59 £ 4,748.59 . Your Hiscox Insurance premium . Last year’s annual premium: This year’s annual premium £ 4,748.59 £ 4,748.59 . The premium includes all applicable insurance premium tax (IPT). Dear Mr Mr Shane Haynes . Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 25/12/22 . Good news; if you want cover to continue with us and to make sure you stay protected by our award-winning cover, you do not need to do anything. We will update your policy onto our latest wording and continue to collect payment using the payment details we have for you. You must read the important information contained in this email and the attached documents Your Hiscox Insurance Premium breakdown The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). The amount shown as last year’s Annual premium will take into account any changes to the cover which may have been made during the last policy period. Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) Professional indemnity £9,590.78 £9,590.78 Legal protection £7,222.87 £7,222.87 Crisis containment £3,709.10 Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government 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-Clarke , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover Policy summary for each cover ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before 25/12/22 . 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 25/12/22 . Good news; if you want cover to continue with us and to make sure you stay protected by our award-winning cover, you do not need to do anything. We will update your policy onto our latest wording and continue to collect payment using the payment details we have for you. You must read the important information contained in this email and the attached documents Your Hiscox Insurance Premium breakdown The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). The amount shown as last year’s Annual premium will take into account any changes to the cover which may have been made during the last policy period. Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) Professional indemnity £9,590.78 £9,590.78 Legal protection £7,222.87 £7,222.87 Crisis containment £3,709.10 Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government 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-Clarke , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover Policy summary for each cover ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before 25/12/22 . 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) £9,590.78 £7,222.87 £3,709.10 . This year’s annual Premium (exc IPT) £9,590.78 £7,222.87 . Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) . Professional indemnity £9,590.78 £9,590.78 . Legal protection £7,222.87 £7,222.87 . Crisis containment £3,709.10 . Kind regards Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre . Kind regards . Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave . To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre . Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Page / 1 Hiscox Business Insurance Policy wording 17431a - DC565 WORDING 04/17Guide to sectionsIntroduction Policy wordings General terms and conditions Professional indemnity for business management consultants Legal protection Crisis containment Hiscox Business Insurance Policy wording 17431a - DC565 WORDING 04/17IntroductionThank you for choosing Hiscox to protect your business. We hope that the language and layout of this policy wording are clear because we want you to understand the insurance we provide as well as the responsibilities we have to each other. Please read this document, including the policy schedule, policy summary and statement of fact, and let us know as soon as possible if any of the details are shown incorrectly. We always try to deliver to the highest standards of service. Your views are important to us, so if you feel that our service is below the standard you would expect from Hiscox, please contact us on the phone number shown in your policy schedule. Please note that some of the words we use in this insurance are shown in bold type. These words are defined in each section of the wording. Page / 1 Hiscox Insurance Payment schedule Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Thank you for continuing to pay for your policy by Direct Debit. Please 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 Shane Haynes Frequency of collection: Annual Sort code: %BANK_SORT_CODE_1% Account number: %BANK_ACCOUNT_NUMBER_1% Your Direct Debit schedule We will take payments on the dates outlined below: Date Amount 2023-03-19 £4,748.59 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: EACMHP-C If you have any questions about your policy or payments, please call us on 0800 280 0351. We’re here between 8:30am - 5:30pm Monday to Friday or you can email us at service@hiscox.co.uk. Using your personal information Hiscox isa trading name ofa number of Hiscox companies. The specific company acting asa data controller of your personal information will be listed in the documentation we provide to you. If you are unsure you can also contact us at anytime by telephoning 01904 681198 or by emailing us at dataprotectionofficer@hiscox.com. We collect and process information about you in order to provide insurance policies and to process claims. Your information is also used for business purposes such as fraud prevention and detection and financial management. This may involve sharing your information with, and obtaining information about you from, our group companies and third parties such as brokers, loss adjusters, credit reference agencies, service providers, professional advisors, our regulators or fraud prevention agencies. We may record telephone calls to help us monitor and improve the service we provide. For further information on how your information is used and your rights in relation to your information please see our privacy policy at www.hiscox.co.uk/cookies-privacy. The Direct Debit Guarantee This Guarantee is offered by all banks and building societies that accept instructions to pay Direct Debits. If there are any changes to the amount, date or frequency of your Direct Debit Hiscox Underwriting Ltd will notify you ten working days in advance of your account being debited or as otherwise agreed. If you request Hiscox Underwriting Ltd to collect a payment, confirmation of the amount and date will be given to you at the time of the request. If an error is made in the payment of your Direct Debit by Hiscox Underwriting Ltd or your bank or building society you are entitled to a full and immediate refund of the amount paid from your bank or building society. – If you receive a refund you are not entitled to, you must pay it back when Hiscox Underwriting Ltd asks you to. You can cancel a Direct Debit at anytime by simply contacting your bank or building society. Written confirmation maybe required. Please also notify us. Page / 1 Hiscox Business Insurance Policy summary JAC-PSC-UK-DC556(5.4) 17431b 07/20 Your Hiscox Business Insurance policy summaries This document contains the summaries for any policy covers you have selected to protect your business. These summaries outline the key information about your policies so you can be confident that you have understood what you have bought and what you are covered for. However, you should carefully read your policy in full and ensure that you understand its terms and conditions in full. If you have any queries, you should contact Hiscox or your insurance advisor. Your side of the bargain Remember, your premium and insurance are based on the details you have provided to us. Please make sure this information accurately reflects your business and that you inform us immediately if anything needs to change. Please also tell us of any changes in circumstances that may affect the services provided by us or the cover provided by your policy. This is particularly important before taking out a policy, but it also applies throughout the life of the policy too. You need to consider: ■if you fail to fairly present the risk to us, including by failing to disclose any information material to the insurance, you could invalidate the policy, claims may not be paid or the amount we pay maybe reduced; ■you should read and check all insurance documents to ensure that you are aware of the cover, limits and other terms that apply; ■if you fail to let us know of any changes to your circumstances during the period of insurance or, if when telling us about such changes you fail to present the risk to us fairly, you could invalidate the policy, claims may not be paid or the amount we pay maybe reduced; ■please be aware of all terms and conditions of your policy because failure to comply with them could invalidate it or result in us not paying a claim or reducing the amount we pay; ■in the event ofa claim, you should take note of the required procedures, such as giving Hiscox prompt notice of the claims, as stated in the policy documentation. In particular, if you fail to notify us when you first become aware ofa shortcoming, fact, or problem, admit you are liable for what has happened or appoint solicitors or other legal representation without our prior written approval, claims or defence costs may not be paid or the amount we pay maybe reduced; ■as with any insurance, you have an obligation to take reasonable steps to mitigate any loss or liability; ■if you make a fraudulent claim or try to deceive us, we may terminate the policy. Policy length The period of insurance is shown on your policy schedule. Your policy schedule will also show if the policy is ona continuing cover basis. If itis ona continuing cover basis, we will renew your policy each year for another 12 months and continue to take payment (including any premium adjustment shown in your renewal invitation) using your existing arrangement, unless you tell us otherwise or if your risk changes. If your policy schedule does not show that the policy is ona continuing cover basis, cover will cease at the end of the period of insurance, unless you renew your policy with us. We will provide you witha statement of fact each year and provided that the information contained within the statement of fact is true, complete and accurate, you do not need to provide us with any further information. If any of the information in your statement of fact is not true, complete and accurate, you must let us know. If you do not let us know, it may affect the validity of the policy or our ability to pay a claim. Retroactive dates, geographical and jurisdiction limits Where any section of your policy schedule includes a retroactive date, we will not make any payment for any claim or loss under that section which arises from any activity performed or any act, incident or occurrence taking place, before the retroactive date. Where any section of your policy schedule shows the geographical limits which apply to that section of the policy, we will only pay for claims and losses under that section which arise from activities performed or acts, incidents or occurrences taking place within those geographical limits. Where any section provides cover in respect of your liability to third parties, we will only cover claims first made ina country within the applicable courts stated in that section of your policy schedule. Hiscox Business Insurance Policy summary JAC-PSC-UK-DC556(5.4) 17431b 07/20 Cancellation rights You can cancel this policy by giving us 30 days' notice. You will only be charged for the premiums due up to the date of cancellation. If we need to cancel the policy, we’ll give you 30 days’ notice in writing and refund any surplus premiums you might have paid. Please note – we may deduct an administration fee from any refunded payment.There is an exception to our 30-day notice period, which is triggered when we don’t receive your Direct Debit payments within the agreed 14-day period. At this point, we will contact you as soon as possible and stop the 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-Clarke Hiscox Underwriting Ltd of 1 Great St. Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Certificate of professional indemnity Insurance Policy number:EACMHP-C Name of policy holder:Archer-Clarke Period of insurance: From 25/12/22 to 29 May, 2025 both days inclusive. This policy isa Continuing cover policy Insurer: Hiscox Insurance Company Limited Retroactive date: Sat 21 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: 25/12/22 Insurance details Policy number: EACMHP-C Period of insurance: From 25/12/22 to 29 May, 2025 both days inclusive. This policy isa Continuing cover policy. Insured: Archer-Clarke Address: 9 Harry knoll Russellshire FARNHAM E89 2BH Additional insureds: None Business: Management Consultants Premium details Charged premium – the total amount you’ll pay for this policy. Charged premium: £6,148.56 Insurance Premium Tax (IPT): £6,326.07 Total charged premium: £4,748.59 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: £6,148.56 Insurance Premium Tax (IPT): £6,326.07 Annual total: £4,748.59 Please note that there will be no refund or additional premium for any transaction which is less than £20 (excluding IPT). Hiscox Business Insurance Policy Schedule 14502 10/18 Summary Claims information If you need to make a claim: - For claims relating to your building or contents please contact our claims team on 0800 247 1902, 9.00am – 5:30pm Monday to Friday. If you wish to make a claim online, you can log most claims quickly and easily through our claims notification portal at https://claims.hiscox.co.uk/. Outside of normal business hours, if you require emergency assistance in relation to substantial damage to your property, you can speak to our 24-hour emergency assistance team using the telephone number above. Your policy schedule will state if property cover is included in your policy. Our out-of-hours emergency assistance team operate ona pay-and-claim basis and you will need to have credit card details available as appropriate. The team will then be able to direct you to essential tradesmen, emergency loss adjusters or disaster management companies in the event of substantial damage. - If there isa claim (or potential claim) against you bya third party, please email us at liability.claims@hiscox.com. If you need to speak to a member of the claims team urgently, please call our team on 0800 711 7156, 9.00am – 5:30pm Monday to Friday. If you wish to make a claim online, you can log most claims quickly and easily through our claims notification portal at https://claims.hiscox.co.uk/. You will need to provide your full name and contact details, the name of your business or organisation, your address and postcode, the policy reference and circumstances of the claim. The Important information and contact details section below contains additional information specific to the covers applicable to your policy. If you are unsure of who to contact please call our team on 0800 711 7156, 9.00am – 5:30pm Monday to Friday. They will ensure you get through to the correct claims team and let you know what actions you need to take. If anything happens that might be covered under the policy, you must comply with the obligations set out in General claims conditions, together with the obligations set out under Your obligations in the section or sections under which you are making the claim. Itis important that you read the policy for details of its terms in full. Your covers This isa summary of each section of your policy. See each section for cover details. Cover Insurance amount Excess Annual Premium (exc IPT) Professional indemnity £1,000,000 £1,000 £9,590.78 Legal protection £100,000 £0 £7,222.87 Crisis containment £25,000 - £3,709.10 The figures above are in summary only and are not in addition to the amount insured specified against each cover section below. Hiscox Business Insurance Policy Schedule 14502 10/18 SECTION: PROFESSIONAL INDEMNITY – MANAGEMENT CONSULTANTS Cover start date: 25/12/22 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 dataPage / 2 claims £250,000 in the aggregate, including all costs Business activities Business management consultant Retroactive date Sat 21 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	EACMHP-C	(?<=Policy number - )[-\w_\/\.]+?(?= Company name)	25/12/22	(?<=anniversary of your policy is approaching on )[-\w_\/\. ,]+?(?= \.)	null	null	Business	(?<=time to renew your Hiscox )[-\w_\/\. ]+?(?= Insurance)	2024-02-05
hiscox-business-1	Hiscox Business Insurance - Policy number - 5QVT238/0V65YK56UZZ6 Company name: Smith Ltd It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : 5QVT238/0V65YK56UZZ6. Company name: Smith Ltd. Your Hiscox Insurance premium. Last year’s annual premium: This year’s annual premium. £ 877.14. £ 877.14. The premium includes all applicable insurance premium tax (IPT). Dear Mrs Dr Katy Owen. Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on Sat 27 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. £7,441.58. £7,441.58. Legal protection. £1,912.41. £1,912.41. Crisis containment. £6,624.30. Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy . Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government 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 Sat 27 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 : 5QVT238/0V65YK56UZZ6 Company name: Smith Ltd . It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : 5QVT238/0V65YK56UZZ6 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). £ 877.14 £ 877.14 . Your Hiscox Insurance premium . Last year’s annual premium: This year’s annual premium £ 877.14 £ 877.14 . The premium includes all applicable insurance premium tax (IPT). Dear Mrs Dr Katy Owen . Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on Sat 27 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 £7,441.58 £7,441.58 Legal protection £1,912.41 £1,912.41 Crisis containment £6,624.30 Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government 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 Sat 27 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 Sat 27 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 £7,441.58 £7,441.58 Legal protection £1,912.41 £1,912.41 Crisis containment £6,624.30 Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government 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 Sat 27 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) £7,441.58 £1,912.41 £6,624.30 . This year’s annual Premium (exc IPT) £7,441.58 £1,912.41 . Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) . Professional indemnity £7,441.58 £7,441.58 . Legal protection £1,912.41 £1,912.41 . Crisis containment £6,624.30 . Kind regards Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre . Kind regards . Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave . To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre . Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Page / 1 Hiscox Business Insurance Policy wording 17431a - DC565 WORDING 04/17Guide to sectionsIntroduction Policy wordings General terms and conditions Professional indemnity for business management consultants Legal protection Crisis containment Hiscox Business Insurance Policy wording 17431a - DC565 WORDING 04/17IntroductionThank you for choosing Hiscox to protect your business. We hope that the language and layout of this policy wording are clear because we want you to understand the insurance we provide as well as the responsibilities we have to each other. Please read this document, including the policy schedule, policy summary and statement of fact, and let us know as soon as possible if any of the details are shown incorrectly. We always try to deliver to the highest standards of service. Your views are important to us, so if you feel that our service is below the standard you would expect from Hiscox, please contact us on the phone number shown in your policy schedule. Please note that some of the words we use in this insurance are shown in bold type. These words are defined in each section of the wording. Page / 1 Hiscox Insurance Payment schedule Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Thank you for continuing to pay for your policy by Direct Debit. Please 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 Katy Owen Frequency of collection: Annual Sort code: %BANK_SORT_CODE_1% Account number: %BANK_ACCOUNT_NUMBER_1% Your Direct Debit schedule We will take payments on the dates outlined below: Date Amount 27/09/2023 £877.14 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: 5QVT238/0V65YK56UZZ6 If you have any questions about your policy or payments, please call us on 0800 280 0351. We’re here between 8:30am - 5:30pm Monday to Friday or you can email us at service@hiscox.co.uk. Using your personal information Hiscox isa trading name ofa number of Hiscox companies. The specific company acting asa data controller of your personal information will be listed in the documentation we provide to you. If you are unsure you can also contact us at anytime by telephoning 01904 681198 or by emailing us at dataprotectionofficer@hiscox.com. We collect and process information about you in order to provide insurance policies and to process claims. Your information is also used for business purposes such as fraud prevention and detection and financial management. This may involve sharing your information with, and obtaining information about you from, our group companies and third parties such as brokers, loss adjusters, credit reference agencies, service providers, professional advisors, our regulators or fraud prevention agencies. We may record telephone calls to help us monitor and improve the service we provide. For further information on how your information is used and your rights in relation to your information please see our privacy policy at www.hiscox.co.uk/cookies-privacy. The Direct Debit Guarantee This Guarantee is offered by all banks and building societies that accept instructions to pay Direct Debits. If there are any changes to the amount, date or frequency of your Direct Debit Hiscox Underwriting Ltd will notify you ten working days in advance of your account being debited or as otherwise agreed. If you request Hiscox Underwriting Ltd to collect a payment, confirmation of the amount and date will be given to you at the time of the request. If an error is made in the payment of your Direct Debit by Hiscox Underwriting Ltd or your bank or building society you are entitled to a full and immediate refund of the amount paid from your bank or building society. – If you receive a refund you are not entitled to, you must pay it back when Hiscox Underwriting Ltd asks you to. You can cancel a Direct Debit at anytime by simply contacting your bank or building society. Written confirmation maybe required. Please also notify us. Page / 1 Hiscox Business Insurance Policy summary JAC-PSC-UK-DC556(5.4) 17431b 07/20 Your Hiscox Business Insurance policy summaries This document contains the summaries for any policy covers you have selected to protect your business. These summaries outline the key information about your policies so you can be confident that you have understood what you have bought and what you are covered for. However, you should carefully read your policy in full and ensure that you understand its terms and conditions in full. If you have any queries, you should contact Hiscox or your insurance advisor. Your side of the bargain Remember, your premium and insurance are based on the details you have provided to us. Please make sure this information accurately reflects your business and that you inform us immediately if anything needs to change. Please also tell us of any changes in circumstances that may affect the services provided by us or the cover provided by your policy. This is particularly important before taking out a policy, but it also applies throughout the life of the policy too. You need to consider: ■if you fail to fairly present the risk to us, including by failing to disclose any information material to the insurance, you could invalidate the policy, claims may not be paid or the amount we pay maybe reduced; ■you should read and check all insurance documents to ensure that you are aware of the cover, limits and other terms that apply; ■if you fail to let us know of any changes to your circumstances during the period of insurance or, if when telling us about such changes you fail to present the risk to us fairly, you could invalidate the policy, claims may not be paid or the amount we pay maybe reduced; ■please be aware of all terms and conditions of your policy because failure to comply with them could invalidate it or result in us not paying a claim or reducing the amount we pay; ■in the event ofa claim, you should take note of the required procedures, such as giving Hiscox prompt notice of the claims, as stated in the policy documentation. In particular, if you fail to notify us when you first become aware ofa shortcoming, fact, or problem, admit you are liable for what has happened or appoint solicitors or other legal representation without our prior written approval, claims or defence costs may not be paid or the amount we pay maybe reduced; ■as with any insurance, you have an obligation to take reasonable steps to mitigate any loss or liability; ■if you make a fraudulent claim or try to deceive us, we may terminate the policy. Policy length The period of insurance is shown on your policy schedule. Your policy schedule will also show if the policy is ona continuing cover basis. If itis ona continuing cover basis, we will renew your policy each year for another 12 months and continue to take payment (including any premium adjustment shown in your renewal invitation) using your existing arrangement, unless you tell us otherwise or if your risk changes. If your policy schedule does not show that the policy is ona continuing cover basis, cover will cease at the end of the period of insurance, unless you renew your policy with us. We will provide you witha statement of fact each year and provided that the information contained within the statement of fact is true, complete and accurate, you do not need to provide us with any further information. If any of the information in your statement of fact is not true, complete and accurate, you must let us know. If you do not let us know, it may affect the validity of the policy or our ability to pay a claim. Retroactive dates, geographical and jurisdiction limits Where any section of your policy schedule includes a retroactive date, we will not make any payment for any claim or loss under that section which arises from any activity performed or any act, incident or occurrence taking place, before the retroactive date. Where any section of your policy schedule shows the geographical limits which apply to that section of the policy, we will only pay for claims and losses under that section which arise from activities performed or acts, incidents or occurrences taking place within those geographical limits. Where any section provides cover in respect of your liability to third parties, we will only cover claims first made ina country within the applicable courts stated in that section of your policy schedule. Hiscox Business Insurance Policy summary JAC-PSC-UK-DC556(5.4) 17431b 07/20 Cancellation rights You can cancel this policy by giving us 30 days' notice. You will only be charged for the premiums due up to the date of cancellation. If we need to cancel the policy, we’ll give you 30 days’ notice in writing and refund any surplus premiums you might have paid. Please note – we may deduct an administration fee from any refunded payment.There is an exception to our 30-day notice period, which is triggered when we don’t receive your Direct Debit payments within the agreed 14-day period. At this point, we will contact you as soon as possible and stop the 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:5QVT238/0V65YK56UZZ6 Name of policy holder:Smith Ltd Period of insurance: From Sat 27 March, 2021 to Fri 28 October, 2022 both days inclusive. This policy isa Continuing cover policy Insurer: Hiscox Insurance Company Limited Retroactive date: Tuesday 25 August, 2020 Level of cover:£1,000,000 Signed on behalf of Hiscox Underwriting Limited as agent for the insurers Jon Dye CEO, Hiscox UK Notes: (a) This insurance is subject to policy terms and conditions and any special terms notified to the InsuredPage / 1 Hiscox Business Insurance Policy Schedule 14502 10/18 This schedule tells you what is insured with us. It should be read carefully with your policy wording(s) and statement of fact detailed elsewhere in this document. Schedule effective date: Sat 27 March, 2021 Insurance details Policy number: 5QVT238/0V65YK56UZZ6 Period of insurance: From Sat 27 March, 2021 to Fri 28 October, 2022 both days inclusive. This policy isa Continuing cover policy. Insured: Smith Ltd Address: 7 Bartlett isle Foxbury FARNHAM WS2E 5RB Additional insureds: None Business: Management Consultants Premium details Charged premium – the total amount you’ll pay for this policy. Charged premium: £8,362.05 Insurance Premium Tax (IPT): £144.85 Total charged premium: £877.14 Annualised premium – the annual premium for this policy. This is given for comparison purposes. Please refer to the charged premium section for the amount you’ll pay for the policy. Annual premium: £8,362.05 Insurance Premium Tax (IPT): £144.85 Annual total: £877.14 Please note that there will be no refund or additional premium for any transaction which is less than £20 (excluding IPT). Hiscox Business Insurance Policy Schedule 14502 10/18 Summary Claims information If you need to make a claim: - For claims relating to your building or contents please contact our claims team on 0800 247 1902, 9.00am – 5:30pm Monday to Friday. If you wish to make a claim online, you can log most claims quickly and easily through our claims notification portal at https://claims.hiscox.co.uk/. Outside of normal business hours, if you require emergency assistance in relation to substantial damage to your property, you can speak to our 24-hour emergency assistance team using the telephone number above. Your policy schedule will state if property cover is included in your policy. Our out-of-hours emergency assistance team operate ona pay-and-claim basis and you will need to have credit card details available as appropriate. The team will then be able to direct you to essential tradesmen, emergency loss adjusters or disaster management companies in the event of substantial damage. - If there isa claim (or potential claim) against you bya third party, please email us at liability.claims@hiscox.com. If you need to speak to a member of the claims team urgently, please call our team on 0800 711 7156, 9.00am – 5:30pm Monday to Friday. If you wish to make a claim online, you can log most claims quickly and easily through our claims notification portal at https://claims.hiscox.co.uk/. You will need to provide your full name and contact details, the name of your business or organisation, your address and postcode, the policy reference and circumstances of the claim. The Important information and contact details section below contains additional information specific to the covers applicable to your policy. If you are unsure of who to contact please call our team on 0800 711 7156, 9.00am – 5:30pm Monday to Friday. They will ensure you get through to the correct claims team and let you know what actions you need to take. If anything happens that might be covered under the policy, you must comply with the obligations set out in General claims conditions, together with the obligations set out under Your obligations in the section or sections under which you are making the claim. Itis important that you read the policy for details of its terms in full. Your covers This isa summary of each section of your policy. See each section for cover details. Cover Insurance amount Excess Annual Premium (exc IPT) Professional indemnity £1,000,000 £1,000 £7,441.58 Legal protection £100,000 £0 £1,912.41 Crisis containment £25,000 - £6,624.30 The figures above are in summary only and are not in addition to the amount insured specified against each cover section below. Hiscox Business Insurance Policy Schedule 14502 10/18 SECTION: PROFESSIONAL INDEMNITY – MANAGEMENT CONSULTANTS Cover start date: Sat 27 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 dataPage / 2 claims £250,000 in the aggregate, including all costs Business activities Business management consultant Retroactive date Tuesday 25 August, 2020 Insurer Hiscox Insurance Company LimitedPage / 1 Hiscox Insurance Summary of change Introduction This document has been created to help you understand the key changes to your Hiscox Insurance policy and how they may impact you. Your policy continues to offer professional, tailored insurance to protect you and give you peace of mind that if you need us, you will be supported by our award winning claims team. If you have a query not covered by this document, or if you have any questions or concerns about your policy you should contact us. Frequently asked questions What if my circumstances change during the period of insurance? If your circumstances change during the period of insurance, you only need to let us know if the change means that any of the information in the Statement of Fact is no longer true, complete and accurate. If there are no such changes, you do not need to let us know. If any of the information within the Statement of Fact becomes no longer complete, true or accurate at any point during the period of insurance you must tell us as it may affect the validity of the policy or our ability to pay a claim. Additionally, if your contact details change then you should let us know straightaway. Where doI find the limits that apply to my policy? You can find your maximum allowable limits for turnover and wage rollin your Statement of Fact. You must check this information and tell us or your broker if you expect to exceed the maximum amounts shown. Please note these values may have changed. If there are special limits or special excesses applying to particular covers or types of losses these will be shown in the policy schedule. Please check your policy schedule carefully as they may have changed. My new schedule shows a different premium to last year? What has changed? If an underwriter has reviewed your policy then they may have manually adjusted your premium, for example if you’ve had claims in the last 12 months. Where doI find out about any endorsements on my policy? You will be able to see if an endorsement has been applied or removed by reviewing your Policy Schedule. If you have any queries or concerns, please contact us or your broker if you have one. Hiscox Insurance Summary of change Professional indemnity for business management consultants Summary of change Changes to the cover The following table shows the differences between our new policy wordings (5570 WD- PROF-UK-MAN(7), 15579 WD-PROF-UK-MAN-AG(3)) and our previous wordings (5570 WD-PROF-UK-MAN(6), 15579 WD-PROF-UK-MAN-AG(2)). This isa summary of the changes only. You should refer to the schedule and policy wording for the full description of the cover in place. Area of cover Previous policy New policy Improvement in cover Claims against you Advertising claims. We will pay claims arising from your advertising or branding for defamation or infringement of copyright or moral rights. This does not include claims for passing off, unauthorised use of trademarks or false or misleading advertising. Previously cover was not restricted to defamation or the infringement of copyright or moral rights.Covered Amended Your own lossesChanges to ‘what is covered’ Losses from dishonesty. Your losses arising from the dishonesty of your employees, sub-contractors or outsourcers.Covered Not covered Area of cover Previous policy New policy Improvement in cover Cyber incident. We will not pay claims relating to an actual or possible cyber attack, hacker or social engineering communication. Previously we excluded any virus not specifically targeted at your system.Covered Not covered Computer or digital technology error. We will not pay claims arising from any negligent act, error or omission in the operation or maintenance of computer or digital technology such as development, installation, patching or upgrading.Covered Not coveredChanges to ‘what is not covered’ Infrastructure. We will not pay claims arising from the failure of the service provided by internet, telecommunications, utilities or other infrastructure providers.Covered Not covered Hiscox Insurance Summary of change Personal data. We will not pay claims relating to personal data. We will pay such claims where they arise from your performance ofa business activity and which is not otherwise excluded. Subject to the limit shown in the schedule.Covered Not covered Other important changes Control of defence. Under the previous wording we had a duty to defend you against any covered claim brought against you. We now have the right but not the obligation to take control of the conduct of the claim including the appointment of legal representation. Please refer to the policy wording for full details. SOC-PROF-UK-MAN(1) 21367 01/21	5QVT238/0V65YK56UZZ6	(?<=Policy number - )[-\w_\/\.]+?(?= Company name)	Sat 27 March, 2021	(?<=anniversary of your policy is approaching on )[-\w_\/\. ,]+?(?= \.)	null	null	Business	(?<=time to renew your Hiscox )[-\w_\/\. ]+?(?= Insurance)	2024-02-05
hiscox-business-1	Hiscox Business Insurance - Policy number - UAZ.EIPBUPT_/BFDXPRLM/ Company name: Kelly Inc It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : UAZ.EIPBUPT_/BFDXPRLM/. Company name: Kelly Inc. Your Hiscox Insurance premium. Last year’s annual premium: This year’s annual premium. £ 1,610.31. £ 1,610.31. The premium includes all applicable insurance premium tax (IPT). Dear Miss Jane Bradley. Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 2023-07-08 . Good news; if you want cover to continue with us and to make sure you stay protected by our award-winning cover, you do not need to do anything. We will update your policy onto our latest wording and continue to collect payment using the payment details we have for you. You must read the important information contained in this email and the attached documents. Your Hiscox Insurance Premium breakdown. The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). The amount shown as last year’s Annual premium will take into account any changes to the cover which may have been made during the last policy period. Cover. Last year’s annual premium (exc IPT). This year’s annual Premium (exc IPT). Professional indemnity. £2,344.55. £2,344.55. Legal protection. £6,921.69. £6,921.69. Crisis containment. £6,446.41. Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy . Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government 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 Inc , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay. . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover. Policy summary for each cover. ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover . As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before 2023-07-08 . We’re here between 8:30am - 5:30pm Monday to Friday . Please note that we can only discuss policy changes with people named on the policy. Why renew with Hiscox. - Reassuring: we offer a range of cover options that can be tailored to your needs. - Flexible: we offer full flexibility to change your policy, with no administration fees . - Award-winning cover : we’ve been named Best Small Business Insurer 7 years running by Start Your Business Magazine . Please click this link for the Hiscox Referral Portal: https://refer.aklamio.com/hiscox/uk?source=postpurchase. Thank you again for choosing Hiscox to insure your business. We hope you and your business have a very successful year. Kind regards. Jon Dye. CEO, Hiscox UK. Business Insurance for the small and the brave. To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre. Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. This email and any files transmitted with it are confidential and intended solely for the use of the individual or entity to whom they are addressed. No one else is authorised to distribute, forward, print, copy or act upon any information contained in this email. If you have received this email in error, please notify the sender. Hiscox Syndicates Limited and Hiscox Insurance Company Limited are authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Hiscox Underwriting Limited, Hiscox Underwriting Services Ltd, Hiscox MGA Ltd and Hiscox ASM Ltd are authorised and regulated by the Financial Conduct Authority. Hiscox Assure SAS is duly registered as an insurance broker with the ORIAS, which is the French Official Registry of Insurance Intermediaries. Hiscox plc is a company registered in England and Wales under company registration number 2837811 and registered office at 1 Great St Helen's, London EC3A 6HX. Hiscox SA is a company registered in Luxembourg at 35 Avenue John F. Kennedy 35F, Luxembourg L-1855, and is authorised by the Commissariat aux Assurances de Luxembourg. It’s time to renew your Hiscox Business Insurance Hiscox Insurance policy number : UAZ.EIPBUPT_/BFDXPRLM/ Company name: Kelly Inc . It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : UAZ.EIPBUPT_/BFDXPRLM/ Company name: Kelly Inc . Your Hiscox Insurance premium Last year’s annual premium: This year’s annual premium The premium includes all applicable insurance premium tax (IPT). £ 1,610.31 £ 1,610.31 . Your Hiscox Insurance premium . Last year’s annual premium: This year’s annual premium £ 1,610.31 £ 1,610.31 . The premium includes all applicable insurance premium tax (IPT). Dear Miss Jane Bradley . Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 2023-07-08 . Good news; if you want cover to continue with us and to make sure you stay protected by our award-winning cover, you do not need to do anything. We will update your policy onto our latest wording and continue to collect payment using the payment details we have for you. You must read the important information contained in this email and the attached documents Your Hiscox Insurance Premium breakdown The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). The amount shown as last year’s Annual premium will take into account any changes to the cover which may have been made during the last policy period. Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) Professional indemnity £2,344.55 £2,344.55 Legal protection £6,921.69 £6,921.69 Crisis containment £6,446.41 Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government 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 Inc , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover Policy summary for each cover ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before 2023-07-08 . We’re here between 8:30am - 5:30pm Monday to Friday . Please note that we can only discuss policy changes with people named on the policy. Why renew with Hiscox - Reassuring: we offer a range of cover options that can be tailored to your needs - Flexible: we offer full flexibility to change your policy, with no administration fees - Award-winning cover : we’ve been named Best Small Business Insurer 7 years running by Start Your Business Magazine Please click this link for the Hiscox Referral Portal: https://refer.aklamio.com/hiscox/uk?source=postpurchase Thank you again for choosing Hiscox to insure your business. We hope you and your business have a very successful year. Kind regards Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 2023-07-08 . Good news; if you want cover to continue with us and to make sure you stay protected by our award-winning cover, you do not need to do anything. We will update your policy onto our latest wording and continue to collect payment using the payment details we have for you. You must read the important information contained in this email and the attached documents Your Hiscox Insurance Premium breakdown The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). The amount shown as last year’s Annual premium will take into account any changes to the cover which may have been made during the last policy period. Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) Professional indemnity £2,344.55 £2,344.55 Legal protection £6,921.69 £6,921.69 Crisis containment £6,446.41 Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government 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 Inc , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover Policy summary for each cover ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before 2023-07-08 . We’re here between 8:30am - 5:30pm Monday to Friday . Please note that we can only discuss policy changes with people named on the policy. Why renew with Hiscox - Reassuring: we offer a range of cover options that can be tailored to your needs - Flexible: we offer full flexibility to change your policy, with no administration fees - Award-winning cover : we’ve been named Best Small Business Insurer 7 years running by Start Your Business Magazine Please click this link for the Hiscox Referral Portal: https://refer.aklamio.com/hiscox/uk?source=postpurchase Thank you again for choosing Hiscox to insure your business. We hope you and your business have a very successful year. Kind regards Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Your Hiscox Insurance Premium breakdown The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). Cover Professional indemnity Legal protection Crisis containment . Last year’s annual premium (exc IPT) £2,344.55 £6,921.69 £6,446.41 . This year’s annual Premium (exc IPT) £2,344.55 £6,921.69 . Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) . Professional indemnity £2,344.55 £2,344.55 . Legal protection £6,921.69 £6,921.69 . Crisis containment £6,446.41 . Kind regards Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre . Kind regards . Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave . To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre . Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Page / 1 Hiscox Business Insurance Policy wording 17431a - DC565 WORDING 04/17Guide to sectionsIntroduction Policy wordings General terms and conditions Professional indemnity for business management consultants Legal protection Crisis containment Hiscox Business Insurance Policy wording 17431a - DC565 WORDING 04/17IntroductionThank you for choosing Hiscox to protect your business. We hope that the language and layout of this policy wording are clear because we want you to understand the insurance we provide as well as the responsibilities we have to each other. Please read this document, including the policy schedule, policy summary and statement of fact, and let us know as soon as possible if any of the details are shown incorrectly. We always try to deliver to the highest standards of service. Your views are important to us, so if you feel that our service is below the standard you would expect from Hiscox, please contact us on the phone number shown in your policy schedule. Please note that some of the words we use in this insurance are shown in bold type. These words are defined in each section of the wording. Page / 1 Hiscox Insurance Payment schedule Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Thank you for continuing to pay for your policy by Direct Debit. Please check these details and let us know if anything is incorrect or if the schedule is not suitable. Your reference details Account holder name: Jane Bradley Frequency of collection: Annual Sort code: %BANK_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 March, 2021 £1,610.31 Where your chosen collection date falls ona non-working day then we will endeavour to collect the next working day. For your information, the collections will be made using the following reference number: Originator Identification Number: 293461 Reference Number: UAZ.EIPBUPT_/BFDXPRLM/ If you have any questions about your policy or payments, please call us on 0800 280 0351. We’re here between 8:30am - 5:30pm Monday to Friday or you can email us at service@hiscox.co.uk. Using your personal information Hiscox isa trading name ofa number of Hiscox companies. The specific company acting asa data controller of your personal information will be listed in the documentation we provide to you. If you are unsure you can also contact us at anytime by telephoning 01904 681198 or by emailing us at dataprotectionofficer@hiscox.com. We collect and process information about you in order to provide insurance policies and to process claims. Your information is also used for business purposes such as fraud prevention and detection and financial management. This may involve sharing your information with, and obtaining information about you from, our group companies and third parties such as brokers, loss adjusters, credit reference agencies, service providers, professional advisors, our regulators or fraud prevention agencies. We may record telephone calls to help us monitor and improve the service we provide. For further information on how your information is used and your rights in relation to your information please see our privacy policy at www.hiscox.co.uk/cookies-privacy. The Direct Debit Guarantee This Guarantee is offered by all banks and building societies that accept instructions to pay Direct Debits. If there are any changes to the amount, date or frequency of your Direct Debit Hiscox Underwriting Ltd will notify you ten working days in advance of your account being debited or as otherwise agreed. If you request Hiscox Underwriting Ltd to collect a payment, confirmation of the amount and date will be given to you at the time of the request. If an error is made in the payment of your Direct Debit by Hiscox Underwriting Ltd or your bank or building society you are entitled to a full and immediate refund of the amount paid from your bank or building society. – If you receive a refund you are not entitled to, you must pay it back when Hiscox Underwriting Ltd asks you to. You can cancel a Direct Debit at anytime by simply contacting your bank or building society. Written confirmation maybe required. Please also notify us. Page / 1 Hiscox Business Insurance Policy summary JAC-PSC-UK-DC556(5.4) 17431b 07/20 Your Hiscox Business Insurance policy summaries This document contains the summaries for any policy covers you have selected to protect your business. These summaries outline the key information about your policies so you can be confident that you have understood what you have bought and what you are covered for. However, you should carefully read your policy in full and ensure that you understand its terms and conditions in full. If you have any queries, you should contact Hiscox or your insurance advisor. Your side of the bargain Remember, your premium and insurance are based on the details you have provided to us. Please make sure this information accurately reflects your business and that you inform us immediately if anything needs to change. Please also tell us of any changes in circumstances that may affect the services provided by us or the cover provided by your policy. This is particularly important before taking out a policy, but it also applies throughout the life of the policy too. You need to consider: ■if you fail to fairly present the risk to us, including by failing to disclose any information material to the insurance, you could invalidate the policy, claims may not be paid or the amount we pay maybe reduced; ■you should read and check all insurance documents to ensure that you are aware of the cover, limits and other terms that apply; ■if you fail to let us know of any changes to your circumstances during the period of insurance or, if when telling us about such changes you fail to present the risk to us fairly, you could invalidate the policy, claims may not be paid or the amount we pay maybe reduced; ■please be aware of all terms and conditions of your policy because failure to comply with them could invalidate it or result in us not paying a claim or reducing the amount we pay; ■in the event ofa claim, you should take note of the required procedures, such as giving Hiscox prompt notice of the claims, as stated in the policy documentation. In particular, if you fail to notify us when you first become aware ofa shortcoming, fact, or problem, admit you are liable for what has happened or appoint solicitors or other legal representation without our prior written approval, claims or defence costs may not be paid or the amount we pay maybe reduced; ■as with any insurance, you have an obligation to take reasonable steps to mitigate any loss or liability; ■if you make a fraudulent claim or try to deceive us, we may terminate the policy. Policy length The period of insurance is shown on your policy schedule. Your policy schedule will also show if the policy is ona continuing cover basis. If itis ona continuing cover basis, we will renew your policy each year for another 12 months and continue to take payment (including any premium adjustment shown in your renewal invitation) using your existing arrangement, unless you tell us otherwise or if your risk changes. If your policy schedule does not show that the policy is ona continuing cover basis, cover will cease at the end of the period of insurance, unless you renew your policy with us. We will provide you witha statement of fact each year and provided that the information contained within the statement of fact is true, complete and accurate, you do not need to provide us with any further information. If any of the information in your statement of fact is not true, complete and accurate, you must let us know. If you do not let us know, it may affect the validity of the policy or our ability to pay a claim. Retroactive dates, geographical and jurisdiction limits Where any section of your policy schedule includes a retroactive date, we will not make any payment for any claim or loss under that section which arises from any activity performed or any act, incident or occurrence taking place, before the retroactive date. Where any section of your policy schedule shows the geographical limits which apply to that section of the policy, we will only pay for claims and losses under that section which arise from activities performed or acts, incidents or occurrences taking place within those geographical limits. Where any section provides cover in respect of your liability to third parties, we will only cover claims first made ina country within the applicable courts stated in that section of your policy schedule. Hiscox Business Insurance Policy summary JAC-PSC-UK-DC556(5.4) 17431b 07/20 Cancellation rights You can cancel this policy by giving us 30 days' notice. You will only be charged for the premiums due up to the date of cancellation. If we need to cancel the policy, we’ll give you 30 days’ notice in writing and refund any surplus premiums you might have paid. Please note – we may deduct an administration fee from any refunded payment.There is an exception to our 30-day notice period, which is triggered when we don’t receive your Direct Debit payments within the agreed 14-day period. At this point, we will contact you as soon as possible and stop the 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 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:UAZ.EIPBUPT_/BFDXPRLM/ Name of policy holder:Kelly Inc Period of insurance: From 2023-07-08 to 2022-05-02 both days inclusive. This policy isa Continuing cover policy Insurer: Hiscox Insurance Company Limited Retroactive date: 09/03/23 Level of cover:£1,000,000 Signed on behalf of Hiscox Underwriting Limited as agent for the insurers Jon Dye CEO, Hiscox UK Notes: (a) This insurance is subject to policy terms and conditions and any special terms notified to the InsuredPage / 1 Hiscox Business Insurance Policy Schedule 14502 10/18 This schedule tells you what is insured with us. It should be read carefully with your policy wording(s) and statement of fact detailed elsewhere in this document. Schedule effective date: 2023-07-08 Insurance details Policy number: UAZ.EIPBUPT_/BFDXPRLM/ Period of insurance: From 2023-07-08 to 2022-05-02 both days inclusive. This policy isa Continuing cover policy. Insured: Kelly Inc Address: Flat 31f Kirsty canyon Wayneland FARNHAM EX79 9PU Additional insureds: None Business: Management Consultants Premium details Charged premium – the total amount you’ll pay for this policy. Charged premium: £2,628.42 Insurance Premium Tax (IPT): £5,820.29 Total charged premium: £1,610.31 Annualised premium – the annual premium for this policy. This is given for comparison purposes. Please refer to the charged premium section for the amount you’ll pay for the policy. Annual premium: £2,628.42 Insurance Premium Tax (IPT): £5,820.29 Annual total: £1,610.31 Please note that there will be no refund or additional premium for any transaction which is less than £20 (excluding IPT). Hiscox Business Insurance Policy Schedule 14502 10/18 Summary Claims information If you need to make a claim: - For claims relating to your building or contents please contact our claims team on 0800 247 1902, 9.00am – 5:30pm Monday to Friday. If you wish to make a claim online, you can log most claims quickly and easily through our claims notification portal at https://claims.hiscox.co.uk/. Outside of normal business hours, if you require emergency assistance in relation to substantial damage to your property, you can speak to our 24-hour emergency assistance team using the telephone number above. Your policy schedule will state if property cover is included in your policy. Our out-of-hours emergency assistance team operate ona pay-and-claim basis and you will need to have credit card details available as appropriate. The team will then be able to direct you to essential tradesmen, emergency loss adjusters or disaster management companies in the event of substantial damage. - If there isa claim (or potential claim) against you bya third party, please email us at liability.claims@hiscox.com. If you need to speak to a member of the claims team urgently, please call our team on 0800 711 7156, 9.00am – 5:30pm Monday to Friday. If you wish to make a claim online, you can log most claims quickly and easily through our claims notification portal at https://claims.hiscox.co.uk/. You will need to provide your full name and contact details, the name of your business or organisation, your address and postcode, the policy reference and circumstances of the claim. The Important information and contact details section below contains additional information specific to the covers applicable to your policy. If you are unsure of who to contact please call our team on 0800 711 7156, 9.00am – 5:30pm Monday to Friday. They will ensure you get through to the correct claims team and let you know what actions you need to take. If anything happens that might be covered under the policy, you must comply with the obligations set out in General claims conditions, together with the obligations set out under Your obligations in the section or sections under which you are making the claim. Itis important that you read the policy for details of its terms in full. Your covers This isa summary of each section of your policy. See each section for cover details. Cover Insurance amount Excess Annual Premium (exc IPT) Professional indemnity £1,000,000 £1,000 £2,344.55 Legal protection £100,000 £0 £6,921.69 Crisis containment £25,000 - £6,446.41 The figures above are in summary only and are not in addition to the amount insured specified against each cover section below. Hiscox Business Insurance Policy Schedule 14502 10/18 SECTION: PROFESSIONAL INDEMNITY – MANAGEMENT CONSULTANTS Cover start date: 2023-07-08 Limit of indemnity £1,000,000 Limit applies to in the aggregate, including all costs Excess £1,000 Excess applies to each and every claim or loss, including all costs Geographical limits Worldwide Applicable courts Worldwide (excluding United States of America and Canada) Claims brought in USA or Canada Not covered Additional covers (in addition to overall limit of indemnity stated above) Cover Limit of indemnity Limit applies to Court attendance compensation - employees £250 per person, per day Court attendance compensation - directors and partners£500 per person, per day Court attendance compensation: in total £100,000 in the aggregate Special limits (included within not in addition to the overall limit of indemnity stated above) Cover Limit of indemnity Limit applies to Personal dataPage / 2 claims £250,000 in the aggregate, including all costs Business activities Business management consultant Retroactive date 09/03/23 Insurer Hiscox Insurance Company LimitedPage / 1 Hiscox Insurance Summary of change Introduction This document has been created to help you understand the key changes to your Hiscox Insurance policy and how they may impact you. Your policy continues to offer professional, tailored insurance to protect you and give you peace of mind that if you need us, you will be supported by our award winning claims team. If you have a query not covered by this document, or if you have any questions or concerns about your policy you should contact us. Frequently asked questions What if my circumstances change during the period of insurance? If your circumstances change during the period of insurance, you only need to let us know if the change means that any of the information in the Statement of Fact is no longer true, complete and accurate. If there are no such changes, you do not need to let us know. If any of the information within the Statement of Fact becomes no longer complete, true or accurate at any point during the period of insurance you must tell us as it may affect the validity of the policy or our ability to pay a claim. Additionally, if your contact details change then you should let us know straightaway. Where doI find the limits that apply to my policy? You can find your maximum allowable limits for turnover and wage rollin your Statement of Fact. You must check this information and tell us or your broker if you expect to exceed the maximum amounts shown. Please note these values may have changed. If there are special limits or special excesses applying to particular covers or types of losses these will be shown in the policy schedule. Please check your policy schedule carefully as they may have changed. My new schedule shows a different premium to last year? What has changed? If an underwriter has reviewed your policy then they may have manually adjusted your premium, for example if you’ve had claims in the last 12 months. Where doI find out about any endorsements on my policy? You will be able to see if an endorsement has been applied or removed by reviewing your Policy Schedule. If you have any queries or concerns, please contact us or your broker if you have one. Hiscox Insurance Summary of change Professional indemnity for business management consultants Summary of change Changes to the cover The following table shows the differences between our new policy wordings (5570 WD- PROF-UK-MAN(7), 15579 WD-PROF-UK-MAN-AG(3)) and our previous wordings (5570 WD-PROF-UK-MAN(6), 15579 WD-PROF-UK-MAN-AG(2)). This isa summary of the changes only. You should refer to the schedule and policy wording for the full description of the cover in place. Area of cover Previous policy New policy Improvement in cover Claims against you Advertising claims. We will pay claims arising from your advertising or branding for defamation or infringement of copyright or moral rights. This does not include claims for passing off, unauthorised use of trademarks or false or misleading advertising. Previously cover was not restricted to defamation or the infringement of copyright or moral rights.Covered Amended Your own lossesChanges to ‘what is covered’ Losses from dishonesty. Your losses arising from the dishonesty of your employees, sub-contractors or outsourcers.Covered Not covered Area of cover Previous policy New policy Improvement in cover Cyber incident. We will not pay claims relating to an actual or possible cyber attack, hacker or social engineering communication. Previously we excluded any virus not specifically targeted at your system.Covered Not covered Computer or digital technology error. We will not pay claims arising from any negligent act, error or omission in the operation or maintenance of computer or digital technology such as development, installation, patching or upgrading.Covered Not coveredChanges to ‘what is not covered’ Infrastructure. We will not pay claims arising from the failure of the service provided by internet, telecommunications, utilities or other infrastructure providers.Covered Not covered Hiscox Insurance Summary of change Personal data. We will not pay claims relating to personal data. We will pay such claims where they arise from your performance ofa business activity and which is not otherwise excluded. Subject to the limit shown in the schedule.Covered Not covered Other important changes Control of defence. Under the previous wording we had a duty to defend you against any covered claim brought against you. We now have the right but not the obligation to take control of the conduct of the claim including the appointment of legal representation. Please refer to the policy wording for full details. SOC-PROF-UK-MAN(1) 21367 01/21	UAZ.EIPBUPT_/BFDXPRLM/	(?<=Policy number - )[-\w_\/\.]+?(?= Company name)	2023-07-08	(?<=anniversary of your policy is approaching on )[-\w_\/\. ,]+?(?= \.)	null	null	Business	(?<=time to renew your Hiscox )[-\w_\/\. ]+?(?= Insurance)	2024-02-05
hiscox-business-1	Hiscox Business Insurance - Policy number - VXIVGY. Company name: Allen, Ali and Gardner It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : VXIVGY.. Company name: Allen, Ali and Gardner. Your Hiscox Insurance premium. Last year’s annual premium: This year’s annual premium. £ 271.06. £ 271.06. The premium includes all applicable insurance premium tax (IPT). Dear Miss Ms Naomi Fleming. Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on Monday 07 March, 2022 . Good news; if you want cover to continue with us and to make sure you stay protected by our award-winning cover, you do not need to do anything. We will update your policy onto our latest wording and continue to collect payment using the payment details we have for you. You must read the important information contained in this email and the attached documents. Your Hiscox Insurance Premium breakdown. The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). The amount shown as last year’s Annual premium will take into account any changes to the cover which may have been made during the last policy period. Cover. Last year’s annual premium (exc IPT). This year’s annual Premium (exc IPT). Professional indemnity. £8,728.10. £8,728.10. Legal protection. £1,070.14. £1,070.14. Crisis containment. £6,518.61. Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy . Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government increase in Insurance Premium Tax as shown. Is our information correct? Your premium and cover are based on what you’ve told us about Allen, Ali and Gardner , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay. . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover. Policy summary for each cover. ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover . As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before Monday 07 March, 2022 . We’re here between 8:30am - 5:30pm Monday to Friday . Please note that we can only discuss policy changes with people named on the policy. Why renew with Hiscox. - Reassuring: we offer a range of cover options that can be tailored to your needs. - Flexible: we offer full flexibility to change your policy, with no administration fees . - Award-winning cover : we’ve been named Best Small Business Insurer 7 years running by Start Your Business Magazine . Please click this link for the Hiscox Referral Portal: https://refer.aklamio.com/hiscox/uk?source=postpurchase. Thank you again for choosing Hiscox to insure your business. We hope you and your business have a very successful year. Kind regards. Jon Dye. CEO, Hiscox UK. Business Insurance for the small and the brave. To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre. Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. This email and any files transmitted with it are confidential and intended solely for the use of the individual or entity to whom they are addressed. No one else is authorised to distribute, forward, print, copy or act upon any information contained in this email. If you have received this email in error, please notify the sender. Hiscox Syndicates Limited and Hiscox Insurance Company Limited are authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Hiscox Underwriting Limited, Hiscox Underwriting Services Ltd, Hiscox MGA Ltd and Hiscox ASM Ltd are authorised and regulated by the Financial Conduct Authority. Hiscox Assure SAS is duly registered as an insurance broker with the ORIAS, which is the French Official Registry of Insurance Intermediaries. Hiscox plc is a company registered in England and Wales under company registration number 2837811 and registered office at 1 Great St Helen's, London EC3A 6HX. Hiscox SA is a company registered in Luxembourg at 35 Avenue John F. Kennedy 35F, Luxembourg L-1855, and is authorised by the Commissariat aux Assurances de Luxembourg. It’s time to renew your Hiscox Business Insurance Hiscox Insurance policy number : VXIVGY. Company name: Allen, Ali and Gardner . It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : VXIVGY. Company name: Allen, Ali and Gardner . Your Hiscox Insurance premium Last year’s annual premium: This year’s annual premium The premium includes all applicable insurance premium tax (IPT). £ 271.06 £ 271.06 . Your Hiscox Insurance premium . Last year’s annual premium: This year’s annual premium £ 271.06 £ 271.06 . The premium includes all applicable insurance premium tax (IPT). Dear Miss Ms Naomi Fleming . Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on Monday 07 March, 2022 . Good news; if you want cover to continue with us and to make sure you stay protected by our award-winning cover, you do not need to do anything. We will update your policy onto our latest wording and continue to collect payment using the payment details we have for you. You must read the important information contained in this email and the attached documents Your Hiscox Insurance Premium breakdown The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). The amount shown as last year’s Annual premium will take into account any changes to the cover which may have been made during the last policy period. Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) Professional indemnity £8,728.10 £8,728.10 Legal protection £1,070.14 £1,070.14 Crisis containment £6,518.61 Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government increase in Insurance Premium Tax as shown. Is our information correct? Your premium and cover are based on what you’ve told us about Allen, Ali and Gardner , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover Policy summary for each cover ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before Monday 07 March, 2022 . We’re here between 8:30am - 5:30pm Monday to Friday . Please note that we can only discuss policy changes with people named on the policy. Why renew with Hiscox - Reassuring: we offer a range of cover options that can be tailored to your needs - Flexible: we offer full flexibility to change your policy, with no administration fees - Award-winning cover : we’ve been named Best Small Business Insurer 7 years running by Start Your Business Magazine Please click this link for the Hiscox Referral Portal: https://refer.aklamio.com/hiscox/uk?source=postpurchase Thank you again for choosing Hiscox to insure your business. We hope you and your business have a very successful year. Kind regards Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on Monday 07 March, 2022 . Good news; if you want cover to continue with us and to make sure you stay protected by our award-winning cover, you do not need to do anything. We will update your policy onto our latest wording and continue to collect payment using the payment details we have for you. You must read the important information contained in this email and the attached documents Your Hiscox Insurance Premium breakdown The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). The amount shown as last year’s Annual premium will take into account any changes to the cover which may have been made during the last policy period. Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) Professional indemnity £8,728.10 £8,728.10 Legal protection £1,070.14 £1,070.14 Crisis containment £6,518.61 Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government increase in Insurance Premium Tax as shown. Is our information correct? Your premium and cover are based on what you’ve told us about Allen, Ali and Gardner , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover Policy summary for each cover ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before Monday 07 March, 2022 . We’re here between 8:30am - 5:30pm Monday to Friday . Please note that we can only discuss policy changes with people named on the policy. Why renew with Hiscox - Reassuring: we offer a range of cover options that can be tailored to your needs - Flexible: we offer full flexibility to change your policy, with no administration fees - Award-winning cover : we’ve been named Best Small Business Insurer 7 years running by Start Your Business Magazine Please click this link for the Hiscox Referral Portal: https://refer.aklamio.com/hiscox/uk?source=postpurchase Thank you again for choosing Hiscox to insure your business. We hope you and your business have a very successful year. Kind regards Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Your Hiscox Insurance Premium breakdown The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). Cover Professional indemnity Legal protection Crisis containment . Last year’s annual premium (exc IPT) £8,728.10 £1,070.14 £6,518.61 . This year’s annual Premium (exc IPT) £8,728.10 £1,070.14 . Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) . Professional indemnity £8,728.10 £8,728.10 . Legal protection £1,070.14 £1,070.14 . Crisis containment £6,518.61 . Kind regards Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre . Kind regards . Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave . To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre . Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Page / 1 Hiscox Business Insurance Policy wording 17431a - DC565 WORDING 04/17Guide to sectionsIntroduction Policy wordings General terms and conditions Professional indemnity for business management consultants Legal protection Crisis containment Hiscox Business Insurance Policy wording 17431a - DC565 WORDING 04/17IntroductionThank you for choosing Hiscox to protect your business. We hope that the language and layout of this policy wording are clear because we want you to understand the insurance we provide as well as the responsibilities we have to each other. Please read this document, including the policy schedule, policy summary and statement of fact, and let us know as soon as possible if any of the details are shown incorrectly. We always try to deliver to the highest standards of service. Your views are important to us, so if you feel that our service is below the standard you would expect from Hiscox, please contact us on the phone number shown in your policy schedule. Please note that some of the words we use in this insurance are shown in bold type. These words are defined in each section of the wording. Page / 1 Hiscox Insurance Payment schedule Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Thank you for continuing to pay for your policy by Direct Debit. Please 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 Naomi Fleming Frequency of collection: Annual Sort code: %BANK_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 10 October, 2023 £271.06 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: VXIVGY. If you have any questions about your policy or payments, please call us on 0800 280 0351. We’re here between 8:30am - 5:30pm Monday to Friday or you can email us at service@hiscox.co.uk. Using your personal information Hiscox isa trading name ofa number of Hiscox companies. The specific company acting asa data controller of your personal information will be listed in the documentation we provide to you. If you are unsure you can also contact us at anytime by telephoning 01904 681198 or by emailing us at dataprotectionofficer@hiscox.com. We collect and process information about you in order to provide insurance policies and to process claims. Your information is also used for business purposes such as fraud prevention and detection and financial management. This may involve sharing your information with, and obtaining information about you from, our group companies and third parties such as brokers, loss adjusters, credit reference agencies, service providers, professional advisors, our regulators or fraud prevention agencies. We may record telephone calls to help us monitor and improve the service we provide. For further information on how your information is used and your rights in relation to your information please see our privacy policy at www.hiscox.co.uk/cookies-privacy. The Direct Debit Guarantee This Guarantee is offered by all banks and building societies that accept instructions to pay Direct Debits. If there are any changes to the amount, date or frequency of your Direct Debit Hiscox Underwriting Ltd will notify you ten working days in advance of your account being debited or as otherwise agreed. If you request Hiscox Underwriting Ltd to collect a payment, confirmation of the amount and date will be given to you at the time of the request. If an error is made in the payment of your Direct Debit by Hiscox Underwriting Ltd or your bank or building society you are entitled to a full and immediate refund of the amount paid from your bank or building society. – If you receive a refund you are not entitled to, you must pay it back when Hiscox Underwriting Ltd asks you to. You can cancel a Direct Debit at anytime by simply contacting your bank or building society. Written confirmation maybe required. Please also notify us. Page / 1 Hiscox Business Insurance Policy summary JAC-PSC-UK-DC556(5.4) 17431b 07/20 Your Hiscox Business Insurance policy summaries This document contains the summaries for any policy covers you have selected to protect your business. These summaries outline the key information about your policies so you can be confident that you have understood what you have bought and what you are covered for. However, you should carefully read your policy in full and ensure that you understand its terms and conditions in full. If you have any queries, you should contact Hiscox or your insurance advisor. Your side of the bargain Remember, your premium and insurance are based on the details you have provided to us. Please make sure this information accurately reflects your business and that you inform us immediately if anything needs to change. Please also tell us of any changes in circumstances that may affect the services provided by us or the cover provided by your policy. This is particularly important before taking out a policy, but it also applies throughout the life of the policy too. You need to consider: ■if you fail to fairly present the risk to us, including by failing to disclose any information material to the insurance, you could invalidate the policy, claims may not be paid or the amount we pay maybe reduced; ■you should read and check all insurance documents to ensure that you are aware of the cover, limits and other terms that apply; ■if you fail to let us know of any changes to your circumstances during the period of insurance or, if when telling us about such changes you fail to present the risk to us fairly, you could invalidate the policy, claims may not be paid or the amount we pay maybe reduced; ■please be aware of all terms and conditions of your policy because failure to comply with them could invalidate it or result in us not paying a claim or reducing the amount we pay; ■in the event ofa claim, you should take note of the required procedures, such as giving Hiscox prompt notice of the claims, as stated in the policy documentation. In particular, if you fail to notify us when you first become aware ofa shortcoming, fact, or problem, admit you are liable for what has happened or appoint solicitors or other legal representation without our prior written approval, claims or defence costs may not be paid or the amount we pay maybe reduced; ■as with any insurance, you have an obligation to take reasonable steps to mitigate any loss or liability; ■if you make a fraudulent claim or try to deceive us, we may terminate the policy. Policy length The period of insurance is shown on your policy schedule. Your policy schedule will also show if the policy is ona continuing cover basis. If itis ona continuing cover basis, we will renew your policy each year for another 12 months and continue to take payment (including any premium adjustment shown in your renewal invitation) using your existing arrangement, unless you tell us otherwise or if your risk changes. If your policy schedule does not show that the policy is ona continuing cover basis, cover will cease at the end of the period of insurance, unless you renew your policy with us. We will provide you witha statement of fact each year and provided that the information contained within the statement of fact is true, complete and accurate, you do not need to provide us with any further information. If any of the information in your statement of fact is not true, complete and accurate, you must let us know. If you do not let us know, it may affect the validity of the policy or our ability to pay a claim. Retroactive dates, geographical and jurisdiction limits Where any section of your policy schedule includes a retroactive date, we will not make any payment for any claim or loss under that section which arises from any activity performed or any act, incident or occurrence taking place, before the retroactive date. Where any section of your policy schedule shows the geographical limits which apply to that section of the policy, we will only pay for claims and losses under that section which arise from activities performed or acts, incidents or occurrences taking place within those geographical limits. Where any section provides cover in respect of your liability to third parties, we will only cover claims first made ina country within the applicable courts stated in that section of your policy schedule. Hiscox Business Insurance Policy summary JAC-PSC-UK-DC556(5.4) 17431b 07/20 Cancellation rights You can cancel this policy by giving us 30 days' notice. You will only be charged for the premiums due up to the date of cancellation. If we need to cancel the policy, we’ll give you 30 days’ notice in writing and refund any surplus premiums you might have paid. Please note – we may deduct an administration fee from any refunded payment.There is an exception to our 30-day notice period, which is triggered when we don’t receive your Direct Debit payments within the agreed 14-day period. At this point, we will contact you as soon as possible and stop the policyPage / 2 immediately. Underwritten by:Hiscox Underwriting Ltd on behalf of the insurers named in the schedule. Page / 1 Certificate of professional indemnity insurance Allen, Ali and Gardner Hiscox Underwriting Ltd of 1 Great St. Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Certificate of professional indemnity Insurance Policy number:VXIVGY. Name of policy holder:Allen, Ali and Gardner Period of insurance: From Monday 07 March, 2022 to Wed 17 September, 2025 both days inclusive. This policy isa Continuing cover policy Insurer: Hiscox Insurance Company Limited Retroactive date: Friday 05 June, 2020 Level of cover:£1,000,000 Signed on behalf of Hiscox Underwriting Limited as agent for the insurers Jon Dye CEO, Hiscox UK Notes: (a) This insurance is subject to policy terms and conditions and any special terms notified to the InsuredPage / 1 Hiscox Business Insurance Policy Schedule 14502 10/18 This schedule tells you what is insured with us. It should be read carefully with your policy wording(s) and statement of fact detailed elsewhere in this document. Schedule effective date: Monday 07 March, 2022 Insurance details Policy number: VXIVGY. Period of insurance: From Monday 07 March, 2022 to Wed 17 September, 2025 both days inclusive. This policy isa Continuing cover policy. Insured: Allen, Ali and Gardner Address: Flat 9 Davies island Lake Emilyton FARNHAM S45 5WQ Additional insureds: None Business: Management Consultants Premium details Charged premium – the total amount you’ll pay for this policy. Charged premium: £2,110.54 Insurance Premium Tax (IPT): £109.94 Total charged premium: £271.06 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: £2,110.54 Insurance Premium Tax (IPT): £109.94 Annual total: £271.06 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 £8,728.10 Legal protection £100,000 £0 £1,070.14 Crisis containment £25,000 - £6,518.61 The figures above are in summary only and are not in addition to the 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 07 March, 2022 Limit of indemnity £1,000,000 Limit applies to in the aggregate, including all costs Excess £1,000 Excess applies to each and every claim or loss, including all costs Geographical limits Worldwide Applicable courts Worldwide (excluding United States of America and Canada) Claims brought in USA or Canada Not covered Additional covers (in addition to overall limit of indemnity stated above) Cover Limit of indemnity Limit applies to Court attendance compensation - employees £250 per person, per day Court attendance compensation - directors and partners£500 per person, per day Court attendance compensation: in total £100,000 in the aggregate Special limits (included within not in addition to the overall limit of indemnity stated above) Cover Limit of indemnity Limit applies to Personal dataPage / 2 claims £250,000 in the aggregate, including all costs Business activities Business management consultant Retroactive date Friday 05 June, 2020 Insurer Hiscox Insurance Company LimitedPage / 1 Hiscox Insurance Summary of change Introduction This document has been created to help you understand the key changes to your Hiscox Insurance policy and how they may impact you. Your policy continues to offer professional, tailored insurance to protect you and give you peace of mind that if you need us, you will be supported by our award winning claims team. If you have a query not covered by this document, or if you have any questions or concerns about your policy you should contact us. Frequently asked questions What if my circumstances change during the period of insurance? If your circumstances change during the period of insurance, you only need to let us know if the change means that any of the information in the Statement of Fact is no longer true, complete and accurate. If there are no such changes, you do not need to let us know. If any of the information within the Statement of Fact becomes no longer complete, true or accurate at any point during the period of insurance you must tell us as it may affect the validity of the policy or our ability to pay a claim. Additionally, if your contact details change then you should let us know straightaway. Where doI find the limits that apply to my policy? You can find your maximum allowable limits for turnover and wage rollin your Statement of Fact. You must check this information and tell us or your broker if you expect to exceed the maximum amounts shown. Please note these values may have changed. If there are special limits or special excesses applying to particular covers or types of losses these will be shown in the policy schedule. Please check your policy schedule carefully as they may have changed. My new schedule shows a different premium to last year? What has changed? If an underwriter has reviewed your policy then they may have manually adjusted your premium, for example if you’ve had claims in the last 12 months. Where doI find out about any endorsements on my policy? You will be able to see if an endorsement has been applied or removed by reviewing your Policy Schedule. If you have any queries or concerns, please contact us or your broker if you have one. Hiscox Insurance Summary of change Professional indemnity for business management consultants Summary of change Changes to the cover The following table shows the differences between our new policy wordings (5570 WD- PROF-UK-MAN(7), 15579 WD-PROF-UK-MAN-AG(3)) and our previous wordings (5570 WD-PROF-UK-MAN(6), 15579 WD-PROF-UK-MAN-AG(2)). This isa summary of the changes only. You should refer to the schedule and policy wording for the full description of the cover in place. Area of cover Previous policy New policy Improvement in cover Claims against you Advertising claims. We will pay claims arising from your advertising or branding for defamation or infringement of copyright or moral rights. This does not include claims for passing off, unauthorised use of trademarks or false or misleading advertising. Previously cover was not restricted to defamation or the infringement of copyright or moral rights.Covered Amended Your own lossesChanges to ‘what is covered’ Losses from dishonesty. Your losses arising from the dishonesty of your employees, sub-contractors or outsourcers.Covered Not covered Area of cover Previous policy New policy Improvement in cover Cyber incident. We will not pay claims relating to an actual or possible cyber attack, hacker or social engineering communication. Previously we excluded any virus not specifically targeted at your system.Covered Not covered Computer or digital technology error. We will not pay claims arising from any negligent act, error or omission in the operation or maintenance of computer or digital technology such as development, installation, patching or upgrading.Covered Not coveredChanges to ‘what is not covered’ Infrastructure. We will not pay claims arising from the failure of the service provided by internet, telecommunications, utilities or other infrastructure providers.Covered Not covered Hiscox Insurance Summary of change Personal data. We will not pay claims relating to personal data. We will pay such claims where they arise from your performance ofa business activity and which is not otherwise excluded. Subject to the limit shown in the schedule.Covered Not covered Other important changes Control of defence. Under the previous wording we had a duty to defend you against any covered claim brought against you. We now have the right but not the obligation to take control of the conduct of the claim including the appointment of legal representation. Please refer to the policy wording for full details. SOC-PROF-UK-MAN(1) 21367 01/21	VXIVGY.	(?<=Policy number - )[-\w_\/\.]+?(?= Company name)	Monday 07 March, 2022	(?<=anniversary of your policy is approaching on )[-\w_\/\. ,]+?(?= \.)	null	null	Business	(?<=time to renew your Hiscox )[-\w_\/\. ]+?(?= Insurance)	2024-02-05
hiscox-business-1	Hiscox Business Insurance - Policy number - DYDVO/ZUW-SHHPL Company name: Clarke, O'Sullivan and Conway It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : DYDVO/ZUW-SHHPL. Company name: Clarke, O'Sullivan and Conway. Your Hiscox Insurance premium. Last year’s annual premium: This year’s annual premium. £ 6,146.73. £ 6,146.73. The premium includes all applicable insurance premium tax (IPT). Dear Dr Ms Jennifer Morley. Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 17/08/23 . Good news; if you want cover to continue with us and to make sure you stay protected by our award-winning cover, you do not need to do anything. We will update your policy onto our latest wording and continue to collect payment using the payment details we have for you. You must read the important information contained in this email and the attached documents. Your Hiscox Insurance Premium breakdown. The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). The amount shown as last year’s Annual premium will take into account any changes to the cover which may have been made during the last policy period. Cover. Last year’s annual premium (exc IPT). This year’s annual Premium (exc IPT). Professional indemnity. £1,342.16. £1,342.16. Legal protection. £3,019.64. £3,019.64. Crisis containment. £5,810.90. Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy . Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government increase in Insurance Premium Tax as shown. Is our information correct? Your premium and cover are based on what you’ve told us about Clarke, O'Sullivan and Conway , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay. . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover. Policy summary for each cover. ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover . As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before 17/08/23 . 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 : DYDVO/ZUW-SHHPL Company name: Clarke, O'Sullivan and Conway . It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : DYDVO/ZUW-SHHPL Company name: Clarke, O'Sullivan and Conway . Your Hiscox Insurance premium Last year’s annual premium: This year’s annual premium The premium includes all applicable insurance premium tax (IPT). £ 6,146.73 £ 6,146.73 . Your Hiscox Insurance premium . Last year’s annual premium: This year’s annual premium £ 6,146.73 £ 6,146.73 . The premium includes all applicable insurance premium tax (IPT). Dear Dr Ms Jennifer Morley . Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 17/08/23 . Good news; if you want cover to continue with us and to make sure you stay protected by our award-winning cover, you do not need to do anything. We will update your policy onto our latest wording and continue to collect payment using the payment details we have for you. You must read the important information contained in this email and the attached documents Your Hiscox Insurance Premium breakdown The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). The amount shown as last year’s Annual premium will take into account any changes to the cover which may have been made during the last policy period. Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) Professional indemnity £1,342.16 £1,342.16 Legal protection £3,019.64 £3,019.64 Crisis containment £5,810.90 Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government increase in Insurance Premium Tax as shown. Is our information correct? Your premium and cover are based on what you’ve told us about Clarke, O'Sullivan and Conway , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover Policy summary for each cover ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before 17/08/23 . 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 17/08/23 . Good news; if you want cover to continue with us and to make sure you stay protected by our award-winning cover, you do not need to do anything. We will update your policy onto our latest wording and continue to collect payment using the payment details we have for you. You must read the important information contained in this email and the attached documents Your Hiscox Insurance Premium breakdown The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). The amount shown as last year’s Annual premium will take into account any changes to the cover which may have been made during the last policy period. Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) Professional indemnity £1,342.16 £1,342.16 Legal protection £3,019.64 £3,019.64 Crisis containment £5,810.90 Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government increase in Insurance Premium Tax as shown. Is our information correct? Your premium and cover are based on what you’ve told us about Clarke, O'Sullivan and Conway , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover Policy summary for each cover ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before 17/08/23 . We’re here between 8:30am - 5:30pm Monday to Friday . Please note that we can only discuss policy changes with people named on the policy. Why renew with Hiscox - Reassuring: we offer a range of cover options that can be tailored to your needs - Flexible: we offer full flexibility to change your policy, with no administration fees - Award-winning cover : we’ve been named Best Small Business Insurer 7 years running by Start Your Business Magazine Please click this link for the Hiscox Referral Portal: https://refer.aklamio.com/hiscox/uk?source=postpurchase Thank you again for choosing Hiscox to insure your business. We hope you and your business have a very successful year. Kind regards Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Your Hiscox Insurance Premium breakdown The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). Cover Professional indemnity Legal protection Crisis containment . Last year’s annual premium (exc IPT) £1,342.16 £3,019.64 £5,810.90 . This year’s annual Premium (exc IPT) £1,342.16 £3,019.64 . Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) . Professional indemnity £1,342.16 £1,342.16 . Legal protection £3,019.64 £3,019.64 . Crisis containment £5,810.90 . Kind regards Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre . Kind regards . Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave . To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre . Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Page / 1 Hiscox Business Insurance Policy wording 17431a - DC565 WORDING 04/17Guide to sectionsIntroduction Policy wordings General terms and conditions Professional indemnity for business management consultants Legal protection Crisis containment Hiscox Business Insurance Policy wording 17431a - DC565 WORDING 04/17IntroductionThank you for choosing Hiscox to protect your business. We hope that the language and layout of this policy wording are clear because we want you to understand the insurance we provide as well as the responsibilities we have to each other. Please read this document, including the policy schedule, policy summary and statement of fact, and let us know as soon as possible if any of the details are shown incorrectly. We always try to deliver to the highest standards of service. Your views are important to us, so if you feel that our service is below the standard you would expect from Hiscox, please contact us on the phone number shown in your policy schedule. Please note that some of the words we use in this insurance are shown in bold type. These words are defined in each section of the wording. Page / 1 Hiscox Insurance Payment schedule Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Thank you for continuing to pay for your policy by Direct Debit. Please 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 Jennifer Morley Frequency of collection: Annual Sort code: %BANK_SORT_CODE_1% Account number: %BANK_ACCOUNT_NUMBER_1% Your Direct Debit schedule We will take payments on the dates outlined below: Date Amount 10/09/2021 £6,146.73 Where your chosen collection date falls ona non-working day then we will endeavour to collect the next working day. For your information, the collections will be made using the following reference number: Originator Identification Number: 293461 Reference Number: DYDVO/ZUW-SHHPL If you have any questions about your policy or payments, please call us on 0800 280 0351. We’re here between 8:30am - 5:30pm Monday to Friday or you can email us at service@hiscox.co.uk. Using your personal information Hiscox isa trading name ofa number of Hiscox companies. The specific company acting asa data controller of your personal information will be listed in the documentation we provide to you. If you are unsure you can also contact us at anytime by telephoning 01904 681198 or by emailing us at dataprotectionofficer@hiscox.com. We collect and process information about you in order to provide insurance policies and to process claims. Your information is also used for business purposes such as fraud prevention and detection and financial management. This may involve sharing your information with, and obtaining information about you from, our group companies and third parties such as brokers, loss adjusters, credit reference agencies, service providers, professional advisors, our regulators or fraud prevention agencies. We may record telephone calls to help us monitor and improve the service we provide. For further information on how your information is used and your rights in relation to your information please see our privacy policy at www.hiscox.co.uk/cookies-privacy. The Direct Debit Guarantee This Guarantee is offered by all banks and building societies that accept instructions to pay Direct Debits. If there are any changes to the amount, date or frequency of your Direct Debit Hiscox Underwriting Ltd will notify you ten working days in advance of your account being debited or as otherwise agreed. If you request Hiscox Underwriting Ltd to collect a payment, confirmation of the amount and date will be given to you at the time of the request. If an error is made in the payment of your Direct Debit by Hiscox Underwriting Ltd or your bank or building society you are entitled to a full and immediate refund of the amount paid from your bank or building society. – If you receive a refund you are not entitled to, you must pay it back when Hiscox Underwriting Ltd asks you to. You can cancel a Direct Debit at anytime by simply contacting your bank or building society. Written confirmation maybe required. Please also notify us. Page / 1 Hiscox Business Insurance Policy summary JAC-PSC-UK-DC556(5.4) 17431b 07/20 Your Hiscox Business Insurance policy summaries This document contains the summaries for any policy covers you have selected to protect your business. These summaries outline the key information about your policies so you can be confident that you have understood what you have bought and what you are covered for. However, you should carefully read your policy in full and ensure that you understand its terms and conditions in full. If you have any queries, you should contact Hiscox or your insurance advisor. Your side of the bargain Remember, your premium and insurance are based on the details you have provided to us. Please make sure this information accurately reflects your business and that you inform us immediately if anything needs to change. Please also tell us of any changes in circumstances that may affect the services provided by us or the cover provided by your policy. This is particularly important before taking out a policy, but it also applies throughout the life of the policy too. You need to consider: ■if you fail to fairly present the risk to us, including by failing to disclose any information material to the insurance, you could invalidate the policy, claims may not be paid or the amount we pay maybe reduced; ■you should read and check all insurance documents to ensure that you are aware of the cover, limits and other terms that apply; ■if you fail to let us know of any changes to your circumstances during the period of insurance or, if when telling us about such changes you fail to present the risk to us fairly, you could invalidate the policy, claims may not be paid or the amount we pay maybe reduced; ■please be aware of all terms and conditions of your policy because failure to comply with them could invalidate it or result in us not paying a claim or reducing the amount we pay; ■in the event ofa claim, you should take note of the required procedures, such as giving Hiscox prompt notice of the claims, as stated in the policy documentation. In particular, if you fail to notify us when you first become aware ofa shortcoming, fact, or problem, admit you are liable for what has happened or appoint solicitors or other legal representation without our prior written approval, claims or defence costs may not be paid or the amount we pay maybe reduced; ■as with any insurance, you have an obligation to take reasonable steps to mitigate any loss or liability; ■if you make a fraudulent claim or try to deceive us, we may terminate the policy. Policy length The period of insurance is shown on your policy schedule. Your policy schedule will also show if the policy is ona continuing cover basis. If itis ona continuing cover basis, we will renew your policy each year for another 12 months and continue to take payment (including any premium adjustment shown in your renewal invitation) using your existing arrangement, unless you tell us otherwise or if your risk changes. If your policy schedule does not show that the policy is ona continuing cover basis, cover will cease at the end of the period of insurance, unless you renew your policy with us. We will provide you witha statement of fact each year and provided that the information contained within the statement of fact is true, complete and accurate, you do not need to provide us with any further information. If any of the information in your statement of fact is not true, complete and accurate, you must let us know. If you do not let us know, it may affect the validity of the policy or our ability to pay a claim. Retroactive dates, geographical and jurisdiction limits Where any section of your policy schedule includes a retroactive date, we will not make any payment for any claim or loss under that section which arises from any activity performed or any act, incident or occurrence taking place, before the retroactive date. Where any section of your policy schedule shows the geographical limits which apply to that section of the policy, we will only pay for claims and losses under that section which arise from activities performed or acts, incidents or occurrences taking place within those geographical limits. Where any section provides cover in respect of your liability to third parties, we will only cover claims first made ina country within the applicable courts stated in that section of your policy schedule. Hiscox Business Insurance Policy summary JAC-PSC-UK-DC556(5.4) 17431b 07/20 Cancellation rights You can cancel this policy by giving us 30 days' notice. You will only be charged for the premiums due up to the date of cancellation. If we need to cancel the policy, we’ll give you 30 days’ notice in writing and refund any surplus premiums you might have paid. Please note – we may deduct an administration fee from any refunded payment.There is an exception to our 30-day notice period, which is triggered when we don’t receive your Direct Debit payments within the agreed 14-day period. At this point, we will contact you as soon as possible and stop the policyPage / 2 immediately. Underwritten by:Hiscox Underwriting Ltd on behalf of the insurers named in the schedule. Page / 1 Certificate of professional indemnity insurance Clarke, O'Sullivan and Conway Hiscox Underwriting Ltd of 1 Great St. Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Certificate of professional indemnity Insurance Policy number:DYDVO/ZUW-SHHPL Name of policy holder:Clarke, O'Sullivan and Conway Period of insurance: From 17/08/23 to 15 March, 2021 both days inclusive. This policy isa Continuing cover policy Insurer: Hiscox Insurance Company Limited Retroactive date: Thursday 12 December, 2019 Level of cover:£1,000,000 Signed on behalf of Hiscox Underwriting Limited as agent for the insurers Jon Dye CEO, Hiscox UK Notes: (a) This insurance is subject to policy terms and conditions and any special terms notified to the InsuredPage / 1 Hiscox Business Insurance Policy Schedule 14502 10/18 This schedule tells you what is insured with us. It should be read carefully with your policy wording(s) and statement of fact detailed elsewhere in this document. Schedule effective date: 17/08/23 Insurance details Policy number: DYDVO/ZUW-SHHPL Period of insurance: From 17/08/23 to 15 March, 2021 both days inclusive. This policy isa Continuing cover policy. Insured: Clarke, O'Sullivan and Conway Address: Studio 65U Nicole landing North Carole FARNHAM M9T 4JZ Additional insureds: None Business: Management Consultants Premium details Charged premium – the total amount you’ll pay for this policy. Charged premium: £3,762.88 Insurance Premium Tax (IPT): £1,948.97 Total charged premium: £6,146.73 Annualised premium – the annual premium for this policy. This is given for comparison purposes. Please refer to the charged premium section for the amount you’ll pay for the policy. Annual premium: £3,762.88 Insurance Premium Tax (IPT): £1,948.97 Annual total: £6,146.73 Please note that there will be no refund or additional premium for any transaction which is less than £20 (excluding IPT). Hiscox Business Insurance Policy Schedule 14502 10/18 Summary Claims information If you need to make a claim: - For claims relating to your building or contents please contact our claims team on 0800 247 1902, 9.00am – 5:30pm Monday to Friday. If you wish to make a claim online, you can log most claims quickly and easily through our claims notification portal at https://claims.hiscox.co.uk/. Outside of normal business hours, if you require emergency assistance in relation to substantial damage to your property, you can speak to our 24-hour emergency assistance team using the telephone number above. Your policy schedule will state if property cover is included in your policy. Our out-of-hours emergency assistance team operate ona pay-and-claim basis and you will need to have credit card details available as appropriate. The team will then be able to direct you to essential tradesmen, emergency loss adjusters or disaster management companies in the event of substantial damage. - If there isa claim (or potential claim) against you bya third party, please email us at liability.claims@hiscox.com. If you need to speak to a member of the claims team urgently, please call our team on 0800 711 7156, 9.00am – 5:30pm Monday to Friday. If you wish to make a claim online, you can log most claims quickly and easily through our claims notification portal at https://claims.hiscox.co.uk/. You will need to provide your full name and contact details, the name of your business or organisation, your address and postcode, the policy reference and circumstances of the claim. The Important information and contact details section below contains additional information specific to the covers applicable to your policy. If you are unsure of who to contact please call our team on 0800 711 7156, 9.00am – 5:30pm Monday to Friday. They will ensure you get through to the correct claims team and let you know what actions you need to take. If anything happens that might be covered under the policy, you must comply with the obligations set out in General claims conditions, together with the obligations set out under Your obligations in the section or sections under which you are making the claim. Itis important that you read the policy for details of its terms in full. Your covers This isa summary of each section of your policy. See each section for cover details. Cover Insurance amount Excess Annual Premium (exc IPT) Professional indemnity £1,000,000 £1,000 £1,342.16 Legal protection £100,000 £0 £3,019.64 Crisis containment £25,000 - £5,810.90 The figures above are in summary only and are not in addition to the amount insured specified against each cover section below. Hiscox Business Insurance Policy Schedule 14502 10/18 SECTION: PROFESSIONAL INDEMNITY – MANAGEMENT CONSULTANTS Cover start date: 17/08/23 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 dataPage / 2 claims £250,000 in the aggregate, including all costs Business activities Business management consultant Retroactive date Thursday 12 December, 2019 Insurer Hiscox Insurance Company LimitedPage / 1 Hiscox Insurance Summary of change Introduction This document has been created to help you understand the key changes to your Hiscox Insurance policy and how they may impact you. Your policy continues to offer professional, tailored insurance to protect you and give you peace of mind that if you need us, you will be supported by our award winning claims team. If you have a query not covered by this document, or if you have any questions or concerns about your policy you should contact us. Frequently asked questions What if my circumstances change during the period of insurance? If your circumstances change during the period of insurance, you only need to let us know if the change means that any of the information in the Statement of Fact is no longer true, complete and accurate. If there are no such changes, you do not need to let us know. If any of the information within the Statement of Fact becomes no longer complete, true or accurate at any point during the period of insurance you must tell us as it may affect the validity of the policy or our ability to pay a claim. Additionally, if your contact details change then you should let us know straightaway. Where doI find the limits that apply to my policy? You can find your maximum allowable limits for turnover and wage rollin your Statement of Fact. You must check this information and tell us or your broker if you expect to exceed the maximum amounts shown. Please note these values may have changed. If there are special limits or special excesses applying to particular covers or types of losses these will be shown in the policy schedule. Please check your policy schedule carefully as they may have changed. My new schedule shows a different premium to last year? What has changed? If an underwriter has reviewed your policy then they may have manually adjusted your premium, for example if you’ve had claims in the last 12 months. Where doI find out about any endorsements on my policy? You will be able to see if an endorsement has been applied or removed by reviewing your Policy Schedule. If you have any queries or concerns, please contact us or your broker if you have one. Hiscox Insurance Summary of change Professional indemnity for business management consultants Summary of change Changes to the cover The following table shows the differences between our new policy wordings (5570 WD- PROF-UK-MAN(7), 15579 WD-PROF-UK-MAN-AG(3)) and our previous wordings (5570 WD-PROF-UK-MAN(6), 15579 WD-PROF-UK-MAN-AG(2)). This isa summary of the changes only. You should refer to the schedule and policy wording for the full description of the cover in place. Area of cover Previous policy New policy Improvement in cover Claims against you Advertising claims. We will pay claims arising from your advertising or branding for defamation or infringement of copyright or moral rights. This does not include claims for passing off, unauthorised use of trademarks or false or misleading advertising. Previously cover was not restricted to defamation or the infringement of copyright or moral rights.Covered Amended Your own lossesChanges to ‘what is covered’ Losses from dishonesty. Your losses arising from the dishonesty of your employees, sub-contractors or outsourcers.Covered Not covered Area of cover Previous policy New policy Improvement in cover Cyber incident. We will not pay claims relating to an actual or possible cyber attack, hacker or social engineering communication. Previously we excluded any virus not specifically targeted at your system.Covered Not covered Computer or digital technology error. We will not pay claims arising from any negligent act, error or omission in the operation or maintenance of computer or digital technology such as development, installation, patching or upgrading.Covered Not coveredChanges to ‘what is not covered’ Infrastructure. We will not pay claims arising from the failure of the service provided by internet, telecommunications, utilities or other infrastructure providers.Covered Not covered Hiscox Insurance Summary of change Personal data. We will not pay claims relating to personal data. We will pay such claims where they arise from your performance ofa business activity and which is not otherwise excluded. Subject to the limit shown in the schedule.Covered Not covered Other important changes Control of defence. Under the previous wording we had a duty to defend you against any covered claim brought against you. We now have the right but not the obligation to take control of the conduct of the claim including the appointment of legal representation. Please refer to the policy wording for full details. SOC-PROF-UK-MAN(1) 21367 01/21	DYDVO/ZUW-SHHPL	(?<=Policy number - )[-\w_\/\.]+?(?= Company name)	17/08/23	(?<=anniversary of your policy is approaching on )[-\w_\/\. ,]+?(?= \.)	null	null	Business	(?<=time to renew your Hiscox )[-\w_\/\. ]+?(?= Insurance)	2024-02-05
hiscox-business-1	Hiscox Business Insurance - Policy number - prv._r_cewgxjrd Company name: Bryan Inc It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : prv._r_cewgxjrd. Company name: Bryan Inc. Your Hiscox Insurance premium. Last year’s annual premium: This year’s annual premium. £ 4,669.05. £ 4,669.05. The premium includes all applicable insurance premium tax (IPT). Dear Mr Kayleigh White. Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 16/03/2025 . 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. £6,777.94. £6,777.94. Legal protection. £1,873.37. £1,873.37. Crisis containment. £4,444.67. Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy . Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government increase in Insurance Premium Tax as shown. Is our information correct? Your premium and cover are based on what you’ve told us about Bryan 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 16/03/2025 . 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 : prv._r_cewgxjrd Company name: Bryan Inc . It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : prv._r_cewgxjrd Company name: Bryan Inc . Your Hiscox Insurance premium Last year’s annual premium: This year’s annual premium The premium includes all applicable insurance premium tax (IPT). £ 4,669.05 £ 4,669.05 . Your Hiscox Insurance premium . Last year’s annual premium: This year’s annual premium £ 4,669.05 £ 4,669.05 . The premium includes all applicable insurance premium tax (IPT). Dear Mr Kayleigh White . Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 16/03/2025 . 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 £6,777.94 £6,777.94 Legal protection £1,873.37 £1,873.37 Crisis containment £4,444.67 Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government increase in Insurance Premium Tax as shown. Is our information correct? Your premium and cover are based on what you’ve told us about Bryan 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 16/03/2025 . 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 16/03/2025 . 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 £6,777.94 £6,777.94 Legal protection £1,873.37 £1,873.37 Crisis containment £4,444.67 Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government increase in Insurance Premium Tax as shown. Is our information correct? Your premium and cover are based on what you’ve told us about Bryan 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 16/03/2025 . 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) £6,777.94 £1,873.37 £4,444.67 . This year’s annual Premium (exc IPT) £6,777.94 £1,873.37 . Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) . Professional indemnity £6,777.94 £6,777.94 . Legal protection £1,873.37 £1,873.37 . Crisis containment £4,444.67 . Kind regards Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre . Kind regards . Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave . To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre . Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Page / 1 Hiscox Business Insurance Policy wording 17431a - DC565 WORDING 04/17Guide to sectionsIntroduction Policy wordings General terms and conditions Professional indemnity for business management consultants Legal protection Crisis containment Hiscox Business Insurance Policy wording 17431a - DC565 WORDING 04/17IntroductionThank you for choosing Hiscox to protect your business. We hope that the language and layout of this policy wording are clear because we want you to understand the insurance we provide as well as the responsibilities we have to each other. Please read this document, including the policy schedule, policy summary and statement of fact, and let us know as soon as possible if any of the details are shown incorrectly. We always try to deliver to the highest standards of service. Your views are important to us, so if you feel that our service is below the standard you would expect from Hiscox, please contact us on the phone number shown in your policy schedule. Please note that some of the words we use in this insurance are shown in bold type. These words are defined in each section of the wording. Page / 1 Hiscox Insurance Payment schedule Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Thank you for continuing to pay for your policy by Direct Debit. Please check these details and let us know if anything is incorrect or if the schedule is not suitable. Your reference details Account holder name: Kayleigh White Frequency of collection: Annual Sort code: %BANK_SORT_CODE_1% Account number: %BANK_ACCOUNT_NUMBER_1% Your Direct Debit schedule We will take payments on the dates outlined below: Date Amount 18/03/20 £4,669.05 Where your chosen collection date falls ona non-working day then we will endeavour to collect the next working day. For your information, the collections will be made using the following reference number: Originator Identification Number: 293461 Reference Number: prv._r_cewgxjrd If you have any questions about your policy or payments, please call us on 0800 280 0351. We’re here between 8:30am - 5:30pm Monday to Friday or you can email us at service@hiscox.co.uk. Using your personal information Hiscox isa trading name ofa number of Hiscox companies. The specific company acting asa data controller of your personal information will be listed in the documentation we provide to you. If you are unsure you can also contact us at anytime by telephoning 01904 681198 or by emailing us at dataprotectionofficer@hiscox.com. We collect and process information about you in order to provide insurance policies and to process claims. Your information is also used for business purposes such as fraud prevention and detection and financial management. This may involve sharing your information with, and obtaining information about you from, our group companies and third parties such as brokers, loss adjusters, credit reference agencies, service providers, professional advisors, our regulators or fraud prevention agencies. We may record telephone calls to help us monitor and improve the service we provide. For further information on how your information is used and your rights in relation to your information please see our privacy policy at www.hiscox.co.uk/cookies-privacy. The Direct Debit Guarantee This Guarantee is offered by all banks and building societies that accept instructions to pay Direct Debits. If there are any changes to the amount, date or frequency of your Direct Debit Hiscox Underwriting Ltd will notify you ten working days in advance of your account being debited or as otherwise agreed. If you request Hiscox Underwriting Ltd to collect a payment, confirmation of the amount and date will be given to you at the time of the request. If an error is made in the payment of your Direct Debit by Hiscox Underwriting Ltd or your bank or building society you are entitled to a full and immediate refund of the amount paid from your bank or building society. – If you receive a refund you are not entitled to, you must pay it back when Hiscox Underwriting Ltd asks you to. You can cancel a Direct Debit at anytime by simply contacting your bank or building society. Written confirmation maybe required. Please also notify us. Page / 1 Hiscox Business Insurance Policy summary JAC-PSC-UK-DC556(5.4) 17431b 07/20 Your Hiscox Business Insurance policy summaries This document contains the summaries for any policy covers you have selected to protect your business. These summaries outline the key information about your policies so you can be confident that you have understood what you have bought and what you are covered for. However, you should carefully read your policy in full and ensure that you understand its terms and conditions in full. If you have any queries, you should contact Hiscox or your insurance advisor. Your side of the bargain Remember, your premium and insurance are based on the details you have provided to us. Please make sure this information accurately reflects your business and that you inform us immediately if anything needs to change. Please also tell us of any changes in circumstances that may affect the services provided by us or the cover provided by your policy. This is particularly important before taking out a policy, but it also applies throughout the life of the policy too. You need to consider: ■if you fail to fairly present the risk to us, including by failing to disclose any information material to the insurance, you could invalidate the policy, claims may not be paid or the amount we pay maybe reduced; ■you should read and check all insurance documents to ensure that you are aware of the cover, limits and other terms that apply; ■if you fail to let us know of any changes to your circumstances during the period of insurance or, if when telling us about such changes you fail to present the risk to us fairly, you could invalidate the policy, claims may not be paid or the amount we pay maybe reduced; ■please be aware of all terms and conditions of your policy because failure to comply with them could invalidate it or result in us not paying a claim or reducing the amount we pay; ■in the event ofa claim, you should take note of the required procedures, such as giving Hiscox prompt notice of the claims, as stated in the policy documentation. In particular, if you fail to notify us when you first become aware ofa shortcoming, fact, or problem, admit you are liable for what has happened or appoint solicitors or other legal representation without our prior written approval, claims or defence costs may not be paid or the amount we pay maybe reduced; ■as with any insurance, you have an obligation to take reasonable steps to mitigate any loss or liability; ■if you make a fraudulent claim or try to deceive us, we may terminate the policy. Policy length The period of insurance is shown on your policy schedule. Your policy schedule will also show if the policy is ona continuing cover basis. If itis ona continuing cover basis, we will renew your policy each year for another 12 months and continue to take payment (including any premium adjustment shown in your renewal invitation) using your existing arrangement, unless you tell us otherwise or if your risk changes. If your policy schedule does not show that the policy is ona continuing cover basis, cover will cease at the end of the period of insurance, unless you renew your policy with us. We will provide you witha statement of fact each year and provided that the information contained within the statement of fact is true, complete and accurate, you do not need to provide us with any further information. If any of the information in your statement of fact is not true, complete and accurate, you must let us know. If you do not let us know, it may affect the validity of the policy or our ability to pay a claim. Retroactive dates, geographical and jurisdiction limits Where any section of your policy schedule includes a retroactive date, we will not make any payment for any claim or loss under that section which arises from any activity performed or any act, incident or occurrence taking place, before the retroactive date. Where any section of your policy schedule shows the geographical limits which apply to that section of the policy, we will only pay for claims and losses under that section which arise from activities performed or acts, incidents or occurrences taking place within those geographical limits. Where any section provides cover in respect of your liability to third parties, we will only cover claims first made ina country within the applicable courts stated in that section of your policy schedule. Hiscox Business Insurance Policy summary JAC-PSC-UK-DC556(5.4) 17431b 07/20 Cancellation rights You can cancel this policy by giving us 30 days' notice. You will only be charged for the premiums due up to the date of cancellation. If we need to cancel the policy, we’ll give you 30 days’ notice in writing and refund any surplus premiums you might have paid. Please note – we may deduct an administration fee from any refunded payment.There is an exception to our 30-day notice period, which is triggered when we don’t receive your Direct Debit payments within the agreed 14-day period. At this point, we will contact you as soon as possible and stop the policyPage / 2 immediately. Underwritten by:Hiscox Underwriting Ltd on behalf of the insurers named in the schedule. Page / 1 Certificate of professional indemnity insurance Bryan 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:prv._r_cewgxjrd Name of policy holder:Bryan Inc Period of insurance: From 16/03/2025 to 13/02/24 both days inclusive. This policy isa Continuing cover policy Insurer: Hiscox Insurance Company Limited Retroactive date: 2023-12-03 Level of cover:£1,000,000 Signed on behalf of Hiscox Underwriting Limited as agent for the insurers Jon Dye CEO, Hiscox UK Notes: (a) This insurance is subject to policy terms and conditions and any special terms notified to the InsuredPage / 1 Hiscox Business Insurance Policy Schedule 14502 10/18 This schedule tells you what is insured with us. It should be read carefully with your policy wording(s) and statement of fact detailed elsewhere in this document. Schedule effective date: 16/03/2025 Insurance details Policy number: prv._r_cewgxjrd Period of insurance: From 16/03/2025 to 13/02/24 both days inclusive. This policy isa Continuing cover policy. Insured: Bryan Inc Address: Flat 01 Alan courts East Timothy FARNHAM L78 5YB Additional insureds: None Business: Management Consultants Premium details Charged premium – the total amount you’ll pay for this policy. Charged premium: £2,344.91 Insurance Premium Tax (IPT): £2,152.03 Total charged premium: £4,669.05 Annualised premium – the annual premium for this policy. This is given for comparison purposes. Please refer to the charged premium section for the amount you’ll pay for the policy. Annual premium: £2,344.91 Insurance Premium Tax (IPT): £2,152.03 Annual total: £4,669.05 Please note that there will be no refund or additional premium for any transaction which is less than £20 (excluding IPT). Hiscox Business Insurance Policy Schedule 14502 10/18 Summary Claims information If you need to make a claim: - For claims relating to your building or contents please contact our claims team on 0800 247 1902, 9.00am – 5:30pm Monday to Friday. If you wish to make a claim online, you can log most claims quickly and easily through our claims notification portal at https://claims.hiscox.co.uk/. Outside of normal business hours, if you require emergency assistance in relation to substantial damage to your property, you can speak to our 24-hour emergency assistance team using the telephone number above. Your policy schedule will state if property cover is included in your policy. Our out-of-hours emergency assistance team operate ona pay-and-claim basis and you will need to have credit card details available as appropriate. The team will then be able to direct you to essential tradesmen, emergency loss adjusters or disaster management companies in the event of substantial damage. - If there isa claim (or potential claim) against you bya third party, please email us at liability.claims@hiscox.com. If you need to speak to a member of the claims team urgently, please call our team on 0800 711 7156, 9.00am – 5:30pm Monday to Friday. If you wish to make a claim online, you can log most claims quickly and easily through our claims notification portal at https://claims.hiscox.co.uk/. You will need to provide your full name and contact details, the name of your business or organisation, your address and postcode, the policy reference and circumstances of the claim. The Important information and contact details section below contains additional information specific to the covers applicable to your policy. If you are unsure of who to contact please call our team on 0800 711 7156, 9.00am – 5:30pm Monday to Friday. They will ensure you get through to the correct claims team and let you know what actions you need to take. If anything happens that might be covered under the policy, you must comply with the obligations set out in General claims conditions, together with the obligations set out under Your obligations in the section or sections under which you are making the claim. Itis important that you read the policy for details of its terms in full. Your covers This isa summary of each section of your policy. See each section for cover details. Cover Insurance amount Excess Annual Premium (exc IPT) Professional indemnity £1,000,000 £1,000 £6,777.94 Legal protection £100,000 £0 £1,873.37 Crisis containment £25,000 - £4,444.67 The figures above are in summary only and are not in addition to the amount insured specified against each cover section below. Hiscox Business Insurance Policy Schedule 14502 10/18 SECTION: PROFESSIONAL INDEMNITY – MANAGEMENT CONSULTANTS Cover start date: 16/03/2025 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 dataPage / 2 claims £250,000 in the aggregate, including all costs Business activities Business management consultant Retroactive date 2023-12-03 Insurer Hiscox Insurance Company LimitedPage / 1 Hiscox Insurance Summary of change Introduction This document has been created to help you understand the key changes to your Hiscox Insurance policy and how they may impact you. Your policy continues to offer professional, tailored insurance to protect you and give you peace of mind that if you need us, you will be supported by our award winning claims team. If you have a query not covered by this document, or if you have any questions or concerns about your policy you should contact us. Frequently asked questions What if my circumstances change during the period of insurance? If your circumstances change during the period of insurance, you only need to let us know if the change means that any of the information in the Statement of Fact is no longer true, complete and accurate. If there are no such changes, you do not need to let us know. If any of the information within the Statement of Fact becomes no longer complete, true or accurate at any point during the period of insurance you must tell us as it may affect the validity of the policy or our ability to pay a claim. Additionally, if your contact details change then you should let us know straightaway. Where doI find the limits that apply to my policy? You can find your maximum allowable limits for turnover and wage rollin your Statement of Fact. You must check this information and tell us or your broker if you expect to exceed the maximum amounts shown. Please note these values may have changed. If there are special limits or special excesses applying to particular covers or types of losses these will be shown in the policy schedule. Please check your policy schedule carefully as they may have changed. My new schedule shows a different premium to last year? What has changed? If an underwriter has reviewed your policy then they may have manually adjusted your premium, for example if you’ve had claims in the last 12 months. Where doI find out about any endorsements on my policy? You will be able to see if an endorsement has been applied or removed by reviewing your Policy Schedule. If you have any queries or concerns, please contact us or your broker if you have one. Hiscox Insurance Summary of change Professional indemnity for business management consultants Summary of change Changes to the cover The following table shows the differences between our new policy wordings (5570 WD- PROF-UK-MAN(7), 15579 WD-PROF-UK-MAN-AG(3)) and our previous wordings (5570 WD-PROF-UK-MAN(6), 15579 WD-PROF-UK-MAN-AG(2)). This isa summary of the changes only. You should refer to the schedule and policy wording for the full description of the cover in place. Area of cover Previous policy New policy Improvement in cover Claims against you Advertising claims. We will pay claims arising from your advertising or branding for defamation or infringement of copyright or moral rights. This does not include claims for passing off, unauthorised use of trademarks or false or misleading advertising. Previously cover was not restricted to defamation or the infringement of copyright or moral rights.Covered Amended Your own lossesChanges to ‘what is covered’ Losses from dishonesty. Your losses arising from the dishonesty of your employees, sub-contractors or outsourcers.Covered Not covered Area of cover Previous policy New policy Improvement in cover Cyber incident. We will not pay claims relating to an actual or possible cyber attack, hacker or social engineering communication. Previously we excluded any virus not specifically targeted at your system.Covered Not covered Computer or digital technology error. We will not pay claims arising from any negligent act, error or omission in the operation or maintenance of computer or digital technology such as development, installation, patching or upgrading.Covered Not coveredChanges to ‘what is not covered’ Infrastructure. We will not pay claims arising from the failure of the service provided by internet, telecommunications, utilities or other infrastructure providers.Covered Not covered Hiscox Insurance Summary of change Personal data. We will not pay claims relating to personal data. We will pay such claims where they arise from your performance ofa business activity and which is not otherwise excluded. Subject to the limit shown in the schedule.Covered Not covered Other important changes Control of defence. Under the previous wording we had a duty to defend you against any covered claim brought against you. We now have the right but not the obligation to take control of the conduct of the claim including the appointment of legal representation. Please refer to the policy wording for full details. SOC-PROF-UK-MAN(1) 21367 01/21	prv._r_cewgxjrd	(?<=Policy number - )[-\w_\/\.]+?(?= Company name)	16/03/2025	(?<=anniversary of your policy is approaching on )[-\w_\/\. ,]+?(?= \.)	null	null	Business	(?<=time to renew your Hiscox )[-\w_\/\. ]+?(?= Insurance)	2024-02-05
hiscox-business-1	Hiscox Business Insurance - Policy number - dzhkbdrhq Company name: Gibson, Smith and Green It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : dzhkbdrhq. Company name: Gibson, Smith and Green. Your Hiscox Insurance premium. Last year’s annual premium: This year’s annual premium. £ 622.81. £ 622.81. The premium includes all applicable insurance premium tax (IPT). Dear Mrs Dr Stephanie Khan. Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 25 July, 2025 . Good news; if you want cover to continue with us and to make sure you stay protected by our award-winning cover, you do not need to do anything. We will update your policy onto our latest wording and continue to collect payment using the payment details we have for you. You must read the important information contained in this email and the attached documents. Your Hiscox Insurance Premium breakdown. The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). The amount shown as last year’s Annual premium will take into account any changes to the cover which may have been made during the last policy period. Cover. Last year’s annual premium (exc IPT). This year’s annual Premium (exc IPT). Professional indemnity. £2,070.82. £2,070.82. Legal protection. £1,021.89. £1,021.89. Crisis containment. £4,905.17. Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy . Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government increase in Insurance Premium Tax as shown. Is our information correct? Your premium and cover are based on what you’ve told us about Gibson, Smith 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 25 July, 2025 . We’re here between 8:30am - 5:30pm Monday to Friday . Please note that we can only discuss policy changes with people named on the policy. Why renew with Hiscox. - Reassuring: we offer a range of cover options that can be tailored to your needs. - Flexible: we offer full flexibility to change your policy, with no administration fees . - Award-winning cover : we’ve been named Best Small Business Insurer 7 years running by Start Your Business Magazine . Please click this link for the Hiscox Referral Portal: https://refer.aklamio.com/hiscox/uk?source=postpurchase. Thank you again for choosing Hiscox to insure your business. We hope you and your business have a very successful year. Kind regards. Jon Dye. CEO, Hiscox UK. Business Insurance for the small and the brave. To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre. Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. This email and any files transmitted with it are confidential and intended solely for the use of the individual or entity to whom they are addressed. No one else is authorised to distribute, forward, print, copy or act upon any information contained in this email. If you have received this email in error, please notify the sender. Hiscox Syndicates Limited and Hiscox Insurance Company Limited are authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Hiscox Underwriting Limited, Hiscox Underwriting Services Ltd, Hiscox MGA Ltd and Hiscox ASM Ltd are authorised and regulated by the Financial Conduct Authority. Hiscox Assure SAS is duly registered as an insurance broker with the ORIAS, which is the French Official Registry of Insurance Intermediaries. Hiscox plc is a company registered in England and Wales under company registration number 2837811 and registered office at 1 Great St Helen's, London EC3A 6HX. Hiscox SA is a company registered in Luxembourg at 35 Avenue John F. Kennedy 35F, Luxembourg L-1855, and is authorised by the Commissariat aux Assurances de Luxembourg. It’s time to renew your Hiscox Business Insurance Hiscox Insurance policy number : dzhkbdrhq Company name: Gibson, Smith and Green . It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : dzhkbdrhq Company name: Gibson, Smith 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). £ 622.81 £ 622.81 . Your Hiscox Insurance premium . Last year’s annual premium: This year’s annual premium £ 622.81 £ 622.81 . The premium includes all applicable insurance premium tax (IPT). Dear Mrs Dr Stephanie Khan . Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 25 July, 2025 . Good news; if you want cover to continue with us and to make sure you stay protected by our award-winning cover, you do not need to do anything. We will update your policy onto our latest wording and continue to collect payment using the payment details we have for you. You must read the important information contained in this email and the attached documents Your Hiscox Insurance Premium breakdown The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). The amount shown as last year’s Annual premium will take into account any changes to the cover which may have been made during the last policy period. Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) Professional indemnity £2,070.82 £2,070.82 Legal protection £1,021.89 £1,021.89 Crisis containment £4,905.17 Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government increase in Insurance Premium Tax as shown. Is our information correct? Your premium and cover are based on what you’ve told us about Gibson, Smith 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 25 July, 2025 . We’re here between 8:30am - 5:30pm Monday to Friday . Please note that we can only discuss policy changes with people named on the policy. Why renew with Hiscox - Reassuring: we offer a range of cover options that can be tailored to your needs - Flexible: we offer full flexibility to change your policy, with no administration fees - Award-winning cover : we’ve been named Best Small Business Insurer 7 years running by Start Your Business Magazine Please click this link for the Hiscox Referral Portal: https://refer.aklamio.com/hiscox/uk?source=postpurchase Thank you again for choosing Hiscox to insure your business. We hope you and your business have a very successful year. Kind regards Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 25 July, 2025 . Good news; if you want cover to continue with us and to make sure you stay protected by our award-winning cover, you do not need to do anything. We will update your policy onto our latest wording and continue to collect payment using the payment details we have for you. You must read the important information contained in this email and the attached documents Your Hiscox Insurance Premium breakdown The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). The amount shown as last year’s Annual premium will take into account any changes to the cover which may have been made during the last policy period. Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) Professional indemnity £2,070.82 £2,070.82 Legal protection £1,021.89 £1,021.89 Crisis containment £4,905.17 Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government increase in Insurance Premium Tax as shown. Is our information correct? Your premium and cover are based on what you’ve told us about Gibson, Smith 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 25 July, 2025 . We’re here between 8:30am - 5:30pm Monday to Friday . Please note that we can only discuss policy changes with people named on the policy. Why renew with Hiscox - Reassuring: we offer a range of cover options that can be tailored to your needs - Flexible: we offer full flexibility to change your policy, with no administration fees - Award-winning cover : we’ve been named Best Small Business Insurer 7 years running by Start Your Business Magazine Please click this link for the Hiscox Referral Portal: https://refer.aklamio.com/hiscox/uk?source=postpurchase Thank you again for choosing Hiscox to insure your business. We hope you and your business have a very successful year. Kind regards Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Your Hiscox Insurance Premium breakdown The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). Cover Professional indemnity Legal protection Crisis containment . Last year’s annual premium (exc IPT) £2,070.82 £1,021.89 £4,905.17 . This year’s annual Premium (exc IPT) £2,070.82 £1,021.89 . Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) . Professional indemnity £2,070.82 £2,070.82 . Legal protection £1,021.89 £1,021.89 . Crisis containment £4,905.17 . Kind regards Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre . Kind regards . Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave . To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre . Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Page / 1 Hiscox Business Insurance Policy wording 17431a - DC565 WORDING 04/17Guide to sectionsIntroduction Policy wordings General terms and conditions Professional indemnity for business management consultants Legal protection Crisis containment Hiscox Business Insurance Policy wording 17431a - DC565 WORDING 04/17IntroductionThank you for choosing Hiscox to protect your business. We hope that the language and layout of this policy wording are clear because we want you to understand the insurance we provide as well as the responsibilities we have to each other. Please read this document, including the policy schedule, policy summary and statement of fact, and let us know as soon as possible if any of the details are shown incorrectly. We always try to deliver to the highest standards of service. Your views are important to us, so if you feel that our service is below the standard you would expect from Hiscox, please contact us on the phone number shown in your policy schedule. Please note that some of the words we use in this insurance are shown in bold type. These words are defined in each section of the wording. Page / 1 Hiscox Insurance Payment schedule Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Thank you for continuing to pay for your policy by Direct Debit. Please 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 Stephanie Khan Frequency of collection: Annual Sort code: %BANK_SORT_CODE_1% Account number: %BANK_ACCOUNT_NUMBER_1% Your Direct Debit schedule We will take payments on the dates outlined below: Date Amount Friday 12 December, 2025 £622.81 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: dzhkbdrhq If you have any questions about your policy or payments, please call us on 0800 280 0351. We’re here between 8:30am - 5:30pm Monday to Friday or you can email us at service@hiscox.co.uk. Using your personal information Hiscox isa trading name ofa number of Hiscox companies. The specific company acting asa data controller of your personal information will be listed in the documentation we provide to you. If you are unsure you can also contact us at anytime by telephoning 01904 681198 or by emailing us at dataprotectionofficer@hiscox.com. We collect and process information about you in order to provide insurance policies and to process claims. Your information is also used for business purposes such as fraud prevention and detection and financial management. This may involve sharing your information with, and obtaining information about you from, our group companies and third parties such as brokers, loss adjusters, credit reference agencies, service providers, professional advisors, our regulators or fraud prevention agencies. We may record telephone calls to help us monitor and improve the service we provide. For further information on how your information is used and your rights in relation to your information please see our privacy policy at www.hiscox.co.uk/cookies-privacy. The Direct Debit Guarantee This Guarantee is offered by all banks and building societies that accept instructions to pay Direct Debits. If there are any changes to the amount, date or frequency of your Direct Debit Hiscox Underwriting Ltd will notify you ten working days in advance of your account being debited or as otherwise agreed. If you request Hiscox Underwriting Ltd to collect a payment, confirmation of the amount and date will be given to you at the time of the request. If an error is made in the payment of your Direct Debit by Hiscox Underwriting Ltd or your bank or building society you are entitled to a full and immediate refund of the amount paid from your bank or building society. – If you receive a refund you are not entitled to, you must pay it back when Hiscox Underwriting Ltd asks you to. You can cancel a Direct Debit at anytime by simply contacting your bank or building society. Written confirmation maybe required. Please also notify us. Page / 1 Hiscox Business Insurance Policy summary JAC-PSC-UK-DC556(5.4) 17431b 07/20 Your Hiscox Business Insurance policy summaries This document contains the summaries for any policy covers you have selected to protect your business. These summaries outline the key information about your policies so you can be confident that you have understood what you have bought and what you are covered for. However, you should carefully read your policy in full and ensure that you understand its terms and conditions in full. If you have any queries, you should contact Hiscox or your insurance advisor. Your side of the bargain Remember, your premium and insurance are based on the details you have provided to us. Please make sure this information accurately reflects your business and that you inform us immediately if anything needs to change. Please also tell us of any changes in circumstances that may affect the services provided by us or the cover provided by your policy. This is particularly important before taking out a policy, but it also applies throughout the life of the policy too. You need to consider: ■if you fail to fairly present the risk to us, including by failing to disclose any information material to the insurance, you could invalidate the policy, claims may not be paid or the amount we pay maybe reduced; ■you should read and check all insurance documents to ensure that you are aware of the cover, limits and other terms that apply; ■if you fail to let us know of any changes to your circumstances during the period of insurance or, if when telling us about such changes you fail to present the risk to us fairly, you could invalidate the policy, claims may not be paid or the amount we pay maybe reduced; ■please be aware of all terms and conditions of your policy because failure to comply with them could invalidate it or result in us not paying a claim or reducing the amount we pay; ■in the event ofa claim, you should take note of the required procedures, such as giving Hiscox prompt notice of the claims, as stated in the policy documentation. In particular, if you fail to notify us when you first become aware ofa shortcoming, fact, or problem, admit you are liable for what has happened or appoint solicitors or other legal representation without our prior written approval, claims or defence costs may not be paid or the amount we pay maybe reduced; ■as with any insurance, you have an obligation to take reasonable steps to mitigate any loss or liability; ■if you make a fraudulent claim or try to deceive us, we may terminate the policy. Policy length The period of insurance is shown on your policy schedule. Your policy schedule will also show if the policy is ona continuing cover basis. If itis ona continuing cover basis, we will renew your policy each year for another 12 months and continue to take payment (including any premium adjustment shown in your renewal invitation) using your existing arrangement, unless you tell us otherwise or if your risk changes. If your policy schedule does not show that the policy is ona continuing cover basis, cover will cease at the end of the period of insurance, unless you renew your policy with us. We will provide you witha statement of fact each year and provided that the information contained within the statement of fact is true, complete and accurate, you do not need to provide us with any further information. If any of the information in your statement of fact is not true, complete and accurate, you must let us know. If you do not let us know, it may affect the validity of the policy or our ability to pay a claim. Retroactive dates, geographical and jurisdiction limits Where any section of your policy schedule includes a retroactive date, we will not make any payment for any claim or loss under that section which arises from any activity performed or any act, incident or occurrence taking place, before the retroactive date. Where any section of your policy schedule shows the geographical limits which apply to that section of the policy, we will only pay for claims and losses under that section which arise from activities performed or acts, incidents or occurrences taking place within those geographical limits. Where any section provides cover in respect of your liability to third parties, we will only cover claims first made ina country within the applicable courts stated in that section of your policy schedule. Hiscox Business Insurance Policy summary JAC-PSC-UK-DC556(5.4) 17431b 07/20 Cancellation rights You can cancel this policy by giving us 30 days' notice. You will only be charged for the premiums due up to the date of cancellation. If we need to cancel the policy, we’ll give you 30 days’ notice in writing and refund any surplus premiums you might have paid. Please note – we may deduct an administration fee from any refunded payment.There is an exception to our 30-day notice period, which is triggered when we don’t receive your Direct Debit payments within the agreed 14-day period. At this point, we will contact you as soon as possible and stop the policyPage / 2 immediately. Underwritten by:Hiscox Underwriting Ltd on behalf of the insurers named in the schedule. Page / 1 Certificate of professional indemnity insurance Gibson, Smith 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:dzhkbdrhq Name of policy holder:Gibson, Smith and Green Period of insurance: From 25 July, 2025 to Sunday 22 September, 2019 both days inclusive. This policy isa Continuing cover policy Insurer: Hiscox Insurance Company Limited Retroactive date: 23/02/25 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: 25 July, 2025 Insurance details Policy number: dzhkbdrhq Period of insurance: From 25 July, 2025 to Sunday 22 September, 2019 both days inclusive. This policy isa Continuing cover policy. Insured: Gibson, Smith and Green Address: Studio 4 Taylor ferry Birdland FARNHAM SY0B 7HA Additional insureds: None Business: Management Consultants Premium details Charged premium – the total amount you’ll pay for this policy. Charged premium: £2,687.62 Insurance Premium Tax (IPT): £2,028.60 Total charged premium: £622.81 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: £2,687.62 Insurance Premium Tax (IPT): £2,028.60 Annual total: £622.81 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 £2,070.82 Legal protection £100,000 £0 £1,021.89 Crisis containment £25,000 - £4,905.17 The figures above are in summary only and are not in addition to the 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 July, 2025 Limit of indemnity £1,000,000 Limit applies to in the aggregate, including all costs Excess £1,000 Excess applies to each and every claim or loss, including all costs Geographical limits Worldwide Applicable courts Worldwide (excluding United States of America and Canada) Claims brought in USA or Canada Not covered Additional covers (in addition to overall limit of indemnity stated above) Cover Limit of indemnity Limit applies to Court attendance compensation - employees £250 per person, per day Court attendance compensation - directors and partners£500 per person, per day Court attendance compensation: in total £100,000 in the aggregate Special limits (included within not in addition to the overall limit of indemnity stated above) Cover Limit of indemnity Limit applies to Personal dataPage / 2 claims £250,000 in the aggregate, including all costs Business activities Business management consultant Retroactive date 23/02/25 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	dzhkbdrhq	(?<=Policy number - )[-\w_\/\.]+?(?= Company name)	25 July, 2025	(?<=anniversary of your policy is approaching on )[-\w_\/\. ,]+?(?= \.)	null	null	Business	(?<=time to renew your Hiscox )[-\w_\/\. ]+?(?= Insurance)	2024-02-05
hiscox-business-1	Hiscox Business Insurance - Policy number - T8S10BK/WRBA5T Company name: Stone-Gibbs It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : T8S10BK/WRBA5T. Company name: Stone-Gibbs. Your Hiscox Insurance premium. Last year’s annual premium: This year’s annual premium. £ 4,552.07. £ 4,552.07. The premium includes all applicable insurance premium tax (IPT). Dear Ms Dr Diana Ferguson. Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 05/01/2024 . Good news; if you want cover to continue with us and to make sure you stay protected by our award-winning cover, you do not need to do anything. We will update your policy onto our latest wording and continue to collect payment using the payment details we have for you. You must read the important information contained in this email and the attached documents. Your Hiscox Insurance Premium breakdown. The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). The amount shown as last year’s Annual premium will take into account any changes to the cover which may have been made during the last policy period. Cover. Last year’s annual premium (exc IPT). This year’s annual Premium (exc IPT). Professional indemnity. £7,848.89. £7,848.89. Legal protection. £4,435.42. £4,435.42. Crisis containment. £9,995.57. Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy . Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government increase in Insurance Premium Tax as shown. Is our information correct? Your premium and cover are based on what you’ve told us about Stone-Gibbs , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay. . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover. Policy summary for each cover. ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover . As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before 05/01/2024 . We’re here between 8:30am - 5:30pm Monday to Friday . Please note that we can only discuss policy changes with people named on the policy. Why renew with Hiscox. - Reassuring: we offer a range of cover options that can be tailored to your needs. - Flexible: we offer full flexibility to change your policy, with no administration fees . - Award-winning cover : we’ve been named Best Small Business Insurer 7 years running by Start Your Business Magazine . Please click this link for the Hiscox Referral Portal: https://refer.aklamio.com/hiscox/uk?source=postpurchase. Thank you again for choosing Hiscox to insure your business. We hope you and your business have a very successful year. Kind regards. Jon Dye. CEO, Hiscox UK. Business Insurance for the small and the brave. To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre. Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. This email and any files transmitted with it are confidential and intended solely for the use of the individual or entity to whom they are addressed. No one else is authorised to distribute, forward, print, copy or act upon any information contained in this email. If you have received this email in error, please notify the sender. Hiscox Syndicates Limited and Hiscox Insurance Company Limited are authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Hiscox Underwriting Limited, Hiscox Underwriting Services Ltd, Hiscox MGA Ltd and Hiscox ASM Ltd are authorised and regulated by the Financial Conduct Authority. Hiscox Assure SAS is duly registered as an insurance broker with the ORIAS, which is the French Official Registry of Insurance Intermediaries. Hiscox plc is a company registered in England and Wales under company registration number 2837811 and registered office at 1 Great St Helen's, London EC3A 6HX. Hiscox SA is a company registered in Luxembourg at 35 Avenue John F. Kennedy 35F, Luxembourg L-1855, and is authorised by the Commissariat aux Assurances de Luxembourg. It’s time to renew your Hiscox Business Insurance Hiscox Insurance policy number : T8S10BK/WRBA5T Company name: Stone-Gibbs . It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : T8S10BK/WRBA5T Company name: Stone-Gibbs . Your Hiscox Insurance premium Last year’s annual premium: This year’s annual premium The premium includes all applicable insurance premium tax (IPT). £ 4,552.07 £ 4,552.07 . Your Hiscox Insurance premium . Last year’s annual premium: This year’s annual premium £ 4,552.07 £ 4,552.07 . The premium includes all applicable insurance premium tax (IPT). Dear Ms Dr Diana Ferguson . Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 05/01/2024 . Good news; if you want cover to continue with us and to make sure you stay protected by our award-winning cover, you do not need to do anything. We will update your policy onto our latest wording and continue to collect payment using the payment details we have for you. You must read the important information contained in this email and the attached documents Your Hiscox Insurance Premium breakdown The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). The amount shown as last year’s Annual premium will take into account any changes to the cover which may have been made during the last policy period. Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) Professional indemnity £7,848.89 £7,848.89 Legal protection £4,435.42 £4,435.42 Crisis containment £9,995.57 Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government increase in Insurance Premium Tax as shown. Is our information correct? Your premium and cover are based on what you’ve told us about Stone-Gibbs , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover Policy summary for each cover ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before 05/01/2024 . We’re here between 8:30am - 5:30pm Monday to Friday . Please note that we can only discuss policy changes with people named on the policy. Why renew with Hiscox - Reassuring: we offer a range of cover options that can be tailored to your needs - Flexible: we offer full flexibility to change your policy, with no administration fees - Award-winning cover : we’ve been named Best Small Business Insurer 7 years running by Start Your Business Magazine Please click this link for the Hiscox Referral Portal: https://refer.aklamio.com/hiscox/uk?source=postpurchase Thank you again for choosing Hiscox to insure your business. We hope you and your business have a very successful year. Kind regards Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 05/01/2024 . Good news; if you want cover to continue with us and to make sure you stay protected by our award-winning cover, you do not need to do anything. We will update your policy onto our latest wording and continue to collect payment using the payment details we have for you. You must read the important information contained in this email and the attached documents Your Hiscox Insurance Premium breakdown The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). The amount shown as last year’s Annual premium will take into account any changes to the cover which may have been made during the last policy period. Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) Professional indemnity £7,848.89 £7,848.89 Legal protection £4,435.42 £4,435.42 Crisis containment £9,995.57 Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government increase in Insurance Premium Tax as shown. Is our information correct? Your premium and cover are based on what you’ve told us about Stone-Gibbs , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover Policy summary for each cover ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before 05/01/2024 . We’re here between 8:30am - 5:30pm Monday to Friday . Please note that we can only discuss policy changes with people named on the policy. Why renew with Hiscox - Reassuring: we offer a range of cover options that can be tailored to your needs - Flexible: we offer full flexibility to change your policy, with no administration fees - Award-winning cover : we’ve been named Best Small Business Insurer 7 years running by Start Your Business Magazine Please click this link for the Hiscox Referral Portal: https://refer.aklamio.com/hiscox/uk?source=postpurchase Thank you again for choosing Hiscox to insure your business. We hope you and your business have a very successful year. Kind regards Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Your Hiscox Insurance Premium breakdown The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). Cover Professional indemnity Legal protection Crisis containment . Last year’s annual premium (exc IPT) £7,848.89 £4,435.42 £9,995.57 . This year’s annual Premium (exc IPT) £7,848.89 £4,435.42 . Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) . Professional indemnity £7,848.89 £7,848.89 . Legal protection £4,435.42 £4,435.42 . Crisis containment £9,995.57 . Kind regards Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre . Kind regards . Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave . To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre . Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Page / 1 Hiscox Business Insurance Policy wording 17431a - DC565 WORDING 04/17Guide to sectionsIntroduction Policy wordings General terms and conditions Professional indemnity for business management consultants Legal protection Crisis containment Hiscox Business Insurance Policy wording 17431a - DC565 WORDING 04/17IntroductionThank you for choosing Hiscox to protect your business. We hope that the language and layout of this policy wording are clear because we want you to understand the insurance we provide as well as the responsibilities we have to each other. Please read this document, including the policy schedule, policy summary and statement of fact, and let us know as soon as possible if any of the details are shown incorrectly. We always try to deliver to the highest standards of service. Your views are important to us, so if you feel that our service is below the standard you would expect from Hiscox, please contact us on the phone number shown in your policy schedule. Please note that some of the words we use in this insurance are shown in bold type. These words are defined in each section of the wording. Page / 1 Hiscox Insurance Payment schedule Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Thank you for continuing to pay for your policy by Direct Debit. Please 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 Diana Ferguson Frequency of collection: Annual Sort code: %BANK_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 21 June, 2023 £4,552.07 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: T8S10BK/WRBA5T If you have any questions about your policy or payments, please call us on 0800 280 0351. We’re here between 8:30am - 5:30pm Monday to Friday or you can email us at service@hiscox.co.uk. Using your personal information Hiscox isa trading name ofa number of Hiscox companies. The specific company acting asa data controller of your personal information will be listed in the documentation we provide to you. If you are unsure you can also contact us at anytime by telephoning 01904 681198 or by emailing us at dataprotectionofficer@hiscox.com. We collect and process information about you in order to provide insurance policies and to process claims. Your information is also used for business purposes such as fraud prevention and detection and financial management. This may involve sharing your information with, and obtaining information about you from, our group companies and third parties such as brokers, loss adjusters, credit reference agencies, service providers, professional advisors, our regulators or fraud prevention agencies. We may record telephone calls to help us monitor and improve the service we provide. For further information on how your information is used and your rights in relation to your information please see our privacy policy at www.hiscox.co.uk/cookies-privacy. The Direct Debit Guarantee This Guarantee is offered by all banks and building societies that accept instructions to pay Direct Debits. If there are any changes to the amount, date or frequency of your Direct Debit Hiscox Underwriting Ltd will notify you ten working days in advance of your account being debited or as otherwise agreed. If you request Hiscox Underwriting Ltd to collect a payment, confirmation of the amount and date will be given to you at the time of the request. If an error is made in the payment of your Direct Debit by Hiscox Underwriting Ltd or your bank or building society you are entitled to a full and immediate refund of the amount paid from your bank or building society. – If you receive a refund you are not entitled to, you must pay it back when Hiscox Underwriting Ltd asks you to. You can cancel a Direct Debit at anytime by simply contacting your bank or building society. Written confirmation maybe required. Please also notify us. Page / 1 Hiscox Business Insurance Policy summary JAC-PSC-UK-DC556(5.4) 17431b 07/20 Your Hiscox Business Insurance policy summaries This document contains the summaries for any policy covers you have selected to protect your business. These summaries outline the key information about your policies so you can be confident that you have understood what you have bought and what you are covered for. However, you should carefully read your policy in full and ensure that you understand its terms and conditions in full. If you have any queries, you should contact Hiscox or your insurance advisor. Your side of the bargain Remember, your premium and insurance are based on the details you have provided to us. Please make sure this information accurately reflects your business and that you inform us immediately if anything needs to change. Please also tell us of any changes in circumstances that may affect the services provided by us or the cover provided by your policy. This is particularly important before taking out a policy, but it also applies throughout the life of the policy too. You need to consider: ■if you fail to fairly present the risk to us, including by failing to disclose any information material to the insurance, you could invalidate the policy, claims may not be paid or the amount we pay maybe reduced; ■you should read and check all insurance documents to ensure that you are aware of the cover, limits and other terms that apply; ■if you fail to let us know of any changes to your circumstances during the period of insurance or, if when telling us about such changes you fail to present the risk to us fairly, you could invalidate the policy, claims may not be paid or the amount we pay maybe reduced; ■please be aware of all terms and conditions of your policy because failure to comply with them could invalidate it or result in us not paying a claim or reducing the amount we pay; ■in the event ofa claim, you should take note of the required procedures, such as giving Hiscox prompt notice of the claims, as stated in the policy documentation. In particular, if you fail to notify us when you first become aware ofa shortcoming, fact, or problem, admit you are liable for what has happened or appoint solicitors or other legal representation without our prior written approval, claims or defence costs may not be paid or the amount we pay maybe reduced; ■as with any insurance, you have an obligation to take reasonable steps to mitigate any loss or liability; ■if you make a fraudulent claim or try to deceive us, we may terminate the policy. Policy length The period of insurance is shown on your policy schedule. Your policy schedule will also show if the policy is ona continuing cover basis. If itis ona continuing cover basis, we will renew your policy each year for another 12 months and continue to take payment (including any premium adjustment shown in your renewal invitation) using your existing arrangement, unless you tell us otherwise or if your risk changes. If your policy schedule does not show that the policy is ona continuing cover basis, cover will cease at the end of the period of insurance, unless you renew your policy with us. We will provide you witha statement of fact each year and provided that the information contained within the statement of fact is true, complete and accurate, you do not need to provide us with any further information. If any of the information in your statement of fact is not true, complete and accurate, you must let us know. If you do not let us know, it may affect the validity of the policy or our ability to pay a claim. Retroactive dates, geographical and jurisdiction limits Where any section of your policy schedule includes a retroactive date, we will not make any payment for any claim or loss under that section which arises from any activity performed or any act, incident or occurrence taking place, before the retroactive date. Where any section of your policy schedule shows the geographical limits which apply to that section of the policy, we will only pay for claims and losses under that section which arise from activities performed or acts, incidents or occurrences taking place within those geographical limits. Where any section provides cover in respect of your liability to third parties, we will only cover claims first made ina country within the applicable courts stated in that section of your policy schedule. Hiscox Business Insurance Policy summary JAC-PSC-UK-DC556(5.4) 17431b 07/20 Cancellation rights You can cancel this policy by giving us 30 days' notice. You will only be charged for the premiums due up to the date of cancellation. If we need to cancel the policy, we’ll give you 30 days’ notice in writing and refund any surplus premiums you might have paid. Please note – we may deduct an administration fee from any refunded payment.There is an exception to our 30-day notice period, which is triggered when we don’t receive your Direct Debit payments within the agreed 14-day period. At this point, we will contact you as soon as possible and stop the policyPage / 2 immediately. Underwritten by:Hiscox Underwriting Ltd on behalf of the insurers named in the schedule. Page / 1 Certificate of professional indemnity insurance Stone-Gibbs Hiscox Underwriting Ltd of 1 Great St. Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Certificate of professional indemnity Insurance Policy number:T8S10BK/WRBA5T Name of policy holder:Stone-Gibbs Period of insurance: From 05/01/2024 to Thu 14 August, 2025 both days inclusive. This policy isa Continuing cover policy Insurer: Hiscox Insurance Company Limited Retroactive date: Sunday 17 January, 2021 Level of cover:£1,000,000 Signed on behalf of Hiscox Underwriting Limited as agent for the insurers Jon Dye CEO, Hiscox UK Notes: (a) This insurance is subject to policy terms and conditions and any special terms notified to the InsuredPage / 1 Hiscox Business Insurance Policy Schedule 14502 10/18 This schedule tells you what is insured with us. It should be read carefully with your policy wording(s) and statement of fact detailed elsewhere in this document. Schedule effective date: 05/01/2024 Insurance details Policy number: T8S10BK/WRBA5T Period of insurance: From 05/01/2024 to Thu 14 August, 2025 both days inclusive. This policy isa Continuing cover policy. Insured: Stone-Gibbs Address: 8 Knowles mission Amyton FARNHAM L0 8BA Additional insureds: None Business: Management Consultants Premium details Charged premium – the total amount you’ll pay for this policy. Charged premium: £3,402.56 Insurance Premium Tax (IPT): £3,064.92 Total charged premium: £4,552.07 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: £3,402.56 Insurance Premium Tax (IPT): £3,064.92 Annual total: £4,552.07 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 £7,848.89 Legal protection £100,000 £0 £4,435.42 Crisis containment £25,000 - £9,995.57 The figures above are in summary only and are not in addition to the amount insured specified against each cover section below. Hiscox Business Insurance Policy Schedule 14502 10/18 SECTION: PROFESSIONAL INDEMNITY – MANAGEMENT CONSULTANTS Cover start date: 05/01/2024 Limit of indemnity £1,000,000 Limit applies to in the aggregate, including all costs Excess £1,000 Excess applies to each and every claim or loss, including all costs Geographical limits Worldwide Applicable courts Worldwide (excluding United States of America and Canada) Claims brought in USA or Canada Not covered Additional covers (in addition to overall limit of indemnity stated above) Cover Limit of indemnity Limit applies to Court attendance compensation - employees £250 per person, per day Court attendance compensation - directors and partners£500 per person, per day Court attendance compensation: in total £100,000 in the aggregate Special limits (included within not in addition to the overall limit of indemnity stated above) Cover Limit of indemnity Limit applies to Personal dataPage / 2 claims £250,000 in the aggregate, including all costs Business activities Business management consultant Retroactive date Sunday 17 January, 2021 Insurer Hiscox Insurance Company LimitedPage / 1 Hiscox Insurance Summary of change Introduction This document has been created to help you understand the key changes to your Hiscox Insurance policy and how they may impact you. Your policy continues to offer professional, tailored insurance to protect you and give you peace of mind that if you need us, you will be supported by our award winning claims team. If you have a query not covered by this document, or if you have any questions or concerns about your policy you should contact us. Frequently asked questions What if my circumstances change during the period of insurance? If your circumstances change during the period of insurance, you only need to let us know if the change means that any of the information in the Statement of Fact is no longer true, complete and accurate. If there are no such changes, you do not need to let us know. If any of the information within the Statement of Fact becomes no longer complete, true or accurate at any point during the period of insurance you must tell us as it may affect the validity of the policy or our ability to pay a claim. Additionally, if your contact details change then you should let us know straightaway. Where doI find the limits that apply to my policy? You can find your maximum allowable limits for turnover and wage rollin your Statement of Fact. You must check this information and tell us or your broker if you expect to exceed the maximum amounts shown. Please note these values may have changed. If there are special limits or special excesses applying to particular covers or types of losses these will be shown in the policy schedule. Please check your policy schedule carefully as they may have changed. My new schedule shows a different premium to last year? What has changed? If an underwriter has reviewed your policy then they may have manually adjusted your premium, for example if you’ve had claims in the last 12 months. Where doI find out about any endorsements on my policy? You will be able to see if an endorsement has been applied or removed by reviewing your Policy Schedule. If you have any queries or concerns, please contact us or your broker if you have one. Hiscox Insurance Summary of change Professional indemnity for business management consultants Summary of change Changes to the cover The following table shows the differences between our new policy wordings (5570 WD- PROF-UK-MAN(7), 15579 WD-PROF-UK-MAN-AG(3)) and our previous wordings (5570 WD-PROF-UK-MAN(6), 15579 WD-PROF-UK-MAN-AG(2)). This isa summary of the changes only. You should refer to the schedule and policy wording for the full description of the cover in place. Area of cover Previous policy New policy Improvement in cover Claims against you Advertising claims. We will pay claims arising from your advertising or branding for defamation or infringement of copyright or moral rights. This does not include claims for passing off, unauthorised use of trademarks or false or misleading advertising. Previously cover was not restricted to defamation or the infringement of copyright or moral rights.Covered Amended Your own lossesChanges to ‘what is covered’ Losses from dishonesty. Your losses arising from the dishonesty of your employees, sub-contractors or outsourcers.Covered Not covered Area of cover Previous policy New policy Improvement in cover Cyber incident. We will not pay claims relating to an actual or possible cyber attack, hacker or social engineering communication. Previously we excluded any virus not specifically targeted at your system.Covered Not covered Computer or digital technology error. We will not pay claims arising from any negligent act, error or omission in the operation or maintenance of computer or digital technology such as development, installation, patching or upgrading.Covered Not coveredChanges to ‘what is not covered’ Infrastructure. We will not pay claims arising from the failure of the service provided by internet, telecommunications, utilities or other infrastructure providers.Covered Not covered Hiscox Insurance Summary of change Personal data. We will not pay claims relating to personal data. We will pay such claims where they arise from your performance ofa business activity and which is not otherwise excluded. Subject to the limit shown in the schedule.Covered Not covered Other important changes Control of defence. Under the previous wording we had a duty to defend you against any covered claim brought against you. We now have the right but not the obligation to take control of the conduct of the claim including the appointment of legal representation. Please refer to the policy wording for full details. SOC-PROF-UK-MAN(1) 21367 01/21	T8S10BK/WRBA5T	(?<=Policy number - )[-\w_\/\.]+?(?= Company name)	05/01/2024	(?<=anniversary of your policy is approaching on )[-\w_\/\. ,]+?(?= \.)	null	null	Business	(?<=time to renew your Hiscox )[-\w_\/\. ]+?(?= Insurance)	2024-02-05
hiscox-business-1	Hiscox Business Insurance - Policy number - judxcra.aknh Company name: Wallace, Green and Watson It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : judxcra.aknh. Company name: Wallace, Green and Watson. Your Hiscox Insurance premium. Last year’s annual premium: This year’s annual premium. £ 8,321.40. £ 8,321.40. The premium includes all applicable insurance premium tax (IPT). Dear Miss Carolyn Ward. Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on Thursday 11 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. £4,656.04. £4,656.04. Legal protection. £8,363.62. £8,363.62. Crisis containment. £1,143.43. Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy . Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government increase in Insurance Premium Tax as shown. Is our information correct? Your premium and cover are based on what you’ve told us about Wallace, Green and Watson , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay. . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover. Policy summary for each cover. ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover . As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before Thursday 11 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 : judxcra.aknh Company name: Wallace, Green and Watson . It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : judxcra.aknh Company name: Wallace, Green and Watson . Your Hiscox Insurance premium Last year’s annual premium: This year’s annual premium The premium includes all applicable insurance premium tax (IPT). £ 8,321.40 £ 8,321.40 . Your Hiscox Insurance premium . Last year’s annual premium: This year’s annual premium £ 8,321.40 £ 8,321.40 . The premium includes all applicable insurance premium tax (IPT). Dear Miss Carolyn Ward . Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on Thursday 11 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 £4,656.04 £4,656.04 Legal protection £8,363.62 £8,363.62 Crisis containment £1,143.43 Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government increase in Insurance Premium Tax as shown. Is our information correct? Your premium and cover are based on what you’ve told us about Wallace, Green and Watson , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover Policy summary for each cover ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before Thursday 11 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 Thursday 11 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 £4,656.04 £4,656.04 Legal protection £8,363.62 £8,363.62 Crisis containment £1,143.43 Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government increase in Insurance Premium Tax as shown. Is our information correct? Your premium and cover are based on what you’ve told us about Wallace, Green and Watson , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover Policy summary for each cover ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before Thursday 11 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) £4,656.04 £8,363.62 £1,143.43 . This year’s annual Premium (exc IPT) £4,656.04 £8,363.62 . Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) . Professional indemnity £4,656.04 £4,656.04 . Legal protection £8,363.62 £8,363.62 . Crisis containment £1,143.43 . Kind regards Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre . Kind regards . Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave . To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre . Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Page / 1 Hiscox Business Insurance Policy wording 17431a - DC565 WORDING 04/17Guide to sectionsIntroduction Policy wordings General terms and conditions Professional indemnity for business management consultants Legal protection Crisis containment Hiscox Business Insurance Policy wording 17431a - DC565 WORDING 04/17IntroductionThank you for choosing Hiscox to protect your business. We hope that the language and layout of this policy wording are clear because we want you to understand the insurance we provide as well as the responsibilities we have to each other. Please read this document, including the policy schedule, policy summary and statement of fact, and let us know as soon as possible if any of the details are shown incorrectly. We always try to deliver to the highest standards of service. Your views are important to us, so if you feel that our service is below the standard you would expect from Hiscox, please contact us on the phone number shown in your policy schedule. Please note that some of the words we use in this insurance are shown in bold type. These words are defined in each section of the wording. Page / 1 Hiscox Insurance Payment schedule Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Thank you for continuing to pay for your policy by Direct Debit. Please 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 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 Wednesday 16 April, 2025 £8,321.40 Where your chosen collection date falls ona non-working day then we will endeavour to collect the next working day. For your information, the collections will be made using the following reference number: Originator Identification Number: 293461 Reference Number: judxcra.aknh If you have any questions about your policy or payments, please call us on 0800 280 0351. We’re here between 8:30am - 5:30pm Monday to Friday or you can email us at service@hiscox.co.uk. Using your personal information Hiscox isa trading name ofa number of Hiscox companies. The specific company acting asa data controller of your personal information will be listed in the documentation we provide to you. If you are unsure you can also contact us at anytime by telephoning 01904 681198 or by emailing us at dataprotectionofficer@hiscox.com. We collect and process information about you in order to provide insurance policies and to process claims. Your information is also used for business purposes such as fraud prevention and detection and financial management. This may involve sharing your information with, and obtaining information about you from, our group companies and third parties such as brokers, loss adjusters, credit reference agencies, service providers, professional advisors, our regulators or fraud prevention agencies. We may record telephone calls to help us monitor and improve the service we provide. For further information on how your information is used and your rights in relation to your information please see our privacy policy at www.hiscox.co.uk/cookies-privacy. The Direct Debit Guarantee This Guarantee is offered by all banks and building societies that accept instructions to pay Direct Debits. If there are any changes to the amount, date or frequency of your Direct Debit Hiscox Underwriting Ltd will notify you ten working days in advance of your account being debited or as otherwise agreed. If you request Hiscox Underwriting Ltd to collect a payment, confirmation of the amount and date will be given to you at the time of the request. If an error is made in the payment of your Direct Debit by Hiscox Underwriting Ltd or your bank or building society you are entitled to a full and immediate refund of the amount paid from your bank or building society. – If you receive a refund you are not entitled to, you must pay it back when Hiscox Underwriting Ltd asks you to. You can cancel a Direct Debit at anytime by simply contacting your bank or building society. Written confirmation maybe required. Please also notify us. Page / 1 Hiscox Business Insurance Policy summary JAC-PSC-UK-DC556(5.4) 17431b 07/20 Your Hiscox Business Insurance policy summaries This document contains the summaries for any policy covers you have selected to protect your business. These summaries outline the key information about your policies so you can be confident that you have understood what you have bought and what you are covered for. However, you should carefully read your policy in full and ensure that you understand its terms and conditions in full. If you have any queries, you should contact Hiscox or your insurance advisor. Your side of the bargain Remember, your premium and insurance are based on the details you have provided to us. Please make sure this information accurately reflects your business and that you inform us immediately if anything needs to change. Please also tell us of any changes in circumstances that may affect the services provided by us or the cover provided by your policy. This is particularly important before taking out a policy, but it also applies throughout the life of the policy too. You need to consider: ■if you fail to fairly present the risk to us, including by failing to disclose any information material to the insurance, you could invalidate the policy, claims may not be paid or the amount we pay maybe reduced; ■you should read and check all insurance documents to ensure that you are aware of the cover, limits and other terms that apply; ■if you fail to let us know of any changes to your circumstances during the period of insurance or, if when telling us about such changes you fail to present the risk to us fairly, you could invalidate the policy, claims may not be paid or the amount we pay maybe reduced; ■please be aware of all terms and conditions of your policy because failure to comply with them could invalidate it or result in us not paying a claim or reducing the amount we pay; ■in the event ofa claim, you should take note of the required procedures, such as giving Hiscox prompt notice of the claims, as stated in the policy documentation. In particular, if you fail to notify us when you first become aware ofa shortcoming, fact, or problem, admit you are liable for what has happened or appoint solicitors or other legal representation without our prior written approval, claims or defence costs may not be paid or the amount we pay maybe reduced; ■as with any insurance, you have an obligation to take reasonable steps to mitigate any loss or liability; ■if you make a fraudulent claim or try to deceive us, we may terminate the policy. Policy length The period of insurance is shown on your policy schedule. Your policy schedule will also show if the policy is ona continuing cover basis. If itis ona continuing cover basis, we will renew your policy each year for another 12 months and continue to take payment (including any premium adjustment shown in your renewal invitation) using your existing arrangement, unless you tell us otherwise or if your risk changes. If your policy schedule does not show that the policy is ona continuing cover basis, cover will cease at the end of the period of insurance, unless you renew your policy with us. We will provide you witha statement of fact each year and provided that the information contained within the statement of fact is true, complete and accurate, you do not need to provide us with any further information. If any of the information in your statement of fact is not true, complete and accurate, you must let us know. If you do not let us know, it may affect the validity of the policy or our ability to pay a claim. Retroactive dates, geographical and jurisdiction limits Where any section of your policy schedule includes a retroactive date, we will not make any payment for any claim or loss under that section which arises from any activity performed or any act, incident or occurrence taking place, before the retroactive date. Where any section of your policy schedule shows the geographical limits which apply to that section of the policy, we will only pay for claims and losses under that section which arise from activities performed or acts, incidents or occurrences taking place within those geographical limits. Where any section provides cover in respect of your liability to third parties, we will only cover claims first made ina country within the applicable courts stated in that section of your policy schedule. Hiscox Business Insurance Policy summary JAC-PSC-UK-DC556(5.4) 17431b 07/20 Cancellation rights You can cancel this policy by giving us 30 days' notice. You will only be charged for the premiums due up to the date of cancellation. If we need to cancel the policy, we’ll give you 30 days’ notice in writing and refund any surplus premiums you might have paid. Please note – we may deduct an administration fee from any refunded payment.There is an exception to our 30-day notice period, which is triggered when we don’t receive your Direct Debit payments within the agreed 14-day period. At this point, we will contact you as soon as possible and stop the policyPage / 2 immediately. Underwritten by:Hiscox Underwriting Ltd on behalf of the insurers named in the schedule. Page / 1 Certificate of professional indemnity insurance Wallace, Green and Watson Hiscox Underwriting Ltd of 1 Great St. Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Certificate of professional indemnity Insurance Policy number:judxcra.aknh Name of policy holder:Wallace, Green and Watson Period of insurance: From Thursday 11 December, 2025 to 07 February, 2025 both days inclusive. This policy isa Continuing cover policy Insurer: Hiscox Insurance Company Limited Retroactive date: Friday 20 June, 2025 Level of cover:£1,000,000 Signed on behalf of Hiscox Underwriting Limited as agent for the insurers Jon Dye CEO, Hiscox UK Notes: (a) This insurance is subject to policy terms and conditions and any special terms notified to the InsuredPage / 1 Hiscox Business Insurance Policy Schedule 14502 10/18 This schedule tells you what is insured with us. It should be read carefully with your policy wording(s) and statement of fact detailed elsewhere in this document. Schedule effective date: Thursday 11 December, 2025 Insurance details Policy number: judxcra.aknh Period of insurance: From Thursday 11 December, 2025 to 07 February, 2025 both days inclusive. This policy isa Continuing cover policy. Insured: Wallace, Green and Watson Address: Studio 93W Richard mission East Ronaldstad FARNHAM CB7 3WB Additional insureds: None Business: Management Consultants Premium details Charged premium – the total amount you’ll pay for this policy. Charged premium: £4,992.70 Insurance Premium Tax (IPT): £1,270.86 Total charged premium: £8,321.40 Annualised premium – the annual premium for this policy. This is given for comparison purposes. Please refer to the charged premium section for the amount you’ll pay for the policy. Annual premium: £4,992.70 Insurance Premium Tax (IPT): £1,270.86 Annual total: £8,321.40 Please note that there will be no refund or additional premium for any transaction which is less than £20 (excluding IPT). Hiscox Business Insurance Policy Schedule 14502 10/18 Summary Claims information If you need to make a claim: - For claims relating to your building or contents please contact our claims team on 0800 247 1902, 9.00am – 5:30pm Monday to Friday. If you wish to make a claim online, you can log most claims quickly and easily through our claims notification portal at https://claims.hiscox.co.uk/. Outside of normal business hours, if you require emergency assistance in relation to substantial damage to your property, you can speak to our 24-hour emergency assistance team using the telephone number above. Your policy schedule will state if property cover is included in your policy. Our out-of-hours emergency assistance team operate ona pay-and-claim basis and you will need to have credit card details available as appropriate. The team will then be able to direct you to essential tradesmen, emergency loss adjusters or disaster management companies in the event of substantial damage. - If there isa claim (or potential claim) against you bya third party, please email us at liability.claims@hiscox.com. If you need to speak to a member of the claims team urgently, please call our team on 0800 711 7156, 9.00am – 5:30pm Monday to Friday. If you wish to make a claim online, you can log most claims quickly and easily through our claims notification portal at https://claims.hiscox.co.uk/. You will need to provide your full name and contact details, the name of your business or organisation, your address and postcode, the policy reference and circumstances of the claim. The Important information and contact details section below contains additional information specific to the covers applicable to your policy. If you are unsure of who to contact please call our team on 0800 711 7156, 9.00am – 5:30pm Monday to Friday. They will ensure you get through to the correct claims team and let you know what actions you need to take. If anything happens that might be covered under the policy, you must comply with the obligations set out in General claims conditions, together with the obligations set out under Your obligations in the section or sections under which you are making the claim. Itis important that you read the policy for details of its terms in full. Your covers This isa summary of each section of your policy. See each section for cover details. Cover Insurance amount Excess Annual Premium (exc IPT) Professional indemnity £1,000,000 £1,000 £4,656.04 Legal protection £100,000 £0 £8,363.62 Crisis containment £25,000 - £1,143.43 The figures above are in summary only and are not in addition to the 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 11 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 dataPage / 2 claims £250,000 in the aggregate, including all costs Business activities Business management consultant Retroactive date Friday 20 June, 2025 Insurer Hiscox Insurance Company LimitedPage / 1 Hiscox Insurance Summary of change Introduction This document has been created to help you understand the key changes to your Hiscox Insurance policy and how they may impact you. Your policy continues to offer professional, tailored insurance to protect you and give you peace of mind that if you need us, you will be supported by our award winning claims team. If you have a query not covered by this document, or if you have any questions or concerns about your policy you should contact us. Frequently asked questions What if my circumstances change during the period of insurance? If your circumstances change during the period of insurance, you only need to let us know if the change means that any of the information in the Statement of Fact is no longer true, complete and accurate. If there are no such changes, you do not need to let us know. If any of the information within the Statement of Fact becomes no longer complete, true or accurate at any point during the period of insurance you must tell us as it may affect the validity of the policy or our ability to pay a claim. Additionally, if your contact details change then you should let us know straightaway. Where doI find the limits that apply to my policy? You can find your maximum allowable limits for turnover and wage rollin your Statement of Fact. You must check this information and tell us or your broker if you expect to exceed the maximum amounts shown. Please note these values may have changed. If there are special limits or special excesses applying to particular covers or types of losses these will be shown in the policy schedule. Please check your policy schedule carefully as they may have changed. My new schedule shows a different premium to last year? What has changed? If an underwriter has reviewed your policy then they may have manually adjusted your premium, for example if you’ve had claims in the last 12 months. Where doI find out about any endorsements on my policy? You will be able to see if an endorsement has been applied or removed by reviewing your Policy Schedule. If you have any queries or concerns, please contact us or your broker if you have one. Hiscox Insurance Summary of change Professional indemnity for business management consultants Summary of change Changes to the cover The following table shows the differences between our new policy wordings (5570 WD- PROF-UK-MAN(7), 15579 WD-PROF-UK-MAN-AG(3)) and our previous wordings (5570 WD-PROF-UK-MAN(6), 15579 WD-PROF-UK-MAN-AG(2)). This isa summary of the changes only. You should refer to the schedule and policy wording for the full description of the cover in place. Area of cover Previous policy New policy Improvement in cover Claims against you Advertising claims. We will pay claims arising from your advertising or branding for defamation or infringement of copyright or moral rights. This does not include claims for passing off, unauthorised use of trademarks or false or misleading advertising. Previously cover was not restricted to defamation or the infringement of copyright or moral rights.Covered Amended Your own lossesChanges to ‘what is covered’ Losses from dishonesty. Your losses arising from the dishonesty of your employees, sub-contractors or outsourcers.Covered Not covered Area of cover Previous policy New policy Improvement in cover Cyber incident. We will not pay claims relating to an actual or possible cyber attack, hacker or social engineering communication. Previously we excluded any virus not specifically targeted at your system.Covered Not covered Computer or digital technology error. We will not pay claims arising from any negligent act, error or omission in the operation or maintenance of computer or digital technology such as development, installation, patching or upgrading.Covered Not coveredChanges to ‘what is not covered’ Infrastructure. We will not pay claims arising from the failure of the service provided by internet, telecommunications, utilities or other infrastructure providers.Covered Not covered Hiscox Insurance Summary of change Personal data. We will not pay claims relating to personal data. We will pay such claims where they arise from your performance ofa business activity and which is not otherwise excluded. Subject to the limit shown in the schedule.Covered Not covered Other important changes Control of defence. Under the previous wording we had a duty to defend you against any covered claim brought against you. We now have the right but not the obligation to take control of the conduct of the claim including the appointment of legal representation. Please refer to the policy wording for full details. SOC-PROF-UK-MAN(1) 21367 01/21	judxcra.aknh	(?<=Policy number - )[-\w_\/\.]+?(?= Company name)	Thursday 11 December, 2025	(?<=anniversary of your policy is approaching on )[-\w_\/\. ,]+?(?= \.)	null	null	Business	(?<=time to renew your Hiscox )[-\w_\/\. ]+?(?= Insurance)	2024-02-05
hiscox-business-1	Hiscox Business Insurance - Policy number - 6GBZE1/41 Company name: Holmes, Edwards and Wilson It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : 6GBZE1/41. Company name: Holmes, Edwards and Wilson. Your Hiscox Insurance premium. Last year’s annual premium: This year’s annual premium. £ 1,200.87. £ 1,200.87. The premium includes all applicable insurance premium tax (IPT). Dear Mrs Iain Hughes. Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on Wednesday 18 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. £9,473.10. £9,473.10. Legal protection. £4,116.32. £4,116.32. Crisis containment. £8,887.50. Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy . Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government increase in Insurance Premium Tax as shown. Is our information correct? Your premium and cover are based on what you’ve told us about Holmes, Edwards and Wilson , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay. . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover. Policy summary for each cover. ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover . As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before Wednesday 18 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 : 6GBZE1/41 Company name: Holmes, Edwards and Wilson . It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : 6GBZE1/41 Company name: Holmes, Edwards and Wilson . Your Hiscox Insurance premium Last year’s annual premium: This year’s annual premium The premium includes all applicable insurance premium tax (IPT). £ 1,200.87 £ 1,200.87 . Your Hiscox Insurance premium . Last year’s annual premium: This year’s annual premium £ 1,200.87 £ 1,200.87 . The premium includes all applicable insurance premium tax (IPT). Dear Mrs Iain Hughes . Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on Wednesday 18 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 £9,473.10 £9,473.10 Legal protection £4,116.32 £4,116.32 Crisis containment £8,887.50 Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government increase in Insurance Premium Tax as shown. Is our information correct? Your premium and cover are based on what you’ve told us about Holmes, Edwards and Wilson , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover Policy summary for each cover ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before Wednesday 18 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 Wednesday 18 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 £9,473.10 £9,473.10 Legal protection £4,116.32 £4,116.32 Crisis containment £8,887.50 Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government increase in Insurance Premium Tax as shown. Is our information correct? Your premium and cover are based on what you’ve told us about Holmes, Edwards and Wilson , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover Policy summary for each cover ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before Wednesday 18 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) £9,473.10 £4,116.32 £8,887.50 . This year’s annual Premium (exc IPT) £9,473.10 £4,116.32 . Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) . Professional indemnity £9,473.10 £9,473.10 . Legal protection £4,116.32 £4,116.32 . Crisis containment £8,887.50 . Kind regards Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre . Kind regards . Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave . To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre . Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Page / 1 Hiscox Business Insurance Policy wording 17431a - DC565 WORDING 04/17Guide to sectionsIntroduction Policy wordings General terms and conditions Professional indemnity for business management consultants Legal protection Crisis containment Hiscox Business Insurance Policy wording 17431a - DC565 WORDING 04/17IntroductionThank you for choosing Hiscox to protect your business. We hope that the language and layout of this policy wording are clear because we want you to understand the insurance we provide as well as the responsibilities we have to each other. Please read this document, including the policy schedule, policy summary and statement of fact, and let us know as soon as possible if any of the details are shown incorrectly. We always try to deliver to the highest standards of service. Your views are important to us, so if you feel that our service is below the standard you would expect from Hiscox, please contact us on the phone number shown in your policy schedule. Please note that some of the words we use in this insurance are shown in bold type. These words are defined in each section of the wording. Page / 1 Hiscox Insurance Payment schedule Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Thank you for continuing to pay for your policy by Direct Debit. Please check these details and let us know if anything is incorrect or if the schedule is not suitable. Your reference details Account holder name: Iain 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 10 June, 2022 £1,200.87 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: 6GBZE1/41 If you have any questions about your policy or payments, please call us on 0800 280 0351. We’re here between 8:30am - 5:30pm Monday to Friday or you can email us at service@hiscox.co.uk. Using your personal information Hiscox isa trading name ofa number of Hiscox companies. The specific company acting asa data controller of your personal information will be listed in the documentation we provide to you. If you are unsure you can also contact us at anytime by telephoning 01904 681198 or by emailing us at dataprotectionofficer@hiscox.com. We collect and process information about you in order to provide insurance policies and to process claims. Your information is also used for business purposes such as fraud prevention and detection and financial management. This may involve sharing your information with, and obtaining information about you from, our group companies and third parties such as brokers, loss adjusters, credit reference agencies, service providers, professional advisors, our regulators or fraud prevention agencies. We may record telephone calls to help us monitor and improve the service we provide. For further information on how your information is used and your rights in relation to your information please see our privacy policy at www.hiscox.co.uk/cookies-privacy. The Direct Debit Guarantee This Guarantee is offered by all banks and building societies that accept instructions to pay Direct Debits. If there are any changes to the amount, date or frequency of your Direct Debit Hiscox Underwriting Ltd will notify you ten working days in advance of your account being debited or as otherwise agreed. If you request Hiscox Underwriting Ltd to collect a payment, confirmation of the amount and date will be given to you at the time of the request. If an error is made in the payment of your Direct Debit by Hiscox Underwriting Ltd or your bank or building society you are entitled to a full and immediate refund of the amount paid from your bank or building society. – If you receive a refund you are not entitled to, you must pay it back when Hiscox Underwriting Ltd asks you to. You can cancel a Direct Debit at anytime by simply contacting your bank or building society. Written confirmation maybe required. Please also notify us. Page / 1 Hiscox Business Insurance Policy summary JAC-PSC-UK-DC556(5.4) 17431b 07/20 Your Hiscox Business Insurance policy summaries This document contains the summaries for any policy covers you have selected to protect your business. These summaries outline the key information about your policies so you can be confident that you have understood what you have bought and what you are covered for. However, you should carefully read your policy in full and ensure that you understand its terms and conditions in full. If you have any queries, you should contact Hiscox or your insurance advisor. Your side of the bargain Remember, your premium and insurance are based on the details you have provided to us. Please make sure this information accurately reflects your business and that you inform us immediately if anything needs to change. Please also tell us of any changes in circumstances that may affect the services provided by us or the cover provided by your policy. This is particularly important before taking out a policy, but it also applies throughout the life of the policy too. You need to consider: ■if you fail to fairly present the risk to us, including by failing to disclose any information material to the insurance, you could invalidate the policy, claims may not be paid or the amount we pay maybe reduced; ■you should read and check all insurance documents to ensure that you are aware of the cover, limits and other terms that apply; ■if you fail to let us know of any changes to your circumstances during the period of insurance or, if when telling us about such changes you fail to present the risk to us fairly, you could invalidate the policy, claims may not be paid or the amount we pay maybe reduced; ■please be aware of all terms and conditions of your policy because failure to comply with them could invalidate it or result in us not paying a claim or reducing the amount we pay; ■in the event ofa claim, you should take note of the required procedures, such as giving Hiscox prompt notice of the claims, as stated in the policy documentation. In particular, if you fail to notify us when you first become aware ofa shortcoming, fact, or problem, admit you are liable for what has happened or appoint solicitors or other legal representation without our prior written approval, claims or defence costs may not be paid or the amount we pay maybe reduced; ■as with any insurance, you have an obligation to take reasonable steps to mitigate any loss or liability; ■if you make a fraudulent claim or try to deceive us, we may terminate the policy. Policy length The period of insurance is shown on your policy schedule. Your policy schedule will also show if the policy is ona continuing cover basis. If itis ona continuing cover basis, we will renew your policy each year for another 12 months and continue to take payment (including any premium adjustment shown in your renewal invitation) using your existing arrangement, unless you tell us otherwise or if your risk changes. If your policy schedule does not show that the policy is ona continuing cover basis, cover will cease at the end of the period of insurance, unless you renew your policy with us. We will provide you witha statement of fact each year and provided that the information contained within the statement of fact is true, complete and accurate, you do not need to provide us with any further information. If any of the information in your statement of fact is not true, complete and accurate, you must let us know. If you do not let us know, it may affect the validity of the policy or our ability to pay a claim. Retroactive dates, geographical and jurisdiction limits Where any section of your policy schedule includes a retroactive date, we will not make any payment for any claim or loss under that section which arises from any activity performed or any act, incident or occurrence taking place, before the retroactive date. Where any section of your policy schedule shows the geographical limits which apply to that section of the policy, we will only pay for claims and losses under that section which arise from activities performed or acts, incidents or occurrences taking place within those geographical limits. Where any section provides cover in respect of your liability to third parties, we will only cover claims first made ina country within the applicable courts stated in that section of your policy schedule. Hiscox Business Insurance Policy summary JAC-PSC-UK-DC556(5.4) 17431b 07/20 Cancellation rights You can cancel this policy by giving us 30 days' notice. You will only be charged for the premiums due up to the date of cancellation. If we need to cancel the policy, we’ll give you 30 days’ notice in writing and refund any surplus premiums you might have paid. Please note – we may deduct an administration fee from any refunded payment.There is an exception to our 30-day notice period, which is triggered when we don’t receive your Direct Debit payments within the agreed 14-day period. At this point, we will contact you as soon as possible and stop the policyPage / 2 immediately. Underwritten by:Hiscox Underwriting Ltd on behalf of the insurers named in the schedule. Page / 1 Certificate of professional indemnity insurance Holmes, Edwards and Wilson Hiscox Underwriting Ltd of 1 Great St. Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Certificate of professional indemnity Insurance Policy number:6GBZE1/41 Name of policy holder:Holmes, Edwards and Wilson Period of insurance: From Wednesday 18 January, 2023 to Friday 20 January, 2023 both days inclusive. This policy isa Continuing cover policy Insurer: Hiscox Insurance Company Limited Retroactive date: 2021-06-23 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: Wednesday 18 January, 2023 Insurance details Policy number: 6GBZE1/41 Period of insurance: From Wednesday 18 January, 2023 to Friday 20 January, 2023 both days inclusive. This policy isa Continuing cover policy. Insured: Holmes, Edwards and Wilson Address: Flat 9 Jasmine oval Elizabethton FARNHAM PO5 5JX Additional insureds: None Business: Management Consultants Premium details Charged premium – the total amount you’ll pay for this policy. Charged premium: £6,385.13 Insurance Premium Tax (IPT): £8,774.86 Total charged premium: £1,200.87 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: £6,385.13 Insurance Premium Tax (IPT): £8,774.86 Annual total: £1,200.87 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 £9,473.10 Legal protection £100,000 £0 £4,116.32 Crisis containment £25,000 - £8,887.50 The figures above are in summary only and are not in addition to the 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 18 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 dataPage / 2 claims £250,000 in the aggregate, including all costs Business activities Business management consultant Retroactive date 2021-06-23 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	6GBZE1/41	(?<=Policy number - )[-\w_\/\.]+?(?= Company name)	Wednesday 18 January, 2023	(?<=anniversary of your policy is approaching on )[-\w_\/\. ,]+?(?= \.)	null	null	Business	(?<=time to renew your Hiscox )[-\w_\/\. ]+?(?= Insurance)	2024-02-05
hiscox-business-1	Hiscox Business Insurance - Policy number - GWLZHEEZW_RC Company name: Daly-Gardner It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : GWLZHEEZW_RC. Company name: Daly-Gardner. Your Hiscox Insurance premium. Last year’s annual premium: This year’s annual premium. £ 1,819.79. £ 1,819.79. The premium includes all applicable insurance premium tax (IPT). Dear Miss Liam Stephens. Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on Wednesday 10 February, 2021 . Good news; if you want cover to continue with us and to make sure you stay protected by our award-winning cover, you do not need to do anything. We will update your policy onto our latest wording and continue to collect payment using the payment details we have for you. You must read the important information contained in this email and the attached documents. Your Hiscox Insurance Premium breakdown. The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). The amount shown as last year’s Annual premium will take into account any changes to the cover which may have been made during the last policy period. Cover. Last year’s annual premium (exc IPT). This year’s annual Premium (exc IPT). Professional indemnity. £9,521.58. £9,521.58. Legal protection. £7,749.03. £7,749.03. Crisis containment. £8,818.82. Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy . Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government increase in Insurance Premium Tax as shown. Is our information correct? Your premium and cover are based on what you’ve told us about Daly-Gardner , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay. . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover. Policy summary for each cover. ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover . As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before Wednesday 10 February, 2021 . We’re here between 8:30am - 5:30pm Monday to Friday . Please note that we can only discuss policy changes with people named on the policy. Why renew with Hiscox. - Reassuring: we offer a range of cover options that can be tailored to your needs. - Flexible: we offer full flexibility to change your policy, with no administration fees . - Award-winning cover : we’ve been named Best Small Business Insurer 7 years running by Start Your Business Magazine . Please click this link for the Hiscox Referral Portal: https://refer.aklamio.com/hiscox/uk?source=postpurchase. Thank you again for choosing Hiscox to insure your business. We hope you and your business have a very successful year. Kind regards. Jon Dye. CEO, Hiscox UK. Business Insurance for the small and the brave. To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre. Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. This email and any files transmitted with it are confidential and intended solely for the use of the individual or entity to whom they are addressed. No one else is authorised to distribute, forward, print, copy or act upon any information contained in this email. If you have received this email in error, please notify the sender. Hiscox Syndicates Limited and Hiscox Insurance Company Limited are authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Hiscox Underwriting Limited, Hiscox Underwriting Services Ltd, Hiscox MGA Ltd and Hiscox ASM Ltd are authorised and regulated by the Financial Conduct Authority. Hiscox Assure SAS is duly registered as an insurance broker with the ORIAS, which is the French Official Registry of Insurance Intermediaries. Hiscox plc is a company registered in England and Wales under company registration number 2837811 and registered office at 1 Great St Helen's, London EC3A 6HX. Hiscox SA is a company registered in Luxembourg at 35 Avenue John F. Kennedy 35F, Luxembourg L-1855, and is authorised by the Commissariat aux Assurances de Luxembourg. It’s time to renew your Hiscox Business Insurance Hiscox Insurance policy number : GWLZHEEZW_RC Company name: Daly-Gardner . It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : GWLZHEEZW_RC Company name: Daly-Gardner . Your Hiscox Insurance premium Last year’s annual premium: This year’s annual premium The premium includes all applicable insurance premium tax (IPT). £ 1,819.79 £ 1,819.79 . Your Hiscox Insurance premium . Last year’s annual premium: This year’s annual premium £ 1,819.79 £ 1,819.79 . The premium includes all applicable insurance premium tax (IPT). Dear Miss Liam Stephens . Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on Wednesday 10 February, 2021 . Good news; if you want cover to continue with us and to make sure you stay protected by our award-winning cover, you do not need to do anything. We will update your policy onto our latest wording and continue to collect payment using the payment details we have for you. You must read the important information contained in this email and the attached documents Your Hiscox Insurance Premium breakdown The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). The amount shown as last year’s Annual premium will take into account any changes to the cover which may have been made during the last policy period. Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) Professional indemnity £9,521.58 £9,521.58 Legal protection £7,749.03 £7,749.03 Crisis containment £8,818.82 Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government increase in Insurance Premium Tax as shown. Is our information correct? Your premium and cover are based on what you’ve told us about Daly-Gardner , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover Policy summary for each cover ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before Wednesday 10 February, 2021 . We’re here between 8:30am - 5:30pm Monday to Friday . Please note that we can only discuss policy changes with people named on the policy. Why renew with Hiscox - Reassuring: we offer a range of cover options that can be tailored to your needs - Flexible: we offer full flexibility to change your policy, with no administration fees - Award-winning cover : we’ve been named Best Small Business Insurer 7 years running by Start Your Business Magazine Please click this link for the Hiscox Referral Portal: https://refer.aklamio.com/hiscox/uk?source=postpurchase Thank you again for choosing Hiscox to insure your business. We hope you and your business have a very successful year. Kind regards Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on Wednesday 10 February, 2021 . Good news; if you want cover to continue with us and to make sure you stay protected by our award-winning cover, you do not need to do anything. We will update your policy onto our latest wording and continue to collect payment using the payment details we have for you. You must read the important information contained in this email and the attached documents Your Hiscox Insurance Premium breakdown The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). The amount shown as last year’s Annual premium will take into account any changes to the cover which may have been made during the last policy period. Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) Professional indemnity £9,521.58 £9,521.58 Legal protection £7,749.03 £7,749.03 Crisis containment £8,818.82 Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government increase in Insurance Premium Tax as shown. Is our information correct? Your premium and cover are based on what you’ve told us about Daly-Gardner , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover Policy summary for each cover ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before Wednesday 10 February, 2021 . We’re here between 8:30am - 5:30pm Monday to Friday . Please note that we can only discuss policy changes with people named on the policy. Why renew with Hiscox - Reassuring: we offer a range of cover options that can be tailored to your needs - Flexible: we offer full flexibility to change your policy, with no administration fees - Award-winning cover : we’ve been named Best Small Business Insurer 7 years running by Start Your Business Magazine Please click this link for the Hiscox Referral Portal: https://refer.aklamio.com/hiscox/uk?source=postpurchase Thank you again for choosing Hiscox to insure your business. We hope you and your business have a very successful year. Kind regards Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Your Hiscox Insurance Premium breakdown The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). Cover Professional indemnity Legal protection Crisis containment . Last year’s annual premium (exc IPT) £9,521.58 £7,749.03 £8,818.82 . This year’s annual Premium (exc IPT) £9,521.58 £7,749.03 . Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) . Professional indemnity £9,521.58 £9,521.58 . Legal protection £7,749.03 £7,749.03 . Crisis containment £8,818.82 . Kind regards Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre . Kind regards . Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave . To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre . Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Page / 1 Hiscox Business Insurance Policy wording 17431a - DC565 WORDING 04/17Guide to sectionsIntroduction Policy wordings General terms and conditions Professional indemnity for business management consultants Legal protection Crisis containment Hiscox Business Insurance Policy wording 17431a - DC565 WORDING 04/17IntroductionThank you for choosing Hiscox to protect your business. We hope that the language and layout of this policy wording are clear because we want you to understand the insurance we provide as well as the responsibilities we have to each other. Please read this document, including the policy schedule, policy summary and statement of fact, and let us know as soon as possible if any of the details are shown incorrectly. We always try to deliver to the highest standards of service. Your views are important to us, so if you feel that our service is below the standard you would expect from Hiscox, please contact us on the phone number shown in your policy schedule. Please note that some of the words we use in this insurance are shown in bold type. These words are defined in each section of the wording. Page / 1 Hiscox Insurance Payment schedule Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Thank you for continuing to pay for your policy by Direct Debit. Please 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 Stephens Frequency of collection: Annual Sort code: %BANK_SORT_CODE_1% Account number: %BANK_ACCOUNT_NUMBER_1% Your Direct Debit schedule We will take payments on the dates outlined below: Date Amount 16/12/2024 £1,819.79 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: GWLZHEEZW_RC If you have any questions about your policy or payments, please call us on 0800 280 0351. We’re here between 8:30am - 5:30pm Monday to Friday or you can email us at service@hiscox.co.uk. Using your personal information Hiscox isa trading name ofa number of Hiscox companies. The specific company acting asa data controller of your personal information will be listed in the documentation we provide to you. If you are unsure you can also contact us at anytime by telephoning 01904 681198 or by emailing us at dataprotectionofficer@hiscox.com. We collect and process information about you in order to provide insurance policies and to process claims. Your information is also used for business purposes such as fraud prevention and detection and financial management. This may involve sharing your information with, and obtaining information about you from, our group companies and third parties such as brokers, loss adjusters, credit reference agencies, service providers, professional advisors, our regulators or fraud prevention agencies. We may record telephone calls to help us monitor and improve the service we provide. For further information on how your information is used and your rights in relation to your information please see our privacy policy at www.hiscox.co.uk/cookies-privacy. The Direct Debit Guarantee This Guarantee is offered by all banks and building societies that accept instructions to pay Direct Debits. If there are any changes to the amount, date or frequency of your Direct Debit Hiscox Underwriting Ltd will notify you ten working days in advance of your account being debited or as otherwise agreed. If you request Hiscox Underwriting Ltd to collect a payment, confirmation of the amount and date will be given to you at the time of the request. If an error is made in the payment of your Direct Debit by Hiscox Underwriting Ltd or your bank or building society you are entitled to a full and immediate refund of the amount paid from your bank or building society. – If you receive a refund you are not entitled to, you must pay it back when Hiscox Underwriting Ltd asks you to. You can cancel a Direct Debit at anytime by simply contacting your bank or building society. Written confirmation maybe required. Please also notify us. Page / 1 Hiscox Business Insurance Policy summary JAC-PSC-UK-DC556(5.4) 17431b 07/20 Your Hiscox Business Insurance policy summaries This document contains the summaries for any policy covers you have selected to protect your business. These summaries outline the key information about your policies so you can be confident that you have understood what you have bought and what you are covered for. However, you should carefully read your policy in full and ensure that you understand its terms and conditions in full. If you have any queries, you should contact Hiscox or your insurance advisor. Your side of the bargain Remember, your premium and insurance are based on the details you have provided to us. Please make sure this information accurately reflects your business and that you inform us immediately if anything needs to change. Please also tell us of any changes in circumstances that may affect the services provided by us or the cover provided by your policy. This is particularly important before taking out a policy, but it also applies throughout the life of the policy too. You need to consider: ■if you fail to fairly present the risk to us, including by failing to disclose any information material to the insurance, you could invalidate the policy, claims may not be paid or the amount we pay maybe reduced; ■you should read and check all insurance documents to ensure that you are aware of the cover, limits and other terms that apply; ■if you fail to let us know of any changes to your circumstances during the period of insurance or, if when telling us about such changes you fail to present the risk to us fairly, you could invalidate the policy, claims may not be paid or the amount we pay maybe reduced; ■please be aware of all terms and conditions of your policy because failure to comply with them could invalidate it or result in us not paying a claim or reducing the amount we pay; ■in the event ofa claim, you should take note of the required procedures, such as giving Hiscox prompt notice of the claims, as stated in the policy documentation. In particular, if you fail to notify us when you first become aware ofa shortcoming, fact, or problem, admit you are liable for what has happened or appoint solicitors or other legal representation without our prior written approval, claims or defence costs may not be paid or the amount we pay maybe reduced; ■as with any insurance, you have an obligation to take reasonable steps to mitigate any loss or liability; ■if you make a fraudulent claim or try to deceive us, we may terminate the policy. Policy length The period of insurance is shown on your policy schedule. Your policy schedule will also show if the policy is ona continuing cover basis. If itis ona continuing cover basis, we will renew your policy each year for another 12 months and continue to take payment (including any premium adjustment shown in your renewal invitation) using your existing arrangement, unless you tell us otherwise or if your risk changes. If your policy schedule does not show that the policy is ona continuing cover basis, cover will cease at the end of the period of insurance, unless you renew your policy with us. We will provide you witha statement of fact each year and provided that the information contained within the statement of fact is true, complete and accurate, you do not need to provide us with any further information. If any of the information in your statement of fact is not true, complete and accurate, you must let us know. If you do not let us know, it may affect the validity of the policy or our ability to pay a claim. Retroactive dates, geographical and jurisdiction limits Where any section of your policy schedule includes a retroactive date, we will not make any payment for any claim or loss under that section which arises from any activity performed or any act, incident or occurrence taking place, before the retroactive date. Where any section of your policy schedule shows the geographical limits which apply to that section of the policy, we will only pay for claims and losses under that section which arise from activities performed or acts, incidents or occurrences taking place within those geographical limits. Where any section provides cover in respect of your liability to third parties, we will only cover claims first made ina country within the applicable courts stated in that section of your policy schedule. Hiscox Business Insurance Policy summary JAC-PSC-UK-DC556(5.4) 17431b 07/20 Cancellation rights You can cancel this policy by giving us 30 days' notice. You will only be charged for the premiums due up to the date of cancellation. If we need to cancel the policy, we’ll give you 30 days’ notice in writing and refund any surplus premiums you might have paid. Please note – we may deduct an administration fee from any refunded payment.There is an exception to our 30-day notice period, which is triggered when we don’t receive your Direct Debit payments within the agreed 14-day period. At this point, we will contact you as soon as possible and stop the policyPage / 2 immediately. Underwritten by:Hiscox Underwriting Ltd on behalf of the insurers named in the schedule. Page / 1 Certificate of professional indemnity insurance Daly-Gardner Hiscox Underwriting Ltd of 1 Great St. Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Certificate of professional indemnity Insurance Policy number:GWLZHEEZW_RC Name of policy holder:Daly-Gardner Period of insurance: From Wednesday 10 February, 2021 to Wednesday 01 April, 2020 both days inclusive. This policy isa Continuing cover policy Insurer: Hiscox Insurance Company Limited Retroactive date: Wed 12 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: Wednesday 10 February, 2021 Insurance details Policy number: GWLZHEEZW_RC Period of insurance: From Wednesday 10 February, 2021 to Wednesday 01 April, 2020 both days inclusive. This policy isa Continuing cover policy. Insured: Daly-Gardner Address: Studio 93V Ingram rapids Port Philiphaven FARNHAM HU9E 2FE Additional insureds: None Business: Management Consultants Premium details Charged premium – the total amount you’ll pay for this policy. Charged premium: £5,641.58 Insurance Premium Tax (IPT): £8,343.10 Total charged premium: £1,819.79 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: £5,641.58 Insurance Premium Tax (IPT): £8,343.10 Annual total: £1,819.79 Please note that there will be no refund or additional premium for any transaction which is less than £20 (excluding IPT). Hiscox Business Insurance Policy Schedule 14502 10/18 Summary Claims information If you need to make a claim: - For claims relating to your building or contents please contact our claims team on 0800 247 1902, 9.00am – 5:30pm Monday to Friday. If you wish to make a claim online, you can log most claims quickly and easily through our claims notification portal at https://claims.hiscox.co.uk/. Outside of normal business hours, if you require emergency assistance in relation to substantial damage to your property, you can speak to our 24-hour emergency assistance team using the telephone number above. Your policy schedule will state if property cover is included in your policy. Our out-of-hours emergency assistance team operate ona pay-and-claim basis and you will need to have credit card details available as appropriate. The team will then be able to direct you to essential tradesmen, emergency loss adjusters or disaster management companies in the event of substantial damage. - If there isa claim (or potential claim) against you bya third party, please email us at liability.claims@hiscox.com. If you need to speak to a member of the claims team urgently, please call our team on 0800 711 7156, 9.00am – 5:30pm Monday to Friday. If you wish to make a claim online, you can log most claims quickly and easily through our claims notification portal at https://claims.hiscox.co.uk/. You will need to provide your full name and contact details, the name of your business or organisation, your address and postcode, the policy reference and circumstances of the claim. The Important information and contact details section below contains additional information specific to the covers applicable to your policy. If you are unsure of who to contact please call our team on 0800 711 7156, 9.00am – 5:30pm Monday to Friday. They will ensure you get through to the correct claims team and let you know what actions you need to take. If anything happens that might be covered under the policy, you must comply with the obligations set out in General claims conditions, together with the obligations set out under Your obligations in the section or sections under which you are making the claim. Itis important that you read the policy for details of its terms in full. Your covers This isa summary of each section of your policy. See each section for cover details. Cover Insurance amount Excess Annual Premium (exc IPT) Professional indemnity £1,000,000 £1,000 £9,521.58 Legal protection £100,000 £0 £7,749.03 Crisis containment £25,000 - £8,818.82 The figures above are in summary only and are not in addition to the 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 10 February, 2021 Limit of indemnity £1,000,000 Limit applies to in the aggregate, including all costs Excess £1,000 Excess applies to each and every claim or loss, including all costs Geographical limits Worldwide Applicable courts Worldwide (excluding United States of America and Canada) Claims brought in USA or Canada Not covered Additional covers (in addition to overall limit of indemnity stated above) Cover Limit of indemnity Limit applies to Court attendance compensation - employees £250 per person, per day Court attendance compensation - directors and partners£500 per person, per day Court attendance compensation: in total £100,000 in the aggregate Special limits (included within not in addition to the overall limit of indemnity stated above) Cover Limit of indemnity Limit applies to Personal dataPage / 2 claims £250,000 in the aggregate, including all costs Business activities Business management consultant Retroactive date Wed 12 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	GWLZHEEZW_RC	(?<=Policy number - )[-\w_\/\.]+?(?= Company name)	Wednesday 10 February, 2021	(?<=anniversary of your policy is approaching on )[-\w_\/\. ,]+?(?= \.)	null	null	Business	(?<=time to renew your Hiscox )[-\w_\/\. ]+?(?= Insurance)	2024-02-05
hiscox-business-1	Hiscox Business Insurance - Policy number - FGVJERQTMVMT Company name: Scott, Hancock and White It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : FGVJERQTMVMT. Company name: Scott, Hancock and White. Your Hiscox Insurance premium. Last year’s annual premium: This year’s annual premium. £ 7,325.09. £ 7,325.09. The premium includes all applicable insurance premium tax (IPT). Dear Dr Leanne Phillips-Boyle. Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 2020-05-26 . 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. £6,132.34. £6,132.34. Legal protection. £9,259.70. £9,259.70. Crisis containment. £8,080.65. Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy . Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government 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, Hancock and 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 2020-05-26 . 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 : FGVJERQTMVMT Company name: Scott, Hancock and White . It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : FGVJERQTMVMT Company name: Scott, Hancock and White . Your Hiscox Insurance premium Last year’s annual premium: This year’s annual premium The premium includes all applicable insurance premium tax (IPT). £ 7,325.09 £ 7,325.09 . Your Hiscox Insurance premium . Last year’s annual premium: This year’s annual premium £ 7,325.09 £ 7,325.09 . The premium includes all applicable insurance premium tax (IPT). Dear Dr Leanne Phillips-Boyle . Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 2020-05-26 . 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 £6,132.34 £6,132.34 Legal protection £9,259.70 £9,259.70 Crisis containment £8,080.65 Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government 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, Hancock and 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 2020-05-26 . 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 2020-05-26 . 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 £6,132.34 £6,132.34 Legal protection £9,259.70 £9,259.70 Crisis containment £8,080.65 Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government 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, Hancock and 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 2020-05-26 . 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) £6,132.34 £9,259.70 £8,080.65 . This year’s annual Premium (exc IPT) £6,132.34 £9,259.70 . Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) . Professional indemnity £6,132.34 £6,132.34 . Legal protection £9,259.70 £9,259.70 . Crisis containment £8,080.65 . Kind regards Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre . Kind regards . Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave . To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre . Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Page / 1 Hiscox Business Insurance Policy wording 17431a - DC565 WORDING 04/17Guide to sectionsIntroduction Policy wordings General terms and conditions Professional indemnity for business management consultants Legal protection Crisis containment Hiscox Business Insurance Policy wording 17431a - DC565 WORDING 04/17IntroductionThank you for choosing Hiscox to protect your business. We hope that the language and layout of this policy wording are clear because we want you to understand the insurance we provide as well as the responsibilities we have to each other. Please read this document, including the policy schedule, policy summary and statement of fact, and let us know as soon as possible if any of the details are shown incorrectly. We always try to deliver to the highest standards of service. Your views are important to us, so if you feel that our service is below the standard you would expect from Hiscox, please contact us on the phone number shown in your policy schedule. Please note that some of the words we use in this insurance are shown in bold type. These words are defined in each section of the wording. Page / 1 Hiscox Insurance Payment schedule Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Thank you for continuing to pay for your policy by Direct Debit. Please check these details and let us know if anything is incorrect or if the schedule is not suitable. Your reference details Account holder name: Leanne Phillips-Boyle Frequency of collection: Annual Sort code: %BANK_SORT_CODE_1% Account number: %BANK_ACCOUNT_NUMBER_1% Your Direct Debit schedule We will take payments on the dates outlined below: Date Amount 20 May, 2022 £7,325.09 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: FGVJERQTMVMT If you have any questions about your policy or payments, please call us on 0800 280 0351. We’re here between 8:30am - 5:30pm Monday to Friday or you can email us at service@hiscox.co.uk. Using your personal information Hiscox isa trading name ofa number of Hiscox companies. The specific company acting asa data controller of your personal information will be listed in the documentation we provide to you. If you are unsure you can also contact us at anytime by telephoning 01904 681198 or by emailing us at dataprotectionofficer@hiscox.com. We collect and process information about you in order to provide insurance policies and to process claims. Your information is also used for business purposes such as fraud prevention and detection and financial management. This may involve sharing your information with, and obtaining information about you from, our group companies and third parties such as brokers, loss adjusters, credit reference agencies, service providers, professional advisors, our regulators or fraud prevention agencies. We may record telephone calls to help us monitor and improve the service we provide. For further information on how your information is used and your rights in relation to your information please see our privacy policy at www.hiscox.co.uk/cookies-privacy. The Direct Debit Guarantee This Guarantee is offered by all banks and building societies that accept instructions to pay Direct Debits. If there are any changes to the amount, date or frequency of your Direct Debit Hiscox Underwriting Ltd will notify you ten working days in advance of your account being debited or as otherwise agreed. If you request Hiscox Underwriting Ltd to collect a payment, confirmation of the amount and date will be given to you at the time of the request. If an error is made in the payment of your Direct Debit by Hiscox Underwriting Ltd or your bank or building society you are entitled to a full and immediate refund of the amount paid from your bank or building society. – If you receive a refund you are not entitled to, you must pay it back when Hiscox Underwriting Ltd asks you to. You can cancel a Direct Debit at anytime by simply contacting your bank or building society. Written confirmation maybe required. Please also notify us. Page / 1 Hiscox Business Insurance Policy summary JAC-PSC-UK-DC556(5.4) 17431b 07/20 Your Hiscox Business Insurance policy summaries This document contains the summaries for any policy covers you have selected to protect your business. These summaries outline the key information about your policies so you can be confident that you have understood what you have bought and what you are covered for. However, you should carefully read your policy in full and ensure that you understand its terms and conditions in full. If you have any queries, you should contact Hiscox or your insurance advisor. Your side of the bargain Remember, your premium and insurance are based on the details you have provided to us. Please make sure this information accurately reflects your business and that you inform us immediately if anything needs to change. Please also tell us of any changes in circumstances that may affect the services provided by us or the cover provided by your policy. This is particularly important before taking out a policy, but it also applies throughout the life of the policy too. You need to consider: ■if you fail to fairly present the risk to us, including by failing to disclose any information material to the insurance, you could invalidate the policy, claims may not be paid or the amount we pay maybe reduced; ■you should read and check all insurance documents to ensure that you are aware of the cover, limits and other terms that apply; ■if you fail to let us know of any changes to your circumstances during the period of insurance or, if when telling us about such changes you fail to present the risk to us fairly, you could invalidate the policy, claims may not be paid or the amount we pay maybe reduced; ■please be aware of all terms and conditions of your policy because failure to comply with them could invalidate it or result in us not paying a claim or reducing the amount we pay; ■in the event ofa claim, you should take note of the required procedures, such as giving Hiscox prompt notice of the claims, as stated in the policy documentation. In particular, if you fail to notify us when you first become aware ofa shortcoming, fact, or problem, admit you are liable for what has happened or appoint solicitors or other legal representation without our prior written approval, claims or defence costs may not be paid or the amount we pay maybe reduced; ■as with any insurance, you have an obligation to take reasonable steps to mitigate any loss or liability; ■if you make a fraudulent claim or try to deceive us, we may terminate the policy. Policy length The period of insurance is shown on your policy schedule. Your policy schedule will also show if the policy is ona continuing cover basis. If itis ona continuing cover basis, we will renew your policy each year for another 12 months and continue to take payment (including any premium adjustment shown in your renewal invitation) using your existing arrangement, unless you tell us otherwise or if your risk changes. If your policy schedule does not show that the policy is ona continuing cover basis, cover will cease at the end of the period of insurance, unless you renew your policy with us. We will provide you witha statement of fact each year and provided that the information contained within the statement of fact is true, complete and accurate, you do not need to provide us with any further information. If any of the information in your statement of fact is not true, complete and accurate, you must let us know. If you do not let us know, it may affect the validity of the policy or our ability to pay a claim. Retroactive dates, geographical and jurisdiction limits Where any section of your policy schedule includes a retroactive date, we will not make any payment for any claim or loss under that section which arises from any activity performed or any act, incident or occurrence taking place, before the retroactive date. Where any section of your policy schedule shows the geographical limits which apply to that section of the policy, we will only pay for claims and losses under that section which arise from activities performed or acts, incidents or occurrences taking place within those geographical limits. Where any section provides cover in respect of your liability to third parties, we will only cover claims first made ina country within the applicable courts stated in that section of your policy schedule. Hiscox Business Insurance Policy summary JAC-PSC-UK-DC556(5.4) 17431b 07/20 Cancellation rights You can cancel this policy by giving us 30 days' notice. You will only be charged for the premiums due up to the date of cancellation. If we need to cancel the policy, we’ll give you 30 days’ notice in writing and refund any surplus premiums you might have paid. Please note – we may deduct an administration fee from any refunded payment.There is an exception to our 30-day notice period, which is triggered when we don’t receive your Direct Debit payments within the agreed 14-day period. At this point, we will contact you as soon as possible and stop the 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, Hancock and 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:FGVJERQTMVMT Name of policy holder:Scott, Hancock and White Period of insurance: From 2020-05-26 to 2025-11-12 both days inclusive. This policy isa Continuing cover policy Insurer: Hiscox Insurance Company Limited Retroactive date: 20 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: 2020-05-26 Insurance details Policy number: FGVJERQTMVMT Period of insurance: From 2020-05-26 to 2025-11-12 both days inclusive. This policy isa Continuing cover policy. Insured: Scott, Hancock and White Address: 1 Iain port Roychester FARNHAM TR7V 9QU Additional insureds: None Business: Management Consultants Premium details Charged premium – the total amount you’ll pay for this policy. Charged premium: £7,364.86 Insurance Premium Tax (IPT): £7,390.13 Total charged premium: £7,325.09 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: £7,364.86 Insurance Premium Tax (IPT): £7,390.13 Annual total: £7,325.09 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 £6,132.34 Legal protection £100,000 £0 £9,259.70 Crisis containment £25,000 - £8,080.65 The figures above are in summary only and are not in addition to the amount insured specified against each cover section below. Hiscox Business Insurance Policy Schedule 14502 10/18 SECTION: PROFESSIONAL INDEMNITY – MANAGEMENT CONSULTANTS Cover start date: 2020-05-26 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 dataPage / 2 claims £250,000 in the aggregate, including all costs Business activities Business management consultant Retroactive date 20 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	FGVJERQTMVMT	(?<=Policy number - )[-\w_\/\.]+?(?= Company name)	2020-05-26	(?<=anniversary of your policy is approaching on )[-\w_\/\. ,]+?(?= \.)	null	null	Business	(?<=time to renew your Hiscox )[-\w_\/\. ]+?(?= Insurance)	2024-02-05
hiscox-business-1	Hiscox Business Insurance - Policy number - 6/J9/T2O5GAHOGVMU3P Company name: Ellis Group It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : 6/J9/T2O5GAHOGVMU3P. Company name: Ellis Group. Your Hiscox Insurance premium. Last year’s annual premium: This year’s annual premium. £ 8,876.86. £ 8,876.86. The premium includes all applicable insurance premium tax (IPT). Dear Dr Dr Marilyn Bird. Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 21 December, 2021 . Good news; if you want cover to continue with us and to make sure you stay protected by our award-winning cover, you do not need to do anything. We will update your policy onto our latest wording and continue to collect payment using the payment details we have for you. You must read the important information contained in this email and the attached documents. Your Hiscox Insurance Premium breakdown. The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). The amount shown as last year’s Annual premium will take into account any changes to the cover which may have been made during the last policy period. Cover. Last year’s annual premium (exc IPT). This year’s annual Premium (exc IPT). Professional indemnity. £8,061.88. £8,061.88. Legal protection. £6,972.72. £6,972.72. Crisis containment. £4,293.26. Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy . Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government increase in Insurance Premium Tax as shown. Is our information correct? Your premium and cover are based on what you’ve told us about Ellis Group , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay. . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover. Policy summary for each cover. ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover . As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before 21 December, 2021 . We’re here between 8:30am - 5:30pm Monday to Friday . Please note that we can only discuss policy changes with people named on the policy. Why renew with Hiscox. - Reassuring: we offer a range of cover options that can be tailored to your needs. - Flexible: we offer full flexibility to change your policy, with no administration fees . - Award-winning cover : we’ve been named Best Small Business Insurer 7 years running by Start Your Business Magazine . Please click this link for the Hiscox Referral Portal: https://refer.aklamio.com/hiscox/uk?source=postpurchase. Thank you again for choosing Hiscox to insure your business. We hope you and your business have a very successful year. Kind regards. Jon Dye. CEO, Hiscox UK. Business Insurance for the small and the brave. To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre. Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. This email and any files transmitted with it are confidential and intended solely for the use of the individual or entity to whom they are addressed. No one else is authorised to distribute, forward, print, copy or act upon any information contained in this email. If you have received this email in error, please notify the sender. Hiscox Syndicates Limited and Hiscox Insurance Company Limited are authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Hiscox Underwriting Limited, Hiscox Underwriting Services Ltd, Hiscox MGA Ltd and Hiscox ASM Ltd are authorised and regulated by the Financial Conduct Authority. Hiscox Assure SAS is duly registered as an insurance broker with the ORIAS, which is the French Official Registry of Insurance Intermediaries. Hiscox plc is a company registered in England and Wales under company registration number 2837811 and registered office at 1 Great St Helen's, London EC3A 6HX. Hiscox SA is a company registered in Luxembourg at 35 Avenue John F. Kennedy 35F, Luxembourg L-1855, and is authorised by the Commissariat aux Assurances de Luxembourg. It’s time to renew your Hiscox Business Insurance Hiscox Insurance policy number : 6/J9/T2O5GAHOGVMU3P Company name: Ellis Group . It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : 6/J9/T2O5GAHOGVMU3P Company name: Ellis Group . Your Hiscox Insurance premium Last year’s annual premium: This year’s annual premium The premium includes all applicable insurance premium tax (IPT). £ 8,876.86 £ 8,876.86 . Your Hiscox Insurance premium . Last year’s annual premium: This year’s annual premium £ 8,876.86 £ 8,876.86 . The premium includes all applicable insurance premium tax (IPT). Dear Dr Dr Marilyn Bird . Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 21 December, 2021 . Good news; if you want cover to continue with us and to make sure you stay protected by our award-winning cover, you do not need to do anything. We will update your policy onto our latest wording and continue to collect payment using the payment details we have for you. You must read the important information contained in this email and the attached documents Your Hiscox Insurance Premium breakdown The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). The amount shown as last year’s Annual premium will take into account any changes to the cover which may have been made during the last policy period. Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) Professional indemnity £8,061.88 £8,061.88 Legal protection £6,972.72 £6,972.72 Crisis containment £4,293.26 Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government increase in Insurance Premium Tax as shown. Is our information correct? Your premium and cover are based on what you’ve told us about Ellis Group , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover Policy summary for each cover ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before 21 December, 2021 . We’re here between 8:30am - 5:30pm Monday to Friday . Please note that we can only discuss policy changes with people named on the policy. Why renew with Hiscox - Reassuring: we offer a range of cover options that can be tailored to your needs - Flexible: we offer full flexibility to change your policy, with no administration fees - Award-winning cover : we’ve been named Best Small Business Insurer 7 years running by Start Your Business Magazine Please click this link for the Hiscox Referral Portal: https://refer.aklamio.com/hiscox/uk?source=postpurchase Thank you again for choosing Hiscox to insure your business. We hope you and your business have a very successful year. Kind regards Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 21 December, 2021 . Good news; if you want cover to continue with us and to make sure you stay protected by our award-winning cover, you do not need to do anything. We will update your policy onto our latest wording and continue to collect payment using the payment details we have for you. You must read the important information contained in this email and the attached documents Your Hiscox Insurance Premium breakdown The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). The amount shown as last year’s Annual premium will take into account any changes to the cover which may have been made during the last policy period. Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) Professional indemnity £8,061.88 £8,061.88 Legal protection £6,972.72 £6,972.72 Crisis containment £4,293.26 Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government increase in Insurance Premium Tax as shown. Is our information correct? Your premium and cover are based on what you’ve told us about Ellis Group , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover Policy summary for each cover ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before 21 December, 2021 . We’re here between 8:30am - 5:30pm Monday to Friday . Please note that we can only discuss policy changes with people named on the policy. Why renew with Hiscox - Reassuring: we offer a range of cover options that can be tailored to your needs - Flexible: we offer full flexibility to change your policy, with no administration fees - Award-winning cover : we’ve been named Best Small Business Insurer 7 years running by Start Your Business Magazine Please click this link for the Hiscox Referral Portal: https://refer.aklamio.com/hiscox/uk?source=postpurchase Thank you again for choosing Hiscox to insure your business. We hope you and your business have a very successful year. Kind regards Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Your Hiscox Insurance Premium breakdown The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). Cover Professional indemnity Legal protection Crisis containment . Last year’s annual premium (exc IPT) £8,061.88 £6,972.72 £4,293.26 . This year’s annual Premium (exc IPT) £8,061.88 £6,972.72 . Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) . Professional indemnity £8,061.88 £8,061.88 . Legal protection £6,972.72 £6,972.72 . Crisis containment £4,293.26 . Kind regards Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre . Kind regards . Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave . To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre . Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Page / 1 Hiscox Business Insurance Policy wording 17431a - DC565 WORDING 04/17Guide to sectionsIntroduction Policy wordings General terms and conditions Professional indemnity for business management consultants Legal protection Crisis containment Hiscox Business Insurance Policy wording 17431a - DC565 WORDING 04/17IntroductionThank you for choosing Hiscox to protect your business. We hope that the language and layout of this policy wording are clear because we want you to understand the insurance we provide as well as the responsibilities we have to each other. Please read this document, including the policy schedule, policy summary and statement of fact, and let us know as soon as possible if any of the details are shown incorrectly. We always try to deliver to the highest standards of service. Your views are important to us, so if you feel that our service is below the standard you would expect from Hiscox, please contact us on the phone number shown in your policy schedule. Please note that some of the words we use in this insurance are shown in bold type. These words are defined in each section of the wording. Page / 1 Hiscox Insurance Payment schedule Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Thank you for continuing to pay for your policy by Direct Debit. Please 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 Marilyn Bird Frequency of collection: Annual Sort code: %BANK_SORT_CODE_1% Account number: %BANK_ACCOUNT_NUMBER_1% Your Direct Debit schedule We will take payments on the dates outlined below: Date Amount 05 March, 2021 £8,876.86 Where your chosen collection date falls ona non-working day then we will endeavour to collect the next working day. For your information, the collections will be made using the following reference number: Originator Identification Number: 293461 Reference Number: 6/J9/T2O5GAHOGVMU3P If you have any questions about your policy or payments, please call us on 0800 280 0351. We’re here between 8:30am - 5:30pm Monday to Friday or you can email us at service@hiscox.co.uk. Using your personal information Hiscox isa trading name ofa number of Hiscox companies. The specific company acting asa data controller of your personal information will be listed in the documentation we provide to you. If you are unsure you can also contact us at anytime by telephoning 01904 681198 or by emailing us at dataprotectionofficer@hiscox.com. We collect and process information about you in order to provide insurance policies and to process claims. Your information is also used for business purposes such as fraud prevention and detection and financial management. This may involve sharing your information with, and obtaining information about you from, our group companies and third parties such as brokers, loss adjusters, credit reference agencies, service providers, professional advisors, our regulators or fraud prevention agencies. We may record telephone calls to help us monitor and improve the service we provide. For further information on how your information is used and your rights in relation to your information please see our privacy policy at www.hiscox.co.uk/cookies-privacy. The Direct Debit Guarantee This Guarantee is offered by all banks and building societies that accept instructions to pay Direct Debits. If there are any changes to the amount, date or frequency of your Direct Debit Hiscox Underwriting Ltd will notify you ten working days in advance of your account being debited or as otherwise agreed. If you request Hiscox Underwriting Ltd to collect a payment, confirmation of the amount and date will be given to you at the time of the request. If an error is made in the payment of your Direct Debit by Hiscox Underwriting Ltd or your bank or building society you are entitled to a full and immediate refund of the amount paid from your bank or building society. – If you receive a refund you are not entitled to, you must pay it back when Hiscox Underwriting Ltd asks you to. You can cancel a Direct Debit at anytime by simply contacting your bank or building society. Written confirmation maybe required. Please also notify us. Page / 1 Hiscox Business Insurance Policy summary JAC-PSC-UK-DC556(5.4) 17431b 07/20 Your Hiscox Business Insurance policy summaries This document contains the summaries for any policy covers you have selected to protect your business. These summaries outline the key information about your policies so you can be confident that you have understood what you have bought and what you are covered for. However, you should carefully read your policy in full and ensure that you understand its terms and conditions in full. If you have any queries, you should contact Hiscox or your insurance advisor. Your side of the bargain Remember, your premium and insurance are based on the details you have provided to us. Please make sure this information accurately reflects your business and that you inform us immediately if anything needs to change. Please also tell us of any changes in circumstances that may affect the services provided by us or the cover provided by your policy. This is particularly important before taking out a policy, but it also applies throughout the life of the policy too. You need to consider: ■if you fail to fairly present the risk to us, including by failing to disclose any information material to the insurance, you could invalidate the policy, claims may not be paid or the amount we pay maybe reduced; ■you should read and check all insurance documents to ensure that you are aware of the cover, limits and other terms that apply; ■if you fail to let us know of any changes to your circumstances during the period of insurance or, if when telling us about such changes you fail to present the risk to us fairly, you could invalidate the policy, claims may not be paid or the amount we pay maybe reduced; ■please be aware of all terms and conditions of your policy because failure to comply with them could invalidate it or result in us not paying a claim or reducing the amount we pay; ■in the event ofa claim, you should take note of the required procedures, such as giving Hiscox prompt notice of the claims, as stated in the policy documentation. In particular, if you fail to notify us when you first become aware ofa shortcoming, fact, or problem, admit you are liable for what has happened or appoint solicitors or other legal representation without our prior written approval, claims or defence costs may not be paid or the amount we pay maybe reduced; ■as with any insurance, you have an obligation to take reasonable steps to mitigate any loss or liability; ■if you make a fraudulent claim or try to deceive us, we may terminate the policy. Policy length The period of insurance is shown on your policy schedule. Your policy schedule will also show if the policy is ona continuing cover basis. If itis ona continuing cover basis, we will renew your policy each year for another 12 months and continue to take payment (including any premium adjustment shown in your renewal invitation) using your existing arrangement, unless you tell us otherwise or if your risk changes. If your policy schedule does not show that the policy is ona continuing cover basis, cover will cease at the end of the period of insurance, unless you renew your policy with us. We will provide you witha statement of fact each year and provided that the information contained within the statement of fact is true, complete and accurate, you do not need to provide us with any further information. If any of the information in your statement of fact is not true, complete and accurate, you must let us know. If you do not let us know, it may affect the validity of the policy or our ability to pay a claim. Retroactive dates, geographical and jurisdiction limits Where any section of your policy schedule includes a retroactive date, we will not make any payment for any claim or loss under that section which arises from any activity performed or any act, incident or occurrence taking place, before the retroactive date. Where any section of your policy schedule shows the geographical limits which apply to that section of the policy, we will only pay for claims and losses under that section which arise from activities performed or acts, incidents or occurrences taking place within those geographical limits. Where any section provides cover in respect of your liability to third parties, we will only cover claims first made ina country within the applicable courts stated in that section of your policy schedule. Hiscox Business Insurance Policy summary JAC-PSC-UK-DC556(5.4) 17431b 07/20 Cancellation rights You can cancel this policy by giving us 30 days' notice. You will only be charged for the premiums due up to the date of cancellation. If we need to cancel the policy, we’ll give you 30 days’ notice in writing and refund any surplus premiums you might have paid. Please note – we may deduct an administration fee from any refunded payment.There is an exception to our 30-day notice period, which is triggered when we don’t receive your Direct Debit payments within the agreed 14-day period. At this point, we will contact you as soon as possible and stop the policyPage / 2 immediately. Underwritten by:Hiscox Underwriting Ltd on behalf of the insurers named in the schedule. Page / 1 Certificate of professional indemnity insurance Ellis 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:6/J9/T2O5GAHOGVMU3P Name of policy holder:Ellis Group Period of insurance: From 21 December, 2021 to Sat 06 December, 2025 both days inclusive. This policy isa Continuing cover policy Insurer: Hiscox Insurance Company Limited Retroactive date: 26/03/20 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: 21 December, 2021 Insurance details Policy number: 6/J9/T2O5GAHOGVMU3P Period of insurance: From 21 December, 2021 to Sat 06 December, 2025 both days inclusive. This policy isa Continuing cover policy. Insured: Ellis Group Address: 409 Ann stravenue Careystad FARNHAM BD8 2DQ Additional insureds: None Business: Management Consultants Premium details Charged premium – the total amount you’ll pay for this policy. Charged premium: £7,415.47 Insurance Premium Tax (IPT): £448.90 Total charged premium: £8,876.86 Annualised premium – the annual premium for this policy. This is given for comparison purposes. Please refer to the charged premium section for the amount you’ll pay for the policy. Annual premium: £7,415.47 Insurance Premium Tax (IPT): £448.90 Annual total: £8,876.86 Please note that there will be no refund or additional premium for any transaction which is less than £20 (excluding IPT). Hiscox Business Insurance Policy Schedule 14502 10/18 Summary Claims information If you need to make a claim: - For claims relating to your building or contents please contact our claims team on 0800 247 1902, 9.00am – 5:30pm Monday to Friday. If you wish to make a claim online, you can log most claims quickly and easily through our claims notification portal at https://claims.hiscox.co.uk/. Outside of normal business hours, if you require emergency assistance in relation to substantial damage to your property, you can speak to our 24-hour emergency assistance team using the telephone number above. Your policy schedule will state if property cover is included in your policy. Our out-of-hours emergency assistance team operate ona pay-and-claim basis and you will need to have credit card details available as appropriate. The team will then be able to direct you to essential tradesmen, emergency loss adjusters or disaster management companies in the event of substantial damage. - If there isa claim (or potential claim) against you bya third party, please email us at liability.claims@hiscox.com. If you need to speak to a member of the claims team urgently, please call our team on 0800 711 7156, 9.00am – 5:30pm Monday to Friday. If you wish to make a claim online, you can log most claims quickly and easily through our claims notification portal at https://claims.hiscox.co.uk/. You will need to provide your full name and contact details, the name of your business or organisation, your address and postcode, the policy reference and circumstances of the claim. The Important information and contact details section below contains additional information specific to the covers applicable to your policy. If you are unsure of who to contact please call our team on 0800 711 7156, 9.00am – 5:30pm Monday to Friday. They will ensure you get through to the correct claims team and let you know what actions you need to take. If anything happens that might be covered under the policy, you must comply with the obligations set out in General claims conditions, together with the obligations set out under Your obligations in the section or sections under which you are making the claim. Itis important that you read the policy for details of its terms in full. Your covers This isa summary of each section of your policy. See each section for cover details. Cover Insurance amount Excess Annual Premium (exc IPT) Professional indemnity £1,000,000 £1,000 £8,061.88 Legal protection £100,000 £0 £6,972.72 Crisis containment £25,000 - £4,293.26 The figures above are in summary only and are not in addition to the 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 December, 2021 Limit of indemnity £1,000,000 Limit applies to in the aggregate, including all costs Excess £1,000 Excess applies to each and every claim or loss, including all costs Geographical limits Worldwide Applicable courts Worldwide (excluding United States of America and Canada) Claims brought in USA or Canada Not covered Additional covers (in addition to overall limit of indemnity stated above) Cover Limit of indemnity Limit applies to Court attendance compensation - employees £250 per person, per day Court attendance compensation - directors and partners£500 per person, per day Court attendance compensation: in total £100,000 in the aggregate Special limits (included within not in addition to the overall limit of indemnity stated above) Cover Limit of indemnity Limit applies to Personal dataPage / 2 claims £250,000 in the aggregate, including all costs Business activities Business management consultant Retroactive date 26/03/20 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	6/J9/T2O5GAHOGVMU3P	(?<=Policy number - )[-\w_\/\.]+?(?= Company name)	21 December, 2021	(?<=anniversary of your policy is approaching on )[-\w_\/\. ,]+?(?= \.)	null	null	Business	(?<=time to renew your Hiscox )[-\w_\/\. ]+?(?= Insurance)	2024-02-05
hiscox-business-1	Hiscox Business Insurance - Policy number - 74L-63F5.ZT8MX5F4O Company name: Dennis LLC It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : 74L-63F5.ZT8MX5F4O. Company name: Dennis LLC. Your Hiscox Insurance premium. Last year’s annual premium: This year’s annual premium. £ 1,334.26. £ 1,334.26. The premium includes all applicable insurance premium tax (IPT). Dear Dr Dr Hilary Dean. Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 2024-10-19 . 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. £105.06. £105.06. Legal protection. £9,304.58. £9,304.58. Crisis containment. £2,831.12. Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy . Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government 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 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 2024-10-19 . 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 : 74L-63F5.ZT8MX5F4O Company name: Dennis LLC . It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : 74L-63F5.ZT8MX5F4O Company name: Dennis LLC . Your Hiscox Insurance premium Last year’s annual premium: This year’s annual premium The premium includes all applicable insurance premium tax (IPT). £ 1,334.26 £ 1,334.26 . Your Hiscox Insurance premium . Last year’s annual premium: This year’s annual premium £ 1,334.26 £ 1,334.26 . The premium includes all applicable insurance premium tax (IPT). Dear Dr Dr Hilary Dean . Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 2024-10-19 . 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 £105.06 £105.06 Legal protection £9,304.58 £9,304.58 Crisis containment £2,831.12 Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government 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 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 2024-10-19 . 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 2024-10-19 . 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 £105.06 £105.06 Legal protection £9,304.58 £9,304.58 Crisis containment £2,831.12 Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government 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 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 2024-10-19 . 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) £105.06 £9,304.58 £2,831.12 . This year’s annual Premium (exc IPT) £105.06 £9,304.58 . Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) . Professional indemnity £105.06 £105.06 . Legal protection £9,304.58 £9,304.58 . Crisis containment £2,831.12 . Kind regards Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre . Kind regards . Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave . To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre . Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Page / 1 Hiscox Business Insurance Policy wording 17431a - DC565 WORDING 04/17Guide to sectionsIntroduction Policy wordings General terms and conditions Professional indemnity for business management consultants Legal protection Crisis containment Hiscox Business Insurance Policy wording 17431a - DC565 WORDING 04/17IntroductionThank you for choosing Hiscox to protect your business. We hope that the language and layout of this policy wording are clear because we want you to understand the insurance we provide as well as the responsibilities we have to each other. Please read this document, including the policy schedule, policy summary and statement of fact, and let us know as soon as possible if any of the details are shown incorrectly. We always try to deliver to the highest standards of service. Your views are important to us, so if you feel that our service is below the standard you would expect from Hiscox, please contact us on the phone number shown in your policy schedule. Please note that some of the words we use in this insurance are shown in bold type. These words are defined in each section of the wording. Page / 1 Hiscox Insurance Payment schedule Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Thank you for continuing to pay for your policy by Direct Debit. Please 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 Hilary Dean Frequency of collection: Annual Sort code: %BANK_SORT_CODE_1% Account number: %BANK_ACCOUNT_NUMBER_1% Your Direct Debit schedule We will take payments on the dates outlined below: Date Amount Mon 08 April, 2019 £1,334.26 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: 74L-63F5.ZT8MX5F4O If you have any questions about your policy or payments, please call us on 0800 280 0351. We’re here between 8:30am - 5:30pm Monday to Friday or you can email us at service@hiscox.co.uk. Using your personal information Hiscox isa trading name ofa number of Hiscox companies. The specific company acting asa data controller of your personal information will be listed in the documentation we provide to you. If you are unsure you can also contact us at anytime by telephoning 01904 681198 or by emailing us at dataprotectionofficer@hiscox.com. We collect and process information about you in order to provide insurance policies and to process claims. Your information is also used for business purposes such as fraud prevention and detection and financial management. This may involve sharing your information with, and obtaining information about you from, our group companies and third parties such as brokers, loss adjusters, credit reference agencies, service providers, professional advisors, our regulators or fraud prevention agencies. We may record telephone calls to help us monitor and improve the service we provide. For further information on how your information is used and your rights in relation to your information please see our privacy policy at www.hiscox.co.uk/cookies-privacy. The Direct Debit Guarantee This Guarantee is offered by all banks and building societies that accept instructions to pay Direct Debits. If there are any changes to the amount, date or frequency of your Direct Debit Hiscox Underwriting Ltd will notify you ten working days in advance of your account being debited or as otherwise agreed. If you request Hiscox Underwriting Ltd to collect a payment, confirmation of the amount and date will be given to you at the time of the request. If an error is made in the payment of your Direct Debit by Hiscox Underwriting Ltd or your bank or building society you are entitled to a full and immediate refund of the amount paid from your bank or building society. – If you receive a refund you are not entitled to, you must pay it back when Hiscox Underwriting Ltd asks you to. You can cancel a Direct Debit at anytime by simply contacting your bank or building society. Written confirmation maybe required. Please also notify us. Page / 1 Hiscox Business Insurance Policy summary JAC-PSC-UK-DC556(5.4) 17431b 07/20 Your Hiscox Business Insurance policy summaries This document contains the summaries for any policy covers you have selected to protect your business. These summaries outline the key information about your policies so you can be confident that you have understood what you have bought and what you are covered for. However, you should carefully read your policy in full and ensure that you understand its terms and conditions in full. If you have any queries, you should contact Hiscox or your insurance advisor. Your side of the bargain Remember, your premium and insurance are based on the details you have provided to us. Please make sure this information accurately reflects your business and that you inform us immediately if anything needs to change. Please also tell us of any changes in circumstances that may affect the services provided by us or the cover provided by your policy. This is particularly important before taking out a policy, but it also applies throughout the life of the policy too. You need to consider: ■if you fail to fairly present the risk to us, including by failing to disclose any information material to the insurance, you could invalidate the policy, claims may not be paid or the amount we pay maybe reduced; ■you should read and check all insurance documents to ensure that you are aware of the cover, limits and other terms that apply; ■if you fail to let us know of any changes to your circumstances during the period of insurance or, if when telling us about such changes you fail to present the risk to us fairly, you could invalidate the policy, claims may not be paid or the amount we pay maybe reduced; ■please be aware of all terms and conditions of your policy because failure to comply with them could invalidate it or result in us not paying a claim or reducing the amount we pay; ■in the event ofa claim, you should take note of the required procedures, such as giving Hiscox prompt notice of the claims, as stated in the policy documentation. In particular, if you fail to notify us when you first become aware ofa shortcoming, fact, or problem, admit you are liable for what has happened or appoint solicitors or other legal representation without our prior written approval, claims or defence costs may not be paid or the amount we pay maybe reduced; ■as with any insurance, you have an obligation to take reasonable steps to mitigate any loss or liability; ■if you make a fraudulent claim or try to deceive us, we may terminate the policy. Policy length The period of insurance is shown on your policy schedule. Your policy schedule will also show if the policy is ona continuing cover basis. If itis ona continuing cover basis, we will renew your policy each year for another 12 months and continue to take payment (including any premium adjustment shown in your renewal invitation) using your existing arrangement, unless you tell us otherwise or if your risk changes. If your policy schedule does not show that the policy is ona continuing cover basis, cover will cease at the end of the period of insurance, unless you renew your policy with us. We will provide you witha statement of fact each year and provided that the information contained within the statement of fact is true, complete and accurate, you do not need to provide us with any further information. If any of the information in your statement of fact is not true, complete and accurate, you must let us know. If you do not let us know, it may affect the validity of the policy or our ability to pay a claim. Retroactive dates, geographical and jurisdiction limits Where any section of your policy schedule includes a retroactive date, we will not make any payment for any claim or loss under that section which arises from any activity performed or any act, incident or occurrence taking place, before the retroactive date. Where any section of your policy schedule shows the geographical limits which apply to that section of the policy, we will only pay for claims and losses under that section which arise from activities performed or acts, incidents or occurrences taking place within those geographical limits. Where any section provides cover in respect of your liability to third parties, we will only cover claims first made ina country within the applicable courts stated in that section of your policy schedule. Hiscox Business Insurance Policy summary JAC-PSC-UK-DC556(5.4) 17431b 07/20 Cancellation rights You can cancel this policy by giving us 30 days' notice. You will only be charged for the premiums due up to the date of cancellation. If we need to cancel the policy, we’ll give you 30 days’ notice in writing and refund any surplus premiums you might have paid. Please note – we may deduct an administration fee from any refunded payment.There is an exception to our 30-day notice period, which is triggered when we don’t receive your Direct Debit payments within the agreed 14-day period. At this point, we will contact you as soon as possible and stop the 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 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:74L-63F5.ZT8MX5F4O Name of policy holder:Dennis LLC Period of insurance: From 2024-10-19 to Tuesday 14 May, 2024 both days inclusive. This policy isa Continuing cover policy Insurer: Hiscox Insurance Company Limited Retroactive date: Sunday 24 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: 2024-10-19 Insurance details Policy number: 74L-63F5.ZT8MX5F4O Period of insurance: From 2024-10-19 to Tuesday 14 May, 2024 both days inclusive. This policy isa Continuing cover policy. Insured: Dennis LLC Address: Studio 66p Brown landing Aaronberg FARNHAM M89 7RT Additional insureds: None Business: Management Consultants Premium details Charged premium – the total amount you’ll pay for this policy. Charged premium: £6,841.94 Insurance Premium Tax (IPT): £5,528.55 Total charged premium: £1,334.26 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: £6,841.94 Insurance Premium Tax (IPT): £5,528.55 Annual total: £1,334.26 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 £105.06 Legal protection £100,000 £0 £9,304.58 Crisis containment £25,000 - £2,831.12 The figures above are in summary only and are not in addition to the amount insured specified against each cover section below. Hiscox Business Insurance Policy Schedule 14502 10/18 SECTION: PROFESSIONAL INDEMNITY – MANAGEMENT CONSULTANTS Cover start date: 2024-10-19 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 dataPage / 2 claims £250,000 in the aggregate, including all costs Business activities Business management consultant Retroactive date Sunday 24 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	74L-63F5.ZT8MX5F4O	(?<=Policy number - )[-\w_\/\.]+?(?= Company name)	2024-10-19	(?<=anniversary of your policy is approaching on )[-\w_\/\. ,]+?(?= \.)	null	null	Business	(?<=time to renew your Hiscox )[-\w_\/\. ]+?(?= Insurance)	2024-02-05
hiscox-business-1	Hiscox Business Insurance - Policy number - C_T36FBHCW-54S/VP7J267MN Company name: Clements Group It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : C_T36FBHCW-54S/VP7J267MN. Company name: Clements Group. Your Hiscox Insurance premium. Last year’s annual premium: This year’s annual premium. £ 93.65. £ 93.65. The premium includes all applicable insurance premium tax (IPT). Dear Mr Elliot Thompson. Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 26 May, 2021 . Good news; if you want cover to continue with us and to make sure you stay protected by our award-winning cover, you do not need to do anything. We will update your policy onto our latest wording and continue to collect payment using the payment details we have for you. You must read the important information contained in this email and the attached documents. Your Hiscox Insurance Premium breakdown. The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). The amount shown as last year’s Annual premium will take into account any changes to the cover which may have been made during the last policy period. Cover. Last year’s annual premium (exc IPT). This year’s annual Premium (exc IPT). Professional indemnity. £9,665.63. £9,665.63. Legal protection. £3,577.56. £3,577.56. Crisis containment. £9,595.75. Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy . Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government increase in Insurance Premium Tax as shown. Is our information correct? Your premium and cover are based on what you’ve told us about Clements 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 26 May, 2021 . We’re here between 8:30am - 5:30pm Monday to Friday . Please note that we can only discuss policy changes with people named on the policy. Why renew with Hiscox. - Reassuring: we offer a range of cover options that can be tailored to your needs. - Flexible: we offer full flexibility to change your policy, with no administration fees . - Award-winning cover : we’ve been named Best Small Business Insurer 7 years running by Start Your Business Magazine . Please click this link for the Hiscox Referral Portal: https://refer.aklamio.com/hiscox/uk?source=postpurchase. Thank you again for choosing Hiscox to insure your business. We hope you and your business have a very successful year. Kind regards. Jon Dye. CEO, Hiscox UK. Business Insurance for the small and the brave. To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre. Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. This email and any files transmitted with it are confidential and intended solely for the use of the individual or entity to whom they are addressed. No one else is authorised to distribute, forward, print, copy or act upon any information contained in this email. If you have received this email in error, please notify the sender. Hiscox Syndicates Limited and Hiscox Insurance Company Limited are authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Hiscox Underwriting Limited, Hiscox Underwriting Services Ltd, Hiscox MGA Ltd and Hiscox ASM Ltd are authorised and regulated by the Financial Conduct Authority. Hiscox Assure SAS is duly registered as an insurance broker with the ORIAS, which is the French Official Registry of Insurance Intermediaries. Hiscox plc is a company registered in England and Wales under company registration number 2837811 and registered office at 1 Great St Helen's, London EC3A 6HX. Hiscox SA is a company registered in Luxembourg at 35 Avenue John F. Kennedy 35F, Luxembourg L-1855, and is authorised by the Commissariat aux Assurances de Luxembourg. It’s time to renew your Hiscox Business Insurance Hiscox Insurance policy number : C_T36FBHCW-54S/VP7J267MN Company name: Clements Group . It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : C_T36FBHCW-54S/VP7J267MN Company name: Clements Group . Your Hiscox Insurance premium Last year’s annual premium: This year’s annual premium The premium includes all applicable insurance premium tax (IPT). £ 93.65 £ 93.65 . Your Hiscox Insurance premium . Last year’s annual premium: This year’s annual premium £ 93.65 £ 93.65 . The premium includes all applicable insurance premium tax (IPT). Dear Mr Elliot Thompson . Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 26 May, 2021 . Good news; if you want cover to continue with us and to make sure you stay protected by our award-winning cover, you do not need to do anything. We will update your policy onto our latest wording and continue to collect payment using the payment details we have for you. You must read the important information contained in this email and the attached documents Your Hiscox Insurance Premium breakdown The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). The amount shown as last year’s Annual premium will take into account any changes to the cover which may have been made during the last policy period. Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) Professional indemnity £9,665.63 £9,665.63 Legal protection £3,577.56 £3,577.56 Crisis containment £9,595.75 Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government increase in Insurance Premium Tax as shown. Is our information correct? Your premium and cover are based on what you’ve told us about Clements 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 26 May, 2021 . We’re here between 8:30am - 5:30pm Monday to Friday . Please note that we can only discuss policy changes with people named on the policy. Why renew with Hiscox - Reassuring: we offer a range of cover options that can be tailored to your needs - Flexible: we offer full flexibility to change your policy, with no administration fees - Award-winning cover : we’ve been named Best Small Business Insurer 7 years running by Start Your Business Magazine Please click this link for the Hiscox Referral Portal: https://refer.aklamio.com/hiscox/uk?source=postpurchase Thank you again for choosing Hiscox to insure your business. We hope you and your business have a very successful year. Kind regards Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 26 May, 2021 . Good news; if you want cover to continue with us and to make sure you stay protected by our award-winning cover, you do not need to do anything. We will update your policy onto our latest wording and continue to collect payment using the payment details we have for you. You must read the important information contained in this email and the attached documents Your Hiscox Insurance Premium breakdown The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). The amount shown as last year’s Annual premium will take into account any changes to the cover which may have been made during the last policy period. Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) Professional indemnity £9,665.63 £9,665.63 Legal protection £3,577.56 £3,577.56 Crisis containment £9,595.75 Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government increase in Insurance Premium Tax as shown. Is our information correct? Your premium and cover are based on what you’ve told us about Clements 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 26 May, 2021 . We’re here between 8:30am - 5:30pm Monday to Friday . Please note that we can only discuss policy changes with people named on the policy. Why renew with Hiscox - Reassuring: we offer a range of cover options that can be tailored to your needs - Flexible: we offer full flexibility to change your policy, with no administration fees - Award-winning cover : we’ve been named Best Small Business Insurer 7 years running by Start Your Business Magazine Please click this link for the Hiscox Referral Portal: https://refer.aklamio.com/hiscox/uk?source=postpurchase Thank you again for choosing Hiscox to insure your business. We hope you and your business have a very successful year. Kind regards Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Your Hiscox Insurance Premium breakdown The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). Cover Professional indemnity Legal protection Crisis containment . Last year’s annual premium (exc IPT) £9,665.63 £3,577.56 £9,595.75 . This year’s annual Premium (exc IPT) £9,665.63 £3,577.56 . Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) . Professional indemnity £9,665.63 £9,665.63 . Legal protection £3,577.56 £3,577.56 . Crisis containment £9,595.75 . Kind regards Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre . Kind regards . Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave . To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre . Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Page / 1 Hiscox Business Insurance Policy wording 17431a - DC565 WORDING 04/17Guide to sectionsIntroduction Policy wordings General terms and conditions Professional indemnity for business management consultants Legal protection Crisis containment Hiscox Business Insurance Policy wording 17431a - DC565 WORDING 04/17IntroductionThank you for choosing Hiscox to protect your business. We hope that the language and layout of this policy wording are clear because we want you to understand the insurance we provide as well as the responsibilities we have to each other. Please read this document, including the policy schedule, policy summary and statement of fact, and let us know as soon as possible if any of the details are shown incorrectly. We always try to deliver to the highest standards of service. Your views are important to us, so if you feel that our service is below the standard you would expect from Hiscox, please contact us on the phone number shown in your policy schedule. Please note that some of the words we use in this insurance are shown in bold type. These words are defined in each section of the wording. Page / 1 Hiscox Insurance Payment schedule Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Thank you for continuing to pay for your policy by Direct Debit. Please check these details and let us know if anything is incorrect or if the schedule is not suitable. Your reference details Account holder name: Elliot 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 06/11/22 £93.65 Where your chosen collection date falls ona non-working day then we will endeavour to collect the next working day. For your information, the collections will be made using the following reference number: Originator Identification Number: 293461 Reference Number: C_T36FBHCW-54S/VP7J267MN If you have any questions about your policy or payments, please call us on 0800 280 0351. We’re here between 8:30am - 5:30pm Monday to Friday or you can email us at service@hiscox.co.uk. Using your personal information Hiscox isa trading name ofa number of Hiscox companies. The specific company acting asa data controller of your personal information will be listed in the documentation we provide to you. If you are unsure you can also contact us at anytime by telephoning 01904 681198 or by emailing us at dataprotectionofficer@hiscox.com. We collect and process information about you in order to provide insurance policies and to process claims. Your information is also used for business purposes such as fraud prevention and detection and financial management. This may involve sharing your information with, and obtaining information about you from, our group companies and third parties such as brokers, loss adjusters, credit reference agencies, service providers, professional advisors, our regulators or fraud prevention agencies. We may record telephone calls to help us monitor and improve the service we provide. For further information on how your information is used and your rights in relation to your information please see our privacy policy at www.hiscox.co.uk/cookies-privacy. The Direct Debit Guarantee This Guarantee is offered by all banks and building societies that accept instructions to pay Direct Debits. If there are any changes to the amount, date or frequency of your Direct Debit Hiscox Underwriting Ltd will notify you ten working days in advance of your account being debited or as otherwise agreed. If you request Hiscox Underwriting Ltd to collect a payment, confirmation of the amount and date will be given to you at the time of the request. If an error is made in the payment of your Direct Debit by Hiscox Underwriting Ltd or your bank or building society you are entitled to a full and immediate refund of the amount paid from your bank or building society. – If you receive a refund you are not entitled to, you must pay it back when Hiscox Underwriting Ltd asks you to. You can cancel a Direct Debit at anytime by simply contacting your bank or building society. Written confirmation maybe required. Please also notify us. Page / 1 Hiscox Business Insurance Policy summary JAC-PSC-UK-DC556(5.4) 17431b 07/20 Your Hiscox Business Insurance policy summaries This document contains the summaries for any policy covers you have selected to protect your business. These summaries outline the key information about your policies so you can be confident that you have understood what you have bought and what you are covered for. However, you should carefully read your policy in full and ensure that you understand its terms and conditions in full. If you have any queries, you should contact Hiscox or your insurance advisor. Your side of the bargain Remember, your premium and insurance are based on the details you have provided to us. Please make sure this information accurately reflects your business and that you inform us immediately if anything needs to change. Please also tell us of any changes in circumstances that may affect the services provided by us or the cover provided by your policy. This is particularly important before taking out a policy, but it also applies throughout the life of the policy too. You need to consider: ■if you fail to fairly present the risk to us, including by failing to disclose any information material to the insurance, you could invalidate the policy, claims may not be paid or the amount we pay maybe reduced; ■you should read and check all insurance documents to ensure that you are aware of the cover, limits and other terms that apply; ■if you fail to let us know of any changes to your circumstances during the period of insurance or, if when telling us about such changes you fail to present the risk to us fairly, you could invalidate the policy, claims may not be paid or the amount we pay maybe reduced; ■please be aware of all terms and conditions of your policy because failure to comply with them could invalidate it or result in us not paying a claim or reducing the amount we pay; ■in the event ofa claim, you should take note of the required procedures, such as giving Hiscox prompt notice of the claims, as stated in the policy documentation. In particular, if you fail to notify us when you first become aware ofa shortcoming, fact, or problem, admit you are liable for what has happened or appoint solicitors or other legal representation without our prior written approval, claims or defence costs may not be paid or the amount we pay maybe reduced; ■as with any insurance, you have an obligation to take reasonable steps to mitigate any loss or liability; ■if you make a fraudulent claim or try to deceive us, we may terminate the policy. Policy length The period of insurance is shown on your policy schedule. Your policy schedule will also show if the policy is ona continuing cover basis. If itis ona continuing cover basis, we will renew your policy each year for another 12 months and continue to take payment (including any premium adjustment shown in your renewal invitation) using your existing arrangement, unless you tell us otherwise or if your risk changes. If your policy schedule does not show that the policy is ona continuing cover basis, cover will cease at the end of the period of insurance, unless you renew your policy with us. We will provide you witha statement of fact each year and provided that the information contained within the statement of fact is true, complete and accurate, you do not need to provide us with any further information. If any of the information in your statement of fact is not true, complete and accurate, you must let us know. If you do not let us know, it may affect the validity of the policy or our ability to pay a claim. Retroactive dates, geographical and jurisdiction limits Where any section of your policy schedule includes a retroactive date, we will not make any payment for any claim or loss under that section which arises from any activity performed or any act, incident or occurrence taking place, before the retroactive date. Where any section of your policy schedule shows the geographical limits which apply to that section of the policy, we will only pay for claims and losses under that section which arise from activities performed or acts, incidents or occurrences taking place within those geographical limits. Where any section provides cover in respect of your liability to third parties, we will only cover claims first made ina country within the applicable courts stated in that section of your policy schedule. Hiscox Business Insurance Policy summary JAC-PSC-UK-DC556(5.4) 17431b 07/20 Cancellation rights You can cancel this policy by giving us 30 days' notice. You will only be charged for the premiums due up to the date of cancellation. If we need to cancel the policy, we’ll give you 30 days’ notice in writing and refund any surplus premiums you might have paid. Please note – we may deduct an administration fee from any refunded payment.There is an exception to our 30-day notice period, which is triggered when we don’t receive your Direct Debit payments within the agreed 14-day period. At this point, we will contact you as soon as possible and stop the policyPage / 2 immediately. Underwritten by:Hiscox Underwriting Ltd on behalf of the insurers named in the schedule. Page / 1 Certificate of professional indemnity insurance Clements 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:C_T36FBHCW-54S/VP7J267MN Name of policy holder:Clements Group Period of insurance: From 26 May, 2021 to 22 October, 2020 both days inclusive. This policy isa Continuing cover policy Insurer: Hiscox Insurance Company Limited Retroactive date: Mon 08 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: 26 May, 2021 Insurance details Policy number: C_T36FBHCW-54S/VP7J267MN Period of insurance: From 26 May, 2021 to 22 October, 2020 both days inclusive. This policy isa Continuing cover policy. Insured: Clements Group Address: 23 Dale inlet East Victoria FARNHAM IG06 5RW Additional insureds: None Business: Management Consultants Premium details Charged premium – the total amount you’ll pay for this policy. Charged premium: £9,894.34 Insurance Premium Tax (IPT): £8,343.10 Total charged premium: £93.65 Annualised premium – the annual premium for this policy. This is given for comparison purposes. Please refer to the charged premium section for the amount you’ll pay for the policy. Annual premium: £9,894.34 Insurance Premium Tax (IPT): £8,343.10 Annual total: £93.65 Please note that there will be no refund or additional premium for any transaction which is less than £20 (excluding IPT). Hiscox Business Insurance Policy Schedule 14502 10/18 Summary Claims information If you need to make a claim: - For claims relating to your building or contents please contact our claims team on 0800 247 1902, 9.00am – 5:30pm Monday to Friday. If you wish to make a claim online, you can log most claims quickly and easily through our claims notification portal at https://claims.hiscox.co.uk/. Outside of normal business hours, if you require emergency assistance in relation to substantial damage to your property, you can speak to our 24-hour emergency assistance team using the telephone number above. Your policy schedule will state if property cover is included in your policy. Our out-of-hours emergency assistance team operate ona pay-and-claim basis and you will need to have credit card details available as appropriate. The team will then be able to direct you to essential tradesmen, emergency loss adjusters or disaster management companies in the event of substantial damage. - If there isa claim (or potential claim) against you bya third party, please email us at liability.claims@hiscox.com. If you need to speak to a member of the claims team urgently, please call our team on 0800 711 7156, 9.00am – 5:30pm Monday to Friday. If you wish to make a claim online, you can log most claims quickly and easily through our claims notification portal at https://claims.hiscox.co.uk/. You will need to provide your full name and contact details, the name of your business or organisation, your address and postcode, the policy reference and circumstances of the claim. The Important information and contact details section below contains additional information specific to the covers applicable to your policy. If you are unsure of who to contact please call our team on 0800 711 7156, 9.00am – 5:30pm Monday to Friday. They will ensure you get through to the correct claims team and let you know what actions you need to take. If anything happens that might be covered under the policy, you must comply with the obligations set out in General claims conditions, together with the obligations set out under Your obligations in the section or sections under which you are making the claim. Itis important that you read the policy for details of its terms in full. Your covers This isa summary of each section of your policy. See each section for cover details. Cover Insurance amount Excess Annual Premium (exc IPT) Professional indemnity £1,000,000 £1,000 £9,665.63 Legal protection £100,000 £0 £3,577.56 Crisis containment £25,000 - £9,595.75 The figures above are in summary only and are not in addition to the amount insured specified against each cover section below. Hiscox Business Insurance Policy Schedule 14502 10/18 SECTION: PROFESSIONAL INDEMNITY – MANAGEMENT CONSULTANTS Cover start date: 26 May, 2021 Limit of indemnity £1,000,000 Limit applies to in the aggregate, including all costs Excess £1,000 Excess applies to each and every claim or loss, including all costs Geographical limits Worldwide Applicable courts Worldwide (excluding United States of America and Canada) Claims brought in USA or Canada Not covered Additional covers (in addition to overall limit of indemnity stated above) Cover Limit of indemnity Limit applies to Court attendance compensation - employees £250 per person, per day Court attendance compensation - directors and partners£500 per person, per day Court attendance compensation: in total £100,000 in the aggregate Special limits (included within not in addition to the overall limit of indemnity stated above) Cover Limit of indemnity Limit applies to Personal dataPage / 2 claims £250,000 in the aggregate, including all costs Business activities Business management consultant Retroactive date Mon 08 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	C_T36FBHCW-54S/VP7J267MN	(?<=Policy number - )[-\w_\/\.]+?(?= Company name)	26 May, 2021	(?<=anniversary of your policy is approaching on )[-\w_\/\. ,]+?(?= \.)	null	null	Business	(?<=time to renew your Hiscox )[-\w_\/\. ]+?(?= Insurance)	2024-02-05
hiscox-business-1	Hiscox Business Insurance - Policy number - U./F/GPSUU0IJ.H_A5//W.EQ9 Company name: Wright and Sons It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : U./F/GPSUU0IJ.H_A5//W.EQ9. Company name: Wright and Sons. Your Hiscox Insurance premium. Last year’s annual premium: This year’s annual premium. £ 4,817.70. £ 4,817.70. The premium includes all applicable insurance premium tax (IPT). Dear Dr Miss Shirley Mason. Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on Fri 10 April, 2020 . Good news; if you want cover to continue with us and to make sure you stay protected by our award-winning cover, you do not need to do anything. We will update your policy onto our latest wording and continue to collect payment using the payment details we have for you. You must read the important information contained in this email and the attached documents. Your Hiscox Insurance Premium breakdown. The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). The amount shown as last year’s Annual premium will take into account any changes to the cover which may have been made during the last policy period. Cover. Last year’s annual premium (exc IPT). This year’s annual Premium (exc IPT). Professional indemnity. £30.79. £30.79. Legal protection. £492.67. £492.67. Crisis containment. £137.38. Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy . Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government increase in Insurance Premium Tax as shown. Is our information correct? Your premium and cover are based on what you’ve told us about Wright 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 Fri 10 April, 2020 . We’re here between 8:30am - 5:30pm Monday to Friday . Please note that we can only discuss policy changes with people named on the policy. Why renew with Hiscox. - Reassuring: we offer a range of cover options that can be tailored to your needs. - Flexible: we offer full flexibility to change your policy, with no administration fees . - Award-winning cover : we’ve been named Best Small Business Insurer 7 years running by Start Your Business Magazine . Please click this link for the Hiscox Referral Portal: https://refer.aklamio.com/hiscox/uk?source=postpurchase. Thank you again for choosing Hiscox to insure your business. We hope you and your business have a very successful year. Kind regards. Jon Dye. CEO, Hiscox UK. Business Insurance for the small and the brave. To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre. Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. This email and any files transmitted with it are confidential and intended solely for the use of the individual or entity to whom they are addressed. No one else is authorised to distribute, forward, print, copy or act upon any information contained in this email. If you have received this email in error, please notify the sender. Hiscox Syndicates Limited and Hiscox Insurance Company Limited are authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Hiscox Underwriting Limited, Hiscox Underwriting Services Ltd, Hiscox MGA Ltd and Hiscox ASM Ltd are authorised and regulated by the Financial Conduct Authority. Hiscox Assure SAS is duly registered as an insurance broker with the ORIAS, which is the French Official Registry of Insurance Intermediaries. Hiscox plc is a company registered in England and Wales under company registration number 2837811 and registered office at 1 Great St Helen's, London EC3A 6HX. Hiscox SA is a company registered in Luxembourg at 35 Avenue John F. Kennedy 35F, Luxembourg L-1855, and is authorised by the Commissariat aux Assurances de Luxembourg. It’s time to renew your Hiscox Business Insurance Hiscox Insurance policy number : U./F/GPSUU0IJ.H_A5//W.EQ9 Company name: Wright and Sons . It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : U./F/GPSUU0IJ.H_A5//W.EQ9 Company name: Wright 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). £ 4,817.70 £ 4,817.70 . Your Hiscox Insurance premium . Last year’s annual premium: This year’s annual premium £ 4,817.70 £ 4,817.70 . The premium includes all applicable insurance premium tax (IPT). Dear Dr Miss Shirley Mason . Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on Fri 10 April, 2020 . Good news; if you want cover to continue with us and to make sure you stay protected by our award-winning cover, you do not need to do anything. We will update your policy onto our latest wording and continue to collect payment using the payment details we have for you. You must read the important information contained in this email and the attached documents Your Hiscox Insurance Premium breakdown The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). The amount shown as last year’s Annual premium will take into account any changes to the cover which may have been made during the last policy period. Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) Professional indemnity £30.79 £30.79 Legal protection £492.67 £492.67 Crisis containment £137.38 Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government increase in Insurance Premium Tax as shown. Is our information correct? Your premium and cover are based on what you’ve told us about Wright 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 Fri 10 April, 2020 . We’re here between 8:30am - 5:30pm Monday to Friday . Please note that we can only discuss policy changes with people named on the policy. Why renew with Hiscox - Reassuring: we offer a range of cover options that can be tailored to your needs - Flexible: we offer full flexibility to change your policy, with no administration fees - Award-winning cover : we’ve been named Best Small Business Insurer 7 years running by Start Your Business Magazine Please click this link for the Hiscox Referral Portal: https://refer.aklamio.com/hiscox/uk?source=postpurchase Thank you again for choosing Hiscox to insure your business. We hope you and your business have a very successful year. Kind regards Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on Fri 10 April, 2020 . Good news; if you want cover to continue with us and to make sure you stay protected by our award-winning cover, you do not need to do anything. We will update your policy onto our latest wording and continue to collect payment using the payment details we have for you. You must read the important information contained in this email and the attached documents Your Hiscox Insurance Premium breakdown The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). The amount shown as last year’s Annual premium will take into account any changes to the cover which may have been made during the last policy period. Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) Professional indemnity £30.79 £30.79 Legal protection £492.67 £492.67 Crisis containment £137.38 Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government increase in Insurance Premium Tax as shown. Is our information correct? Your premium and cover are based on what you’ve told us about Wright 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 Fri 10 April, 2020 . We’re here between 8:30am - 5:30pm Monday to Friday . Please note that we can only discuss policy changes with people named on the policy. Why renew with Hiscox - Reassuring: we offer a range of cover options that can be tailored to your needs - Flexible: we offer full flexibility to change your policy, with no administration fees - Award-winning cover : we’ve been named Best Small Business Insurer 7 years running by Start Your Business Magazine Please click this link for the Hiscox Referral Portal: https://refer.aklamio.com/hiscox/uk?source=postpurchase Thank you again for choosing Hiscox to insure your business. We hope you and your business have a very successful year. Kind regards Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Your Hiscox Insurance Premium breakdown The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). Cover Professional indemnity Legal protection Crisis containment . Last year’s annual premium (exc IPT) £30.79 £492.67 £137.38 . This year’s annual Premium (exc IPT) £30.79 £492.67 . Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) . Professional indemnity £30.79 £30.79 . Legal protection £492.67 £492.67 . Crisis containment £137.38 . Kind regards Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre . Kind regards . Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave . To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre . Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Page / 1 Hiscox Business Insurance Policy wording 17431a - DC565 WORDING 04/17Guide to sectionsIntroduction Policy wordings General terms and conditions Professional indemnity for business management consultants Legal protection Crisis containment Hiscox Business Insurance Policy wording 17431a - DC565 WORDING 04/17IntroductionThank you for choosing Hiscox to protect your business. We hope that the language and layout of this policy wording are clear because we want you to understand the insurance we provide as well as the responsibilities we have to each other. Please read this document, including the policy schedule, policy summary and statement of fact, and let us know as soon as possible if any of the details are shown incorrectly. We always try to deliver to the highest standards of service. Your views are important to us, so if you feel that our service is below the standard you would expect from Hiscox, please contact us on the phone number shown in your policy schedule. Please note that some of the words we use in this insurance are shown in bold type. These words are defined in each section of the wording. Page / 1 Hiscox Insurance Payment schedule Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Thank you for continuing to pay for your policy by Direct Debit. Please 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 Shirley Mason Frequency of collection: Annual Sort code: %BANK_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 27 October, 2025 £4,817.70 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: U./F/GPSUU0IJ.H_A5//W.EQ9 If you have any questions about your policy or payments, please call us on 0800 280 0351. We’re here between 8:30am - 5:30pm Monday to Friday or you can email us at service@hiscox.co.uk. Using your personal information Hiscox isa trading name ofa number of Hiscox companies. The specific company acting asa data controller of your personal information will be listed in the documentation we provide to you. If you are unsure you can also contact us at anytime by telephoning 01904 681198 or by emailing us at dataprotectionofficer@hiscox.com. We collect and process information about you in order to provide insurance policies and to process claims. Your information is also used for business purposes such as fraud prevention and detection and financial management. This may involve sharing your information with, and obtaining information about you from, our group companies and third parties such as brokers, loss adjusters, credit reference agencies, service providers, professional advisors, our regulators or fraud prevention agencies. We may record telephone calls to help us monitor and improve the service we provide. For further information on how your information is used and your rights in relation to your information please see our privacy policy at www.hiscox.co.uk/cookies-privacy. The Direct Debit Guarantee This Guarantee is offered by all banks and building societies that accept instructions to pay Direct Debits. If there are any changes to the amount, date or frequency of your Direct Debit Hiscox Underwriting Ltd will notify you ten working days in advance of your account being debited or as otherwise agreed. If you request Hiscox Underwriting Ltd to collect a payment, confirmation of the amount and date will be given to you at the time of the request. If an error is made in the payment of your Direct Debit by Hiscox Underwriting Ltd or your bank or building society you are entitled to a full and immediate refund of the amount paid from your bank or building society. – If you receive a refund you are not entitled to, you must pay it back when Hiscox Underwriting Ltd asks you to. You can cancel a Direct Debit at anytime by simply contacting your bank or building society. Written confirmation maybe required. Please also notify us. Page / 1 Hiscox Business Insurance Policy summary JAC-PSC-UK-DC556(5.4) 17431b 07/20 Your Hiscox Business Insurance policy summaries This document contains the summaries for any policy covers you have selected to protect your business. These summaries outline the key information about your policies so you can be confident that you have understood what you have bought and what you are covered for. However, you should carefully read your policy in full and ensure that you understand its terms and conditions in full. If you have any queries, you should contact Hiscox or your insurance advisor. Your side of the bargain Remember, your premium and insurance are based on the details you have provided to us. Please make sure this information accurately reflects your business and that you inform us immediately if anything needs to change. Please also tell us of any changes in circumstances that may affect the services provided by us or the cover provided by your policy. This is particularly important before taking out a policy, but it also applies throughout the life of the policy too. You need to consider: ■if you fail to fairly present the risk to us, including by failing to disclose any information material to the insurance, you could invalidate the policy, claims may not be paid or the amount we pay maybe reduced; ■you should read and check all insurance documents to ensure that you are aware of the cover, limits and other terms that apply; ■if you fail to let us know of any changes to your circumstances during the period of insurance or, if when telling us about such changes you fail to present the risk to us fairly, you could invalidate the policy, claims may not be paid or the amount we pay maybe reduced; ■please be aware of all terms and conditions of your policy because failure to comply with them could invalidate it or result in us not paying a claim or reducing the amount we pay; ■in the event ofa claim, you should take note of the required procedures, such as giving Hiscox prompt notice of the claims, as stated in the policy documentation. In particular, if you fail to notify us when you first become aware ofa shortcoming, fact, or problem, admit you are liable for what has happened or appoint solicitors or other legal representation without our prior written approval, claims or defence costs may not be paid or the amount we pay maybe reduced; ■as with any insurance, you have an obligation to take reasonable steps to mitigate any loss or liability; ■if you make a fraudulent claim or try to deceive us, we may terminate the policy. Policy length The period of insurance is shown on your policy schedule. Your policy schedule will also show if the policy is ona continuing cover basis. If itis ona continuing cover basis, we will renew your policy each year for another 12 months and continue to take payment (including any premium adjustment shown in your renewal invitation) using your existing arrangement, unless you tell us otherwise or if your risk changes. If your policy schedule does not show that the policy is ona continuing cover basis, cover will cease at the end of the period of insurance, unless you renew your policy with us. We will provide you witha statement of fact each year and provided that the information contained within the statement of fact is true, complete and accurate, you do not need to provide us with any further information. If any of the information in your statement of fact is not true, complete and accurate, you must let us know. If you do not let us know, it may affect the validity of the policy or our ability to pay a claim. Retroactive dates, geographical and jurisdiction limits Where any section of your policy schedule includes a retroactive date, we will not make any payment for any claim or loss under that section which arises from any activity performed or any act, incident or occurrence taking place, before the retroactive date. Where any section of your policy schedule shows the geographical limits which apply to that section of the policy, we will only pay for claims and losses under that section which arise from activities performed or acts, incidents or occurrences taking place within those geographical limits. Where any section provides cover in respect of your liability to third parties, we will only cover claims first made ina country within the applicable courts stated in that section of your policy schedule. Hiscox Business Insurance Policy summary JAC-PSC-UK-DC556(5.4) 17431b 07/20 Cancellation rights You can cancel this policy by giving us 30 days' notice. You will only be charged for the premiums due up to the date of cancellation. If we need to cancel the policy, we’ll give you 30 days’ notice in writing and refund any surplus premiums you might have paid. Please note – we may deduct an administration fee from any refunded payment.There is an exception to our 30-day notice period, which is triggered when we don’t receive your Direct Debit payments within the agreed 14-day period. At this point, we will contact you as soon as possible and stop the policyPage / 2 immediately. Underwritten by:Hiscox Underwriting Ltd on behalf of the insurers named in the schedule. Page / 1 Certificate of professional indemnity insurance Wright 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:U./F/GPSUU0IJ.H_A5//W.EQ9 Name of policy holder:Wright and Sons Period of insurance: From Fri 10 April, 2020 to Tuesday 22 December, 2020 both days inclusive. This policy isa Continuing cover policy Insurer: Hiscox Insurance Company Limited Retroactive date: 2024-11-11 Level of cover:£1,000,000 Signed on behalf of Hiscox Underwriting Limited as agent for the insurers Jon Dye CEO, Hiscox UK Notes: (a) This insurance is subject to policy terms and conditions and any special terms notified to the InsuredPage / 1 Hiscox Business Insurance Policy Schedule 14502 10/18 This schedule tells you what is insured with us. It should be read carefully with your policy wording(s) and statement of fact detailed elsewhere in this document. Schedule effective date: Fri 10 April, 2020 Insurance details Policy number: U./F/GPSUU0IJ.H_A5//W.EQ9 Period of insurance: From Fri 10 April, 2020 to Tuesday 22 December, 2020 both days inclusive. This policy isa Continuing cover policy. Insured: Wright and Sons Address: 60 Megan drive South Barry FARNHAM IG0 7XU Additional insureds: None Business: Management Consultants Premium details Charged premium – the total amount you’ll pay for this policy. Charged premium: £830.04 Insurance Premium Tax (IPT): £2,271.77 Total charged premium: £4,817.70 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: £830.04 Insurance Premium Tax (IPT): £2,271.77 Annual total: £4,817.70 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 £30.79 Legal protection £100,000 £0 £492.67 Crisis containment £25,000 - £137.38 The figures above are in summary only and are not in addition to the 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 10 April, 2020 Limit of indemnity £1,000,000 Limit applies to in the aggregate, including all costs Excess £1,000 Excess applies to each and every claim or loss, including all costs Geographical limits Worldwide Applicable courts Worldwide (excluding United States of America and Canada) Claims brought in USA or Canada Not covered Additional covers (in addition to overall limit of indemnity stated above) Cover Limit of indemnity Limit applies to Court attendance compensation - employees £250 per person, per day Court attendance compensation - directors and partners£500 per person, per day Court attendance compensation: in total £100,000 in the aggregate Special limits (included within not in addition to the overall limit of indemnity stated above) Cover Limit of indemnity Limit applies to Personal dataPage / 2 claims £250,000 in the aggregate, including all costs Business activities Business management consultant Retroactive date 2024-11-11 Insurer Hiscox Insurance Company LimitedPage / 1 Hiscox Insurance Summary of change Introduction This document has been created to help you understand the key changes to your Hiscox Insurance policy and how they may impact you. Your policy continues to offer professional, tailored insurance to protect you and give you peace of mind that if you need us, you will be supported by our award winning claims team. If you have a query not covered by this document, or if you have any questions or concerns about your policy you should contact us. Frequently asked questions What if my circumstances change during the period of insurance? If your circumstances change during the period of insurance, you only need to let us know if the change means that any of the information in the Statement of Fact is no longer true, complete and accurate. If there are no such changes, you do not need to let us know. If any of the information within the Statement of Fact becomes no longer complete, true or accurate at any point during the period of insurance you must tell us as it may affect the validity of the policy or our ability to pay a claim. Additionally, if your contact details change then you should let us know straightaway. Where doI find the limits that apply to my policy? You can find your maximum allowable limits for turnover and wage rollin your Statement of Fact. You must check this information and tell us or your broker if you expect to exceed the maximum amounts shown. Please note these values may have changed. If there are special limits or special excesses applying to particular covers or types of losses these will be shown in the policy schedule. Please check your policy schedule carefully as they may have changed. My new schedule shows a different premium to last year? What has changed? If an underwriter has reviewed your policy then they may have manually adjusted your premium, for example if you’ve had claims in the last 12 months. Where doI find out about any endorsements on my policy? You will be able to see if an endorsement has been applied or removed by reviewing your Policy Schedule. If you have any queries or concerns, please contact us or your broker if you have one. Hiscox Insurance Summary of change Professional indemnity for business management consultants Summary of change Changes to the cover The following table shows the differences between our new policy wordings (5570 WD- PROF-UK-MAN(7), 15579 WD-PROF-UK-MAN-AG(3)) and our previous wordings (5570 WD-PROF-UK-MAN(6), 15579 WD-PROF-UK-MAN-AG(2)). This isa summary of the changes only. You should refer to the schedule and policy wording for the full description of the cover in place. Area of cover Previous policy New policy Improvement in cover Claims against you Advertising claims. We will pay claims arising from your advertising or branding for defamation or infringement of copyright or moral rights. This does not include claims for passing off, unauthorised use of trademarks or false or misleading advertising. Previously cover was not restricted to defamation or the infringement of copyright or moral rights.Covered Amended Your own lossesChanges to ‘what is covered’ Losses from dishonesty. Your losses arising from the dishonesty of your employees, sub-contractors or outsourcers.Covered Not covered Area of cover Previous policy New policy Improvement in cover Cyber incident. We will not pay claims relating to an actual or possible cyber attack, hacker or social engineering communication. Previously we excluded any virus not specifically targeted at your system.Covered Not covered Computer or digital technology error. We will not pay claims arising from any negligent act, error or omission in the operation or maintenance of computer or digital technology such as development, installation, patching or upgrading.Covered Not coveredChanges to ‘what is not covered’ Infrastructure. We will not pay claims arising from the failure of the service provided by internet, telecommunications, utilities or other infrastructure providers.Covered Not covered Hiscox Insurance Summary of change Personal data. We will not pay claims relating to personal data. We will pay such claims where they arise from your performance ofa business activity and which is not otherwise excluded. Subject to the limit shown in the schedule.Covered Not covered Other important changes Control of defence. Under the previous wording we had a duty to defend you against any covered claim brought against you. We now have the right but not the obligation to take control of the conduct of the claim including the appointment of legal representation. Please refer to the policy wording for full details. SOC-PROF-UK-MAN(1) 21367 01/21	U./F/GPSUU0IJ.H_A5//W.EQ9	(?<=Policy number - )[-\w_\/\.]+?(?= Company name)	Fri 10 April, 2020	(?<=anniversary of your policy is approaching on )[-\w_\/\. ,]+?(?= \.)	null	null	Business	(?<=time to renew your Hiscox )[-\w_\/\. ]+?(?= Insurance)	2024-02-05
hiscox-business-1	Hiscox Business Insurance - Policy number - YEFHVEC Company name: Clarke-McDonald It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : YEFHVEC. Company name: Clarke-McDonald. Your Hiscox Insurance premium. Last year’s annual premium: This year’s annual premium. £ 989.62. £ 989.62. The premium includes all applicable insurance premium tax (IPT). Dear Mr Mrs Victoria Roberts. Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 18/06/19 . 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. £3,578.20. £3,578.20. Legal protection. £7,964.60. £7,964.60. Crisis containment. £3,843.13. Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy . Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government increase in Insurance Premium Tax as shown. Is our information correct? Your premium and cover are based on what you’ve told us about Clarke-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 18/06/19 . 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 : YEFHVEC Company name: Clarke-McDonald . It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : YEFHVEC Company name: Clarke-McDonald . Your Hiscox Insurance premium Last year’s annual premium: This year’s annual premium The premium includes all applicable insurance premium tax (IPT). £ 989.62 £ 989.62 . Your Hiscox Insurance premium . Last year’s annual premium: This year’s annual premium £ 989.62 £ 989.62 . The premium includes all applicable insurance premium tax (IPT). Dear Mr Mrs Victoria Roberts . Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 18/06/19 . 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 £3,578.20 £3,578.20 Legal protection £7,964.60 £7,964.60 Crisis containment £3,843.13 Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government increase in Insurance Premium Tax as shown. Is our information correct? Your premium and cover are based on what you’ve told us about Clarke-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 18/06/19 . 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 18/06/19 . 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 £3,578.20 £3,578.20 Legal protection £7,964.60 £7,964.60 Crisis containment £3,843.13 Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government increase in Insurance Premium Tax as shown. Is our information correct? Your premium and cover are based on what you’ve told us about Clarke-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 18/06/19 . 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) £3,578.20 £7,964.60 £3,843.13 . This year’s annual Premium (exc IPT) £3,578.20 £7,964.60 . Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) . Professional indemnity £3,578.20 £3,578.20 . Legal protection £7,964.60 £7,964.60 . Crisis containment £3,843.13 . Kind regards Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre . Kind regards . Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave . To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre . Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Page / 1 Hiscox Business Insurance Policy wording 17431a - DC565 WORDING 04/17Guide to sectionsIntroduction Policy wordings General terms and conditions Professional indemnity for business management consultants Legal protection Crisis containment Hiscox Business Insurance Policy wording 17431a - DC565 WORDING 04/17IntroductionThank you for choosing Hiscox to protect your business. We hope that the language and layout of this policy wording are clear because we want you to understand the insurance we provide as well as the responsibilities we have to each other. Please read this document, including the policy schedule, policy summary and statement of fact, and let us know as soon as possible if any of the details are shown incorrectly. We always try to deliver to the highest standards of service. Your views are important to us, so if you feel that our service is below the standard you would expect from Hiscox, please contact us on the phone number shown in your policy schedule. Please note that some of the words we use in this insurance are shown in bold type. These words are defined in each section of the wording. Page / 1 Hiscox Insurance Payment schedule Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Thank you for continuing to pay for your policy by Direct Debit. Please 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 Victoria Roberts Frequency of collection: Annual Sort code: %BANK_SORT_CODE_1% Account number: %BANK_ACCOUNT_NUMBER_1% Your Direct Debit schedule We will take payments on the dates outlined below: Date Amount 2023-08-06 £989.62 Where your chosen collection date falls ona non-working day then we will endeavour to collect the next working day. For your information, the collections will be made using the following reference number: Originator Identification Number: 293461 Reference Number: YEFHVEC If you have any questions about your policy or payments, please call us on 0800 280 0351. We’re here between 8:30am - 5:30pm Monday to Friday or you can email us at service@hiscox.co.uk. Using your personal information Hiscox isa trading name ofa number of Hiscox companies. The specific company acting asa data controller of your personal information will be listed in the documentation we provide to you. If you are unsure you can also contact us at anytime by telephoning 01904 681198 or by emailing us at dataprotectionofficer@hiscox.com. We collect and process information about you in order to provide insurance policies and to process claims. Your information is also used for business purposes such as fraud prevention and detection and financial management. This may involve sharing your information with, and obtaining information about you from, our group companies and third parties such as brokers, loss adjusters, credit reference agencies, service providers, professional advisors, our regulators or fraud prevention agencies. We may record telephone calls to help us monitor and improve the service we provide. For further information on how your information is used and your rights in relation to your information please see our privacy policy at www.hiscox.co.uk/cookies-privacy. The Direct Debit Guarantee This Guarantee is offered by all banks and building societies that accept instructions to pay Direct Debits. If there are any changes to the amount, date or frequency of your Direct Debit Hiscox Underwriting Ltd will notify you ten working days in advance of your account being debited or as otherwise agreed. If you request Hiscox Underwriting Ltd to collect a payment, confirmation of the amount and date will be given to you at the time of the request. If an error is made in the payment of your Direct Debit by Hiscox Underwriting Ltd or your bank or building society you are entitled to a full and immediate refund of the amount paid from your bank or building society. – If you receive a refund you are not entitled to, you must pay it back when Hiscox Underwriting Ltd asks you to. You can cancel a Direct Debit at anytime by simply contacting your bank or building society. Written confirmation maybe required. Please also notify us. Page / 1 Hiscox Business Insurance Policy summary JAC-PSC-UK-DC556(5.4) 17431b 07/20 Your Hiscox Business Insurance policy summaries This document contains the summaries for any policy covers you have selected to protect your business. These summaries outline the key information about your policies so you can be confident that you have understood what you have bought and what you are covered for. However, you should carefully read your policy in full and ensure that you understand its terms and conditions in full. If you have any queries, you should contact Hiscox or your insurance advisor. Your side of the bargain Remember, your premium and insurance are based on the details you have provided to us. Please make sure this information accurately reflects your business and that you inform us immediately if anything needs to change. Please also tell us of any changes in circumstances that may affect the services provided by us or the cover provided by your policy. This is particularly important before taking out a policy, but it also applies throughout the life of the policy too. You need to consider: ■if you fail to fairly present the risk to us, including by failing to disclose any information material to the insurance, you could invalidate the policy, claims may not be paid or the amount we pay maybe reduced; ■you should read and check all insurance documents to ensure that you are aware of the cover, limits and other terms that apply; ■if you fail to let us know of any changes to your circumstances during the period of insurance or, if when telling us about such changes you fail to present the risk to us fairly, you could invalidate the policy, claims may not be paid or the amount we pay maybe reduced; ■please be aware of all terms and conditions of your policy because failure to comply with them could invalidate it or result in us not paying a claim or reducing the amount we pay; ■in the event ofa claim, you should take note of the required procedures, such as giving Hiscox prompt notice of the claims, as stated in the policy documentation. In particular, if you fail to notify us when you first become aware ofa shortcoming, fact, or problem, admit you are liable for what has happened or appoint solicitors or other legal representation without our prior written approval, claims or defence costs may not be paid or the amount we pay maybe reduced; ■as with any insurance, you have an obligation to take reasonable steps to mitigate any loss or liability; ■if you make a fraudulent claim or try to deceive us, we may terminate the policy. Policy length The period of insurance is shown on your policy schedule. Your policy schedule will also show if the policy is ona continuing cover basis. If itis ona continuing cover basis, we will renew your policy each year for another 12 months and continue to take payment (including any premium adjustment shown in your renewal invitation) using your existing arrangement, unless you tell us otherwise or if your risk changes. If your policy schedule does not show that the policy is ona continuing cover basis, cover will cease at the end of the period of insurance, unless you renew your policy with us. We will provide you witha statement of fact each year and provided that the information contained within the statement of fact is true, complete and accurate, you do not need to provide us with any further information. If any of the information in your statement of fact is not true, complete and accurate, you must let us know. If you do not let us know, it may affect the validity of the policy or our ability to pay a claim. Retroactive dates, geographical and jurisdiction limits Where any section of your policy schedule includes a retroactive date, we will not make any payment for any claim or loss under that section which arises from any activity performed or any act, incident or occurrence taking place, before the retroactive date. Where any section of your policy schedule shows the geographical limits which apply to that section of the policy, we will only pay for claims and losses under that section which arise from activities performed or acts, incidents or occurrences taking place within those geographical limits. Where any section provides cover in respect of your liability to third parties, we will only cover claims first made ina country within the applicable courts stated in that section of your policy schedule. Hiscox Business Insurance Policy summary JAC-PSC-UK-DC556(5.4) 17431b 07/20 Cancellation rights You can cancel this policy by giving us 30 days' notice. You will only be charged for the premiums due up to the date of cancellation. If we need to cancel the policy, we’ll give you 30 days’ notice in writing and refund any surplus premiums you might have paid. Please note – we may deduct an administration fee from any refunded payment.There is an exception to our 30-day notice period, which is triggered when we don’t receive your Direct Debit payments within the agreed 14-day period. At this point, we will contact you as soon as possible and stop the policyPage / 2 immediately. Underwritten by:Hiscox Underwriting Ltd on behalf of the insurers named in the schedule. Page / 1 Certificate of professional indemnity insurance Clarke-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:YEFHVEC Name of policy holder:Clarke-McDonald Period of insurance: From 18/06/19 to 14/03/25 both days inclusive. This policy isa Continuing cover policy Insurer: Hiscox Insurance Company Limited Retroactive date: Monday 20 November, 2023 Level of cover:£1,000,000 Signed on behalf of Hiscox Underwriting Limited as agent for the insurers Jon Dye CEO, Hiscox UK Notes: (a) This insurance is subject to policy terms and conditions and any special terms notified to the InsuredPage / 1 Hiscox Business Insurance Policy Schedule 14502 10/18 This schedule tells you what is insured with us. It should be read carefully with your policy wording(s) and statement of fact detailed elsewhere in this document. Schedule effective date: 18/06/19 Insurance details Policy number: YEFHVEC Period of insurance: From 18/06/19 to 14/03/25 both days inclusive. This policy isa Continuing cover policy. Insured: Clarke-McDonald Address: Flat 30 Clifford dam Lake Debrachester FARNHAM BN3B 2GQ Additional insureds: None Business: Management Consultants Premium details Charged premium – the total amount you’ll pay for this policy. Charged premium: £9,392.55 Insurance Premium Tax (IPT): £444.40 Total charged premium: £989.62 Annualised premium – the annual premium for this policy. This is given for comparison purposes. Please refer to the charged premium section for the amount you’ll pay for the policy. Annual premium: £9,392.55 Insurance Premium Tax (IPT): £444.40 Annual total: £989.62 Please note that there will be no refund or additional premium for any transaction which is less than £20 (excluding IPT). Hiscox Business Insurance Policy Schedule 14502 10/18 Summary Claims information If you need to make a claim: - For claims relating to your building or contents please contact our claims team on 0800 247 1902, 9.00am – 5:30pm Monday to Friday. If you wish to make a claim online, you can log most claims quickly and easily through our claims notification portal at https://claims.hiscox.co.uk/. Outside of normal business hours, if you require emergency assistance in relation to substantial damage to your property, you can speak to our 24-hour emergency assistance team using the telephone number above. Your policy schedule will state if property cover is included in your policy. Our out-of-hours emergency assistance team operate ona pay-and-claim basis and you will need to have credit card details available as appropriate. The team will then be able to direct you to essential tradesmen, emergency loss adjusters or disaster management companies in the event of substantial damage. - If there isa claim (or potential claim) against you bya third party, please email us at liability.claims@hiscox.com. If you need to speak to a member of the claims team urgently, please call our team on 0800 711 7156, 9.00am – 5:30pm Monday to Friday. If you wish to make a claim online, you can log most claims quickly and easily through our claims notification portal at https://claims.hiscox.co.uk/. You will need to provide your full name and contact details, the name of your business or organisation, your address and postcode, the policy reference and circumstances of the claim. The Important information and contact details section below contains additional information specific to the covers applicable to your policy. If you are unsure of who to contact please call our team on 0800 711 7156, 9.00am – 5:30pm Monday to Friday. They will ensure you get through to the correct claims team and let you know what actions you need to take. If anything happens that might be covered under the policy, you must comply with the obligations set out in General claims conditions, together with the obligations set out under Your obligations in the section or sections under which you are making the claim. Itis important that you read the policy for details of its terms in full. Your covers This isa summary of each section of your policy. See each section for cover details. Cover Insurance amount Excess Annual Premium (exc IPT) Professional indemnity £1,000,000 £1,000 £3,578.20 Legal protection £100,000 £0 £7,964.60 Crisis containment £25,000 - £3,843.13 The figures above are in summary only and are not in addition to the amount insured specified against each cover section below. Hiscox Business Insurance Policy Schedule 14502 10/18 SECTION: PROFESSIONAL INDEMNITY – MANAGEMENT CONSULTANTS Cover start date: 18/06/19 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 dataPage / 2 claims £250,000 in the aggregate, including all costs Business activities Business management consultant Retroactive date Monday 20 November, 2023 Insurer Hiscox Insurance Company LimitedPage / 1 Hiscox Insurance Summary of change Introduction This document has been created to help you understand the key changes to your Hiscox Insurance policy and how they may impact you. Your policy continues to offer professional, tailored insurance to protect you and give you peace of mind that if you need us, you will be supported by our award winning claims team. If you have a query not covered by this document, or if you have any questions or concerns about your policy you should contact us. Frequently asked questions What if my circumstances change during the period of insurance? If your circumstances change during the period of insurance, you only need to let us know if the change means that any of the information in the Statement of Fact is no longer true, complete and accurate. If there are no such changes, you do not need to let us know. If any of the information within the Statement of Fact becomes no longer complete, true or accurate at any point during the period of insurance you must tell us as it may affect the validity of the policy or our ability to pay a claim. Additionally, if your contact details change then you should let us know straightaway. Where doI find the limits that apply to my policy? You can find your maximum allowable limits for turnover and wage rollin your Statement of Fact. You must check this information and tell us or your broker if you expect to exceed the maximum amounts shown. Please note these values may have changed. If there are special limits or special excesses applying to particular covers or types of losses these will be shown in the policy schedule. Please check your policy schedule carefully as they may have changed. My new schedule shows a different premium to last year? What has changed? If an underwriter has reviewed your policy then they may have manually adjusted your premium, for example if you’ve had claims in the last 12 months. Where doI find out about any endorsements on my policy? You will be able to see if an endorsement has been applied or removed by reviewing your Policy Schedule. If you have any queries or concerns, please contact us or your broker if you have one. Hiscox Insurance Summary of change Professional indemnity for business management consultants Summary of change Changes to the cover The following table shows the differences between our new policy wordings (5570 WD- PROF-UK-MAN(7), 15579 WD-PROF-UK-MAN-AG(3)) and our previous wordings (5570 WD-PROF-UK-MAN(6), 15579 WD-PROF-UK-MAN-AG(2)). This isa summary of the changes only. You should refer to the schedule and policy wording for the full description of the cover in place. Area of cover Previous policy New policy Improvement in cover Claims against you Advertising claims. We will pay claims arising from your advertising or branding for defamation or infringement of copyright or moral rights. This does not include claims for passing off, unauthorised use of trademarks or false or misleading advertising. Previously cover was not restricted to defamation or the infringement of copyright or moral rights.Covered Amended Your own lossesChanges to ‘what is covered’ Losses from dishonesty. Your losses arising from the dishonesty of your employees, sub-contractors or outsourcers.Covered Not covered Area of cover Previous policy New policy Improvement in cover Cyber incident. We will not pay claims relating to an actual or possible cyber attack, hacker or social engineering communication. Previously we excluded any virus not specifically targeted at your system.Covered Not covered Computer or digital technology error. We will not pay claims arising from any negligent act, error or omission in the operation or maintenance of computer or digital technology such as development, installation, patching or upgrading.Covered Not coveredChanges to ‘what is not covered’ Infrastructure. We will not pay claims arising from the failure of the service provided by internet, telecommunications, utilities or other infrastructure providers.Covered Not covered Hiscox Insurance Summary of change Personal data. We will not pay claims relating to personal data. We will pay such claims where they arise from your performance ofa business activity and which is not otherwise excluded. Subject to the limit shown in the schedule.Covered Not covered Other important changes Control of defence. Under the previous wording we had a duty to defend you against any covered claim brought against you. We now have the right but not the obligation to take control of the conduct of the claim including the appointment of legal representation. Please refer to the policy wording for full details. SOC-PROF-UK-MAN(1) 21367 01/21	YEFHVEC	(?<=Policy number - )[-\w_\/\.]+?(?= Company name)	18/06/19	(?<=anniversary of your policy is approaching on )[-\w_\/\. ,]+?(?= \.)	null	null	Business	(?<=time to renew your Hiscox )[-\w_\/\. ]+?(?= Insurance)	2024-02-05
hiscox-business-1	Hiscox Business Insurance - Policy number - QYX/EQIO/DRY Company name: Morgan-Shaw It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : QYX/EQIO/DRY. Company name: Morgan-Shaw. Your Hiscox Insurance premium. Last year’s annual premium: This year’s annual premium. £ 6,094.15. £ 6,094.15. The premium includes all applicable insurance premium tax (IPT). Dear Miss Jessica Gill. Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on Tue 03 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. £3,905.78. £3,905.78. Legal protection. £6,994.39. £6,994.39. Crisis containment. £739.49. Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy . Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government increase in Insurance Premium Tax as shown. Is our information correct? Your premium and cover are based on what you’ve told us about Morgan-Shaw , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay. . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover. Policy summary for each cover. ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover . As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before Tue 03 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 : QYX/EQIO/DRY Company name: Morgan-Shaw . It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : QYX/EQIO/DRY Company name: Morgan-Shaw . Your Hiscox Insurance premium Last year’s annual premium: This year’s annual premium The premium includes all applicable insurance premium tax (IPT). £ 6,094.15 £ 6,094.15 . Your Hiscox Insurance premium . Last year’s annual premium: This year’s annual premium £ 6,094.15 £ 6,094.15 . The premium includes all applicable insurance premium tax (IPT). Dear Miss Jessica Gill . Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on Tue 03 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 £3,905.78 £3,905.78 Legal protection £6,994.39 £6,994.39 Crisis containment £739.49 Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government increase in Insurance Premium Tax as shown. Is our information correct? Your premium and cover are based on what you’ve told us about Morgan-Shaw , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover Policy summary for each cover ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before Tue 03 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 Tue 03 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 £3,905.78 £3,905.78 Legal protection £6,994.39 £6,994.39 Crisis containment £739.49 Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government increase in Insurance Premium Tax as shown. Is our information correct? Your premium and cover are based on what you’ve told us about Morgan-Shaw , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover Policy summary for each cover ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before Tue 03 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) £3,905.78 £6,994.39 £739.49 . This year’s annual Premium (exc IPT) £3,905.78 £6,994.39 . Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) . Professional indemnity £3,905.78 £3,905.78 . Legal protection £6,994.39 £6,994.39 . Crisis containment £739.49 . Kind regards Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre . Kind regards . Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave . To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre . Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Page / 1 Hiscox Business Insurance Policy wording 17431a - DC565 WORDING 04/17Guide to sectionsIntroduction Policy wordings General terms and conditions Professional indemnity for business management consultants Legal protection Crisis containment Hiscox Business Insurance Policy wording 17431a - DC565 WORDING 04/17IntroductionThank you for choosing Hiscox to protect your business. We hope that the language and layout of this policy wording are clear because we want you to understand the insurance we provide as well as the responsibilities we have to each other. Please read this document, including the policy schedule, policy summary and statement of fact, and let us know as soon as possible if any of the details are shown incorrectly. We always try to deliver to the highest standards of service. Your views are important to us, so if you feel that our service is below the standard you would expect from Hiscox, please contact us on the phone number shown in your policy schedule. Please note that some of the words we use in this insurance are shown in bold type. These words are defined in each section of the wording. Page / 1 Hiscox Insurance Payment schedule Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Thank you for continuing to pay for your policy by Direct Debit. Please 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 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 Thu 02 May, 2024 £6,094.15 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: QYX/EQIO/DRY If you have any questions about your policy or payments, please call us on 0800 280 0351. We’re here between 8:30am - 5:30pm Monday to Friday or you can email us at service@hiscox.co.uk. Using your personal information Hiscox isa trading name ofa number of Hiscox companies. The specific company acting asa data controller of your personal information will be listed in the documentation we provide to you. If you are unsure you can also contact us at anytime by telephoning 01904 681198 or by emailing us at dataprotectionofficer@hiscox.com. We collect and process information about you in order to provide insurance policies and to process claims. Your information is also used for business purposes such as fraud prevention and detection and financial management. This may involve sharing your information with, and obtaining information about you from, our group companies and third parties such as brokers, loss adjusters, credit reference agencies, service providers, professional advisors, our regulators or fraud prevention agencies. We may record telephone calls to help us monitor and improve the service we provide. For further information on how your information is used and your rights in relation to your information please see our privacy policy at www.hiscox.co.uk/cookies-privacy. The Direct Debit Guarantee This Guarantee is offered by all banks and building societies that accept instructions to pay Direct Debits. If there are any changes to the amount, date or frequency of your Direct Debit Hiscox Underwriting Ltd will notify you ten working days in advance of your account being debited or as otherwise agreed. If you request Hiscox Underwriting Ltd to collect a payment, confirmation of the amount and date will be given to you at the time of the request. If an error is made in the payment of your Direct Debit by Hiscox Underwriting Ltd or your bank or building society you are entitled to a full and immediate refund of the amount paid from your bank or building society. – If you receive a refund you are not entitled to, you must pay it back when Hiscox Underwriting Ltd asks you to. You can cancel a Direct Debit at anytime by simply contacting your bank or building society. Written confirmation maybe required. Please also notify us. Page / 1 Hiscox Business Insurance Policy summary JAC-PSC-UK-DC556(5.4) 17431b 07/20 Your Hiscox Business Insurance policy summaries This document contains the summaries for any policy covers you have selected to protect your business. These summaries outline the key information about your policies so you can be confident that you have understood what you have bought and what you are covered for. However, you should carefully read your policy in full and ensure that you understand its terms and conditions in full. If you have any queries, you should contact Hiscox or your insurance advisor. Your side of the bargain Remember, your premium and insurance are based on the details you have provided to us. Please make sure this information accurately reflects your business and that you inform us immediately if anything needs to change. Please also tell us of any changes in circumstances that may affect the services provided by us or the cover provided by your policy. This is particularly important before taking out a policy, but it also applies throughout the life of the policy too. You need to consider: ■if you fail to fairly present the risk to us, including by failing to disclose any information material to the insurance, you could invalidate the policy, claims may not be paid or the amount we pay maybe reduced; ■you should read and check all insurance documents to ensure that you are aware of the cover, limits and other terms that apply; ■if you fail to let us know of any changes to your circumstances during the period of insurance or, if when telling us about such changes you fail to present the risk to us fairly, you could invalidate the policy, claims may not be paid or the amount we pay maybe reduced; ■please be aware of all terms and conditions of your policy because failure to comply with them could invalidate it or result in us not paying a claim or reducing the amount we pay; ■in the event ofa claim, you should take note of the required procedures, such as giving Hiscox prompt notice of the claims, as stated in the policy documentation. In particular, if you fail to notify us when you first become aware ofa shortcoming, fact, or problem, admit you are liable for what has happened or appoint solicitors or other legal representation without our prior written approval, claims or defence costs may not be paid or the amount we pay maybe reduced; ■as with any insurance, you have an obligation to take reasonable steps to mitigate any loss or liability; ■if you make a fraudulent claim or try to deceive us, we may terminate the policy. Policy length The period of insurance is shown on your policy schedule. Your policy schedule will also show if the policy is ona continuing cover basis. If itis ona continuing cover basis, we will renew your policy each year for another 12 months and continue to take payment (including any premium adjustment shown in your renewal invitation) using your existing arrangement, unless you tell us otherwise or if your risk changes. If your policy schedule does not show that the policy is ona continuing cover basis, cover will cease at the end of the period of insurance, unless you renew your policy with us. We will provide you witha statement of fact each year and provided that the information contained within the statement of fact is true, complete and accurate, you do not need to provide us with any further information. If any of the information in your statement of fact is not true, complete and accurate, you must let us know. If you do not let us know, it may affect the validity of the policy or our ability to pay a claim. Retroactive dates, geographical and jurisdiction limits Where any section of your policy schedule includes a retroactive date, we will not make any payment for any claim or loss under that section which arises from any activity performed or any act, incident or occurrence taking place, before the retroactive date. Where any section of your policy schedule shows the geographical limits which apply to that section of the policy, we will only pay for claims and losses under that section which arise from activities performed or acts, incidents or occurrences taking place within those geographical limits. Where any section provides cover in respect of your liability to third parties, we will only cover claims first made ina country within the applicable courts stated in that section of your policy schedule. Hiscox Business Insurance Policy summary JAC-PSC-UK-DC556(5.4) 17431b 07/20 Cancellation rights You can cancel this policy by giving us 30 days' notice. You will only be charged for the premiums due up to the date of cancellation. If we need to cancel the policy, we’ll give you 30 days’ notice in writing and refund any surplus premiums you might have paid. Please note – we may deduct an administration fee from any refunded payment.There is an exception to our 30-day notice period, which is triggered when we don’t receive your Direct Debit payments within the agreed 14-day period. At this point, we will contact you as soon as possible and stop the policyPage / 2 immediately. Underwritten by:Hiscox Underwriting Ltd on behalf of the insurers named in the schedule. Page / 1 Certificate of professional indemnity insurance Morgan-Shaw Hiscox Underwriting Ltd of 1 Great St. Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Certificate of professional indemnity Insurance Policy number:QYX/EQIO/DRY Name of policy holder:Morgan-Shaw Period of insurance: From Tue 03 August, 2021 to Sun 29 January, 2023 both days inclusive. This policy isa Continuing cover policy Insurer: Hiscox Insurance Company Limited Retroactive date: 15/09/2021 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: Tue 03 August, 2021 Insurance details Policy number: QYX/EQIO/DRY Period of insurance: From Tue 03 August, 2021 to Sun 29 January, 2023 both days inclusive. This policy isa Continuing cover policy. Insured: Morgan-Shaw Address: Studio 82 Barbara shores Harrisonmouth FARNHAM NW3B 4BH Additional insureds: None Business: Management Consultants Premium details Charged premium – the total amount you’ll pay for this policy. Charged premium: £1,821.04 Insurance Premium Tax (IPT): £6,603.50 Total charged premium: £6,094.15 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: £1,821.04 Insurance Premium Tax (IPT): £6,603.50 Annual total: £6,094.15 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 £3,905.78 Legal protection £100,000 £0 £6,994.39 Crisis containment £25,000 - £739.49 The figures above are in summary only and are not in addition to the 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 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 dataPage / 2 claims £250,000 in the aggregate, including all costs Business activities Business management consultant Retroactive date 15/09/2021 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	QYX/EQIO/DRY	(?<=Policy number - )[-\w_\/\.]+?(?= Company name)	Tue 03 August, 2021	(?<=anniversary of your policy is approaching on )[-\w_\/\. ,]+?(?= \.)	null	null	Business	(?<=time to renew your Hiscox )[-\w_\/\. ]+?(?= Insurance)	2024-02-05
hiscox-business-1	Hiscox Business Insurance - Policy number - H/N3VY--Q.HP Company name: Murphy-Humphries It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : H/N3VY--Q.HP. Company name: Murphy-Humphries. Your Hiscox Insurance premium. Last year’s annual premium: This year’s annual premium. £ 7,139.75. £ 7,139.75. The premium includes all applicable insurance premium tax (IPT). Dear Mrs Sam Black-Woods. Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 15 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. £401.62. £401.62. Legal protection. £8,765.33. £8,765.33. Crisis containment. £1,019.48. Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy . Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government 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-Humphries , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay. . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover. Policy summary for each cover. ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover . As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, 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 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 : H/N3VY--Q.HP Company name: Murphy-Humphries . It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : H/N3VY--Q.HP Company name: Murphy-Humphries . Your Hiscox Insurance premium Last year’s annual premium: This year’s annual premium The premium includes all applicable insurance premium tax (IPT). £ 7,139.75 £ 7,139.75 . Your Hiscox Insurance premium . Last year’s annual premium: This year’s annual premium £ 7,139.75 £ 7,139.75 . The premium includes all applicable insurance premium tax (IPT). Dear Mrs Sam Black-Woods . Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 15 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 £401.62 £401.62 Legal protection £8,765.33 £8,765.33 Crisis containment £1,019.48 Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government 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-Humphries , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover Policy summary for each cover ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, 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 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 15 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 £401.62 £401.62 Legal protection £8,765.33 £8,765.33 Crisis containment £1,019.48 Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government 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-Humphries , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover Policy summary for each cover ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, 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 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) £401.62 £8,765.33 £1,019.48 . This year’s annual Premium (exc IPT) £401.62 £8,765.33 . Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) . Professional indemnity £401.62 £401.62 . Legal protection £8,765.33 £8,765.33 . Crisis containment £1,019.48 . Kind regards Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre . Kind regards . Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave . To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre . Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Page / 1 Hiscox Business Insurance Policy wording 17431a - DC565 WORDING 04/17Guide to sectionsIntroduction Policy wordings General terms and conditions Professional indemnity for business management consultants Legal protection Crisis containment Hiscox Business Insurance Policy wording 17431a - DC565 WORDING 04/17IntroductionThank you for choosing Hiscox to protect your business. We hope that the language and layout of this policy wording are clear because we want you to understand the insurance we provide as well as the responsibilities we have to each other. Please read this document, including the policy schedule, policy summary and statement of fact, and let us know as soon as possible if any of the details are shown incorrectly. We always try to deliver to the highest standards of service. Your views are important to us, so if you feel that our service is below the standard you would expect from Hiscox, please contact us on the phone number shown in your policy schedule. Please note that some of the words we use in this insurance are shown in bold type. These words are defined in each section of the wording. Page / 1 Hiscox Insurance Payment schedule Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Thank you for continuing to pay for your policy by Direct Debit. Please 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 Black-Woods Frequency of collection: Annual Sort code: %BANK_SORT_CODE_1% Account number: %BANK_ACCOUNT_NUMBER_1% Your Direct Debit schedule We will take payments on the dates outlined below: Date Amount 04 July, 2021 £7,139.75 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: H/N3VY--Q.HP If you have any questions about your policy or payments, please call us on 0800 280 0351. We’re here between 8:30am - 5:30pm Monday to Friday or you can email us at service@hiscox.co.uk. Using your personal information Hiscox isa trading name ofa number of Hiscox companies. The specific company acting asa data controller of your personal information will be listed in the documentation we provide to you. If you are unsure you can also contact us at anytime by telephoning 01904 681198 or by emailing us at dataprotectionofficer@hiscox.com. We collect and process information about you in order to provide insurance policies and to process claims. Your information is also used for business purposes such as fraud prevention and detection and financial management. This may involve sharing your information with, and obtaining information about you from, our group companies and third parties such as brokers, loss adjusters, credit reference agencies, service providers, professional advisors, our regulators or fraud prevention agencies. We may record telephone calls to help us monitor and improve the service we provide. For further information on how your information is used and your rights in relation to your information please see our privacy policy at www.hiscox.co.uk/cookies-privacy. The Direct Debit Guarantee This Guarantee is offered by all banks and building societies that accept instructions to pay Direct Debits. If there are any changes to the amount, date or frequency of your Direct Debit Hiscox Underwriting Ltd will notify you ten working days in advance of your account being debited or as otherwise agreed. If you request Hiscox Underwriting Ltd to collect a payment, confirmation of the amount and date will be given to you at the time of the request. If an error is made in the payment of your Direct Debit by Hiscox Underwriting Ltd or your bank or building society you are entitled to a full and immediate refund of the amount paid from your bank or building society. – If you receive a refund you are not entitled to, you must pay it back when Hiscox Underwriting Ltd asks you to. You can cancel a Direct Debit at anytime by simply contacting your bank or building society. Written confirmation maybe required. Please also notify us. Page / 1 Hiscox Business Insurance Policy summary JAC-PSC-UK-DC556(5.4) 17431b 07/20 Your Hiscox Business Insurance policy summaries This document contains the summaries for any policy covers you have selected to protect your business. These summaries outline the key information about your policies so you can be confident that you have understood what you have bought and what you are covered for. However, you should carefully read your policy in full and ensure that you understand its terms and conditions in full. If you have any queries, you should contact Hiscox or your insurance advisor. Your side of the bargain Remember, your premium and insurance are based on the details you have provided to us. Please make sure this information accurately reflects your business and that you inform us immediately if anything needs to change. Please also tell us of any changes in circumstances that may affect the services provided by us or the cover provided by your policy. This is particularly important before taking out a policy, but it also applies throughout the life of the policy too. You need to consider: ■if you fail to fairly present the risk to us, including by failing to disclose any information material to the insurance, you could invalidate the policy, claims may not be paid or the amount we pay maybe reduced; ■you should read and check all insurance documents to ensure that you are aware of the cover, limits and other terms that apply; ■if you fail to let us know of any changes to your circumstances during the period of insurance or, if when telling us about such changes you fail to present the risk to us fairly, you could invalidate the policy, claims may not be paid or the amount we pay maybe reduced; ■please be aware of all terms and conditions of your policy because failure to comply with them could invalidate it or result in us not paying a claim or reducing the amount we pay; ■in the event ofa claim, you should take note of the required procedures, such as giving Hiscox prompt notice of the claims, as stated in the policy documentation. In particular, if you fail to notify us when you first become aware ofa shortcoming, fact, or problem, admit you are liable for what has happened or appoint solicitors or other legal representation without our prior written approval, claims or defence costs may not be paid or the amount we pay maybe reduced; ■as with any insurance, you have an obligation to take reasonable steps to mitigate any loss or liability; ■if you make a fraudulent claim or try to deceive us, we may terminate the policy. Policy length The period of insurance is shown on your policy schedule. Your policy schedule will also show if the policy is ona continuing cover basis. If itis ona continuing cover basis, we will renew your policy each year for another 12 months and continue to take payment (including any premium adjustment shown in your renewal invitation) using your existing arrangement, unless you tell us otherwise or if your risk changes. If your policy schedule does not show that the policy is ona continuing cover basis, cover will cease at the end of the period of insurance, unless you renew your policy with us. We will provide you witha statement of fact each year and provided that the information contained within the statement of fact is true, complete and accurate, you do not need to provide us with any further information. If any of the information in your statement of fact is not true, complete and accurate, you must let us know. If you do not let us know, it may affect the validity of the policy or our ability to pay a claim. Retroactive dates, geographical and jurisdiction limits Where any section of your policy schedule includes a retroactive date, we will not make any payment for any claim or loss under that section which arises from any activity performed or any act, incident or occurrence taking place, before the retroactive date. Where any section of your policy schedule shows the geographical limits which apply to that section of the policy, we will only pay for claims and losses under that section which arise from activities performed or acts, incidents or occurrences taking place within those geographical limits. Where any section provides cover in respect of your liability to third parties, we will only cover claims first made ina country within the applicable courts stated in that section of your policy schedule. Hiscox Business Insurance Policy summary JAC-PSC-UK-DC556(5.4) 17431b 07/20 Cancellation rights You can cancel this policy by giving us 30 days' notice. You will only be charged for the premiums due up to the date of cancellation. If we need to cancel the policy, we’ll give you 30 days’ notice in writing and refund any surplus premiums you might have paid. Please note – we may deduct an administration fee from any refunded payment.There is an exception to our 30-day notice period, which is triggered when we don’t receive your Direct Debit payments within the agreed 14-day period. At this point, we will contact you as soon as possible and stop the 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-Humphries Hiscox Underwriting Ltd of 1 Great St. Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Certificate of professional indemnity Insurance Policy number:H/N3VY--Q.HP Name of policy holder:Murphy-Humphries Period of insurance: From 15 July, 2021 to Sat 31 January, 2026 both days inclusive. This policy isa Continuing cover policy Insurer: Hiscox Insurance Company Limited Retroactive date: 2023-04-20 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: 15 July, 2021 Insurance details Policy number: H/N3VY--Q.HP Period of insurance: From 15 July, 2021 to Sat 31 January, 2026 both days inclusive. This policy isa Continuing cover policy. Insured: Murphy-Humphries Address: 092 Bryan mountain East Gerald FARNHAM E3F 6YA Additional insureds: None Business: Management Consultants Premium details Charged premium – the total amount you’ll pay for this policy. Charged premium: £4,185.34 Insurance Premium Tax (IPT): £2,567.28 Total charged premium: £7,139.75 Annualised premium – the annual premium for this policy. This is given for comparison purposes. Please refer to the charged premium section for the amount you’ll pay for the policy. Annual premium: £4,185.34 Insurance Premium Tax (IPT): £2,567.28 Annual total: £7,139.75 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 £401.62 Legal protection £100,000 £0 £8,765.33 Crisis containment £25,000 - £1,019.48 The figures above are in summary only and are not in addition to the 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 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 dataPage / 2 claims £250,000 in the aggregate, including all costs Business activities Business management consultant Retroactive date 2023-04-20 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	H/N3VY--Q.HP	(?<=Policy number - )[-\w_\/\.]+?(?= Company name)	15 July, 2021	(?<=anniversary of your policy is approaching on )[-\w_\/\. ,]+?(?= \.)	null	null	Business	(?<=time to renew your Hiscox )[-\w_\/\. ]+?(?= Insurance)	2024-02-05
hiscox-business-1	Hiscox Business Insurance - Policy number - womif/zixn Company name: Bird Group It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : womif/zixn. Company name: Bird Group. Your Hiscox Insurance premium. Last year’s annual premium: This year’s annual premium. £ 4,120.39. £ 4,120.39. The premium includes all applicable insurance premium tax (IPT). Dear Ms Dr Vanessa Watson. Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on Sat 28 June, 2025 . Good news; if you want cover to continue with us and to make sure you stay protected by our award-winning cover, you do not need to do anything. We will update your policy onto our latest wording and continue to collect payment using the payment details we have for you. You must read the important information contained in this email and the attached documents. Your Hiscox Insurance Premium breakdown. The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). The amount shown as last year’s Annual premium will take into account any changes to the cover which may have been made during the last policy period. Cover. Last year’s annual premium (exc IPT). This year’s annual Premium (exc IPT). Professional indemnity. £6,215.77. £6,215.77. Legal protection. £2,233.41. £2,233.41. Crisis containment. £861.88. Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy . Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government increase in Insurance Premium Tax as shown. Is our information correct? Your premium and cover are based on what you’ve told us about Bird 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 Sat 28 June, 2025 . We’re here between 8:30am - 5:30pm Monday to Friday . Please note that we can only discuss policy changes with people named on the policy. Why renew with Hiscox. - Reassuring: we offer a range of cover options that can be tailored to your needs. - Flexible: we offer full flexibility to change your policy, with no administration fees . - Award-winning cover : we’ve been named Best Small Business Insurer 7 years running by Start Your Business Magazine . Please click this link for the Hiscox Referral Portal: https://refer.aklamio.com/hiscox/uk?source=postpurchase. Thank you again for choosing Hiscox to insure your business. We hope you and your business have a very successful year. Kind regards. Jon Dye. CEO, Hiscox UK. Business Insurance for the small and the brave. To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre. Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. This email and any files transmitted with it are confidential and intended solely for the use of the individual or entity to whom they are addressed. No one else is authorised to distribute, forward, print, copy or act upon any information contained in this email. If you have received this email in error, please notify the sender. Hiscox Syndicates Limited and Hiscox Insurance Company Limited are authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Hiscox Underwriting Limited, Hiscox Underwriting Services Ltd, Hiscox MGA Ltd and Hiscox ASM Ltd are authorised and regulated by the Financial Conduct Authority. Hiscox Assure SAS is duly registered as an insurance broker with the ORIAS, which is the French Official Registry of Insurance Intermediaries. Hiscox plc is a company registered in England and Wales under company registration number 2837811 and registered office at 1 Great St Helen's, London EC3A 6HX. Hiscox SA is a company registered in Luxembourg at 35 Avenue John F. Kennedy 35F, Luxembourg L-1855, and is authorised by the Commissariat aux Assurances de Luxembourg. It’s time to renew your Hiscox Business Insurance Hiscox Insurance policy number : womif/zixn Company name: Bird Group . It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : womif/zixn Company name: Bird Group . Your Hiscox Insurance premium Last year’s annual premium: This year’s annual premium The premium includes all applicable insurance premium tax (IPT). £ 4,120.39 £ 4,120.39 . Your Hiscox Insurance premium . Last year’s annual premium: This year’s annual premium £ 4,120.39 £ 4,120.39 . The premium includes all applicable insurance premium tax (IPT). Dear Ms Dr Vanessa Watson . Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on Sat 28 June, 2025 . Good news; if you want cover to continue with us and to make sure you stay protected by our award-winning cover, you do not need to do anything. We will update your policy onto our latest wording and continue to collect payment using the payment details we have for you. You must read the important information contained in this email and the attached documents Your Hiscox Insurance Premium breakdown The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). The amount shown as last year’s Annual premium will take into account any changes to the cover which may have been made during the last policy period. Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) Professional indemnity £6,215.77 £6,215.77 Legal protection £2,233.41 £2,233.41 Crisis containment £861.88 Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government increase in Insurance Premium Tax as shown. Is our information correct? Your premium and cover are based on what you’ve told us about Bird 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 Sat 28 June, 2025 . We’re here between 8:30am - 5:30pm Monday to Friday . Please note that we can only discuss policy changes with people named on the policy. Why renew with Hiscox - Reassuring: we offer a range of cover options that can be tailored to your needs - Flexible: we offer full flexibility to change your policy, with no administration fees - Award-winning cover : we’ve been named Best Small Business Insurer 7 years running by Start Your Business Magazine Please click this link for the Hiscox Referral Portal: https://refer.aklamio.com/hiscox/uk?source=postpurchase Thank you again for choosing Hiscox to insure your business. We hope you and your business have a very successful year. Kind regards Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on Sat 28 June, 2025 . Good news; if you want cover to continue with us and to make sure you stay protected by our award-winning cover, you do not need to do anything. We will update your policy onto our latest wording and continue to collect payment using the payment details we have for you. You must read the important information contained in this email and the attached documents Your Hiscox Insurance Premium breakdown The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). The amount shown as last year’s Annual premium will take into account any changes to the cover which may have been made during the last policy period. Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) Professional indemnity £6,215.77 £6,215.77 Legal protection £2,233.41 £2,233.41 Crisis containment £861.88 Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government increase in Insurance Premium Tax as shown. Is our information correct? Your premium and cover are based on what you’ve told us about Bird 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 Sat 28 June, 2025 . We’re here between 8:30am - 5:30pm Monday to Friday . Please note that we can only discuss policy changes with people named on the policy. Why renew with Hiscox - Reassuring: we offer a range of cover options that can be tailored to your needs - Flexible: we offer full flexibility to change your policy, with no administration fees - Award-winning cover : we’ve been named Best Small Business Insurer 7 years running by Start Your Business Magazine Please click this link for the Hiscox Referral Portal: https://refer.aklamio.com/hiscox/uk?source=postpurchase Thank you again for choosing Hiscox to insure your business. We hope you and your business have a very successful year. Kind regards Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Your Hiscox Insurance Premium breakdown The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). Cover Professional indemnity Legal protection Crisis containment . Last year’s annual premium (exc IPT) £6,215.77 £2,233.41 £861.88 . This year’s annual Premium (exc IPT) £6,215.77 £2,233.41 . Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) . Professional indemnity £6,215.77 £6,215.77 . Legal protection £2,233.41 £2,233.41 . Crisis containment £861.88 . Kind regards Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre . Kind regards . Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave . To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre . Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Page / 1 Hiscox Business Insurance Policy wording 17431a - DC565 WORDING 04/17Guide to sectionsIntroduction Policy wordings General terms and conditions Professional indemnity for business management consultants Legal protection Crisis containment Hiscox Business Insurance Policy wording 17431a - DC565 WORDING 04/17IntroductionThank you for choosing Hiscox to protect your business. We hope that the language and layout of this policy wording are clear because we want you to understand the insurance we provide as well as the responsibilities we have to each other. Please read this document, including the policy schedule, policy summary and statement of fact, and let us know as soon as possible if any of the details are shown incorrectly. We always try to deliver to the highest standards of service. Your views are important to us, so if you feel that our service is below the standard you would expect from Hiscox, please contact us on the phone number shown in your policy schedule. Please note that some of the words we use in this insurance are shown in bold type. These words are defined in each section of the wording. Page / 1 Hiscox Insurance Payment schedule Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Thank you for continuing to pay for your policy by Direct Debit. Please 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 Vanessa Watson Frequency of collection: Annual Sort code: %BANK_SORT_CODE_1% Account number: %BANK_ACCOUNT_NUMBER_1% Your Direct Debit schedule We will take payments on the dates outlined below: Date Amount Sun 15 September, 2024 £4,120.39 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: womif/zixn If you have any questions about your policy or payments, please call us on 0800 280 0351. We’re here between 8:30am - 5:30pm Monday to Friday or you can email us at service@hiscox.co.uk. Using your personal information Hiscox isa trading name ofa number of Hiscox companies. The specific company acting asa data controller of your personal information will be listed in the documentation we provide to you. If you are unsure you can also contact us at anytime by telephoning 01904 681198 or by emailing us at dataprotectionofficer@hiscox.com. We collect and process information about you in order to provide insurance policies and to process claims. Your information is also used for business purposes such as fraud prevention and detection and financial management. This may involve sharing your information with, and obtaining information about you from, our group companies and third parties such as brokers, loss adjusters, credit reference agencies, service providers, professional advisors, our regulators or fraud prevention agencies. We may record telephone calls to help us monitor and improve the service we provide. For further information on how your information is used and your rights in relation to your information please see our privacy policy at www.hiscox.co.uk/cookies-privacy. The Direct Debit Guarantee This Guarantee is offered by all banks and building societies that accept instructions to pay Direct Debits. If there are any changes to the amount, date or frequency of your Direct Debit Hiscox Underwriting Ltd will notify you ten working days in advance of your account being debited or as otherwise agreed. If you request Hiscox Underwriting Ltd to collect a payment, confirmation of the amount and date will be given to you at the time of the request. If an error is made in the payment of your Direct Debit by Hiscox Underwriting Ltd or your bank or building society you are entitled to a full and immediate refund of the amount paid from your bank or building society. – If you receive a refund you are not entitled to, you must pay it back when Hiscox Underwriting Ltd asks you to. You can cancel a Direct Debit at anytime by simply contacting your bank or building society. Written confirmation maybe required. Please also notify us. Page / 1 Hiscox Business Insurance Policy summary JAC-PSC-UK-DC556(5.4) 17431b 07/20 Your Hiscox Business Insurance policy summaries This document contains the summaries for any policy covers you have selected to protect your business. These summaries outline the key information about your policies so you can be confident that you have understood what you have bought and what you are covered for. However, you should carefully read your policy in full and ensure that you understand its terms and conditions in full. If you have any queries, you should contact Hiscox or your insurance advisor. Your side of the bargain Remember, your premium and insurance are based on the details you have provided to us. Please make sure this information accurately reflects your business and that you inform us immediately if anything needs to change. Please also tell us of any changes in circumstances that may affect the services provided by us or the cover provided by your policy. This is particularly important before taking out a policy, but it also applies throughout the life of the policy too. You need to consider: ■if you fail to fairly present the risk to us, including by failing to disclose any information material to the insurance, you could invalidate the policy, claims may not be paid or the amount we pay maybe reduced; ■you should read and check all insurance documents to ensure that you are aware of the cover, limits and other terms that apply; ■if you fail to let us know of any changes to your circumstances during the period of insurance or, if when telling us about such changes you fail to present the risk to us fairly, you could invalidate the policy, claims may not be paid or the amount we pay maybe reduced; ■please be aware of all terms and conditions of your policy because failure to comply with them could invalidate it or result in us not paying a claim or reducing the amount we pay; ■in the event ofa claim, you should take note of the required procedures, such as giving Hiscox prompt notice of the claims, as stated in the policy documentation. In particular, if you fail to notify us when you first become aware ofa shortcoming, fact, or problem, admit you are liable for what has happened or appoint solicitors or other legal representation without our prior written approval, claims or defence costs may not be paid or the amount we pay maybe reduced; ■as with any insurance, you have an obligation to take reasonable steps to mitigate any loss or liability; ■if you make a fraudulent claim or try to deceive us, we may terminate the policy. Policy length The period of insurance is shown on your policy schedule. Your policy schedule will also show if the policy is ona continuing cover basis. If itis ona continuing cover basis, we will renew your policy each year for another 12 months and continue to take payment (including any premium adjustment shown in your renewal invitation) using your existing arrangement, unless you tell us otherwise or if your risk changes. If your policy schedule does not show that the policy is ona continuing cover basis, cover will cease at the end of the period of insurance, unless you renew your policy with us. We will provide you witha statement of fact each year and provided that the information contained within the statement of fact is true, complete and accurate, you do not need to provide us with any further information. If any of the information in your statement of fact is not true, complete and accurate, you must let us know. If you do not let us know, it may affect the validity of the policy or our ability to pay a claim. Retroactive dates, geographical and jurisdiction limits Where any section of your policy schedule includes a retroactive date, we will not make any payment for any claim or loss under that section which arises from any activity performed or any act, incident or occurrence taking place, before the retroactive date. Where any section of your policy schedule shows the geographical limits which apply to that section of the policy, we will only pay for claims and losses under that section which arise from activities performed or acts, incidents or occurrences taking place within those geographical limits. Where any section provides cover in respect of your liability to third parties, we will only cover claims first made ina country within the applicable courts stated in that section of your policy schedule. Hiscox Business Insurance Policy summary JAC-PSC-UK-DC556(5.4) 17431b 07/20 Cancellation rights You can cancel this policy by giving us 30 days' notice. You will only be charged for the premiums due up to the date of cancellation. If we need to cancel the policy, we’ll give you 30 days’ notice in writing and refund any surplus premiums you might have paid. Please note – we may deduct an administration fee from any refunded payment.There is an exception to our 30-day notice period, which is triggered when we don’t receive your Direct Debit payments within the agreed 14-day period. At this point, we will contact you as soon as possible and stop the policyPage / 2 immediately. Underwritten by:Hiscox Underwriting Ltd on behalf of the insurers named in the schedule. Page / 1 Certificate of professional indemnity insurance Bird 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:womif/zixn Name of policy holder:Bird Group Period of insurance: From Sat 28 June, 2025 to Thursday 20 March, 2025 both days inclusive. This policy isa Continuing cover policy Insurer: Hiscox Insurance Company Limited Retroactive date: Tuesday 17 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: Sat 28 June, 2025 Insurance details Policy number: womif/zixn Period of insurance: From Sat 28 June, 2025 to Thursday 20 March, 2025 both days inclusive. This policy isa Continuing cover policy. Insured: Bird Group Address: 0 Sharp mountain Paulborough FARNHAM N1 3JF Additional insureds: None Business: Management Consultants Premium details Charged premium – the total amount you’ll pay for this policy. Charged premium: £7,502.47 Insurance Premium Tax (IPT): £5,257.17 Total charged premium: £4,120.39 Annualised premium – the annual premium for this policy. This is given for comparison purposes. Please refer to the charged premium section for the amount you’ll pay for the policy. Annual premium: £7,502.47 Insurance Premium Tax (IPT): £5,257.17 Annual total: £4,120.39 Please note that there will be no refund or additional premium for any transaction which is less than £20 (excluding IPT). Hiscox Business Insurance Policy Schedule 14502 10/18 Summary Claims information If you need to make a claim: - For claims relating to your building or contents please contact our claims team on 0800 247 1902, 9.00am – 5:30pm Monday to Friday. If you wish to make a claim online, you can log most claims quickly and easily through our claims notification portal at https://claims.hiscox.co.uk/. Outside of normal business hours, if you require emergency assistance in relation to substantial damage to your property, you can speak to our 24-hour emergency assistance team using the telephone number above. Your policy schedule will state if property cover is included in your policy. Our out-of-hours emergency assistance team operate ona pay-and-claim basis and you will need to have credit card details available as appropriate. The team will then be able to direct you to essential tradesmen, emergency loss adjusters or disaster management companies in the event of substantial damage. - If there isa claim (or potential claim) against you bya third party, please email us at liability.claims@hiscox.com. If you need to speak to a member of the claims team urgently, please call our team on 0800 711 7156, 9.00am – 5:30pm Monday to Friday. If you wish to make a claim online, you can log most claims quickly and easily through our claims notification portal at https://claims.hiscox.co.uk/. You will need to provide your full name and contact details, the name of your business or organisation, your address and postcode, the policy reference and circumstances of the claim. The Important information and contact details section below contains additional information specific to the covers applicable to your policy. If you are unsure of who to contact please call our team on 0800 711 7156, 9.00am – 5:30pm Monday to Friday. They will ensure you get through to the correct claims team and let you know what actions you need to take. If anything happens that might be covered under the policy, you must comply with the obligations set out in General claims conditions, together with the obligations set out under Your obligations in the section or sections under which you are making the claim. Itis important that you read the policy for details of its terms in full. Your covers This isa summary of each section of your policy. See each section for cover details. Cover Insurance amount Excess Annual Premium (exc IPT) Professional indemnity £1,000,000 £1,000 £6,215.77 Legal protection £100,000 £0 £2,233.41 Crisis containment £25,000 - £861.88 The figures above are in summary only and are not in addition to the 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 28 June, 2025 Limit of indemnity £1,000,000 Limit applies to in the aggregate, including all costs Excess £1,000 Excess applies to each and every claim or loss, including all costs Geographical limits Worldwide Applicable courts Worldwide (excluding United States of America and Canada) Claims brought in USA or Canada Not covered Additional covers (in addition to overall limit of indemnity stated above) Cover Limit of indemnity Limit applies to Court attendance compensation - employees £250 per person, per day Court attendance compensation - directors and partners£500 per person, per day Court attendance compensation: in total £100,000 in the aggregate Special limits (included within not in addition to the overall limit of indemnity stated above) Cover Limit of indemnity Limit applies to Personal dataPage / 2 claims £250,000 in the aggregate, including all costs Business activities Business management consultant Retroactive date Tuesday 17 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	womif/zixn	(?<=Policy number - )[-\w_\/\.]+?(?= Company name)	Sat 28 June, 2025	(?<=anniversary of your policy is approaching on )[-\w_\/\. ,]+?(?= \.)	null	null	Business	(?<=time to renew your Hiscox )[-\w_\/\. ]+?(?= Insurance)	2024-02-05
hiscox-business-1	Hiscox Business Insurance - Policy number - libero-voluptate-quia Company name: Hunt Inc It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : libero-voluptate-quia. Company name: Hunt Inc. Your Hiscox Insurance premium. Last year’s annual premium: This year’s annual premium. £ 9,405.71. £ 9,405.71. The premium includes all applicable insurance premium tax (IPT). Dear Dr Anthony Sheppard. Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 2021-08-24 . Good news; if you want cover to continue with us and to make sure you stay protected by our award-winning cover, you do not need to do anything. We will update your policy onto our latest wording and continue to collect payment using the payment details we have for you. You must read the important information contained in this email and the attached documents. Your Hiscox Insurance Premium breakdown. The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). The amount shown as last year’s Annual premium will take into account any changes to the cover which may have been made during the last policy period. Cover. Last year’s annual premium (exc IPT). This year’s annual Premium (exc IPT). Professional indemnity. £7,895.16. £7,895.16. Legal protection. £4,126.15. £4,126.15. Crisis containment. £2,614.28. Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy . Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government 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 2021-08-24 . We’re here between 8:30am - 5:30pm Monday to Friday . Please note that we can only discuss policy changes with people named on the policy. Why renew with Hiscox. - Reassuring: we offer a range of cover options that can be tailored to your needs. - Flexible: we offer full flexibility to change your policy, with no administration fees . - Award-winning cover : we’ve been named Best Small Business Insurer 7 years running by Start Your Business Magazine . Please click this link for the Hiscox Referral Portal: https://refer.aklamio.com/hiscox/uk?source=postpurchase. Thank you again for choosing Hiscox to insure your business. We hope you and your business have a very successful year. Kind regards. Jon Dye. CEO, Hiscox UK. Business Insurance for the small and the brave. To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre. Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. This email and any files transmitted with it are confidential and intended solely for the use of the individual or entity to whom they are addressed. No one else is authorised to distribute, forward, print, copy or act upon any information contained in this email. If you have received this email in error, please notify the sender. Hiscox Syndicates Limited and Hiscox Insurance Company Limited are authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Hiscox Underwriting Limited, Hiscox Underwriting Services Ltd, Hiscox MGA Ltd and Hiscox ASM Ltd are authorised and regulated by the Financial Conduct Authority. Hiscox Assure SAS is duly registered as an insurance broker with the ORIAS, which is the French Official Registry of Insurance Intermediaries. Hiscox plc is a company registered in England and Wales under company registration number 2837811 and registered office at 1 Great St Helen's, London EC3A 6HX. Hiscox SA is a company registered in Luxembourg at 35 Avenue John F. Kennedy 35F, Luxembourg L-1855, and is authorised by the Commissariat aux Assurances de Luxembourg. It’s time to renew your Hiscox Business Insurance Hiscox Insurance policy number : libero-voluptate-quia Company name: Hunt Inc . It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : libero-voluptate-quia 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). £ 9,405.71 £ 9,405.71 . Your Hiscox Insurance premium . Last year’s annual premium: This year’s annual premium £ 9,405.71 £ 9,405.71 . The premium includes all applicable insurance premium tax (IPT). Dear Dr Anthony Sheppard . Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 2021-08-24 . Good news; if you want cover to continue with us and to make sure you stay protected by our award-winning cover, you do not need to do anything. We will update your policy onto our latest wording and continue to collect payment using the payment details we have for you. You must read the important information contained in this email and the attached documents Your Hiscox Insurance Premium breakdown The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). The amount shown as last year’s Annual premium will take into account any changes to the cover which may have been made during the last policy period. Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) Professional indemnity £7,895.16 £7,895.16 Legal protection £4,126.15 £4,126.15 Crisis containment £2,614.28 Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government 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 2021-08-24 . We’re here between 8:30am - 5:30pm Monday to Friday . Please note that we can only discuss policy changes with people named on the policy. Why renew with Hiscox - Reassuring: we offer a range of cover options that can be tailored to your needs - Flexible: we offer full flexibility to change your policy, with no administration fees - Award-winning cover : we’ve been named Best Small Business Insurer 7 years running by Start Your Business Magazine Please click this link for the Hiscox Referral Portal: https://refer.aklamio.com/hiscox/uk?source=postpurchase Thank you again for choosing Hiscox to insure your business. We hope you and your business have a very successful year. Kind regards Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 2021-08-24 . Good news; if you want cover to continue with us and to make sure you stay protected by our award-winning cover, you do not need to do anything. We will update your policy onto our latest wording and continue to collect payment using the payment details we have for you. You must read the important information contained in this email and the attached documents Your Hiscox Insurance Premium breakdown The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). The amount shown as last year’s Annual premium will take into account any changes to the cover which may have been made during the last policy period. Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) Professional indemnity £7,895.16 £7,895.16 Legal protection £4,126.15 £4,126.15 Crisis containment £2,614.28 Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government 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 2021-08-24 . We’re here between 8:30am - 5:30pm Monday to Friday . Please note that we can only discuss policy changes with people named on the policy. Why renew with Hiscox - Reassuring: we offer a range of cover options that can be tailored to your needs - Flexible: we offer full flexibility to change your policy, with no administration fees - Award-winning cover : we’ve been named Best Small Business Insurer 7 years running by Start Your Business Magazine Please click this link for the Hiscox Referral Portal: https://refer.aklamio.com/hiscox/uk?source=postpurchase Thank you again for choosing Hiscox to insure your business. We hope you and your business have a very successful year. Kind regards Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Your Hiscox Insurance Premium breakdown The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). Cover Professional indemnity Legal protection Crisis containment . Last year’s annual premium (exc IPT) £7,895.16 £4,126.15 £2,614.28 . This year’s annual Premium (exc IPT) £7,895.16 £4,126.15 . Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) . Professional indemnity £7,895.16 £7,895.16 . Legal protection £4,126.15 £4,126.15 . Crisis containment £2,614.28 . Kind regards Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre . Kind regards . Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave . To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre . Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Page / 1 Hiscox Business Insurance Policy wording 17431a - DC565 WORDING 04/17Guide to sectionsIntroduction Policy wordings General terms and conditions Professional indemnity for business management consultants Legal protection Crisis containment Hiscox Business Insurance Policy wording 17431a - DC565 WORDING 04/17IntroductionThank you for choosing Hiscox to protect your business. We hope that the language and layout of this policy wording are clear because we want you to understand the insurance we provide as well as the responsibilities we have to each other. Please read this document, including the policy schedule, policy summary and statement of fact, and let us know as soon as possible if any of the details are shown incorrectly. We always try to deliver to the highest standards of service. Your views are important to us, so if you feel that our service is below the standard you would expect from Hiscox, please contact us on the phone number shown in your policy schedule. Please note that some of the words we use in this insurance are shown in bold type. These words are defined in each section of the wording. Page / 1 Hiscox Insurance Payment schedule Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Thank you for continuing to pay for your policy by Direct Debit. Please 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 Sheppard Frequency of collection: Annual Sort code: %BANK_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 22 March, 2020 £9,405.71 Where your chosen collection date falls ona non-working day then we will endeavour to collect the next working day. For your information, the collections will be made using the following reference number: Originator Identification Number: 293461 Reference Number: libero-voluptate-quia If you have any questions about your policy or payments, please call us on 0800 280 0351. We’re here between 8:30am - 5:30pm Monday to Friday or you can email us at service@hiscox.co.uk. Using your personal information Hiscox isa trading name ofa number of Hiscox companies. The specific company acting asa data controller of your personal information will be listed in the documentation we provide to you. If you are unsure you can also contact us at anytime by telephoning 01904 681198 or by emailing us at dataprotectionofficer@hiscox.com. We collect and process information about you in order to provide insurance policies and to process claims. Your information is also used for business purposes such as fraud prevention and detection and financial management. This may involve sharing your information with, and obtaining information about you from, our group companies and third parties such as brokers, loss adjusters, credit reference agencies, service providers, professional advisors, our regulators or fraud prevention agencies. We may record telephone calls to help us monitor and improve the service we provide. For further information on how your information is used and your rights in relation to your information please see our privacy policy at www.hiscox.co.uk/cookies-privacy. The Direct Debit Guarantee This Guarantee is offered by all banks and building societies that accept instructions to pay Direct Debits. If there are any changes to the amount, date or frequency of your Direct Debit Hiscox Underwriting Ltd will notify you ten working days in advance of your account being debited or as otherwise agreed. If you request Hiscox Underwriting Ltd to collect a payment, confirmation of the amount and date will be given to you at the time of the request. If an error is made in the payment of your Direct Debit by Hiscox Underwriting Ltd or your bank or building society you are entitled to a full and immediate refund of the amount paid from your bank or building society. – If you receive a refund you are not entitled to, you must pay it back when Hiscox Underwriting Ltd asks you to. You can cancel a Direct Debit at anytime by simply contacting your bank or building society. Written confirmation maybe required. Please also notify us. Page / 1 Hiscox Business Insurance Policy summary JAC-PSC-UK-DC556(5.4) 17431b 07/20 Your Hiscox Business Insurance policy summaries This document contains the summaries for any policy covers you have selected to protect your business. These summaries outline the key information about your policies so you can be confident that you have understood what you have bought and what you are covered for. However, you should carefully read your policy in full and ensure that you understand its terms and conditions in full. If you have any queries, you should contact Hiscox or your insurance advisor. Your side of the bargain Remember, your premium and insurance are based on the details you have provided to us. Please make sure this information accurately reflects your business and that you inform us immediately if anything needs to change. Please also tell us of any changes in circumstances that may affect the services provided by us or the cover provided by your policy. This is particularly important before taking out a policy, but it also applies throughout the life of the policy too. You need to consider: ■if you fail to fairly present the risk to us, including by failing to disclose any information material to the insurance, you could invalidate the policy, claims may not be paid or the amount we pay maybe reduced; ■you should read and check all insurance documents to ensure that you are aware of the cover, limits and other terms that apply; ■if you fail to let us know of any changes to your circumstances during the period of insurance or, if when telling us about such changes you fail to present the risk to us fairly, you could invalidate the policy, claims may not be paid or the amount we pay maybe reduced; ■please be aware of all terms and conditions of your policy because failure to comply with them could invalidate it or result in us not paying a claim or reducing the amount we pay; ■in the event ofa claim, you should take note of the required procedures, such as giving Hiscox prompt notice of the claims, as stated in the policy documentation. In particular, if you fail to notify us when you first become aware ofa shortcoming, fact, or problem, admit you are liable for what has happened or appoint solicitors or other legal representation without our prior written approval, claims or defence costs may not be paid or the amount we pay maybe reduced; ■as with any insurance, you have an obligation to take reasonable steps to mitigate any loss or liability; ■if you make a fraudulent claim or try to deceive us, we may terminate the policy. Policy length The period of insurance is shown on your policy schedule. Your policy schedule will also show if the policy is ona continuing cover basis. If itis ona continuing cover basis, we will renew your policy each year for another 12 months and continue to take payment (including any premium adjustment shown in your renewal invitation) using your existing arrangement, unless you tell us otherwise or if your risk changes. If your policy schedule does not show that the policy is ona continuing cover basis, cover will cease at the end of the period of insurance, unless you renew your policy with us. We will provide you witha statement of fact each year and provided that the information contained within the statement of fact is true, complete and accurate, you do not need to provide us with any further information. If any of the information in your statement of fact is not true, complete and accurate, you must let us know. If you do not let us know, it may affect the validity of the policy or our ability to pay a claim. Retroactive dates, geographical and jurisdiction limits Where any section of your policy schedule includes a retroactive date, we will not make any payment for any claim or loss under that section which arises from any activity performed or any act, incident or occurrence taking place, before the retroactive date. Where any section of your policy schedule shows the geographical limits which apply to that section of the policy, we will only pay for claims and losses under that section which arise from activities performed or acts, incidents or occurrences taking place within those geographical limits. Where any section provides cover in respect of your liability to third parties, we will only cover claims first made ina country within the applicable courts stated in that section of your policy schedule. Hiscox Business Insurance Policy summary JAC-PSC-UK-DC556(5.4) 17431b 07/20 Cancellation rights You can cancel this policy by giving us 30 days' notice. You will only be charged for the premiums due up to the date of cancellation. If we need to cancel the policy, we’ll give you 30 days’ notice in writing and refund any surplus premiums you might have paid. Please note – we may deduct an administration fee from any refunded payment.There is an exception to our 30-day notice period, which is triggered when we don’t receive your Direct Debit payments within the agreed 14-day period. At this point, we will contact you as soon as possible and stop the 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:libero-voluptate-quia Name of policy holder:Hunt Inc Period of insurance: From 2021-08-24 to 27/02/22 both days inclusive. This policy isa Continuing cover policy Insurer: Hiscox Insurance Company Limited Retroactive date: Fri 10 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: 2021-08-24 Insurance details Policy number: libero-voluptate-quia Period of insurance: From 2021-08-24 to 27/02/22 both days inclusive. This policy isa Continuing cover policy. Insured: Hunt Inc Address: 851 Smith spurs Jasonmouth FARNHAM WF74 0ZZ Additional insureds: None Business: Management Consultants Premium details Charged premium – the total amount you’ll pay for this policy. Charged premium: £4,037.06 Insurance Premium Tax (IPT): £171.82 Total charged premium: £9,405.71 Annualised premium – the annual premium for this policy. This is given for comparison purposes. Please refer to the charged premium section for the amount you’ll pay for the policy. Annual premium: £4,037.06 Insurance Premium Tax (IPT): £171.82 Annual total: £9,405.71 Please note that there will be no refund or additional premium for any transaction which is less than £20 (excluding IPT). Hiscox Business Insurance Policy Schedule 14502 10/18 Summary Claims information If you need to make a claim: - For claims relating to your building or contents please contact our claims team on 0800 247 1902, 9.00am – 5:30pm Monday to Friday. If you wish to make a claim online, you can log most claims quickly and easily through our claims notification portal at https://claims.hiscox.co.uk/. Outside of normal business hours, if you require emergency assistance in relation to substantial damage to your property, you can speak to our 24-hour emergency assistance team using the telephone number above. Your policy schedule will state if property cover is included in your policy. Our out-of-hours emergency assistance team operate ona pay-and-claim basis and you will need to have credit card details available as appropriate. The team will then be able to direct you to essential tradesmen, emergency loss adjusters or disaster management companies in the event of substantial damage. - If there isa claim (or potential claim) against you bya third party, please email us at liability.claims@hiscox.com. If you need to speak to a member of the claims team urgently, please call our team on 0800 711 7156, 9.00am – 5:30pm Monday to Friday. If you wish to make a claim online, you can log most claims quickly and easily through our claims notification portal at https://claims.hiscox.co.uk/. You will need to provide your full name and contact details, the name of your business or organisation, your address and postcode, the policy reference and circumstances of the claim. The Important information and contact details section below contains additional information specific to the covers applicable to your policy. If you are unsure of who to contact please call our team on 0800 711 7156, 9.00am – 5:30pm Monday to Friday. They will ensure you get through to the correct claims team and let you know what actions you need to take. If anything happens that might be covered under the policy, you must comply with the obligations set out in General claims conditions, together with the obligations set out under Your obligations in the section or sections under which you are making the claim. Itis important that you read the policy for details of its terms in full. Your covers This isa summary of each section of your policy. See each section for cover details. Cover Insurance amount Excess Annual Premium (exc IPT) Professional indemnity £1,000,000 £1,000 £7,895.16 Legal protection £100,000 £0 £4,126.15 Crisis containment £25,000 - £2,614.28 The figures above are in summary only and are not in addition to the amount insured specified against each cover section below. Hiscox Business Insurance Policy Schedule 14502 10/18 SECTION: PROFESSIONAL INDEMNITY – MANAGEMENT CONSULTANTS Cover start date: 2021-08-24 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 dataPage / 2 claims £250,000 in the aggregate, including all costs Business activities Business management consultant Retroactive date Fri 10 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	libero-voluptate-quia	(?<=Policy number - )[-\w_\/\.]+?(?= Company name)	2021-08-24	(?<=anniversary of your policy is approaching on )[-\w_\/\. ,]+?(?= \.)	null	null	Business	(?<=time to renew your Hiscox )[-\w_\/\. ]+?(?= Insurance)	2024-02-05
hiscox-business-1	Hiscox Business Insurance - Policy number - 4_E/FVMB0VA9 Company name: Jordan, Davies and Jones It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : 4_E/FVMB0VA9. Company name: Jordan, Davies and Jones. Your Hiscox Insurance premium. Last year’s annual premium: This year’s annual premium. £ 9,876.71. £ 9,876.71. The premium includes all applicable insurance premium tax (IPT). Dear Ms Stanley Sharp. Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 27/01/25 . Good news; if you want cover to continue with us and to make sure you stay protected by our award-winning cover, you do not need to do anything. We will update your policy onto our latest wording and continue to collect payment using the payment details we have for you. You must read the important information contained in this email and the attached documents. Your Hiscox Insurance Premium breakdown. The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). The amount shown as last year’s Annual premium will take into account any changes to the cover which may have been made during the last policy period. Cover. Last year’s annual premium (exc IPT). This year’s annual Premium (exc IPT). Professional indemnity. £3,212.42. £3,212.42. Legal protection. £7,286.50. £7,286.50. Crisis containment. £5,768.97. Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy . Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government increase in Insurance Premium Tax as shown. Is our information correct? Your premium and cover are based on what you’ve told us about Jordan, Davies 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 27/01/25 . 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 : 4_E/FVMB0VA9 Company name: Jordan, Davies and Jones . It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : 4_E/FVMB0VA9 Company name: Jordan, Davies 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). £ 9,876.71 £ 9,876.71 . Your Hiscox Insurance premium . Last year’s annual premium: This year’s annual premium £ 9,876.71 £ 9,876.71 . The premium includes all applicable insurance premium tax (IPT). Dear Ms Stanley Sharp . Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 27/01/25 . Good news; if you want cover to continue with us and to make sure you stay protected by our award-winning cover, you do not need to do anything. We will update your policy onto our latest wording and continue to collect payment using the payment details we have for you. You must read the important information contained in this email and the attached documents Your Hiscox Insurance Premium breakdown The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). The amount shown as last year’s Annual premium will take into account any changes to the cover which may have been made during the last policy period. Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) Professional indemnity £3,212.42 £3,212.42 Legal protection £7,286.50 £7,286.50 Crisis containment £5,768.97 Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government increase in Insurance Premium Tax as shown. Is our information correct? Your premium and cover are based on what you’ve told us about Jordan, Davies 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 27/01/25 . 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 27/01/25 . Good news; if you want cover to continue with us and to make sure you stay protected by our award-winning cover, you do not need to do anything. We will update your policy onto our latest wording and continue to collect payment using the payment details we have for you. You must read the important information contained in this email and the attached documents Your Hiscox Insurance Premium breakdown The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). The amount shown as last year’s Annual premium will take into account any changes to the cover which may have been made during the last policy period. Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) Professional indemnity £3,212.42 £3,212.42 Legal protection £7,286.50 £7,286.50 Crisis containment £5,768.97 Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government increase in Insurance Premium Tax as shown. Is our information correct? Your premium and cover are based on what you’ve told us about Jordan, Davies 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 27/01/25 . We’re here between 8:30am - 5:30pm Monday to Friday . Please note that we can only discuss policy changes with people named on the policy. Why renew with Hiscox - Reassuring: we offer a range of cover options that can be tailored to your needs - Flexible: we offer full flexibility to change your policy, with no administration fees - Award-winning cover : we’ve been named Best Small Business Insurer 7 years running by Start Your Business Magazine Please click this link for the Hiscox Referral Portal: https://refer.aklamio.com/hiscox/uk?source=postpurchase Thank you again for choosing Hiscox to insure your business. We hope you and your business have a very successful year. Kind regards Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Your Hiscox Insurance Premium breakdown The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). Cover Professional indemnity Legal protection Crisis containment . Last year’s annual premium (exc IPT) £3,212.42 £7,286.50 £5,768.97 . This year’s annual Premium (exc IPT) £3,212.42 £7,286.50 . Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) . Professional indemnity £3,212.42 £3,212.42 . Legal protection £7,286.50 £7,286.50 . Crisis containment £5,768.97 . Kind regards Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre . Kind regards . Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave . To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre . Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Page / 1 Hiscox Business Insurance Policy wording 17431a - DC565 WORDING 04/17Guide to sectionsIntroduction Policy wordings General terms and conditions Professional indemnity for business management consultants Legal protection Crisis containment Hiscox Business Insurance Policy wording 17431a - DC565 WORDING 04/17IntroductionThank you for choosing Hiscox to protect your business. We hope that the language and layout of this policy wording are clear because we want you to understand the insurance we provide as well as the responsibilities we have to each other. Please read this document, including the policy schedule, policy summary and statement of fact, and let us know as soon as possible if any of the details are shown incorrectly. We always try to deliver to the highest standards of service. Your views are important to us, so if you feel that our service is below the standard you would expect from Hiscox, please contact us on the phone number shown in your policy schedule. Please note that some of the words we use in this insurance are shown in bold type. These words are defined in each section of the wording. Page / 1 Hiscox Insurance Payment schedule Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Thank you for continuing to pay for your policy by Direct Debit. Please check these details and let us know if anything is incorrect or if the schedule is not suitable. Your reference details Account holder name: Stanley Sharp Frequency of collection: Annual Sort code: %BANK_SORT_CODE_1% Account number: %BANK_ACCOUNT_NUMBER_1% Your Direct Debit schedule We will take payments on the dates outlined below: Date Amount 20/01/26 £9,876.71 Where your chosen collection date falls ona non-working day then we will endeavour to collect the next working day. For your information, the collections will be made using the following reference number: Originator Identification Number: 293461 Reference Number: 4_E/FVMB0VA9 If you have any questions about your policy or payments, please call us on 0800 280 0351. We’re here between 8:30am - 5:30pm Monday to Friday or you can email us at service@hiscox.co.uk. Using your personal information Hiscox isa trading name ofa number of Hiscox companies. The specific company acting asa data controller of your personal information will be listed in the documentation we provide to you. If you are unsure you can also contact us at anytime by telephoning 01904 681198 or by emailing us at dataprotectionofficer@hiscox.com. We collect and process information about you in order to provide insurance policies and to process claims. Your information is also used for business purposes such as fraud prevention and detection and financial management. This may involve sharing your information with, and obtaining information about you from, our group companies and third parties such as brokers, loss adjusters, credit reference agencies, service providers, professional advisors, our regulators or fraud prevention agencies. We may record telephone calls to help us monitor and improve the service we provide. For further information on how your information is used and your rights in relation to your information please see our privacy policy at www.hiscox.co.uk/cookies-privacy. The Direct Debit Guarantee This Guarantee is offered by all banks and building societies that accept instructions to pay Direct Debits. If there are any changes to the amount, date or frequency of your Direct Debit Hiscox Underwriting Ltd will notify you ten working days in advance of your account being debited or as otherwise agreed. If you request Hiscox Underwriting Ltd to collect a payment, confirmation of the amount and date will be given to you at the time of the request. If an error is made in the payment of your Direct Debit by Hiscox Underwriting Ltd or your bank or building society you are entitled to a full and immediate refund of the amount paid from your bank or building society. – If you receive a refund you are not entitled to, you must pay it back when Hiscox Underwriting Ltd asks you to. You can cancel a Direct Debit at anytime by simply contacting your bank or building society. Written confirmation maybe required. Please also notify us. Page / 1 Hiscox Business Insurance Policy summary JAC-PSC-UK-DC556(5.4) 17431b 07/20 Your Hiscox Business Insurance policy summaries This document contains the summaries for any policy covers you have selected to protect your business. These summaries outline the key information about your policies so you can be confident that you have understood what you have bought and what you are covered for. However, you should carefully read your policy in full and ensure that you understand its terms and conditions in full. If you have any queries, you should contact Hiscox or your insurance advisor. Your side of the bargain Remember, your premium and insurance are based on the details you have provided to us. Please make sure this information accurately reflects your business and that you inform us immediately if anything needs to change. Please also tell us of any changes in circumstances that may affect the services provided by us or the cover provided by your policy. This is particularly important before taking out a policy, but it also applies throughout the life of the policy too. You need to consider: ■if you fail to fairly present the risk to us, including by failing to disclose any information material to the insurance, you could invalidate the policy, claims may not be paid or the amount we pay maybe reduced; ■you should read and check all insurance documents to ensure that you are aware of the cover, limits and other terms that apply; ■if you fail to let us know of any changes to your circumstances during the period of insurance or, if when telling us about such changes you fail to present the risk to us fairly, you could invalidate the policy, claims may not be paid or the amount we pay maybe reduced; ■please be aware of all terms and conditions of your policy because failure to comply with them could invalidate it or result in us not paying a claim or reducing the amount we pay; ■in the event ofa claim, you should take note of the required procedures, such as giving Hiscox prompt notice of the claims, as stated in the policy documentation. In particular, if you fail to notify us when you first become aware ofa shortcoming, fact, or problem, admit you are liable for what has happened or appoint solicitors or other legal representation without our prior written approval, claims or defence costs may not be paid or the amount we pay maybe reduced; ■as with any insurance, you have an obligation to take reasonable steps to mitigate any loss or liability; ■if you make a fraudulent claim or try to deceive us, we may terminate the policy. Policy length The period of insurance is shown on your policy schedule. Your policy schedule will also show if the policy is ona continuing cover basis. If itis ona continuing cover basis, we will renew your policy each year for another 12 months and continue to take payment (including any premium adjustment shown in your renewal invitation) using your existing arrangement, unless you tell us otherwise or if your risk changes. If your policy schedule does not show that the policy is ona continuing cover basis, cover will cease at the end of the period of insurance, unless you renew your policy with us. We will provide you witha statement of fact each year and provided that the information contained within the statement of fact is true, complete and accurate, you do not need to provide us with any further information. If any of the information in your statement of fact is not true, complete and accurate, you must let us know. If you do not let us know, it may affect the validity of the policy or our ability to pay a claim. Retroactive dates, geographical and jurisdiction limits Where any section of your policy schedule includes a retroactive date, we will not make any payment for any claim or loss under that section which arises from any activity performed or any act, incident or occurrence taking place, before the retroactive date. Where any section of your policy schedule shows the geographical limits which apply to that section of the policy, we will only pay for claims and losses under that section which arise from activities performed or acts, incidents or occurrences taking place within those geographical limits. Where any section provides cover in respect of your liability to third parties, we will only cover claims first made ina country within the applicable courts stated in that section of your policy schedule. Hiscox Business Insurance Policy summary JAC-PSC-UK-DC556(5.4) 17431b 07/20 Cancellation rights You can cancel this policy by giving us 30 days' notice. You will only be charged for the premiums due up to the date of cancellation. If we need to cancel the policy, we’ll give you 30 days’ notice in writing and refund any surplus premiums you might have paid. Please note – we may deduct an administration fee from any refunded payment.There is an exception to our 30-day notice period, which is triggered when we don’t receive your Direct Debit payments within the agreed 14-day period. At this point, we will contact you as soon as possible and stop the policyPage / 2 immediately. Underwritten by:Hiscox Underwriting Ltd on behalf of the insurers named in the schedule. Page / 1 Certificate of professional indemnity insurance Jordan, Davies 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:4_E/FVMB0VA9 Name of policy holder:Jordan, Davies and Jones Period of insurance: From 27/01/25 to 10/06/2020 both days inclusive. This policy isa Continuing cover policy Insurer: Hiscox Insurance Company Limited Retroactive date: 23/04/23 Level of cover:£1,000,000 Signed on behalf of Hiscox Underwriting Limited as agent for the insurers Jon Dye CEO, Hiscox UK Notes: (a) This insurance is subject to policy terms and conditions and any special terms notified to the InsuredPage / 1 Hiscox Business Insurance Policy Schedule 14502 10/18 This schedule tells you what is insured with us. It should be read carefully with your policy wording(s) and statement of fact detailed elsewhere in this document. Schedule effective date: 27/01/25 Insurance details Policy number: 4_E/FVMB0VA9 Period of insurance: From 27/01/25 to 10/06/2020 both days inclusive. This policy isa Continuing cover policy. Insured: Jordan, Davies and Jones Address: Flat 3 Marion trace South Glenn FARNHAM G7 6YB Additional insureds: None Business: Management Consultants Premium details Charged premium – the total amount you’ll pay for this policy. Charged premium: £5,195.25 Insurance Premium Tax (IPT): £7,701.93 Total charged premium: £9,876.71 Annualised premium – the annual premium for this policy. This is given for comparison purposes. Please refer to the charged premium section for the amount you’ll pay for the policy. Annual premium: £5,195.25 Insurance Premium Tax (IPT): £7,701.93 Annual total: £9,876.71 Please note that there will be no refund or additional premium for any transaction which is less than £20 (excluding IPT). Hiscox Business Insurance Policy Schedule 14502 10/18 Summary Claims information If you need to make a claim: - For claims relating to your building or contents please contact our claims team on 0800 247 1902, 9.00am – 5:30pm Monday to Friday. If you wish to make a claim online, you can log most claims quickly and easily through our claims notification portal at https://claims.hiscox.co.uk/. Outside of normal business hours, if you require emergency assistance in relation to substantial damage to your property, you can speak to our 24-hour emergency assistance team using the telephone number above. Your policy schedule will state if property cover is included in your policy. Our out-of-hours emergency assistance team operate ona pay-and-claim basis and you will need to have credit card details available as appropriate. The team will then be able to direct you to essential tradesmen, emergency loss adjusters or disaster management companies in the event of substantial damage. - If there isa claim (or potential claim) against you bya third party, please email us at liability.claims@hiscox.com. If you need to speak to a member of the claims team urgently, please call our team on 0800 711 7156, 9.00am – 5:30pm Monday to Friday. If you wish to make a claim online, you can log most claims quickly and easily through our claims notification portal at https://claims.hiscox.co.uk/. You will need to provide your full name and contact details, the name of your business or organisation, your address and postcode, the policy reference and circumstances of the claim. The Important information and contact details section below contains additional information specific to the covers applicable to your policy. If you are unsure of who to contact please call our team on 0800 711 7156, 9.00am – 5:30pm Monday to Friday. They will ensure you get through to the correct claims team and let you know what actions you need to take. If anything happens that might be covered under the policy, you must comply with the obligations set out in General claims conditions, together with the obligations set out under Your obligations in the section or sections under which you are making the claim. Itis important that you read the policy for details of its terms in full. Your covers This isa summary of each section of your policy. See each section for cover details. Cover Insurance amount Excess Annual Premium (exc IPT) Professional indemnity £1,000,000 £1,000 £3,212.42 Legal protection £100,000 £0 £7,286.50 Crisis containment £25,000 - £5,768.97 The figures above are in summary only and are not in addition to the amount insured specified against each cover section below. Hiscox Business Insurance Policy Schedule 14502 10/18 SECTION: PROFESSIONAL INDEMNITY – MANAGEMENT CONSULTANTS Cover start date: 27/01/25 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 dataPage / 2 claims £250,000 in the aggregate, including all costs Business activities Business management consultant Retroactive date 23/04/23 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	4_E/FVMB0VA9	(?<=Policy number - )[-\w_\/\.]+?(?= Company name)	27/01/25	(?<=anniversary of your policy is approaching on )[-\w_\/\. ,]+?(?= \.)	null	null	Business	(?<=time to renew your Hiscox )[-\w_\/\. ]+?(?= Insurance)	2024-02-05
hiscox-business-1	Hiscox Business Insurance - Policy number - V8MH4WK9BG/MYU Company name: Bradley and Sons It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : V8MH4WK9BG/MYU. Company name: Bradley and Sons. Your Hiscox Insurance premium. Last year’s annual premium: This year’s annual premium. £ 7,039.52. £ 7,039.52. The premium includes all applicable insurance premium tax (IPT). Dear Mr Barbara Miller. Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on Sat 31 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. £462.57. £462.57. Legal protection. £469.18. £469.18. Crisis containment. £3,725.49. Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy . Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government increase in Insurance Premium Tax as shown. Is our information correct? Your premium and cover are based on what you’ve told us about Bradley and Sons , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay. . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover. Policy summary for each cover. ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover . As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before Sat 31 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 : V8MH4WK9BG/MYU Company name: Bradley and Sons . It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : V8MH4WK9BG/MYU Company name: Bradley 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). £ 7,039.52 £ 7,039.52 . Your Hiscox Insurance premium . Last year’s annual premium: This year’s annual premium £ 7,039.52 £ 7,039.52 . The premium includes all applicable insurance premium tax (IPT). Dear Mr Barbara Miller . Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on Sat 31 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 £462.57 £462.57 Legal protection £469.18 £469.18 Crisis containment £3,725.49 Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government increase in Insurance Premium Tax as shown. Is our information correct? Your premium and cover are based on what you’ve told us about Bradley and Sons , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover Policy summary for each cover ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before Sat 31 August, 2024 . We’re here between 8:30am - 5:30pm Monday to Friday . Please note that we can only discuss policy changes with people named on the policy. Why renew with Hiscox - Reassuring: we offer a range of cover options that can be tailored to your needs - Flexible: we offer full flexibility to change your policy, with no administration fees - Award-winning cover : we’ve been named Best Small Business Insurer 7 years running by Start Your Business Magazine Please click this link for the Hiscox Referral Portal: https://refer.aklamio.com/hiscox/uk?source=postpurchase Thank you again for choosing Hiscox to insure your business. We hope you and your business have a very successful year. Kind regards Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on Sat 31 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 £462.57 £462.57 Legal protection £469.18 £469.18 Crisis containment £3,725.49 Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government increase in Insurance Premium Tax as shown. Is our information correct? Your premium and cover are based on what you’ve told us about Bradley and Sons , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover Policy summary for each cover ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before Sat 31 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) £462.57 £469.18 £3,725.49 . This year’s annual Premium (exc IPT) £462.57 £469.18 . Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) . Professional indemnity £462.57 £462.57 . Legal protection £469.18 £469.18 . Crisis containment £3,725.49 . Kind regards Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre . Kind regards . Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave . To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre . Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Page / 1 Hiscox Business Insurance Policy wording 17431a - DC565 WORDING 04/17Guide to sectionsIntroduction Policy wordings General terms and conditions Professional indemnity for business management consultants Legal protection Crisis containment Hiscox Business Insurance Policy wording 17431a - DC565 WORDING 04/17IntroductionThank you for choosing Hiscox to protect your business. We hope that the language and layout of this policy wording are clear because we want you to understand the insurance we provide as well as the responsibilities we have to each other. Please read this document, including the policy schedule, policy summary and statement of fact, and let us know as soon as possible if any of the details are shown incorrectly. We always try to deliver to the highest standards of service. Your views are important to us, so if you feel that our service is below the standard you would expect from Hiscox, please contact us on the phone number shown in your policy schedule. Please note that some of the words we use in this insurance are shown in bold type. These words are defined in each section of the wording. Page / 1 Hiscox Insurance Payment schedule Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Thank you for continuing to pay for your policy by Direct Debit. Please check these details and let us know if anything is incorrect or if the schedule is not suitable. Your reference details Account holder name: Barbara 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 2024-08-03 £7,039.52 Where your chosen collection date falls ona non-working day then we will endeavour to collect the next working day. For your information, the collections will be made using the following reference number: Originator Identification Number: 293461 Reference Number: V8MH4WK9BG/MYU If you have any questions about your policy or payments, please call us on 0800 280 0351. We’re here between 8:30am - 5:30pm Monday to Friday or you can email us at service@hiscox.co.uk. Using your personal information Hiscox isa trading name ofa number of Hiscox companies. The specific company acting asa data controller of your personal information will be listed in the documentation we provide to you. If you are unsure you can also contact us at anytime by telephoning 01904 681198 or by emailing us at dataprotectionofficer@hiscox.com. We collect and process information about you in order to provide insurance policies and to process claims. Your information is also used for business purposes such as fraud prevention and detection and financial management. This may involve sharing your information with, and obtaining information about you from, our group companies and third parties such as brokers, loss adjusters, credit reference agencies, service providers, professional advisors, our regulators or fraud prevention agencies. We may record telephone calls to help us monitor and improve the service we provide. For further information on how your information is used and your rights in relation to your information please see our privacy policy at www.hiscox.co.uk/cookies-privacy. The Direct Debit Guarantee This Guarantee is offered by all banks and building societies that accept instructions to pay Direct Debits. If there are any changes to the amount, date or frequency of your Direct Debit Hiscox Underwriting Ltd will notify you ten working days in advance of your account being debited or as otherwise agreed. If you request Hiscox Underwriting Ltd to collect a payment, confirmation of the amount and date will be given to you at the time of the request. If an error is made in the payment of your Direct Debit by Hiscox Underwriting Ltd or your bank or building society you are entitled to a full and immediate refund of the amount paid from your bank or building society. – If you receive a refund you are not entitled to, you must pay it back when Hiscox Underwriting Ltd asks you to. You can cancel a Direct Debit at anytime by simply contacting your bank or building society. Written confirmation maybe required. Please also notify us. Page / 1 Hiscox Business Insurance Policy summary JAC-PSC-UK-DC556(5.4) 17431b 07/20 Your Hiscox Business Insurance policy summaries This document contains the summaries for any policy covers you have selected to protect your business. These summaries outline the key information about your policies so you can be confident that you have understood what you have bought and what you are covered for. However, you should carefully read your policy in full and ensure that you understand its terms and conditions in full. If you have any queries, you should contact Hiscox or your insurance advisor. Your side of the bargain Remember, your premium and insurance are based on the details you have provided to us. Please make sure this information accurately reflects your business and that you inform us immediately if anything needs to change. Please also tell us of any changes in circumstances that may affect the services provided by us or the cover provided by your policy. This is particularly important before taking out a policy, but it also applies throughout the life of the policy too. You need to consider: ■if you fail to fairly present the risk to us, including by failing to disclose any information material to the insurance, you could invalidate the policy, claims may not be paid or the amount we pay maybe reduced; ■you should read and check all insurance documents to ensure that you are aware of the cover, limits and other terms that apply; ■if you fail to let us know of any changes to your circumstances during the period of insurance or, if when telling us about such changes you fail to present the risk to us fairly, you could invalidate the policy, claims may not be paid or the amount we pay maybe reduced; ■please be aware of all terms and conditions of your policy because failure to comply with them could invalidate it or result in us not paying a claim or reducing the amount we pay; ■in the event ofa claim, you should take note of the required procedures, such as giving Hiscox prompt notice of the claims, as stated in the policy documentation. In particular, if you fail to notify us when you first become aware ofa shortcoming, fact, or problem, admit you are liable for what has happened or appoint solicitors or other legal representation without our prior written approval, claims or defence costs may not be paid or the amount we pay maybe reduced; ■as with any insurance, you have an obligation to take reasonable steps to mitigate any loss or liability; ■if you make a fraudulent claim or try to deceive us, we may terminate the policy. Policy length The period of insurance is shown on your policy schedule. Your policy schedule will also show if the policy is ona continuing cover basis. If itis ona continuing cover basis, we will renew your policy each year for another 12 months and continue to take payment (including any premium adjustment shown in your renewal invitation) using your existing arrangement, unless you tell us otherwise or if your risk changes. If your policy schedule does not show that the policy is ona continuing cover basis, cover will cease at the end of the period of insurance, unless you renew your policy with us. We will provide you witha statement of fact each year and provided that the information contained within the statement of fact is true, complete and accurate, you do not need to provide us with any further information. If any of the information in your statement of fact is not true, complete and accurate, you must let us know. If you do not let us know, it may affect the validity of the policy or our ability to pay a claim. Retroactive dates, geographical and jurisdiction limits Where any section of your policy schedule includes a retroactive date, we will not make any payment for any claim or loss under that section which arises from any activity performed or any act, incident or occurrence taking place, before the retroactive date. Where any section of your policy schedule shows the geographical limits which apply to that section of the policy, we will only pay for claims and losses under that section which arise from activities performed or acts, incidents or occurrences taking place within those geographical limits. Where any section provides cover in respect of your liability to third parties, we will only cover claims first made ina country within the applicable courts stated in that section of your policy schedule. Hiscox Business Insurance Policy summary JAC-PSC-UK-DC556(5.4) 17431b 07/20 Cancellation rights You can cancel this policy by giving us 30 days' notice. You will only be charged for the premiums due up to the date of cancellation. If we need to cancel the policy, we’ll give you 30 days’ notice in writing and refund any surplus premiums you might have paid. Please note – we may deduct an administration fee from any refunded payment.There is an exception to our 30-day notice period, which is triggered when we don’t receive your Direct Debit payments within the agreed 14-day period. At this point, we will contact you as soon as possible and stop the policyPage / 2 immediately. Underwritten by:Hiscox Underwriting Ltd on behalf of the insurers named in the schedule. Page / 1 Certificate of professional indemnity insurance Bradley 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:V8MH4WK9BG/MYU Name of policy holder:Bradley and Sons Period of insurance: From Sat 31 August, 2024 to 03 July, 2023 both days inclusive. This policy isa Continuing cover policy Insurer: Hiscox Insurance Company Limited Retroactive date: Fri 30 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: Sat 31 August, 2024 Insurance details Policy number: V8MH4WK9BG/MYU Period of insurance: From Sat 31 August, 2024 to 03 July, 2023 both days inclusive. This policy isa Continuing cover policy. Insured: Bradley and Sons Address: Studio 9 Ali keys Catherinebury FARNHAM B99 3UN Additional insureds: None Business: Management Consultants Premium details Charged premium – the total amount you’ll pay for this policy. Charged premium: £3,173.59 Insurance Premium Tax (IPT): £1,118.91 Total charged premium: £7,039.52 Annualised premium – the annual premium for this policy. This is given for comparison purposes. Please refer to the charged premium section for the amount you’ll pay for the policy. Annual premium: £3,173.59 Insurance Premium Tax (IPT): £1,118.91 Annual total: £7,039.52 Please note that there will be no refund or additional premium for any transaction which is less than £20 (excluding IPT). Hiscox Business Insurance Policy Schedule 14502 10/18 Summary Claims information If you need to make a claim: - For claims relating to your building or contents please contact our claims team on 0800 247 1902, 9.00am – 5:30pm Monday to Friday. If you wish to make a claim online, you can log most claims quickly and easily through our claims notification portal at https://claims.hiscox.co.uk/. Outside of normal business hours, if you require emergency assistance in relation to substantial damage to your property, you can speak to our 24-hour emergency assistance team using the telephone number above. Your policy schedule will state if property cover is included in your policy. Our out-of-hours emergency assistance team operate ona pay-and-claim basis and you will need to have credit card details available as appropriate. The team will then be able to direct you to essential tradesmen, emergency loss adjusters or disaster management companies in the event of substantial damage. - If there isa claim (or potential claim) against you bya third party, please email us at liability.claims@hiscox.com. If you need to speak to a member of the claims team urgently, please call our team on 0800 711 7156, 9.00am – 5:30pm Monday to Friday. If you wish to make a claim online, you can log most claims quickly and easily through our claims notification portal at https://claims.hiscox.co.uk/. You will need to provide your full name and contact details, the name of your business or organisation, your address and postcode, the policy reference and circumstances of the claim. The Important information and contact details section below contains additional information specific to the covers applicable to your policy. If you are unsure of who to contact please call our team on 0800 711 7156, 9.00am – 5:30pm Monday to Friday. They will ensure you get through to the correct claims team and let you know what actions you need to take. If anything happens that might be covered under the policy, you must comply with the obligations set out in General claims conditions, together with the obligations set out under Your obligations in the section or sections under which you are making the claim. Itis important that you read the policy for details of its terms in full. Your covers This isa summary of each section of your policy. See each section for cover details. Cover Insurance amount Excess Annual Premium (exc IPT) Professional indemnity £1,000,000 £1,000 £462.57 Legal protection £100,000 £0 £469.18 Crisis containment £25,000 - £3,725.49 The figures above are in summary only and are not in addition to the 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 31 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 dataPage / 2 claims £250,000 in the aggregate, including all costs Business activities Business management consultant Retroactive date Fri 30 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	V8MH4WK9BG/MYU	(?<=Policy number - )[-\w_\/\.]+?(?= Company name)	Sat 31 August, 2024	(?<=anniversary of your policy is approaching on )[-\w_\/\. ,]+?(?= \.)	null	null	Business	(?<=time to renew your Hiscox )[-\w_\/\. ]+?(?= Insurance)	2024-02-05
hiscox-business-1	Hiscox Business Insurance - Policy number - fr.lmoaukmk Company name: Mann Inc It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : fr.lmoaukmk. Company name: Mann Inc. Your Hiscox Insurance premium. Last year’s annual premium: This year’s annual premium. £ 3,031.58. £ 3,031.58. The premium includes all applicable insurance premium tax (IPT). Dear Mr Dr Leslie Warner. Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 15/04/22 . Good news; if you want cover to continue with us and to make sure you stay protected by our award-winning cover, you do not need to do anything. We will update your policy onto our latest wording and continue to collect payment using the payment details we have for you. You must read the important information contained in this email and the attached documents. Your Hiscox Insurance Premium breakdown. The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). The amount shown as last year’s Annual premium will take into account any changes to the cover which may have been made during the last policy period. Cover. Last year’s annual premium (exc IPT). This year’s annual Premium (exc IPT). Professional indemnity. £1,186.50. £1,186.50. Legal protection. £5,576.76. £5,576.76. Crisis containment. £9,310.77. Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy . Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government increase in Insurance Premium Tax as shown. Is our information correct? Your premium and cover are based on what you’ve told us about Mann 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 15/04/22 . We’re here between 8:30am - 5:30pm Monday to Friday . Please note that we can only discuss policy changes with people named on the policy. Why renew with Hiscox. - Reassuring: we offer a range of cover options that can be tailored to your needs. - Flexible: we offer full flexibility to change your policy, with no administration fees . - Award-winning cover : we’ve been named Best Small Business Insurer 7 years running by Start Your Business Magazine . Please click this link for the Hiscox Referral Portal: https://refer.aklamio.com/hiscox/uk?source=postpurchase. Thank you again for choosing Hiscox to insure your business. We hope you and your business have a very successful year. Kind regards. Jon Dye. CEO, Hiscox UK. Business Insurance for the small and the brave. To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre. Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. This email and any files transmitted with it are confidential and intended solely for the use of the individual or entity to whom they are addressed. No one else is authorised to distribute, forward, print, copy or act upon any information contained in this email. If you have received this email in error, please notify the sender. Hiscox Syndicates Limited and Hiscox Insurance Company Limited are authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Hiscox Underwriting Limited, Hiscox Underwriting Services Ltd, Hiscox MGA Ltd and Hiscox ASM Ltd are authorised and regulated by the Financial Conduct Authority. Hiscox Assure SAS is duly registered as an insurance broker with the ORIAS, which is the French Official Registry of Insurance Intermediaries. Hiscox plc is a company registered in England and Wales under company registration number 2837811 and registered office at 1 Great St Helen's, London EC3A 6HX. Hiscox SA is a company registered in Luxembourg at 35 Avenue John F. Kennedy 35F, Luxembourg L-1855, and is authorised by the Commissariat aux Assurances de Luxembourg. It’s time to renew your Hiscox Business Insurance Hiscox Insurance policy number : fr.lmoaukmk Company name: Mann Inc . It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : fr.lmoaukmk Company name: Mann Inc . Your Hiscox Insurance premium Last year’s annual premium: This year’s annual premium The premium includes all applicable insurance premium tax (IPT). £ 3,031.58 £ 3,031.58 . Your Hiscox Insurance premium . Last year’s annual premium: This year’s annual premium £ 3,031.58 £ 3,031.58 . The premium includes all applicable insurance premium tax (IPT). Dear Mr Dr Leslie Warner . Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 15/04/22 . Good news; if you want cover to continue with us and to make sure you stay protected by our award-winning cover, you do not need to do anything. We will update your policy onto our latest wording and continue to collect payment using the payment details we have for you. You must read the important information contained in this email and the attached documents Your Hiscox Insurance Premium breakdown The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). The amount shown as last year’s Annual premium will take into account any changes to the cover which may have been made during the last policy period. Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) Professional indemnity £1,186.50 £1,186.50 Legal protection £5,576.76 £5,576.76 Crisis containment £9,310.77 Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government increase in Insurance Premium Tax as shown. Is our information correct? Your premium and cover are based on what you’ve told us about Mann 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 15/04/22 . We’re here between 8:30am - 5:30pm Monday to Friday . Please note that we can only discuss policy changes with people named on the policy. Why renew with Hiscox - Reassuring: we offer a range of cover options that can be tailored to your needs - Flexible: we offer full flexibility to change your policy, with no administration fees - Award-winning cover : we’ve been named Best Small Business Insurer 7 years running by Start Your Business Magazine Please click this link for the Hiscox Referral Portal: https://refer.aklamio.com/hiscox/uk?source=postpurchase Thank you again for choosing Hiscox to insure your business. We hope you and your business have a very successful year. Kind regards Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 15/04/22 . Good news; if you want cover to continue with us and to make sure you stay protected by our award-winning cover, you do not need to do anything. We will update your policy onto our latest wording and continue to collect payment using the payment details we have for you. You must read the important information contained in this email and the attached documents Your Hiscox Insurance Premium breakdown The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). The amount shown as last year’s Annual premium will take into account any changes to the cover which may have been made during the last policy period. Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) Professional indemnity £1,186.50 £1,186.50 Legal protection £5,576.76 £5,576.76 Crisis containment £9,310.77 Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government increase in Insurance Premium Tax as shown. Is our information correct? Your premium and cover are based on what you’ve told us about Mann 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 15/04/22 . We’re here between 8:30am - 5:30pm Monday to Friday . Please note that we can only discuss policy changes with people named on the policy. Why renew with Hiscox - Reassuring: we offer a range of cover options that can be tailored to your needs - Flexible: we offer full flexibility to change your policy, with no administration fees - Award-winning cover : we’ve been named Best Small Business Insurer 7 years running by Start Your Business Magazine Please click this link for the Hiscox Referral Portal: https://refer.aklamio.com/hiscox/uk?source=postpurchase Thank you again for choosing Hiscox to insure your business. We hope you and your business have a very successful year. Kind regards Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Your Hiscox Insurance Premium breakdown The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). Cover Professional indemnity Legal protection Crisis containment . Last year’s annual premium (exc IPT) £1,186.50 £5,576.76 £9,310.77 . This year’s annual Premium (exc IPT) £1,186.50 £5,576.76 . Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) . Professional indemnity £1,186.50 £1,186.50 . Legal protection £5,576.76 £5,576.76 . Crisis containment £9,310.77 . Kind regards Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre . Kind regards . Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave . To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre . Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Page / 1 Hiscox Business Insurance Policy wording 17431a - DC565 WORDING 04/17Guide to sectionsIntroduction Policy wordings General terms and conditions Professional indemnity for business management consultants Legal protection Crisis containment Hiscox Business Insurance Policy wording 17431a - DC565 WORDING 04/17IntroductionThank you for choosing Hiscox to protect your business. We hope that the language and layout of this policy wording are clear because we want you to understand the insurance we provide as well as the responsibilities we have to each other. Please read this document, including the policy schedule, policy summary and statement of fact, and let us know as soon as possible if any of the details are shown incorrectly. We always try to deliver to the highest standards of service. Your views are important to us, so if you feel that our service is below the standard you would expect from Hiscox, please contact us on the phone number shown in your policy schedule. Please note that some of the words we use in this insurance are shown in bold type. These words are defined in each section of the wording. Page / 1 Hiscox Insurance Payment schedule Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Thank you for continuing to pay for your policy by Direct Debit. Please 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 Leslie Warner Frequency of collection: Annual Sort code: %BANK_SORT_CODE_1% Account number: %BANK_ACCOUNT_NUMBER_1% Your Direct Debit schedule We will take payments on the dates outlined below: Date Amount 01/03/2020 £3,031.58 Where your chosen collection date falls ona non-working day then we will endeavour to collect the next working day. For your information, the collections will be made using the following reference number: Originator Identification Number: 293461 Reference Number: fr.lmoaukmk If you have any questions about your policy or payments, please call us on 0800 280 0351. We’re here between 8:30am - 5:30pm Monday to Friday or you can email us at service@hiscox.co.uk. Using your personal information Hiscox isa trading name ofa number of Hiscox companies. The specific company acting asa data controller of your personal information will be listed in the documentation we provide to you. If you are unsure you can also contact us at anytime by telephoning 01904 681198 or by emailing us at dataprotectionofficer@hiscox.com. We collect and process information about you in order to provide insurance policies and to process claims. Your information is also used for business purposes such as fraud prevention and detection and financial management. This may involve sharing your information with, and obtaining information about you from, our group companies and third parties such as brokers, loss adjusters, credit reference agencies, service providers, professional advisors, our regulators or fraud prevention agencies. We may record telephone calls to help us monitor and improve the service we provide. For further information on how your information is used and your rights in relation to your information please see our privacy policy at www.hiscox.co.uk/cookies-privacy. The Direct Debit Guarantee This Guarantee is offered by all banks and building societies that accept instructions to pay Direct Debits. If there are any changes to the amount, date or frequency of your Direct Debit Hiscox Underwriting Ltd will notify you ten working days in advance of your account being debited or as otherwise agreed. If you request Hiscox Underwriting Ltd to collect a payment, confirmation of the amount and date will be given to you at the time of the request. If an error is made in the payment of your Direct Debit by Hiscox Underwriting Ltd or your bank or building society you are entitled to a full and immediate refund of the amount paid from your bank or building society. – If you receive a refund you are not entitled to, you must pay it back when Hiscox Underwriting Ltd asks you to. You can cancel a Direct Debit at anytime by simply contacting your bank or building society. Written confirmation maybe required. Please also notify us. Page / 1 Hiscox Business Insurance Policy summary JAC-PSC-UK-DC556(5.4) 17431b 07/20 Your Hiscox Business Insurance policy summaries This document contains the summaries for any policy covers you have selected to protect your business. These summaries outline the key information about your policies so you can be confident that you have understood what you have bought and what you are covered for. However, you should carefully read your policy in full and ensure that you understand its terms and conditions in full. If you have any queries, you should contact Hiscox or your insurance advisor. Your side of the bargain Remember, your premium and insurance are based on the details you have provided to us. Please make sure this information accurately reflects your business and that you inform us immediately if anything needs to change. Please also tell us of any changes in circumstances that may affect the services provided by us or the cover provided by your policy. This is particularly important before taking out a policy, but it also applies throughout the life of the policy too. You need to consider: ■if you fail to fairly present the risk to us, including by failing to disclose any information material to the insurance, you could invalidate the policy, claims may not be paid or the amount we pay maybe reduced; ■you should read and check all insurance documents to ensure that you are aware of the cover, limits and other terms that apply; ■if you fail to let us know of any changes to your circumstances during the period of insurance or, if when telling us about such changes you fail to present the risk to us fairly, you could invalidate the policy, claims may not be paid or the amount we pay maybe reduced; ■please be aware of all terms and conditions of your policy because failure to comply with them could invalidate it or result in us not paying a claim or reducing the amount we pay; ■in the event ofa claim, you should take note of the required procedures, such as giving Hiscox prompt notice of the claims, as stated in the policy documentation. In particular, if you fail to notify us when you first become aware ofa shortcoming, fact, or problem, admit you are liable for what has happened or appoint solicitors or other legal representation without our prior written approval, claims or defence costs may not be paid or the amount we pay maybe reduced; ■as with any insurance, you have an obligation to take reasonable steps to mitigate any loss or liability; ■if you make a fraudulent claim or try to deceive us, we may terminate the policy. Policy length The period of insurance is shown on your policy schedule. Your policy schedule will also show if the policy is ona continuing cover basis. If itis ona continuing cover basis, we will renew your policy each year for another 12 months and continue to take payment (including any premium adjustment shown in your renewal invitation) using your existing arrangement, unless you tell us otherwise or if your risk changes. If your policy schedule does not show that the policy is ona continuing cover basis, cover will cease at the end of the period of insurance, unless you renew your policy with us. We will provide you witha statement of fact each year and provided that the information contained within the statement of fact is true, complete and accurate, you do not need to provide us with any further information. If any of the information in your statement of fact is not true, complete and accurate, you must let us know. If you do not let us know, it may affect the validity of the policy or our ability to pay a claim. Retroactive dates, geographical and jurisdiction limits Where any section of your policy schedule includes a retroactive date, we will not make any payment for any claim or loss under that section which arises from any activity performed or any act, incident or occurrence taking place, before the retroactive date. Where any section of your policy schedule shows the geographical limits which apply to that section of the policy, we will only pay for claims and losses under that section which arise from activities performed or acts, incidents or occurrences taking place within those geographical limits. Where any section provides cover in respect of your liability to third parties, we will only cover claims first made ina country within the applicable courts stated in that section of your policy schedule. Hiscox Business Insurance Policy summary JAC-PSC-UK-DC556(5.4) 17431b 07/20 Cancellation rights You can cancel this policy by giving us 30 days' notice. You will only be charged for the premiums due up to the date of cancellation. If we need to cancel the policy, we’ll give you 30 days’ notice in writing and refund any surplus premiums you might have paid. Please note – we may deduct an administration fee from any refunded payment.There is an exception to our 30-day notice period, which is triggered when we don’t receive your Direct Debit payments within the agreed 14-day period. At this point, we will contact you as soon as possible and stop the policyPage / 2 immediately. Underwritten by:Hiscox Underwriting Ltd on behalf of the insurers named in the schedule. Page / 1 Certificate of professional indemnity insurance Mann 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:fr.lmoaukmk Name of policy holder:Mann Inc Period of insurance: From 15/04/22 to Thu 18 December, 2025 both days inclusive. This policy isa Continuing cover policy Insurer: Hiscox Insurance Company Limited Retroactive date: Fri 29 November, 2024 Level of cover:£1,000,000 Signed on behalf of Hiscox Underwriting Limited as agent for the insurers Jon Dye CEO, Hiscox UK Notes: (a) This insurance is subject to policy terms and conditions and any special terms notified to the InsuredPage / 1 Hiscox Business Insurance Policy Schedule 14502 10/18 This schedule tells you what is insured with us. It should be read carefully with your policy wording(s) and statement of fact detailed elsewhere in this document. Schedule effective date: 15/04/22 Insurance details Policy number: fr.lmoaukmk Period of insurance: From 15/04/22 to Thu 18 December, 2025 both days inclusive. This policy isa Continuing cover policy. Insured: Mann Inc Address: 686 Damien pike Reedport FARNHAM W61 4FA Additional insureds: None Business: Management Consultants Premium details Charged premium – the total amount you’ll pay for this policy. Charged premium: £7,827.68 Insurance Premium Tax (IPT): £7,937.94 Total charged premium: £3,031.58 Annualised premium – the annual premium for this policy. This is given for comparison purposes. Please refer to the charged premium section for the amount you’ll pay for the policy. Annual premium: £7,827.68 Insurance Premium Tax (IPT): £7,937.94 Annual total: £3,031.58 Please note that there will be no refund or additional premium for any transaction which is less than £20 (excluding IPT). Hiscox Business Insurance Policy Schedule 14502 10/18 Summary Claims information If you need to make a claim: - For claims relating to your building or contents please contact our claims team on 0800 247 1902, 9.00am – 5:30pm Monday to Friday. If you wish to make a claim online, you can log most claims quickly and easily through our claims notification portal at https://claims.hiscox.co.uk/. Outside of normal business hours, if you require emergency assistance in relation to substantial damage to your property, you can speak to our 24-hour emergency assistance team using the telephone number above. Your policy schedule will state if property cover is included in your policy. Our out-of-hours emergency assistance team operate ona pay-and-claim basis and you will need to have credit card details available as appropriate. The team will then be able to direct you to essential tradesmen, emergency loss adjusters or disaster management companies in the event of substantial damage. - If there isa claim (or potential claim) against you bya third party, please email us at liability.claims@hiscox.com. If you need to speak to a member of the claims team urgently, please call our team on 0800 711 7156, 9.00am – 5:30pm Monday to Friday. If you wish to make a claim online, you can log most claims quickly and easily through our claims notification portal at https://claims.hiscox.co.uk/. You will need to provide your full name and contact details, the name of your business or organisation, your address and postcode, the policy reference and circumstances of the claim. The Important information and contact details section below contains additional information specific to the covers applicable to your policy. If you are unsure of who to contact please call our team on 0800 711 7156, 9.00am – 5:30pm Monday to Friday. They will ensure you get through to the correct claims team and let you know what actions you need to take. If anything happens that might be covered under the policy, you must comply with the obligations set out in General claims conditions, together with the obligations set out under Your obligations in the section or sections under which you are making the claim. Itis important that you read the policy for details of its terms in full. Your covers This isa summary of each section of your policy. See each section for cover details. Cover Insurance amount Excess Annual Premium (exc IPT) Professional indemnity £1,000,000 £1,000 £1,186.50 Legal protection £100,000 £0 £5,576.76 Crisis containment £25,000 - £9,310.77 The figures above are in summary only and are not in addition to the amount insured specified against each cover section below. Hiscox Business Insurance Policy Schedule 14502 10/18 SECTION: PROFESSIONAL INDEMNITY – MANAGEMENT CONSULTANTS Cover start date: 15/04/22 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 dataPage / 2 claims £250,000 in the aggregate, including all costs Business activities Business management consultant Retroactive date Fri 29 November, 2024 Insurer Hiscox Insurance Company LimitedPage / 1 Hiscox Insurance Summary of change Introduction This document has been created to help you understand the key changes to your Hiscox Insurance policy and how they may impact you. Your policy continues to offer professional, tailored insurance to protect you and give you peace of mind that if you need us, you will be supported by our award winning claims team. If you have a query not covered by this document, or if you have any questions or concerns about your policy you should contact us. Frequently asked questions What if my circumstances change during the period of insurance? If your circumstances change during the period of insurance, you only need to let us know if the change means that any of the information in the Statement of Fact is no longer true, complete and accurate. If there are no such changes, you do not need to let us know. If any of the information within the Statement of Fact becomes no longer complete, true or accurate at any point during the period of insurance you must tell us as it may affect the validity of the policy or our ability to pay a claim. Additionally, if your contact details change then you should let us know straightaway. Where doI find the limits that apply to my policy? You can find your maximum allowable limits for turnover and wage rollin your Statement of Fact. You must check this information and tell us or your broker if you expect to exceed the maximum amounts shown. Please note these values may have changed. If there are special limits or special excesses applying to particular covers or types of losses these will be shown in the policy schedule. Please check your policy schedule carefully as they may have changed. My new schedule shows a different premium to last year? What has changed? If an underwriter has reviewed your policy then they may have manually adjusted your premium, for example if you’ve had claims in the last 12 months. Where doI find out about any endorsements on my policy? You will be able to see if an endorsement has been applied or removed by reviewing your Policy Schedule. If you have any queries or concerns, please contact us or your broker if you have one. Hiscox Insurance Summary of change Professional indemnity for business management consultants Summary of change Changes to the cover The following table shows the differences between our new policy wordings (5570 WD- PROF-UK-MAN(7), 15579 WD-PROF-UK-MAN-AG(3)) and our previous wordings (5570 WD-PROF-UK-MAN(6), 15579 WD-PROF-UK-MAN-AG(2)). This isa summary of the changes only. You should refer to the schedule and policy wording for the full description of the cover in place. Area of cover Previous policy New policy Improvement in cover Claims against you Advertising claims. We will pay claims arising from your advertising or branding for defamation or infringement of copyright or moral rights. This does not include claims for passing off, unauthorised use of trademarks or false or misleading advertising. Previously cover was not restricted to defamation or the infringement of copyright or moral rights.Covered Amended Your own lossesChanges to ‘what is covered’ Losses from dishonesty. Your losses arising from the dishonesty of your employees, sub-contractors or outsourcers.Covered Not covered Area of cover Previous policy New policy Improvement in cover Cyber incident. We will not pay claims relating to an actual or possible cyber attack, hacker or social engineering communication. Previously we excluded any virus not specifically targeted at your system.Covered Not covered Computer or digital technology error. We will not pay claims arising from any negligent act, error or omission in the operation or maintenance of computer or digital technology such as development, installation, patching or upgrading.Covered Not coveredChanges to ‘what is not covered’ Infrastructure. We will not pay claims arising from the failure of the service provided by internet, telecommunications, utilities or other infrastructure providers.Covered Not covered Hiscox Insurance Summary of change Personal data. We will not pay claims relating to personal data. We will pay such claims where they arise from your performance ofa business activity and which is not otherwise excluded. Subject to the limit shown in the schedule.Covered Not covered Other important changes Control of defence. Under the previous wording we had a duty to defend you against any covered claim brought against you. We now have the right but not the obligation to take control of the conduct of the claim including the appointment of legal representation. Please refer to the policy wording for full details. SOC-PROF-UK-MAN(1) 21367 01/21	fr.lmoaukmk	(?<=Policy number - )[-\w_\/\.]+?(?= Company name)	15/04/22	(?<=anniversary of your policy is approaching on )[-\w_\/\. ,]+?(?= \.)	null	null	Business	(?<=time to renew your Hiscox )[-\w_\/\. ]+?(?= Insurance)	2024-02-05
hiscox-business-1	Hiscox Business Insurance - Policy number - M4OHCGRPSR0WNZ9CEE Company name: Gardiner-Parker It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : M4OHCGRPSR0WNZ9CEE. Company name: Gardiner-Parker. Your Hiscox Insurance premium. Last year’s annual premium: This year’s annual premium. £ 2,577.44. £ 2,577.44. The premium includes all applicable insurance premium tax (IPT). Dear Miss Jemma Rogers. Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 18/08/2022 . 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. £7,008.80. £7,008.80. Legal protection. £5,555.52. £5,555.52. Crisis containment. £9,996.66. Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy . Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government increase in Insurance Premium Tax as shown. Is our information correct? Your premium and cover are based on what you’ve told us about Gardiner-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 18/08/2022 . 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 : M4OHCGRPSR0WNZ9CEE Company name: Gardiner-Parker . It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : M4OHCGRPSR0WNZ9CEE Company name: Gardiner-Parker . Your Hiscox Insurance premium Last year’s annual premium: This year’s annual premium The premium includes all applicable insurance premium tax (IPT). £ 2,577.44 £ 2,577.44 . Your Hiscox Insurance premium . Last year’s annual premium: This year’s annual premium £ 2,577.44 £ 2,577.44 . The premium includes all applicable insurance premium tax (IPT). Dear Miss Jemma Rogers . Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 18/08/2022 . 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 £7,008.80 £7,008.80 Legal protection £5,555.52 £5,555.52 Crisis containment £9,996.66 Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government increase in Insurance Premium Tax as shown. Is our information correct? Your premium and cover are based on what you’ve told us about Gardiner-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 18/08/2022 . We’re here between 8:30am - 5:30pm Monday to Friday . Please note that we can only discuss policy changes with people named on the policy. Why renew with Hiscox - Reassuring: we offer a range of cover options that can be tailored to your needs - Flexible: we offer full flexibility to change your policy, with no administration fees - Award-winning cover : we’ve been named Best Small Business Insurer 7 years running by Start Your Business Magazine Please click this link for the Hiscox Referral Portal: https://refer.aklamio.com/hiscox/uk?source=postpurchase Thank you again for choosing Hiscox to insure your business. We hope you and your business have a very successful year. Kind regards Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 18/08/2022 . 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 £7,008.80 £7,008.80 Legal protection £5,555.52 £5,555.52 Crisis containment £9,996.66 Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government increase in Insurance Premium Tax as shown. Is our information correct? Your premium and cover are based on what you’ve told us about Gardiner-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 18/08/2022 . 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) £7,008.80 £5,555.52 £9,996.66 . This year’s annual Premium (exc IPT) £7,008.80 £5,555.52 . Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) . Professional indemnity £7,008.80 £7,008.80 . Legal protection £5,555.52 £5,555.52 . Crisis containment £9,996.66 . Kind regards Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre . Kind regards . Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave . To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre . Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Page / 1 Hiscox Business Insurance Policy wording 17431a - DC565 WORDING 04/17Guide to sectionsIntroduction Policy wordings General terms and conditions Professional indemnity for business management consultants Legal protection Crisis containment Hiscox Business Insurance Policy wording 17431a - DC565 WORDING 04/17IntroductionThank you for choosing Hiscox to protect your business. We hope that the language and layout of this policy wording are clear because we want you to understand the insurance we provide as well as the responsibilities we have to each other. Please read this document, including the policy schedule, policy summary and statement of fact, and let us know as soon as possible if any of the details are shown incorrectly. We always try to deliver to the highest standards of service. Your views are important to us, so if you feel that our service is below the standard you would expect from Hiscox, please contact us on the phone number shown in your policy schedule. Please note that some of the words we use in this insurance are shown in bold type. These words are defined in each section of the wording. Page / 1 Hiscox Insurance Payment schedule Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Thank you for continuing to pay for your policy by Direct Debit. Please check these details and let us know if anything is incorrect or if the schedule is not suitable. Your reference details Account holder name: Jemma Rogers Frequency of collection: Annual Sort code: %BANK_SORT_CODE_1% Account number: %BANK_ACCOUNT_NUMBER_1% Your Direct Debit schedule We will take payments on the dates outlined below: Date Amount 21/05/23 £2,577.44 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: M4OHCGRPSR0WNZ9CEE If you have any questions about your policy or payments, please call us on 0800 280 0351. We’re here between 8:30am - 5:30pm Monday to Friday or you can email us at service@hiscox.co.uk. Using your personal information Hiscox isa trading name ofa number of Hiscox companies. The specific company acting asa data controller of your personal information will be listed in the documentation we provide to you. If you are unsure you can also contact us at anytime by telephoning 01904 681198 or by emailing us at dataprotectionofficer@hiscox.com. We collect and process information about you in order to provide insurance policies and to process claims. Your information is also used for business purposes such as fraud prevention and detection and financial management. This may involve sharing your information with, and obtaining information about you from, our group companies and third parties such as brokers, loss adjusters, credit reference agencies, service providers, professional advisors, our regulators or fraud prevention agencies. We may record telephone calls to help us monitor and improve the service we provide. For further information on how your information is used and your rights in relation to your information please see our privacy policy at www.hiscox.co.uk/cookies-privacy. The Direct Debit Guarantee This Guarantee is offered by all banks and building societies that accept instructions to pay Direct Debits. If there are any changes to the amount, date or frequency of your Direct Debit Hiscox Underwriting Ltd will notify you ten working days in advance of your account being debited or as otherwise agreed. If you request Hiscox Underwriting Ltd to collect a payment, confirmation of the amount and date will be given to you at the time of the request. If an error is made in the payment of your Direct Debit by Hiscox Underwriting Ltd or your bank or building society you are entitled to a full and immediate refund of the amount paid from your bank or building society. – If you receive a refund you are not entitled to, you must pay it back when Hiscox Underwriting Ltd asks you to. You can cancel a Direct Debit at anytime by simply contacting your bank or building society. Written confirmation maybe required. Please also notify us. Page / 1 Hiscox Business Insurance Policy summary JAC-PSC-UK-DC556(5.4) 17431b 07/20 Your Hiscox Business Insurance policy summaries This document contains the summaries for any policy covers you have selected to protect your business. These summaries outline the key information about your policies so you can be confident that you have understood what you have bought and what you are covered for. However, you should carefully read your policy in full and ensure that you understand its terms and conditions in full. If you have any queries, you should contact Hiscox or your insurance advisor. Your side of the bargain Remember, your premium and insurance are based on the details you have provided to us. Please make sure this information accurately reflects your business and that you inform us immediately if anything needs to change. Please also tell us of any changes in circumstances that may affect the services provided by us or the cover provided by your policy. This is particularly important before taking out a policy, but it also applies throughout the life of the policy too. You need to consider: ■if you fail to fairly present the risk to us, including by failing to disclose any information material to the insurance, you could invalidate the policy, claims may not be paid or the amount we pay maybe reduced; ■you should read and check all insurance documents to ensure that you are aware of the cover, limits and other terms that apply; ■if you fail to let us know of any changes to your circumstances during the period of insurance or, if when telling us about such changes you fail to present the risk to us fairly, you could invalidate the policy, claims may not be paid or the amount we pay maybe reduced; ■please be aware of all terms and conditions of your policy because failure to comply with them could invalidate it or result in us not paying a claim or reducing the amount we pay; ■in the event ofa claim, you should take note of the required procedures, such as giving Hiscox prompt notice of the claims, as stated in the policy documentation. In particular, if you fail to notify us when you first become aware ofa shortcoming, fact, or problem, admit you are liable for what has happened or appoint solicitors or other legal representation without our prior written approval, claims or defence costs may not be paid or the amount we pay maybe reduced; ■as with any insurance, you have an obligation to take reasonable steps to mitigate any loss or liability; ■if you make a fraudulent claim or try to deceive us, we may terminate the policy. Policy length The period of insurance is shown on your policy schedule. Your policy schedule will also show if the policy is ona continuing cover basis. If itis ona continuing cover basis, we will renew your policy each year for another 12 months and continue to take payment (including any premium adjustment shown in your renewal invitation) using your existing arrangement, unless you tell us otherwise or if your risk changes. If your policy schedule does not show that the policy is ona continuing cover basis, cover will cease at the end of the period of insurance, unless you renew your policy with us. We will provide you witha statement of fact each year and provided that the information contained within the statement of fact is true, complete and accurate, you do not need to provide us with any further information. If any of the information in your statement of fact is not true, complete and accurate, you must let us know. If you do not let us know, it may affect the validity of the policy or our ability to pay a claim. Retroactive dates, geographical and jurisdiction limits Where any section of your policy schedule includes a retroactive date, we will not make any payment for any claim or loss under that section which arises from any activity performed or any act, incident or occurrence taking place, before the retroactive date. Where any section of your policy schedule shows the geographical limits which apply to that section of the policy, we will only pay for claims and losses under that section which arise from activities performed or acts, incidents or occurrences taking place within those geographical limits. Where any section provides cover in respect of your liability to third parties, we will only cover claims first made ina country within the applicable courts stated in that section of your policy schedule. Hiscox Business Insurance Policy summary JAC-PSC-UK-DC556(5.4) 17431b 07/20 Cancellation rights You can cancel this policy by giving us 30 days' notice. You will only be charged for the premiums due up to the date of cancellation. If we need to cancel the policy, we’ll give you 30 days’ notice in writing and refund any surplus premiums you might have paid. Please note – we may deduct an administration fee from any refunded payment.There is an exception to our 30-day notice period, which is triggered when we don’t receive your Direct Debit payments within the agreed 14-day period. At this point, we will contact you as soon as possible and stop the policyPage / 2 immediately. Underwritten by:Hiscox Underwriting Ltd on behalf of the insurers named in the schedule. Page / 1 Certificate of professional indemnity insurance Gardiner-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:M4OHCGRPSR0WNZ9CEE Name of policy holder:Gardiner-Parker Period of insurance: From 18/08/2022 to 2024-09-09 both days inclusive. This policy isa Continuing cover policy Insurer: Hiscox Insurance Company Limited Retroactive date: 17/11/24 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: 18/08/2022 Insurance details Policy number: M4OHCGRPSR0WNZ9CEE Period of insurance: From 18/08/2022 to 2024-09-09 both days inclusive. This policy isa Continuing cover policy. Insured: Gardiner-Parker Address: Studio 79u Dodd station North Eleanormouth FARNHAM LD3R 1NJ Additional insureds: None Business: Management Consultants Premium details Charged premium – the total amount you’ll pay for this policy. Charged premium: £3,771.78 Insurance Premium Tax (IPT): £4,956.16 Total charged premium: £2,577.44 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: £3,771.78 Insurance Premium Tax (IPT): £4,956.16 Annual total: £2,577.44 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 £7,008.80 Legal protection £100,000 £0 £5,555.52 Crisis containment £25,000 - £9,996.66 The figures above are in summary only and are not in addition to the amount insured specified against each cover section below. Hiscox Business Insurance Policy Schedule 14502 10/18 SECTION: PROFESSIONAL INDEMNITY – MANAGEMENT CONSULTANTS Cover start date: 18/08/2022 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 dataPage / 2 claims £250,000 in the aggregate, including all costs Business activities Business management consultant Retroactive date 17/11/24 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	M4OHCGRPSR0WNZ9CEE	(?<=Policy number - )[-\w_\/\.]+?(?= Company name)	18/08/2022	(?<=anniversary of your policy is approaching on )[-\w_\/\. ,]+?(?= \.)	null	null	Business	(?<=time to renew your Hiscox )[-\w_\/\. ]+?(?= Insurance)	2024-02-05
hiscox-business-1	Hiscox Business Insurance - Policy number - H/YB2-Y1X61AM2N6S Company name: Moore PLC It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : H/YB2-Y1X61AM2N6S. Company name: Moore PLC. Your Hiscox Insurance premium. Last year’s annual premium: This year’s annual premium. £ 6,914.27. £ 6,914.27. The premium includes all applicable insurance premium tax (IPT). Dear Dr Toby King. Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 17/11/25 . 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. £4,503.25. £4,503.25. Legal protection. £7,027.29. £7,027.29. Crisis containment. £8,667.64. Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy . Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government increase in Insurance Premium Tax as shown. Is our information correct? Your premium and cover are based on what you’ve told us about Moore 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 17/11/25 . 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 : H/YB2-Y1X61AM2N6S Company name: Moore PLC . It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : H/YB2-Y1X61AM2N6S Company name: Moore PLC . Your Hiscox Insurance premium Last year’s annual premium: This year’s annual premium The premium includes all applicable insurance premium tax (IPT). £ 6,914.27 £ 6,914.27 . Your Hiscox Insurance premium . Last year’s annual premium: This year’s annual premium £ 6,914.27 £ 6,914.27 . The premium includes all applicable insurance premium tax (IPT). Dear Dr Toby King . Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 17/11/25 . 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 £4,503.25 £4,503.25 Legal protection £7,027.29 £7,027.29 Crisis containment £8,667.64 Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government increase in Insurance Premium Tax as shown. Is our information correct? Your premium and cover are based on what you’ve told us about Moore 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 17/11/25 . 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 17/11/25 . 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 £4,503.25 £4,503.25 Legal protection £7,027.29 £7,027.29 Crisis containment £8,667.64 Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government increase in Insurance Premium Tax as shown. Is our information correct? Your premium and cover are based on what you’ve told us about Moore 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 17/11/25 . We’re here between 8:30am - 5:30pm Monday to Friday . Please note that we can only discuss policy changes with people named on the policy. Why renew with Hiscox - Reassuring: we offer a range of cover options that can be tailored to your needs - Flexible: we offer full flexibility to change your policy, with no administration fees - Award-winning cover : we’ve been named Best Small Business Insurer 7 years running by Start Your Business Magazine Please click this link for the Hiscox Referral Portal: https://refer.aklamio.com/hiscox/uk?source=postpurchase Thank you again for choosing Hiscox to insure your business. We hope you and your business have a very successful year. Kind regards Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Your Hiscox Insurance Premium breakdown The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). Cover Professional indemnity Legal protection Crisis containment . Last year’s annual premium (exc IPT) £4,503.25 £7,027.29 £8,667.64 . This year’s annual Premium (exc IPT) £4,503.25 £7,027.29 . Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) . Professional indemnity £4,503.25 £4,503.25 . Legal protection £7,027.29 £7,027.29 . Crisis containment £8,667.64 . Kind regards Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre . Kind regards . Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave . To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre . Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Page / 1 Hiscox Business Insurance Policy wording 17431a - DC565 WORDING 04/17Guide to sectionsIntroduction Policy wordings General terms and conditions Professional indemnity for business management consultants Legal protection Crisis containment Hiscox Business Insurance Policy wording 17431a - DC565 WORDING 04/17IntroductionThank you for choosing Hiscox to protect your business. We hope that the language and layout of this policy wording are clear because we want you to understand the insurance we provide as well as the responsibilities we have to each other. Please read this document, including the policy schedule, policy summary and statement of fact, and let us know as soon as possible if any of the details are shown incorrectly. We always try to deliver to the highest standards of service. Your views are important to us, so if you feel that our service is below the standard you would expect from Hiscox, please contact us on the phone number shown in your policy schedule. Please note that some of the words we use in this insurance are shown in bold type. These words are defined in each section of the wording. Page / 1 Hiscox Insurance Payment schedule Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Thank you for continuing to pay for your policy by Direct Debit. Please check these details and let us know if anything is incorrect or if the schedule is not suitable. Your reference details Account holder name: Toby King Frequency of collection: Annual Sort code: %BANK_SORT_CODE_1% Account number: %BANK_ACCOUNT_NUMBER_1% Your Direct Debit schedule We will take payments on the dates outlined below: Date Amount 2023-10-24 £6,914.27 Where your chosen collection date falls ona non-working day then we will endeavour to collect the next working day. For your information, the collections will be made using the following reference number: Originator Identification Number: 293461 Reference Number: H/YB2-Y1X61AM2N6S If you have any questions about your policy or payments, please call us on 0800 280 0351. We’re here between 8:30am - 5:30pm Monday to Friday or you can email us at service@hiscox.co.uk. Using your personal information Hiscox isa trading name ofa number of Hiscox companies. The specific company acting asa data controller of your personal information will be listed in the documentation we provide to you. If you are unsure you can also contact us at anytime by telephoning 01904 681198 or by emailing us at dataprotectionofficer@hiscox.com. We collect and process information about you in order to provide insurance policies and to process claims. Your information is also used for business purposes such as fraud prevention and detection and financial management. This may involve sharing your information with, and obtaining information about you from, our group companies and third parties such as brokers, loss adjusters, credit reference agencies, service providers, professional advisors, our regulators or fraud prevention agencies. We may record telephone calls to help us monitor and improve the service we provide. For further information on how your information is used and your rights in relation to your information please see our privacy policy at www.hiscox.co.uk/cookies-privacy. The Direct Debit Guarantee This Guarantee is offered by all banks and building societies that accept instructions to pay Direct Debits. If there are any changes to the amount, date or frequency of your Direct Debit Hiscox Underwriting Ltd will notify you ten working days in advance of your account being debited or as otherwise agreed. If you request Hiscox Underwriting Ltd to collect a payment, confirmation of the amount and date will be given to you at the time of the request. If an error is made in the payment of your Direct Debit by Hiscox Underwriting Ltd or your bank or building society you are entitled to a full and immediate refund of the amount paid from your bank or building society. – If you receive a refund you are not entitled to, you must pay it back when Hiscox Underwriting Ltd asks you to. You can cancel a Direct Debit at anytime by simply contacting your bank or building society. Written confirmation maybe required. Please also notify us. Page / 1 Hiscox Business Insurance Policy summary JAC-PSC-UK-DC556(5.4) 17431b 07/20 Your Hiscox Business Insurance policy summaries This document contains the summaries for any policy covers you have selected to protect your business. These summaries outline the key information about your policies so you can be confident that you have understood what you have bought and what you are covered for. However, you should carefully read your policy in full and ensure that you understand its terms and conditions in full. If you have any queries, you should contact Hiscox or your insurance advisor. Your side of the bargain Remember, your premium and insurance are based on the details you have provided to us. Please make sure this information accurately reflects your business and that you inform us immediately if anything needs to change. Please also tell us of any changes in circumstances that may affect the services provided by us or the cover provided by your policy. This is particularly important before taking out a policy, but it also applies throughout the life of the policy too. You need to consider: ■if you fail to fairly present the risk to us, including by failing to disclose any information material to the insurance, you could invalidate the policy, claims may not be paid or the amount we pay maybe reduced; ■you should read and check all insurance documents to ensure that you are aware of the cover, limits and other terms that apply; ■if you fail to let us know of any changes to your circumstances during the period of insurance or, if when telling us about such changes you fail to present the risk to us fairly, you could invalidate the policy, claims may not be paid or the amount we pay maybe reduced; ■please be aware of all terms and conditions of your policy because failure to comply with them could invalidate it or result in us not paying a claim or reducing the amount we pay; ■in the event ofa claim, you should take note of the required procedures, such as giving Hiscox prompt notice of the claims, as stated in the policy documentation. In particular, if you fail to notify us when you first become aware ofa shortcoming, fact, or problem, admit you are liable for what has happened or appoint solicitors or other legal representation without our prior written approval, claims or defence costs may not be paid or the amount we pay maybe reduced; ■as with any insurance, you have an obligation to take reasonable steps to mitigate any loss or liability; ■if you make a fraudulent claim or try to deceive us, we may terminate the policy. Policy length The period of insurance is shown on your policy schedule. Your policy schedule will also show if the policy is ona continuing cover basis. If itis ona continuing cover basis, we will renew your policy each year for another 12 months and continue to take payment (including any premium adjustment shown in your renewal invitation) using your existing arrangement, unless you tell us otherwise or if your risk changes. If your policy schedule does not show that the policy is ona continuing cover basis, cover will cease at the end of the period of insurance, unless you renew your policy with us. We will provide you witha statement of fact each year and provided that the information contained within the statement of fact is true, complete and accurate, you do not need to provide us with any further information. If any of the information in your statement of fact is not true, complete and accurate, you must let us know. If you do not let us know, it may affect the validity of the policy or our ability to pay a claim. Retroactive dates, geographical and jurisdiction limits Where any section of your policy schedule includes a retroactive date, we will not make any payment for any claim or loss under that section which arises from any activity performed or any act, incident or occurrence taking place, before the retroactive date. Where any section of your policy schedule shows the geographical limits which apply to that section of the policy, we will only pay for claims and losses under that section which arise from activities performed or acts, incidents or occurrences taking place within those geographical limits. Where any section provides cover in respect of your liability to third parties, we will only cover claims first made ina country within the applicable courts stated in that section of your policy schedule. Hiscox Business Insurance Policy summary JAC-PSC-UK-DC556(5.4) 17431b 07/20 Cancellation rights You can cancel this policy by giving us 30 days' notice. You will only be charged for the premiums due up to the date of cancellation. If we need to cancel the policy, we’ll give you 30 days’ notice in writing and refund any surplus premiums you might have paid. Please note – we may deduct an administration fee from any refunded payment.There is an exception to our 30-day notice period, which is triggered when we don’t receive your Direct Debit payments within the agreed 14-day period. At this point, we will contact you as soon as possible and stop the policyPage / 2 immediately. Underwritten by:Hiscox Underwriting Ltd on behalf of the insurers named in the schedule. Page / 1 Certificate of professional indemnity insurance Moore 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:H/YB2-Y1X61AM2N6S Name of policy holder:Moore PLC Period of insurance: From 17/11/25 to 2024-07-29 both days inclusive. This policy isa Continuing cover policy Insurer: Hiscox Insurance Company Limited Retroactive date: 2020-03-10 Level of cover:£1,000,000 Signed on behalf of Hiscox Underwriting Limited as agent for the insurers Jon Dye CEO, Hiscox UK Notes: (a) This insurance is subject to policy terms and conditions and any special terms notified to the InsuredPage / 1 Hiscox Business Insurance Policy Schedule 14502 10/18 This schedule tells you what is insured with us. It should be read carefully with your policy wording(s) and statement of fact detailed elsewhere in this document. Schedule effective date: 17/11/25 Insurance details Policy number: H/YB2-Y1X61AM2N6S Period of insurance: From 17/11/25 to 2024-07-29 both days inclusive. This policy isa Continuing cover policy. Insured: Moore PLC Address: 5 Jayne glen Helenland FARNHAM LD40 8PB Additional insureds: None Business: Management Consultants Premium details Charged premium – the total amount you’ll pay for this policy. Charged premium: £9,669.36 Insurance Premium Tax (IPT): £3,246.58 Total charged premium: £6,914.27 Annualised premium – the annual premium for this policy. This is given for comparison purposes. Please refer to the charged premium section for the amount you’ll pay for the policy. Annual premium: £9,669.36 Insurance Premium Tax (IPT): £3,246.58 Annual total: £6,914.27 Please note that there will be no refund or additional premium for any transaction which is less than £20 (excluding IPT). Hiscox Business Insurance Policy Schedule 14502 10/18 Summary Claims information If you need to make a claim: - For claims relating to your building or contents please contact our claims team on 0800 247 1902, 9.00am – 5:30pm Monday to Friday. If you wish to make a claim online, you can log most claims quickly and easily through our claims notification portal at https://claims.hiscox.co.uk/. Outside of normal business hours, if you require emergency assistance in relation to substantial damage to your property, you can speak to our 24-hour emergency assistance team using the telephone number above. Your policy schedule will state if property cover is included in your policy. Our out-of-hours emergency assistance team operate ona pay-and-claim basis and you will need to have credit card details available as appropriate. The team will then be able to direct you to essential tradesmen, emergency loss adjusters or disaster management companies in the event of substantial damage. - If there isa claim (or potential claim) against you bya third party, please email us at liability.claims@hiscox.com. If you need to speak to a member of the claims team urgently, please call our team on 0800 711 7156, 9.00am – 5:30pm Monday to Friday. If you wish to make a claim online, you can log most claims quickly and easily through our claims notification portal at https://claims.hiscox.co.uk/. You will need to provide your full name and contact details, the name of your business or organisation, your address and postcode, the policy reference and circumstances of the claim. The Important information and contact details section below contains additional information specific to the covers applicable to your policy. If you are unsure of who to contact please call our team on 0800 711 7156, 9.00am – 5:30pm Monday to Friday. They will ensure you get through to the correct claims team and let you know what actions you need to take. If anything happens that might be covered under the policy, you must comply with the obligations set out in General claims conditions, together with the obligations set out under Your obligations in the section or sections under which you are making the claim. Itis important that you read the policy for details of its terms in full. Your covers This isa summary of each section of your policy. See each section for cover details. Cover Insurance amount Excess Annual Premium (exc IPT) Professional indemnity £1,000,000 £1,000 £4,503.25 Legal protection £100,000 £0 £7,027.29 Crisis containment £25,000 - £8,667.64 The figures above are in summary only and are not in addition to the amount insured specified against each cover section below. Hiscox Business Insurance Policy Schedule 14502 10/18 SECTION: PROFESSIONAL INDEMNITY – MANAGEMENT CONSULTANTS Cover start date: 17/11/25 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 dataPage / 2 claims £250,000 in the aggregate, including all costs Business activities Business management consultant Retroactive date 2020-03-10 Insurer Hiscox Insurance Company LimitedPage / 1 Hiscox Insurance Summary of change Introduction This document has been created to help you understand the key changes to your Hiscox Insurance policy and how they may impact you. Your policy continues to offer professional, tailored insurance to protect you and give you peace of mind that if you need us, you will be supported by our award winning claims team. If you have a query not covered by this document, or if you have any questions or concerns about your policy you should contact us. Frequently asked questions What if my circumstances change during the period of insurance? If your circumstances change during the period of insurance, you only need to let us know if the change means that any of the information in the Statement of Fact is no longer true, complete and accurate. If there are no such changes, you do not need to let us know. If any of the information within the Statement of Fact becomes no longer complete, true or accurate at any point during the period of insurance you must tell us as it may affect the validity of the policy or our ability to pay a claim. Additionally, if your contact details change then you should let us know straightaway. Where doI find the limits that apply to my policy? You can find your maximum allowable limits for turnover and wage rollin your Statement of Fact. You must check this information and tell us or your broker if you expect to exceed the maximum amounts shown. Please note these values may have changed. If there are special limits or special excesses applying to particular covers or types of losses these will be shown in the policy schedule. Please check your policy schedule carefully as they may have changed. My new schedule shows a different premium to last year? What has changed? If an underwriter has reviewed your policy then they may have manually adjusted your premium, for example if you’ve had claims in the last 12 months. Where doI find out about any endorsements on my policy? You will be able to see if an endorsement has been applied or removed by reviewing your Policy Schedule. If you have any queries or concerns, please contact us or your broker if you have one. Hiscox Insurance Summary of change Professional indemnity for business management consultants Summary of change Changes to the cover The following table shows the differences between our new policy wordings (5570 WD- PROF-UK-MAN(7), 15579 WD-PROF-UK-MAN-AG(3)) and our previous wordings (5570 WD-PROF-UK-MAN(6), 15579 WD-PROF-UK-MAN-AG(2)). This isa summary of the changes only. You should refer to the schedule and policy wording for the full description of the cover in place. Area of cover Previous policy New policy Improvement in cover Claims against you Advertising claims. We will pay claims arising from your advertising or branding for defamation or infringement of copyright or moral rights. This does not include claims for passing off, unauthorised use of trademarks or false or misleading advertising. Previously cover was not restricted to defamation or the infringement of copyright or moral rights.Covered Amended Your own lossesChanges to ‘what is covered’ Losses from dishonesty. Your losses arising from the dishonesty of your employees, sub-contractors or outsourcers.Covered Not covered Area of cover Previous policy New policy Improvement in cover Cyber incident. We will not pay claims relating to an actual or possible cyber attack, hacker or social engineering communication. Previously we excluded any virus not specifically targeted at your system.Covered Not covered Computer or digital technology error. We will not pay claims arising from any negligent act, error or omission in the operation or maintenance of computer or digital technology such as development, installation, patching or upgrading.Covered Not coveredChanges to ‘what is not covered’ Infrastructure. We will not pay claims arising from the failure of the service provided by internet, telecommunications, utilities or other infrastructure providers.Covered Not covered Hiscox Insurance Summary of change Personal data. We will not pay claims relating to personal data. We will pay such claims where they arise from your performance ofa business activity and which is not otherwise excluded. Subject to the limit shown in the schedule.Covered Not covered Other important changes Control of defence. Under the previous wording we had a duty to defend you against any covered claim brought against you. We now have the right but not the obligation to take control of the conduct of the claim including the appointment of legal representation. Please refer to the policy wording for full details. SOC-PROF-UK-MAN(1) 21367 01/21	H/YB2-Y1X61AM2N6S	(?<=Policy number - )[-\w_\/\.]+?(?= Company name)	17/11/25	(?<=anniversary of your policy is approaching on )[-\w_\/\. ,]+?(?= \.)	null	null	Business	(?<=time to renew your Hiscox )[-\w_\/\. ]+?(?= Insurance)	2024-02-05
hiscox-business-1	Hiscox Business Insurance - Policy number - WFBTJ/-/_EKLDJ_CDVYJ Company name: Carpenter and Sons It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : WFBTJ/-/_EKLDJ_CDVYJ. Company name: Carpenter and Sons. Your Hiscox Insurance premium. Last year’s annual premium: This year’s annual premium. £ 6,952.49. £ 6,952.49. The premium includes all applicable insurance premium tax (IPT). Dear Mrs Nigel Bailey. Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on Tuesday 19 February, 2019 . Good news; if you want cover to continue with us and to make sure you stay protected by our award-winning cover, you do not need to do anything. We will update your policy onto our latest wording and continue to collect payment using the payment details we have for you. You must read the important information contained in this email and the attached documents. Your Hiscox Insurance Premium breakdown. The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). The amount shown as last year’s Annual premium will take into account any changes to the cover which may have been made during the last policy period. Cover. Last year’s annual premium (exc IPT). This year’s annual Premium (exc IPT). Professional indemnity. £1,750.88. £1,750.88. Legal protection. £933.48. £933.48. Crisis containment. £2,404.44. Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy . Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government increase in Insurance Premium Tax as shown. Is our information correct? Your premium and cover are based on what you’ve told us about Carpenter 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 Tuesday 19 February, 2019 . We’re here between 8:30am - 5:30pm Monday to Friday . Please note that we can only discuss policy changes with people named on the policy. Why renew with Hiscox. - Reassuring: we offer a range of cover options that can be tailored to your needs. - Flexible: we offer full flexibility to change your policy, with no administration fees . - Award-winning cover : we’ve been named Best Small Business Insurer 7 years running by Start Your Business Magazine . Please click this link for the Hiscox Referral Portal: https://refer.aklamio.com/hiscox/uk?source=postpurchase. Thank you again for choosing Hiscox to insure your business. We hope you and your business have a very successful year. Kind regards. Jon Dye. CEO, Hiscox UK. Business Insurance for the small and the brave. To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre. Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. This email and any files transmitted with it are confidential and intended solely for the use of the individual or entity to whom they are addressed. No one else is authorised to distribute, forward, print, copy or act upon any information contained in this email. If you have received this email in error, please notify the sender. Hiscox Syndicates Limited and Hiscox Insurance Company Limited are authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Hiscox Underwriting Limited, Hiscox Underwriting Services Ltd, Hiscox MGA Ltd and Hiscox ASM Ltd are authorised and regulated by the Financial Conduct Authority. Hiscox Assure SAS is duly registered as an insurance broker with the ORIAS, which is the French Official Registry of Insurance Intermediaries. Hiscox plc is a company registered in England and Wales under company registration number 2837811 and registered office at 1 Great St Helen's, London EC3A 6HX. Hiscox SA is a company registered in Luxembourg at 35 Avenue John F. Kennedy 35F, Luxembourg L-1855, and is authorised by the Commissariat aux Assurances de Luxembourg. It’s time to renew your Hiscox Business Insurance Hiscox Insurance policy number : WFBTJ/-/_EKLDJ_CDVYJ Company name: Carpenter and Sons . It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : WFBTJ/-/_EKLDJ_CDVYJ Company name: Carpenter 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). £ 6,952.49 £ 6,952.49 . Your Hiscox Insurance premium . Last year’s annual premium: This year’s annual premium £ 6,952.49 £ 6,952.49 . The premium includes all applicable insurance premium tax (IPT). Dear Mrs Nigel Bailey . Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on Tuesday 19 February, 2019 . Good news; if you want cover to continue with us and to make sure you stay protected by our award-winning cover, you do not need to do anything. We will update your policy onto our latest wording and continue to collect payment using the payment details we have for you. You must read the important information contained in this email and the attached documents Your Hiscox Insurance Premium breakdown The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). The amount shown as last year’s Annual premium will take into account any changes to the cover which may have been made during the last policy period. Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) Professional indemnity £1,750.88 £1,750.88 Legal protection £933.48 £933.48 Crisis containment £2,404.44 Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government increase in Insurance Premium Tax as shown. Is our information correct? Your premium and cover are based on what you’ve told us about Carpenter 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 Tuesday 19 February, 2019 . We’re here between 8:30am - 5:30pm Monday to Friday . Please note that we can only discuss policy changes with people named on the policy. Why renew with Hiscox - Reassuring: we offer a range of cover options that can be tailored to your needs - Flexible: we offer full flexibility to change your policy, with no administration fees - Award-winning cover : we’ve been named Best Small Business Insurer 7 years running by Start Your Business Magazine Please click this link for the Hiscox Referral Portal: https://refer.aklamio.com/hiscox/uk?source=postpurchase Thank you again for choosing Hiscox to insure your business. We hope you and your business have a very successful year. Kind regards Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on Tuesday 19 February, 2019 . Good news; if you want cover to continue with us and to make sure you stay protected by our award-winning cover, you do not need to do anything. We will update your policy onto our latest wording and continue to collect payment using the payment details we have for you. You must read the important information contained in this email and the attached documents Your Hiscox Insurance Premium breakdown The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). The amount shown as last year’s Annual premium will take into account any changes to the cover which may have been made during the last policy period. Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) Professional indemnity £1,750.88 £1,750.88 Legal protection £933.48 £933.48 Crisis containment £2,404.44 Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government increase in Insurance Premium Tax as shown. Is our information correct? Your premium and cover are based on what you’ve told us about Carpenter 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 Tuesday 19 February, 2019 . We’re here between 8:30am - 5:30pm Monday to Friday . Please note that we can only discuss policy changes with people named on the policy. Why renew with Hiscox - Reassuring: we offer a range of cover options that can be tailored to your needs - Flexible: we offer full flexibility to change your policy, with no administration fees - Award-winning cover : we’ve been named Best Small Business Insurer 7 years running by Start Your Business Magazine Please click this link for the Hiscox Referral Portal: https://refer.aklamio.com/hiscox/uk?source=postpurchase Thank you again for choosing Hiscox to insure your business. We hope you and your business have a very successful year. Kind regards Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Your Hiscox Insurance Premium breakdown The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). Cover Professional indemnity Legal protection Crisis containment . Last year’s annual premium (exc IPT) £1,750.88 £933.48 £2,404.44 . This year’s annual Premium (exc IPT) £1,750.88 £933.48 . Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) . Professional indemnity £1,750.88 £1,750.88 . Legal protection £933.48 £933.48 . Crisis containment £2,404.44 . Kind regards Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre . Kind regards . Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave . To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre . Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Page / 1 Hiscox Business Insurance Policy wording 17431a - DC565 WORDING 04/17Guide to sectionsIntroduction Policy wordings General terms and conditions Professional indemnity for business management consultants Legal protection Crisis containment Hiscox Business Insurance Policy wording 17431a - DC565 WORDING 04/17IntroductionThank you for choosing Hiscox to protect your business. We hope that the language and layout of this policy wording are clear because we want you to understand the insurance we provide as well as the responsibilities we have to each other. Please read this document, including the policy schedule, policy summary and statement of fact, and let us know as soon as possible if any of the details are shown incorrectly. We always try to deliver to the highest standards of service. Your views are important to us, so if you feel that our service is below the standard you would expect from Hiscox, please contact us on the phone number shown in your policy schedule. Please note that some of the words we use in this insurance are shown in bold type. These words are defined in each section of the wording. Page / 1 Hiscox Insurance Payment schedule Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Thank you for continuing to pay for your policy by Direct Debit. Please check these details and let us know if anything is incorrect or if the schedule is not suitable. Your reference details Account holder name: Nigel 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 24/11/2024 £6,952.49 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: WFBTJ/-/_EKLDJ_CDVYJ If you have any questions about your policy or payments, please call us on 0800 280 0351. We’re here between 8:30am - 5:30pm Monday to Friday or you can email us at service@hiscox.co.uk. Using your personal information Hiscox isa trading name ofa number of Hiscox companies. The specific company acting asa data controller of your personal information will be listed in the documentation we provide to you. If you are unsure you can also contact us at anytime by telephoning 01904 681198 or by emailing us at dataprotectionofficer@hiscox.com. We collect and process information about you in order to provide insurance policies and to process claims. Your information is also used for business purposes such as fraud prevention and detection and financial management. This may involve sharing your information with, and obtaining information about you from, our group companies and third parties such as brokers, loss adjusters, credit reference agencies, service providers, professional advisors, our regulators or fraud prevention agencies. We may record telephone calls to help us monitor and improve the service we provide. For further information on how your information is used and your rights in relation to your information please see our privacy policy at www.hiscox.co.uk/cookies-privacy. The Direct Debit Guarantee This Guarantee is offered by all banks and building societies that accept instructions to pay Direct Debits. If there are any changes to the amount, date or frequency of your Direct Debit Hiscox Underwriting Ltd will notify you ten working days in advance of your account being debited or as otherwise agreed. If you request Hiscox Underwriting Ltd to collect a payment, confirmation of the amount and date will be given to you at the time of the request. If an error is made in the payment of your Direct Debit by Hiscox Underwriting Ltd or your bank or building society you are entitled to a full and immediate refund of the amount paid from your bank or building society. – If you receive a refund you are not entitled to, you must pay it back when Hiscox Underwriting Ltd asks you to. You can cancel a Direct Debit at anytime by simply contacting your bank or building society. Written confirmation maybe required. Please also notify us. Page / 1 Hiscox Business Insurance Policy summary JAC-PSC-UK-DC556(5.4) 17431b 07/20 Your Hiscox Business Insurance policy summaries This document contains the summaries for any policy covers you have selected to protect your business. These summaries outline the key information about your policies so you can be confident that you have understood what you have bought and what you are covered for. However, you should carefully read your policy in full and ensure that you understand its terms and conditions in full. If you have any queries, you should contact Hiscox or your insurance advisor. Your side of the bargain Remember, your premium and insurance are based on the details you have provided to us. Please make sure this information accurately reflects your business and that you inform us immediately if anything needs to change. Please also tell us of any changes in circumstances that may affect the services provided by us or the cover provided by your policy. This is particularly important before taking out a policy, but it also applies throughout the life of the policy too. You need to consider: ■if you fail to fairly present the risk to us, including by failing to disclose any information material to the insurance, you could invalidate the policy, claims may not be paid or the amount we pay maybe reduced; ■you should read and check all insurance documents to ensure that you are aware of the cover, limits and other terms that apply; ■if you fail to let us know of any changes to your circumstances during the period of insurance or, if when telling us about such changes you fail to present the risk to us fairly, you could invalidate the policy, claims may not be paid or the amount we pay maybe reduced; ■please be aware of all terms and conditions of your policy because failure to comply with them could invalidate it or result in us not paying a claim or reducing the amount we pay; ■in the event ofa claim, you should take note of the required procedures, such as giving Hiscox prompt notice of the claims, as stated in the policy documentation. In particular, if you fail to notify us when you first become aware ofa shortcoming, fact, or problem, admit you are liable for what has happened or appoint solicitors or other legal representation without our prior written approval, claims or defence costs may not be paid or the amount we pay maybe reduced; ■as with any insurance, you have an obligation to take reasonable steps to mitigate any loss or liability; ■if you make a fraudulent claim or try to deceive us, we may terminate the policy. Policy length The period of insurance is shown on your policy schedule. Your policy schedule will also show if the policy is ona continuing cover basis. If itis ona continuing cover basis, we will renew your policy each year for another 12 months and continue to take payment (including any premium adjustment shown in your renewal invitation) using your existing arrangement, unless you tell us otherwise or if your risk changes. If your policy schedule does not show that the policy is ona continuing cover basis, cover will cease at the end of the period of insurance, unless you renew your policy with us. We will provide you witha statement of fact each year and provided that the information contained within the statement of fact is true, complete and accurate, you do not need to provide us with any further information. If any of the information in your statement of fact is not true, complete and accurate, you must let us know. If you do not let us know, it may affect the validity of the policy or our ability to pay a claim. Retroactive dates, geographical and jurisdiction limits Where any section of your policy schedule includes a retroactive date, we will not make any payment for any claim or loss under that section which arises from any activity performed or any act, incident or occurrence taking place, before the retroactive date. Where any section of your policy schedule shows the geographical limits which apply to that section of the policy, we will only pay for claims and losses under that section which arise from activities performed or acts, incidents or occurrences taking place within those geographical limits. Where any section provides cover in respect of your liability to third parties, we will only cover claims first made ina country within the applicable courts stated in that section of your policy schedule. Hiscox Business Insurance Policy summary JAC-PSC-UK-DC556(5.4) 17431b 07/20 Cancellation rights You can cancel this policy by giving us 30 days' notice. You will only be charged for the premiums due up to the date of cancellation. If we need to cancel the policy, we’ll give you 30 days’ notice in writing and refund any surplus premiums you might have paid. Please note – we may deduct an administration fee from any refunded payment.There is an exception to our 30-day notice period, which is triggered when we don’t receive your Direct Debit payments within the agreed 14-day period. At this point, we will contact you as soon as possible and stop the policyPage / 2 immediately. Underwritten by:Hiscox Underwriting Ltd on behalf of the insurers named in the schedule. Page / 1 Certificate of professional indemnity insurance Carpenter 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:WFBTJ/-/_EKLDJ_CDVYJ Name of policy holder:Carpenter and Sons Period of insurance: From Tuesday 19 February, 2019 to 2025-08-20 both days inclusive. This policy isa Continuing cover policy Insurer: Hiscox Insurance Company Limited Retroactive date: Mon 17 January, 2022 Level of cover:£1,000,000 Signed on behalf of Hiscox Underwriting Limited as agent for the insurers Jon Dye CEO, Hiscox UK Notes: (a) This insurance is subject to policy terms and conditions and any special terms notified to the InsuredPage / 1 Hiscox Business Insurance Policy Schedule 14502 10/18 This schedule tells you what is insured with us. It should be read carefully with your policy wording(s) and statement of fact detailed elsewhere in this document. Schedule effective date: Tuesday 19 February, 2019 Insurance details Policy number: WFBTJ/-/_EKLDJ_CDVYJ Period of insurance: From Tuesday 19 February, 2019 to 2025-08-20 both days inclusive. This policy isa Continuing cover policy. Insured: Carpenter and Sons Address: 108 Parry ford East Kathleen FARNHAM M9U 7GB Additional insureds: None Business: Management Consultants Premium details Charged premium – the total amount you’ll pay for this policy. Charged premium: £4,834.91 Insurance Premium Tax (IPT): £7,191.76 Total charged premium: £6,952.49 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: £4,834.91 Insurance Premium Tax (IPT): £7,191.76 Annual total: £6,952.49 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 £1,750.88 Legal protection £100,000 £0 £933.48 Crisis containment £25,000 - £2,404.44 The figures above are in summary only and are not in addition to the amount insured specified against each cover section below. Hiscox Business Insurance Policy Schedule 14502 10/18 SECTION: PROFESSIONAL INDEMNITY – MANAGEMENT CONSULTANTS Cover start date: Tuesday 19 February, 2019 Limit of indemnity £1,000,000 Limit applies to in the aggregate, including all costs Excess £1,000 Excess applies to each and every claim or loss, including all costs Geographical limits Worldwide Applicable courts Worldwide (excluding United States of America and Canada) Claims brought in USA or Canada Not covered Additional covers (in addition to overall limit of indemnity stated above) Cover Limit of indemnity Limit applies to Court attendance compensation - employees £250 per person, per day Court attendance compensation - directors and partners£500 per person, per day Court attendance compensation: in total £100,000 in the aggregate Special limits (included within not in addition to the overall limit of indemnity stated above) Cover Limit of indemnity Limit applies to Personal dataPage / 2 claims £250,000 in the aggregate, including all costs Business activities Business management consultant Retroactive date Mon 17 January, 2022 Insurer Hiscox Insurance Company LimitedPage / 1 Hiscox Insurance Summary of change Introduction This document has been created to help you understand the key changes to your Hiscox Insurance policy and how they may impact you. Your policy continues to offer professional, tailored insurance to protect you and give you peace of mind that if you need us, you will be supported by our award winning claims team. If you have a query not covered by this document, or if you have any questions or concerns about your policy you should contact us. Frequently asked questions What if my circumstances change during the period of insurance? If your circumstances change during the period of insurance, you only need to let us know if the change means that any of the information in the Statement of Fact is no longer true, complete and accurate. If there are no such changes, you do not need to let us know. If any of the information within the Statement of Fact becomes no longer complete, true or accurate at any point during the period of insurance you must tell us as it may affect the validity of the policy or our ability to pay a claim. Additionally, if your contact details change then you should let us know straightaway. Where doI find the limits that apply to my policy? You can find your maximum allowable limits for turnover and wage rollin your Statement of Fact. You must check this information and tell us or your broker if you expect to exceed the maximum amounts shown. Please note these values may have changed. If there are special limits or special excesses applying to particular covers or types of losses these will be shown in the policy schedule. Please check your policy schedule carefully as they may have changed. My new schedule shows a different premium to last year? What has changed? If an underwriter has reviewed your policy then they may have manually adjusted your premium, for example if you’ve had claims in the last 12 months. Where doI find out about any endorsements on my policy? You will be able to see if an endorsement has been applied or removed by reviewing your Policy Schedule. If you have any queries or concerns, please contact us or your broker if you have one. Hiscox Insurance Summary of change Professional indemnity for business management consultants Summary of change Changes to the cover The following table shows the differences between our new policy wordings (5570 WD- PROF-UK-MAN(7), 15579 WD-PROF-UK-MAN-AG(3)) and our previous wordings (5570 WD-PROF-UK-MAN(6), 15579 WD-PROF-UK-MAN-AG(2)). This isa summary of the changes only. You should refer to the schedule and policy wording for the full description of the cover in place. Area of cover Previous policy New policy Improvement in cover Claims against you Advertising claims. We will pay claims arising from your advertising or branding for defamation or infringement of copyright or moral rights. This does not include claims for passing off, unauthorised use of trademarks or false or misleading advertising. Previously cover was not restricted to defamation or the infringement of copyright or moral rights.Covered Amended Your own lossesChanges to ‘what is covered’ Losses from dishonesty. Your losses arising from the dishonesty of your employees, sub-contractors or outsourcers.Covered Not covered Area of cover Previous policy New policy Improvement in cover Cyber incident. We will not pay claims relating to an actual or possible cyber attack, hacker or social engineering communication. Previously we excluded any virus not specifically targeted at your system.Covered Not covered Computer or digital technology error. We will not pay claims arising from any negligent act, error or omission in the operation or maintenance of computer or digital technology such as development, installation, patching or upgrading.Covered Not coveredChanges to ‘what is not covered’ Infrastructure. We will not pay claims arising from the failure of the service provided by internet, telecommunications, utilities or other infrastructure providers.Covered Not covered Hiscox Insurance Summary of change Personal data. We will not pay claims relating to personal data. We will pay such claims where they arise from your performance ofa business activity and which is not otherwise excluded. Subject to the limit shown in the schedule.Covered Not covered Other important changes Control of defence. Under the previous wording we had a duty to defend you against any covered claim brought against you. We now have the right but not the obligation to take control of the conduct of the claim including the appointment of legal representation. Please refer to the policy wording for full details. SOC-PROF-UK-MAN(1) 21367 01/21	WFBTJ/-/_EKLDJ_CDVYJ	(?<=Policy number - )[-\w_\/\.]+?(?= Company name)	Tuesday 19 February, 2019	(?<=anniversary of your policy is approaching on )[-\w_\/\. ,]+?(?= \.)	null	null	Business	(?<=time to renew your Hiscox )[-\w_\/\. ]+?(?= Insurance)	2024-02-05
hiscox-business-1	Hiscox Business Insurance - Policy number - 7LX/B0931UW-07NF.7T0L Company name: Moore-Walker It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : 7LX/B0931UW-07NF.7T0L. Company name: Moore-Walker. Your Hiscox Insurance premium. Last year’s annual premium: This year’s annual premium. £ 5,104.81. £ 5,104.81. The premium includes all applicable insurance premium tax (IPT). Dear Dr Dr Chelsea Harris. Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 2020-03-18 . Good news; if you want cover to continue with us and to make sure you stay protected by our award-winning cover, you do not need to do anything. We will update your policy onto our latest wording and continue to collect payment using the payment details we have for you. You must read the important information contained in this email and the attached documents. Your Hiscox Insurance Premium breakdown. The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). The amount shown as last year’s Annual premium will take into account any changes to the cover which may have been made during the last policy period. Cover. Last year’s annual premium (exc IPT). This year’s annual Premium (exc IPT). Professional indemnity. £20.98. £20.98. Legal protection. £7,608.67. £7,608.67. Crisis containment. £731.51. Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy . Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government increase in Insurance Premium Tax as shown. Is our information correct? Your premium and cover are based on what you’ve told us about Moore-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 2020-03-18 . We’re here between 8:30am - 5:30pm Monday to Friday . Please note that we can only discuss policy changes with people named on the policy. Why renew with Hiscox. - Reassuring: we offer a range of cover options that can be tailored to your needs. - Flexible: we offer full flexibility to change your policy, with no administration fees . - Award-winning cover : we’ve been named Best Small Business Insurer 7 years running by Start Your Business Magazine . Please click this link for the Hiscox Referral Portal: https://refer.aklamio.com/hiscox/uk?source=postpurchase. Thank you again for choosing Hiscox to insure your business. We hope you and your business have a very successful year. Kind regards. Jon Dye. CEO, Hiscox UK. Business Insurance for the small and the brave. To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre. Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. This email and any files transmitted with it are confidential and intended solely for the use of the individual or entity to whom they are addressed. No one else is authorised to distribute, forward, print, copy or act upon any information contained in this email. If you have received this email in error, please notify the sender. Hiscox Syndicates Limited and Hiscox Insurance Company Limited are authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Hiscox Underwriting Limited, Hiscox Underwriting Services Ltd, Hiscox MGA Ltd and Hiscox ASM Ltd are authorised and regulated by the Financial Conduct Authority. Hiscox Assure SAS is duly registered as an insurance broker with the ORIAS, which is the French Official Registry of Insurance Intermediaries. Hiscox plc is a company registered in England and Wales under company registration number 2837811 and registered office at 1 Great St Helen's, London EC3A 6HX. Hiscox SA is a company registered in Luxembourg at 35 Avenue John F. Kennedy 35F, Luxembourg L-1855, and is authorised by the Commissariat aux Assurances de Luxembourg. It’s time to renew your Hiscox Business Insurance Hiscox Insurance policy number : 7LX/B0931UW-07NF.7T0L Company name: Moore-Walker . It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : 7LX/B0931UW-07NF.7T0L Company name: Moore-Walker . Your Hiscox Insurance premium Last year’s annual premium: This year’s annual premium The premium includes all applicable insurance premium tax (IPT). £ 5,104.81 £ 5,104.81 . Your Hiscox Insurance premium . Last year’s annual premium: This year’s annual premium £ 5,104.81 £ 5,104.81 . The premium includes all applicable insurance premium tax (IPT). Dear Dr Dr Chelsea Harris . Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 2020-03-18 . Good news; if you want cover to continue with us and to make sure you stay protected by our award-winning cover, you do not need to do anything. We will update your policy onto our latest wording and continue to collect payment using the payment details we have for you. You must read the important information contained in this email and the attached documents Your Hiscox Insurance Premium breakdown The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). The amount shown as last year’s Annual premium will take into account any changes to the cover which may have been made during the last policy period. Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) Professional indemnity £20.98 £20.98 Legal protection £7,608.67 £7,608.67 Crisis containment £731.51 Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government increase in Insurance Premium Tax as shown. Is our information correct? Your premium and cover are based on what you’ve told us about Moore-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 2020-03-18 . We’re here between 8:30am - 5:30pm Monday to Friday . Please note that we can only discuss policy changes with people named on the policy. Why renew with Hiscox - Reassuring: we offer a range of cover options that can be tailored to your needs - Flexible: we offer full flexibility to change your policy, with no administration fees - Award-winning cover : we’ve been named Best Small Business Insurer 7 years running by Start Your Business Magazine Please click this link for the Hiscox Referral Portal: https://refer.aklamio.com/hiscox/uk?source=postpurchase Thank you again for choosing Hiscox to insure your business. We hope you and your business have a very successful year. Kind regards Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 2020-03-18 . Good news; if you want cover to continue with us and to make sure you stay protected by our award-winning cover, you do not need to do anything. We will update your policy onto our latest wording and continue to collect payment using the payment details we have for you. You must read the important information contained in this email and the attached documents Your Hiscox Insurance Premium breakdown The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). The amount shown as last year’s Annual premium will take into account any changes to the cover which may have been made during the last policy period. Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) Professional indemnity £20.98 £20.98 Legal protection £7,608.67 £7,608.67 Crisis containment £731.51 Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government increase in Insurance Premium Tax as shown. Is our information correct? Your premium and cover are based on what you’ve told us about Moore-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 2020-03-18 . We’re here between 8:30am - 5:30pm Monday to Friday . Please note that we can only discuss policy changes with people named on the policy. Why renew with Hiscox - Reassuring: we offer a range of cover options that can be tailored to your needs - Flexible: we offer full flexibility to change your policy, with no administration fees - Award-winning cover : we’ve been named Best Small Business Insurer 7 years running by Start Your Business Magazine Please click this link for the Hiscox Referral Portal: https://refer.aklamio.com/hiscox/uk?source=postpurchase Thank you again for choosing Hiscox to insure your business. We hope you and your business have a very successful year. Kind regards Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Your Hiscox Insurance Premium breakdown The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). Cover Professional indemnity Legal protection Crisis containment . Last year’s annual premium (exc IPT) £20.98 £7,608.67 £731.51 . This year’s annual Premium (exc IPT) £20.98 £7,608.67 . Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) . Professional indemnity £20.98 £20.98 . Legal protection £7,608.67 £7,608.67 . Crisis containment £731.51 . Kind regards Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre . Kind regards . Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave . To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre . Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Page / 1 Hiscox Business Insurance Policy wording 17431a - DC565 WORDING 04/17Guide to sectionsIntroduction Policy wordings General terms and conditions Professional indemnity for business management consultants Legal protection Crisis containment Hiscox Business Insurance Policy wording 17431a - DC565 WORDING 04/17IntroductionThank you for choosing Hiscox to protect your business. We hope that the language and layout of this policy wording are clear because we want you to understand the insurance we provide as well as the responsibilities we have to each other. Please read this document, including the policy schedule, policy summary and statement of fact, and let us know as soon as possible if any of the details are shown incorrectly. We always try to deliver to the highest standards of service. Your views are important to us, so if you feel that our service is below the standard you would expect from Hiscox, please contact us on the phone number shown in your policy schedule. Please note that some of the words we use in this insurance are shown in bold type. These words are defined in each section of the wording. Page / 1 Hiscox Insurance Payment schedule Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Thank you for continuing to pay for your policy by Direct Debit. Please check these details and let us know if anything is incorrect or if the schedule is not suitable. Your reference details Account holder name: Dr Chelsea Harris Frequency of collection: Annual Sort code: %BANK_SORT_CODE_1% Account number: %BANK_ACCOUNT_NUMBER_1% Your Direct Debit schedule We will take payments on the dates outlined below: Date Amount 2021-03-26 £5,104.81 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: 7LX/B0931UW-07NF.7T0L If you have any questions about your policy or payments, please call us on 0800 280 0351. We’re here between 8:30am - 5:30pm Monday to Friday or you can email us at service@hiscox.co.uk. Using your personal information Hiscox isa trading name ofa number of Hiscox companies. The specific company acting asa data controller of your personal information will be listed in the documentation we provide to you. If you are unsure you can also contact us at anytime by telephoning 01904 681198 or by emailing us at dataprotectionofficer@hiscox.com. We collect and process information about you in order to provide insurance policies and to process claims. Your information is also used for business purposes such as fraud prevention and detection and financial management. This may involve sharing your information with, and obtaining information about you from, our group companies and third parties such as brokers, loss adjusters, credit reference agencies, service providers, professional advisors, our regulators or fraud prevention agencies. We may record telephone calls to help us monitor and improve the service we provide. For further information on how your information is used and your rights in relation to your information please see our privacy policy at www.hiscox.co.uk/cookies-privacy. The Direct Debit Guarantee This Guarantee is offered by all banks and building societies that accept instructions to pay Direct Debits. If there are any changes to the amount, date or frequency of your Direct Debit Hiscox Underwriting Ltd will notify you ten working days in advance of your account being debited or as otherwise agreed. If you request Hiscox Underwriting Ltd to collect a payment, confirmation of the amount and date will be given to you at the time of the request. If an error is made in the payment of your Direct Debit by Hiscox Underwriting Ltd or your bank or building society you are entitled to a full and immediate refund of the amount paid from your bank or building society. – If you receive a refund you are not entitled to, you must pay it back when Hiscox Underwriting Ltd asks you to. You can cancel a Direct Debit at anytime by simply contacting your bank or building society. Written confirmation maybe required. Please also notify us. Page / 1 Hiscox Business Insurance Policy summary JAC-PSC-UK-DC556(5.4) 17431b 07/20 Your Hiscox Business Insurance policy summaries This document contains the summaries for any policy covers you have selected to protect your business. These summaries outline the key information about your policies so you can be confident that you have understood what you have bought and what you are covered for. However, you should carefully read your policy in full and ensure that you understand its terms and conditions in full. If you have any queries, you should contact Hiscox or your insurance advisor. Your side of the bargain Remember, your premium and insurance are based on the details you have provided to us. Please make sure this information accurately reflects your business and that you inform us immediately if anything needs to change. Please also tell us of any changes in circumstances that may affect the services provided by us or the cover provided by your policy. This is particularly important before taking out a policy, but it also applies throughout the life of the policy too. You need to consider: ■if you fail to fairly present the risk to us, including by failing to disclose any information material to the insurance, you could invalidate the policy, claims may not be paid or the amount we pay maybe reduced; ■you should read and check all insurance documents to ensure that you are aware of the cover, limits and other terms that apply; ■if you fail to let us know of any changes to your circumstances during the period of insurance or, if when telling us about such changes you fail to present the risk to us fairly, you could invalidate the policy, claims may not be paid or the amount we pay maybe reduced; ■please be aware of all terms and conditions of your policy because failure to comply with them could invalidate it or result in us not paying a claim or reducing the amount we pay; ■in the event ofa claim, you should take note of the required procedures, such as giving Hiscox prompt notice of the claims, as stated in the policy documentation. In particular, if you fail to notify us when you first become aware ofa shortcoming, fact, or problem, admit you are liable for what has happened or appoint solicitors or other legal representation without our prior written approval, claims or defence costs may not be paid or the amount we pay maybe reduced; ■as with any insurance, you have an obligation to take reasonable steps to mitigate any loss or liability; ■if you make a fraudulent claim or try to deceive us, we may terminate the policy. Policy length The period of insurance is shown on your policy schedule. Your policy schedule will also show if the policy is ona continuing cover basis. If itis ona continuing cover basis, we will renew your policy each year for another 12 months and continue to take payment (including any premium adjustment shown in your renewal invitation) using your existing arrangement, unless you tell us otherwise or if your risk changes. If your policy schedule does not show that the policy is ona continuing cover basis, cover will cease at the end of the period of insurance, unless you renew your policy with us. We will provide you witha statement of fact each year and provided that the information contained within the statement of fact is true, complete and accurate, you do not need to provide us with any further information. If any of the information in your statement of fact is not true, complete and accurate, you must let us know. If you do not let us know, it may affect the validity of the policy or our ability to pay a claim. Retroactive dates, geographical and jurisdiction limits Where any section of your policy schedule includes a retroactive date, we will not make any payment for any claim or loss under that section which arises from any activity performed or any act, incident or occurrence taking place, before the retroactive date. Where any section of your policy schedule shows the geographical limits which apply to that section of the policy, we will only pay for claims and losses under that section which arise from activities performed or acts, incidents or occurrences taking place within those geographical limits. Where any section provides cover in respect of your liability to third parties, we will only cover claims first made ina country within the applicable courts stated in that section of your policy schedule. Hiscox Business Insurance Policy summary JAC-PSC-UK-DC556(5.4) 17431b 07/20 Cancellation rights You can cancel this policy by giving us 30 days' notice. You will only be charged for the premiums due up to the date of cancellation. If we need to cancel the policy, we’ll give you 30 days’ notice in writing and refund any surplus premiums you might have paid. Please note – we may deduct an administration fee from any refunded payment.There is an exception to our 30-day notice period, which is triggered when we don’t receive your Direct Debit payments within the agreed 14-day period. At this point, we will contact you as soon as possible and stop the policyPage / 2 immediately. Underwritten by:Hiscox Underwriting Ltd on behalf of the insurers named in the schedule. Page / 1 Certificate of professional indemnity insurance Moore-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:7LX/B0931UW-07NF.7T0L Name of policy holder:Moore-Walker Period of insurance: From 2020-03-18 to 25 November, 2020 both days inclusive. This policy isa Continuing cover policy Insurer: Hiscox Insurance Company Limited Retroactive date: 2025-05-17 Level of cover:£1,000,000 Signed on behalf of Hiscox Underwriting Limited as agent for the insurers Jon Dye CEO, Hiscox UK Notes: (a) This insurance is subject to policy terms and conditions and any special terms notified to the InsuredPage / 1 Hiscox Business Insurance Policy Schedule 14502 10/18 This schedule tells you what is insured with us. It should be read carefully with your policy wording(s) and statement of fact detailed elsewhere in this document. Schedule effective date: 2020-03-18 Insurance details Policy number: 7LX/B0931UW-07NF.7T0L Period of insurance: From 2020-03-18 to 25 November, 2020 both days inclusive. This policy isa Continuing cover policy. Insured: Moore-Walker Address: 50 Mahmood common Hodgsonchester FARNHAM GU9E 2BJ Additional insureds: None Business: Management Consultants Premium details Charged premium – the total amount you’ll pay for this policy. Charged premium: £8,090.58 Insurance Premium Tax (IPT): £5,653.52 Total charged premium: £5,104.81 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: £8,090.58 Insurance Premium Tax (IPT): £5,653.52 Annual total: £5,104.81 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 £20.98 Legal protection £100,000 £0 £7,608.67 Crisis containment £25,000 - £731.51 The figures above are in summary only and are not in addition to the amount insured specified against each cover section below. Hiscox Business Insurance Policy Schedule 14502 10/18 SECTION: PROFESSIONAL INDEMNITY – MANAGEMENT CONSULTANTS Cover start date: 2020-03-18 Limit of indemnity £1,000,000 Limit applies to in the aggregate, including all costs Excess £1,000 Excess applies to each and every claim or loss, including all costs Geographical limits Worldwide Applicable courts Worldwide (excluding United States of America and Canada) Claims brought in USA or Canada Not covered Additional covers (in addition to overall limit of indemnity stated above) Cover Limit of indemnity Limit applies to Court attendance compensation - employees £250 per person, per day Court attendance compensation - directors and partners£500 per person, per day Court attendance compensation: in total £100,000 in the aggregate Special limits (included within not in addition to the overall limit of indemnity stated above) Cover Limit of indemnity Limit applies to Personal dataPage / 2 claims £250,000 in the aggregate, including all costs Business activities Business management consultant Retroactive date 2025-05-17 Insurer Hiscox Insurance Company LimitedPage / 1 Hiscox Insurance Summary of change Introduction This document has been created to help you understand the key changes to your Hiscox Insurance policy and how they may impact you. Your policy continues to offer professional, tailored insurance to protect you and give you peace of mind that if you need us, you will be supported by our award winning claims team. If you have a query not covered by this document, or if you have any questions or concerns about your policy you should contact us. Frequently asked questions What if my circumstances change during the period of insurance? If your circumstances change during the period of insurance, you only need to let us know if the change means that any of the information in the Statement of Fact is no longer true, complete and accurate. If there are no such changes, you do not need to let us know. If any of the information within the Statement of Fact becomes no longer complete, true or accurate at any point during the period of insurance you must tell us as it may affect the validity of the policy or our ability to pay a claim. Additionally, if your contact details change then you should let us know straightaway. Where doI find the limits that apply to my policy? You can find your maximum allowable limits for turnover and wage rollin your Statement of Fact. You must check this information and tell us or your broker if you expect to exceed the maximum amounts shown. Please note these values may have changed. If there are special limits or special excesses applying to particular covers or types of losses these will be shown in the policy schedule. Please check your policy schedule carefully as they may have changed. My new schedule shows a different premium to last year? What has changed? If an underwriter has reviewed your policy then they may have manually adjusted your premium, for example if you’ve had claims in the last 12 months. Where doI find out about any endorsements on my policy? You will be able to see if an endorsement has been applied or removed by reviewing your Policy Schedule. If you have any queries or concerns, please contact us or your broker if you have one. Hiscox Insurance Summary of change Professional indemnity for business management consultants Summary of change Changes to the cover The following table shows the differences between our new policy wordings (5570 WD- PROF-UK-MAN(7), 15579 WD-PROF-UK-MAN-AG(3)) and our previous wordings (5570 WD-PROF-UK-MAN(6), 15579 WD-PROF-UK-MAN-AG(2)). This isa summary of the changes only. You should refer to the schedule and policy wording for the full description of the cover in place. Area of cover Previous policy New policy Improvement in cover Claims against you Advertising claims. We will pay claims arising from your advertising or branding for defamation or infringement of copyright or moral rights. This does not include claims for passing off, unauthorised use of trademarks or false or misleading advertising. Previously cover was not restricted to defamation or the infringement of copyright or moral rights.Covered Amended Your own lossesChanges to ‘what is covered’ Losses from dishonesty. Your losses arising from the dishonesty of your employees, sub-contractors or outsourcers.Covered Not covered Area of cover Previous policy New policy Improvement in cover Cyber incident. We will not pay claims relating to an actual or possible cyber attack, hacker or social engineering communication. Previously we excluded any virus not specifically targeted at your system.Covered Not covered Computer or digital technology error. We will not pay claims arising from any negligent act, error or omission in the operation or maintenance of computer or digital technology such as development, installation, patching or upgrading.Covered Not coveredChanges to ‘what is not covered’ Infrastructure. We will not pay claims arising from the failure of the service provided by internet, telecommunications, utilities or other infrastructure providers.Covered Not covered Hiscox Insurance Summary of change Personal data. We will not pay claims relating to personal data. We will pay such claims where they arise from your performance ofa business activity and which is not otherwise excluded. Subject to the limit shown in the schedule.Covered Not covered Other important changes Control of defence. Under the previous wording we had a duty to defend you against any covered claim brought against you. We now have the right but not the obligation to take control of the conduct of the claim including the appointment of legal representation. Please refer to the policy wording for full details. SOC-PROF-UK-MAN(1) 21367 01/21	7LX/B0931UW-07NF.7T0L	(?<=Policy number - )[-\w_\/\.]+?(?= Company name)	2020-03-18	(?<=anniversary of your policy is approaching on )[-\w_\/\. ,]+?(?= \.)	null	null	Business	(?<=time to renew your Hiscox )[-\w_\/\. ]+?(?= Insurance)	2024-02-05
hiscox-business-1	Hiscox Business Insurance - Policy number - END9EBFMVUAAEAC2V/C7L Company name: Osborne Inc It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : END9EBFMVUAAEAC2V/C7L. Company name: Osborne Inc. Your Hiscox Insurance premium. Last year’s annual premium: This year’s annual premium. £ 4,545.89. £ 4,545.89. The premium includes all applicable insurance premium tax (IPT). Dear Mrs Stewart Houghton. Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 2021-07-25 . Good news; if you want cover to continue with us and to make sure you stay protected by our award-winning cover, you do not need to do anything. We will update your policy onto our latest wording and continue to collect payment using the payment details we have for you. You must read the important information contained in this email and the attached documents. Your Hiscox Insurance Premium breakdown. The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). The amount shown as last year’s Annual premium will take into account any changes to the cover which may have been made during the last policy period. Cover. Last year’s annual premium (exc IPT). This year’s annual Premium (exc IPT). Professional indemnity. £7,559.59. £7,559.59. Legal protection. £701.88. £701.88. Crisis containment. £1,083.93. Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy . Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government increase in Insurance Premium Tax as shown. Is our information correct? Your premium and cover are based on what you’ve told us about Osborne 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 2021-07-25 . We’re here between 8:30am - 5:30pm Monday to Friday . Please note that we can only discuss policy changes with people named on the policy. Why renew with Hiscox. - Reassuring: we offer a range of cover options that can be tailored to your needs. - Flexible: we offer full flexibility to change your policy, with no administration fees . - Award-winning cover : we’ve been named Best Small Business Insurer 7 years running by Start Your Business Magazine . Please click this link for the Hiscox Referral Portal: https://refer.aklamio.com/hiscox/uk?source=postpurchase. Thank you again for choosing Hiscox to insure your business. We hope you and your business have a very successful year. Kind regards. Jon Dye. CEO, Hiscox UK. Business Insurance for the small and the brave. To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre. Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. This email and any files transmitted with it are confidential and intended solely for the use of the individual or entity to whom they are addressed. No one else is authorised to distribute, forward, print, copy or act upon any information contained in this email. If you have received this email in error, please notify the sender. Hiscox Syndicates Limited and Hiscox Insurance Company Limited are authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Hiscox Underwriting Limited, Hiscox Underwriting Services Ltd, Hiscox MGA Ltd and Hiscox ASM Ltd are authorised and regulated by the Financial Conduct Authority. Hiscox Assure SAS is duly registered as an insurance broker with the ORIAS, which is the French Official Registry of Insurance Intermediaries. Hiscox plc is a company registered in England and Wales under company registration number 2837811 and registered office at 1 Great St Helen's, London EC3A 6HX. Hiscox SA is a company registered in Luxembourg at 35 Avenue John F. Kennedy 35F, Luxembourg L-1855, and is authorised by the Commissariat aux Assurances de Luxembourg. It’s time to renew your Hiscox Business Insurance Hiscox Insurance policy number : END9EBFMVUAAEAC2V/C7L Company name: Osborne Inc . It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : END9EBFMVUAAEAC2V/C7L Company name: Osborne Inc . Your Hiscox Insurance premium Last year’s annual premium: This year’s annual premium The premium includes all applicable insurance premium tax (IPT). £ 4,545.89 £ 4,545.89 . Your Hiscox Insurance premium . Last year’s annual premium: This year’s annual premium £ 4,545.89 £ 4,545.89 . The premium includes all applicable insurance premium tax (IPT). Dear Mrs Stewart Houghton . Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 2021-07-25 . Good news; if you want cover to continue with us and to make sure you stay protected by our award-winning cover, you do not need to do anything. We will update your policy onto our latest wording and continue to collect payment using the payment details we have for you. You must read the important information contained in this email and the attached documents Your Hiscox Insurance Premium breakdown The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). The amount shown as last year’s Annual premium will take into account any changes to the cover which may have been made during the last policy period. Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) Professional indemnity £7,559.59 £7,559.59 Legal protection £701.88 £701.88 Crisis containment £1,083.93 Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government increase in Insurance Premium Tax as shown. Is our information correct? Your premium and cover are based on what you’ve told us about Osborne 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 2021-07-25 . We’re here between 8:30am - 5:30pm Monday to Friday . Please note that we can only discuss policy changes with people named on the policy. Why renew with Hiscox - Reassuring: we offer a range of cover options that can be tailored to your needs - Flexible: we offer full flexibility to change your policy, with no administration fees - Award-winning cover : we’ve been named Best Small Business Insurer 7 years running by Start Your Business Magazine Please click this link for the Hiscox Referral Portal: https://refer.aklamio.com/hiscox/uk?source=postpurchase Thank you again for choosing Hiscox to insure your business. We hope you and your business have a very successful year. Kind regards Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 2021-07-25 . Good news; if you want cover to continue with us and to make sure you stay protected by our award-winning cover, you do not need to do anything. We will update your policy onto our latest wording and continue to collect payment using the payment details we have for you. You must read the important information contained in this email and the attached documents Your Hiscox Insurance Premium breakdown The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). The amount shown as last year’s Annual premium will take into account any changes to the cover which may have been made during the last policy period. Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) Professional indemnity £7,559.59 £7,559.59 Legal protection £701.88 £701.88 Crisis containment £1,083.93 Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government increase in Insurance Premium Tax as shown. Is our information correct? Your premium and cover are based on what you’ve told us about Osborne 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 2021-07-25 . We’re here between 8:30am - 5:30pm Monday to Friday . Please note that we can only discuss policy changes with people named on the policy. Why renew with Hiscox - Reassuring: we offer a range of cover options that can be tailored to your needs - Flexible: we offer full flexibility to change your policy, with no administration fees - Award-winning cover : we’ve been named Best Small Business Insurer 7 years running by Start Your Business Magazine Please click this link for the Hiscox Referral Portal: https://refer.aklamio.com/hiscox/uk?source=postpurchase Thank you again for choosing Hiscox to insure your business. We hope you and your business have a very successful year. Kind regards Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Your Hiscox Insurance Premium breakdown The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). Cover Professional indemnity Legal protection Crisis containment . Last year’s annual premium (exc IPT) £7,559.59 £701.88 £1,083.93 . This year’s annual Premium (exc IPT) £7,559.59 £701.88 . Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) . Professional indemnity £7,559.59 £7,559.59 . Legal protection £701.88 £701.88 . Crisis containment £1,083.93 . Kind regards Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre . Kind regards . Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave . To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre . Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Page / 1 Hiscox Business Insurance Policy wording 17431a - DC565 WORDING 04/17Guide to sectionsIntroduction Policy wordings General terms and conditions Professional indemnity for business management consultants Legal protection Crisis containment Hiscox Business Insurance Policy wording 17431a - DC565 WORDING 04/17IntroductionThank you for choosing Hiscox to protect your business. We hope that the language and layout of this policy wording are clear because we want you to understand the insurance we provide as well as the responsibilities we have to each other. Please read this document, including the policy schedule, policy summary and statement of fact, and let us know as soon as possible if any of the details are shown incorrectly. We always try to deliver to the highest standards of service. Your views are important to us, so if you feel that our service is below the standard you would expect from Hiscox, please contact us on the phone number shown in your policy schedule. Please note that some of the words we use in this insurance are shown in bold type. These words are defined in each section of the wording. Page / 1 Hiscox Insurance Payment schedule Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Thank you for continuing to pay for your policy by Direct Debit. Please 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 Houghton Frequency of collection: Annual Sort code: %BANK_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 July, 2024 £4,545.89 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: END9EBFMVUAAEAC2V/C7L If you have any questions about your policy or payments, please call us on 0800 280 0351. We’re here between 8:30am - 5:30pm Monday to Friday or you can email us at service@hiscox.co.uk. Using your personal information Hiscox isa trading name ofa number of Hiscox companies. The specific company acting asa data controller of your personal information will be listed in the documentation we provide to you. If you are unsure you can also contact us at anytime by telephoning 01904 681198 or by emailing us at dataprotectionofficer@hiscox.com. We collect and process information about you in order to provide insurance policies and to process claims. Your information is also used for business purposes such as fraud prevention and detection and financial management. This may involve sharing your information with, and obtaining information about you from, our group companies and third parties such as brokers, loss adjusters, credit reference agencies, service providers, professional advisors, our regulators or fraud prevention agencies. We may record telephone calls to help us monitor and improve the service we provide. For further information on how your information is used and your rights in relation to your information please see our privacy policy at www.hiscox.co.uk/cookies-privacy. The Direct Debit Guarantee This Guarantee is offered by all banks and building societies that accept instructions to pay Direct Debits. If there are any changes to the amount, date or frequency of your Direct Debit Hiscox Underwriting Ltd will notify you ten working days in advance of your account being debited or as otherwise agreed. If you request Hiscox Underwriting Ltd to collect a payment, confirmation of the amount and date will be given to you at the time of the request. If an error is made in the payment of your Direct Debit by Hiscox Underwriting Ltd or your bank or building society you are entitled to a full and immediate refund of the amount paid from your bank or building society. – If you receive a refund you are not entitled to, you must pay it back when Hiscox Underwriting Ltd asks you to. You can cancel a Direct Debit at anytime by simply contacting your bank or building society. Written confirmation maybe required. Please also notify us. Page / 1 Hiscox Business Insurance Policy summary JAC-PSC-UK-DC556(5.4) 17431b 07/20 Your Hiscox Business Insurance policy summaries This document contains the summaries for any policy covers you have selected to protect your business. These summaries outline the key information about your policies so you can be confident that you have understood what you have bought and what you are covered for. However, you should carefully read your policy in full and ensure that you understand its terms and conditions in full. If you have any queries, you should contact Hiscox or your insurance advisor. Your side of the bargain Remember, your premium and insurance are based on the details you have provided to us. Please make sure this information accurately reflects your business and that you inform us immediately if anything needs to change. Please also tell us of any changes in circumstances that may affect the services provided by us or the cover provided by your policy. This is particularly important before taking out a policy, but it also applies throughout the life of the policy too. You need to consider: ■if you fail to fairly present the risk to us, including by failing to disclose any information material to the insurance, you could invalidate the policy, claims may not be paid or the amount we pay maybe reduced; ■you should read and check all insurance documents to ensure that you are aware of the cover, limits and other terms that apply; ■if you fail to let us know of any changes to your circumstances during the period of insurance or, if when telling us about such changes you fail to present the risk to us fairly, you could invalidate the policy, claims may not be paid or the amount we pay maybe reduced; ■please be aware of all terms and conditions of your policy because failure to comply with them could invalidate it or result in us not paying a claim or reducing the amount we pay; ■in the event ofa claim, you should take note of the required procedures, such as giving Hiscox prompt notice of the claims, as stated in the policy documentation. In particular, if you fail to notify us when you first become aware ofa shortcoming, fact, or problem, admit you are liable for what has happened or appoint solicitors or other legal representation without our prior written approval, claims or defence costs may not be paid or the amount we pay maybe reduced; ■as with any insurance, you have an obligation to take reasonable steps to mitigate any loss or liability; ■if you make a fraudulent claim or try to deceive us, we may terminate the policy. Policy length The period of insurance is shown on your policy schedule. Your policy schedule will also show if the policy is ona continuing cover basis. If itis ona continuing cover basis, we will renew your policy each year for another 12 months and continue to take payment (including any premium adjustment shown in your renewal invitation) using your existing arrangement, unless you tell us otherwise or if your risk changes. If your policy schedule does not show that the policy is ona continuing cover basis, cover will cease at the end of the period of insurance, unless you renew your policy with us. We will provide you witha statement of fact each year and provided that the information contained within the statement of fact is true, complete and accurate, you do not need to provide us with any further information. If any of the information in your statement of fact is not true, complete and accurate, you must let us know. If you do not let us know, it may affect the validity of the policy or our ability to pay a claim. Retroactive dates, geographical and jurisdiction limits Where any section of your policy schedule includes a retroactive date, we will not make any payment for any claim or loss under that section which arises from any activity performed or any act, incident or occurrence taking place, before the retroactive date. Where any section of your policy schedule shows the geographical limits which apply to that section of the policy, we will only pay for claims and losses under that section which arise from activities performed or acts, incidents or occurrences taking place within those geographical limits. Where any section provides cover in respect of your liability to third parties, we will only cover claims first made ina country within the applicable courts stated in that section of your policy schedule. Hiscox Business Insurance Policy summary JAC-PSC-UK-DC556(5.4) 17431b 07/20 Cancellation rights You can cancel this policy by giving us 30 days' notice. You will only be charged for the premiums due up to the date of cancellation. If we need to cancel the policy, we’ll give you 30 days’ notice in writing and refund any surplus premiums you might have paid. Please note – we may deduct an administration fee from any refunded payment.There is an exception to our 30-day notice period, which is triggered when we don’t receive your Direct Debit payments within the agreed 14-day period. At this point, we will contact you as soon as possible and stop the policyPage / 2 immediately. Underwritten by:Hiscox Underwriting Ltd on behalf of the insurers named in the schedule. Page / 1 Certificate of professional indemnity insurance Osborne 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:END9EBFMVUAAEAC2V/C7L Name of policy holder:Osborne Inc Period of insurance: From 2021-07-25 to 25/08/2022 both days inclusive. This policy isa Continuing cover policy Insurer: Hiscox Insurance Company Limited Retroactive date: 21 December, 2023 Level of cover:£1,000,000 Signed on behalf of Hiscox Underwriting Limited as agent for the insurers Jon Dye CEO, Hiscox UK Notes: (a) This insurance is subject to policy terms and conditions and any special terms notified to the InsuredPage / 1 Hiscox Business Insurance Policy Schedule 14502 10/18 This schedule tells you what is insured with us. It should be read carefully with your policy wording(s) and statement of fact detailed elsewhere in this document. Schedule effective date: 2021-07-25 Insurance details Policy number: END9EBFMVUAAEAC2V/C7L Period of insurance: From 2021-07-25 to 25/08/2022 both days inclusive. This policy isa Continuing cover policy. Insured: Osborne Inc Address: 80 Hayes drives Daviesville FARNHAM PL08 2NN Additional insureds: None Business: Management Consultants Premium details Charged premium – the total amount you’ll pay for this policy. Charged premium: £6,019.71 Insurance Premium Tax (IPT): £6,957.02 Total charged premium: £4,545.89 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: £6,019.71 Insurance Premium Tax (IPT): £6,957.02 Annual total: £4,545.89 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 £7,559.59 Legal protection £100,000 £0 £701.88 Crisis containment £25,000 - £1,083.93 The figures above are in summary only and are not in addition to the amount insured specified against each cover section below. Hiscox Business Insurance Policy Schedule 14502 10/18 SECTION: PROFESSIONAL INDEMNITY – MANAGEMENT CONSULTANTS Cover start date: 2021-07-25 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 dataPage / 2 claims £250,000 in the aggregate, including all costs Business activities Business management consultant Retroactive date 21 December, 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	END9EBFMVUAAEAC2V/C7L	(?<=Policy number - )[-\w_\/\.]+?(?= Company name)	2021-07-25	(?<=anniversary of your policy is approaching on )[-\w_\/\. ,]+?(?= \.)	null	null	Business	(?<=time to renew your Hiscox )[-\w_\/\. ]+?(?= Insurance)	2024-02-05
hiscox-business-1	Hiscox Business Insurance - Policy number - DFGTTPB-Q Company name: Harper LLC It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : DFGTTPB-Q. Company name: Harper LLC. Your Hiscox Insurance premium. Last year’s annual premium: This year’s annual premium. £ 615.49. £ 615.49. The premium includes all applicable insurance premium tax (IPT). Dear Ms Ann Moran. Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 16/03/2024 . 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. £8,609.44. £8,609.44. Legal protection. £2,755.22. £2,755.22. Crisis containment. £5,305.51. Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy . Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government increase in Insurance Premium Tax as shown. Is our information correct? Your premium and cover are based on what you’ve told us about Harper LLC , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay. . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover. Policy summary for each cover. ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover . As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before 16/03/2024 . 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 : DFGTTPB-Q Company name: Harper LLC . It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : DFGTTPB-Q Company name: Harper LLC . Your Hiscox Insurance premium Last year’s annual premium: This year’s annual premium The premium includes all applicable insurance premium tax (IPT). £ 615.49 £ 615.49 . Your Hiscox Insurance premium . Last year’s annual premium: This year’s annual premium £ 615.49 £ 615.49 . The premium includes all applicable insurance premium tax (IPT). Dear Ms Ann Moran . Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 16/03/2024 . 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 £8,609.44 £8,609.44 Legal protection £2,755.22 £2,755.22 Crisis containment £5,305.51 Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government increase in Insurance Premium Tax as shown. Is our information correct? Your premium and cover are based on what you’ve told us about Harper LLC , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover Policy summary for each cover ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before 16/03/2024 . We’re here between 8:30am - 5:30pm Monday to Friday . Please note that we can only discuss policy changes with people named on the policy. Why renew with Hiscox - Reassuring: we offer a range of cover options that can be tailored to your needs - Flexible: we offer full flexibility to change your policy, with no administration fees - Award-winning cover : we’ve been named Best Small Business Insurer 7 years running by Start Your Business Magazine Please click this link for the Hiscox Referral Portal: https://refer.aklamio.com/hiscox/uk?source=postpurchase Thank you again for choosing Hiscox to insure your business. We hope you and your business have a very successful year. Kind regards Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 16/03/2024 . 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 £8,609.44 £8,609.44 Legal protection £2,755.22 £2,755.22 Crisis containment £5,305.51 Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government increase in Insurance Premium Tax as shown. Is our information correct? Your premium and cover are based on what you’ve told us about Harper LLC , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover Policy summary for each cover ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before 16/03/2024 . 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) £8,609.44 £2,755.22 £5,305.51 . This year’s annual Premium (exc IPT) £8,609.44 £2,755.22 . Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) . Professional indemnity £8,609.44 £8,609.44 . Legal protection £2,755.22 £2,755.22 . Crisis containment £5,305.51 . Kind regards Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre . Kind regards . Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave . To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre . Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Page / 1 Hiscox Business Insurance Policy wording 17431a - DC565 WORDING 04/17Guide to sectionsIntroduction Policy wordings General terms and conditions Professional indemnity for business management consultants Legal protection Crisis containment Hiscox Business Insurance Policy wording 17431a - DC565 WORDING 04/17IntroductionThank you for choosing Hiscox to protect your business. We hope that the language and layout of this policy wording are clear because we want you to understand the insurance we provide as well as the responsibilities we have to each other. Please read this document, including the policy schedule, policy summary and statement of fact, and let us know as soon as possible if any of the details are shown incorrectly. We always try to deliver to the highest standards of service. Your views are important to us, so if you feel that our service is below the standard you would expect from Hiscox, please contact us on the phone number shown in your policy schedule. Please note that some of the words we use in this insurance are shown in bold type. These words are defined in each section of the wording. Page / 1 Hiscox Insurance Payment schedule Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Thank you for continuing to pay for your policy by Direct Debit. Please check these details and let us know if anything is incorrect or if the schedule is not suitable. Your reference details Account holder name: Ann Moran Frequency of collection: Annual Sort code: %BANK_SORT_CODE_1% Account number: %BANK_ACCOUNT_NUMBER_1% Your Direct Debit schedule We will take payments on the dates outlined below: Date Amount 22/11/23 £615.49 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: DFGTTPB-Q If you have any questions about your policy or payments, please call us on 0800 280 0351. We’re here between 8:30am - 5:30pm Monday to Friday or you can email us at service@hiscox.co.uk. Using your personal information Hiscox isa trading name ofa number of Hiscox companies. The specific company acting asa data controller of your personal information will be listed in the documentation we provide to you. If you are unsure you can also contact us at anytime by telephoning 01904 681198 or by emailing us at dataprotectionofficer@hiscox.com. We collect and process information about you in order to provide insurance policies and to process claims. Your information is also used for business purposes such as fraud prevention and detection and financial management. This may involve sharing your information with, and obtaining information about you from, our group companies and third parties such as brokers, loss adjusters, credit reference agencies, service providers, professional advisors, our regulators or fraud prevention agencies. We may record telephone calls to help us monitor and improve the service we provide. For further information on how your information is used and your rights in relation to your information please see our privacy policy at www.hiscox.co.uk/cookies-privacy. The Direct Debit Guarantee This Guarantee is offered by all banks and building societies that accept instructions to pay Direct Debits. If there are any changes to the amount, date or frequency of your Direct Debit Hiscox Underwriting Ltd will notify you ten working days in advance of your account being debited or as otherwise agreed. If you request Hiscox Underwriting Ltd to collect a payment, confirmation of the amount and date will be given to you at the time of the request. If an error is made in the payment of your Direct Debit by Hiscox Underwriting Ltd or your bank or building society you are entitled to a full and immediate refund of the amount paid from your bank or building society. – If you receive a refund you are not entitled to, you must pay it back when Hiscox Underwriting Ltd asks you to. You can cancel a Direct Debit at anytime by simply contacting your bank or building society. Written confirmation maybe required. Please also notify us. Page / 1 Hiscox Business Insurance Policy summary JAC-PSC-UK-DC556(5.4) 17431b 07/20 Your Hiscox Business Insurance policy summaries This document contains the summaries for any policy covers you have selected to protect your business. These summaries outline the key information about your policies so you can be confident that you have understood what you have bought and what you are covered for. However, you should carefully read your policy in full and ensure that you understand its terms and conditions in full. If you have any queries, you should contact Hiscox or your insurance advisor. Your side of the bargain Remember, your premium and insurance are based on the details you have provided to us. Please make sure this information accurately reflects your business and that you inform us immediately if anything needs to change. Please also tell us of any changes in circumstances that may affect the services provided by us or the cover provided by your policy. This is particularly important before taking out a policy, but it also applies throughout the life of the policy too. You need to consider: ■if you fail to fairly present the risk to us, including by failing to disclose any information material to the insurance, you could invalidate the policy, claims may not be paid or the amount we pay maybe reduced; ■you should read and check all insurance documents to ensure that you are aware of the cover, limits and other terms that apply; ■if you fail to let us know of any changes to your circumstances during the period of insurance or, if when telling us about such changes you fail to present the risk to us fairly, you could invalidate the policy, claims may not be paid or the amount we pay maybe reduced; ■please be aware of all terms and conditions of your policy because failure to comply with them could invalidate it or result in us not paying a claim or reducing the amount we pay; ■in the event ofa claim, you should take note of the required procedures, such as giving Hiscox prompt notice of the claims, as stated in the policy documentation. In particular, if you fail to notify us when you first become aware ofa shortcoming, fact, or problem, admit you are liable for what has happened or appoint solicitors or other legal representation without our prior written approval, claims or defence costs may not be paid or the amount we pay maybe reduced; ■as with any insurance, you have an obligation to take reasonable steps to mitigate any loss or liability; ■if you make a fraudulent claim or try to deceive us, we may terminate the policy. Policy length The period of insurance is shown on your policy schedule. Your policy schedule will also show if the policy is ona continuing cover basis. If itis ona continuing cover basis, we will renew your policy each year for another 12 months and continue to take payment (including any premium adjustment shown in your renewal invitation) using your existing arrangement, unless you tell us otherwise or if your risk changes. If your policy schedule does not show that the policy is ona continuing cover basis, cover will cease at the end of the period of insurance, unless you renew your policy with us. We will provide you witha statement of fact each year and provided that the information contained within the statement of fact is true, complete and accurate, you do not need to provide us with any further information. If any of the information in your statement of fact is not true, complete and accurate, you must let us know. If you do not let us know, it may affect the validity of the policy or our ability to pay a claim. Retroactive dates, geographical and jurisdiction limits Where any section of your policy schedule includes a retroactive date, we will not make any payment for any claim or loss under that section which arises from any activity performed or any act, incident or occurrence taking place, before the retroactive date. Where any section of your policy schedule shows the geographical limits which apply to that section of the policy, we will only pay for claims and losses under that section which arise from activities performed or acts, incidents or occurrences taking place within those geographical limits. Where any section provides cover in respect of your liability to third parties, we will only cover claims first made ina country within the applicable courts stated in that section of your policy schedule. Hiscox Business Insurance Policy summary JAC-PSC-UK-DC556(5.4) 17431b 07/20 Cancellation rights You can cancel this policy by giving us 30 days' notice. You will only be charged for the premiums due up to the date of cancellation. If we need to cancel the policy, we’ll give you 30 days’ notice in writing and refund any surplus premiums you might have paid. Please note – we may deduct an administration fee from any refunded payment.There is an exception to our 30-day notice period, which is triggered when we don’t receive your Direct Debit payments within the agreed 14-day period. At this point, we will contact you as soon as possible and stop the policyPage / 2 immediately. Underwritten by:Hiscox Underwriting Ltd on behalf of the insurers named in the schedule. Page / 1 Certificate of professional indemnity insurance Harper 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:DFGTTPB-Q Name of policy holder:Harper LLC Period of insurance: From 16/03/2024 to 18/06/24 both days inclusive. This policy isa Continuing cover policy Insurer: Hiscox Insurance Company Limited Retroactive date: 27/02/2023 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: 16/03/2024 Insurance details Policy number: DFGTTPB-Q Period of insurance: From 16/03/2024 to 18/06/24 both days inclusive. This policy isa Continuing cover policy. Insured: Harper LLC Address: Studio 98 Max harbor Port Lauren FARNHAM S49 2DY Additional insureds: None Business: Management Consultants Premium details Charged premium – the total amount you’ll pay for this policy. Charged premium: £8,740.41 Insurance Premium Tax (IPT): £3,391.31 Total charged premium: £615.49 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: £8,740.41 Insurance Premium Tax (IPT): £3,391.31 Annual total: £615.49 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 £8,609.44 Legal protection £100,000 £0 £2,755.22 Crisis containment £25,000 - £5,305.51 The figures above are in summary only and are not in addition to the amount insured specified against each cover section below. Hiscox Business Insurance Policy Schedule 14502 10/18 SECTION: PROFESSIONAL INDEMNITY – MANAGEMENT CONSULTANTS Cover start date: 16/03/2024 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 dataPage / 2 claims £250,000 in the aggregate, including all costs Business activities Business management consultant Retroactive date 27/02/2023 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	DFGTTPB-Q	(?<=Policy number - )[-\w_\/\.]+?(?= Company name)	16/03/2024	(?<=anniversary of your policy is approaching on )[-\w_\/\. ,]+?(?= \.)	null	null	Business	(?<=time to renew your Hiscox )[-\w_\/\. ]+?(?= Insurance)	2024-02-05
hiscox-business-1	Hiscox Business Insurance - Policy number - OH7VK/CKE0KJ4D4BD/S9 Company name: Cox LLC It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : OH7VK/CKE0KJ4D4BD/S9. Company name: Cox LLC. Your Hiscox Insurance premium. Last year’s annual premium: This year’s annual premium. £ 4,146.52. £ 4,146.52. The premium includes all applicable insurance premium tax (IPT). Dear Mr Fiona Davies. Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 09/05/22 . Good news; if you want cover to continue with us and to make sure you stay protected by our award-winning cover, you do not need to do anything. We will update your policy onto our latest wording and continue to collect payment using the payment details we have for you. You must read the important information contained in this email and the attached documents. Your Hiscox Insurance Premium breakdown. The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). The amount shown as last year’s Annual premium will take into account any changes to the cover which may have been made during the last policy period. Cover. Last year’s annual premium (exc IPT). This year’s annual Premium (exc IPT). Professional indemnity. £4,640.37. £4,640.37. Legal protection. £1,581.69. £1,581.69. Crisis containment. £9,148.21. Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy . Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government 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 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 09/05/22 . We’re here between 8:30am - 5:30pm Monday to Friday . Please note that we can only discuss policy changes with people named on the policy. Why renew with Hiscox. - Reassuring: we offer a range of cover options that can be tailored to your needs. - Flexible: we offer full flexibility to change your policy, with no administration fees . - Award-winning cover : we’ve been named Best Small Business Insurer 7 years running by Start Your Business Magazine . Please click this link for the Hiscox Referral Portal: https://refer.aklamio.com/hiscox/uk?source=postpurchase. Thank you again for choosing Hiscox to insure your business. We hope you and your business have a very successful year. Kind regards. Jon Dye. CEO, Hiscox UK. Business Insurance for the small and the brave. To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre. Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. This email and any files transmitted with it are confidential and intended solely for the use of the individual or entity to whom they are addressed. No one else is authorised to distribute, forward, print, copy or act upon any information contained in this email. If you have received this email in error, please notify the sender. Hiscox Syndicates Limited and Hiscox Insurance Company Limited are authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Hiscox Underwriting Limited, Hiscox Underwriting Services Ltd, Hiscox MGA Ltd and Hiscox ASM Ltd are authorised and regulated by the Financial Conduct Authority. Hiscox Assure SAS is duly registered as an insurance broker with the ORIAS, which is the French Official Registry of Insurance Intermediaries. Hiscox plc is a company registered in England and Wales under company registration number 2837811 and registered office at 1 Great St Helen's, London EC3A 6HX. Hiscox SA is a company registered in Luxembourg at 35 Avenue John F. Kennedy 35F, Luxembourg L-1855, and is authorised by the Commissariat aux Assurances de Luxembourg. It’s time to renew your Hiscox Business Insurance Hiscox Insurance policy number : OH7VK/CKE0KJ4D4BD/S9 Company name: Cox LLC . It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : OH7VK/CKE0KJ4D4BD/S9 Company name: Cox LLC . Your Hiscox Insurance premium Last year’s annual premium: This year’s annual premium The premium includes all applicable insurance premium tax (IPT). £ 4,146.52 £ 4,146.52 . Your Hiscox Insurance premium . Last year’s annual premium: This year’s annual premium £ 4,146.52 £ 4,146.52 . The premium includes all applicable insurance premium tax (IPT). Dear Mr Fiona Davies . Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 09/05/22 . Good news; if you want cover to continue with us and to make sure you stay protected by our award-winning cover, you do not need to do anything. We will update your policy onto our latest wording and continue to collect payment using the payment details we have for you. You must read the important information contained in this email and the attached documents Your Hiscox Insurance Premium breakdown The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). The amount shown as last year’s Annual premium will take into account any changes to the cover which may have been made during the last policy period. Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) Professional indemnity £4,640.37 £4,640.37 Legal protection £1,581.69 £1,581.69 Crisis containment £9,148.21 Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government 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 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 09/05/22 . We’re here between 8:30am - 5:30pm Monday to Friday . Please note that we can only discuss policy changes with people named on the policy. Why renew with Hiscox - Reassuring: we offer a range of cover options that can be tailored to your needs - Flexible: we offer full flexibility to change your policy, with no administration fees - Award-winning cover : we’ve been named Best Small Business Insurer 7 years running by Start Your Business Magazine Please click this link for the Hiscox Referral Portal: https://refer.aklamio.com/hiscox/uk?source=postpurchase Thank you again for choosing Hiscox to insure your business. We hope you and your business have a very successful year. Kind regards Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 09/05/22 . Good news; if you want cover to continue with us and to make sure you stay protected by our award-winning cover, you do not need to do anything. We will update your policy onto our latest wording and continue to collect payment using the payment details we have for you. You must read the important information contained in this email and the attached documents Your Hiscox Insurance Premium breakdown The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). The amount shown as last year’s Annual premium will take into account any changes to the cover which may have been made during the last policy period. Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) Professional indemnity £4,640.37 £4,640.37 Legal protection £1,581.69 £1,581.69 Crisis containment £9,148.21 Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government 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 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 09/05/22 . We’re here between 8:30am - 5:30pm Monday to Friday . Please note that we can only discuss policy changes with people named on the policy. Why renew with Hiscox - Reassuring: we offer a range of cover options that can be tailored to your needs - Flexible: we offer full flexibility to change your policy, with no administration fees - Award-winning cover : we’ve been named Best Small Business Insurer 7 years running by Start Your Business Magazine Please click this link for the Hiscox Referral Portal: https://refer.aklamio.com/hiscox/uk?source=postpurchase Thank you again for choosing Hiscox to insure your business. We hope you and your business have a very successful year. Kind regards Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Your Hiscox Insurance Premium breakdown The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). Cover Professional indemnity Legal protection Crisis containment . Last year’s annual premium (exc IPT) £4,640.37 £1,581.69 £9,148.21 . This year’s annual Premium (exc IPT) £4,640.37 £1,581.69 . Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) . Professional indemnity £4,640.37 £4,640.37 . Legal protection £1,581.69 £1,581.69 . Crisis containment £9,148.21 . Kind regards Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre . Kind regards . Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave . To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre . Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Page / 1 Hiscox Business Insurance Policy wording 17431a - DC565 WORDING 04/17Guide to sectionsIntroduction Policy wordings General terms and conditions Professional indemnity for business management consultants Legal protection Crisis containment Hiscox Business Insurance Policy wording 17431a - DC565 WORDING 04/17IntroductionThank you for choosing Hiscox to protect your business. We hope that the language and layout of this policy wording are clear because we want you to understand the insurance we provide as well as the responsibilities we have to each other. Please read this document, including the policy schedule, policy summary and statement of fact, and let us know as soon as possible if any of the details are shown incorrectly. We always try to deliver to the highest standards of service. Your views are important to us, so if you feel that our service is below the standard you would expect from Hiscox, please contact us on the phone number shown in your policy schedule. Please note that some of the words we use in this insurance are shown in bold type. These words are defined in each section of the wording. Page / 1 Hiscox Insurance Payment schedule Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Thank you for continuing to pay for your policy by Direct Debit. Please check these details and let us know if anything is incorrect or if the schedule is not suitable. Your reference details Account holder name: Fiona 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 01/03/20 £4,146.52 Where your chosen collection date falls ona non-working day then we will endeavour to collect the next working day. For your information, the collections will be made using the following reference number: Originator Identification Number: 293461 Reference Number: OH7VK/CKE0KJ4D4BD/S9 If you have any questions about your policy or payments, please call us on 0800 280 0351. We’re here between 8:30am - 5:30pm Monday to Friday or you can email us at service@hiscox.co.uk. Using your personal information Hiscox isa trading name ofa number of Hiscox companies. The specific company acting asa data controller of your personal information will be listed in the documentation we provide to you. If you are unsure you can also contact us at anytime by telephoning 01904 681198 or by emailing us at dataprotectionofficer@hiscox.com. We collect and process information about you in order to provide insurance policies and to process claims. Your information is also used for business purposes such as fraud prevention and detection and financial management. This may involve sharing your information with, and obtaining information about you from, our group companies and third parties such as brokers, loss adjusters, credit reference agencies, service providers, professional advisors, our regulators or fraud prevention agencies. We may record telephone calls to help us monitor and improve the service we provide. For further information on how your information is used and your rights in relation to your information please see our privacy policy at www.hiscox.co.uk/cookies-privacy. The Direct Debit Guarantee This Guarantee is offered by all banks and building societies that accept instructions to pay Direct Debits. If there are any changes to the amount, date or frequency of your Direct Debit Hiscox Underwriting Ltd will notify you ten working days in advance of your account being debited or as otherwise agreed. If you request Hiscox Underwriting Ltd to collect a payment, confirmation of the amount and date will be given to you at the time of the request. If an error is made in the payment of your Direct Debit by Hiscox Underwriting Ltd or your bank or building society you are entitled to a full and immediate refund of the amount paid from your bank or building society. – If you receive a refund you are not entitled to, you must pay it back when Hiscox Underwriting Ltd asks you to. You can cancel a Direct Debit at anytime by simply contacting your bank or building society. Written confirmation maybe required. Please also notify us. Page / 1 Hiscox Business Insurance Policy summary JAC-PSC-UK-DC556(5.4) 17431b 07/20 Your Hiscox Business Insurance policy summaries This document contains the summaries for any policy covers you have selected to protect your business. These summaries outline the key information about your policies so you can be confident that you have understood what you have bought and what you are covered for. However, you should carefully read your policy in full and ensure that you understand its terms and conditions in full. If you have any queries, you should contact Hiscox or your insurance advisor. Your side of the bargain Remember, your premium and insurance are based on the details you have provided to us. Please make sure this information accurately reflects your business and that you inform us immediately if anything needs to change. Please also tell us of any changes in circumstances that may affect the services provided by us or the cover provided by your policy. This is particularly important before taking out a policy, but it also applies throughout the life of the policy too. You need to consider: ■if you fail to fairly present the risk to us, including by failing to disclose any information material to the insurance, you could invalidate the policy, claims may not be paid or the amount we pay maybe reduced; ■you should read and check all insurance documents to ensure that you are aware of the cover, limits and other terms that apply; ■if you fail to let us know of any changes to your circumstances during the period of insurance or, if when telling us about such changes you fail to present the risk to us fairly, you could invalidate the policy, claims may not be paid or the amount we pay maybe reduced; ■please be aware of all terms and conditions of your policy because failure to comply with them could invalidate it or result in us not paying a claim or reducing the amount we pay; ■in the event ofa claim, you should take note of the required procedures, such as giving Hiscox prompt notice of the claims, as stated in the policy documentation. In particular, if you fail to notify us when you first become aware ofa shortcoming, fact, or problem, admit you are liable for what has happened or appoint solicitors or other legal representation without our prior written approval, claims or defence costs may not be paid or the amount we pay maybe reduced; ■as with any insurance, you have an obligation to take reasonable steps to mitigate any loss or liability; ■if you make a fraudulent claim or try to deceive us, we may terminate the policy. Policy length The period of insurance is shown on your policy schedule. Your policy schedule will also show if the policy is ona continuing cover basis. If itis ona continuing cover basis, we will renew your policy each year for another 12 months and continue to take payment (including any premium adjustment shown in your renewal invitation) using your existing arrangement, unless you tell us otherwise or if your risk changes. If your policy schedule does not show that the policy is ona continuing cover basis, cover will cease at the end of the period of insurance, unless you renew your policy with us. We will provide you witha statement of fact each year and provided that the information contained within the statement of fact is true, complete and accurate, you do not need to provide us with any further information. If any of the information in your statement of fact is not true, complete and accurate, you must let us know. If you do not let us know, it may affect the validity of the policy or our ability to pay a claim. Retroactive dates, geographical and jurisdiction limits Where any section of your policy schedule includes a retroactive date, we will not make any payment for any claim or loss under that section which arises from any activity performed or any act, incident or occurrence taking place, before the retroactive date. Where any section of your policy schedule shows the geographical limits which apply to that section of the policy, we will only pay for claims and losses under that section which arise from activities performed or acts, incidents or occurrences taking place within those geographical limits. Where any section provides cover in respect of your liability to third parties, we will only cover claims first made ina country within the applicable courts stated in that section of your policy schedule. Hiscox Business Insurance Policy summary JAC-PSC-UK-DC556(5.4) 17431b 07/20 Cancellation rights You can cancel this policy by giving us 30 days' notice. You will only be charged for the premiums due up to the date of cancellation. If we need to cancel the policy, we’ll give you 30 days’ notice in writing and refund any surplus premiums you might have paid. Please note – we may deduct an administration fee from any refunded payment.There is an exception to our 30-day notice period, which is triggered when we don’t receive your Direct Debit payments within the agreed 14-day period. At this point, we will contact you as soon as possible and stop the 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 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:OH7VK/CKE0KJ4D4BD/S9 Name of policy holder:Cox LLC Period of insurance: From 09/05/22 to 09/12/25 both days inclusive. This policy isa Continuing cover policy Insurer: Hiscox Insurance Company Limited Retroactive date: Saturday 11 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: 09/05/22 Insurance details Policy number: OH7VK/CKE0KJ4D4BD/S9 Period of insurance: From 09/05/22 to 09/12/25 both days inclusive. This policy isa Continuing cover policy. Insured: Cox LLC Address: Flat 2 Wright corner Brennanberg FARNHAM B29 6QE Additional insureds: None Business: Management Consultants Premium details Charged premium – the total amount you’ll pay for this policy. Charged premium: £3,618.03 Insurance Premium Tax (IPT): £2,886.33 Total charged premium: £4,146.52 Annualised premium – the annual premium for this policy. This is given for comparison purposes. Please refer to the charged premium section for the amount you’ll pay for the policy. Annual premium: £3,618.03 Insurance Premium Tax (IPT): £2,886.33 Annual total: £4,146.52 Please note that there will be no refund or additional premium for any transaction which is less than £20 (excluding IPT). Hiscox Business Insurance Policy Schedule 14502 10/18 Summary Claims information If you need to make a claim: - For claims relating to your building or contents please contact our claims team on 0800 247 1902, 9.00am – 5:30pm Monday to Friday. If you wish to make a claim online, you can log most claims quickly and easily through our claims notification portal at https://claims.hiscox.co.uk/. Outside of normal business hours, if you require emergency assistance in relation to substantial damage to your property, you can speak to our 24-hour emergency assistance team using the telephone number above. Your policy schedule will state if property cover is included in your policy. Our out-of-hours emergency assistance team operate ona pay-and-claim basis and you will need to have credit card details available as appropriate. The team will then be able to direct you to essential tradesmen, emergency loss adjusters or disaster management companies in the event of substantial damage. - If there isa claim (or potential claim) against you bya third party, please email us at liability.claims@hiscox.com. If you need to speak to a member of the claims team urgently, please call our team on 0800 711 7156, 9.00am – 5:30pm Monday to Friday. If you wish to make a claim online, you can log most claims quickly and easily through our claims notification portal at https://claims.hiscox.co.uk/. You will need to provide your full name and contact details, the name of your business or organisation, your address and postcode, the policy reference and circumstances of the claim. The Important information and contact details section below contains additional information specific to the covers applicable to your policy. If you are unsure of who to contact please call our team on 0800 711 7156, 9.00am – 5:30pm Monday to Friday. They will ensure you get through to the correct claims team and let you know what actions you need to take. If anything happens that might be covered under the policy, you must comply with the obligations set out in General claims conditions, together with the obligations set out under Your obligations in the section or sections under which you are making the claim. Itis important that you read the policy for details of its terms in full. Your covers This isa summary of each section of your policy. See each section for cover details. Cover Insurance amount Excess Annual Premium (exc IPT) Professional indemnity £1,000,000 £1,000 £4,640.37 Legal protection £100,000 £0 £1,581.69 Crisis containment £25,000 - £9,148.21 The figures above are in summary only and are not in addition to the amount insured specified against each cover section below. Hiscox Business Insurance Policy Schedule 14502 10/18 SECTION: PROFESSIONAL INDEMNITY – MANAGEMENT CONSULTANTS Cover start date: 09/05/22 Limit of indemnity £1,000,000 Limit applies to in the aggregate, including all costs Excess £1,000 Excess applies to each and every claim or loss, including all costs Geographical limits Worldwide Applicable courts Worldwide (excluding United States of America and Canada) Claims brought in USA or Canada Not covered Additional covers (in addition to overall limit of indemnity stated above) Cover Limit of indemnity Limit applies to Court attendance compensation - employees £250 per person, per day Court attendance compensation - directors and partners£500 per person, per day Court attendance compensation: in total £100,000 in the aggregate Special limits (included within not in addition to the overall limit of indemnity stated above) Cover Limit of indemnity Limit applies to Personal dataPage / 2 claims £250,000 in the aggregate, including all costs Business activities Business management consultant Retroactive date Saturday 11 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	OH7VK/CKE0KJ4D4BD/S9	(?<=Policy number - )[-\w_\/\.]+?(?= Company name)	09/05/22	(?<=anniversary of your policy is approaching on )[-\w_\/\. ,]+?(?= \.)	null	null	Business	(?<=time to renew your Hiscox )[-\w_\/\. ]+?(?= Insurance)	2024-02-05
hiscox-business-1	Hiscox Business Insurance - Policy number - qcimbdp.avg_hgbnzayp Company name: Chandler, Roberts and Davies It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : qcimbdp.avg_hgbnzayp. Company name: Chandler, Roberts and Davies. Your Hiscox Insurance premium. Last year’s annual premium: This year’s annual premium. £ 9,636.64. £ 9,636.64. The premium includes all applicable insurance premium tax (IPT). Dear Dr Brenda Edwards. Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 28 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. £3,947.23. £3,947.23. Legal protection. £6,098.63. £6,098.63. Crisis containment. £474.94. Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy . Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government 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, Roberts and Davies , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay. . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover. Policy summary for each cover. ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover . As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before 28 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 : qcimbdp.avg_hgbnzayp Company name: Chandler, Roberts and Davies . It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : qcimbdp.avg_hgbnzayp Company name: Chandler, Roberts and Davies . Your Hiscox Insurance premium Last year’s annual premium: This year’s annual premium The premium includes all applicable insurance premium tax (IPT). £ 9,636.64 £ 9,636.64 . Your Hiscox Insurance premium . Last year’s annual premium: This year’s annual premium £ 9,636.64 £ 9,636.64 . The premium includes all applicable insurance premium tax (IPT). Dear Dr Brenda Edwards . Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 28 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 £3,947.23 £3,947.23 Legal protection £6,098.63 £6,098.63 Crisis containment £474.94 Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government 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, Roberts and Davies , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover Policy summary for each cover ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before 28 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 28 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 £3,947.23 £3,947.23 Legal protection £6,098.63 £6,098.63 Crisis containment £474.94 Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government 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, Roberts and Davies , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover Policy summary for each cover ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before 28 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) £3,947.23 £6,098.63 £474.94 . This year’s annual Premium (exc IPT) £3,947.23 £6,098.63 . Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) . Professional indemnity £3,947.23 £3,947.23 . Legal protection £6,098.63 £6,098.63 . Crisis containment £474.94 . Kind regards Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre . Kind regards . Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave . To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre . Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Page / 1 Hiscox Business Insurance Policy wording 17431a - DC565 WORDING 04/17Guide to sectionsIntroduction Policy wordings General terms and conditions Professional indemnity for business management consultants Legal protection Crisis containment Hiscox Business Insurance Policy wording 17431a - DC565 WORDING 04/17IntroductionThank you for choosing Hiscox to protect your business. We hope that the language and layout of this policy wording are clear because we want you to understand the insurance we provide as well as the responsibilities we have to each other. Please read this document, including the policy schedule, policy summary and statement of fact, and let us know as soon as possible if any of the details are shown incorrectly. We always try to deliver to the highest standards of service. Your views are important to us, so if you feel that our service is below the standard you would expect from Hiscox, please contact us on the phone number shown in your policy schedule. Please note that some of the words we use in this insurance are shown in bold type. These words are defined in each section of the wording. Page / 1 Hiscox Insurance Payment schedule Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Thank you for continuing to pay for your policy by Direct Debit. Please check these details and let us know if anything is incorrect or if the schedule is not suitable. Your reference details Account holder name: Brenda 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 2024-06-20 £9,636.64 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: qcimbdp.avg_hgbnzayp If you have any questions about your policy or payments, please call us on 0800 280 0351. We’re here between 8:30am - 5:30pm Monday to Friday or you can email us at service@hiscox.co.uk. Using your personal information Hiscox isa trading name ofa number of Hiscox companies. The specific company acting asa data controller of your personal information will be listed in the documentation we provide to you. If you are unsure you can also contact us at anytime by telephoning 01904 681198 or by emailing us at dataprotectionofficer@hiscox.com. We collect and process information about you in order to provide insurance policies and to process claims. Your information is also used for business purposes such as fraud prevention and detection and financial management. This may involve sharing your information with, and obtaining information about you from, our group companies and third parties such as brokers, loss adjusters, credit reference agencies, service providers, professional advisors, our regulators or fraud prevention agencies. We may record telephone calls to help us monitor and improve the service we provide. For further information on how your information is used and your rights in relation to your information please see our privacy policy at www.hiscox.co.uk/cookies-privacy. The Direct Debit Guarantee This Guarantee is offered by all banks and building societies that accept instructions to pay Direct Debits. If there are any changes to the amount, date or frequency of your Direct Debit Hiscox Underwriting Ltd will notify you ten working days in advance of your account being debited or as otherwise agreed. If you request Hiscox Underwriting Ltd to collect a payment, confirmation of the amount and date will be given to you at the time of the request. If an error is made in the payment of your Direct Debit by Hiscox Underwriting Ltd or your bank or building society you are entitled to a full and immediate refund of the amount paid from your bank or building society. – If you receive a refund you are not entitled to, you must pay it back when Hiscox Underwriting Ltd asks you to. You can cancel a Direct Debit at anytime by simply contacting your bank or building society. Written confirmation maybe required. Please also notify us. Page / 1 Hiscox Business Insurance Policy summary JAC-PSC-UK-DC556(5.4) 17431b 07/20 Your Hiscox Business Insurance policy summaries This document contains the summaries for any policy covers you have selected to protect your business. These summaries outline the key information about your policies so you can be confident that you have understood what you have bought and what you are covered for. However, you should carefully read your policy in full and ensure that you understand its terms and conditions in full. If you have any queries, you should contact Hiscox or your insurance advisor. Your side of the bargain Remember, your premium and insurance are based on the details you have provided to us. Please make sure this information accurately reflects your business and that you inform us immediately if anything needs to change. Please also tell us of any changes in circumstances that may affect the services provided by us or the cover provided by your policy. This is particularly important before taking out a policy, but it also applies throughout the life of the policy too. You need to consider: ■if you fail to fairly present the risk to us, including by failing to disclose any information material to the insurance, you could invalidate the policy, claims may not be paid or the amount we pay maybe reduced; ■you should read and check all insurance documents to ensure that you are aware of the cover, limits and other terms that apply; ■if you fail to let us know of any changes to your circumstances during the period of insurance or, if when telling us about such changes you fail to present the risk to us fairly, you could invalidate the policy, claims may not be paid or the amount we pay maybe reduced; ■please be aware of all terms and conditions of your policy because failure to comply with them could invalidate it or result in us not paying a claim or reducing the amount we pay; ■in the event ofa claim, you should take note of the required procedures, such as giving Hiscox prompt notice of the claims, as stated in the policy documentation. In particular, if you fail to notify us when you first become aware ofa shortcoming, fact, or problem, admit you are liable for what has happened or appoint solicitors or other legal representation without our prior written approval, claims or defence costs may not be paid or the amount we pay maybe reduced; ■as with any insurance, you have an obligation to take reasonable steps to mitigate any loss or liability; ■if you make a fraudulent claim or try to deceive us, we may terminate the policy. Policy length The period of insurance is shown on your policy schedule. Your policy schedule will also show if the policy is ona continuing cover basis. If itis ona continuing cover basis, we will renew your policy each year for another 12 months and continue to take payment (including any premium adjustment shown in your renewal invitation) using your existing arrangement, unless you tell us otherwise or if your risk changes. If your policy schedule does not show that the policy is ona continuing cover basis, cover will cease at the end of the period of insurance, unless you renew your policy with us. We will provide you witha statement of fact each year and provided that the information contained within the statement of fact is true, complete and accurate, you do not need to provide us with any further information. If any of the information in your statement of fact is not true, complete and accurate, you must let us know. If you do not let us know, it may affect the validity of the policy or our ability to pay a claim. Retroactive dates, geographical and jurisdiction limits Where any section of your policy schedule includes a retroactive date, we will not make any payment for any claim or loss under that section which arises from any activity performed or any act, incident or occurrence taking place, before the retroactive date. Where any section of your policy schedule shows the geographical limits which apply to that section of the policy, we will only pay for claims and losses under that section which arise from activities performed or acts, incidents or occurrences taking place within those geographical limits. Where any section provides cover in respect of your liability to third parties, we will only cover claims first made ina country within the applicable courts stated in that section of your policy schedule. Hiscox Business Insurance Policy summary JAC-PSC-UK-DC556(5.4) 17431b 07/20 Cancellation rights You can cancel this policy by giving us 30 days' notice. You will only be charged for the premiums due up to the date of cancellation. If we need to cancel the policy, we’ll give you 30 days’ notice in writing and refund any surplus premiums you might have paid. Please note – we may deduct an administration fee from any refunded payment.There is an exception to our 30-day notice period, which is triggered when we don’t receive your Direct Debit payments within the agreed 14-day period. At this point, we will contact you as soon as possible and stop the 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, Roberts and Davies Hiscox Underwriting Ltd of 1 Great St. Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Certificate of professional indemnity Insurance Policy number:qcimbdp.avg_hgbnzayp Name of policy holder:Chandler, Roberts and Davies Period of insurance: From 28 January, 2020 to 23/03/2019 both days inclusive. This policy isa Continuing cover policy Insurer: Hiscox Insurance Company Limited Retroactive date: 2024-06-19 Level of cover:£1,000,000 Signed on behalf of Hiscox Underwriting Limited as agent for the insurers Jon Dye CEO, Hiscox UK Notes: (a) This insurance is subject to policy terms and conditions and any special terms notified to the InsuredPage / 1 Hiscox Business Insurance Policy Schedule 14502 10/18 This schedule tells you what is insured with us. It should be read carefully with your policy wording(s) and statement of fact detailed elsewhere in this document. Schedule effective date: 28 January, 2020 Insurance details Policy number: qcimbdp.avg_hgbnzayp Period of insurance: From 28 January, 2020 to 23/03/2019 both days inclusive. This policy isa Continuing cover policy. Insured: Chandler, Roberts and Davies Address: 8 Carter well Abdulfurt FARNHAM S1 8PJ Additional insureds: None Business: Management Consultants Premium details Charged premium – the total amount you’ll pay for this policy. Charged premium: £9,819.32 Insurance Premium Tax (IPT): £694.79 Total charged premium: £9,636.64 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: £9,819.32 Insurance Premium Tax (IPT): £694.79 Annual total: £9,636.64 Please note that there will be no refund or additional premium for any transaction which is less than £20 (excluding IPT). Hiscox Business Insurance Policy Schedule 14502 10/18 Summary Claims information If you need to make a claim: - For claims relating to your building or contents please contact our claims team on 0800 247 1902, 9.00am – 5:30pm Monday to Friday. If you wish to make a claim online, you can log most claims quickly and easily through our claims notification portal at https://claims.hiscox.co.uk/. Outside of normal business hours, if you require emergency assistance in relation to substantial damage to your property, you can speak to our 24-hour emergency assistance team using the telephone number above. Your policy schedule will state if property cover is included in your policy. Our out-of-hours emergency assistance team operate ona pay-and-claim basis and you will need to have credit card details available as appropriate. The team will then be able to direct you to essential tradesmen, emergency loss adjusters or disaster management companies in the event of substantial damage. - If there isa claim (or potential claim) against you bya third party, please email us at liability.claims@hiscox.com. If you need to speak to a member of the claims team urgently, please call our team on 0800 711 7156, 9.00am – 5:30pm Monday to Friday. If you wish to make a claim online, you can log most claims quickly and easily through our claims notification portal at https://claims.hiscox.co.uk/. You will need to provide your full name and contact details, the name of your business or organisation, your address and postcode, the policy reference and circumstances of the claim. The Important information and contact details section below contains additional information specific to the covers applicable to your policy. If you are unsure of who to contact please call our team on 0800 711 7156, 9.00am – 5:30pm Monday to Friday. They will ensure you get through to the correct claims team and let you know what actions you need to take. If anything happens that might be covered under the policy, you must comply with the obligations set out in General claims conditions, together with the obligations set out under Your obligations in the section or sections under which you are making the claim. Itis important that you read the policy for details of its terms in full. Your covers This isa summary of each section of your policy. See each section for cover details. Cover Insurance amount Excess Annual Premium (exc IPT) Professional indemnity £1,000,000 £1,000 £3,947.23 Legal protection £100,000 £0 £6,098.63 Crisis containment £25,000 - £474.94 The figures above are in summary only and are not in addition to the 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 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 dataPage / 2 claims £250,000 in the aggregate, including all costs Business activities Business management consultant Retroactive date 2024-06-19 Insurer Hiscox Insurance Company LimitedPage / 1 Hiscox Insurance Summary of change Introduction This document has been created to help you understand the key changes to your Hiscox Insurance policy and how they may impact you. Your policy continues to offer professional, tailored insurance to protect you and give you peace of mind that if you need us, you will be supported by our award winning claims team. If you have a query not covered by this document, or if you have any questions or concerns about your policy you should contact us. Frequently asked questions What if my circumstances change during the period of insurance? If your circumstances change during the period of insurance, you only need to let us know if the change means that any of the information in the Statement of Fact is no longer true, complete and accurate. If there are no such changes, you do not need to let us know. If any of the information within the Statement of Fact becomes no longer complete, true or accurate at any point during the period of insurance you must tell us as it may affect the validity of the policy or our ability to pay a claim. Additionally, if your contact details change then you should let us know straightaway. Where doI find the limits that apply to my policy? You can find your maximum allowable limits for turnover and wage rollin your Statement of Fact. You must check this information and tell us or your broker if you expect to exceed the maximum amounts shown. Please note these values may have changed. If there are special limits or special excesses applying to particular covers or types of losses these will be shown in the policy schedule. Please check your policy schedule carefully as they may have changed. My new schedule shows a different premium to last year? What has changed? If an underwriter has reviewed your policy then they may have manually adjusted your premium, for example if you’ve had claims in the last 12 months. Where doI find out about any endorsements on my policy? You will be able to see if an endorsement has been applied or removed by reviewing your Policy Schedule. If you have any queries or concerns, please contact us or your broker if you have one. Hiscox Insurance Summary of change Professional indemnity for business management consultants Summary of change Changes to the cover The following table shows the differences between our new policy wordings (5570 WD- PROF-UK-MAN(7), 15579 WD-PROF-UK-MAN-AG(3)) and our previous wordings (5570 WD-PROF-UK-MAN(6), 15579 WD-PROF-UK-MAN-AG(2)). This isa summary of the changes only. You should refer to the schedule and policy wording for the full description of the cover in place. Area of cover Previous policy New policy Improvement in cover Claims against you Advertising claims. We will pay claims arising from your advertising or branding for defamation or infringement of copyright or moral rights. This does not include claims for passing off, unauthorised use of trademarks or false or misleading advertising. Previously cover was not restricted to defamation or the infringement of copyright or moral rights.Covered Amended Your own lossesChanges to ‘what is covered’ Losses from dishonesty. Your losses arising from the dishonesty of your employees, sub-contractors or outsourcers.Covered Not covered Area of cover Previous policy New policy Improvement in cover Cyber incident. We will not pay claims relating to an actual or possible cyber attack, hacker or social engineering communication. Previously we excluded any virus not specifically targeted at your system.Covered Not covered Computer or digital technology error. We will not pay claims arising from any negligent act, error or omission in the operation or maintenance of computer or digital technology such as development, installation, patching or upgrading.Covered Not coveredChanges to ‘what is not covered’ Infrastructure. We will not pay claims arising from the failure of the service provided by internet, telecommunications, utilities or other infrastructure providers.Covered Not covered Hiscox Insurance Summary of change Personal data. We will not pay claims relating to personal data. We will pay such claims where they arise from your performance ofa business activity and which is not otherwise excluded. Subject to the limit shown in the schedule.Covered Not covered Other important changes Control of defence. Under the previous wording we had a duty to defend you against any covered claim brought against you. We now have the right but not the obligation to take control of the conduct of the claim including the appointment of legal representation. Please refer to the policy wording for full details. SOC-PROF-UK-MAN(1) 21367 01/21	qcimbdp.avg_hgbnzayp	(?<=Policy number - )[-\w_\/\.]+?(?= Company name)	28 January, 2020	(?<=anniversary of your policy is approaching on )[-\w_\/\. ,]+?(?= \.)	null	null	Business	(?<=time to renew your Hiscox )[-\w_\/\. ]+?(?= Insurance)	2024-02-05
hiscox-business-1	Hiscox Business Insurance - Policy number - PGB43VQARLUQVZ1 Company name: Smith, Richards and Warren It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : PGB43VQARLUQVZ1. Company name: Smith, Richards and Warren. Your Hiscox Insurance premium. Last year’s annual premium: This year’s annual premium. £ 3,923.15. £ 3,923.15. The premium includes all applicable insurance premium tax (IPT). Dear Dr Aimee Carey. Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 05/05/2020 . 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. £6,374.77. £6,374.77. Legal protection. £2,483.34. £2,483.34. Crisis containment. £5,238.76. Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy . Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government 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, Richards and Warren , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay. . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover. Policy summary for each cover. ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover . As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before 05/05/2020 . 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 : PGB43VQARLUQVZ1 Company name: Smith, Richards and Warren . It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : PGB43VQARLUQVZ1 Company name: Smith, Richards and Warren . Your Hiscox Insurance premium Last year’s annual premium: This year’s annual premium The premium includes all applicable insurance premium tax (IPT). £ 3,923.15 £ 3,923.15 . Your Hiscox Insurance premium . Last year’s annual premium: This year’s annual premium £ 3,923.15 £ 3,923.15 . The premium includes all applicable insurance premium tax (IPT). Dear Dr Aimee Carey . Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 05/05/2020 . 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 £6,374.77 £6,374.77 Legal protection £2,483.34 £2,483.34 Crisis containment £5,238.76 Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government 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, Richards and Warren , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover Policy summary for each cover ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before 05/05/2020 . 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 05/05/2020 . 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 £6,374.77 £6,374.77 Legal protection £2,483.34 £2,483.34 Crisis containment £5,238.76 Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government 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, Richards and Warren , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover Policy summary for each cover ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before 05/05/2020 . 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) £6,374.77 £2,483.34 £5,238.76 . This year’s annual Premium (exc IPT) £6,374.77 £2,483.34 . Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) . Professional indemnity £6,374.77 £6,374.77 . Legal protection £2,483.34 £2,483.34 . Crisis containment £5,238.76 . Kind regards Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre . Kind regards . Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave . To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre . Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Page / 1 Hiscox Business Insurance Policy wording 17431a - DC565 WORDING 04/17Guide to sectionsIntroduction Policy wordings General terms and conditions Professional indemnity for business management consultants Legal protection Crisis containment Hiscox Business Insurance Policy wording 17431a - DC565 WORDING 04/17IntroductionThank you for choosing Hiscox to protect your business. We hope that the language and layout of this policy wording are clear because we want you to understand the insurance we provide as well as the responsibilities we have to each other. Please read this document, including the policy schedule, policy summary and statement of fact, and let us know as soon as possible if any of the details are shown incorrectly. We always try to deliver to the highest standards of service. Your views are important to us, so if you feel that our service is below the standard you would expect from Hiscox, please contact us on the phone number shown in your policy schedule. Please note that some of the words we use in this insurance are shown in bold type. These words are defined in each section of the wording. Page / 1 Hiscox Insurance Payment schedule Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Thank you for continuing to pay for your policy by Direct Debit. Please check these details and let us know if anything is incorrect or if the schedule is not suitable. Your reference details Account holder name: Aimee Carey Frequency of collection: Annual Sort code: %BANK_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 August, 2024 £3,923.15 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: PGB43VQARLUQVZ1 If you have any questions about your policy or payments, please call us on 0800 280 0351. We’re here between 8:30am - 5:30pm Monday to Friday or you can email us at service@hiscox.co.uk. Using your personal information Hiscox isa trading name ofa number of Hiscox companies. The specific company acting asa data controller of your personal information will be listed in the documentation we provide to you. If you are unsure you can also contact us at anytime by telephoning 01904 681198 or by emailing us at dataprotectionofficer@hiscox.com. We collect and process information about you in order to provide insurance policies and to process claims. Your information is also used for business purposes such as fraud prevention and detection and financial management. This may involve sharing your information with, and obtaining information about you from, our group companies and third parties such as brokers, loss adjusters, credit reference agencies, service providers, professional advisors, our regulators or fraud prevention agencies. We may record telephone calls to help us monitor and improve the service we provide. For further information on how your information is used and your rights in relation to your information please see our privacy policy at www.hiscox.co.uk/cookies-privacy. The Direct Debit Guarantee This Guarantee is offered by all banks and building societies that accept instructions to pay Direct Debits. If there are any changes to the amount, date or frequency of your Direct Debit Hiscox Underwriting Ltd will notify you ten working days in advance of your account being debited or as otherwise agreed. If you request Hiscox Underwriting Ltd to collect a payment, confirmation of the amount and date will be given to you at the time of the request. If an error is made in the payment of your Direct Debit by Hiscox Underwriting Ltd or your bank or building society you are entitled to a full and immediate refund of the amount paid from your bank or building society. – If you receive a refund you are not entitled to, you must pay it back when Hiscox Underwriting Ltd asks you to. You can cancel a Direct Debit at anytime by simply contacting your bank or building society. Written confirmation maybe required. Please also notify us. Page / 1 Hiscox Business Insurance Policy summary JAC-PSC-UK-DC556(5.4) 17431b 07/20 Your Hiscox Business Insurance policy summaries This document contains the summaries for any policy covers you have selected to protect your business. These summaries outline the key information about your policies so you can be confident that you have understood what you have bought and what you are covered for. However, you should carefully read your policy in full and ensure that you understand its terms and conditions in full. If you have any queries, you should contact Hiscox or your insurance advisor. Your side of the bargain Remember, your premium and insurance are based on the details you have provided to us. Please make sure this information accurately reflects your business and that you inform us immediately if anything needs to change. Please also tell us of any changes in circumstances that may affect the services provided by us or the cover provided by your policy. This is particularly important before taking out a policy, but it also applies throughout the life of the policy too. You need to consider: ■if you fail to fairly present the risk to us, including by failing to disclose any information material to the insurance, you could invalidate the policy, claims may not be paid or the amount we pay maybe reduced; ■you should read and check all insurance documents to ensure that you are aware of the cover, limits and other terms that apply; ■if you fail to let us know of any changes to your circumstances during the period of insurance or, if when telling us about such changes you fail to present the risk to us fairly, you could invalidate the policy, claims may not be paid or the amount we pay maybe reduced; ■please be aware of all terms and conditions of your policy because failure to comply with them could invalidate it or result in us not paying a claim or reducing the amount we pay; ■in the event ofa claim, you should take note of the required procedures, such as giving Hiscox prompt notice of the claims, as stated in the policy documentation. In particular, if you fail to notify us when you first become aware ofa shortcoming, fact, or problem, admit you are liable for what has happened or appoint solicitors or other legal representation without our prior written approval, claims or defence costs may not be paid or the amount we pay maybe reduced; ■as with any insurance, you have an obligation to take reasonable steps to mitigate any loss or liability; ■if you make a fraudulent claim or try to deceive us, we may terminate the policy. Policy length The period of insurance is shown on your policy schedule. Your policy schedule will also show if the policy is ona continuing cover basis. If itis ona continuing cover basis, we will renew your policy each year for another 12 months and continue to take payment (including any premium adjustment shown in your renewal invitation) using your existing arrangement, unless you tell us otherwise or if your risk changes. If your policy schedule does not show that the policy is ona continuing cover basis, cover will cease at the end of the period of insurance, unless you renew your policy with us. We will provide you witha statement of fact each year and provided that the information contained within the statement of fact is true, complete and accurate, you do not need to provide us with any further information. If any of the information in your statement of fact is not true, complete and accurate, you must let us know. If you do not let us know, it may affect the validity of the policy or our ability to pay a claim. Retroactive dates, geographical and jurisdiction limits Where any section of your policy schedule includes a retroactive date, we will not make any payment for any claim or loss under that section which arises from any activity performed or any act, incident or occurrence taking place, before the retroactive date. Where any section of your policy schedule shows the geographical limits which apply to that section of the policy, we will only pay for claims and losses under that section which arise from activities performed or acts, incidents or occurrences taking place within those geographical limits. Where any section provides cover in respect of your liability to third parties, we will only cover claims first made ina country within the applicable courts stated in that section of your policy schedule. Hiscox Business Insurance Policy summary JAC-PSC-UK-DC556(5.4) 17431b 07/20 Cancellation rights You can cancel this policy by giving us 30 days' notice. You will only be charged for the premiums due up to the date of cancellation. If we need to cancel the policy, we’ll give you 30 days’ notice in writing and refund any surplus premiums you might have paid. Please note – we may deduct an administration fee from any refunded payment.There is an exception to our 30-day notice period, which is triggered when we don’t receive your Direct Debit payments within the agreed 14-day period. At this point, we will contact you as soon as possible and stop the 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, Richards and Warren Hiscox Underwriting Ltd of 1 Great St. Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Certificate of professional indemnity Insurance Policy number:PGB43VQARLUQVZ1 Name of policy holder:Smith, Richards and Warren Period of insurance: From 05/05/2020 to 27/05/2021 both days inclusive. This policy isa Continuing cover policy Insurer: Hiscox Insurance Company Limited Retroactive date: Thu 04 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: 05/05/2020 Insurance details Policy number: PGB43VQARLUQVZ1 Period of insurance: From 05/05/2020 to 27/05/2021 both days inclusive. This policy isa Continuing cover policy. Insured: Smith, Richards and Warren Address: 079 Lynn prairie Alanton FARNHAM KA2 0WH Additional insureds: None Business: Management Consultants Premium details Charged premium – the total amount you’ll pay for this policy. Charged premium: £5,699.53 Insurance Premium Tax (IPT): £6,054.22 Total charged premium: £3,923.15 Annualised premium – the annual premium for this policy. This is given for comparison purposes. Please refer to the charged premium section for the amount you’ll pay for the policy. Annual premium: £5,699.53 Insurance Premium Tax (IPT): £6,054.22 Annual total: £3,923.15 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 £6,374.77 Legal protection £100,000 £0 £2,483.34 Crisis containment £25,000 - £5,238.76 The figures above are in summary only and are not in addition to the amount insured specified against each cover section below. Hiscox Business Insurance Policy Schedule 14502 10/18 SECTION: PROFESSIONAL INDEMNITY – MANAGEMENT CONSULTANTS Cover start date: 05/05/2020 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 dataPage / 2 claims £250,000 in the aggregate, including all costs Business activities Business management consultant Retroactive date Thu 04 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	PGB43VQARLUQVZ1	(?<=Policy number - )[-\w_\/\.]+?(?= Company name)	05/05/2020	(?<=anniversary of your policy is approaching on )[-\w_\/\. ,]+?(?= \.)	null	null	Business	(?<=time to renew your Hiscox )[-\w_\/\. ]+?(?= Insurance)	2024-02-05
hiscox-business-1	Hiscox Business Insurance - Policy number - do/.yryozu Company name: Cooper PLC It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : do/.yryozu. Company name: Cooper PLC. Your Hiscox Insurance premium. Last year’s annual premium: This year’s annual premium. £ 541.27. £ 541.27. The premium includes all applicable insurance premium tax (IPT). Dear Dr Amy Brooks. Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on Saturday 08 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. £9,881.96. £9,881.96. Legal protection. £4,032.19. £4,032.19. Crisis containment. £2,953.62. Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy . Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government 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 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 Saturday 08 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 : do/.yryozu Company name: Cooper PLC . It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : do/.yryozu Company name: Cooper PLC . Your Hiscox Insurance premium Last year’s annual premium: This year’s annual premium The premium includes all applicable insurance premium tax (IPT). £ 541.27 £ 541.27 . Your Hiscox Insurance premium . Last year’s annual premium: This year’s annual premium £ 541.27 £ 541.27 . The premium includes all applicable insurance premium tax (IPT). Dear Dr Amy Brooks . Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on Saturday 08 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 £9,881.96 £9,881.96 Legal protection £4,032.19 £4,032.19 Crisis containment £2,953.62 Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government 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 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 Saturday 08 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 Saturday 08 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 £9,881.96 £9,881.96 Legal protection £4,032.19 £4,032.19 Crisis containment £2,953.62 Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government 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 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 Saturday 08 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) £9,881.96 £4,032.19 £2,953.62 . This year’s annual Premium (exc IPT) £9,881.96 £4,032.19 . Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) . Professional indemnity £9,881.96 £9,881.96 . Legal protection £4,032.19 £4,032.19 . Crisis containment £2,953.62 . Kind regards Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre . Kind regards . Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave . To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre . Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Page / 1 Hiscox Business Insurance Policy wording 17431a - DC565 WORDING 04/17Guide to sectionsIntroduction Policy wordings General terms and conditions Professional indemnity for business management consultants Legal protection Crisis containment Hiscox Business Insurance Policy wording 17431a - DC565 WORDING 04/17IntroductionThank you for choosing Hiscox to protect your business. We hope that the language and layout of this policy wording are clear because we want you to understand the insurance we provide as well as the responsibilities we have to each other. Please read this document, including the policy schedule, policy summary and statement of fact, and let us know as soon as possible if any of the details are shown incorrectly. We always try to deliver to the highest standards of service. Your views are important to us, so if you feel that our service is below the standard you would expect from Hiscox, please contact us on the phone number shown in your policy schedule. Please note that some of the words we use in this insurance are shown in bold type. These words are defined in each section of the wording. Page / 1 Hiscox Insurance Payment schedule Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Thank you for continuing to pay for your policy by Direct Debit. Please check these details and let us know if anything is incorrect or if the schedule is not suitable. Your reference details Account holder name: Amy Brooks Frequency of collection: Annual Sort code: %BANK_SORT_CODE_1% Account number: %BANK_ACCOUNT_NUMBER_1% Your Direct Debit schedule We will take payments on the dates outlined below: Date Amount 22/04/24 £541.27 Where your chosen collection date falls ona non-working day then we will endeavour to collect the next working day. For your information, the collections will be made using the following reference number: Originator Identification Number: 293461 Reference Number: do/.yryozu If you have any questions about your policy or payments, please call us on 0800 280 0351. We’re here between 8:30am - 5:30pm Monday to Friday or you can email us at service@hiscox.co.uk. Using your personal information Hiscox isa trading name ofa number of Hiscox companies. The specific company acting asa data controller of your personal information will be listed in the documentation we provide to you. If you are unsure you can also contact us at anytime by telephoning 01904 681198 or by emailing us at dataprotectionofficer@hiscox.com. We collect and process information about you in order to provide insurance policies and to process claims. Your information is also used for business purposes such as fraud prevention and detection and financial management. This may involve sharing your information with, and obtaining information about you from, our group companies and third parties such as brokers, loss adjusters, credit reference agencies, service providers, professional advisors, our regulators or fraud prevention agencies. We may record telephone calls to help us monitor and improve the service we provide. For further information on how your information is used and your rights in relation to your information please see our privacy policy at www.hiscox.co.uk/cookies-privacy. The Direct Debit Guarantee This Guarantee is offered by all banks and building societies that accept instructions to pay Direct Debits. If there are any changes to the amount, date or frequency of your Direct Debit Hiscox Underwriting Ltd will notify you ten working days in advance of your account being debited or as otherwise agreed. If you request Hiscox Underwriting Ltd to collect a payment, confirmation of the amount and date will be given to you at the time of the request. If an error is made in the payment of your Direct Debit by Hiscox Underwriting Ltd or your bank or building society you are entitled to a full and immediate refund of the amount paid from your bank or building society. – If you receive a refund you are not entitled to, you must pay it back when Hiscox Underwriting Ltd asks you to. You can cancel a Direct Debit at anytime by simply contacting your bank or building society. Written confirmation maybe required. Please also notify us. Page / 1 Hiscox Business Insurance Policy summary JAC-PSC-UK-DC556(5.4) 17431b 07/20 Your Hiscox Business Insurance policy summaries This document contains the summaries for any policy covers you have selected to protect your business. These summaries outline the key information about your policies so you can be confident that you have understood what you have bought and what you are covered for. However, you should carefully read your policy in full and ensure that you understand its terms and conditions in full. If you have any queries, you should contact Hiscox or your insurance advisor. Your side of the bargain Remember, your premium and insurance are based on the details you have provided to us. Please make sure this information accurately reflects your business and that you inform us immediately if anything needs to change. Please also tell us of any changes in circumstances that may affect the services provided by us or the cover provided by your policy. This is particularly important before taking out a policy, but it also applies throughout the life of the policy too. You need to consider: ■if you fail to fairly present the risk to us, including by failing to disclose any information material to the insurance, you could invalidate the policy, claims may not be paid or the amount we pay maybe reduced; ■you should read and check all insurance documents to ensure that you are aware of the cover, limits and other terms that apply; ■if you fail to let us know of any changes to your circumstances during the period of insurance or, if when telling us about such changes you fail to present the risk to us fairly, you could invalidate the policy, claims may not be paid or the amount we pay maybe reduced; ■please be aware of all terms and conditions of your policy because failure to comply with them could invalidate it or result in us not paying a claim or reducing the amount we pay; ■in the event ofa claim, you should take note of the required procedures, such as giving Hiscox prompt notice of the claims, as stated in the policy documentation. In particular, if you fail to notify us when you first become aware ofa shortcoming, fact, or problem, admit you are liable for what has happened or appoint solicitors or other legal representation without our prior written approval, claims or defence costs may not be paid or the amount we pay maybe reduced; ■as with any insurance, you have an obligation to take reasonable steps to mitigate any loss or liability; ■if you make a fraudulent claim or try to deceive us, we may terminate the policy. Policy length The period of insurance is shown on your policy schedule. Your policy schedule will also show if the policy is ona continuing cover basis. If itis ona continuing cover basis, we will renew your policy each year for another 12 months and continue to take payment (including any premium adjustment shown in your renewal invitation) using your existing arrangement, unless you tell us otherwise or if your risk changes. If your policy schedule does not show that the policy is ona continuing cover basis, cover will cease at the end of the period of insurance, unless you renew your policy with us. We will provide you witha statement of fact each year and provided that the information contained within the statement of fact is true, complete and accurate, you do not need to provide us with any further information. If any of the information in your statement of fact is not true, complete and accurate, you must let us know. If you do not let us know, it may affect the validity of the policy or our ability to pay a claim. Retroactive dates, geographical and jurisdiction limits Where any section of your policy schedule includes a retroactive date, we will not make any payment for any claim or loss under that section which arises from any activity performed or any act, incident or occurrence taking place, before the retroactive date. Where any section of your policy schedule shows the geographical limits which apply to that section of the policy, we will only pay for claims and losses under that section which arise from activities performed or acts, incidents or occurrences taking place within those geographical limits. Where any section provides cover in respect of your liability to third parties, we will only cover claims first made ina country within the applicable courts stated in that section of your policy schedule. Hiscox Business Insurance Policy summary JAC-PSC-UK-DC556(5.4) 17431b 07/20 Cancellation rights You can cancel this policy by giving us 30 days' notice. You will only be charged for the premiums due up to the date of cancellation. If we need to cancel the policy, we’ll give you 30 days’ notice in writing and refund any surplus premiums you might have paid. Please note – we may deduct an administration fee from any refunded payment.There is an exception to our 30-day notice period, which is triggered when we don’t receive your Direct Debit payments within the agreed 14-day period. At this point, we will contact you as soon as possible and stop the 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 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:do/.yryozu Name of policy holder:Cooper PLC Period of insurance: From Saturday 08 February, 2025 to Tuesday 11 October, 2022 both days inclusive. This policy isa Continuing cover policy Insurer: Hiscox Insurance Company Limited Retroactive date: 20 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: Saturday 08 February, 2025 Insurance details Policy number: do/.yryozu Period of insurance: From Saturday 08 February, 2025 to Tuesday 11 October, 2022 both days inclusive. This policy isa Continuing cover policy. Insured: Cooper PLC Address: Studio 39J Stephanie villages North Mohamed FARNHAM BB7X 8YE Additional insureds: None Business: Management Consultants Premium details Charged premium – the total amount you’ll pay for this policy. Charged premium: £1,271.78 Insurance Premium Tax (IPT): £1,957.21 Total charged premium: £541.27 Annualised premium – the annual premium for this policy. This is given for comparison purposes. Please refer to the charged premium section for the amount you’ll pay for the policy. Annual premium: £1,271.78 Insurance Premium Tax (IPT): £1,957.21 Annual total: £541.27 Please note that there will be no refund or additional premium for any transaction which is less than £20 (excluding IPT). Hiscox Business Insurance Policy Schedule 14502 10/18 Summary Claims information If you need to make a claim: - For claims relating to your building or contents please contact our claims team on 0800 247 1902, 9.00am – 5:30pm Monday to Friday. If you wish to make a claim online, you can log most claims quickly and easily through our claims notification portal at https://claims.hiscox.co.uk/. Outside of normal business hours, if you require emergency assistance in relation to substantial damage to your property, you can speak to our 24-hour emergency assistance team using the telephone number above. Your policy schedule will state if property cover is included in your policy. Our out-of-hours emergency assistance team operate ona pay-and-claim basis and you will need to have credit card details available as appropriate. The team will then be able to direct you to essential tradesmen, emergency loss adjusters or disaster management companies in the event of substantial damage. - If there isa claim (or potential claim) against you bya third party, please email us at liability.claims@hiscox.com. If you need to speak to a member of the claims team urgently, please call our team on 0800 711 7156, 9.00am – 5:30pm Monday to Friday. If you wish to make a claim online, you can log most claims quickly and easily through our claims notification portal at https://claims.hiscox.co.uk/. You will need to provide your full name and contact details, the name of your business or organisation, your address and postcode, the policy reference and circumstances of the claim. The Important information and contact details section below contains additional information specific to the covers applicable to your policy. If you are unsure of who to contact please call our team on 0800 711 7156, 9.00am – 5:30pm Monday to Friday. They will ensure you get through to the correct claims team and let you know what actions you need to take. If anything happens that might be covered under the policy, you must comply with the obligations set out in General claims conditions, together with the obligations set out under Your obligations in the section or sections under which you are making the claim. Itis important that you read the policy for details of its terms in full. Your covers This isa summary of each section of your policy. See each section for cover details. Cover Insurance amount Excess Annual Premium (exc IPT) Professional indemnity £1,000,000 £1,000 £9,881.96 Legal protection £100,000 £0 £4,032.19 Crisis containment £25,000 - £2,953.62 The figures above are in summary only and are not in addition to the 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 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 dataPage / 2 claims £250,000 in the aggregate, including all costs Business activities Business management consultant Retroactive date 20 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	do/.yryozu	(?<=Policy number - )[-\w_\/\.]+?(?= Company name)	Saturday 08 February, 2025	(?<=anniversary of your policy is approaching on )[-\w_\/\. ,]+?(?= \.)	null	null	Business	(?<=time to renew your Hiscox )[-\w_\/\. ]+?(?= Insurance)	2024-02-05
hiscox-business-1	Hiscox Business Insurance - Policy number - E/D0Q8FZ8SRGHNH-L95H Company name: Stevens, Ahmed and Roberts It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : E/D0Q8FZ8SRGHNH-L95H. Company name: Stevens, Ahmed and Roberts. Your Hiscox Insurance premium. Last year’s annual premium: This year’s annual premium. £ 7,488.13. £ 7,488.13. The premium includes all applicable insurance premium tax (IPT). Dear Ms Ms Vanessa Sanderson. Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 15/12/2022 . Good news; if you want cover to continue with us and to make sure you stay protected by our award-winning cover, you do not need to do anything. We will update your policy onto our latest wording and continue to collect payment using the payment details we have for you. You must read the important information contained in this email and the attached documents. Your Hiscox Insurance Premium breakdown. The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). The amount shown as last year’s Annual premium will take into account any changes to the cover which may have been made during the last policy period. Cover. Last year’s annual premium (exc IPT). This year’s annual Premium (exc IPT). Professional indemnity. £6,110.51. £6,110.51. Legal protection. £1,060.14. £1,060.14. Crisis containment. £3,785.71. Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy . Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government increase in Insurance Premium Tax as shown. Is our information correct? Your premium and cover are based on what you’ve told us about Stevens, Ahmed 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 15/12/2022 . 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 : E/D0Q8FZ8SRGHNH-L95H Company name: Stevens, Ahmed and Roberts . It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : E/D0Q8FZ8SRGHNH-L95H Company name: Stevens, Ahmed 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). £ 7,488.13 £ 7,488.13 . Your Hiscox Insurance premium . Last year’s annual premium: This year’s annual premium £ 7,488.13 £ 7,488.13 . The premium includes all applicable insurance premium tax (IPT). Dear Ms Ms Vanessa Sanderson . Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 15/12/2022 . Good news; if you want cover to continue with us and to make sure you stay protected by our award-winning cover, you do not need to do anything. We will update your policy onto our latest wording and continue to collect payment using the payment details we have for you. You must read the important information contained in this email and the attached documents Your Hiscox Insurance Premium breakdown The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). The amount shown as last year’s Annual premium will take into account any changes to the cover which may have been made during the last policy period. Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) Professional indemnity £6,110.51 £6,110.51 Legal protection £1,060.14 £1,060.14 Crisis containment £3,785.71 Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government increase in Insurance Premium Tax as shown. Is our information correct? Your premium and cover are based on what you’ve told us about Stevens, Ahmed 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 15/12/2022 . 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 15/12/2022 . Good news; if you want cover to continue with us and to make sure you stay protected by our award-winning cover, you do not need to do anything. We will update your policy onto our latest wording and continue to collect payment using the payment details we have for you. You must read the important information contained in this email and the attached documents Your Hiscox Insurance Premium breakdown The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). The amount shown as last year’s Annual premium will take into account any changes to the cover which may have been made during the last policy period. Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) Professional indemnity £6,110.51 £6,110.51 Legal protection £1,060.14 £1,060.14 Crisis containment £3,785.71 Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government increase in Insurance Premium Tax as shown. Is our information correct? Your premium and cover are based on what you’ve told us about Stevens, Ahmed 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 15/12/2022 . We’re here between 8:30am - 5:30pm Monday to Friday . Please note that we can only discuss policy changes with people named on the policy. Why renew with Hiscox - Reassuring: we offer a range of cover options that can be tailored to your needs - Flexible: we offer full flexibility to change your policy, with no administration fees - Award-winning cover : we’ve been named Best Small Business Insurer 7 years running by Start Your Business Magazine Please click this link for the Hiscox Referral Portal: https://refer.aklamio.com/hiscox/uk?source=postpurchase Thank you again for choosing Hiscox to insure your business. We hope you and your business have a very successful year. Kind regards Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Your Hiscox Insurance Premium breakdown The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). Cover Professional indemnity Legal protection Crisis containment . Last year’s annual premium (exc IPT) £6,110.51 £1,060.14 £3,785.71 . This year’s annual Premium (exc IPT) £6,110.51 £1,060.14 . Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) . Professional indemnity £6,110.51 £6,110.51 . Legal protection £1,060.14 £1,060.14 . Crisis containment £3,785.71 . Kind regards Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre . Kind regards . Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave . To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre . Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Page / 1 Hiscox Business Insurance Policy wording 17431a - DC565 WORDING 04/17Guide to sectionsIntroduction Policy wordings General terms and conditions Professional indemnity for business management consultants Legal protection Crisis containment Hiscox Business Insurance Policy wording 17431a - DC565 WORDING 04/17IntroductionThank you for choosing Hiscox to protect your business. We hope that the language and layout of this policy wording are clear because we want you to understand the insurance we provide as well as the responsibilities we have to each other. Please read this document, including the policy schedule, policy summary and statement of fact, and let us know as soon as possible if any of the details are shown incorrectly. We always try to deliver to the highest standards of service. Your views are important to us, so if you feel that our service is below the standard you would expect from Hiscox, please contact us on the phone number shown in your policy schedule. Please note that some of the words we use in this insurance are shown in bold type. These words are defined in each section of the wording. Page / 1 Hiscox Insurance Payment schedule Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Thank you for continuing to pay for your policy by Direct Debit. Please 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 Vanessa Sanderson Frequency of collection: Annual Sort code: %BANK_SORT_CODE_1% Account number: %BANK_ACCOUNT_NUMBER_1% Your Direct Debit schedule We will take payments on the dates outlined below: Date Amount 2020-03-03 £7,488.13 Where your chosen collection date falls ona non-working day then we will endeavour to collect the next working day. For your information, the collections will be made using the following reference number: Originator Identification Number: 293461 Reference Number: E/D0Q8FZ8SRGHNH-L95H If you have any questions about your policy or payments, please call us on 0800 280 0351. We’re here between 8:30am - 5:30pm Monday to Friday or you can email us at service@hiscox.co.uk. Using your personal information Hiscox isa trading name ofa number of Hiscox companies. The specific company acting asa data controller of your personal information will be listed in the documentation we provide to you. If you are unsure you can also contact us at anytime by telephoning 01904 681198 or by emailing us at dataprotectionofficer@hiscox.com. We collect and process information about you in order to provide insurance policies and to process claims. Your information is also used for business purposes such as fraud prevention and detection and financial management. This may involve sharing your information with, and obtaining information about you from, our group companies and third parties such as brokers, loss adjusters, credit reference agencies, service providers, professional advisors, our regulators or fraud prevention agencies. We may record telephone calls to help us monitor and improve the service we provide. For further information on how your information is used and your rights in relation to your information please see our privacy policy at www.hiscox.co.uk/cookies-privacy. The Direct Debit Guarantee This Guarantee is offered by all banks and building societies that accept instructions to pay Direct Debits. If there are any changes to the amount, date or frequency of your Direct Debit Hiscox Underwriting Ltd will notify you ten working days in advance of your account being debited or as otherwise agreed. If you request Hiscox Underwriting Ltd to collect a payment, confirmation of the amount and date will be given to you at the time of the request. If an error is made in the payment of your Direct Debit by Hiscox Underwriting Ltd or your bank or building society you are entitled to a full and immediate refund of the amount paid from your bank or building society. – If you receive a refund you are not entitled to, you must pay it back when Hiscox Underwriting Ltd asks you to. You can cancel a Direct Debit at anytime by simply contacting your bank or building society. Written confirmation maybe required. Please also notify us. Page / 1 Hiscox Business Insurance Policy summary JAC-PSC-UK-DC556(5.4) 17431b 07/20 Your Hiscox Business Insurance policy summaries This document contains the summaries for any policy covers you have selected to protect your business. These summaries outline the key information about your policies so you can be confident that you have understood what you have bought and what you are covered for. However, you should carefully read your policy in full and ensure that you understand its terms and conditions in full. If you have any queries, you should contact Hiscox or your insurance advisor. Your side of the bargain Remember, your premium and insurance are based on the details you have provided to us. Please make sure this information accurately reflects your business and that you inform us immediately if anything needs to change. Please also tell us of any changes in circumstances that may affect the services provided by us or the cover provided by your policy. This is particularly important before taking out a policy, but it also applies throughout the life of the policy too. You need to consider: ■if you fail to fairly present the risk to us, including by failing to disclose any information material to the insurance, you could invalidate the policy, claims may not be paid or the amount we pay maybe reduced; ■you should read and check all insurance documents to ensure that you are aware of the cover, limits and other terms that apply; ■if you fail to let us know of any changes to your circumstances during the period of insurance or, if when telling us about such changes you fail to present the risk to us fairly, you could invalidate the policy, claims may not be paid or the amount we pay maybe reduced; ■please be aware of all terms and conditions of your policy because failure to comply with them could invalidate it or result in us not paying a claim or reducing the amount we pay; ■in the event ofa claim, you should take note of the required procedures, such as giving Hiscox prompt notice of the claims, as stated in the policy documentation. In particular, if you fail to notify us when you first become aware ofa shortcoming, fact, or problem, admit you are liable for what has happened or appoint solicitors or other legal representation without our prior written approval, claims or defence costs may not be paid or the amount we pay maybe reduced; ■as with any insurance, you have an obligation to take reasonable steps to mitigate any loss or liability; ■if you make a fraudulent claim or try to deceive us, we may terminate the policy. Policy length The period of insurance is shown on your policy schedule. Your policy schedule will also show if the policy is ona continuing cover basis. If itis ona continuing cover basis, we will renew your policy each year for another 12 months and continue to take payment (including any premium adjustment shown in your renewal invitation) using your existing arrangement, unless you tell us otherwise or if your risk changes. If your policy schedule does not show that the policy is ona continuing cover basis, cover will cease at the end of the period of insurance, unless you renew your policy with us. We will provide you witha statement of fact each year and provided that the information contained within the statement of fact is true, complete and accurate, you do not need to provide us with any further information. If any of the information in your statement of fact is not true, complete and accurate, you must let us know. If you do not let us know, it may affect the validity of the policy or our ability to pay a claim. Retroactive dates, geographical and jurisdiction limits Where any section of your policy schedule includes a retroactive date, we will not make any payment for any claim or loss under that section which arises from any activity performed or any act, incident or occurrence taking place, before the retroactive date. Where any section of your policy schedule shows the geographical limits which apply to that section of the policy, we will only pay for claims and losses under that section which arise from activities performed or acts, incidents or occurrences taking place within those geographical limits. Where any section provides cover in respect of your liability to third parties, we will only cover claims first made ina country within the applicable courts stated in that section of your policy schedule. Hiscox Business Insurance Policy summary JAC-PSC-UK-DC556(5.4) 17431b 07/20 Cancellation rights You can cancel this policy by giving us 30 days' notice. You will only be charged for the premiums due up to the date of cancellation. If we need to cancel the policy, we’ll give you 30 days’ notice in writing and refund any surplus premiums you might have paid. Please note – we may deduct an administration fee from any refunded payment.There is an exception to our 30-day notice period, which is triggered when we don’t receive your Direct Debit payments within the agreed 14-day period. At this point, we will contact you as soon as possible and stop the policyPage / 2 immediately. Underwritten by:Hiscox Underwriting Ltd on behalf of the insurers named in the schedule. Page / 1 Certificate of professional indemnity insurance Stevens, Ahmed 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:E/D0Q8FZ8SRGHNH-L95H Name of policy holder:Stevens, Ahmed and Roberts Period of insurance: From 15/12/2022 to 07/01/26 both days inclusive. This policy isa Continuing cover policy Insurer: Hiscox Insurance Company Limited Retroactive date: 19 September, 2024 Level of cover:£1,000,000 Signed on behalf of Hiscox Underwriting Limited as agent for the insurers Jon Dye CEO, Hiscox UK Notes: (a) This insurance is subject to policy terms and conditions and any special terms notified to the InsuredPage / 1 Hiscox Business Insurance Policy Schedule 14502 10/18 This schedule tells you what is insured with us. It should be read carefully with your policy wording(s) and statement of fact detailed elsewhere in this document. Schedule effective date: 15/12/2022 Insurance details Policy number: E/D0Q8FZ8SRGHNH-L95H Period of insurance: From 15/12/2022 to 07/01/26 both days inclusive. This policy isa Continuing cover policy. Insured: Stevens, Ahmed and Roberts Address: Studio 4 Turner estates West Catherineton FARNHAM M1 1DX Additional insureds: None Business: Management Consultants Premium details Charged premium – the total amount you’ll pay for this policy. Charged premium: £6,139.77 Insurance Premium Tax (IPT): £4,143.03 Total charged premium: £7,488.13 Annualised premium – the annual premium for this policy. This is given for comparison purposes. Please refer to the charged premium section for the amount you’ll pay for the policy. Annual premium: £6,139.77 Insurance Premium Tax (IPT): £4,143.03 Annual total: £7,488.13 Please note that there will be no refund or additional premium for any transaction which is less than £20 (excluding IPT). Hiscox Business Insurance Policy Schedule 14502 10/18 Summary Claims information If you need to make a claim: - For claims relating to your building or contents please contact our claims team on 0800 247 1902, 9.00am – 5:30pm Monday to Friday. If you wish to make a claim online, you can log most claims quickly and easily through our claims notification portal at https://claims.hiscox.co.uk/. Outside of normal business hours, if you require emergency assistance in relation to substantial damage to your property, you can speak to our 24-hour emergency assistance team using the telephone number above. Your policy schedule will state if property cover is included in your policy. Our out-of-hours emergency assistance team operate ona pay-and-claim basis and you will need to have credit card details available as appropriate. The team will then be able to direct you to essential tradesmen, emergency loss adjusters or disaster management companies in the event of substantial damage. - If there isa claim (or potential claim) against you bya third party, please email us at liability.claims@hiscox.com. If you need to speak to a member of the claims team urgently, please call our team on 0800 711 7156, 9.00am – 5:30pm Monday to Friday. If you wish to make a claim online, you can log most claims quickly and easily through our claims notification portal at https://claims.hiscox.co.uk/. You will need to provide your full name and contact details, the name of your business or organisation, your address and postcode, the policy reference and circumstances of the claim. The Important information and contact details section below contains additional information specific to the covers applicable to your policy. If you are unsure of who to contact please call our team on 0800 711 7156, 9.00am – 5:30pm Monday to Friday. They will ensure you get through to the correct claims team and let you know what actions you need to take. If anything happens that might be covered under the policy, you must comply with the obligations set out in General claims conditions, together with the obligations set out under Your obligations in the section or sections under which you are making the claim. Itis important that you read the policy for details of its terms in full. Your covers This isa summary of each section of your policy. See each section for cover details. Cover Insurance amount Excess Annual Premium (exc IPT) Professional indemnity £1,000,000 £1,000 £6,110.51 Legal protection £100,000 £0 £1,060.14 Crisis containment £25,000 - £3,785.71 The figures above are in summary only and are not in addition to the amount insured specified against each cover section below. Hiscox Business Insurance Policy Schedule 14502 10/18 SECTION: PROFESSIONAL INDEMNITY – MANAGEMENT CONSULTANTS Cover start date: 15/12/2022 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 dataPage / 2 claims £250,000 in the aggregate, including all costs Business activities Business management consultant Retroactive date 19 September, 2024 Insurer Hiscox Insurance Company LimitedPage / 1 Hiscox Insurance Summary of change Introduction This document has been created to help you understand the key changes to your Hiscox Insurance policy and how they may impact you. Your policy continues to offer professional, tailored insurance to protect you and give you peace of mind that if you need us, you will be supported by our award winning claims team. If you have a query not covered by this document, or if you have any questions or concerns about your policy you should contact us. Frequently asked questions What if my circumstances change during the period of insurance? If your circumstances change during the period of insurance, you only need to let us know if the change means that any of the information in the Statement of Fact is no longer true, complete and accurate. If there are no such changes, you do not need to let us know. If any of the information within the Statement of Fact becomes no longer complete, true or accurate at any point during the period of insurance you must tell us as it may affect the validity of the policy or our ability to pay a claim. Additionally, if your contact details change then you should let us know straightaway. Where doI find the limits that apply to my policy? You can find your maximum allowable limits for turnover and wage rollin your Statement of Fact. You must check this information and tell us or your broker if you expect to exceed the maximum amounts shown. Please note these values may have changed. If there are special limits or special excesses applying to particular covers or types of losses these will be shown in the policy schedule. Please check your policy schedule carefully as they may have changed. My new schedule shows a different premium to last year? What has changed? If an underwriter has reviewed your policy then they may have manually adjusted your premium, for example if you’ve had claims in the last 12 months. Where doI find out about any endorsements on my policy? You will be able to see if an endorsement has been applied or removed by reviewing your Policy Schedule. If you have any queries or concerns, please contact us or your broker if you have one. Hiscox Insurance Summary of change Professional indemnity for business management consultants Summary of change Changes to the cover The following table shows the differences between our new policy wordings (5570 WD- PROF-UK-MAN(7), 15579 WD-PROF-UK-MAN-AG(3)) and our previous wordings (5570 WD-PROF-UK-MAN(6), 15579 WD-PROF-UK-MAN-AG(2)). This isa summary of the changes only. You should refer to the schedule and policy wording for the full description of the cover in place. Area of cover Previous policy New policy Improvement in cover Claims against you Advertising claims. We will pay claims arising from your advertising or branding for defamation or infringement of copyright or moral rights. This does not include claims for passing off, unauthorised use of trademarks or false or misleading advertising. Previously cover was not restricted to defamation or the infringement of copyright or moral rights.Covered Amended Your own lossesChanges to ‘what is covered’ Losses from dishonesty. Your losses arising from the dishonesty of your employees, sub-contractors or outsourcers.Covered Not covered Area of cover Previous policy New policy Improvement in cover Cyber incident. We will not pay claims relating to an actual or possible cyber attack, hacker or social engineering communication. Previously we excluded any virus not specifically targeted at your system.Covered Not covered Computer or digital technology error. We will not pay claims arising from any negligent act, error or omission in the operation or maintenance of computer or digital technology such as development, installation, patching or upgrading.Covered Not coveredChanges to ‘what is not covered’ Infrastructure. We will not pay claims arising from the failure of the service provided by internet, telecommunications, utilities or other infrastructure providers.Covered Not covered Hiscox Insurance Summary of change Personal data. We will not pay claims relating to personal data. We will pay such claims where they arise from your performance ofa business activity and which is not otherwise excluded. Subject to the limit shown in the schedule.Covered Not covered Other important changes Control of defence. Under the previous wording we had a duty to defend you against any covered claim brought against you. We now have the right but not the obligation to take control of the conduct of the claim including the appointment of legal representation. Please refer to the policy wording for full details. SOC-PROF-UK-MAN(1) 21367 01/21	E/D0Q8FZ8SRGHNH-L95H	(?<=Policy number - )[-\w_\/\.]+?(?= Company name)	15/12/2022	(?<=anniversary of your policy is approaching on )[-\w_\/\. ,]+?(?= \.)	null	null	Business	(?<=time to renew your Hiscox )[-\w_\/\. ]+?(?= Insurance)	2024-02-05
hiscox-business-1	Hiscox Business Insurance - Policy number - OBUY7A/MET085U Company name: Elliott, Smith and Harris It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : OBUY7A/MET085U. Company name: Elliott, Smith and Harris. Your Hiscox Insurance premium. Last year’s annual premium: This year’s annual premium. £ 6,994.85. £ 6,994.85. The premium includes all applicable insurance premium tax (IPT). Dear Dr Molly Crawford. Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on Wednesday 31 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. £6,704.45. £6,704.45. Legal protection. £9,896.80. £9,896.80. Crisis containment. £2,856.05. Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy . Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government 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, Smith and 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 Wednesday 31 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 : OBUY7A/MET085U Company name: Elliott, Smith and Harris . It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : OBUY7A/MET085U Company name: Elliott, Smith and Harris . Your Hiscox Insurance premium Last year’s annual premium: This year’s annual premium The premium includes all applicable insurance premium tax (IPT). £ 6,994.85 £ 6,994.85 . Your Hiscox Insurance premium . Last year’s annual premium: This year’s annual premium £ 6,994.85 £ 6,994.85 . The premium includes all applicable insurance premium tax (IPT). Dear Dr Molly Crawford . Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on Wednesday 31 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 £6,704.45 £6,704.45 Legal protection £9,896.80 £9,896.80 Crisis containment £2,856.05 Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government 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, Smith and 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 Wednesday 31 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 Wednesday 31 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 £6,704.45 £6,704.45 Legal protection £9,896.80 £9,896.80 Crisis containment £2,856.05 Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government 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, Smith and 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 Wednesday 31 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) £6,704.45 £9,896.80 £2,856.05 . This year’s annual Premium (exc IPT) £6,704.45 £9,896.80 . Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) . Professional indemnity £6,704.45 £6,704.45 . Legal protection £9,896.80 £9,896.80 . Crisis containment £2,856.05 . Kind regards Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre . Kind regards . Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave . To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre . Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Page / 1 Hiscox Business Insurance Policy wording 17431a - DC565 WORDING 04/17Guide to sectionsIntroduction Policy wordings General terms and conditions Professional indemnity for business management consultants Legal protection Crisis containment Hiscox Business Insurance Policy wording 17431a - DC565 WORDING 04/17IntroductionThank you for choosing Hiscox to protect your business. We hope that the language and layout of this policy wording are clear because we want you to understand the insurance we provide as well as the responsibilities we have to each other. Please read this document, including the policy schedule, policy summary and statement of fact, and let us know as soon as possible if any of the details are shown incorrectly. We always try to deliver to the highest standards of service. Your views are important to us, so if you feel that our service is below the standard you would expect from Hiscox, please contact us on the phone number shown in your policy schedule. Please note that some of the words we use in this insurance are shown in bold type. These words are defined in each section of the wording. Page / 1 Hiscox Insurance Payment schedule Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Thank you for continuing to pay for your policy by Direct Debit. Please check these details and let us know if anything is incorrect or if the schedule is not suitable. Your reference details Account holder name: Molly Crawford Frequency of collection: Annual Sort code: %BANK_SORT_CODE_1% Account number: %BANK_ACCOUNT_NUMBER_1% Your Direct Debit schedule We will take payments on the dates outlined below: Date Amount Sunday 16 June, 2019 £6,994.85 Where your chosen collection date falls ona non-working day then we will endeavour to collect the next working day. For your information, the collections will be made using the following reference number: Originator Identification Number: 293461 Reference Number: OBUY7A/MET085U If you have any questions about your policy or payments, please call us on 0800 280 0351. We’re here between 8:30am - 5:30pm Monday to Friday or you can email us at service@hiscox.co.uk. Using your personal information Hiscox isa trading name ofa number of Hiscox companies. The specific company acting asa data controller of your personal information will be listed in the documentation we provide to you. If you are unsure you can also contact us at anytime by telephoning 01904 681198 or by emailing us at dataprotectionofficer@hiscox.com. We collect and process information about you in order to provide insurance policies and to process claims. Your information is also used for business purposes such as fraud prevention and detection and financial management. This may involve sharing your information with, and obtaining information about you from, our group companies and third parties such as brokers, loss adjusters, credit reference agencies, service providers, professional advisors, our regulators or fraud prevention agencies. We may record telephone calls to help us monitor and improve the service we provide. For further information on how your information is used and your rights in relation to your information please see our privacy policy at www.hiscox.co.uk/cookies-privacy. The Direct Debit Guarantee This Guarantee is offered by all banks and building societies that accept instructions to pay Direct Debits. If there are any changes to the amount, date or frequency of your Direct Debit Hiscox Underwriting Ltd will notify you ten working days in advance of your account being debited or as otherwise agreed. If you request Hiscox Underwriting Ltd to collect a payment, confirmation of the amount and date will be given to you at the time of the request. If an error is made in the payment of your Direct Debit by Hiscox Underwriting Ltd or your bank or building society you are entitled to a full and immediate refund of the amount paid from your bank or building society. – If you receive a refund you are not entitled to, you must pay it back when Hiscox Underwriting Ltd asks you to. You can cancel a Direct Debit at anytime by simply contacting your bank or building society. Written confirmation maybe required. Please also notify us. Page / 1 Hiscox Business Insurance Policy summary JAC-PSC-UK-DC556(5.4) 17431b 07/20 Your Hiscox Business Insurance policy summaries This document contains the summaries for any policy covers you have selected to protect your business. These summaries outline the key information about your policies so you can be confident that you have understood what you have bought and what you are covered for. However, you should carefully read your policy in full and ensure that you understand its terms and conditions in full. If you have any queries, you should contact Hiscox or your insurance advisor. Your side of the bargain Remember, your premium and insurance are based on the details you have provided to us. Please make sure this information accurately reflects your business and that you inform us immediately if anything needs to change. Please also tell us of any changes in circumstances that may affect the services provided by us or the cover provided by your policy. This is particularly important before taking out a policy, but it also applies throughout the life of the policy too. You need to consider: ■if you fail to fairly present the risk to us, including by failing to disclose any information material to the insurance, you could invalidate the policy, claims may not be paid or the amount we pay maybe reduced; ■you should read and check all insurance documents to ensure that you are aware of the cover, limits and other terms that apply; ■if you fail to let us know of any changes to your circumstances during the period of insurance or, if when telling us about such changes you fail to present the risk to us fairly, you could invalidate the policy, claims may not be paid or the amount we pay maybe reduced; ■please be aware of all terms and conditions of your policy because failure to comply with them could invalidate it or result in us not paying a claim or reducing the amount we pay; ■in the event ofa claim, you should take note of the required procedures, such as giving Hiscox prompt notice of the claims, as stated in the policy documentation. In particular, if you fail to notify us when you first become aware ofa shortcoming, fact, or problem, admit you are liable for what has happened or appoint solicitors or other legal representation without our prior written approval, claims or defence costs may not be paid or the amount we pay maybe reduced; ■as with any insurance, you have an obligation to take reasonable steps to mitigate any loss or liability; ■if you make a fraudulent claim or try to deceive us, we may terminate the policy. Policy length The period of insurance is shown on your policy schedule. Your policy schedule will also show if the policy is ona continuing cover basis. If itis ona continuing cover basis, we will renew your policy each year for another 12 months and continue to take payment (including any premium adjustment shown in your renewal invitation) using your existing arrangement, unless you tell us otherwise or if your risk changes. If your policy schedule does not show that the policy is ona continuing cover basis, cover will cease at the end of the period of insurance, unless you renew your policy with us. We will provide you witha statement of fact each year and provided that the information contained within the statement of fact is true, complete and accurate, you do not need to provide us with any further information. If any of the information in your statement of fact is not true, complete and accurate, you must let us know. If you do not let us know, it may affect the validity of the policy or our ability to pay a claim. Retroactive dates, geographical and jurisdiction limits Where any section of your policy schedule includes a retroactive date, we will not make any payment for any claim or loss under that section which arises from any activity performed or any act, incident or occurrence taking place, before the retroactive date. Where any section of your policy schedule shows the geographical limits which apply to that section of the policy, we will only pay for claims and losses under that section which arise from activities performed or acts, incidents or occurrences taking place within those geographical limits. Where any section provides cover in respect of your liability to third parties, we will only cover claims first made ina country within the applicable courts stated in that section of your policy schedule. Hiscox Business Insurance Policy summary JAC-PSC-UK-DC556(5.4) 17431b 07/20 Cancellation rights You can cancel this policy by giving us 30 days' notice. You will only be charged for the premiums due up to the date of cancellation. If we need to cancel the policy, we’ll give you 30 days’ notice in writing and refund any surplus premiums you might have paid. Please note – we may deduct an administration fee from any refunded payment.There is an exception to our 30-day notice period, which is triggered when we don’t receive your Direct Debit payments within the agreed 14-day period. At this point, we will contact you as soon as possible and stop the 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, Smith and 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:OBUY7A/MET085U Name of policy holder:Elliott, Smith and Harris Period of insurance: From Wednesday 31 January, 2024 to 01 January, 2020 both days inclusive. This policy isa Continuing cover policy Insurer: Hiscox Insurance Company Limited Retroactive date: 2025-01-23 Level of cover:£1,000,000 Signed on behalf of Hiscox Underwriting Limited as agent for the insurers Jon Dye CEO, Hiscox UK Notes: (a) This insurance is subject to policy terms and conditions and any special terms notified to the InsuredPage / 1 Hiscox Business Insurance Policy Schedule 14502 10/18 This schedule tells you what is insured with us. It should be read carefully with your policy wording(s) and statement of fact detailed elsewhere in this document. Schedule effective date: Wednesday 31 January, 2024 Insurance details Policy number: OBUY7A/MET085U Period of insurance: From Wednesday 31 January, 2024 to 01 January, 2020 both days inclusive. This policy isa Continuing cover policy. Insured: Elliott, Smith and Harris Address: Flat 05E Hardy island East Janiceberg FARNHAM M76 2ST Additional insureds: None Business: Management Consultants Premium details Charged premium – the total amount you’ll pay for this policy. Charged premium: £8,253.33 Insurance Premium Tax (IPT): £2,625.89 Total charged premium: £6,994.85 Annualised premium – the annual premium for this policy. This is given for comparison purposes. Please refer to the charged premium section for the amount you’ll pay for the policy. Annual premium: £8,253.33 Insurance Premium Tax (IPT): £2,625.89 Annual total: £6,994.85 Please note that there will be no refund or additional premium for any transaction which is less than £20 (excluding IPT). Hiscox Business Insurance Policy Schedule 14502 10/18 Summary Claims information If you need to make a claim: - For claims relating to your building or contents please contact our claims team on 0800 247 1902, 9.00am – 5:30pm Monday to Friday. If you wish to make a claim online, you can log most claims quickly and easily through our claims notification portal at https://claims.hiscox.co.uk/. Outside of normal business hours, if you require emergency assistance in relation to substantial damage to your property, you can speak to our 24-hour emergency assistance team using the telephone number above. Your policy schedule will state if property cover is included in your policy. Our out-of-hours emergency assistance team operate ona pay-and-claim basis and you will need to have credit card details available as appropriate. The team will then be able to direct you to essential tradesmen, emergency loss adjusters or disaster management companies in the event of substantial damage. - If there isa claim (or potential claim) against you bya third party, please email us at liability.claims@hiscox.com. If you need to speak to a member of the claims team urgently, please call our team on 0800 711 7156, 9.00am – 5:30pm Monday to Friday. If you wish to make a claim online, you can log most claims quickly and easily through our claims notification portal at https://claims.hiscox.co.uk/. You will need to provide your full name and contact details, the name of your business or organisation, your address and postcode, the policy reference and circumstances of the claim. The Important information and contact details section below contains additional information specific to the covers applicable to your policy. If you are unsure of who to contact please call our team on 0800 711 7156, 9.00am – 5:30pm Monday to Friday. They will ensure you get through to the correct claims team and let you know what actions you need to take. If anything happens that might be covered under the policy, you must comply with the obligations set out in General claims conditions, together with the obligations set out under Your obligations in the section or sections under which you are making the claim. Itis important that you read the policy for details of its terms in full. Your covers This isa summary of each section of your policy. See each section for cover details. Cover Insurance amount Excess Annual Premium (exc IPT) Professional indemnity £1,000,000 £1,000 £6,704.45 Legal protection £100,000 £0 £9,896.80 Crisis containment £25,000 - £2,856.05 The figures above are in summary only and are not in addition to the amount insured specified against each cover section below. Hiscox Business Insurance Policy Schedule 14502 10/18 SECTION: PROFESSIONAL INDEMNITY – MANAGEMENT CONSULTANTS Cover start date: Wednesday 31 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 dataPage / 2 claims £250,000 in the aggregate, including all costs Business activities Business management consultant Retroactive date 2025-01-23 Insurer Hiscox Insurance Company LimitedPage / 1 Hiscox Insurance Summary of change Introduction This document has been created to help you understand the key changes to your Hiscox Insurance policy and how they may impact you. Your policy continues to offer professional, tailored insurance to protect you and give you peace of mind that if you need us, you will be supported by our award winning claims team. If you have a query not covered by this document, or if you have any questions or concerns about your policy you should contact us. Frequently asked questions What if my circumstances change during the period of insurance? If your circumstances change during the period of insurance, you only need to let us know if the change means that any of the information in the Statement of Fact is no longer true, complete and accurate. If there are no such changes, you do not need to let us know. If any of the information within the Statement of Fact becomes no longer complete, true or accurate at any point during the period of insurance you must tell us as it may affect the validity of the policy or our ability to pay a claim. Additionally, if your contact details change then you should let us know straightaway. Where doI find the limits that apply to my policy? You can find your maximum allowable limits for turnover and wage rollin your Statement of Fact. You must check this information and tell us or your broker if you expect to exceed the maximum amounts shown. Please note these values may have changed. If there are special limits or special excesses applying to particular covers or types of losses these will be shown in the policy schedule. Please check your policy schedule carefully as they may have changed. My new schedule shows a different premium to last year? What has changed? If an underwriter has reviewed your policy then they may have manually adjusted your premium, for example if you’ve had claims in the last 12 months. Where doI find out about any endorsements on my policy? You will be able to see if an endorsement has been applied or removed by reviewing your Policy Schedule. If you have any queries or concerns, please contact us or your broker if you have one. Hiscox Insurance Summary of change Professional indemnity for business management consultants Summary of change Changes to the cover The following table shows the differences between our new policy wordings (5570 WD- PROF-UK-MAN(7), 15579 WD-PROF-UK-MAN-AG(3)) and our previous wordings (5570 WD-PROF-UK-MAN(6), 15579 WD-PROF-UK-MAN-AG(2)). This isa summary of the changes only. You should refer to the schedule and policy wording for the full description of the cover in place. Area of cover Previous policy New policy Improvement in cover Claims against you Advertising claims. We will pay claims arising from your advertising or branding for defamation or infringement of copyright or moral rights. This does not include claims for passing off, unauthorised use of trademarks or false or misleading advertising. Previously cover was not restricted to defamation or the infringement of copyright or moral rights.Covered Amended Your own lossesChanges to ‘what is covered’ Losses from dishonesty. Your losses arising from the dishonesty of your employees, sub-contractors or outsourcers.Covered Not covered Area of cover Previous policy New policy Improvement in cover Cyber incident. We will not pay claims relating to an actual or possible cyber attack, hacker or social engineering communication. Previously we excluded any virus not specifically targeted at your system.Covered Not covered Computer or digital technology error. We will not pay claims arising from any negligent act, error or omission in the operation or maintenance of computer or digital technology such as development, installation, patching or upgrading.Covered Not coveredChanges to ‘what is not covered’ Infrastructure. We will not pay claims arising from the failure of the service provided by internet, telecommunications, utilities or other infrastructure providers.Covered Not covered Hiscox Insurance Summary of change Personal data. We will not pay claims relating to personal data. We will pay such claims where they arise from your performance ofa business activity and which is not otherwise excluded. Subject to the limit shown in the schedule.Covered Not covered Other important changes Control of defence. Under the previous wording we had a duty to defend you against any covered claim brought against you. We now have the right but not the obligation to take control of the conduct of the claim including the appointment of legal representation. Please refer to the policy wording for full details. SOC-PROF-UK-MAN(1) 21367 01/21	OBUY7A/MET085U	(?<=Policy number - )[-\w_\/\.]+?(?= Company name)	Wednesday 31 January, 2024	(?<=anniversary of your policy is approaching on )[-\w_\/\. ,]+?(?= \.)	null	null	Business	(?<=time to renew your Hiscox )[-\w_\/\. ]+?(?= Insurance)	2024-02-05
hiscox-business-1	Hiscox Business Insurance - Policy number - 18FPLPTJ-0L6B1O1 Company name: Carroll, Stokes and Kay It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : 18FPLPTJ-0L6B1O1. Company name: Carroll, Stokes and Kay. Your Hiscox Insurance premium. Last year’s annual premium: This year’s annual premium. £ 4,296.62. £ 4,296.62. The premium includes all applicable insurance premium tax (IPT). Dear Dr Sandra Hughes. Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on Sun 20 April, 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. £4,216.57. £4,216.57. Legal protection. £8,529.10. £8,529.10. Crisis containment. £1,771.55. Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy . Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government increase in Insurance Premium Tax as shown. Is our information correct? Your premium and cover are based on what you’ve told us about Carroll, Stokes and Kay , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay. . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover. Policy summary for each cover. ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover . As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, 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 20 April, 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 : 18FPLPTJ-0L6B1O1 Company name: Carroll, Stokes and Kay . It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : 18FPLPTJ-0L6B1O1 Company name: Carroll, Stokes and Kay . Your Hiscox Insurance premium Last year’s annual premium: This year’s annual premium The premium includes all applicable insurance premium tax (IPT). £ 4,296.62 £ 4,296.62 . Your Hiscox Insurance premium . Last year’s annual premium: This year’s annual premium £ 4,296.62 £ 4,296.62 . The premium includes all applicable insurance premium tax (IPT). Dear Dr Sandra Hughes . Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on Sun 20 April, 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 £4,216.57 £4,216.57 Legal protection £8,529.10 £8,529.10 Crisis containment £1,771.55 Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government increase in Insurance Premium Tax as shown. Is our information correct? Your premium and cover are based on what you’ve told us about Carroll, Stokes and Kay , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover Policy summary for each cover ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, 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 20 April, 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 20 April, 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 £4,216.57 £4,216.57 Legal protection £8,529.10 £8,529.10 Crisis containment £1,771.55 Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government increase in Insurance Premium Tax as shown. Is our information correct? Your premium and cover are based on what you’ve told us about Carroll, Stokes and Kay , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover Policy summary for each cover ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, 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 20 April, 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) £4,216.57 £8,529.10 £1,771.55 . This year’s annual Premium (exc IPT) £4,216.57 £8,529.10 . Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) . Professional indemnity £4,216.57 £4,216.57 . Legal protection £8,529.10 £8,529.10 . Crisis containment £1,771.55 . Kind regards Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre . Kind regards . Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave . To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre . Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Page / 1 Hiscox Business Insurance Policy wording 17431a - DC565 WORDING 04/17Guide to sectionsIntroduction Policy wordings General terms and conditions Professional indemnity for business management consultants Legal protection Crisis containment Hiscox Business Insurance Policy wording 17431a - DC565 WORDING 04/17IntroductionThank you for choosing Hiscox to protect your business. We hope that the language and layout of this policy wording are clear because we want you to understand the insurance we provide as well as the responsibilities we have to each other. Please read this document, including the policy schedule, policy summary and statement of fact, and let us know as soon as possible if any of the details are shown incorrectly. We always try to deliver to the highest standards of service. Your views are important to us, so if you feel that our service is below the standard you would expect from Hiscox, please contact us on the phone number shown in your policy schedule. Please note that some of the words we use in this insurance are shown in bold type. These words are defined in each section of the wording. Page / 1 Hiscox Insurance Payment schedule Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Thank you for continuing to pay for your policy by Direct Debit. Please check these details and let us know if anything is incorrect or if the schedule is not suitable. Your reference details Account holder name: Sandra 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 29 April, 2024 £4,296.62 Where your chosen collection date falls ona non-working day then we will endeavour to collect the next working day. For your information, the collections will be made using the following reference number: Originator Identification Number: 293461 Reference Number: 18FPLPTJ-0L6B1O1 If you have any questions about your policy or payments, please call us on 0800 280 0351. We’re here between 8:30am - 5:30pm Monday to Friday or you can email us at service@hiscox.co.uk. Using your personal information Hiscox isa trading name ofa number of Hiscox companies. The specific company acting asa data controller of your personal information will be listed in the documentation we provide to you. If you are unsure you can also contact us at anytime by telephoning 01904 681198 or by emailing us at dataprotectionofficer@hiscox.com. We collect and process information about you in order to provide insurance policies and to process claims. Your information is also used for business purposes such as fraud prevention and detection and financial management. This may involve sharing your information with, and obtaining information about you from, our group companies and third parties such as brokers, loss adjusters, credit reference agencies, service providers, professional advisors, our regulators or fraud prevention agencies. We may record telephone calls to help us monitor and improve the service we provide. For further information on how your information is used and your rights in relation to your information please see our privacy policy at www.hiscox.co.uk/cookies-privacy. The Direct Debit Guarantee This Guarantee is offered by all banks and building societies that accept instructions to pay Direct Debits. If there are any changes to the amount, date or frequency of your Direct Debit Hiscox Underwriting Ltd will notify you ten working days in advance of your account being debited or as otherwise agreed. If you request Hiscox Underwriting Ltd to collect a payment, confirmation of the amount and date will be given to you at the time of the request. If an error is made in the payment of your Direct Debit by Hiscox Underwriting Ltd or your bank or building society you are entitled to a full and immediate refund of the amount paid from your bank or building society. – If you receive a refund you are not entitled to, you must pay it back when Hiscox Underwriting Ltd asks you to. You can cancel a Direct Debit at anytime by simply contacting your bank or building society. Written confirmation maybe required. Please also notify us. Page / 1 Hiscox Business Insurance Policy summary JAC-PSC-UK-DC556(5.4) 17431b 07/20 Your Hiscox Business Insurance policy summaries This document contains the summaries for any policy covers you have selected to protect your business. These summaries outline the key information about your policies so you can be confident that you have understood what you have bought and what you are covered for. However, you should carefully read your policy in full and ensure that you understand its terms and conditions in full. If you have any queries, you should contact Hiscox or your insurance advisor. Your side of the bargain Remember, your premium and insurance are based on the details you have provided to us. Please make sure this information accurately reflects your business and that you inform us immediately if anything needs to change. Please also tell us of any changes in circumstances that may affect the services provided by us or the cover provided by your policy. This is particularly important before taking out a policy, but it also applies throughout the life of the policy too. You need to consider: ■if you fail to fairly present the risk to us, including by failing to disclose any information material to the insurance, you could invalidate the policy, claims may not be paid or the amount we pay maybe reduced; ■you should read and check all insurance documents to ensure that you are aware of the cover, limits and other terms that apply; ■if you fail to let us know of any changes to your circumstances during the period of insurance or, if when telling us about such changes you fail to present the risk to us fairly, you could invalidate the policy, claims may not be paid or the amount we pay maybe reduced; ■please be aware of all terms and conditions of your policy because failure to comply with them could invalidate it or result in us not paying a claim or reducing the amount we pay; ■in the event ofa claim, you should take note of the required procedures, such as giving Hiscox prompt notice of the claims, as stated in the policy documentation. In particular, if you fail to notify us when you first become aware ofa shortcoming, fact, or problem, admit you are liable for what has happened or appoint solicitors or other legal representation without our prior written approval, claims or defence costs may not be paid or the amount we pay maybe reduced; ■as with any insurance, you have an obligation to take reasonable steps to mitigate any loss or liability; ■if you make a fraudulent claim or try to deceive us, we may terminate the policy. Policy length The period of insurance is shown on your policy schedule. Your policy schedule will also show if the policy is ona continuing cover basis. If itis ona continuing cover basis, we will renew your policy each year for another 12 months and continue to take payment (including any premium adjustment shown in your renewal invitation) using your existing arrangement, unless you tell us otherwise or if your risk changes. If your policy schedule does not show that the policy is ona continuing cover basis, cover will cease at the end of the period of insurance, unless you renew your policy with us. We will provide you witha statement of fact each year and provided that the information contained within the statement of fact is true, complete and accurate, you do not need to provide us with any further information. If any of the information in your statement of fact is not true, complete and accurate, you must let us know. If you do not let us know, it may affect the validity of the policy or our ability to pay a claim. Retroactive dates, geographical and jurisdiction limits Where any section of your policy schedule includes a retroactive date, we will not make any payment for any claim or loss under that section which arises from any activity performed or any act, incident or occurrence taking place, before the retroactive date. Where any section of your policy schedule shows the geographical limits which apply to that section of the policy, we will only pay for claims and losses under that section which arise from activities performed or acts, incidents or occurrences taking place within those geographical limits. Where any section provides cover in respect of your liability to third parties, we will only cover claims first made ina country within the applicable courts stated in that section of your policy schedule. Hiscox Business Insurance Policy summary JAC-PSC-UK-DC556(5.4) 17431b 07/20 Cancellation rights You can cancel this policy by giving us 30 days' notice. You will only be charged for the premiums due up to the date of cancellation. If we need to cancel the policy, we’ll give you 30 days’ notice in writing and refund any surplus premiums you might have paid. Please note – we may deduct an administration fee from any refunded payment.There is an exception to our 30-day notice period, which is triggered when we don’t receive your Direct Debit payments within the agreed 14-day period. At this point, we will contact you as soon as possible and stop the policyPage / 2 immediately. Underwritten by:Hiscox Underwriting Ltd on behalf of the insurers named in the schedule. Page / 1 Certificate of professional indemnity insurance Carroll, Stokes and Kay Hiscox Underwriting Ltd of 1 Great St. Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Certificate of professional indemnity Insurance Policy number:18FPLPTJ-0L6B1O1 Name of policy holder:Carroll, Stokes and Kay Period of insurance: From Sun 20 April, 2025 to 2019-11-05 both days inclusive. This policy isa Continuing cover policy Insurer: Hiscox Insurance Company Limited Retroactive date: 04/04/22 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: Sun 20 April, 2025 Insurance details Policy number: 18FPLPTJ-0L6B1O1 Period of insurance: From Sun 20 April, 2025 to 2019-11-05 both days inclusive. This policy isa Continuing cover policy. Insured: Carroll, Stokes and Kay Address: 6 Smith wall East Jakemouth FARNHAM G5W 3XY Additional insureds: None Business: Management Consultants Premium details Charged premium – the total amount you’ll pay for this policy. Charged premium: £7,807.88 Insurance Premium Tax (IPT): £6,535.14 Total charged premium: £4,296.62 Annualised premium – the annual premium for this policy. This is given for comparison purposes. Please refer to the charged premium section for the amount you’ll pay for the policy. Annual premium: £7,807.88 Insurance Premium Tax (IPT): £6,535.14 Annual total: £4,296.62 Please note that there will be no refund or additional premium for any transaction which is less than £20 (excluding IPT). Hiscox Business Insurance Policy Schedule 14502 10/18 Summary Claims information If you need to make a claim: - For claims relating to your building or contents please contact our claims team on 0800 247 1902, 9.00am – 5:30pm Monday to Friday. If you wish to make a claim online, you can log most claims quickly and easily through our claims notification portal at https://claims.hiscox.co.uk/. Outside of normal business hours, if you require emergency assistance in relation to substantial damage to your property, you can speak to our 24-hour emergency assistance team using the telephone number above. Your policy schedule will state if property cover is included in your policy. Our out-of-hours emergency assistance team operate ona pay-and-claim basis and you will need to have credit card details available as appropriate. The team will then be able to direct you to essential tradesmen, emergency loss adjusters or disaster management companies in the event of substantial damage. - If there isa claim (or potential claim) against you bya third party, please email us at liability.claims@hiscox.com. If you need to speak to a member of the claims team urgently, please call our team on 0800 711 7156, 9.00am – 5:30pm Monday to Friday. If you wish to make a claim online, you can log most claims quickly and easily through our claims notification portal at https://claims.hiscox.co.uk/. You will need to provide your full name and contact details, the name of your business or organisation, your address and postcode, the policy reference and circumstances of the claim. The Important information and contact details section below contains additional information specific to the covers applicable to your policy. If you are unsure of who to contact please call our team on 0800 711 7156, 9.00am – 5:30pm Monday to Friday. They will ensure you get through to the correct claims team and let you know what actions you need to take. If anything happens that might be covered under the policy, you must comply with the obligations set out in General claims conditions, together with the obligations set out under Your obligations in the section or sections under which you are making the claim. Itis important that you read the policy for details of its terms in full. Your covers This isa summary of each section of your policy. See each section for cover details. Cover Insurance amount Excess Annual Premium (exc IPT) Professional indemnity £1,000,000 £1,000 £4,216.57 Legal protection £100,000 £0 £8,529.10 Crisis containment £25,000 - £1,771.55 The figures above are in summary only and are not in addition to the 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 20 April, 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 dataPage / 2 claims £250,000 in the aggregate, including all costs Business activities Business management consultant Retroactive date 04/04/22 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	18FPLPTJ-0L6B1O1	(?<=Policy number - )[-\w_\/\.]+?(?= Company name)	Sun 20 April, 2025	(?<=anniversary of your policy is approaching on )[-\w_\/\. ,]+?(?= \.)	null	null	Business	(?<=time to renew your Hiscox )[-\w_\/\. ]+?(?= Insurance)	2024-02-05
hiscox-business-1	Hiscox Business Insurance - Policy number - gf_v_swgw.akbsvo Company name: Brown-Stanley It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : gf_v_swgw.akbsvo. Company name: Brown-Stanley. Your Hiscox Insurance premium. Last year’s annual premium: This year’s annual premium. £ 6,501.34. £ 6,501.34. The premium includes all applicable insurance premium tax (IPT). Dear Mr Norman Price. Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 28/12/2019 . Good news; if you want cover to continue with us and to make sure you stay protected by our award-winning cover, you do not need to do anything. We will update your policy onto our latest wording and continue to collect payment using the payment details we have for you. You must read the important information contained in this email and the attached documents. Your Hiscox Insurance Premium breakdown. The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). The amount shown as last year’s Annual premium will take into account any changes to the cover which may have been made during the last policy period. Cover. Last year’s annual premium (exc IPT). This year’s annual Premium (exc IPT). Professional indemnity. £5,036.33. £5,036.33. Legal protection. £5,473.65. £5,473.65. Crisis containment. £7,724.26. Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy . Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government 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-Stanley , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay. . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover. Policy summary for each cover. ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover . As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before 28/12/2019 . We’re here between 8:30am - 5:30pm Monday to Friday . Please note that we can only discuss policy changes with people named on the policy. Why renew with Hiscox. - Reassuring: we offer a range of cover options that can be tailored to your needs. - Flexible: we offer full flexibility to change your policy, with no administration fees . - Award-winning cover : we’ve been named Best Small Business Insurer 7 years running by Start Your Business Magazine . Please click this link for the Hiscox Referral Portal: https://refer.aklamio.com/hiscox/uk?source=postpurchase. Thank you again for choosing Hiscox to insure your business. We hope you and your business have a very successful year. Kind regards. Jon Dye. CEO, Hiscox UK. Business Insurance for the small and the brave. To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre. Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. This email and any files transmitted with it are confidential and intended solely for the use of the individual or entity to whom they are addressed. No one else is authorised to distribute, forward, print, copy or act upon any information contained in this email. If you have received this email in error, please notify the sender. Hiscox Syndicates Limited and Hiscox Insurance Company Limited are authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Hiscox Underwriting Limited, Hiscox Underwriting Services Ltd, Hiscox MGA Ltd and Hiscox ASM Ltd are authorised and regulated by the Financial Conduct Authority. Hiscox Assure SAS is duly registered as an insurance broker with the ORIAS, which is the French Official Registry of Insurance Intermediaries. Hiscox plc is a company registered in England and Wales under company registration number 2837811 and registered office at 1 Great St Helen's, London EC3A 6HX. Hiscox SA is a company registered in Luxembourg at 35 Avenue John F. Kennedy 35F, Luxembourg L-1855, and is authorised by the Commissariat aux Assurances de Luxembourg. It’s time to renew your Hiscox Business Insurance Hiscox Insurance policy number : gf_v_swgw.akbsvo Company name: Brown-Stanley . It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : gf_v_swgw.akbsvo Company name: Brown-Stanley . Your Hiscox Insurance premium Last year’s annual premium: This year’s annual premium The premium includes all applicable insurance premium tax (IPT). £ 6,501.34 £ 6,501.34 . Your Hiscox Insurance premium . Last year’s annual premium: This year’s annual premium £ 6,501.34 £ 6,501.34 . The premium includes all applicable insurance premium tax (IPT). Dear Mr Norman Price . Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 28/12/2019 . Good news; if you want cover to continue with us and to make sure you stay protected by our award-winning cover, you do not need to do anything. We will update your policy onto our latest wording and continue to collect payment using the payment details we have for you. You must read the important information contained in this email and the attached documents Your Hiscox Insurance Premium breakdown The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). The amount shown as last year’s Annual premium will take into account any changes to the cover which may have been made during the last policy period. Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) Professional indemnity £5,036.33 £5,036.33 Legal protection £5,473.65 £5,473.65 Crisis containment £7,724.26 Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government 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-Stanley , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover Policy summary for each cover ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before 28/12/2019 . We’re here between 8:30am - 5:30pm Monday to Friday . Please note that we can only discuss policy changes with people named on the policy. Why renew with Hiscox - Reassuring: we offer a range of cover options that can be tailored to your needs - Flexible: we offer full flexibility to change your policy, with no administration fees - Award-winning cover : we’ve been named Best Small Business Insurer 7 years running by Start Your Business Magazine Please click this link for the Hiscox Referral Portal: https://refer.aklamio.com/hiscox/uk?source=postpurchase Thank you again for choosing Hiscox to insure your business. We hope you and your business have a very successful year. Kind regards Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 28/12/2019 . Good news; if you want cover to continue with us and to make sure you stay protected by our award-winning cover, you do not need to do anything. We will update your policy onto our latest wording and continue to collect payment using the payment details we have for you. You must read the important information contained in this email and the attached documents Your Hiscox Insurance Premium breakdown The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). The amount shown as last year’s Annual premium will take into account any changes to the cover which may have been made during the last policy period. Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) Professional indemnity £5,036.33 £5,036.33 Legal protection £5,473.65 £5,473.65 Crisis containment £7,724.26 Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government 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-Stanley , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover Policy summary for each cover ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before 28/12/2019 . We’re here between 8:30am - 5:30pm Monday to Friday . Please note that we can only discuss policy changes with people named on the policy. Why renew with Hiscox - Reassuring: we offer a range of cover options that can be tailored to your needs - Flexible: we offer full flexibility to change your policy, with no administration fees - Award-winning cover : we’ve been named Best Small Business Insurer 7 years running by Start Your Business Magazine Please click this link for the Hiscox Referral Portal: https://refer.aklamio.com/hiscox/uk?source=postpurchase Thank you again for choosing Hiscox to insure your business. We hope you and your business have a very successful year. Kind regards Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Your Hiscox Insurance Premium breakdown The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). Cover Professional indemnity Legal protection Crisis containment . Last year’s annual premium (exc IPT) £5,036.33 £5,473.65 £7,724.26 . This year’s annual Premium (exc IPT) £5,036.33 £5,473.65 . Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) . Professional indemnity £5,036.33 £5,036.33 . Legal protection £5,473.65 £5,473.65 . Crisis containment £7,724.26 . Kind regards Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre . Kind regards . Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave . To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre . Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Page / 1 Hiscox Business Insurance Policy wording 17431a - DC565 WORDING 04/17Guide to sectionsIntroduction Policy wordings General terms and conditions Professional indemnity for business management consultants Legal protection Crisis containment Hiscox Business Insurance Policy wording 17431a - DC565 WORDING 04/17IntroductionThank you for choosing Hiscox to protect your business. We hope that the language and layout of this policy wording are clear because we want you to understand the insurance we provide as well as the responsibilities we have to each other. Please read this document, including the policy schedule, policy summary and statement of fact, and let us know as soon as possible if any of the details are shown incorrectly. We always try to deliver to the highest standards of service. Your views are important to us, so if you feel that our service is below the standard you would expect from Hiscox, please contact us on the phone number shown in your policy schedule. Please note that some of the words we use in this insurance are shown in bold type. These words are defined in each section of the wording. Page / 1 Hiscox Insurance Payment schedule Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Thank you for continuing to pay for your policy by Direct Debit. Please check these details and let us know if anything is incorrect or if the schedule is not suitable. Your reference details Account holder name: Norman Price Frequency of collection: Annual Sort code: %BANK_SORT_CODE_1% Account number: %BANK_ACCOUNT_NUMBER_1% Your Direct Debit schedule We will take payments on the dates outlined below: Date Amount 2024-06-28 £6,501.34 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: gf_v_swgw.akbsvo If you have any questions about your policy or payments, please call us on 0800 280 0351. We’re here between 8:30am - 5:30pm Monday to Friday or you can email us at service@hiscox.co.uk. Using your personal information Hiscox isa trading name ofa number of Hiscox companies. The specific company acting asa data controller of your personal information will be listed in the documentation we provide to you. If you are unsure you can also contact us at anytime by telephoning 01904 681198 or by emailing us at dataprotectionofficer@hiscox.com. We collect and process information about you in order to provide insurance policies and to process claims. Your information is also used for business purposes such as fraud prevention and detection and financial management. This may involve sharing your information with, and obtaining information about you from, our group companies and third parties such as brokers, loss adjusters, credit reference agencies, service providers, professional advisors, our regulators or fraud prevention agencies. We may record telephone calls to help us monitor and improve the service we provide. For further information on how your information is used and your rights in relation to your information please see our privacy policy at www.hiscox.co.uk/cookies-privacy. The Direct Debit Guarantee This Guarantee is offered by all banks and building societies that accept instructions to pay Direct Debits. If there are any changes to the amount, date or frequency of your Direct Debit Hiscox Underwriting Ltd will notify you ten working days in advance of your account being debited or as otherwise agreed. If you request Hiscox Underwriting Ltd to collect a payment, confirmation of the amount and date will be given to you at the time of the request. If an error is made in the payment of your Direct Debit by Hiscox Underwriting Ltd or your bank or building society you are entitled to a full and immediate refund of the amount paid from your bank or building society. – If you receive a refund you are not entitled to, you must pay it back when Hiscox Underwriting Ltd asks you to. You can cancel a Direct Debit at anytime by simply contacting your bank or building society. Written confirmation maybe required. Please also notify us. Page / 1 Hiscox Business Insurance Policy summary JAC-PSC-UK-DC556(5.4) 17431b 07/20 Your Hiscox Business Insurance policy summaries This document contains the summaries for any policy covers you have selected to protect your business. These summaries outline the key information about your policies so you can be confident that you have understood what you have bought and what you are covered for. However, you should carefully read your policy in full and ensure that you understand its terms and conditions in full. If you have any queries, you should contact Hiscox or your insurance advisor. Your side of the bargain Remember, your premium and insurance are based on the details you have provided to us. Please make sure this information accurately reflects your business and that you inform us immediately if anything needs to change. Please also tell us of any changes in circumstances that may affect the services provided by us or the cover provided by your policy. This is particularly important before taking out a policy, but it also applies throughout the life of the policy too. You need to consider: ■if you fail to fairly present the risk to us, including by failing to disclose any information material to the insurance, you could invalidate the policy, claims may not be paid or the amount we pay maybe reduced; ■you should read and check all insurance documents to ensure that you are aware of the cover, limits and other terms that apply; ■if you fail to let us know of any changes to your circumstances during the period of insurance or, if when telling us about such changes you fail to present the risk to us fairly, you could invalidate the policy, claims may not be paid or the amount we pay maybe reduced; ■please be aware of all terms and conditions of your policy because failure to comply with them could invalidate it or result in us not paying a claim or reducing the amount we pay; ■in the event ofa claim, you should take note of the required procedures, such as giving Hiscox prompt notice of the claims, as stated in the policy documentation. In particular, if you fail to notify us when you first become aware ofa shortcoming, fact, or problem, admit you are liable for what has happened or appoint solicitors or other legal representation without our prior written approval, claims or defence costs may not be paid or the amount we pay maybe reduced; ■as with any insurance, you have an obligation to take reasonable steps to mitigate any loss or liability; ■if you make a fraudulent claim or try to deceive us, we may terminate the policy. Policy length The period of insurance is shown on your policy schedule. Your policy schedule will also show if the policy is ona continuing cover basis. If itis ona continuing cover basis, we will renew your policy each year for another 12 months and continue to take payment (including any premium adjustment shown in your renewal invitation) using your existing arrangement, unless you tell us otherwise or if your risk changes. If your policy schedule does not show that the policy is ona continuing cover basis, cover will cease at the end of the period of insurance, unless you renew your policy with us. We will provide you witha statement of fact each year and provided that the information contained within the statement of fact is true, complete and accurate, you do not need to provide us with any further information. If any of the information in your statement of fact is not true, complete and accurate, you must let us know. If you do not let us know, it may affect the validity of the policy or our ability to pay a claim. Retroactive dates, geographical and jurisdiction limits Where any section of your policy schedule includes a retroactive date, we will not make any payment for any claim or loss under that section which arises from any activity performed or any act, incident or occurrence taking place, before the retroactive date. Where any section of your policy schedule shows the geographical limits which apply to that section of the policy, we will only pay for claims and losses under that section which arise from activities performed or acts, incidents or occurrences taking place within those geographical limits. Where any section provides cover in respect of your liability to third parties, we will only cover claims first made ina country within the applicable courts stated in that section of your policy schedule. Hiscox Business Insurance Policy summary JAC-PSC-UK-DC556(5.4) 17431b 07/20 Cancellation rights You can cancel this policy by giving us 30 days' notice. You will only be charged for the premiums due up to the date of cancellation. If we need to cancel the policy, we’ll give you 30 days’ notice in writing and refund any surplus premiums you might have paid. Please note – we may deduct an administration fee from any refunded payment.There is an exception to our 30-day notice period, which is triggered when we don’t receive your Direct Debit payments within the agreed 14-day period. At this point, we will contact you as soon as possible and stop the 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-Stanley Hiscox Underwriting Ltd of 1 Great St. Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Certificate of professional indemnity Insurance Policy number:gf_v_swgw.akbsvo Name of policy holder:Brown-Stanley Period of insurance: From 28/12/2019 to 08/07/2020 both days inclusive. This policy isa Continuing cover policy Insurer: Hiscox Insurance Company Limited Retroactive date: 2022-07-30 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: 28/12/2019 Insurance details Policy number: gf_v_swgw.akbsvo Period of insurance: From 28/12/2019 to 08/07/2020 both days inclusive. This policy isa Continuing cover policy. Insured: Brown-Stanley Address: 327 Thomas circle South Maria FARNHAM BL8X 7NA Additional insureds: None Business: Management Consultants Premium details Charged premium – the total amount you’ll pay for this policy. Charged premium: £2,844.13 Insurance Premium Tax (IPT): £7,711.32 Total charged premium: £6,501.34 Annualised premium – the annual premium for this policy. This is given for comparison purposes. Please refer to the charged premium section for the amount you’ll pay for the policy. Annual premium: £2,844.13 Insurance Premium Tax (IPT): £7,711.32 Annual total: £6,501.34 Please note that there will be no refund or additional premium for any transaction which is less than £20 (excluding IPT). Hiscox Business Insurance Policy Schedule 14502 10/18 Summary Claims information If you need to make a claim: - For claims relating to your building or contents please contact our claims team on 0800 247 1902, 9.00am – 5:30pm Monday to Friday. If you wish to make a claim online, you can log most claims quickly and easily through our claims notification portal at https://claims.hiscox.co.uk/. Outside of normal business hours, if you require emergency assistance in relation to substantial damage to your property, you can speak to our 24-hour emergency assistance team using the telephone number above. Your policy schedule will state if property cover is included in your policy. Our out-of-hours emergency assistance team operate ona pay-and-claim basis and you will need to have credit card details available as appropriate. The team will then be able to direct you to essential tradesmen, emergency loss adjusters or disaster management companies in the event of substantial damage. - If there isa claim (or potential claim) against you bya third party, please email us at liability.claims@hiscox.com. If you need to speak to a member of the claims team urgently, please call our team on 0800 711 7156, 9.00am – 5:30pm Monday to Friday. If you wish to make a claim online, you can log most claims quickly and easily through our claims notification portal at https://claims.hiscox.co.uk/. You will need to provide your full name and contact details, the name of your business or organisation, your address and postcode, the policy reference and circumstances of the claim. The Important information and contact details section below contains additional information specific to the covers applicable to your policy. If you are unsure of who to contact please call our team on 0800 711 7156, 9.00am – 5:30pm Monday to Friday. They will ensure you get through to the correct claims team and let you know what actions you need to take. If anything happens that might be covered under the policy, you must comply with the obligations set out in General claims conditions, together with the obligations set out under Your obligations in the section or sections under which you are making the claim. Itis important that you read the policy for details of its terms in full. Your covers This isa summary of each section of your policy. See each section for cover details. Cover Insurance amount Excess Annual Premium (exc IPT) Professional indemnity £1,000,000 £1,000 £5,036.33 Legal protection £100,000 £0 £5,473.65 Crisis containment £25,000 - £7,724.26 The figures above are in summary only and are not in addition to the amount insured specified against each cover section below. Hiscox Business Insurance Policy Schedule 14502 10/18 SECTION: PROFESSIONAL INDEMNITY – MANAGEMENT CONSULTANTS Cover start date: 28/12/2019 Limit of indemnity £1,000,000 Limit applies to in the aggregate, including all costs Excess £1,000 Excess applies to each and every claim or loss, including all costs Geographical limits Worldwide Applicable courts Worldwide (excluding United States of America and Canada) Claims brought in USA or Canada Not covered Additional covers (in addition to overall limit of indemnity stated above) Cover Limit of indemnity Limit applies to Court attendance compensation - employees £250 per person, per day Court attendance compensation - directors and partners£500 per person, per day Court attendance compensation: in total £100,000 in the aggregate Special limits (included within not in addition to the overall limit of indemnity stated above) Cover Limit of indemnity Limit applies to Personal dataPage / 2 claims £250,000 in the aggregate, including all costs Business activities Business management consultant Retroactive date 2022-07-30 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	gf_v_swgw.akbsvo	(?<=Policy number - )[-\w_\/\.]+?(?= Company name)	28/12/2019	(?<=anniversary of your policy is approaching on )[-\w_\/\. ,]+?(?= \.)	null	null	Business	(?<=time to renew your Hiscox )[-\w_\/\. ]+?(?= Insurance)	2024-02-05
hiscox-business-1	Hiscox Business Insurance - Policy number - ZGQTOVXBG Company name: Taylor LLC It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : ZGQTOVXBG. Company name: Taylor LLC. Your Hiscox Insurance premium. Last year’s annual premium: This year’s annual premium. £ 3,416.57. £ 3,416.57. The premium includes all applicable insurance premium tax (IPT). Dear Dr Roger Stevenson. 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. £7,087.46. £7,087.46. Legal protection. £2,010.90. £2,010.90. Crisis containment. £5,048.38. Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy . Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government 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 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 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 : ZGQTOVXBG Company name: Taylor LLC . It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : ZGQTOVXBG Company name: Taylor LLC . Your Hiscox Insurance premium Last year’s annual premium: This year’s annual premium The premium includes all applicable insurance premium tax (IPT). £ 3,416.57 £ 3,416.57 . Your Hiscox Insurance premium . Last year’s annual premium: This year’s annual premium £ 3,416.57 £ 3,416.57 . The premium includes all applicable insurance premium tax (IPT). Dear Dr Roger Stevenson . 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 £7,087.46 £7,087.46 Legal protection £2,010.90 £2,010.90 Crisis containment £5,048.38 Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government 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 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 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 £7,087.46 £7,087.46 Legal protection £2,010.90 £2,010.90 Crisis containment £5,048.38 Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government 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 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 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) £7,087.46 £2,010.90 £5,048.38 . This year’s annual Premium (exc IPT) £7,087.46 £2,010.90 . Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) . Professional indemnity £7,087.46 £7,087.46 . Legal protection £2,010.90 £2,010.90 . Crisis containment £5,048.38 . Kind regards Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre . Kind regards . Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave . To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre . Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Page / 1 Hiscox Business Insurance Policy wording 17431a - DC565 WORDING 04/17Guide to sectionsIntroduction Policy wordings General terms and conditions Professional indemnity for business management consultants Legal protection Crisis containment Hiscox Business Insurance Policy wording 17431a - DC565 WORDING 04/17IntroductionThank you for choosing Hiscox to protect your business. We hope that the language and layout of this policy wording are clear because we want you to understand the insurance we provide as well as the responsibilities we have to each other. Please read this document, including the policy schedule, policy summary and statement of fact, and let us know as soon as possible if any of the details are shown incorrectly. We always try to deliver to the highest standards of service. Your views are important to us, so if you feel that our service is below the standard you would expect from Hiscox, please contact us on the phone number shown in your policy schedule. Please note that some of the words we use in this insurance are shown in bold type. These words are defined in each section of the wording. Page / 1 Hiscox Insurance Payment schedule Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Thank you for continuing to pay for your policy by Direct Debit. Please check these details and let us know if anything is incorrect or if the schedule is not suitable. Your reference details Account holder name: Roger Stevenson Frequency of collection: Annual Sort code: %BANK_SORT_CODE_1% Account number: %BANK_ACCOUNT_NUMBER_1% Your Direct Debit schedule We will take payments on the dates outlined below: Date Amount 31/05/21 £3,416.57 Where your chosen collection date falls ona non-working day then we will endeavour to collect the next working day. For your information, the collections will be made using the following reference number: Originator Identification Number: 293461 Reference Number: ZGQTOVXBG If you have any questions about your policy or payments, please call us on 0800 280 0351. We’re here between 8:30am - 5:30pm Monday to Friday or you can email us at service@hiscox.co.uk. Using your personal information Hiscox isa trading name ofa number of Hiscox companies. The specific company acting asa data controller of your personal information will be listed in the documentation we provide to you. If you are unsure you can also contact us at anytime by telephoning 01904 681198 or by emailing us at dataprotectionofficer@hiscox.com. We collect and process information about you in order to provide insurance policies and to process claims. Your information is also used for business purposes such as fraud prevention and detection and financial management. This may involve sharing your information with, and obtaining information about you from, our group companies and third parties such as brokers, loss adjusters, credit reference agencies, service providers, professional advisors, our regulators or fraud prevention agencies. We may record telephone calls to help us monitor and improve the service we provide. For further information on how your information is used and your rights in relation to your information please see our privacy policy at www.hiscox.co.uk/cookies-privacy. The Direct Debit Guarantee This Guarantee is offered by all banks and building societies that accept instructions to pay Direct Debits. If there are any changes to the amount, date or frequency of your Direct Debit Hiscox Underwriting Ltd will notify you ten working days in advance of your account being debited or as otherwise agreed. If you request Hiscox Underwriting Ltd to collect a payment, confirmation of the amount and date will be given to you at the time of the request. If an error is made in the payment of your Direct Debit by Hiscox Underwriting Ltd or your bank or building society you are entitled to a full and immediate refund of the amount paid from your bank or building society. – If you receive a refund you are not entitled to, you must pay it back when Hiscox Underwriting Ltd asks you to. You can cancel a Direct Debit at anytime by simply contacting your bank or building society. Written confirmation maybe required. Please also notify us. Page / 1 Hiscox Business Insurance Policy summary JAC-PSC-UK-DC556(5.4) 17431b 07/20 Your Hiscox Business Insurance policy summaries This document contains the summaries for any policy covers you have selected to protect your business. These summaries outline the key information about your policies so you can be confident that you have understood what you have bought and what you are covered for. However, you should carefully read your policy in full and ensure that you understand its terms and conditions in full. If you have any queries, you should contact Hiscox or your insurance advisor. Your side of the bargain Remember, your premium and insurance are based on the details you have provided to us. Please make sure this information accurately reflects your business and that you inform us immediately if anything needs to change. Please also tell us of any changes in circumstances that may affect the services provided by us or the cover provided by your policy. This is particularly important before taking out a policy, but it also applies throughout the life of the policy too. You need to consider: ■if you fail to fairly present the risk to us, including by failing to disclose any information material to the insurance, you could invalidate the policy, claims may not be paid or the amount we pay maybe reduced; ■you should read and check all insurance documents to ensure that you are aware of the cover, limits and other terms that apply; ■if you fail to let us know of any changes to your circumstances during the period of insurance or, if when telling us about such changes you fail to present the risk to us fairly, you could invalidate the policy, claims may not be paid or the amount we pay maybe reduced; ■please be aware of all terms and conditions of your policy because failure to comply with them could invalidate it or result in us not paying a claim or reducing the amount we pay; ■in the event ofa claim, you should take note of the required procedures, such as giving Hiscox prompt notice of the claims, as stated in the policy documentation. In particular, if you fail to notify us when you first become aware ofa shortcoming, fact, or problem, admit you are liable for what has happened or appoint solicitors or other legal representation without our prior written approval, claims or defence costs may not be paid or the amount we pay maybe reduced; ■as with any insurance, you have an obligation to take reasonable steps to mitigate any loss or liability; ■if you make a fraudulent claim or try to deceive us, we may terminate the policy. Policy length The period of insurance is shown on your policy schedule. Your policy schedule will also show if the policy is ona continuing cover basis. If itis ona continuing cover basis, we will renew your policy each year for another 12 months and continue to take payment (including any premium adjustment shown in your renewal invitation) using your existing arrangement, unless you tell us otherwise or if your risk changes. If your policy schedule does not show that the policy is ona continuing cover basis, cover will cease at the end of the period of insurance, unless you renew your policy with us. We will provide you witha statement of fact each year and provided that the information contained within the statement of fact is true, complete and accurate, you do not need to provide us with any further information. If any of the information in your statement of fact is not true, complete and accurate, you must let us know. If you do not let us know, it may affect the validity of the policy or our ability to pay a claim. Retroactive dates, geographical and jurisdiction limits Where any section of your policy schedule includes a retroactive date, we will not make any payment for any claim or loss under that section which arises from any activity performed or any act, incident or occurrence taking place, before the retroactive date. Where any section of your policy schedule shows the geographical limits which apply to that section of the policy, we will only pay for claims and losses under that section which arise from activities performed or acts, incidents or occurrences taking place within those geographical limits. Where any section provides cover in respect of your liability to third parties, we will only cover claims first made ina country within the applicable courts stated in that section of your policy schedule. Hiscox Business Insurance Policy summary JAC-PSC-UK-DC556(5.4) 17431b 07/20 Cancellation rights You can cancel this policy by giving us 30 days' notice. You will only be charged for the premiums due up to the date of cancellation. If we need to cancel the policy, we’ll give you 30 days’ notice in writing and refund any surplus premiums you might have paid. Please note – we may deduct an administration fee from any refunded payment.There is an exception to our 30-day notice period, which is triggered when we don’t receive your Direct Debit payments within the agreed 14-day period. At this point, we will contact you as soon as possible and stop the 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 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:ZGQTOVXBG Name of policy holder:Taylor LLC Period of insurance: From Mon 23 May, 2022 to Sun 10 November, 2019 both days inclusive. This policy isa Continuing cover policy Insurer: Hiscox Insurance Company Limited Retroactive date: 29 July, 2021 Level of cover:£1,000,000 Signed on behalf of Hiscox Underwriting Limited as agent for the insurers Jon Dye CEO, Hiscox UK Notes: (a) This insurance is subject to policy terms and conditions and any special terms notified to the InsuredPage / 1 Hiscox Business Insurance Policy Schedule 14502 10/18 This schedule tells you what is insured with us. It should be read carefully with your policy wording(s) and statement of fact detailed elsewhere in this document. Schedule effective date: Mon 23 May, 2022 Insurance details Policy number: ZGQTOVXBG Period of insurance: From Mon 23 May, 2022 to Sun 10 November, 2019 both days inclusive. This policy isa Continuing cover policy. Insured: Taylor LLC Address: 5 Edwards loop Daviestown FARNHAM S99 8NH Additional insureds: None Business: Management Consultants Premium details Charged premium – the total amount you’ll pay for this policy. Charged premium: £4,747.35 Insurance Premium Tax (IPT): £6,996.84 Total charged premium: £3,416.57 Annualised premium – the annual premium for this policy. This is given for comparison purposes. Please refer to the charged premium section for the amount you’ll pay for the policy. Annual premium: £4,747.35 Insurance Premium Tax (IPT): £6,996.84 Annual total: £3,416.57 Please note that there will be no refund or additional premium for any transaction which is less than £20 (excluding IPT). Hiscox Business Insurance Policy Schedule 14502 10/18 Summary Claims information If you need to make a claim: - For claims relating to your building or contents please contact our claims team on 0800 247 1902, 9.00am – 5:30pm Monday to Friday. If you wish to make a claim online, you can log most claims quickly and easily through our claims notification portal at https://claims.hiscox.co.uk/. Outside of normal business hours, if you require emergency assistance in relation to substantial damage to your property, you can speak to our 24-hour emergency assistance team using the telephone number above. Your policy schedule will state if property cover is included in your policy. Our out-of-hours emergency assistance team operate ona pay-and-claim basis and you will need to have credit card details available as appropriate. The team will then be able to direct you to essential tradesmen, emergency loss adjusters or disaster management companies in the event of substantial damage. - If there isa claim (or potential claim) against you bya third party, please email us at liability.claims@hiscox.com. If you need to speak to a member of the claims team urgently, please call our team on 0800 711 7156, 9.00am – 5:30pm Monday to Friday. If you wish to make a claim online, you can log most claims quickly and easily through our claims notification portal at https://claims.hiscox.co.uk/. You will need to provide your full name and contact details, the name of your business or organisation, your address and postcode, the policy reference and circumstances of the claim. The Important information and contact details section below contains additional information specific to the covers applicable to your policy. If you are unsure of who to contact please call our team on 0800 711 7156, 9.00am – 5:30pm Monday to Friday. They will ensure you get through to the correct claims team and let you know what actions you need to take. If anything happens that might be covered under the policy, you must comply with the obligations set out in General claims conditions, together with the obligations set out under Your obligations in the section or sections under which you are making the claim. Itis important that you read the policy for details of its terms in full. Your covers This isa summary of each section of your policy. See each section for cover details. Cover Insurance amount Excess Annual Premium (exc IPT) Professional indemnity £1,000,000 £1,000 £7,087.46 Legal protection £100,000 £0 £2,010.90 Crisis containment £25,000 - £5,048.38 The figures above are in summary only and are not in addition to the 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 dataPage / 2 claims £250,000 in the aggregate, including all costs Business activities Business management consultant Retroactive date 29 July, 2021 Insurer Hiscox Insurance Company LimitedPage / 1 Hiscox Insurance Summary of change Introduction This document has been created to help you understand the key changes to your Hiscox Insurance policy and how they may impact you. Your policy continues to offer professional, tailored insurance to protect you and give you peace of mind that if you need us, you will be supported by our award winning claims team. If you have a query not covered by this document, or if you have any questions or concerns about your policy you should contact us. Frequently asked questions What if my circumstances change during the period of insurance? If your circumstances change during the period of insurance, you only need to let us know if the change means that any of the information in the Statement of Fact is no longer true, complete and accurate. If there are no such changes, you do not need to let us know. If any of the information within the Statement of Fact becomes no longer complete, true or accurate at any point during the period of insurance you must tell us as it may affect the validity of the policy or our ability to pay a claim. Additionally, if your contact details change then you should let us know straightaway. Where doI find the limits that apply to my policy? You can find your maximum allowable limits for turnover and wage rollin your Statement of Fact. You must check this information and tell us or your broker if you expect to exceed the maximum amounts shown. Please note these values may have changed. If there are special limits or special excesses applying to particular covers or types of losses these will be shown in the policy schedule. Please check your policy schedule carefully as they may have changed. My new schedule shows a different premium to last year? What has changed? If an underwriter has reviewed your policy then they may have manually adjusted your premium, for example if you’ve had claims in the last 12 months. Where doI find out about any endorsements on my policy? You will be able to see if an endorsement has been applied or removed by reviewing your Policy Schedule. If you have any queries or concerns, please contact us or your broker if you have one. Hiscox Insurance Summary of change Professional indemnity for business management consultants Summary of change Changes to the cover The following table shows the differences between our new policy wordings (5570 WD- PROF-UK-MAN(7), 15579 WD-PROF-UK-MAN-AG(3)) and our previous wordings (5570 WD-PROF-UK-MAN(6), 15579 WD-PROF-UK-MAN-AG(2)). This isa summary of the changes only. You should refer to the schedule and policy wording for the full description of the cover in place. Area of cover Previous policy New policy Improvement in cover Claims against you Advertising claims. We will pay claims arising from your advertising or branding for defamation or infringement of copyright or moral rights. This does not include claims for passing off, unauthorised use of trademarks or false or misleading advertising. Previously cover was not restricted to defamation or the infringement of copyright or moral rights.Covered Amended Your own lossesChanges to ‘what is covered’ Losses from dishonesty. Your losses arising from the dishonesty of your employees, sub-contractors or outsourcers.Covered Not covered Area of cover Previous policy New policy Improvement in cover Cyber incident. We will not pay claims relating to an actual or possible cyber attack, hacker or social engineering communication. Previously we excluded any virus not specifically targeted at your system.Covered Not covered Computer or digital technology error. We will not pay claims arising from any negligent act, error or omission in the operation or maintenance of computer or digital technology such as development, installation, patching or upgrading.Covered Not coveredChanges to ‘what is not covered’ Infrastructure. We will not pay claims arising from the failure of the service provided by internet, telecommunications, utilities or other infrastructure providers.Covered Not covered Hiscox Insurance Summary of change Personal data. We will not pay claims relating to personal data. We will pay such claims where they arise from your performance ofa business activity and which is not otherwise excluded. Subject to the limit shown in the schedule.Covered Not covered Other important changes Control of defence. Under the previous wording we had a duty to defend you against any covered claim brought against you. We now have the right but not the obligation to take control of the conduct of the claim including the appointment of legal representation. Please refer to the policy wording for full details. SOC-PROF-UK-MAN(1) 21367 01/21	ZGQTOVXBG	(?<=Policy number - )[-\w_\/\.]+?(?= Company name)	Mon 23 May, 2022	(?<=anniversary of your policy is approaching on )[-\w_\/\. ,]+?(?= \.)	null	null	Business	(?<=time to renew your Hiscox )[-\w_\/\. ]+?(?= Insurance)	2024-02-05
hiscox-business-1	Hiscox Business Insurance - Policy number - XMJ-RWWYTX.YOUX Company name: Griffiths-Patel It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : XMJ-RWWYTX.YOUX. Company name: Griffiths-Patel. Your Hiscox Insurance premium. Last year’s annual premium: This year’s annual premium. £ 5,653.82. £ 5,653.82. The premium includes all applicable insurance premium tax (IPT). Dear Ms Mrs Andrea Lawrence. Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 10/12/2024 . 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. £8,091.00. £8,091.00. Legal protection. £6,984.64. £6,984.64. Crisis containment. £7,048.03. Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy . Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government 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-Patel , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay. . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover. Policy summary for each cover. ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover . As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before 10/12/2024 . 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 : XMJ-RWWYTX.YOUX Company name: Griffiths-Patel . It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : XMJ-RWWYTX.YOUX Company name: Griffiths-Patel . Your Hiscox Insurance premium Last year’s annual premium: This year’s annual premium The premium includes all applicable insurance premium tax (IPT). £ 5,653.82 £ 5,653.82 . Your Hiscox Insurance premium . Last year’s annual premium: This year’s annual premium £ 5,653.82 £ 5,653.82 . The premium includes all applicable insurance premium tax (IPT). Dear Ms Mrs Andrea Lawrence . Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 10/12/2024 . 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 £8,091.00 £8,091.00 Legal protection £6,984.64 £6,984.64 Crisis containment £7,048.03 Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government 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-Patel , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover Policy summary for each cover ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before 10/12/2024 . 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 10/12/2024 . 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 £8,091.00 £8,091.00 Legal protection £6,984.64 £6,984.64 Crisis containment £7,048.03 Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government 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-Patel , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover Policy summary for each cover ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before 10/12/2024 . 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) £8,091.00 £6,984.64 £7,048.03 . This year’s annual Premium (exc IPT) £8,091.00 £6,984.64 . Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) . Professional indemnity £8,091.00 £8,091.00 . Legal protection £6,984.64 £6,984.64 . Crisis containment £7,048.03 . Kind regards Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre . Kind regards . Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave . To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre . Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Page / 1 Hiscox Business Insurance Policy wording 17431a - DC565 WORDING 04/17Guide to sectionsIntroduction Policy wordings General terms and conditions Professional indemnity for business management consultants Legal protection Crisis containment Hiscox Business Insurance Policy wording 17431a - DC565 WORDING 04/17IntroductionThank you for choosing Hiscox to protect your business. We hope that the language and layout of this policy wording are clear because we want you to understand the insurance we provide as well as the responsibilities we have to each other. Please read this document, including the policy schedule, policy summary and statement of fact, and let us know as soon as possible if any of the details are shown incorrectly. We always try to deliver to the highest standards of service. Your views are important to us, so if you feel that our service is below the standard you would expect from Hiscox, please contact us on the phone number shown in your policy schedule. Please note that some of the words we use in this insurance are shown in bold type. These words are defined in each section of the wording. Page / 1 Hiscox Insurance Payment schedule Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Thank you for continuing to pay for your policy by Direct Debit. Please 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 Andrea Lawrence Frequency of collection: Annual Sort code: %BANK_SORT_CODE_1% Account number: %BANK_ACCOUNT_NUMBER_1% Your Direct Debit schedule We will take payments on the dates outlined below: Date Amount 2022-07-09 £5,653.82 Where your chosen collection date falls ona non-working day then we will endeavour to collect the next working day. For your information, the collections will be made using the following reference number: Originator Identification Number: 293461 Reference Number: XMJ-RWWYTX.YOUX If you have any questions about your policy or payments, please call us on 0800 280 0351. We’re here between 8:30am - 5:30pm Monday to Friday or you can email us at service@hiscox.co.uk. Using your personal information Hiscox isa trading name ofa number of Hiscox companies. The specific company acting asa data controller of your personal information will be listed in the documentation we provide to you. If you are unsure you can also contact us at anytime by telephoning 01904 681198 or by emailing us at dataprotectionofficer@hiscox.com. We collect and process information about you in order to provide insurance policies and to process claims. Your information is also used for business purposes such as fraud prevention and detection and financial management. This may involve sharing your information with, and obtaining information about you from, our group companies and third parties such as brokers, loss adjusters, credit reference agencies, service providers, professional advisors, our regulators or fraud prevention agencies. We may record telephone calls to help us monitor and improve the service we provide. For further information on how your information is used and your rights in relation to your information please see our privacy policy at www.hiscox.co.uk/cookies-privacy. The Direct Debit Guarantee This Guarantee is offered by all banks and building societies that accept instructions to pay Direct Debits. If there are any changes to the amount, date or frequency of your Direct Debit Hiscox Underwriting Ltd will notify you ten working days in advance of your account being debited or as otherwise agreed. If you request Hiscox Underwriting Ltd to collect a payment, confirmation of the amount and date will be given to you at the time of the request. If an error is made in the payment of your Direct Debit by Hiscox Underwriting Ltd or your bank or building society you are entitled to a full and immediate refund of the amount paid from your bank or building society. – If you receive a refund you are not entitled to, you must pay it back when Hiscox Underwriting Ltd asks you to. You can cancel a Direct Debit at anytime by simply contacting your bank or building society. Written confirmation maybe required. Please also notify us. Page / 1 Hiscox Business Insurance Policy summary JAC-PSC-UK-DC556(5.4) 17431b 07/20 Your Hiscox Business Insurance policy summaries This document contains the summaries for any policy covers you have selected to protect your business. These summaries outline the key information about your policies so you can be confident that you have understood what you have bought and what you are covered for. However, you should carefully read your policy in full and ensure that you understand its terms and conditions in full. If you have any queries, you should contact Hiscox or your insurance advisor. Your side of the bargain Remember, your premium and insurance are based on the details you have provided to us. Please make sure this information accurately reflects your business and that you inform us immediately if anything needs to change. Please also tell us of any changes in circumstances that may affect the services provided by us or the cover provided by your policy. This is particularly important before taking out a policy, but it also applies throughout the life of the policy too. You need to consider: ■if you fail to fairly present the risk to us, including by failing to disclose any information material to the insurance, you could invalidate the policy, claims may not be paid or the amount we pay maybe reduced; ■you should read and check all insurance documents to ensure that you are aware of the cover, limits and other terms that apply; ■if you fail to let us know of any changes to your circumstances during the period of insurance or, if when telling us about such changes you fail to present the risk to us fairly, you could invalidate the policy, claims may not be paid or the amount we pay maybe reduced; ■please be aware of all terms and conditions of your policy because failure to comply with them could invalidate it or result in us not paying a claim or reducing the amount we pay; ■in the event ofa claim, you should take note of the required procedures, such as giving Hiscox prompt notice of the claims, as stated in the policy documentation. In particular, if you fail to notify us when you first become aware ofa shortcoming, fact, or problem, admit you are liable for what has happened or appoint solicitors or other legal representation without our prior written approval, claims or defence costs may not be paid or the amount we pay maybe reduced; ■as with any insurance, you have an obligation to take reasonable steps to mitigate any loss or liability; ■if you make a fraudulent claim or try to deceive us, we may terminate the policy. Policy length The period of insurance is shown on your policy schedule. Your policy schedule will also show if the policy is ona continuing cover basis. If itis ona continuing cover basis, we will renew your policy each year for another 12 months and continue to take payment (including any premium adjustment shown in your renewal invitation) using your existing arrangement, unless you tell us otherwise or if your risk changes. If your policy schedule does not show that the policy is ona continuing cover basis, cover will cease at the end of the period of insurance, unless you renew your policy with us. We will provide you witha statement of fact each year and provided that the information contained within the statement of fact is true, complete and accurate, you do not need to provide us with any further information. If any of the information in your statement of fact is not true, complete and accurate, you must let us know. If you do not let us know, it may affect the validity of the policy or our ability to pay a claim. Retroactive dates, geographical and jurisdiction limits Where any section of your policy schedule includes a retroactive date, we will not make any payment for any claim or loss under that section which arises from any activity performed or any act, incident or occurrence taking place, before the retroactive date. Where any section of your policy schedule shows the geographical limits which apply to that section of the policy, we will only pay for claims and losses under that section which arise from activities performed or acts, incidents or occurrences taking place within those geographical limits. Where any section provides cover in respect of your liability to third parties, we will only cover claims first made ina country within the applicable courts stated in that section of your policy schedule. Hiscox Business Insurance Policy summary JAC-PSC-UK-DC556(5.4) 17431b 07/20 Cancellation rights You can cancel this policy by giving us 30 days' notice. You will only be charged for the premiums due up to the date of cancellation. If we need to cancel the policy, we’ll give you 30 days’ notice in writing and refund any surplus premiums you might have paid. Please note – we may deduct an administration fee from any refunded payment.There is an exception to our 30-day notice period, which is triggered when we don’t receive your Direct Debit payments within the agreed 14-day period. At this point, we will contact you as soon as possible and stop the 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-Patel Hiscox Underwriting Ltd of 1 Great St. Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Certificate of professional indemnity Insurance Policy number:XMJ-RWWYTX.YOUX Name of policy holder:Griffiths-Patel Period of insurance: From 10/12/2024 to 2025-12-29 both days inclusive. This policy isa Continuing cover policy Insurer: Hiscox Insurance Company Limited Retroactive date: 27 December, 2020 Level of cover:£1,000,000 Signed on behalf of Hiscox Underwriting Limited as agent for the insurers Jon Dye CEO, Hiscox UK Notes: (a) This insurance is subject to policy terms and conditions and any special terms notified to the InsuredPage / 1 Hiscox Business Insurance Policy Schedule 14502 10/18 This schedule tells you what is insured with us. It should be read carefully with your policy wording(s) and statement of fact detailed elsewhere in this document. Schedule effective date: 10/12/2024 Insurance details Policy number: XMJ-RWWYTX.YOUX Period of insurance: From 10/12/2024 to 2025-12-29 both days inclusive. This policy isa Continuing cover policy. Insured: Griffiths-Patel Address: 8 Knight creek South Luke FARNHAM S2G 2JH Additional insureds: None Business: Management Consultants Premium details Charged premium – the total amount you’ll pay for this policy. Charged premium: £5,129.19 Insurance Premium Tax (IPT): £7,566.67 Total charged premium: £5,653.82 Annualised premium – the annual premium for this policy. This is given for comparison purposes. Please refer to the charged premium section for the amount you’ll pay for the policy. Annual premium: £5,129.19 Insurance Premium Tax (IPT): £7,566.67 Annual total: £5,653.82 Please note that there will be no refund or additional premium for any transaction which is less than £20 (excluding IPT). Hiscox Business Insurance Policy Schedule 14502 10/18 Summary Claims information If you need to make a claim: - For claims relating to your building or contents please contact our claims team on 0800 247 1902, 9.00am – 5:30pm Monday to Friday. If you wish to make a claim online, you can log most claims quickly and easily through our claims notification portal at https://claims.hiscox.co.uk/. Outside of normal business hours, if you require emergency assistance in relation to substantial damage to your property, you can speak to our 24-hour emergency assistance team using the telephone number above. Your policy schedule will state if property cover is included in your policy. Our out-of-hours emergency assistance team operate ona pay-and-claim basis and you will need to have credit card details available as appropriate. The team will then be able to direct you to essential tradesmen, emergency loss adjusters or disaster management companies in the event of substantial damage. - If there isa claim (or potential claim) against you bya third party, please email us at liability.claims@hiscox.com. If you need to speak to a member of the claims team urgently, please call our team on 0800 711 7156, 9.00am – 5:30pm Monday to Friday. If you wish to make a claim online, you can log most claims quickly and easily through our claims notification portal at https://claims.hiscox.co.uk/. You will need to provide your full name and contact details, the name of your business or organisation, your address and postcode, the policy reference and circumstances of the claim. The Important information and contact details section below contains additional information specific to the covers applicable to your policy. If you are unsure of who to contact please call our team on 0800 711 7156, 9.00am – 5:30pm Monday to Friday. They will ensure you get through to the correct claims team and let you know what actions you need to take. If anything happens that might be covered under the policy, you must comply with the obligations set out in General claims conditions, together with the obligations set out under Your obligations in the section or sections under which you are making the claim. Itis important that you read the policy for details of its terms in full. Your covers This isa summary of each section of your policy. See each section for cover details. Cover Insurance amount Excess Annual Premium (exc IPT) Professional indemnity £1,000,000 £1,000 £8,091.00 Legal protection £100,000 £0 £6,984.64 Crisis containment £25,000 - £7,048.03 The figures above are in summary only and are not in addition to the amount insured specified against each cover section below. Hiscox Business Insurance Policy Schedule 14502 10/18 SECTION: PROFESSIONAL INDEMNITY – MANAGEMENT CONSULTANTS Cover start date: 10/12/2024 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 dataPage / 2 claims £250,000 in the aggregate, including all costs Business activities Business management consultant Retroactive date 27 December, 2020 Insurer Hiscox Insurance Company LimitedPage / 1 Hiscox Insurance Summary of change Introduction This document has been created to help you understand the key changes to your Hiscox Insurance policy and how they may impact you. Your policy continues to offer professional, tailored insurance to protect you and give you peace of mind that if you need us, you will be supported by our award winning claims team. If you have a query not covered by this document, or if you have any questions or concerns about your policy you should contact us. Frequently asked questions What if my circumstances change during the period of insurance? If your circumstances change during the period of insurance, you only need to let us know if the change means that any of the information in the Statement of Fact is no longer true, complete and accurate. If there are no such changes, you do not need to let us know. If any of the information within the Statement of Fact becomes no longer complete, true or accurate at any point during the period of insurance you must tell us as it may affect the validity of the policy or our ability to pay a claim. Additionally, if your contact details change then you should let us know straightaway. Where doI find the limits that apply to my policy? You can find your maximum allowable limits for turnover and wage rollin your Statement of Fact. You must check this information and tell us or your broker if you expect to exceed the maximum amounts shown. Please note these values may have changed. If there are special limits or special excesses applying to particular covers or types of losses these will be shown in the policy schedule. Please check your policy schedule carefully as they may have changed. My new schedule shows a different premium to last year? What has changed? If an underwriter has reviewed your policy then they may have manually adjusted your premium, for example if you’ve had claims in the last 12 months. Where doI find out about any endorsements on my policy? You will be able to see if an endorsement has been applied or removed by reviewing your Policy Schedule. If you have any queries or concerns, please contact us or your broker if you have one. Hiscox Insurance Summary of change Professional indemnity for business management consultants Summary of change Changes to the cover The following table shows the differences between our new policy wordings (5570 WD- PROF-UK-MAN(7), 15579 WD-PROF-UK-MAN-AG(3)) and our previous wordings (5570 WD-PROF-UK-MAN(6), 15579 WD-PROF-UK-MAN-AG(2)). This isa summary of the changes only. You should refer to the schedule and policy wording for the full description of the cover in place. Area of cover Previous policy New policy Improvement in cover Claims against you Advertising claims. We will pay claims arising from your advertising or branding for defamation or infringement of copyright or moral rights. This does not include claims for passing off, unauthorised use of trademarks or false or misleading advertising. Previously cover was not restricted to defamation or the infringement of copyright or moral rights.Covered Amended Your own lossesChanges to ‘what is covered’ Losses from dishonesty. Your losses arising from the dishonesty of your employees, sub-contractors or outsourcers.Covered Not covered Area of cover Previous policy New policy Improvement in cover Cyber incident. We will not pay claims relating to an actual or possible cyber attack, hacker or social engineering communication. Previously we excluded any virus not specifically targeted at your system.Covered Not covered Computer or digital technology error. We will not pay claims arising from any negligent act, error or omission in the operation or maintenance of computer or digital technology such as development, installation, patching or upgrading.Covered Not coveredChanges to ‘what is not covered’ Infrastructure. We will not pay claims arising from the failure of the service provided by internet, telecommunications, utilities or other infrastructure providers.Covered Not covered Hiscox Insurance Summary of change Personal data. We will not pay claims relating to personal data. We will pay such claims where they arise from your performance ofa business activity and which is not otherwise excluded. Subject to the limit shown in the schedule.Covered Not covered Other important changes Control of defence. Under the previous wording we had a duty to defend you against any covered claim brought against you. We now have the right but not the obligation to take control of the conduct of the claim including the appointment of legal representation. Please refer to the policy wording for full details. SOC-PROF-UK-MAN(1) 21367 01/21	XMJ-RWWYTX.YOUX	(?<=Policy number - )[-\w_\/\.]+?(?= Company name)	10/12/2024	(?<=anniversary of your policy is approaching on )[-\w_\/\. ,]+?(?= \.)	null	null	Business	(?<=time to renew your Hiscox )[-\w_\/\. ]+?(?= Insurance)	2024-02-05
hiscox-business-1	Hiscox Business Insurance - Policy number - FNGTAN_HTUIEBPJDXGO Company name: Franklin-Dixon It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : FNGTAN_HTUIEBPJDXGO. Company name: Franklin-Dixon. Your Hiscox Insurance premium. Last year’s annual premium: This year’s annual premium. £ 3,492.74. £ 3,492.74. The premium includes all applicable insurance premium tax (IPT). Dear Dr Leigh Wilson-Gray. Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on Fri 10 May, 2019 . Good news; if you want cover to continue with us and to make sure you stay protected by our award-winning cover, you do not need to do anything. We will update your policy onto our latest wording and continue to collect payment using the payment details we have for you. You must read the important information contained in this email and the attached documents. Your Hiscox Insurance Premium breakdown. The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). The amount shown as last year’s Annual premium will take into account any changes to the cover which may have been made during the last policy period. Cover. Last year’s annual premium (exc IPT). This year’s annual Premium (exc IPT). Professional indemnity. £4,774.43. £4,774.43. Legal protection. £341.17. £341.17. Crisis containment. £8,179.61. Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy . Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government 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-Dixon , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay. . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover. Policy summary for each cover. ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover . As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before Fri 10 May, 2019 . We’re here between 8:30am - 5:30pm Monday to Friday . Please note that we can only discuss policy changes with people named on the policy. Why renew with Hiscox. - Reassuring: we offer a range of cover options that can be tailored to your needs. - Flexible: we offer full flexibility to change your policy, with no administration fees . - Award-winning cover : we’ve been named Best Small Business Insurer 7 years running by Start Your Business Magazine . Please click this link for the Hiscox Referral Portal: https://refer.aklamio.com/hiscox/uk?source=postpurchase. Thank you again for choosing Hiscox to insure your business. We hope you and your business have a very successful year. Kind regards. Jon Dye. CEO, Hiscox UK. Business Insurance for the small and the brave. To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre. Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. This email and any files transmitted with it are confidential and intended solely for the use of the individual or entity to whom they are addressed. No one else is authorised to distribute, forward, print, copy or act upon any information contained in this email. If you have received this email in error, please notify the sender. Hiscox Syndicates Limited and Hiscox Insurance Company Limited are authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Hiscox Underwriting Limited, Hiscox Underwriting Services Ltd, Hiscox MGA Ltd and Hiscox ASM Ltd are authorised and regulated by the Financial Conduct Authority. Hiscox Assure SAS is duly registered as an insurance broker with the ORIAS, which is the French Official Registry of Insurance Intermediaries. Hiscox plc is a company registered in England and Wales under company registration number 2837811 and registered office at 1 Great St Helen's, London EC3A 6HX. Hiscox SA is a company registered in Luxembourg at 35 Avenue John F. Kennedy 35F, Luxembourg L-1855, and is authorised by the Commissariat aux Assurances de Luxembourg. It’s time to renew your Hiscox Business Insurance Hiscox Insurance policy number : FNGTAN_HTUIEBPJDXGO Company name: Franklin-Dixon . It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : FNGTAN_HTUIEBPJDXGO Company name: Franklin-Dixon . Your Hiscox Insurance premium Last year’s annual premium: This year’s annual premium The premium includes all applicable insurance premium tax (IPT). £ 3,492.74 £ 3,492.74 . Your Hiscox Insurance premium . Last year’s annual premium: This year’s annual premium £ 3,492.74 £ 3,492.74 . The premium includes all applicable insurance premium tax (IPT). Dear Dr Leigh Wilson-Gray . Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on Fri 10 May, 2019 . Good news; if you want cover to continue with us and to make sure you stay protected by our award-winning cover, you do not need to do anything. We will update your policy onto our latest wording and continue to collect payment using the payment details we have for you. You must read the important information contained in this email and the attached documents Your Hiscox Insurance Premium breakdown The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). The amount shown as last year’s Annual premium will take into account any changes to the cover which may have been made during the last policy period. Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) Professional indemnity £4,774.43 £4,774.43 Legal protection £341.17 £341.17 Crisis containment £8,179.61 Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government 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-Dixon , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover Policy summary for each cover ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before Fri 10 May, 2019 . We’re here between 8:30am - 5:30pm Monday to Friday . Please note that we can only discuss policy changes with people named on the policy. Why renew with Hiscox - Reassuring: we offer a range of cover options that can be tailored to your needs - Flexible: we offer full flexibility to change your policy, with no administration fees - Award-winning cover : we’ve been named Best Small Business Insurer 7 years running by Start Your Business Magazine Please click this link for the Hiscox Referral Portal: https://refer.aklamio.com/hiscox/uk?source=postpurchase Thank you again for choosing Hiscox to insure your business. We hope you and your business have a very successful year. Kind regards Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on Fri 10 May, 2019 . Good news; if you want cover to continue with us and to make sure you stay protected by our award-winning cover, you do not need to do anything. We will update your policy onto our latest wording and continue to collect payment using the payment details we have for you. You must read the important information contained in this email and the attached documents Your Hiscox Insurance Premium breakdown The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). The amount shown as last year’s Annual premium will take into account any changes to the cover which may have been made during the last policy period. Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) Professional indemnity £4,774.43 £4,774.43 Legal protection £341.17 £341.17 Crisis containment £8,179.61 Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government 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-Dixon , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover Policy summary for each cover ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before Fri 10 May, 2019 . We’re here between 8:30am - 5:30pm Monday to Friday . Please note that we can only discuss policy changes with people named on the policy. Why renew with Hiscox - Reassuring: we offer a range of cover options that can be tailored to your needs - Flexible: we offer full flexibility to change your policy, with no administration fees - Award-winning cover : we’ve been named Best Small Business Insurer 7 years running by Start Your Business Magazine Please click this link for the Hiscox Referral Portal: https://refer.aklamio.com/hiscox/uk?source=postpurchase Thank you again for choosing Hiscox to insure your business. We hope you and your business have a very successful year. Kind regards Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Your Hiscox Insurance Premium breakdown The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). Cover Professional indemnity Legal protection Crisis containment . Last year’s annual premium (exc IPT) £4,774.43 £341.17 £8,179.61 . This year’s annual Premium (exc IPT) £4,774.43 £341.17 . Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) . Professional indemnity £4,774.43 £4,774.43 . Legal protection £341.17 £341.17 . Crisis containment £8,179.61 . Kind regards Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre . Kind regards . Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave . To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre . Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Page / 1 Hiscox Business Insurance Policy wording 17431a - DC565 WORDING 04/17Guide to sectionsIntroduction Policy wordings General terms and conditions Professional indemnity for business management consultants Legal protection Crisis containment Hiscox Business Insurance Policy wording 17431a - DC565 WORDING 04/17IntroductionThank you for choosing Hiscox to protect your business. We hope that the language and layout of this policy wording are clear because we want you to understand the insurance we provide as well as the responsibilities we have to each other. Please read this document, including the policy schedule, policy summary and statement of fact, and let us know as soon as possible if any of the details are shown incorrectly. We always try to deliver to the highest standards of service. Your views are important to us, so if you feel that our service is below the standard you would expect from Hiscox, please contact us on the phone number shown in your policy schedule. Please note that some of the words we use in this insurance are shown in bold type. These words are defined in each section of the wording. Page / 1 Hiscox Insurance Payment schedule Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Thank you for continuing to pay for your policy by Direct Debit. Please check these details and let us know if anything is incorrect or if the schedule is not suitable. Your reference details Account holder name: Leigh Wilson-Gray Frequency of collection: Annual Sort code: %BANK_SORT_CODE_1% Account number: %BANK_ACCOUNT_NUMBER_1% Your Direct Debit schedule We will take payments on the dates outlined below: Date Amount Tue 14 December, 2021 £3,492.74 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: FNGTAN_HTUIEBPJDXGO If you have any questions about your policy or payments, please call us on 0800 280 0351. We’re here between 8:30am - 5:30pm Monday to Friday or you can email us at service@hiscox.co.uk. Using your personal information Hiscox isa trading name ofa number of Hiscox companies. The specific company acting asa data controller of your personal information will be listed in the documentation we provide to you. If you are unsure you can also contact us at anytime by telephoning 01904 681198 or by emailing us at dataprotectionofficer@hiscox.com. We collect and process information about you in order to provide insurance policies and to process claims. Your information is also used for business purposes such as fraud prevention and detection and financial management. This may involve sharing your information with, and obtaining information about you from, our group companies and third parties such as brokers, loss adjusters, credit reference agencies, service providers, professional advisors, our regulators or fraud prevention agencies. We may record telephone calls to help us monitor and improve the service we provide. For further information on how your information is used and your rights in relation to your information please see our privacy policy at www.hiscox.co.uk/cookies-privacy. The Direct Debit Guarantee This Guarantee is offered by all banks and building societies that accept instructions to pay Direct Debits. If there are any changes to the amount, date or frequency of your Direct Debit Hiscox Underwriting Ltd will notify you ten working days in advance of your account being debited or as otherwise agreed. If you request Hiscox Underwriting Ltd to collect a payment, confirmation of the amount and date will be given to you at the time of the request. If an error is made in the payment of your Direct Debit by Hiscox Underwriting Ltd or your bank or building society you are entitled to a full and immediate refund of the amount paid from your bank or building society. – If you receive a refund you are not entitled to, you must pay it back when Hiscox Underwriting Ltd asks you to. You can cancel a Direct Debit at anytime by simply contacting your bank or building society. Written confirmation maybe required. Please also notify us. Page / 1 Hiscox Business Insurance Policy summary JAC-PSC-UK-DC556(5.4) 17431b 07/20 Your Hiscox Business Insurance policy summaries This document contains the summaries for any policy covers you have selected to protect your business. These summaries outline the key information about your policies so you can be confident that you have understood what you have bought and what you are covered for. However, you should carefully read your policy in full and ensure that you understand its terms and conditions in full. If you have any queries, you should contact Hiscox or your insurance advisor. Your side of the bargain Remember, your premium and insurance are based on the details you have provided to us. Please make sure this information accurately reflects your business and that you inform us immediately if anything needs to change. Please also tell us of any changes in circumstances that may affect the services provided by us or the cover provided by your policy. This is particularly important before taking out a policy, but it also applies throughout the life of the policy too. You need to consider: ■if you fail to fairly present the risk to us, including by failing to disclose any information material to the insurance, you could invalidate the policy, claims may not be paid or the amount we pay maybe reduced; ■you should read and check all insurance documents to ensure that you are aware of the cover, limits and other terms that apply; ■if you fail to let us know of any changes to your circumstances during the period of insurance or, if when telling us about such changes you fail to present the risk to us fairly, you could invalidate the policy, claims may not be paid or the amount we pay maybe reduced; ■please be aware of all terms and conditions of your policy because failure to comply with them could invalidate it or result in us not paying a claim or reducing the amount we pay; ■in the event ofa claim, you should take note of the required procedures, such as giving Hiscox prompt notice of the claims, as stated in the policy documentation. In particular, if you fail to notify us when you first become aware ofa shortcoming, fact, or problem, admit you are liable for what has happened or appoint solicitors or other legal representation without our prior written approval, claims or defence costs may not be paid or the amount we pay maybe reduced; ■as with any insurance, you have an obligation to take reasonable steps to mitigate any loss or liability; ■if you make a fraudulent claim or try to deceive us, we may terminate the policy. Policy length The period of insurance is shown on your policy schedule. Your policy schedule will also show if the policy is ona continuing cover basis. If itis ona continuing cover basis, we will renew your policy each year for another 12 months and continue to take payment (including any premium adjustment shown in your renewal invitation) using your existing arrangement, unless you tell us otherwise or if your risk changes. If your policy schedule does not show that the policy is ona continuing cover basis, cover will cease at the end of the period of insurance, unless you renew your policy with us. We will provide you witha statement of fact each year and provided that the information contained within the statement of fact is true, complete and accurate, you do not need to provide us with any further information. If any of the information in your statement of fact is not true, complete and accurate, you must let us know. If you do not let us know, it may affect the validity of the policy or our ability to pay a claim. Retroactive dates, geographical and jurisdiction limits Where any section of your policy schedule includes a retroactive date, we will not make any payment for any claim or loss under that section which arises from any activity performed or any act, incident or occurrence taking place, before the retroactive date. Where any section of your policy schedule shows the geographical limits which apply to that section of the policy, we will only pay for claims and losses under that section which arise from activities performed or acts, incidents or occurrences taking place within those geographical limits. Where any section provides cover in respect of your liability to third parties, we will only cover claims first made ina country within the applicable courts stated in that section of your policy schedule. Hiscox Business Insurance Policy summary JAC-PSC-UK-DC556(5.4) 17431b 07/20 Cancellation rights You can cancel this policy by giving us 30 days' notice. You will only be charged for the premiums due up to the date of cancellation. If we need to cancel the policy, we’ll give you 30 days’ notice in writing and refund any surplus premiums you might have paid. Please note – we may deduct an administration fee from any refunded payment.There is an exception to our 30-day notice period, which is triggered when we don’t receive your Direct Debit payments within the agreed 14-day period. At this point, we will contact you as soon as possible and stop the 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-Dixon Hiscox Underwriting Ltd of 1 Great St. Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Certificate of professional indemnity Insurance Policy number:FNGTAN_HTUIEBPJDXGO Name of policy holder:Franklin-Dixon Period of insurance: From Fri 10 May, 2019 to 28/08/19 both days inclusive. This policy isa Continuing cover policy Insurer: Hiscox Insurance Company Limited Retroactive date: 2019-12-04 Level of cover:£1,000,000 Signed on behalf of Hiscox Underwriting Limited as agent for the insurers Jon Dye CEO, Hiscox UK Notes: (a) This insurance is subject to policy terms and conditions and any special terms notified to the InsuredPage / 1 Hiscox Business Insurance Policy Schedule 14502 10/18 This schedule tells you what is insured with us. It should be read carefully with your policy wording(s) and statement of fact detailed elsewhere in this document. Schedule effective date: Fri 10 May, 2019 Insurance details Policy number: FNGTAN_HTUIEBPJDXGO Period of insurance: From Fri 10 May, 2019 to 28/08/19 both days inclusive. This policy isa Continuing cover policy. Insured: Franklin-Dixon Address: 7 Day lake Lauraton FARNHAM L1F 6NR Additional insureds: None Business: Management Consultants Premium details Charged premium – the total amount you’ll pay for this policy. Charged premium: £8,578.99 Insurance Premium Tax (IPT): £3,695.80 Total charged premium: £3,492.74 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: £8,578.99 Insurance Premium Tax (IPT): £3,695.80 Annual total: £3,492.74 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 £4,774.43 Legal protection £100,000 £0 £341.17 Crisis containment £25,000 - £8,179.61 The figures above are in summary only and are not in addition to the 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 10 May, 2019 Limit of indemnity £1,000,000 Limit applies to in the aggregate, including all costs Excess £1,000 Excess applies to each and every claim or loss, including all costs Geographical limits Worldwide Applicable courts Worldwide (excluding United States of America and Canada) Claims brought in USA or Canada Not covered Additional covers (in addition to overall limit of indemnity stated above) Cover Limit of indemnity Limit applies to Court attendance compensation - employees £250 per person, per day Court attendance compensation - directors and partners£500 per person, per day Court attendance compensation: in total £100,000 in the aggregate Special limits (included within not in addition to the overall limit of indemnity stated above) Cover Limit of indemnity Limit applies to Personal dataPage / 2 claims £250,000 in the aggregate, including all costs Business activities Business management consultant Retroactive date 2019-12-04 Insurer Hiscox Insurance Company LimitedPage / 1 Hiscox Insurance Summary of change Introduction This document has been created to help you understand the key changes to your Hiscox Insurance policy and how they may impact you. Your policy continues to offer professional, tailored insurance to protect you and give you peace of mind that if you need us, you will be supported by our award winning claims team. If you have a query not covered by this document, or if you have any questions or concerns about your policy you should contact us. Frequently asked questions What if my circumstances change during the period of insurance? If your circumstances change during the period of insurance, you only need to let us know if the change means that any of the information in the Statement of Fact is no longer true, complete and accurate. If there are no such changes, you do not need to let us know. If any of the information within the Statement of Fact becomes no longer complete, true or accurate at any point during the period of insurance you must tell us as it may affect the validity of the policy or our ability to pay a claim. Additionally, if your contact details change then you should let us know straightaway. Where doI find the limits that apply to my policy? You can find your maximum allowable limits for turnover and wage rollin your Statement of Fact. You must check this information and tell us or your broker if you expect to exceed the maximum amounts shown. Please note these values may have changed. If there are special limits or special excesses applying to particular covers or types of losses these will be shown in the policy schedule. Please check your policy schedule carefully as they may have changed. My new schedule shows a different premium to last year? What has changed? If an underwriter has reviewed your policy then they may have manually adjusted your premium, for example if you’ve had claims in the last 12 months. Where doI find out about any endorsements on my policy? You will be able to see if an endorsement has been applied or removed by reviewing your Policy Schedule. If you have any queries or concerns, please contact us or your broker if you have one. Hiscox Insurance Summary of change Professional indemnity for business management consultants Summary of change Changes to the cover The following table shows the differences between our new policy wordings (5570 WD- PROF-UK-MAN(7), 15579 WD-PROF-UK-MAN-AG(3)) and our previous wordings (5570 WD-PROF-UK-MAN(6), 15579 WD-PROF-UK-MAN-AG(2)). This isa summary of the changes only. You should refer to the schedule and policy wording for the full description of the cover in place. Area of cover Previous policy New policy Improvement in cover Claims against you Advertising claims. We will pay claims arising from your advertising or branding for defamation or infringement of copyright or moral rights. This does not include claims for passing off, unauthorised use of trademarks or false or misleading advertising. Previously cover was not restricted to defamation or the infringement of copyright or moral rights.Covered Amended Your own lossesChanges to ‘what is covered’ Losses from dishonesty. Your losses arising from the dishonesty of your employees, sub-contractors or outsourcers.Covered Not covered Area of cover Previous policy New policy Improvement in cover Cyber incident. We will not pay claims relating to an actual or possible cyber attack, hacker or social engineering communication. Previously we excluded any virus not specifically targeted at your system.Covered Not covered Computer or digital technology error. We will not pay claims arising from any negligent act, error or omission in the operation or maintenance of computer or digital technology such as development, installation, patching or upgrading.Covered Not coveredChanges to ‘what is not covered’ Infrastructure. We will not pay claims arising from the failure of the service provided by internet, telecommunications, utilities or other infrastructure providers.Covered Not covered Hiscox Insurance Summary of change Personal data. We will not pay claims relating to personal data. We will pay such claims where they arise from your performance ofa business activity and which is not otherwise excluded. Subject to the limit shown in the schedule.Covered Not covered Other important changes Control of defence. Under the previous wording we had a duty to defend you against any covered claim brought against you. We now have the right but not the obligation to take control of the conduct of the claim including the appointment of legal representation. Please refer to the policy wording for full details. SOC-PROF-UK-MAN(1) 21367 01/21	FNGTAN_HTUIEBPJDXGO	(?<=Policy number - )[-\w_\/\.]+?(?= Company name)	Fri 10 May, 2019	(?<=anniversary of your policy is approaching on )[-\w_\/\. ,]+?(?= \.)	null	null	Business	(?<=time to renew your Hiscox )[-\w_\/\. ]+?(?= Insurance)	2024-02-05
hiscox-business-1	Hiscox Business Insurance - Policy number - FYYLY_L Company name: Williams-Edwards It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : FYYLY_L. Company name: Williams-Edwards. Your Hiscox Insurance premium. Last year’s annual premium: This year’s annual premium. £ 913.31. £ 913.31. The premium includes all applicable insurance premium tax (IPT). Dear Dr Dr Guy Norton. Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 18/02/2024 . Good news; if you want cover to continue with us and to make sure you stay protected by our award-winning cover, you do not need to do anything. We will update your policy onto our latest wording and continue to collect payment using the payment details we have for you. You must read the important information contained in this email and the attached documents. Your Hiscox Insurance Premium breakdown. The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). The amount shown as last year’s Annual premium will take into account any changes to the cover which may have been made during the last policy period. Cover. Last year’s annual premium (exc IPT). This year’s annual Premium (exc IPT). Professional indemnity. £5,639.23. £5,639.23. Legal protection. £448.04. £448.04. Crisis containment. £9,298.66. Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy . Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government 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-Edwards , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay. . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover. Policy summary for each cover. ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover . As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before 18/02/2024 . We’re here between 8:30am - 5:30pm Monday to Friday . Please note that we can only discuss policy changes with people named on the policy. Why renew with Hiscox. - Reassuring: we offer a range of cover options that can be tailored to your needs. - Flexible: we offer full flexibility to change your policy, with no administration fees . - Award-winning cover : we’ve been named Best Small Business Insurer 7 years running by Start Your Business Magazine . Please click this link for the Hiscox Referral Portal: https://refer.aklamio.com/hiscox/uk?source=postpurchase. Thank you again for choosing Hiscox to insure your business. We hope you and your business have a very successful year. Kind regards. Jon Dye. CEO, Hiscox UK. Business Insurance for the small and the brave. To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre. Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. This email and any files transmitted with it are confidential and intended solely for the use of the individual or entity to whom they are addressed. No one else is authorised to distribute, forward, print, copy or act upon any information contained in this email. If you have received this email in error, please notify the sender. Hiscox Syndicates Limited and Hiscox Insurance Company Limited are authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Hiscox Underwriting Limited, Hiscox Underwriting Services Ltd, Hiscox MGA Ltd and Hiscox ASM Ltd are authorised and regulated by the Financial Conduct Authority. Hiscox Assure SAS is duly registered as an insurance broker with the ORIAS, which is the French Official Registry of Insurance Intermediaries. Hiscox plc is a company registered in England and Wales under company registration number 2837811 and registered office at 1 Great St Helen's, London EC3A 6HX. Hiscox SA is a company registered in Luxembourg at 35 Avenue John F. Kennedy 35F, Luxembourg L-1855, and is authorised by the Commissariat aux Assurances de Luxembourg. It’s time to renew your Hiscox Business Insurance Hiscox Insurance policy number : FYYLY_L Company name: Williams-Edwards . It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : FYYLY_L Company name: Williams-Edwards . Your Hiscox Insurance premium Last year’s annual premium: This year’s annual premium The premium includes all applicable insurance premium tax (IPT). £ 913.31 £ 913.31 . Your Hiscox Insurance premium . Last year’s annual premium: This year’s annual premium £ 913.31 £ 913.31 . The premium includes all applicable insurance premium tax (IPT). Dear Dr Dr Guy Norton . Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 18/02/2024 . Good news; if you want cover to continue with us and to make sure you stay protected by our award-winning cover, you do not need to do anything. We will update your policy onto our latest wording and continue to collect payment using the payment details we have for you. You must read the important information contained in this email and the attached documents Your Hiscox Insurance Premium breakdown The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). The amount shown as last year’s Annual premium will take into account any changes to the cover which may have been made during the last policy period. Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) Professional indemnity £5,639.23 £5,639.23 Legal protection £448.04 £448.04 Crisis containment £9,298.66 Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government 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-Edwards , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover Policy summary for each cover ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before 18/02/2024 . We’re here between 8:30am - 5:30pm Monday to Friday . Please note that we can only discuss policy changes with people named on the policy. Why renew with Hiscox - Reassuring: we offer a range of cover options that can be tailored to your needs - Flexible: we offer full flexibility to change your policy, with no administration fees - Award-winning cover : we’ve been named Best Small Business Insurer 7 years running by Start Your Business Magazine Please click this link for the Hiscox Referral Portal: https://refer.aklamio.com/hiscox/uk?source=postpurchase Thank you again for choosing Hiscox to insure your business. We hope you and your business have a very successful year. Kind regards Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 18/02/2024 . Good news; if you want cover to continue with us and to make sure you stay protected by our award-winning cover, you do not need to do anything. We will update your policy onto our latest wording and continue to collect payment using the payment details we have for you. You must read the important information contained in this email and the attached documents Your Hiscox Insurance Premium breakdown The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). The amount shown as last year’s Annual premium will take into account any changes to the cover which may have been made during the last policy period. Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) Professional indemnity £5,639.23 £5,639.23 Legal protection £448.04 £448.04 Crisis containment £9,298.66 Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government 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-Edwards , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover Policy summary for each cover ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before 18/02/2024 . We’re here between 8:30am - 5:30pm Monday to Friday . Please note that we can only discuss policy changes with people named on the policy. Why renew with Hiscox - Reassuring: we offer a range of cover options that can be tailored to your needs - Flexible: we offer full flexibility to change your policy, with no administration fees - Award-winning cover : we’ve been named Best Small Business Insurer 7 years running by Start Your Business Magazine Please click this link for the Hiscox Referral Portal: https://refer.aklamio.com/hiscox/uk?source=postpurchase Thank you again for choosing Hiscox to insure your business. We hope you and your business have a very successful year. Kind regards Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Your Hiscox Insurance Premium breakdown The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). Cover Professional indemnity Legal protection Crisis containment . Last year’s annual premium (exc IPT) £5,639.23 £448.04 £9,298.66 . This year’s annual Premium (exc IPT) £5,639.23 £448.04 . Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) . Professional indemnity £5,639.23 £5,639.23 . Legal protection £448.04 £448.04 . Crisis containment £9,298.66 . Kind regards Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre . Kind regards . Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave . To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre . Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Page / 1 Hiscox Business Insurance Policy wording 17431a - DC565 WORDING 04/17Guide to sectionsIntroduction Policy wordings General terms and conditions Professional indemnity for business management consultants Legal protection Crisis containment Hiscox Business Insurance Policy wording 17431a - DC565 WORDING 04/17IntroductionThank you for choosing Hiscox to protect your business. We hope that the language and layout of this policy wording are clear because we want you to understand the insurance we provide as well as the responsibilities we have to each other. Please read this document, including the policy schedule, policy summary and statement of fact, and let us know as soon as possible if any of the details are shown incorrectly. We always try to deliver to the highest standards of service. Your views are important to us, so if you feel that our service is below the standard you would expect from Hiscox, please contact us on the phone number shown in your policy schedule. Please note that some of the words we use in this insurance are shown in bold type. These words are defined in each section of the wording. Page / 1 Hiscox Insurance Payment schedule Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Thank you for continuing to pay for your policy by Direct Debit. Please check these details and let us know if anything is incorrect or if the schedule is not suitable. Your reference details Account holder name: Dr Guy Norton Frequency of collection: Annual Sort code: %BANK_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 30 January, 2022 £913.31 Where your chosen collection date falls ona non-working day then we will endeavour to collect the next working day. For your information, the collections will be made using the following reference number: Originator Identification Number: 293461 Reference Number: FYYLY_L If you have any questions about your policy or payments, please call us on 0800 280 0351. We’re here between 8:30am - 5:30pm Monday to Friday or you can email us at service@hiscox.co.uk. Using your personal information Hiscox isa trading name ofa number of Hiscox companies. The specific company acting asa data controller of your personal information will be listed in the documentation we provide to you. If you are unsure you can also contact us at anytime by telephoning 01904 681198 or by emailing us at dataprotectionofficer@hiscox.com. We collect and process information about you in order to provide insurance policies and to process claims. Your information is also used for business purposes such as fraud prevention and detection and financial management. This may involve sharing your information with, and obtaining information about you from, our group companies and third parties such as brokers, loss adjusters, credit reference agencies, service providers, professional advisors, our regulators or fraud prevention agencies. We may record telephone calls to help us monitor and improve the service we provide. For further information on how your information is used and your rights in relation to your information please see our privacy policy at www.hiscox.co.uk/cookies-privacy. The Direct Debit Guarantee This Guarantee is offered by all banks and building societies that accept instructions to pay Direct Debits. If there are any changes to the amount, date or frequency of your Direct Debit Hiscox Underwriting Ltd will notify you ten working days in advance of your account being debited or as otherwise agreed. If you request Hiscox Underwriting Ltd to collect a payment, confirmation of the amount and date will be given to you at the time of the request. If an error is made in the payment of your Direct Debit by Hiscox Underwriting Ltd or your bank or building society you are entitled to a full and immediate refund of the amount paid from your bank or building society. – If you receive a refund you are not entitled to, you must pay it back when Hiscox Underwriting Ltd asks you to. You can cancel a Direct Debit at anytime by simply contacting your bank or building society. Written confirmation maybe required. Please also notify us. Page / 1 Hiscox Business Insurance Policy summary JAC-PSC-UK-DC556(5.4) 17431b 07/20 Your Hiscox Business Insurance policy summaries This document contains the summaries for any policy covers you have selected to protect your business. These summaries outline the key information about your policies so you can be confident that you have understood what you have bought and what you are covered for. However, you should carefully read your policy in full and ensure that you understand its terms and conditions in full. If you have any queries, you should contact Hiscox or your insurance advisor. Your side of the bargain Remember, your premium and insurance are based on the details you have provided to us. Please make sure this information accurately reflects your business and that you inform us immediately if anything needs to change. Please also tell us of any changes in circumstances that may affect the services provided by us or the cover provided by your policy. This is particularly important before taking out a policy, but it also applies throughout the life of the policy too. You need to consider: ■if you fail to fairly present the risk to us, including by failing to disclose any information material to the insurance, you could invalidate the policy, claims may not be paid or the amount we pay maybe reduced; ■you should read and check all insurance documents to ensure that you are aware of the cover, limits and other terms that apply; ■if you fail to let us know of any changes to your circumstances during the period of insurance or, if when telling us about such changes you fail to present the risk to us fairly, you could invalidate the policy, claims may not be paid or the amount we pay maybe reduced; ■please be aware of all terms and conditions of your policy because failure to comply with them could invalidate it or result in us not paying a claim or reducing the amount we pay; ■in the event ofa claim, you should take note of the required procedures, such as giving Hiscox prompt notice of the claims, as stated in the policy documentation. In particular, if you fail to notify us when you first become aware ofa shortcoming, fact, or problem, admit you are liable for what has happened or appoint solicitors or other legal representation without our prior written approval, claims or defence costs may not be paid or the amount we pay maybe reduced; ■as with any insurance, you have an obligation to take reasonable steps to mitigate any loss or liability; ■if you make a fraudulent claim or try to deceive us, we may terminate the policy. Policy length The period of insurance is shown on your policy schedule. Your policy schedule will also show if the policy is ona continuing cover basis. If itis ona continuing cover basis, we will renew your policy each year for another 12 months and continue to take payment (including any premium adjustment shown in your renewal invitation) using your existing arrangement, unless you tell us otherwise or if your risk changes. If your policy schedule does not show that the policy is ona continuing cover basis, cover will cease at the end of the period of insurance, unless you renew your policy with us. We will provide you witha statement of fact each year and provided that the information contained within the statement of fact is true, complete and accurate, you do not need to provide us with any further information. If any of the information in your statement of fact is not true, complete and accurate, you must let us know. If you do not let us know, it may affect the validity of the policy or our ability to pay a claim. Retroactive dates, geographical and jurisdiction limits Where any section of your policy schedule includes a retroactive date, we will not make any payment for any claim or loss under that section which arises from any activity performed or any act, incident or occurrence taking place, before the retroactive date. Where any section of your policy schedule shows the geographical limits which apply to that section of the policy, we will only pay for claims and losses under that section which arise from activities performed or acts, incidents or occurrences taking place within those geographical limits. Where any section provides cover in respect of your liability to third parties, we will only cover claims first made ina country within the applicable courts stated in that section of your policy schedule. Hiscox Business Insurance Policy summary JAC-PSC-UK-DC556(5.4) 17431b 07/20 Cancellation rights You can cancel this policy by giving us 30 days' notice. You will only be charged for the premiums due up to the date of cancellation. If we need to cancel the policy, we’ll give you 30 days’ notice in writing and refund any surplus premiums you might have paid. Please note – we may deduct an administration fee from any refunded payment.There is an exception to our 30-day notice period, which is triggered when we don’t receive your Direct Debit payments within the agreed 14-day period. At this point, we will contact you as soon as possible and stop the 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-Edwards Hiscox Underwriting Ltd of 1 Great St. Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Certificate of professional indemnity Insurance Policy number:FYYLY_L Name of policy holder:Williams-Edwards Period of insurance: From 18/02/2024 to 26/12/19 both days inclusive. This policy isa Continuing cover policy Insurer: Hiscox Insurance Company Limited Retroactive date: 2024-12-25 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: 18/02/2024 Insurance details Policy number: FYYLY_L Period of insurance: From 18/02/2024 to 26/12/19 both days inclusive. This policy isa Continuing cover policy. Insured: Williams-Edwards Address: Studio 22h Nigel trail New Rogerport FARNHAM N12 3HU Additional insureds: None Business: Management Consultants Premium details Charged premium – the total amount you’ll pay for this policy. Charged premium: £7,407.49 Insurance Premium Tax (IPT): £1,191.41 Total charged premium: £913.31 Annualised premium – the annual premium for this policy. This is given for comparison purposes. Please refer to the charged premium section for the amount you’ll pay for the policy. Annual premium: £7,407.49 Insurance Premium Tax (IPT): £1,191.41 Annual total: £913.31 Please note that there will be no refund or additional premium for any transaction which is less than £20 (excluding IPT). Hiscox Business Insurance Policy Schedule 14502 10/18 Summary Claims information If you need to make a claim: - For claims relating to your building or contents please contact our claims team on 0800 247 1902, 9.00am – 5:30pm Monday to Friday. If you wish to make a claim online, you can log most claims quickly and easily through our claims notification portal at https://claims.hiscox.co.uk/. Outside of normal business hours, if you require emergency assistance in relation to substantial damage to your property, you can speak to our 24-hour emergency assistance team using the telephone number above. Your policy schedule will state if property cover is included in your policy. Our out-of-hours emergency assistance team operate ona pay-and-claim basis and you will need to have credit card details available as appropriate. The team will then be able to direct you to essential tradesmen, emergency loss adjusters or disaster management companies in the event of substantial damage. - If there isa claim (or potential claim) against you bya third party, please email us at liability.claims@hiscox.com. If you need to speak to a member of the claims team urgently, please call our team on 0800 711 7156, 9.00am – 5:30pm Monday to Friday. If you wish to make a claim online, you can log most claims quickly and easily through our claims notification portal at https://claims.hiscox.co.uk/. You will need to provide your full name and contact details, the name of your business or organisation, your address and postcode, the policy reference and circumstances of the claim. The Important information and contact details section below contains additional information specific to the covers applicable to your policy. If you are unsure of who to contact please call our team on 0800 711 7156, 9.00am – 5:30pm Monday to Friday. They will ensure you get through to the correct claims team and let you know what actions you need to take. If anything happens that might be covered under the policy, you must comply with the obligations set out in General claims conditions, together with the obligations set out under Your obligations in the section or sections under which you are making the claim. Itis important that you read the policy for details of its terms in full. Your covers This isa summary of each section of your policy. See each section for cover details. Cover Insurance amount Excess Annual Premium (exc IPT) Professional indemnity £1,000,000 £1,000 £5,639.23 Legal protection £100,000 £0 £448.04 Crisis containment £25,000 - £9,298.66 The figures above are in summary only and are not in addition to the amount insured specified against each cover section below. Hiscox Business Insurance Policy Schedule 14502 10/18 SECTION: PROFESSIONAL INDEMNITY – MANAGEMENT CONSULTANTS Cover start date: 18/02/2024 Limit of indemnity £1,000,000 Limit applies to in the aggregate, including all costs Excess £1,000 Excess applies to each and every claim or loss, including all costs Geographical limits Worldwide Applicable courts Worldwide (excluding United States of America and Canada) Claims brought in USA or Canada Not covered Additional covers (in addition to overall limit of indemnity stated above) Cover Limit of indemnity Limit applies to Court attendance compensation - employees £250 per person, per day Court attendance compensation - directors and partners£500 per person, per day Court attendance compensation: in total £100,000 in the aggregate Special limits (included within not in addition to the overall limit of indemnity stated above) Cover Limit of indemnity Limit applies to Personal dataPage / 2 claims £250,000 in the aggregate, including all costs Business activities Business management consultant Retroactive date 2024-12-25 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	FYYLY_L	(?<=Policy number - )[-\w_\/\.]+?(?= Company name)	18/02/2024	(?<=anniversary of your policy is approaching on )[-\w_\/\. ,]+?(?= \.)	null	null	Business	(?<=time to renew your Hiscox )[-\w_\/\. ]+?(?= Insurance)	2024-02-05
hiscox-business-1	Hiscox Business Insurance - Policy number - apaa.jwgeuk.-_ua-pnw Company name: Smith, Campbell and Barker It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : apaa.jwgeuk.-_ua-pnw. Company name: Smith, Campbell and Barker. Your Hiscox Insurance premium. Last year’s annual premium: This year’s annual premium. £ 13.90. £ 13.90. The premium includes all applicable insurance premium tax (IPT). Dear Dr Benjamin Cook. Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on Tue 28 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. £600.00. £600.00. Legal protection. £6,466.50. £6,466.50. Crisis containment. £2,312.73. Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy . Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government 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, Campbell and Barker , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay. . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover. Policy summary for each cover. ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover . As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, 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 28 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 : apaa.jwgeuk.-_ua-pnw Company name: Smith, Campbell and Barker . It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : apaa.jwgeuk.-_ua-pnw Company name: Smith, Campbell and Barker . Your Hiscox Insurance premium Last year’s annual premium: This year’s annual premium The premium includes all applicable insurance premium tax (IPT). £ 13.90 £ 13.90 . Your Hiscox Insurance premium . Last year’s annual premium: This year’s annual premium £ 13.90 £ 13.90 . The premium includes all applicable insurance premium tax (IPT). Dear Dr Benjamin Cook . Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on Tue 28 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 £600.00 £600.00 Legal protection £6,466.50 £6,466.50 Crisis containment £2,312.73 Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government 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, Campbell and Barker , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover Policy summary for each cover ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, 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 28 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 Tue 28 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 £600.00 £600.00 Legal protection £6,466.50 £6,466.50 Crisis containment £2,312.73 Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government 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, Campbell and Barker , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover Policy summary for each cover ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, 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 28 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) £600.00 £6,466.50 £2,312.73 . This year’s annual Premium (exc IPT) £600.00 £6,466.50 . Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) . Professional indemnity £600.00 £600.00 . Legal protection £6,466.50 £6,466.50 . Crisis containment £2,312.73 . Kind regards Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre . Kind regards . Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave . To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre . Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Page / 1 Hiscox Business Insurance Policy wording 17431a - DC565 WORDING 04/17Guide to sectionsIntroduction Policy wordings General terms and conditions Professional indemnity for business management consultants Legal protection Crisis containment Hiscox Business Insurance Policy wording 17431a - DC565 WORDING 04/17IntroductionThank you for choosing Hiscox to protect your business. We hope that the language and layout of this policy wording are clear because we want you to understand the insurance we provide as well as the responsibilities we have to each other. Please read this document, including the policy schedule, policy summary and statement of fact, and let us know as soon as possible if any of the details are shown incorrectly. We always try to deliver to the highest standards of service. Your views are important to us, so if you feel that our service is below the standard you would expect from Hiscox, please contact us on the phone number shown in your policy schedule. Please note that some of the words we use in this insurance are shown in bold type. These words are defined in each section of the wording. Page / 1 Hiscox Insurance Payment schedule Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Thank you for continuing to pay for your policy by Direct Debit. Please check these details and let us know if anything is incorrect or if the schedule is not suitable. Your reference details Account holder name: Benjamin Cook Frequency of collection: Annual Sort code: %BANK_SORT_CODE_1% Account number: %BANK_ACCOUNT_NUMBER_1% Your Direct Debit schedule We will take payments on the dates outlined below: Date Amount 10/11/23 £13.90 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: apaa.jwgeuk.-_ua-pnw If you have any questions about your policy or payments, please call us on 0800 280 0351. We’re here between 8:30am - 5:30pm Monday to Friday or you can email us at service@hiscox.co.uk. Using your personal information Hiscox isa trading name ofa number of Hiscox companies. The specific company acting asa data controller of your personal information will be listed in the documentation we provide to you. If you are unsure you can also contact us at anytime by telephoning 01904 681198 or by emailing us at dataprotectionofficer@hiscox.com. We collect and process information about you in order to provide insurance policies and to process claims. Your information is also used for business purposes such as fraud prevention and detection and financial management. This may involve sharing your information with, and obtaining information about you from, our group companies and third parties such as brokers, loss adjusters, credit reference agencies, service providers, professional advisors, our regulators or fraud prevention agencies. We may record telephone calls to help us monitor and improve the service we provide. For further information on how your information is used and your rights in relation to your information please see our privacy policy at www.hiscox.co.uk/cookies-privacy. The Direct Debit Guarantee This Guarantee is offered by all banks and building societies that accept instructions to pay Direct Debits. If there are any changes to the amount, date or frequency of your Direct Debit Hiscox Underwriting Ltd will notify you ten working days in advance of your account being debited or as otherwise agreed. If you request Hiscox Underwriting Ltd to collect a payment, confirmation of the amount and date will be given to you at the time of the request. If an error is made in the payment of your Direct Debit by Hiscox Underwriting Ltd or your bank or building society you are entitled to a full and immediate refund of the amount paid from your bank or building society. – If you receive a refund you are not entitled to, you must pay it back when Hiscox Underwriting Ltd asks you to. You can cancel a Direct Debit at anytime by simply contacting your bank or building society. Written confirmation maybe required. Please also notify us. Page / 1 Hiscox Business Insurance Policy summary JAC-PSC-UK-DC556(5.4) 17431b 07/20 Your Hiscox Business Insurance policy summaries This document contains the summaries for any policy covers you have selected to protect your business. These summaries outline the key information about your policies so you can be confident that you have understood what you have bought and what you are covered for. However, you should carefully read your policy in full and ensure that you understand its terms and conditions in full. If you have any queries, you should contact Hiscox or your insurance advisor. Your side of the bargain Remember, your premium and insurance are based on the details you have provided to us. Please make sure this information accurately reflects your business and that you inform us immediately if anything needs to change. Please also tell us of any changes in circumstances that may affect the services provided by us or the cover provided by your policy. This is particularly important before taking out a policy, but it also applies throughout the life of the policy too. You need to consider: ■if you fail to fairly present the risk to us, including by failing to disclose any information material to the insurance, you could invalidate the policy, claims may not be paid or the amount we pay maybe reduced; ■you should read and check all insurance documents to ensure that you are aware of the cover, limits and other terms that apply; ■if you fail to let us know of any changes to your circumstances during the period of insurance or, if when telling us about such changes you fail to present the risk to us fairly, you could invalidate the policy, claims may not be paid or the amount we pay maybe reduced; ■please be aware of all terms and conditions of your policy because failure to comply with them could invalidate it or result in us not paying a claim or reducing the amount we pay; ■in the event ofa claim, you should take note of the required procedures, such as giving Hiscox prompt notice of the claims, as stated in the policy documentation. In particular, if you fail to notify us when you first become aware ofa shortcoming, fact, or problem, admit you are liable for what has happened or appoint solicitors or other legal representation without our prior written approval, claims or defence costs may not be paid or the amount we pay maybe reduced; ■as with any insurance, you have an obligation to take reasonable steps to mitigate any loss or liability; ■if you make a fraudulent claim or try to deceive us, we may terminate the policy. Policy length The period of insurance is shown on your policy schedule. Your policy schedule will also show if the policy is ona continuing cover basis. If itis ona continuing cover basis, we will renew your policy each year for another 12 months and continue to take payment (including any premium adjustment shown in your renewal invitation) using your existing arrangement, unless you tell us otherwise or if your risk changes. If your policy schedule does not show that the policy is ona continuing cover basis, cover will cease at the end of the period of insurance, unless you renew your policy with us. We will provide you witha statement of fact each year and provided that the information contained within the statement of fact is true, complete and accurate, you do not need to provide us with any further information. If any of the information in your statement of fact is not true, complete and accurate, you must let us know. If you do not let us know, it may affect the validity of the policy or our ability to pay a claim. Retroactive dates, geographical and jurisdiction limits Where any section of your policy schedule includes a retroactive date, we will not make any payment for any claim or loss under that section which arises from any activity performed or any act, incident or occurrence taking place, before the retroactive date. Where any section of your policy schedule shows the geographical limits which apply to that section of the policy, we will only pay for claims and losses under that section which arise from activities performed or acts, incidents or occurrences taking place within those geographical limits. Where any section provides cover in respect of your liability to third parties, we will only cover claims first made ina country within the applicable courts stated in that section of your policy schedule. Hiscox Business Insurance Policy summary JAC-PSC-UK-DC556(5.4) 17431b 07/20 Cancellation rights You can cancel this policy by giving us 30 days' notice. You will only be charged for the premiums due up to the date of cancellation. If we need to cancel the policy, we’ll give you 30 days’ notice in writing and refund any surplus premiums you might have paid. Please note – we may deduct an administration fee from any refunded payment.There is an exception to our 30-day notice period, which is triggered when we don’t receive your Direct Debit payments within the agreed 14-day period. At this point, we will contact you as soon as possible and stop the 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, Campbell and Barker Hiscox Underwriting Ltd of 1 Great St. Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Certificate of professional indemnity Insurance Policy number:apaa.jwgeuk.-_ua-pnw Name of policy holder:Smith, Campbell and Barker Period of insurance: From Tue 28 October, 2025 to 20/07/19 both days inclusive. This policy isa Continuing cover policy Insurer: Hiscox Insurance Company Limited Retroactive date: Tuesday 03 December, 2019 Level of cover:£1,000,000 Signed on behalf of Hiscox Underwriting Limited as agent for the insurers Jon Dye CEO, Hiscox UK Notes: (a) This insurance is subject to policy terms and conditions and any special terms notified to the InsuredPage / 1 Hiscox Business Insurance Policy Schedule 14502 10/18 This schedule tells you what is insured with us. It should be read carefully with your policy wording(s) and statement of fact detailed elsewhere in this document. Schedule effective date: Tue 28 October, 2025 Insurance details Policy number: apaa.jwgeuk.-_ua-pnw Period of insurance: From Tue 28 October, 2025 to 20/07/19 both days inclusive. This policy isa Continuing cover policy. Insured: Smith, Campbell and Barker Address: Studio 05u Jennifer brooks Port Frederickborough FARNHAM HS91 4TY Additional insureds: None Business: Management Consultants Premium details Charged premium – the total amount you’ll pay for this policy. Charged premium: £3,764.09 Insurance Premium Tax (IPT): £6,411.59 Total charged premium: £13.90 Annualised premium – the annual premium for this policy. This is given for comparison purposes. Please refer to the charged premium section for the amount you’ll pay for the policy. Annual premium: £3,764.09 Insurance Premium Tax (IPT): £6,411.59 Annual total: £13.90 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 £600.00 Legal protection £100,000 £0 £6,466.50 Crisis containment £25,000 - £2,312.73 The figures above are in summary only and are not in addition to the 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 28 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 dataPage / 2 claims £250,000 in the aggregate, including all costs Business activities Business management consultant Retroactive date Tuesday 03 December, 2019 Insurer Hiscox Insurance Company LimitedPage / 1 Hiscox Insurance Summary of change Introduction This document has been created to help you understand the key changes to your Hiscox Insurance policy and how they may impact you. Your policy continues to offer professional, tailored insurance to protect you and give you peace of mind that if you need us, you will be supported by our award winning claims team. If you have a query not covered by this document, or if you have any questions or concerns about your policy you should contact us. Frequently asked questions What if my circumstances change during the period of insurance? If your circumstances change during the period of insurance, you only need to let us know if the change means that any of the information in the Statement of Fact is no longer true, complete and accurate. If there are no such changes, you do not need to let us know. If any of the information within the Statement of Fact becomes no longer complete, true or accurate at any point during the period of insurance you must tell us as it may affect the validity of the policy or our ability to pay a claim. Additionally, if your contact details change then you should let us know straightaway. Where doI find the limits that apply to my policy? You can find your maximum allowable limits for turnover and wage rollin your Statement of Fact. You must check this information and tell us or your broker if you expect to exceed the maximum amounts shown. Please note these values may have changed. If there are special limits or special excesses applying to particular covers or types of losses these will be shown in the policy schedule. Please check your policy schedule carefully as they may have changed. My new schedule shows a different premium to last year? What has changed? If an underwriter has reviewed your policy then they may have manually adjusted your premium, for example if you’ve had claims in the last 12 months. Where doI find out about any endorsements on my policy? You will be able to see if an endorsement has been applied or removed by reviewing your Policy Schedule. If you have any queries or concerns, please contact us or your broker if you have one. Hiscox Insurance Summary of change Professional indemnity for business management consultants Summary of change Changes to the cover The following table shows the differences between our new policy wordings (5570 WD- PROF-UK-MAN(7), 15579 WD-PROF-UK-MAN-AG(3)) and our previous wordings (5570 WD-PROF-UK-MAN(6), 15579 WD-PROF-UK-MAN-AG(2)). This isa summary of the changes only. You should refer to the schedule and policy wording for the full description of the cover in place. Area of cover Previous policy New policy Improvement in cover Claims against you Advertising claims. We will pay claims arising from your advertising or branding for defamation or infringement of copyright or moral rights. This does not include claims for passing off, unauthorised use of trademarks or false or misleading advertising. Previously cover was not restricted to defamation or the infringement of copyright or moral rights.Covered Amended Your own lossesChanges to ‘what is covered’ Losses from dishonesty. Your losses arising from the dishonesty of your employees, sub-contractors or outsourcers.Covered Not covered Area of cover Previous policy New policy Improvement in cover Cyber incident. We will not pay claims relating to an actual or possible cyber attack, hacker or social engineering communication. Previously we excluded any virus not specifically targeted at your system.Covered Not covered Computer or digital technology error. We will not pay claims arising from any negligent act, error or omission in the operation or maintenance of computer or digital technology such as development, installation, patching or upgrading.Covered Not coveredChanges to ‘what is not covered’ Infrastructure. We will not pay claims arising from the failure of the service provided by internet, telecommunications, utilities or other infrastructure providers.Covered Not covered Hiscox Insurance Summary of change Personal data. We will not pay claims relating to personal data. We will pay such claims where they arise from your performance ofa business activity and which is not otherwise excluded. Subject to the limit shown in the schedule.Covered Not covered Other important changes Control of defence. Under the previous wording we had a duty to defend you against any covered claim brought against you. We now have the right but not the obligation to take control of the conduct of the claim including the appointment of legal representation. Please refer to the policy wording for full details. SOC-PROF-UK-MAN(1) 21367 01/21	apaa.jwgeuk.-_ua-pnw	(?<=Policy number - )[-\w_\/\.]+?(?= Company name)	Tue 28 October, 2025	(?<=anniversary of your policy is approaching on )[-\w_\/\. ,]+?(?= \.)	null	null	Business	(?<=time to renew your Hiscox )[-\w_\/\. ]+?(?= Insurance)	2024-02-05
hiscox-business-1	Hiscox Business Insurance - Policy number - x_w/n_-azrvmdipmf Company name: Palmer-Baldwin It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : x_w/n_-azrvmdipmf. Company name: Palmer-Baldwin. Your Hiscox Insurance premium. Last year’s annual premium: This year’s annual premium. £ 7,796.98. £ 7,796.98. The premium includes all applicable insurance premium tax (IPT). Dear Dr Frederick Wood. Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 10 March, 2023 . Good news; if you want cover to continue with us and to make sure you stay protected by our award-winning cover, you do not need to do anything. We will update your policy onto our latest wording and continue to collect payment using the payment details we have for you. You must read the important information contained in this email and the attached documents. Your Hiscox Insurance Premium breakdown. The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). The amount shown as last year’s Annual premium will take into account any changes to the cover which may have been made during the last policy period. Cover. Last year’s annual premium (exc IPT). This year’s annual Premium (exc IPT). Professional indemnity. £6,481.33. £6,481.33. Legal protection. £707.09. £707.09. Crisis containment. £6,423.55. Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy . Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government increase in Insurance Premium Tax as shown. Is our information correct? Your premium and cover are based on what you’ve told us about Palmer-Baldwin , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay. . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover. Policy summary for each cover. ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover . As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, 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 March, 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 : x_w/n_-azrvmdipmf Company name: Palmer-Baldwin . It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : x_w/n_-azrvmdipmf Company name: Palmer-Baldwin . Your Hiscox Insurance premium Last year’s annual premium: This year’s annual premium The premium includes all applicable insurance premium tax (IPT). £ 7,796.98 £ 7,796.98 . Your Hiscox Insurance premium . Last year’s annual premium: This year’s annual premium £ 7,796.98 £ 7,796.98 . The premium includes all applicable insurance premium tax (IPT). Dear Dr Frederick Wood . Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 10 March, 2023 . Good news; if you want cover to continue with us and to make sure you stay protected by our award-winning cover, you do not need to do anything. We will update your policy onto our latest wording and continue to collect payment using the payment details we have for you. You must read the important information contained in this email and the attached documents Your Hiscox Insurance Premium breakdown The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). The amount shown as last year’s Annual premium will take into account any changes to the cover which may have been made during the last policy period. Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) Professional indemnity £6,481.33 £6,481.33 Legal protection £707.09 £707.09 Crisis containment £6,423.55 Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government increase in Insurance Premium Tax as shown. Is our information correct? Your premium and cover are based on what you’ve told us about Palmer-Baldwin , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover Policy summary for each cover ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, 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 March, 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 10 March, 2023 . Good news; if you want cover to continue with us and to make sure you stay protected by our award-winning cover, you do not need to do anything. We will update your policy onto our latest wording and continue to collect payment using the payment details we have for you. You must read the important information contained in this email and the attached documents Your Hiscox Insurance Premium breakdown The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). The amount shown as last year’s Annual premium will take into account any changes to the cover which may have been made during the last policy period. Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) Professional indemnity £6,481.33 £6,481.33 Legal protection £707.09 £707.09 Crisis containment £6,423.55 Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government increase in Insurance Premium Tax as shown. Is our information correct? Your premium and cover are based on what you’ve told us about Palmer-Baldwin , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover Policy summary for each cover ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, 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 March, 2023 . We’re here between 8:30am - 5:30pm Monday to Friday . Please note that we can only discuss policy changes with people named on the policy. Why renew with Hiscox - Reassuring: we offer a range of cover options that can be tailored to your needs - Flexible: we offer full flexibility to change your policy, with no administration fees - Award-winning cover : we’ve been named Best Small Business Insurer 7 years running by Start Your Business Magazine Please click this link for the Hiscox Referral Portal: https://refer.aklamio.com/hiscox/uk?source=postpurchase Thank you again for choosing Hiscox to insure your business. We hope you and your business have a very successful year. Kind regards Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Your Hiscox Insurance Premium breakdown The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). Cover Professional indemnity Legal protection Crisis containment . Last year’s annual premium (exc IPT) £6,481.33 £707.09 £6,423.55 . This year’s annual Premium (exc IPT) £6,481.33 £707.09 . Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) . Professional indemnity £6,481.33 £6,481.33 . Legal protection £707.09 £707.09 . Crisis containment £6,423.55 . Kind regards Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre . Kind regards . Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave . To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre . Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Page / 1 Hiscox Business Insurance Policy wording 17431a - DC565 WORDING 04/17Guide to sectionsIntroduction Policy wordings General terms and conditions Professional indemnity for business management consultants Legal protection Crisis containment Hiscox Business Insurance Policy wording 17431a - DC565 WORDING 04/17IntroductionThank you for choosing Hiscox to protect your business. We hope that the language and layout of this policy wording are clear because we want you to understand the insurance we provide as well as the responsibilities we have to each other. Please read this document, including the policy schedule, policy summary and statement of fact, and let us know as soon as possible if any of the details are shown incorrectly. We always try to deliver to the highest standards of service. Your views are important to us, so if you feel that our service is below the standard you would expect from Hiscox, please contact us on the phone number shown in your policy schedule. Please note that some of the words we use in this insurance are shown in bold type. These words are defined in each section of the wording. Page / 1 Hiscox Insurance Payment schedule Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Thank you for continuing to pay for your policy by Direct Debit. Please check these details and let us know if anything is incorrect or if the schedule is not suitable. Your reference details Account holder name: Frederick Wood Frequency of collection: Annual Sort code: %BANK_SORT_CODE_1% Account number: %BANK_ACCOUNT_NUMBER_1% Your Direct Debit schedule We will take payments on the dates outlined below: Date Amount 19 October, 2023 £7,796.98 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: x_w/n_-azrvmdipmf If you have any questions about your policy or payments, please call us on 0800 280 0351. We’re here between 8:30am - 5:30pm Monday to Friday or you can email us at service@hiscox.co.uk. Using your personal information Hiscox isa trading name ofa number of Hiscox companies. The specific company acting asa data controller of your personal information will be listed in the documentation we provide to you. If you are unsure you can also contact us at anytime by telephoning 01904 681198 or by emailing us at dataprotectionofficer@hiscox.com. We collect and process information about you in order to provide insurance policies and to process claims. Your information is also used for business purposes such as fraud prevention and detection and financial management. This may involve sharing your information with, and obtaining information about you from, our group companies and third parties such as brokers, loss adjusters, credit reference agencies, service providers, professional advisors, our regulators or fraud prevention agencies. We may record telephone calls to help us monitor and improve the service we provide. For further information on how your information is used and your rights in relation to your information please see our privacy policy at www.hiscox.co.uk/cookies-privacy. The Direct Debit Guarantee This Guarantee is offered by all banks and building societies that accept instructions to pay Direct Debits. If there are any changes to the amount, date or frequency of your Direct Debit Hiscox Underwriting Ltd will notify you ten working days in advance of your account being debited or as otherwise agreed. If you request Hiscox Underwriting Ltd to collect a payment, confirmation of the amount and date will be given to you at the time of the request. If an error is made in the payment of your Direct Debit by Hiscox Underwriting Ltd or your bank or building society you are entitled to a full and immediate refund of the amount paid from your bank or building society. – If you receive a refund you are not entitled to, you must pay it back when Hiscox Underwriting Ltd asks you to. You can cancel a Direct Debit at anytime by simply contacting your bank or building society. Written confirmation maybe required. Please also notify us. Page / 1 Hiscox Business Insurance Policy summary JAC-PSC-UK-DC556(5.4) 17431b 07/20 Your Hiscox Business Insurance policy summaries This document contains the summaries for any policy covers you have selected to protect your business. These summaries outline the key information about your policies so you can be confident that you have understood what you have bought and what you are covered for. However, you should carefully read your policy in full and ensure that you understand its terms and conditions in full. If you have any queries, you should contact Hiscox or your insurance advisor. Your side of the bargain Remember, your premium and insurance are based on the details you have provided to us. Please make sure this information accurately reflects your business and that you inform us immediately if anything needs to change. Please also tell us of any changes in circumstances that may affect the services provided by us or the cover provided by your policy. This is particularly important before taking out a policy, but it also applies throughout the life of the policy too. You need to consider: ■if you fail to fairly present the risk to us, including by failing to disclose any information material to the insurance, you could invalidate the policy, claims may not be paid or the amount we pay maybe reduced; ■you should read and check all insurance documents to ensure that you are aware of the cover, limits and other terms that apply; ■if you fail to let us know of any changes to your circumstances during the period of insurance or, if when telling us about such changes you fail to present the risk to us fairly, you could invalidate the policy, claims may not be paid or the amount we pay maybe reduced; ■please be aware of all terms and conditions of your policy because failure to comply with them could invalidate it or result in us not paying a claim or reducing the amount we pay; ■in the event ofa claim, you should take note of the required procedures, such as giving Hiscox prompt notice of the claims, as stated in the policy documentation. In particular, if you fail to notify us when you first become aware ofa shortcoming, fact, or problem, admit you are liable for what has happened or appoint solicitors or other legal representation without our prior written approval, claims or defence costs may not be paid or the amount we pay maybe reduced; ■as with any insurance, you have an obligation to take reasonable steps to mitigate any loss or liability; ■if you make a fraudulent claim or try to deceive us, we may terminate the policy. Policy length The period of insurance is shown on your policy schedule. Your policy schedule will also show if the policy is ona continuing cover basis. If itis ona continuing cover basis, we will renew your policy each year for another 12 months and continue to take payment (including any premium adjustment shown in your renewal invitation) using your existing arrangement, unless you tell us otherwise or if your risk changes. If your policy schedule does not show that the policy is ona continuing cover basis, cover will cease at the end of the period of insurance, unless you renew your policy with us. We will provide you witha statement of fact each year and provided that the information contained within the statement of fact is true, complete and accurate, you do not need to provide us with any further information. If any of the information in your statement of fact is not true, complete and accurate, you must let us know. If you do not let us know, it may affect the validity of the policy or our ability to pay a claim. Retroactive dates, geographical and jurisdiction limits Where any section of your policy schedule includes a retroactive date, we will not make any payment for any claim or loss under that section which arises from any activity performed or any act, incident or occurrence taking place, before the retroactive date. Where any section of your policy schedule shows the geographical limits which apply to that section of the policy, we will only pay for claims and losses under that section which arise from activities performed or acts, incidents or occurrences taking place within those geographical limits. Where any section provides cover in respect of your liability to third parties, we will only cover claims first made ina country within the applicable courts stated in that section of your policy schedule. Hiscox Business Insurance Policy summary JAC-PSC-UK-DC556(5.4) 17431b 07/20 Cancellation rights You can cancel this policy by giving us 30 days' notice. You will only be charged for the premiums due up to the date of cancellation. If we need to cancel the policy, we’ll give you 30 days’ notice in writing and refund any surplus premiums you might have paid. Please note – we may deduct an administration fee from any refunded payment.There is an exception to our 30-day notice period, which is triggered when we don’t receive your Direct Debit payments within the agreed 14-day period. At this point, we will contact you as soon as possible and stop the policyPage / 2 immediately. Underwritten by:Hiscox Underwriting Ltd on behalf of the insurers named in the schedule. Page / 1 Certificate of professional indemnity insurance Palmer-Baldwin Hiscox Underwriting Ltd of 1 Great St. Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Certificate of professional indemnity Insurance Policy number:x_w/n_-azrvmdipmf Name of policy holder:Palmer-Baldwin Period of insurance: From 10 March, 2023 to 21/09/19 both days inclusive. This policy isa Continuing cover policy Insurer: Hiscox Insurance Company Limited Retroactive date: Wednesday 08 May, 2024 Level of cover:£1,000,000 Signed on behalf of Hiscox Underwriting Limited as agent for the insurers Jon Dye CEO, Hiscox UK Notes: (a) This insurance is subject to policy terms and conditions and any special terms notified to the InsuredPage / 1 Hiscox Business Insurance Policy Schedule 14502 10/18 This schedule tells you what is insured with us. It should be read carefully with your policy wording(s) and statement of fact detailed elsewhere in this document. Schedule effective date: 10 March, 2023 Insurance details Policy number: x_w/n_-azrvmdipmf Period of insurance: From 10 March, 2023 to 21/09/19 both days inclusive. This policy isa Continuing cover policy. Insured: Palmer-Baldwin Address: 735 Holden roads Nicoleland FARNHAM CM4B 3RW Additional insureds: None Business: Management Consultants Premium details Charged premium – the total amount you’ll pay for this policy. Charged premium: £2,886.48 Insurance Premium Tax (IPT): £7,157.56 Total charged premium: £7,796.98 Annualised premium – the annual premium for this policy. This is given for comparison purposes. Please refer to the charged premium section for the amount you’ll pay for the policy. Annual premium: £2,886.48 Insurance Premium Tax (IPT): £7,157.56 Annual total: £7,796.98 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 £6,481.33 Legal protection £100,000 £0 £707.09 Crisis containment £25,000 - £6,423.55 The figures above are in summary only and are not in addition to the 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 March, 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 dataPage / 2 claims £250,000 in the aggregate, including all costs Business activities Business management consultant Retroactive date Wednesday 08 May, 2024 Insurer Hiscox Insurance Company LimitedPage / 1 Hiscox Insurance Summary of change Introduction This document has been created to help you understand the key changes to your Hiscox Insurance policy and how they may impact you. Your policy continues to offer professional, tailored insurance to protect you and give you peace of mind that if you need us, you will be supported by our award winning claims team. If you have a query not covered by this document, or if you have any questions or concerns about your policy you should contact us. Frequently asked questions What if my circumstances change during the period of insurance? If your circumstances change during the period of insurance, you only need to let us know if the change means that any of the information in the Statement of Fact is no longer true, complete and accurate. If there are no such changes, you do not need to let us know. If any of the information within the Statement of Fact becomes no longer complete, true or accurate at any point during the period of insurance you must tell us as it may affect the validity of the policy or our ability to pay a claim. Additionally, if your contact details change then you should let us know straightaway. Where doI find the limits that apply to my policy? You can find your maximum allowable limits for turnover and wage rollin your Statement of Fact. You must check this information and tell us or your broker if you expect to exceed the maximum amounts shown. Please note these values may have changed. If there are special limits or special excesses applying to particular covers or types of losses these will be shown in the policy schedule. Please check your policy schedule carefully as they may have changed. My new schedule shows a different premium to last year? What has changed? If an underwriter has reviewed your policy then they may have manually adjusted your premium, for example if you’ve had claims in the last 12 months. Where doI find out about any endorsements on my policy? You will be able to see if an endorsement has been applied or removed by reviewing your Policy Schedule. If you have any queries or concerns, please contact us or your broker if you have one. Hiscox Insurance Summary of change Professional indemnity for business management consultants Summary of change Changes to the cover The following table shows the differences between our new policy wordings (5570 WD- PROF-UK-MAN(7), 15579 WD-PROF-UK-MAN-AG(3)) and our previous wordings (5570 WD-PROF-UK-MAN(6), 15579 WD-PROF-UK-MAN-AG(2)). This isa summary of the changes only. You should refer to the schedule and policy wording for the full description of the cover in place. Area of cover Previous policy New policy Improvement in cover Claims against you Advertising claims. We will pay claims arising from your advertising or branding for defamation or infringement of copyright or moral rights. This does not include claims for passing off, unauthorised use of trademarks or false or misleading advertising. Previously cover was not restricted to defamation or the infringement of copyright or moral rights.Covered Amended Your own lossesChanges to ‘what is covered’ Losses from dishonesty. Your losses arising from the dishonesty of your employees, sub-contractors or outsourcers.Covered Not covered Area of cover Previous policy New policy Improvement in cover Cyber incident. We will not pay claims relating to an actual or possible cyber attack, hacker or social engineering communication. Previously we excluded any virus not specifically targeted at your system.Covered Not covered Computer or digital technology error. We will not pay claims arising from any negligent act, error or omission in the operation or maintenance of computer or digital technology such as development, installation, patching or upgrading.Covered Not coveredChanges to ‘what is not covered’ Infrastructure. We will not pay claims arising from the failure of the service provided by internet, telecommunications, utilities or other infrastructure providers.Covered Not covered Hiscox Insurance Summary of change Personal data. We will not pay claims relating to personal data. We will pay such claims where they arise from your performance ofa business activity and which is not otherwise excluded. Subject to the limit shown in the schedule.Covered Not covered Other important changes Control of defence. Under the previous wording we had a duty to defend you against any covered claim brought against you. We now have the right but not the obligation to take control of the conduct of the claim including the appointment of legal representation. Please refer to the policy wording for full details. SOC-PROF-UK-MAN(1) 21367 01/21	x_w/n_-azrvmdipmf	(?<=Policy number - )[-\w_\/\.]+?(?= Company name)	10 March, 2023	(?<=anniversary of your policy is approaching on )[-\w_\/\. ,]+?(?= \.)	null	null	Business	(?<=time to renew your Hiscox )[-\w_\/\. ]+?(?= Insurance)	2024-02-05
hiscox-business-1	Hiscox Business Insurance - Policy number - sbtbezsa/p Company name: Hyde-Davis It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : sbtbezsa/p. Company name: Hyde-Davis. Your Hiscox Insurance premium. Last year’s annual premium: This year’s annual premium. £ 4,585.67. £ 4,585.67. The premium includes all applicable insurance premium tax (IPT). Dear Mrs Katy Jackson. Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 2021-04-11 . Good news; if you want cover to continue with us and to make sure you stay protected by our award-winning cover, you do not need to do anything. We will update your policy onto our latest wording and continue to collect payment using the payment details we have for you. You must read the important information contained in this email and the attached documents. Your Hiscox Insurance Premium breakdown. The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). The amount shown as last year’s Annual premium will take into account any changes to the cover which may have been made during the last policy period. Cover. Last year’s annual premium (exc IPT). This year’s annual Premium (exc IPT). Professional indemnity. £6,179.64. £6,179.64. Legal protection. £7,953.42. £7,953.42. Crisis containment. £6,466.58. Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy . Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government increase in Insurance Premium Tax as shown. Is our information correct? Your premium and cover are based on what you’ve told us about Hyde-Davis , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay. . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover. Policy summary for each cover. ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover . As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before 2021-04-11 . We’re here between 8:30am - 5:30pm Monday to Friday . Please note that we can only discuss policy changes with people named on the policy. Why renew with Hiscox. - Reassuring: we offer a range of cover options that can be tailored to your needs. - Flexible: we offer full flexibility to change your policy, with no administration fees . - Award-winning cover : we’ve been named Best Small Business Insurer 7 years running by Start Your Business Magazine . Please click this link for the Hiscox Referral Portal: https://refer.aklamio.com/hiscox/uk?source=postpurchase. Thank you again for choosing Hiscox to insure your business. We hope you and your business have a very successful year. Kind regards. Jon Dye. CEO, Hiscox UK. Business Insurance for the small and the brave. To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre. Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. This email and any files transmitted with it are confidential and intended solely for the use of the individual or entity to whom they are addressed. No one else is authorised to distribute, forward, print, copy or act upon any information contained in this email. If you have received this email in error, please notify the sender. Hiscox Syndicates Limited and Hiscox Insurance Company Limited are authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Hiscox Underwriting Limited, Hiscox Underwriting Services Ltd, Hiscox MGA Ltd and Hiscox ASM Ltd are authorised and regulated by the Financial Conduct Authority. Hiscox Assure SAS is duly registered as an insurance broker with the ORIAS, which is the French Official Registry of Insurance Intermediaries. Hiscox plc is a company registered in England and Wales under company registration number 2837811 and registered office at 1 Great St Helen's, London EC3A 6HX. Hiscox SA is a company registered in Luxembourg at 35 Avenue John F. Kennedy 35F, Luxembourg L-1855, and is authorised by the Commissariat aux Assurances de Luxembourg. It’s time to renew your Hiscox Business Insurance Hiscox Insurance policy number : sbtbezsa/p Company name: Hyde-Davis . It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : sbtbezsa/p Company name: Hyde-Davis . Your Hiscox Insurance premium Last year’s annual premium: This year’s annual premium The premium includes all applicable insurance premium tax (IPT). £ 4,585.67 £ 4,585.67 . Your Hiscox Insurance premium . Last year’s annual premium: This year’s annual premium £ 4,585.67 £ 4,585.67 . The premium includes all applicable insurance premium tax (IPT). Dear Mrs Katy Jackson . Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 2021-04-11 . Good news; if you want cover to continue with us and to make sure you stay protected by our award-winning cover, you do not need to do anything. We will update your policy onto our latest wording and continue to collect payment using the payment details we have for you. You must read the important information contained in this email and the attached documents Your Hiscox Insurance Premium breakdown The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). The amount shown as last year’s Annual premium will take into account any changes to the cover which may have been made during the last policy period. Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) Professional indemnity £6,179.64 £6,179.64 Legal protection £7,953.42 £7,953.42 Crisis containment £6,466.58 Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government increase in Insurance Premium Tax as shown. Is our information correct? Your premium and cover are based on what you’ve told us about Hyde-Davis , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover Policy summary for each cover ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before 2021-04-11 . We’re here between 8:30am - 5:30pm Monday to Friday . Please note that we can only discuss policy changes with people named on the policy. Why renew with Hiscox - Reassuring: we offer a range of cover options that can be tailored to your needs - Flexible: we offer full flexibility to change your policy, with no administration fees - Award-winning cover : we’ve been named Best Small Business Insurer 7 years running by Start Your Business Magazine Please click this link for the Hiscox Referral Portal: https://refer.aklamio.com/hiscox/uk?source=postpurchase Thank you again for choosing Hiscox to insure your business. We hope you and your business have a very successful year. Kind regards Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 2021-04-11 . Good news; if you want cover to continue with us and to make sure you stay protected by our award-winning cover, you do not need to do anything. We will update your policy onto our latest wording and continue to collect payment using the payment details we have for you. You must read the important information contained in this email and the attached documents Your Hiscox Insurance Premium breakdown The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). The amount shown as last year’s Annual premium will take into account any changes to the cover which may have been made during the last policy period. Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) Professional indemnity £6,179.64 £6,179.64 Legal protection £7,953.42 £7,953.42 Crisis containment £6,466.58 Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government increase in Insurance Premium Tax as shown. Is our information correct? Your premium and cover are based on what you’ve told us about Hyde-Davis , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover Policy summary for each cover ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before 2021-04-11 . We’re here between 8:30am - 5:30pm Monday to Friday . Please note that we can only discuss policy changes with people named on the policy. Why renew with Hiscox - Reassuring: we offer a range of cover options that can be tailored to your needs - Flexible: we offer full flexibility to change your policy, with no administration fees - Award-winning cover : we’ve been named Best Small Business Insurer 7 years running by Start Your Business Magazine Please click this link for the Hiscox Referral Portal: https://refer.aklamio.com/hiscox/uk?source=postpurchase Thank you again for choosing Hiscox to insure your business. We hope you and your business have a very successful year. Kind regards Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Your Hiscox Insurance Premium breakdown The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). Cover Professional indemnity Legal protection Crisis containment . Last year’s annual premium (exc IPT) £6,179.64 £7,953.42 £6,466.58 . This year’s annual Premium (exc IPT) £6,179.64 £7,953.42 . Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) . Professional indemnity £6,179.64 £6,179.64 . Legal protection £7,953.42 £7,953.42 . Crisis containment £6,466.58 . Kind regards Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre . Kind regards . Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave . To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre . Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Page / 1 Hiscox Business Insurance Policy wording 17431a - DC565 WORDING 04/17Guide to sectionsIntroduction Policy wordings General terms and conditions Professional indemnity for business management consultants Legal protection Crisis containment Hiscox Business Insurance Policy wording 17431a - DC565 WORDING 04/17IntroductionThank you for choosing Hiscox to protect your business. We hope that the language and layout of this policy wording are clear because we want you to understand the insurance we provide as well as the responsibilities we have to each other. Please read this document, including the policy schedule, policy summary and statement of fact, and let us know as soon as possible if any of the details are shown incorrectly. We always try to deliver to the highest standards of service. Your views are important to us, so if you feel that our service is below the standard you would expect from Hiscox, please contact us on the phone number shown in your policy schedule. Please note that some of the words we use in this insurance are shown in bold type. These words are defined in each section of the wording. Page / 1 Hiscox Insurance Payment schedule Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Thank you for continuing to pay for your policy by Direct Debit. Please check these details and let us know if anything is incorrect or if the schedule is not suitable. Your reference details Account holder name: Katy 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 Sunday 04 October, 2020 £4,585.67 Where your chosen collection date falls ona non-working day then we will endeavour to collect the next working day. For your information, the collections will be made using the following reference number: Originator Identification Number: 293461 Reference Number: sbtbezsa/p If you have any questions about your policy or payments, please call us on 0800 280 0351. We’re here between 8:30am - 5:30pm Monday to Friday or you can email us at service@hiscox.co.uk. Using your personal information Hiscox isa trading name ofa number of Hiscox companies. The specific company acting asa data controller of your personal information will be listed in the documentation we provide to you. If you are unsure you can also contact us at anytime by telephoning 01904 681198 or by emailing us at dataprotectionofficer@hiscox.com. We collect and process information about you in order to provide insurance policies and to process claims. Your information is also used for business purposes such as fraud prevention and detection and financial management. This may involve sharing your information with, and obtaining information about you from, our group companies and third parties such as brokers, loss adjusters, credit reference agencies, service providers, professional advisors, our regulators or fraud prevention agencies. We may record telephone calls to help us monitor and improve the service we provide. For further information on how your information is used and your rights in relation to your information please see our privacy policy at www.hiscox.co.uk/cookies-privacy. The Direct Debit Guarantee This Guarantee is offered by all banks and building societies that accept instructions to pay Direct Debits. If there are any changes to the amount, date or frequency of your Direct Debit Hiscox Underwriting Ltd will notify you ten working days in advance of your account being debited or as otherwise agreed. If you request Hiscox Underwriting Ltd to collect a payment, confirmation of the amount and date will be given to you at the time of the request. If an error is made in the payment of your Direct Debit by Hiscox Underwriting Ltd or your bank or building society you are entitled to a full and immediate refund of the amount paid from your bank or building society. – If you receive a refund you are not entitled to, you must pay it back when Hiscox Underwriting Ltd asks you to. You can cancel a Direct Debit at anytime by simply contacting your bank or building society. Written confirmation maybe required. Please also notify us. Page / 1 Hiscox Business Insurance Policy summary JAC-PSC-UK-DC556(5.4) 17431b 07/20 Your Hiscox Business Insurance policy summaries This document contains the summaries for any policy covers you have selected to protect your business. These summaries outline the key information about your policies so you can be confident that you have understood what you have bought and what you are covered for. However, you should carefully read your policy in full and ensure that you understand its terms and conditions in full. If you have any queries, you should contact Hiscox or your insurance advisor. Your side of the bargain Remember, your premium and insurance are based on the details you have provided to us. Please make sure this information accurately reflects your business and that you inform us immediately if anything needs to change. Please also tell us of any changes in circumstances that may affect the services provided by us or the cover provided by your policy. This is particularly important before taking out a policy, but it also applies throughout the life of the policy too. You need to consider: ■if you fail to fairly present the risk to us, including by failing to disclose any information material to the insurance, you could invalidate the policy, claims may not be paid or the amount we pay maybe reduced; ■you should read and check all insurance documents to ensure that you are aware of the cover, limits and other terms that apply; ■if you fail to let us know of any changes to your circumstances during the period of insurance or, if when telling us about such changes you fail to present the risk to us fairly, you could invalidate the policy, claims may not be paid or the amount we pay maybe reduced; ■please be aware of all terms and conditions of your policy because failure to comply with them could invalidate it or result in us not paying a claim or reducing the amount we pay; ■in the event ofa claim, you should take note of the required procedures, such as giving Hiscox prompt notice of the claims, as stated in the policy documentation. In particular, if you fail to notify us when you first become aware ofa shortcoming, fact, or problem, admit you are liable for what has happened or appoint solicitors or other legal representation without our prior written approval, claims or defence costs may not be paid or the amount we pay maybe reduced; ■as with any insurance, you have an obligation to take reasonable steps to mitigate any loss or liability; ■if you make a fraudulent claim or try to deceive us, we may terminate the policy. Policy length The period of insurance is shown on your policy schedule. Your policy schedule will also show if the policy is ona continuing cover basis. If itis ona continuing cover basis, we will renew your policy each year for another 12 months and continue to take payment (including any premium adjustment shown in your renewal invitation) using your existing arrangement, unless you tell us otherwise or if your risk changes. If your policy schedule does not show that the policy is ona continuing cover basis, cover will cease at the end of the period of insurance, unless you renew your policy with us. We will provide you witha statement of fact each year and provided that the information contained within the statement of fact is true, complete and accurate, you do not need to provide us with any further information. If any of the information in your statement of fact is not true, complete and accurate, you must let us know. If you do not let us know, it may affect the validity of the policy or our ability to pay a claim. Retroactive dates, geographical and jurisdiction limits Where any section of your policy schedule includes a retroactive date, we will not make any payment for any claim or loss under that section which arises from any activity performed or any act, incident or occurrence taking place, before the retroactive date. Where any section of your policy schedule shows the geographical limits which apply to that section of the policy, we will only pay for claims and losses under that section which arise from activities performed or acts, incidents or occurrences taking place within those geographical limits. Where any section provides cover in respect of your liability to third parties, we will only cover claims first made ina country within the applicable courts stated in that section of your policy schedule. Hiscox Business Insurance Policy summary JAC-PSC-UK-DC556(5.4) 17431b 07/20 Cancellation rights You can cancel this policy by giving us 30 days' notice. You will only be charged for the premiums due up to the date of cancellation. If we need to cancel the policy, we’ll give you 30 days’ notice in writing and refund any surplus premiums you might have paid. Please note – we may deduct an administration fee from any refunded payment.There is an exception to our 30-day notice period, which is triggered when we don’t receive your Direct Debit payments within the agreed 14-day period. At this point, we will contact you as soon as possible and stop the policyPage / 2 immediately. Underwritten by:Hiscox Underwriting Ltd on behalf of the insurers named in the schedule. Page / 1 Certificate of professional indemnity insurance Hyde-Davis Hiscox Underwriting Ltd of 1 Great St. Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Certificate of professional indemnity Insurance Policy number:sbtbezsa/p Name of policy holder:Hyde-Davis Period of insurance: From 2021-04-11 to Sun 25 August, 2019 both days inclusive. This policy isa Continuing cover policy Insurer: Hiscox Insurance Company Limited Retroactive date: 25 July, 2020 Level of cover:£1,000,000 Signed on behalf of Hiscox Underwriting Limited as agent for the insurers Jon Dye CEO, Hiscox UK Notes: (a) This insurance is subject to policy terms and conditions and any special terms notified to the InsuredPage / 1 Hiscox Business Insurance Policy Schedule 14502 10/18 This schedule tells you what is insured with us. It should be read carefully with your policy wording(s) and statement of fact detailed elsewhere in this document. Schedule effective date: 2021-04-11 Insurance details Policy number: sbtbezsa/p Period of insurance: From 2021-04-11 to Sun 25 August, 2019 both days inclusive. This policy isa Continuing cover policy. Insured: Hyde-Davis Address: 814 Noble way Marieview FARNHAM DY76 4HN Additional insureds: None Business: Management Consultants Premium details Charged premium – the total amount you’ll pay for this policy. Charged premium: £4,234.88 Insurance Premium Tax (IPT): £5,217.54 Total charged premium: £4,585.67 Annualised premium – the annual premium for this policy. This is given for comparison purposes. Please refer to the charged premium section for the amount you’ll pay for the policy. Annual premium: £4,234.88 Insurance Premium Tax (IPT): £5,217.54 Annual total: £4,585.67 Please note that there will be no refund or additional premium for any transaction which is less than £20 (excluding IPT). Hiscox Business Insurance Policy Schedule 14502 10/18 Summary Claims information If you need to make a claim: - For claims relating to your building or contents please contact our claims team on 0800 247 1902, 9.00am – 5:30pm Monday to Friday. If you wish to make a claim online, you can log most claims quickly and easily through our claims notification portal at https://claims.hiscox.co.uk/. Outside of normal business hours, if you require emergency assistance in relation to substantial damage to your property, you can speak to our 24-hour emergency assistance team using the telephone number above. Your policy schedule will state if property cover is included in your policy. Our out-of-hours emergency assistance team operate ona pay-and-claim basis and you will need to have credit card details available as appropriate. The team will then be able to direct you to essential tradesmen, emergency loss adjusters or disaster management companies in the event of substantial damage. - If there isa claim (or potential claim) against you bya third party, please email us at liability.claims@hiscox.com. If you need to speak to a member of the claims team urgently, please call our team on 0800 711 7156, 9.00am – 5:30pm Monday to Friday. If you wish to make a claim online, you can log most claims quickly and easily through our claims notification portal at https://claims.hiscox.co.uk/. You will need to provide your full name and contact details, the name of your business or organisation, your address and postcode, the policy reference and circumstances of the claim. The Important information and contact details section below contains additional information specific to the covers applicable to your policy. If you are unsure of who to contact please call our team on 0800 711 7156, 9.00am – 5:30pm Monday to Friday. They will ensure you get through to the correct claims team and let you know what actions you need to take. If anything happens that might be covered under the policy, you must comply with the obligations set out in General claims conditions, together with the obligations set out under Your obligations in the section or sections under which you are making the claim. Itis important that you read the policy for details of its terms in full. Your covers This isa summary of each section of your policy. See each section for cover details. Cover Insurance amount Excess Annual Premium (exc IPT) Professional indemnity £1,000,000 £1,000 £6,179.64 Legal protection £100,000 £0 £7,953.42 Crisis containment £25,000 - £6,466.58 The figures above are in summary only and are not in addition to the amount insured specified against each cover section below. Hiscox Business Insurance Policy Schedule 14502 10/18 SECTION: PROFESSIONAL INDEMNITY – MANAGEMENT CONSULTANTS Cover start date: 2021-04-11 Limit of indemnity £1,000,000 Limit applies to in the aggregate, including all costs Excess £1,000 Excess applies to each and every claim or loss, including all costs Geographical limits Worldwide Applicable courts Worldwide (excluding United States of America and Canada) Claims brought in USA or Canada Not covered Additional covers (in addition to overall limit of indemnity stated above) Cover Limit of indemnity Limit applies to Court attendance compensation - employees £250 per person, per day Court attendance compensation - directors and partners£500 per person, per day Court attendance compensation: in total £100,000 in the aggregate Special limits (included within not in addition to the overall limit of indemnity stated above) Cover Limit of indemnity Limit applies to Personal dataPage / 2 claims £250,000 in the aggregate, including all costs Business activities Business management consultant Retroactive date 25 July, 2020 Insurer Hiscox Insurance Company LimitedPage / 1 Hiscox Insurance Summary of change Introduction This document has been created to help you understand the key changes to your Hiscox Insurance policy and how they may impact you. Your policy continues to offer professional, tailored insurance to protect you and give you peace of mind that if you need us, you will be supported by our award winning claims team. If you have a query not covered by this document, or if you have any questions or concerns about your policy you should contact us. Frequently asked questions What if my circumstances change during the period of insurance? If your circumstances change during the period of insurance, you only need to let us know if the change means that any of the information in the Statement of Fact is no longer true, complete and accurate. If there are no such changes, you do not need to let us know. If any of the information within the Statement of Fact becomes no longer complete, true or accurate at any point during the period of insurance you must tell us as it may affect the validity of the policy or our ability to pay a claim. Additionally, if your contact details change then you should let us know straightaway. Where doI find the limits that apply to my policy? You can find your maximum allowable limits for turnover and wage rollin your Statement of Fact. You must check this information and tell us or your broker if you expect to exceed the maximum amounts shown. Please note these values may have changed. If there are special limits or special excesses applying to particular covers or types of losses these will be shown in the policy schedule. Please check your policy schedule carefully as they may have changed. My new schedule shows a different premium to last year? What has changed? If an underwriter has reviewed your policy then they may have manually adjusted your premium, for example if you’ve had claims in the last 12 months. Where doI find out about any endorsements on my policy? You will be able to see if an endorsement has been applied or removed by reviewing your Policy Schedule. If you have any queries or concerns, please contact us or your broker if you have one. Hiscox Insurance Summary of change Professional indemnity for business management consultants Summary of change Changes to the cover The following table shows the differences between our new policy wordings (5570 WD- PROF-UK-MAN(7), 15579 WD-PROF-UK-MAN-AG(3)) and our previous wordings (5570 WD-PROF-UK-MAN(6), 15579 WD-PROF-UK-MAN-AG(2)). This isa summary of the changes only. You should refer to the schedule and policy wording for the full description of the cover in place. Area of cover Previous policy New policy Improvement in cover Claims against you Advertising claims. We will pay claims arising from your advertising or branding for defamation or infringement of copyright or moral rights. This does not include claims for passing off, unauthorised use of trademarks or false or misleading advertising. Previously cover was not restricted to defamation or the infringement of copyright or moral rights.Covered Amended Your own lossesChanges to ‘what is covered’ Losses from dishonesty. Your losses arising from the dishonesty of your employees, sub-contractors or outsourcers.Covered Not covered Area of cover Previous policy New policy Improvement in cover Cyber incident. We will not pay claims relating to an actual or possible cyber attack, hacker or social engineering communication. Previously we excluded any virus not specifically targeted at your system.Covered Not covered Computer or digital technology error. We will not pay claims arising from any negligent act, error or omission in the operation or maintenance of computer or digital technology such as development, installation, patching or upgrading.Covered Not coveredChanges to ‘what is not covered’ Infrastructure. We will not pay claims arising from the failure of the service provided by internet, telecommunications, utilities or other infrastructure providers.Covered Not covered Hiscox Insurance Summary of change Personal data. We will not pay claims relating to personal data. We will pay such claims where they arise from your performance ofa business activity and which is not otherwise excluded. Subject to the limit shown in the schedule.Covered Not covered Other important changes Control of defence. Under the previous wording we had a duty to defend you against any covered claim brought against you. We now have the right but not the obligation to take control of the conduct of the claim including the appointment of legal representation. Please refer to the policy wording for full details. SOC-PROF-UK-MAN(1) 21367 01/21	sbtbezsa/p	(?<=Policy number - )[-\w_\/\.]+?(?= Company name)	2021-04-11	(?<=anniversary of your policy is approaching on )[-\w_\/\. ,]+?(?= \.)	null	null	Business	(?<=time to renew your Hiscox )[-\w_\/\. ]+?(?= Insurance)	2024-02-05
hiscox-business-1	Hiscox Business Insurance - Policy number - D0UKGOQ/TN.KSQB9 Company name: Dean-Jones It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : D0UKGOQ/TN.KSQB9. Company name: Dean-Jones. Your Hiscox Insurance premium. Last year’s annual premium: This year’s annual premium. £ 645.34. £ 645.34. The premium includes all applicable insurance premium tax (IPT). Dear Dr Ross Gray. Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 2025-07-27 . 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. £6,843.90. £6,843.90. Legal protection. £5,042.09. £5,042.09. Crisis containment. £2,720.58. Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy . Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government increase in Insurance Premium Tax as shown. Is our information correct? Your premium and cover are based on what you’ve told us about Dean-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 2025-07-27 . 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 : D0UKGOQ/TN.KSQB9 Company name: Dean-Jones . It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : D0UKGOQ/TN.KSQB9 Company name: Dean-Jones . Your Hiscox Insurance premium Last year’s annual premium: This year’s annual premium The premium includes all applicable insurance premium tax (IPT). £ 645.34 £ 645.34 . Your Hiscox Insurance premium . Last year’s annual premium: This year’s annual premium £ 645.34 £ 645.34 . The premium includes all applicable insurance premium tax (IPT). Dear Dr Ross Gray . Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 2025-07-27 . 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 £6,843.90 £6,843.90 Legal protection £5,042.09 £5,042.09 Crisis containment £2,720.58 Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government increase in Insurance Premium Tax as shown. Is our information correct? Your premium and cover are based on what you’ve told us about Dean-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 2025-07-27 . 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 2025-07-27 . 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 £6,843.90 £6,843.90 Legal protection £5,042.09 £5,042.09 Crisis containment £2,720.58 Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government increase in Insurance Premium Tax as shown. Is our information correct? Your premium and cover are based on what you’ve told us about Dean-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 2025-07-27 . 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) £6,843.90 £5,042.09 £2,720.58 . This year’s annual Premium (exc IPT) £6,843.90 £5,042.09 . Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) . Professional indemnity £6,843.90 £6,843.90 . Legal protection £5,042.09 £5,042.09 . Crisis containment £2,720.58 . Kind regards Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre . Kind regards . Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave . To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre . Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Page / 1 Hiscox Business Insurance Policy wording 17431a - DC565 WORDING 04/17Guide to sectionsIntroduction Policy wordings General terms and conditions Professional indemnity for business management consultants Legal protection Crisis containment Hiscox Business Insurance Policy wording 17431a - DC565 WORDING 04/17IntroductionThank you for choosing Hiscox to protect your business. We hope that the language and layout of this policy wording are clear because we want you to understand the insurance we provide as well as the responsibilities we have to each other. Please read this document, including the policy schedule, policy summary and statement of fact, and let us know as soon as possible if any of the details are shown incorrectly. We always try to deliver to the highest standards of service. Your views are important to us, so if you feel that our service is below the standard you would expect from Hiscox, please contact us on the phone number shown in your policy schedule. Please note that some of the words we use in this insurance are shown in bold type. These words are defined in each section of the wording. Page / 1 Hiscox Insurance Payment schedule Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Thank you for continuing to pay for your policy by Direct Debit. Please check these details and let us know if anything is incorrect or if the schedule is not suitable. Your reference details Account holder name: Ross Gray Frequency of collection: Annual Sort code: %BANK_SORT_CODE_1% Account number: %BANK_ACCOUNT_NUMBER_1% Your Direct Debit schedule We will take payments on the dates outlined below: Date Amount 22 July, 2024 £645.34 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: D0UKGOQ/TN.KSQB9 If you have any questions about your policy or payments, please call us on 0800 280 0351. We’re here between 8:30am - 5:30pm Monday to Friday or you can email us at service@hiscox.co.uk. Using your personal information Hiscox isa trading name ofa number of Hiscox companies. The specific company acting asa data controller of your personal information will be listed in the documentation we provide to you. If you are unsure you can also contact us at anytime by telephoning 01904 681198 or by emailing us at dataprotectionofficer@hiscox.com. We collect and process information about you in order to provide insurance policies and to process claims. Your information is also used for business purposes such as fraud prevention and detection and financial management. This may involve sharing your information with, and obtaining information about you from, our group companies and third parties such as brokers, loss adjusters, credit reference agencies, service providers, professional advisors, our regulators or fraud prevention agencies. We may record telephone calls to help us monitor and improve the service we provide. For further information on how your information is used and your rights in relation to your information please see our privacy policy at www.hiscox.co.uk/cookies-privacy. The Direct Debit Guarantee This Guarantee is offered by all banks and building societies that accept instructions to pay Direct Debits. If there are any changes to the amount, date or frequency of your Direct Debit Hiscox Underwriting Ltd will notify you ten working days in advance of your account being debited or as otherwise agreed. If you request Hiscox Underwriting Ltd to collect a payment, confirmation of the amount and date will be given to you at the time of the request. If an error is made in the payment of your Direct Debit by Hiscox Underwriting Ltd or your bank or building society you are entitled to a full and immediate refund of the amount paid from your bank or building society. – If you receive a refund you are not entitled to, you must pay it back when Hiscox Underwriting Ltd asks you to. You can cancel a Direct Debit at anytime by simply contacting your bank or building society. Written confirmation maybe required. Please also notify us. Page / 1 Hiscox Business Insurance Policy summary JAC-PSC-UK-DC556(5.4) 17431b 07/20 Your Hiscox Business Insurance policy summaries This document contains the summaries for any policy covers you have selected to protect your business. These summaries outline the key information about your policies so you can be confident that you have understood what you have bought and what you are covered for. However, you should carefully read your policy in full and ensure that you understand its terms and conditions in full. If you have any queries, you should contact Hiscox or your insurance advisor. Your side of the bargain Remember, your premium and insurance are based on the details you have provided to us. Please make sure this information accurately reflects your business and that you inform us immediately if anything needs to change. Please also tell us of any changes in circumstances that may affect the services provided by us or the cover provided by your policy. This is particularly important before taking out a policy, but it also applies throughout the life of the policy too. You need to consider: ■if you fail to fairly present the risk to us, including by failing to disclose any information material to the insurance, you could invalidate the policy, claims may not be paid or the amount we pay maybe reduced; ■you should read and check all insurance documents to ensure that you are aware of the cover, limits and other terms that apply; ■if you fail to let us know of any changes to your circumstances during the period of insurance or, if when telling us about such changes you fail to present the risk to us fairly, you could invalidate the policy, claims may not be paid or the amount we pay maybe reduced; ■please be aware of all terms and conditions of your policy because failure to comply with them could invalidate it or result in us not paying a claim or reducing the amount we pay; ■in the event ofa claim, you should take note of the required procedures, such as giving Hiscox prompt notice of the claims, as stated in the policy documentation. In particular, if you fail to notify us when you first become aware ofa shortcoming, fact, or problem, admit you are liable for what has happened or appoint solicitors or other legal representation without our prior written approval, claims or defence costs may not be paid or the amount we pay maybe reduced; ■as with any insurance, you have an obligation to take reasonable steps to mitigate any loss or liability; ■if you make a fraudulent claim or try to deceive us, we may terminate the policy. Policy length The period of insurance is shown on your policy schedule. Your policy schedule will also show if the policy is ona continuing cover basis. If itis ona continuing cover basis, we will renew your policy each year for another 12 months and continue to take payment (including any premium adjustment shown in your renewal invitation) using your existing arrangement, unless you tell us otherwise or if your risk changes. If your policy schedule does not show that the policy is ona continuing cover basis, cover will cease at the end of the period of insurance, unless you renew your policy with us. We will provide you witha statement of fact each year and provided that the information contained within the statement of fact is true, complete and accurate, you do not need to provide us with any further information. If any of the information in your statement of fact is not true, complete and accurate, you must let us know. If you do not let us know, it may affect the validity of the policy or our ability to pay a claim. Retroactive dates, geographical and jurisdiction limits Where any section of your policy schedule includes a retroactive date, we will not make any payment for any claim or loss under that section which arises from any activity performed or any act, incident or occurrence taking place, before the retroactive date. Where any section of your policy schedule shows the geographical limits which apply to that section of the policy, we will only pay for claims and losses under that section which arise from activities performed or acts, incidents or occurrences taking place within those geographical limits. Where any section provides cover in respect of your liability to third parties, we will only cover claims first made ina country within the applicable courts stated in that section of your policy schedule. Hiscox Business Insurance Policy summary JAC-PSC-UK-DC556(5.4) 17431b 07/20 Cancellation rights You can cancel this policy by giving us 30 days' notice. You will only be charged for the premiums due up to the date of cancellation. If we need to cancel the policy, we’ll give you 30 days’ notice in writing and refund any surplus premiums you might have paid. Please note – we may deduct an administration fee from any refunded payment.There is an exception to our 30-day notice period, which is triggered when we don’t receive your Direct Debit payments within the agreed 14-day period. At this point, we will contact you as soon as possible and stop the policyPage / 2 immediately. Underwritten by:Hiscox Underwriting Ltd on behalf of the insurers named in the schedule. Page / 1 Certificate of professional indemnity insurance Dean-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:D0UKGOQ/TN.KSQB9 Name of policy holder:Dean-Jones Period of insurance: From 2025-07-27 to 27/05/19 both days inclusive. This policy isa Continuing cover policy Insurer: Hiscox Insurance Company Limited Retroactive date: 22/04/24 Level of cover:£1,000,000 Signed on behalf of Hiscox Underwriting Limited as agent for the insurers Jon Dye CEO, Hiscox UK Notes: (a) This insurance is subject to policy terms and conditions and any special terms notified to the InsuredPage / 1 Hiscox Business Insurance Policy Schedule 14502 10/18 This schedule tells you what is insured with us. It should be read carefully with your policy wording(s) and statement of fact detailed elsewhere in this document. Schedule effective date: 2025-07-27 Insurance details Policy number: D0UKGOQ/TN.KSQB9 Period of insurance: From 2025-07-27 to 27/05/19 both days inclusive. This policy isa Continuing cover policy. Insured: Dean-Jones Address: 5 Elliott greens West Georgina FARNHAM LD57 9GE Additional insureds: None Business: Management Consultants Premium details Charged premium – the total amount you’ll pay for this policy. Charged premium: £6,984.64 Insurance Premium Tax (IPT): £4,067.95 Total charged premium: £645.34 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: £6,984.64 Insurance Premium Tax (IPT): £4,067.95 Annual total: £645.34 Please note that there will be no refund or additional premium for any transaction which is less than £20 (excluding IPT). Hiscox Business Insurance Policy Schedule 14502 10/18 Summary Claims information If you need to make a claim: - For claims relating to your building or contents please contact our claims team on 0800 247 1902, 9.00am – 5:30pm Monday to Friday. If you wish to make a claim online, you can log most claims quickly and easily through our claims notification portal at https://claims.hiscox.co.uk/. Outside of normal business hours, if you require emergency assistance in relation to substantial damage to your property, you can speak to our 24-hour emergency assistance team using the telephone number above. Your policy schedule will state if property cover is included in your policy. Our out-of-hours emergency assistance team operate ona pay-and-claim basis and you will need to have credit card details available as appropriate. The team will then be able to direct you to essential tradesmen, emergency loss adjusters or disaster management companies in the event of substantial damage. - If there isa claim (or potential claim) against you bya third party, please email us at liability.claims@hiscox.com. If you need to speak to a member of the claims team urgently, please call our team on 0800 711 7156, 9.00am – 5:30pm Monday to Friday. If you wish to make a claim online, you can log most claims quickly and easily through our claims notification portal at https://claims.hiscox.co.uk/. You will need to provide your full name and contact details, the name of your business or organisation, your address and postcode, the policy reference and circumstances of the claim. The Important information and contact details section below contains additional information specific to the covers applicable to your policy. If you are unsure of who to contact please call our team on 0800 711 7156, 9.00am – 5:30pm Monday to Friday. They will ensure you get through to the correct claims team and let you know what actions you need to take. If anything happens that might be covered under the policy, you must comply with the obligations set out in General claims conditions, together with the obligations set out under Your obligations in the section or sections under which you are making the claim. Itis important that you read the policy for details of its terms in full. Your covers This isa summary of each section of your policy. See each section for cover details. Cover Insurance amount Excess Annual Premium (exc IPT) Professional indemnity £1,000,000 £1,000 £6,843.90 Legal protection £100,000 £0 £5,042.09 Crisis containment £25,000 - £2,720.58 The figures above are in summary only and are not in addition to the amount insured specified against each cover section below. Hiscox Business Insurance Policy Schedule 14502 10/18 SECTION: PROFESSIONAL INDEMNITY – MANAGEMENT CONSULTANTS Cover start date: 2025-07-27 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 dataPage / 2 claims £250,000 in the aggregate, including all costs Business activities Business management consultant Retroactive date 22/04/24 Insurer Hiscox Insurance Company LimitedPage / 1 Hiscox Insurance Summary of change Introduction This document has been created to help you understand the key changes to your Hiscox Insurance policy and how they may impact you. Your policy continues to offer professional, tailored insurance to protect you and give you peace of mind that if you need us, you will be supported by our award winning claims team. If you have a query not covered by this document, or if you have any questions or concerns about your policy you should contact us. Frequently asked questions What if my circumstances change during the period of insurance? If your circumstances change during the period of insurance, you only need to let us know if the change means that any of the information in the Statement of Fact is no longer true, complete and accurate. If there are no such changes, you do not need to let us know. If any of the information within the Statement of Fact becomes no longer complete, true or accurate at any point during the period of insurance you must tell us as it may affect the validity of the policy or our ability to pay a claim. Additionally, if your contact details change then you should let us know straightaway. Where doI find the limits that apply to my policy? You can find your maximum allowable limits for turnover and wage rollin your Statement of Fact. You must check this information and tell us or your broker if you expect to exceed the maximum amounts shown. Please note these values may have changed. If there are special limits or special excesses applying to particular covers or types of losses these will be shown in the policy schedule. Please check your policy schedule carefully as they may have changed. My new schedule shows a different premium to last year? What has changed? If an underwriter has reviewed your policy then they may have manually adjusted your premium, for example if you’ve had claims in the last 12 months. Where doI find out about any endorsements on my policy? You will be able to see if an endorsement has been applied or removed by reviewing your Policy Schedule. If you have any queries or concerns, please contact us or your broker if you have one. Hiscox Insurance Summary of change Professional indemnity for business management consultants Summary of change Changes to the cover The following table shows the differences between our new policy wordings (5570 WD- PROF-UK-MAN(7), 15579 WD-PROF-UK-MAN-AG(3)) and our previous wordings (5570 WD-PROF-UK-MAN(6), 15579 WD-PROF-UK-MAN-AG(2)). This isa summary of the changes only. You should refer to the schedule and policy wording for the full description of the cover in place. Area of cover Previous policy New policy Improvement in cover Claims against you Advertising claims. We will pay claims arising from your advertising or branding for defamation or infringement of copyright or moral rights. This does not include claims for passing off, unauthorised use of trademarks or false or misleading advertising. Previously cover was not restricted to defamation or the infringement of copyright or moral rights.Covered Amended Your own lossesChanges to ‘what is covered’ Losses from dishonesty. Your losses arising from the dishonesty of your employees, sub-contractors or outsourcers.Covered Not covered Area of cover Previous policy New policy Improvement in cover Cyber incident. We will not pay claims relating to an actual or possible cyber attack, hacker or social engineering communication. Previously we excluded any virus not specifically targeted at your system.Covered Not covered Computer or digital technology error. We will not pay claims arising from any negligent act, error or omission in the operation or maintenance of computer or digital technology such as development, installation, patching or upgrading.Covered Not coveredChanges to ‘what is not covered’ Infrastructure. We will not pay claims arising from the failure of the service provided by internet, telecommunications, utilities or other infrastructure providers.Covered Not covered Hiscox Insurance Summary of change Personal data. We will not pay claims relating to personal data. We will pay such claims where they arise from your performance ofa business activity and which is not otherwise excluded. Subject to the limit shown in the schedule.Covered Not covered Other important changes Control of defence. Under the previous wording we had a duty to defend you against any covered claim brought against you. We now have the right but not the obligation to take control of the conduct of the claim including the appointment of legal representation. Please refer to the policy wording for full details. SOC-PROF-UK-MAN(1) 21367 01/21	D0UKGOQ/TN.KSQB9	(?<=Policy number - )[-\w_\/\.]+?(?= Company name)	2025-07-27	(?<=anniversary of your policy is approaching on )[-\w_\/\. ,]+?(?= \.)	null	null	Business	(?<=time to renew your Hiscox )[-\w_\/\. ]+?(?= Insurance)	2024-02-05
hiscox-business-1	Hiscox Business Insurance - Policy number - grlukbxskqpsp Company name: Williams, Myers and Storey It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : grlukbxskqpsp. Company name: Williams, Myers and Storey. Your Hiscox Insurance premium. Last year’s annual premium: This year’s annual premium. £ 5,083.35. £ 5,083.35. The premium includes all applicable insurance premium tax (IPT). Dear Ms Conor Khan. Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 10 October, 2024 . Good news; if you want cover to continue with us and to make sure you stay protected by our award-winning cover, you do not need to do anything. We will update your policy onto our latest wording and continue to collect payment using the payment details we have for you. You must read the important information contained in this email and the attached documents. Your Hiscox Insurance Premium breakdown. The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). The amount shown as last year’s Annual premium will take into account any changes to the cover which may have been made during the last policy period. Cover. Last year’s annual premium (exc IPT). This year’s annual Premium (exc IPT). Professional indemnity. £3,928.22. £3,928.22. Legal protection. £8,463.24. £8,463.24. Crisis containment. £8,873.28. Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy . Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government 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, Myers and Storey , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay. . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover. Policy summary for each cover. ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover . As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, 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 October, 2024 . We’re here between 8:30am - 5:30pm Monday to Friday . Please note that we can only discuss policy changes with people named on the policy. Why renew with Hiscox. - Reassuring: we offer a range of cover options that can be tailored to your needs. - Flexible: we offer full flexibility to change your policy, with no administration fees . - Award-winning cover : we’ve been named Best Small Business Insurer 7 years running by Start Your Business Magazine . Please click this link for the Hiscox Referral Portal: https://refer.aklamio.com/hiscox/uk?source=postpurchase. Thank you again for choosing Hiscox to insure your business. We hope you and your business have a very successful year. Kind regards. Jon Dye. CEO, Hiscox UK. Business Insurance for the small and the brave. To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre. Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. This email and any files transmitted with it are confidential and intended solely for the use of the individual or entity to whom they are addressed. No one else is authorised to distribute, forward, print, copy or act upon any information contained in this email. If you have received this email in error, please notify the sender. Hiscox Syndicates Limited and Hiscox Insurance Company Limited are authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Hiscox Underwriting Limited, Hiscox Underwriting Services Ltd, Hiscox MGA Ltd and Hiscox ASM Ltd are authorised and regulated by the Financial Conduct Authority. Hiscox Assure SAS is duly registered as an insurance broker with the ORIAS, which is the French Official Registry of Insurance Intermediaries. Hiscox plc is a company registered in England and Wales under company registration number 2837811 and registered office at 1 Great St Helen's, London EC3A 6HX. Hiscox SA is a company registered in Luxembourg at 35 Avenue John F. Kennedy 35F, Luxembourg L-1855, and is authorised by the Commissariat aux Assurances de Luxembourg. It’s time to renew your Hiscox Business Insurance Hiscox Insurance policy number : grlukbxskqpsp Company name: Williams, Myers and Storey . It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : grlukbxskqpsp Company name: Williams, Myers and Storey . Your Hiscox Insurance premium Last year’s annual premium: This year’s annual premium The premium includes all applicable insurance premium tax (IPT). £ 5,083.35 £ 5,083.35 . Your Hiscox Insurance premium . Last year’s annual premium: This year’s annual premium £ 5,083.35 £ 5,083.35 . The premium includes all applicable insurance premium tax (IPT). Dear Ms Conor Khan . Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 10 October, 2024 . Good news; if you want cover to continue with us and to make sure you stay protected by our award-winning cover, you do not need to do anything. We will update your policy onto our latest wording and continue to collect payment using the payment details we have for you. You must read the important information contained in this email and the attached documents Your Hiscox Insurance Premium breakdown The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). The amount shown as last year’s Annual premium will take into account any changes to the cover which may have been made during the last policy period. Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) Professional indemnity £3,928.22 £3,928.22 Legal protection £8,463.24 £8,463.24 Crisis containment £8,873.28 Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government 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, Myers and Storey , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover Policy summary for each cover ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, 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 October, 2024 . We’re here between 8:30am - 5:30pm Monday to Friday . Please note that we can only discuss policy changes with people named on the policy. Why renew with Hiscox - Reassuring: we offer a range of cover options that can be tailored to your needs - Flexible: we offer full flexibility to change your policy, with no administration fees - Award-winning cover : we’ve been named Best Small Business Insurer 7 years running by Start Your Business Magazine Please click this link for the Hiscox Referral Portal: https://refer.aklamio.com/hiscox/uk?source=postpurchase Thank you again for choosing Hiscox to insure your business. We hope you and your business have a very successful year. Kind regards Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 10 October, 2024 . Good news; if you want cover to continue with us and to make sure you stay protected by our award-winning cover, you do not need to do anything. We will update your policy onto our latest wording and continue to collect payment using the payment details we have for you. You must read the important information contained in this email and the attached documents Your Hiscox Insurance Premium breakdown The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). The amount shown as last year’s Annual premium will take into account any changes to the cover which may have been made during the last policy period. Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) Professional indemnity £3,928.22 £3,928.22 Legal protection £8,463.24 £8,463.24 Crisis containment £8,873.28 Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government 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, Myers and Storey , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover Policy summary for each cover ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, 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 October, 2024 . We’re here between 8:30am - 5:30pm Monday to Friday . Please note that we can only discuss policy changes with people named on the policy. Why renew with Hiscox - Reassuring: we offer a range of cover options that can be tailored to your needs - Flexible: we offer full flexibility to change your policy, with no administration fees - Award-winning cover : we’ve been named Best Small Business Insurer 7 years running by Start Your Business Magazine Please click this link for the Hiscox Referral Portal: https://refer.aklamio.com/hiscox/uk?source=postpurchase Thank you again for choosing Hiscox to insure your business. We hope you and your business have a very successful year. Kind regards Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Your Hiscox Insurance Premium breakdown The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). Cover Professional indemnity Legal protection Crisis containment . Last year’s annual premium (exc IPT) £3,928.22 £8,463.24 £8,873.28 . This year’s annual Premium (exc IPT) £3,928.22 £8,463.24 . Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) . Professional indemnity £3,928.22 £3,928.22 . Legal protection £8,463.24 £8,463.24 . Crisis containment £8,873.28 . Kind regards Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre . Kind regards . Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave . To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre . Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Page / 1 Hiscox Business Insurance Policy wording 17431a - DC565 WORDING 04/17Guide to sectionsIntroduction Policy wordings General terms and conditions Professional indemnity for business management consultants Legal protection Crisis containment Hiscox Business Insurance Policy wording 17431a - DC565 WORDING 04/17IntroductionThank you for choosing Hiscox to protect your business. We hope that the language and layout of this policy wording are clear because we want you to understand the insurance we provide as well as the responsibilities we have to each other. Please read this document, including the policy schedule, policy summary and statement of fact, and let us know as soon as possible if any of the details are shown incorrectly. We always try to deliver to the highest standards of service. Your views are important to us, so if you feel that our service is below the standard you would expect from Hiscox, please contact us on the phone number shown in your policy schedule. Please note that some of the words we use in this insurance are shown in bold type. These words are defined in each section of the wording. Page / 1 Hiscox Insurance Payment schedule Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Thank you for continuing to pay for your policy by Direct Debit. Please check these details and let us know if anything is incorrect or if the schedule is not suitable. Your reference details Account holder name: Conor Khan Frequency of collection: Annual Sort code: %BANK_SORT_CODE_1% Account number: %BANK_ACCOUNT_NUMBER_1% Your Direct Debit schedule We will take payments on the dates outlined below: Date Amount Sun 01 December, 2019 £5,083.35 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: grlukbxskqpsp If you have any questions about your policy or payments, please call us on 0800 280 0351. We’re here between 8:30am - 5:30pm Monday to Friday or you can email us at service@hiscox.co.uk. Using your personal information Hiscox isa trading name ofa number of Hiscox companies. The specific company acting asa data controller of your personal information will be listed in the documentation we provide to you. If you are unsure you can also contact us at anytime by telephoning 01904 681198 or by emailing us at dataprotectionofficer@hiscox.com. We collect and process information about you in order to provide insurance policies and to process claims. Your information is also used for business purposes such as fraud prevention and detection and financial management. This may involve sharing your information with, and obtaining information about you from, our group companies and third parties such as brokers, loss adjusters, credit reference agencies, service providers, professional advisors, our regulators or fraud prevention agencies. We may record telephone calls to help us monitor and improve the service we provide. For further information on how your information is used and your rights in relation to your information please see our privacy policy at www.hiscox.co.uk/cookies-privacy. The Direct Debit Guarantee This Guarantee is offered by all banks and building societies that accept instructions to pay Direct Debits. If there are any changes to the amount, date or frequency of your Direct Debit Hiscox Underwriting Ltd will notify you ten working days in advance of your account being debited or as otherwise agreed. If you request Hiscox Underwriting Ltd to collect a payment, confirmation of the amount and date will be given to you at the time of the request. If an error is made in the payment of your Direct Debit by Hiscox Underwriting Ltd or your bank or building society you are entitled to a full and immediate refund of the amount paid from your bank or building society. – If you receive a refund you are not entitled to, you must pay it back when Hiscox Underwriting Ltd asks you to. You can cancel a Direct Debit at anytime by simply contacting your bank or building society. Written confirmation maybe required. Please also notify us. Page / 1 Hiscox Business Insurance Policy summary JAC-PSC-UK-DC556(5.4) 17431b 07/20 Your Hiscox Business Insurance policy summaries This document contains the summaries for any policy covers you have selected to protect your business. These summaries outline the key information about your policies so you can be confident that you have understood what you have bought and what you are covered for. However, you should carefully read your policy in full and ensure that you understand its terms and conditions in full. If you have any queries, you should contact Hiscox or your insurance advisor. Your side of the bargain Remember, your premium and insurance are based on the details you have provided to us. Please make sure this information accurately reflects your business and that you inform us immediately if anything needs to change. Please also tell us of any changes in circumstances that may affect the services provided by us or the cover provided by your policy. This is particularly important before taking out a policy, but it also applies throughout the life of the policy too. You need to consider: ■if you fail to fairly present the risk to us, including by failing to disclose any information material to the insurance, you could invalidate the policy, claims may not be paid or the amount we pay maybe reduced; ■you should read and check all insurance documents to ensure that you are aware of the cover, limits and other terms that apply; ■if you fail to let us know of any changes to your circumstances during the period of insurance or, if when telling us about such changes you fail to present the risk to us fairly, you could invalidate the policy, claims may not be paid or the amount we pay maybe reduced; ■please be aware of all terms and conditions of your policy because failure to comply with them could invalidate it or result in us not paying a claim or reducing the amount we pay; ■in the event ofa claim, you should take note of the required procedures, such as giving Hiscox prompt notice of the claims, as stated in the policy documentation. In particular, if you fail to notify us when you first become aware ofa shortcoming, fact, or problem, admit you are liable for what has happened or appoint solicitors or other legal representation without our prior written approval, claims or defence costs may not be paid or the amount we pay maybe reduced; ■as with any insurance, you have an obligation to take reasonable steps to mitigate any loss or liability; ■if you make a fraudulent claim or try to deceive us, we may terminate the policy. Policy length The period of insurance is shown on your policy schedule. Your policy schedule will also show if the policy is ona continuing cover basis. If itis ona continuing cover basis, we will renew your policy each year for another 12 months and continue to take payment (including any premium adjustment shown in your renewal invitation) using your existing arrangement, unless you tell us otherwise or if your risk changes. If your policy schedule does not show that the policy is ona continuing cover basis, cover will cease at the end of the period of insurance, unless you renew your policy with us. We will provide you witha statement of fact each year and provided that the information contained within the statement of fact is true, complete and accurate, you do not need to provide us with any further information. If any of the information in your statement of fact is not true, complete and accurate, you must let us know. If you do not let us know, it may affect the validity of the policy or our ability to pay a claim. Retroactive dates, geographical and jurisdiction limits Where any section of your policy schedule includes a retroactive date, we will not make any payment for any claim or loss under that section which arises from any activity performed or any act, incident or occurrence taking place, before the retroactive date. Where any section of your policy schedule shows the geographical limits which apply to that section of the policy, we will only pay for claims and losses under that section which arise from activities performed or acts, incidents or occurrences taking place within those geographical limits. Where any section provides cover in respect of your liability to third parties, we will only cover claims first made ina country within the applicable courts stated in that section of your policy schedule. Hiscox Business Insurance Policy summary JAC-PSC-UK-DC556(5.4) 17431b 07/20 Cancellation rights You can cancel this policy by giving us 30 days' notice. You will only be charged for the premiums due up to the date of cancellation. If we need to cancel the policy, we’ll give you 30 days’ notice in writing and refund any surplus premiums you might have paid. Please note – we may deduct an administration fee from any refunded payment.There is an exception to our 30-day notice period, which is triggered when we don’t receive your Direct Debit payments within the agreed 14-day period. At this point, we will contact you as soon as possible and stop the 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, Myers and Storey Hiscox Underwriting Ltd of 1 Great St. Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Certificate of professional indemnity Insurance Policy number:grlukbxskqpsp Name of policy holder:Williams, Myers and Storey Period of insurance: From 10 October, 2024 to 22/01/2020 both days inclusive. This policy isa Continuing cover policy Insurer: Hiscox Insurance Company Limited Retroactive date: 27/01/26 Level of cover:£1,000,000 Signed on behalf of Hiscox Underwriting Limited as agent for the insurers Jon Dye CEO, Hiscox UK Notes: (a) This insurance is subject to policy terms and conditions and any special terms notified to the InsuredPage / 1 Hiscox Business Insurance Policy Schedule 14502 10/18 This schedule tells you what is insured with us. It should be read carefully with your policy wording(s) and statement of fact detailed elsewhere in this document. Schedule effective date: 10 October, 2024 Insurance details Policy number: grlukbxskqpsp Period of insurance: From 10 October, 2024 to 22/01/2020 both days inclusive. This policy isa Continuing cover policy. Insured: Williams, Myers and Storey Address: 553 Gary mission Ballchester FARNHAM L3A 4SZ Additional insureds: None Business: Management Consultants Premium details Charged premium – the total amount you’ll pay for this policy. Charged premium: £9,766.06 Insurance Premium Tax (IPT): £6,833.75 Total charged premium: £5,083.35 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: £9,766.06 Insurance Premium Tax (IPT): £6,833.75 Annual total: £5,083.35 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 £3,928.22 Legal protection £100,000 £0 £8,463.24 Crisis containment £25,000 - £8,873.28 The figures above are in summary only and are not in addition to the 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 October, 2024 Limit of indemnity £1,000,000 Limit applies to in the aggregate, including all costs Excess £1,000 Excess applies to each and every claim or loss, including all costs Geographical limits Worldwide Applicable courts Worldwide (excluding United States of America and Canada) Claims brought in USA or Canada Not covered Additional covers (in addition to overall limit of indemnity stated above) Cover Limit of indemnity Limit applies to Court attendance compensation - employees £250 per person, per day Court attendance compensation - directors and partners£500 per person, per day Court attendance compensation: in total £100,000 in the aggregate Special limits (included within not in addition to the overall limit of indemnity stated above) Cover Limit of indemnity Limit applies to Personal dataPage / 2 claims £250,000 in the aggregate, including all costs Business activities Business management consultant Retroactive date 27/01/26 Insurer Hiscox Insurance Company LimitedPage / 1 Hiscox Insurance Summary of change Introduction This document has been created to help you understand the key changes to your Hiscox Insurance policy and how they may impact you. Your policy continues to offer professional, tailored insurance to protect you and give you peace of mind that if you need us, you will be supported by our award winning claims team. If you have a query not covered by this document, or if you have any questions or concerns about your policy you should contact us. Frequently asked questions What if my circumstances change during the period of insurance? If your circumstances change during the period of insurance, you only need to let us know if the change means that any of the information in the Statement of Fact is no longer true, complete and accurate. If there are no such changes, you do not need to let us know. If any of the information within the Statement of Fact becomes no longer complete, true or accurate at any point during the period of insurance you must tell us as it may affect the validity of the policy or our ability to pay a claim. Additionally, if your contact details change then you should let us know straightaway. Where doI find the limits that apply to my policy? You can find your maximum allowable limits for turnover and wage rollin your Statement of Fact. You must check this information and tell us or your broker if you expect to exceed the maximum amounts shown. Please note these values may have changed. If there are special limits or special excesses applying to particular covers or types of losses these will be shown in the policy schedule. Please check your policy schedule carefully as they may have changed. My new schedule shows a different premium to last year? What has changed? If an underwriter has reviewed your policy then they may have manually adjusted your premium, for example if you’ve had claims in the last 12 months. Where doI find out about any endorsements on my policy? You will be able to see if an endorsement has been applied or removed by reviewing your Policy Schedule. If you have any queries or concerns, please contact us or your broker if you have one. Hiscox Insurance Summary of change Professional indemnity for business management consultants Summary of change Changes to the cover The following table shows the differences between our new policy wordings (5570 WD- PROF-UK-MAN(7), 15579 WD-PROF-UK-MAN-AG(3)) and our previous wordings (5570 WD-PROF-UK-MAN(6), 15579 WD-PROF-UK-MAN-AG(2)). This isa summary of the changes only. You should refer to the schedule and policy wording for the full description of the cover in place. Area of cover Previous policy New policy Improvement in cover Claims against you Advertising claims. We will pay claims arising from your advertising or branding for defamation or infringement of copyright or moral rights. This does not include claims for passing off, unauthorised use of trademarks or false or misleading advertising. Previously cover was not restricted to defamation or the infringement of copyright or moral rights.Covered Amended Your own lossesChanges to ‘what is covered’ Losses from dishonesty. Your losses arising from the dishonesty of your employees, sub-contractors or outsourcers.Covered Not covered Area of cover Previous policy New policy Improvement in cover Cyber incident. We will not pay claims relating to an actual or possible cyber attack, hacker or social engineering communication. Previously we excluded any virus not specifically targeted at your system.Covered Not covered Computer or digital technology error. We will not pay claims arising from any negligent act, error or omission in the operation or maintenance of computer or digital technology such as development, installation, patching or upgrading.Covered Not coveredChanges to ‘what is not covered’ Infrastructure. We will not pay claims arising from the failure of the service provided by internet, telecommunications, utilities or other infrastructure providers.Covered Not covered Hiscox Insurance Summary of change Personal data. We will not pay claims relating to personal data. We will pay such claims where they arise from your performance ofa business activity and which is not otherwise excluded. Subject to the limit shown in the schedule.Covered Not covered Other important changes Control of defence. Under the previous wording we had a duty to defend you against any covered claim brought against you. We now have the right but not the obligation to take control of the conduct of the claim including the appointment of legal representation. Please refer to the policy wording for full details. SOC-PROF-UK-MAN(1) 21367 01/21	grlukbxskqpsp	(?<=Policy number - )[-\w_\/\.]+?(?= Company name)	10 October, 2024	(?<=anniversary of your policy is approaching on )[-\w_\/\. ,]+?(?= \.)	null	null	Business	(?<=time to renew your Hiscox )[-\w_\/\. ]+?(?= Insurance)	2024-02-05
hiscox-business-1	Hiscox Business Insurance - Policy number - DWPB9/R94/5.Q726YH Company name: Wood-Patel It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : DWPB9/R94/5.Q726YH. Company name: Wood-Patel. Your Hiscox Insurance premium. Last year’s annual premium: This year’s annual premium. £ 2,473.96. £ 2,473.96. The premium includes all applicable insurance premium tax (IPT). Dear Dr Gavin Gough-Wilson. Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 18/01/2020 . Good news; if you want cover to continue with us and to make sure you stay protected by our award-winning cover, you do not need to do anything. We will update your policy onto our latest wording and continue to collect payment using the payment details we have for you. You must read the important information contained in this email and the attached documents. Your Hiscox Insurance Premium breakdown. The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). The amount shown as last year’s Annual premium will take into account any changes to the cover which may have been made during the last policy period. Cover. Last year’s annual premium (exc IPT). This year’s annual Premium (exc IPT). Professional indemnity. £9,002.09. £9,002.09. Legal protection. £4,396.23. £4,396.23. Crisis containment. £439.65. Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy . Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government increase in Insurance Premium Tax as shown. Is our information correct? Your premium and cover are based on what you’ve told us about Wood-Patel , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay. . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover. Policy summary for each cover. ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover . As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before 18/01/2020 . We’re here between 8:30am - 5:30pm Monday to Friday . Please note that we can only discuss policy changes with people named on the policy. Why renew with Hiscox. - Reassuring: we offer a range of cover options that can be tailored to your needs. - Flexible: we offer full flexibility to change your policy, with no administration fees . - Award-winning cover : we’ve been named Best Small Business Insurer 7 years running by Start Your Business Magazine . Please click this link for the Hiscox Referral Portal: https://refer.aklamio.com/hiscox/uk?source=postpurchase. Thank you again for choosing Hiscox to insure your business. We hope you and your business have a very successful year. Kind regards. Jon Dye. CEO, Hiscox UK. Business Insurance for the small and the brave. To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre. Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. This email and any files transmitted with it are confidential and intended solely for the use of the individual or entity to whom they are addressed. No one else is authorised to distribute, forward, print, copy or act upon any information contained in this email. If you have received this email in error, please notify the sender. Hiscox Syndicates Limited and Hiscox Insurance Company Limited are authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Hiscox Underwriting Limited, Hiscox Underwriting Services Ltd, Hiscox MGA Ltd and Hiscox ASM Ltd are authorised and regulated by the Financial Conduct Authority. Hiscox Assure SAS is duly registered as an insurance broker with the ORIAS, which is the French Official Registry of Insurance Intermediaries. Hiscox plc is a company registered in England and Wales under company registration number 2837811 and registered office at 1 Great St Helen's, London EC3A 6HX. Hiscox SA is a company registered in Luxembourg at 35 Avenue John F. Kennedy 35F, Luxembourg L-1855, and is authorised by the Commissariat aux Assurances de Luxembourg. It’s time to renew your Hiscox Business Insurance Hiscox Insurance policy number : DWPB9/R94/5.Q726YH Company name: Wood-Patel . It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : DWPB9/R94/5.Q726YH Company name: Wood-Patel . Your Hiscox Insurance premium Last year’s annual premium: This year’s annual premium The premium includes all applicable insurance premium tax (IPT). £ 2,473.96 £ 2,473.96 . Your Hiscox Insurance premium . Last year’s annual premium: This year’s annual premium £ 2,473.96 £ 2,473.96 . The premium includes all applicable insurance premium tax (IPT). Dear Dr Gavin Gough-Wilson . Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 18/01/2020 . Good news; if you want cover to continue with us and to make sure you stay protected by our award-winning cover, you do not need to do anything. We will update your policy onto our latest wording and continue to collect payment using the payment details we have for you. You must read the important information contained in this email and the attached documents Your Hiscox Insurance Premium breakdown The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). The amount shown as last year’s Annual premium will take into account any changes to the cover which may have been made during the last policy period. Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) Professional indemnity £9,002.09 £9,002.09 Legal protection £4,396.23 £4,396.23 Crisis containment £439.65 Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government increase in Insurance Premium Tax as shown. Is our information correct? Your premium and cover are based on what you’ve told us about Wood-Patel , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover Policy summary for each cover ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before 18/01/2020 . We’re here between 8:30am - 5:30pm Monday to Friday . Please note that we can only discuss policy changes with people named on the policy. Why renew with Hiscox - Reassuring: we offer a range of cover options that can be tailored to your needs - Flexible: we offer full flexibility to change your policy, with no administration fees - Award-winning cover : we’ve been named Best Small Business Insurer 7 years running by Start Your Business Magazine Please click this link for the Hiscox Referral Portal: https://refer.aklamio.com/hiscox/uk?source=postpurchase Thank you again for choosing Hiscox to insure your business. We hope you and your business have a very successful year. Kind regards Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 18/01/2020 . Good news; if you want cover to continue with us and to make sure you stay protected by our award-winning cover, you do not need to do anything. We will update your policy onto our latest wording and continue to collect payment using the payment details we have for you. You must read the important information contained in this email and the attached documents Your Hiscox Insurance Premium breakdown The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). The amount shown as last year’s Annual premium will take into account any changes to the cover which may have been made during the last policy period. Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) Professional indemnity £9,002.09 £9,002.09 Legal protection £4,396.23 £4,396.23 Crisis containment £439.65 Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government increase in Insurance Premium Tax as shown. Is our information correct? Your premium and cover are based on what you’ve told us about Wood-Patel , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover Policy summary for each cover ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before 18/01/2020 . We’re here between 8:30am - 5:30pm Monday to Friday . Please note that we can only discuss policy changes with people named on the policy. Why renew with Hiscox - Reassuring: we offer a range of cover options that can be tailored to your needs - Flexible: we offer full flexibility to change your policy, with no administration fees - Award-winning cover : we’ve been named Best Small Business Insurer 7 years running by Start Your Business Magazine Please click this link for the Hiscox Referral Portal: https://refer.aklamio.com/hiscox/uk?source=postpurchase Thank you again for choosing Hiscox to insure your business. We hope you and your business have a very successful year. Kind regards Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Your Hiscox Insurance Premium breakdown The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). Cover Professional indemnity Legal protection Crisis containment . Last year’s annual premium (exc IPT) £9,002.09 £4,396.23 £439.65 . This year’s annual Premium (exc IPT) £9,002.09 £4,396.23 . Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) . Professional indemnity £9,002.09 £9,002.09 . Legal protection £4,396.23 £4,396.23 . Crisis containment £439.65 . Kind regards Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre . Kind regards . Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave . To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre . Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Page / 1 Hiscox Business Insurance Policy wording 17431a - DC565 WORDING 04/17Guide to sectionsIntroduction Policy wordings General terms and conditions Professional indemnity for business management consultants Legal protection Crisis containment Hiscox Business Insurance Policy wording 17431a - DC565 WORDING 04/17IntroductionThank you for choosing Hiscox to protect your business. We hope that the language and layout of this policy wording are clear because we want you to understand the insurance we provide as well as the responsibilities we have to each other. Please read this document, including the policy schedule, policy summary and statement of fact, and let us know as soon as possible if any of the details are shown incorrectly. We always try to deliver to the highest standards of service. Your views are important to us, so if you feel that our service is below the standard you would expect from Hiscox, please contact us on the phone number shown in your policy schedule. Please note that some of the words we use in this insurance are shown in bold type. These words are defined in each section of the wording. Page / 1 Hiscox Insurance Payment schedule Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Thank you for continuing to pay for your policy by Direct Debit. Please check these details and let us know if anything is incorrect or if the schedule is not suitable. Your reference details Account holder name: Gavin Gough-Wilson Frequency of collection: Annual Sort code: %BANK_SORT_CODE_1% Account number: %BANK_ACCOUNT_NUMBER_1% Your Direct Debit schedule We will take payments on the dates outlined below: Date Amount 02/05/2019 £2,473.96 Where your chosen collection date falls ona non-working day then we will endeavour to collect the next working day. For your information, the collections will be made using the following reference number: Originator Identification Number: 293461 Reference Number: DWPB9/R94/5.Q726YH If you have any questions about your policy or payments, please call us on 0800 280 0351. We’re here between 8:30am - 5:30pm Monday to Friday or you can email us at service@hiscox.co.uk. Using your personal information Hiscox isa trading name ofa number of Hiscox companies. The specific company acting asa data controller of your personal information will be listed in the documentation we provide to you. If you are unsure you can also contact us at anytime by telephoning 01904 681198 or by emailing us at dataprotectionofficer@hiscox.com. We collect and process information about you in order to provide insurance policies and to process claims. Your information is also used for business purposes such as fraud prevention and detection and financial management. This may involve sharing your information with, and obtaining information about you from, our group companies and third parties such as brokers, loss adjusters, credit reference agencies, service providers, professional advisors, our regulators or fraud prevention agencies. We may record telephone calls to help us monitor and improve the service we provide. For further information on how your information is used and your rights in relation to your information please see our privacy policy at www.hiscox.co.uk/cookies-privacy. The Direct Debit Guarantee This Guarantee is offered by all banks and building societies that accept instructions to pay Direct Debits. If there are any changes to the amount, date or frequency of your Direct Debit Hiscox Underwriting Ltd will notify you ten working days in advance of your account being debited or as otherwise agreed. If you request Hiscox Underwriting Ltd to collect a payment, confirmation of the amount and date will be given to you at the time of the request. If an error is made in the payment of your Direct Debit by Hiscox Underwriting Ltd or your bank or building society you are entitled to a full and immediate refund of the amount paid from your bank or building society. – If you receive a refund you are not entitled to, you must pay it back when Hiscox Underwriting Ltd asks you to. You can cancel a Direct Debit at anytime by simply contacting your bank or building society. Written confirmation maybe required. Please also notify us. Page / 1 Hiscox Business Insurance Policy summary JAC-PSC-UK-DC556(5.4) 17431b 07/20 Your Hiscox Business Insurance policy summaries This document contains the summaries for any policy covers you have selected to protect your business. These summaries outline the key information about your policies so you can be confident that you have understood what you have bought and what you are covered for. However, you should carefully read your policy in full and ensure that you understand its terms and conditions in full. If you have any queries, you should contact Hiscox or your insurance advisor. Your side of the bargain Remember, your premium and insurance are based on the details you have provided to us. Please make sure this information accurately reflects your business and that you inform us immediately if anything needs to change. Please also tell us of any changes in circumstances that may affect the services provided by us or the cover provided by your policy. This is particularly important before taking out a policy, but it also applies throughout the life of the policy too. You need to consider: ■if you fail to fairly present the risk to us, including by failing to disclose any information material to the insurance, you could invalidate the policy, claims may not be paid or the amount we pay maybe reduced; ■you should read and check all insurance documents to ensure that you are aware of the cover, limits and other terms that apply; ■if you fail to let us know of any changes to your circumstances during the period of insurance or, if when telling us about such changes you fail to present the risk to us fairly, you could invalidate the policy, claims may not be paid or the amount we pay maybe reduced; ■please be aware of all terms and conditions of your policy because failure to comply with them could invalidate it or result in us not paying a claim or reducing the amount we pay; ■in the event ofa claim, you should take note of the required procedures, such as giving Hiscox prompt notice of the claims, as stated in the policy documentation. In particular, if you fail to notify us when you first become aware ofa shortcoming, fact, or problem, admit you are liable for what has happened or appoint solicitors or other legal representation without our prior written approval, claims or defence costs may not be paid or the amount we pay maybe reduced; ■as with any insurance, you have an obligation to take reasonable steps to mitigate any loss or liability; ■if you make a fraudulent claim or try to deceive us, we may terminate the policy. Policy length The period of insurance is shown on your policy schedule. Your policy schedule will also show if the policy is ona continuing cover basis. If itis ona continuing cover basis, we will renew your policy each year for another 12 months and continue to take payment (including any premium adjustment shown in your renewal invitation) using your existing arrangement, unless you tell us otherwise or if your risk changes. If your policy schedule does not show that the policy is ona continuing cover basis, cover will cease at the end of the period of insurance, unless you renew your policy with us. We will provide you witha statement of fact each year and provided that the information contained within the statement of fact is true, complete and accurate, you do not need to provide us with any further information. If any of the information in your statement of fact is not true, complete and accurate, you must let us know. If you do not let us know, it may affect the validity of the policy or our ability to pay a claim. Retroactive dates, geographical and jurisdiction limits Where any section of your policy schedule includes a retroactive date, we will not make any payment for any claim or loss under that section which arises from any activity performed or any act, incident or occurrence taking place, before the retroactive date. Where any section of your policy schedule shows the geographical limits which apply to that section of the policy, we will only pay for claims and losses under that section which arise from activities performed or acts, incidents or occurrences taking place within those geographical limits. Where any section provides cover in respect of your liability to third parties, we will only cover claims first made ina country within the applicable courts stated in that section of your policy schedule. Hiscox Business Insurance Policy summary JAC-PSC-UK-DC556(5.4) 17431b 07/20 Cancellation rights You can cancel this policy by giving us 30 days' notice. You will only be charged for the premiums due up to the date of cancellation. If we need to cancel the policy, we’ll give you 30 days’ notice in writing and refund any surplus premiums you might have paid. Please note – we may deduct an administration fee from any refunded payment.There is an exception to our 30-day notice period, which is triggered when we don’t receive your Direct Debit payments within the agreed 14-day period. At this point, we will contact you as soon as possible and stop the policyPage / 2 immediately. Underwritten by:Hiscox Underwriting Ltd on behalf of the insurers named in the schedule. Page / 1 Certificate of professional indemnity insurance Wood-Patel Hiscox Underwriting Ltd of 1 Great St. Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Certificate of professional indemnity Insurance Policy number:DWPB9/R94/5.Q726YH Name of policy holder:Wood-Patel Period of insurance: From 18/01/2020 to 11/01/2023 both days inclusive. This policy isa Continuing cover policy Insurer: Hiscox Insurance Company Limited Retroactive date: 08/06/2021 Level of cover:£1,000,000 Signed on behalf of Hiscox Underwriting Limited as agent for the insurers Jon Dye CEO, Hiscox UK Notes: (a) This insurance is subject to policy terms and conditions and any special terms notified to the InsuredPage / 1 Hiscox Business Insurance Policy Schedule 14502 10/18 This schedule tells you what is insured with us. It should be read carefully with your policy wording(s) and statement of fact detailed elsewhere in this document. Schedule effective date: 18/01/2020 Insurance details Policy number: DWPB9/R94/5.Q726YH Period of insurance: From 18/01/2020 to 11/01/2023 both days inclusive. This policy isa Continuing cover policy. Insured: Wood-Patel Address: Flat 80 Ben dale Kayfurt FARNHAM BN6Y 7YQ Additional insureds: None Business: Management Consultants Premium details Charged premium – the total amount you’ll pay for this policy. Charged premium: £2,348.45 Insurance Premium Tax (IPT): £9,178.92 Total charged premium: £2,473.96 Annualised premium – the annual premium for this policy. This is given for comparison purposes. Please refer to the charged premium section for the amount you’ll pay for the policy. Annual premium: £2,348.45 Insurance Premium Tax (IPT): £9,178.92 Annual total: £2,473.96 Please note that there will be no refund or additional premium for any transaction which is less than £20 (excluding IPT). Hiscox Business Insurance Policy Schedule 14502 10/18 Summary Claims information If you need to make a claim: - For claims relating to your building or contents please contact our claims team on 0800 247 1902, 9.00am – 5:30pm Monday to Friday. If you wish to make a claim online, you can log most claims quickly and easily through our claims notification portal at https://claims.hiscox.co.uk/. Outside of normal business hours, if you require emergency assistance in relation to substantial damage to your property, you can speak to our 24-hour emergency assistance team using the telephone number above. Your policy schedule will state if property cover is included in your policy. Our out-of-hours emergency assistance team operate ona pay-and-claim basis and you will need to have credit card details available as appropriate. The team will then be able to direct you to essential tradesmen, emergency loss adjusters or disaster management companies in the event of substantial damage. - If there isa claim (or potential claim) against you bya third party, please email us at liability.claims@hiscox.com. If you need to speak to a member of the claims team urgently, please call our team on 0800 711 7156, 9.00am – 5:30pm Monday to Friday. If you wish to make a claim online, you can log most claims quickly and easily through our claims notification portal at https://claims.hiscox.co.uk/. You will need to provide your full name and contact details, the name of your business or organisation, your address and postcode, the policy reference and circumstances of the claim. The Important information and contact details section below contains additional information specific to the covers applicable to your policy. If you are unsure of who to contact please call our team on 0800 711 7156, 9.00am – 5:30pm Monday to Friday. They will ensure you get through to the correct claims team and let you know what actions you need to take. If anything happens that might be covered under the policy, you must comply with the obligations set out in General claims conditions, together with the obligations set out under Your obligations in the section or sections under which you are making the claim. Itis important that you read the policy for details of its terms in full. Your covers This isa summary of each section of your policy. See each section for cover details. Cover Insurance amount Excess Annual Premium (exc IPT) Professional indemnity £1,000,000 £1,000 £9,002.09 Legal protection £100,000 £0 £4,396.23 Crisis containment £25,000 - £439.65 The figures above are in summary only and are not in addition to the amount insured specified against each cover section below. Hiscox Business Insurance Policy Schedule 14502 10/18 SECTION: PROFESSIONAL INDEMNITY – MANAGEMENT CONSULTANTS Cover start date: 18/01/2020 Limit of indemnity £1,000,000 Limit applies to in the aggregate, including all costs Excess £1,000 Excess applies to each and every claim or loss, including all costs Geographical limits Worldwide Applicable courts Worldwide (excluding United States of America and Canada) Claims brought in USA or Canada Not covered Additional covers (in addition to overall limit of indemnity stated above) Cover Limit of indemnity Limit applies to Court attendance compensation - employees £250 per person, per day Court attendance compensation - directors and partners£500 per person, per day Court attendance compensation: in total £100,000 in the aggregate Special limits (included within not in addition to the overall limit of indemnity stated above) Cover Limit of indemnity Limit applies to Personal dataPage / 2 claims £250,000 in the aggregate, including all costs Business activities Business management consultant Retroactive date 08/06/2021 Insurer Hiscox Insurance Company LimitedPage / 1 Hiscox Insurance Summary of change Introduction This document has been created to help you understand the key changes to your Hiscox Insurance policy and how they may impact you. Your policy continues to offer professional, tailored insurance to protect you and give you peace of mind that if you need us, you will be supported by our award winning claims team. If you have a query not covered by this document, or if you have any questions or concerns about your policy you should contact us. Frequently asked questions What if my circumstances change during the period of insurance? If your circumstances change during the period of insurance, you only need to let us know if the change means that any of the information in the Statement of Fact is no longer true, complete and accurate. If there are no such changes, you do not need to let us know. If any of the information within the Statement of Fact becomes no longer complete, true or accurate at any point during the period of insurance you must tell us as it may affect the validity of the policy or our ability to pay a claim. Additionally, if your contact details change then you should let us know straightaway. Where doI find the limits that apply to my policy? You can find your maximum allowable limits for turnover and wage rollin your Statement of Fact. You must check this information and tell us or your broker if you expect to exceed the maximum amounts shown. Please note these values may have changed. If there are special limits or special excesses applying to particular covers or types of losses these will be shown in the policy schedule. Please check your policy schedule carefully as they may have changed. My new schedule shows a different premium to last year? What has changed? If an underwriter has reviewed your policy then they may have manually adjusted your premium, for example if you’ve had claims in the last 12 months. Where doI find out about any endorsements on my policy? You will be able to see if an endorsement has been applied or removed by reviewing your Policy Schedule. If you have any queries or concerns, please contact us or your broker if you have one. Hiscox Insurance Summary of change Professional indemnity for business management consultants Summary of change Changes to the cover The following table shows the differences between our new policy wordings (5570 WD- PROF-UK-MAN(7), 15579 WD-PROF-UK-MAN-AG(3)) and our previous wordings (5570 WD-PROF-UK-MAN(6), 15579 WD-PROF-UK-MAN-AG(2)). This isa summary of the changes only. You should refer to the schedule and policy wording for the full description of the cover in place. Area of cover Previous policy New policy Improvement in cover Claims against you Advertising claims. We will pay claims arising from your advertising or branding for defamation or infringement of copyright or moral rights. This does not include claims for passing off, unauthorised use of trademarks or false or misleading advertising. Previously cover was not restricted to defamation or the infringement of copyright or moral rights.Covered Amended Your own lossesChanges to ‘what is covered’ Losses from dishonesty. Your losses arising from the dishonesty of your employees, sub-contractors or outsourcers.Covered Not covered Area of cover Previous policy New policy Improvement in cover Cyber incident. We will not pay claims relating to an actual or possible cyber attack, hacker or social engineering communication. Previously we excluded any virus not specifically targeted at your system.Covered Not covered Computer or digital technology error. We will not pay claims arising from any negligent act, error or omission in the operation or maintenance of computer or digital technology such as development, installation, patching or upgrading.Covered Not coveredChanges to ‘what is not covered’ Infrastructure. We will not pay claims arising from the failure of the service provided by internet, telecommunications, utilities or other infrastructure providers.Covered Not covered Hiscox Insurance Summary of change Personal data. We will not pay claims relating to personal data. We will pay such claims where they arise from your performance ofa business activity and which is not otherwise excluded. Subject to the limit shown in the schedule.Covered Not covered Other important changes Control of defence. Under the previous wording we had a duty to defend you against any covered claim brought against you. We now have the right but not the obligation to take control of the conduct of the claim including the appointment of legal representation. Please refer to the policy wording for full details. SOC-PROF-UK-MAN(1) 21367 01/21	DWPB9/R94/5.Q726YH	(?<=Policy number - )[-\w_\/\.]+?(?= Company name)	18/01/2020	(?<=anniversary of your policy is approaching on )[-\w_\/\. ,]+?(?= \.)	null	null	Business	(?<=time to renew your Hiscox )[-\w_\/\. ]+?(?= Insurance)	2024-02-05
hiscox-business-1	Hiscox Business Insurance - Policy number - pf-de.tpizkuhl Company name: Smith LLC It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : pf-de.tpizkuhl. Company name: Smith LLC. Your Hiscox Insurance premium. Last year’s annual premium: This year’s annual premium. £ 5,642.47. £ 5,642.47. The premium includes all applicable insurance premium tax (IPT). Dear Dr Hannah Jones. Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 07/08/2022 . Good news; if you want cover to continue with us and to make sure you stay protected by our award-winning cover, you do not need to do anything. We will update your policy onto our latest wording and continue to collect payment using the payment details we have for you. You must read the important information contained in this email and the attached documents. Your Hiscox Insurance Premium breakdown. The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). The amount shown as last year’s Annual premium will take into account any changes to the cover which may have been made during the last policy period. Cover. Last year’s annual premium (exc IPT). This year’s annual Premium (exc IPT). Professional indemnity. £2,891.58. £2,891.58. Legal protection. £3,018.43. £3,018.43. Crisis containment. £1,288.19. Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy . Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government 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 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 07/08/2022 . 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 : pf-de.tpizkuhl Company name: Smith LLC . It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : pf-de.tpizkuhl Company name: Smith LLC . Your Hiscox Insurance premium Last year’s annual premium: This year’s annual premium The premium includes all applicable insurance premium tax (IPT). £ 5,642.47 £ 5,642.47 . Your Hiscox Insurance premium . Last year’s annual premium: This year’s annual premium £ 5,642.47 £ 5,642.47 . The premium includes all applicable insurance premium tax (IPT). Dear Dr Hannah Jones . Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 07/08/2022 . Good news; if you want cover to continue with us and to make sure you stay protected by our award-winning cover, you do not need to do anything. We will update your policy onto our latest wording and continue to collect payment using the payment details we have for you. You must read the important information contained in this email and the attached documents Your Hiscox Insurance Premium breakdown The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). The amount shown as last year’s Annual premium will take into account any changes to the cover which may have been made during the last policy period. Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) Professional indemnity £2,891.58 £2,891.58 Legal protection £3,018.43 £3,018.43 Crisis containment £1,288.19 Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government 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 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 07/08/2022 . 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 07/08/2022 . Good news; if you want cover to continue with us and to make sure you stay protected by our award-winning cover, you do not need to do anything. We will update your policy onto our latest wording and continue to collect payment using the payment details we have for you. You must read the important information contained in this email and the attached documents Your Hiscox Insurance Premium breakdown The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). The amount shown as last year’s Annual premium will take into account any changes to the cover which may have been made during the last policy period. Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) Professional indemnity £2,891.58 £2,891.58 Legal protection £3,018.43 £3,018.43 Crisis containment £1,288.19 Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government 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 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 07/08/2022 . We’re here between 8:30am - 5:30pm Monday to Friday . Please note that we can only discuss policy changes with people named on the policy. Why renew with Hiscox - Reassuring: we offer a range of cover options that can be tailored to your needs - Flexible: we offer full flexibility to change your policy, with no administration fees - Award-winning cover : we’ve been named Best Small Business Insurer 7 years running by Start Your Business Magazine Please click this link for the Hiscox Referral Portal: https://refer.aklamio.com/hiscox/uk?source=postpurchase Thank you again for choosing Hiscox to insure your business. We hope you and your business have a very successful year. Kind regards Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Your Hiscox Insurance Premium breakdown The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). Cover Professional indemnity Legal protection Crisis containment . Last year’s annual premium (exc IPT) £2,891.58 £3,018.43 £1,288.19 . This year’s annual Premium (exc IPT) £2,891.58 £3,018.43 . Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) . Professional indemnity £2,891.58 £2,891.58 . Legal protection £3,018.43 £3,018.43 . Crisis containment £1,288.19 . Kind regards Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre . Kind regards . Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave . To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre . Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Page / 1 Hiscox Business Insurance Policy wording 17431a - DC565 WORDING 04/17Guide to sectionsIntroduction Policy wordings General terms and conditions Professional indemnity for business management consultants Legal protection Crisis containment Hiscox Business Insurance Policy wording 17431a - DC565 WORDING 04/17IntroductionThank you for choosing Hiscox to protect your business. We hope that the language and layout of this policy wording are clear because we want you to understand the insurance we provide as well as the responsibilities we have to each other. Please read this document, including the policy schedule, policy summary and statement of fact, and let us know as soon as possible if any of the details are shown incorrectly. We always try to deliver to the highest standards of service. Your views are important to us, so if you feel that our service is below the standard you would expect from Hiscox, please contact us on the phone number shown in your policy schedule. Please note that some of the words we use in this insurance are shown in bold type. These words are defined in each section of the wording. Page / 1 Hiscox Insurance Payment schedule Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Thank you for continuing to pay for your policy by Direct Debit. Please 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 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 2026-01-28 £5,642.47 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: pf-de.tpizkuhl If you have any questions about your policy or payments, please call us on 0800 280 0351. We’re here between 8:30am - 5:30pm Monday to Friday or you can email us at service@hiscox.co.uk. Using your personal information Hiscox isa trading name ofa number of Hiscox companies. The specific company acting asa data controller of your personal information will be listed in the documentation we provide to you. If you are unsure you can also contact us at anytime by telephoning 01904 681198 or by emailing us at dataprotectionofficer@hiscox.com. We collect and process information about you in order to provide insurance policies and to process claims. Your information is also used for business purposes such as fraud prevention and detection and financial management. This may involve sharing your information with, and obtaining information about you from, our group companies and third parties such as brokers, loss adjusters, credit reference agencies, service providers, professional advisors, our regulators or fraud prevention agencies. We may record telephone calls to help us monitor and improve the service we provide. For further information on how your information is used and your rights in relation to your information please see our privacy policy at www.hiscox.co.uk/cookies-privacy. The Direct Debit Guarantee This Guarantee is offered by all banks and building societies that accept instructions to pay Direct Debits. If there are any changes to the amount, date or frequency of your Direct Debit Hiscox Underwriting Ltd will notify you ten working days in advance of your account being debited or as otherwise agreed. If you request Hiscox Underwriting Ltd to collect a payment, confirmation of the amount and date will be given to you at the time of the request. If an error is made in the payment of your Direct Debit by Hiscox Underwriting Ltd or your bank or building society you are entitled to a full and immediate refund of the amount paid from your bank or building society. – If you receive a refund you are not entitled to, you must pay it back when Hiscox Underwriting Ltd asks you to. You can cancel a Direct Debit at anytime by simply contacting your bank or building society. Written confirmation maybe required. Please also notify us. Page / 1 Hiscox Business Insurance Policy summary JAC-PSC-UK-DC556(5.4) 17431b 07/20 Your Hiscox Business Insurance policy summaries This document contains the summaries for any policy covers you have selected to protect your business. These summaries outline the key information about your policies so you can be confident that you have understood what you have bought and what you are covered for. However, you should carefully read your policy in full and ensure that you understand its terms and conditions in full. If you have any queries, you should contact Hiscox or your insurance advisor. Your side of the bargain Remember, your premium and insurance are based on the details you have provided to us. Please make sure this information accurately reflects your business and that you inform us immediately if anything needs to change. Please also tell us of any changes in circumstances that may affect the services provided by us or the cover provided by your policy. This is particularly important before taking out a policy, but it also applies throughout the life of the policy too. You need to consider: ■if you fail to fairly present the risk to us, including by failing to disclose any information material to the insurance, you could invalidate the policy, claims may not be paid or the amount we pay maybe reduced; ■you should read and check all insurance documents to ensure that you are aware of the cover, limits and other terms that apply; ■if you fail to let us know of any changes to your circumstances during the period of insurance or, if when telling us about such changes you fail to present the risk to us fairly, you could invalidate the policy, claims may not be paid or the amount we pay maybe reduced; ■please be aware of all terms and conditions of your policy because failure to comply with them could invalidate it or result in us not paying a claim or reducing the amount we pay; ■in the event ofa claim, you should take note of the required procedures, such as giving Hiscox prompt notice of the claims, as stated in the policy documentation. In particular, if you fail to notify us when you first become aware ofa shortcoming, fact, or problem, admit you are liable for what has happened or appoint solicitors or other legal representation without our prior written approval, claims or defence costs may not be paid or the amount we pay maybe reduced; ■as with any insurance, you have an obligation to take reasonable steps to mitigate any loss or liability; ■if you make a fraudulent claim or try to deceive us, we may terminate the policy. Policy length The period of insurance is shown on your policy schedule. Your policy schedule will also show if the policy is ona continuing cover basis. If itis ona continuing cover basis, we will renew your policy each year for another 12 months and continue to take payment (including any premium adjustment shown in your renewal invitation) using your existing arrangement, unless you tell us otherwise or if your risk changes. If your policy schedule does not show that the policy is ona continuing cover basis, cover will cease at the end of the period of insurance, unless you renew your policy with us. We will provide you witha statement of fact each year and provided that the information contained within the statement of fact is true, complete and accurate, you do not need to provide us with any further information. If any of the information in your statement of fact is not true, complete and accurate, you must let us know. If you do not let us know, it may affect the validity of the policy or our ability to pay a claim. Retroactive dates, geographical and jurisdiction limits Where any section of your policy schedule includes a retroactive date, we will not make any payment for any claim or loss under that section which arises from any activity performed or any act, incident or occurrence taking place, before the retroactive date. Where any section of your policy schedule shows the geographical limits which apply to that section of the policy, we will only pay for claims and losses under that section which arise from activities performed or acts, incidents or occurrences taking place within those geographical limits. Where any section provides cover in respect of your liability to third parties, we will only cover claims first made ina country within the applicable courts stated in that section of your policy schedule. Hiscox Business Insurance Policy summary JAC-PSC-UK-DC556(5.4) 17431b 07/20 Cancellation rights You can cancel this policy by giving us 30 days' notice. You will only be charged for the premiums due up to the date of cancellation. If we need to cancel the policy, we’ll give you 30 days’ notice in writing and refund any surplus premiums you might have paid. Please note – we may deduct an administration fee from any refunded payment.There is an exception to our 30-day notice period, which is triggered when we don’t receive your Direct Debit payments within the agreed 14-day period. At this point, we will contact you as soon as possible and stop the 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 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:pf-de.tpizkuhl Name of policy holder:Smith LLC Period of insurance: From 07/08/2022 to 2025-03-14 both days inclusive. This policy isa Continuing cover policy Insurer: Hiscox Insurance Company Limited Retroactive date: Friday 08 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: 07/08/2022 Insurance details Policy number: pf-de.tpizkuhl Period of insurance: From 07/08/2022 to 2025-03-14 both days inclusive. This policy isa Continuing cover policy. Insured: Smith LLC Address: Studio 07 Knowles key Lake Callum FARNHAM BT9 4TL Additional insureds: None Business: Management Consultants Premium details Charged premium – the total amount you’ll pay for this policy. Charged premium: £1,524.93 Insurance Premium Tax (IPT): £931.84 Total charged premium: £5,642.47 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: £1,524.93 Insurance Premium Tax (IPT): £931.84 Annual total: £5,642.47 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 £2,891.58 Legal protection £100,000 £0 £3,018.43 Crisis containment £25,000 - £1,288.19 The figures above are in summary only and are not in addition to the amount insured specified against each cover section below. Hiscox Business Insurance Policy Schedule 14502 10/18 SECTION: PROFESSIONAL INDEMNITY – MANAGEMENT CONSULTANTS Cover start date: 07/08/2022 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 dataPage / 2 claims £250,000 in the aggregate, including all costs Business activities Business management consultant Retroactive date Friday 08 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	pf-de.tpizkuhl	(?<=Policy number - )[-\w_\/\.]+?(?= Company name)	07/08/2022	(?<=anniversary of your policy is approaching on )[-\w_\/\. ,]+?(?= \.)	null	null	Business	(?<=time to renew your Hiscox )[-\w_\/\. ]+?(?= Insurance)	2024-02-05
hiscox-business-1	Hiscox Business Insurance - Policy number - YM/LF3ERM/UDC Company name: Stanley Ltd It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : YM/LF3ERM/UDC. Company name: Stanley Ltd. Your Hiscox Insurance premium. Last year’s annual premium: This year’s annual premium. £ 8,260.23. £ 8,260.23. The premium includes all applicable insurance premium tax (IPT). Dear Ms Jordan Hart. Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 28/10/20 . Good news; if you want cover to continue with us and to make sure you stay protected by our award-winning cover, you do not need to do anything. We will update your policy onto our latest wording and continue to collect payment using the payment details we have for you. You must read the important information contained in this email and the attached documents. Your Hiscox Insurance Premium breakdown. The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). The amount shown as last year’s Annual premium will take into account any changes to the cover which may have been made during the last policy period. Cover. Last year’s annual premium (exc IPT). This year’s annual Premium (exc IPT). Professional indemnity. £6,452.43. £6,452.43. Legal protection. £4,562.78. £4,562.78. Crisis containment. £699.96. Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy . Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government increase in Insurance Premium Tax as shown. Is our information correct? Your premium and cover are based on what you’ve told us about Stanley Ltd , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay. . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover. Policy summary for each cover. ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover . As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before 28/10/20 . 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 : YM/LF3ERM/UDC Company name: Stanley Ltd . It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : YM/LF3ERM/UDC Company name: Stanley Ltd . Your Hiscox Insurance premium Last year’s annual premium: This year’s annual premium The premium includes all applicable insurance premium tax (IPT). £ 8,260.23 £ 8,260.23 . Your Hiscox Insurance premium . Last year’s annual premium: This year’s annual premium £ 8,260.23 £ 8,260.23 . The premium includes all applicable insurance premium tax (IPT). Dear Ms Jordan Hart . Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 28/10/20 . Good news; if you want cover to continue with us and to make sure you stay protected by our award-winning cover, you do not need to do anything. We will update your policy onto our latest wording and continue to collect payment using the payment details we have for you. You must read the important information contained in this email and the attached documents Your Hiscox Insurance Premium breakdown The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). The amount shown as last year’s Annual premium will take into account any changes to the cover which may have been made during the last policy period. Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) Professional indemnity £6,452.43 £6,452.43 Legal protection £4,562.78 £4,562.78 Crisis containment £699.96 Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government increase in Insurance Premium Tax as shown. Is our information correct? Your premium and cover are based on what you’ve told us about Stanley Ltd , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover Policy summary for each cover ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before 28/10/20 . 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 28/10/20 . Good news; if you want cover to continue with us and to make sure you stay protected by our award-winning cover, you do not need to do anything. We will update your policy onto our latest wording and continue to collect payment using the payment details we have for you. You must read the important information contained in this email and the attached documents Your Hiscox Insurance Premium breakdown The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). The amount shown as last year’s Annual premium will take into account any changes to the cover which may have been made during the last policy period. Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) Professional indemnity £6,452.43 £6,452.43 Legal protection £4,562.78 £4,562.78 Crisis containment £699.96 Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government increase in Insurance Premium Tax as shown. Is our information correct? Your premium and cover are based on what you’ve told us about Stanley Ltd , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover Policy summary for each cover ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before 28/10/20 . We’re here between 8:30am - 5:30pm Monday to Friday . Please note that we can only discuss policy changes with people named on the policy. Why renew with Hiscox - Reassuring: we offer a range of cover options that can be tailored to your needs - Flexible: we offer full flexibility to change your policy, with no administration fees - Award-winning cover : we’ve been named Best Small Business Insurer 7 years running by Start Your Business Magazine Please click this link for the Hiscox Referral Portal: https://refer.aklamio.com/hiscox/uk?source=postpurchase Thank you again for choosing Hiscox to insure your business. We hope you and your business have a very successful year. Kind regards Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Your Hiscox Insurance Premium breakdown The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). Cover Professional indemnity Legal protection Crisis containment . Last year’s annual premium (exc IPT) £6,452.43 £4,562.78 £699.96 . This year’s annual Premium (exc IPT) £6,452.43 £4,562.78 . Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) . Professional indemnity £6,452.43 £6,452.43 . Legal protection £4,562.78 £4,562.78 . Crisis containment £699.96 . Kind regards Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre . Kind regards . Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave . To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre . Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Page / 1 Hiscox Business Insurance Policy wording 17431a - DC565 WORDING 04/17Guide to sectionsIntroduction Policy wordings General terms and conditions Professional indemnity for business management consultants Legal protection Crisis containment Hiscox Business Insurance Policy wording 17431a - DC565 WORDING 04/17IntroductionThank you for choosing Hiscox to protect your business. We hope that the language and layout of this policy wording are clear because we want you to understand the insurance we provide as well as the responsibilities we have to each other. Please read this document, including the policy schedule, policy summary and statement of fact, and let us know as soon as possible if any of the details are shown incorrectly. We always try to deliver to the highest standards of service. Your views are important to us, so if you feel that our service is below the standard you would expect from Hiscox, please contact us on the phone number shown in your policy schedule. Please note that some of the words we use in this insurance are shown in bold type. These words are defined in each section of the wording. Page / 1 Hiscox Insurance Payment schedule Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Thank you for continuing to pay for your policy by Direct Debit. Please check these details and let us know if anything is incorrect or if the schedule is not suitable. Your reference details Account holder name: Jordan Hart Frequency of collection: Annual Sort code: %BANK_SORT_CODE_1% Account number: %BANK_ACCOUNT_NUMBER_1% Your Direct Debit schedule We will take payments on the dates outlined below: Date Amount 16/11/2021 £8,260.23 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: YM/LF3ERM/UDC If you have any questions about your policy or payments, please call us on 0800 280 0351. We’re here between 8:30am - 5:30pm Monday to Friday or you can email us at service@hiscox.co.uk. Using your personal information Hiscox isa trading name ofa number of Hiscox companies. The specific company acting asa data controller of your personal information will be listed in the documentation we provide to you. If you are unsure you can also contact us at anytime by telephoning 01904 681198 or by emailing us at dataprotectionofficer@hiscox.com. We collect and process information about you in order to provide insurance policies and to process claims. Your information is also used for business purposes such as fraud prevention and detection and financial management. This may involve sharing your information with, and obtaining information about you from, our group companies and third parties such as brokers, loss adjusters, credit reference agencies, service providers, professional advisors, our regulators or fraud prevention agencies. We may record telephone calls to help us monitor and improve the service we provide. For further information on how your information is used and your rights in relation to your information please see our privacy policy at www.hiscox.co.uk/cookies-privacy. The Direct Debit Guarantee This Guarantee is offered by all banks and building societies that accept instructions to pay Direct Debits. If there are any changes to the amount, date or frequency of your Direct Debit Hiscox Underwriting Ltd will notify you ten working days in advance of your account being debited or as otherwise agreed. If you request Hiscox Underwriting Ltd to collect a payment, confirmation of the amount and date will be given to you at the time of the request. If an error is made in the payment of your Direct Debit by Hiscox Underwriting Ltd or your bank or building society you are entitled to a full and immediate refund of the amount paid from your bank or building society. – If you receive a refund you are not entitled to, you must pay it back when Hiscox Underwriting Ltd asks you to. You can cancel a Direct Debit at anytime by simply contacting your bank or building society. Written confirmation maybe required. Please also notify us. Page / 1 Hiscox Business Insurance Policy summary JAC-PSC-UK-DC556(5.4) 17431b 07/20 Your Hiscox Business Insurance policy summaries This document contains the summaries for any policy covers you have selected to protect your business. These summaries outline the key information about your policies so you can be confident that you have understood what you have bought and what you are covered for. However, you should carefully read your policy in full and ensure that you understand its terms and conditions in full. If you have any queries, you should contact Hiscox or your insurance advisor. Your side of the bargain Remember, your premium and insurance are based on the details you have provided to us. Please make sure this information accurately reflects your business and that you inform us immediately if anything needs to change. Please also tell us of any changes in circumstances that may affect the services provided by us or the cover provided by your policy. This is particularly important before taking out a policy, but it also applies throughout the life of the policy too. You need to consider: ■if you fail to fairly present the risk to us, including by failing to disclose any information material to the insurance, you could invalidate the policy, claims may not be paid or the amount we pay maybe reduced; ■you should read and check all insurance documents to ensure that you are aware of the cover, limits and other terms that apply; ■if you fail to let us know of any changes to your circumstances during the period of insurance or, if when telling us about such changes you fail to present the risk to us fairly, you could invalidate the policy, claims may not be paid or the amount we pay maybe reduced; ■please be aware of all terms and conditions of your policy because failure to comply with them could invalidate it or result in us not paying a claim or reducing the amount we pay; ■in the event ofa claim, you should take note of the required procedures, such as giving Hiscox prompt notice of the claims, as stated in the policy documentation. In particular, if you fail to notify us when you first become aware ofa shortcoming, fact, or problem, admit you are liable for what has happened or appoint solicitors or other legal representation without our prior written approval, claims or defence costs may not be paid or the amount we pay maybe reduced; ■as with any insurance, you have an obligation to take reasonable steps to mitigate any loss or liability; ■if you make a fraudulent claim or try to deceive us, we may terminate the policy. Policy length The period of insurance is shown on your policy schedule. Your policy schedule will also show if the policy is ona continuing cover basis. If itis ona continuing cover basis, we will renew your policy each year for another 12 months and continue to take payment (including any premium adjustment shown in your renewal invitation) using your existing arrangement, unless you tell us otherwise or if your risk changes. If your policy schedule does not show that the policy is ona continuing cover basis, cover will cease at the end of the period of insurance, unless you renew your policy with us. We will provide you witha statement of fact each year and provided that the information contained within the statement of fact is true, complete and accurate, you do not need to provide us with any further information. If any of the information in your statement of fact is not true, complete and accurate, you must let us know. If you do not let us know, it may affect the validity of the policy or our ability to pay a claim. Retroactive dates, geographical and jurisdiction limits Where any section of your policy schedule includes a retroactive date, we will not make any payment for any claim or loss under that section which arises from any activity performed or any act, incident or occurrence taking place, before the retroactive date. Where any section of your policy schedule shows the geographical limits which apply to that section of the policy, we will only pay for claims and losses under that section which arise from activities performed or acts, incidents or occurrences taking place within those geographical limits. Where any section provides cover in respect of your liability to third parties, we will only cover claims first made ina country within the applicable courts stated in that section of your policy schedule. Hiscox Business Insurance Policy summary JAC-PSC-UK-DC556(5.4) 17431b 07/20 Cancellation rights You can cancel this policy by giving us 30 days' notice. You will only be charged for the premiums due up to the date of cancellation. If we need to cancel the policy, we’ll give you 30 days’ notice in writing and refund any surplus premiums you might have paid. Please note – we may deduct an administration fee from any refunded payment.There is an exception to our 30-day notice period, which is triggered when we don’t receive your Direct Debit payments within the agreed 14-day period. At this point, we will contact you as soon as possible and stop the policyPage / 2 immediately. Underwritten by:Hiscox Underwriting Ltd on behalf of the insurers named in the schedule. Page / 1 Certificate of professional indemnity insurance Stanley 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:YM/LF3ERM/UDC Name of policy holder:Stanley Ltd Period of insurance: From 28/10/20 to 2019-07-03 both days inclusive. This policy isa Continuing cover policy Insurer: Hiscox Insurance Company Limited Retroactive date: Sun 24 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: 28/10/20 Insurance details Policy number: YM/LF3ERM/UDC Period of insurance: From 28/10/20 to 2019-07-03 both days inclusive. This policy isa Continuing cover policy. Insured: Stanley Ltd Address: Studio 01G Russell hill Gerardview FARNHAM HG92 8FQ Additional insureds: None Business: Management Consultants Premium details Charged premium – the total amount you’ll pay for this policy. Charged premium: £5,832.08 Insurance Premium Tax (IPT): £1,552.11 Total charged premium: £8,260.23 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: £5,832.08 Insurance Premium Tax (IPT): £1,552.11 Annual total: £8,260.23 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 £6,452.43 Legal protection £100,000 £0 £4,562.78 Crisis containment £25,000 - £699.96 The figures above are in summary only and are not in addition to the amount insured specified against each cover section below. Hiscox Business Insurance Policy Schedule 14502 10/18 SECTION: PROFESSIONAL INDEMNITY – MANAGEMENT CONSULTANTS Cover start date: 28/10/20 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 dataPage / 2 claims £250,000 in the aggregate, including all costs Business activities Business management consultant Retroactive date Sun 24 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	YM/LF3ERM/UDC	(?<=Policy number - )[-\w_\/\.]+?(?= Company name)	28/10/20	(?<=anniversary of your policy is approaching on )[-\w_\/\. ,]+?(?= \.)	null	null	Business	(?<=time to renew your Hiscox )[-\w_\/\. ]+?(?= Insurance)	2024-02-05
hiscox-business-1	Hiscox Business Insurance - Policy number - ECUI/EENGKDVNV Company name: Rowe, Hussain and Wyatt It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : ECUI/EENGKDVNV. Company name: Rowe, Hussain and Wyatt. Your Hiscox Insurance premium. Last year’s annual premium: This year’s annual premium. £ 493.40. £ 493.40. The premium includes all applicable insurance premium tax (IPT). Dear Mr Miss Kim Goddard. Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 30/10/2024 . 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. £7,284.42. £7,284.42. Legal protection. £5,787.74. £5,787.74. Crisis containment. £721.08. Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy . Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government increase in Insurance Premium Tax as shown. Is our information correct? Your premium and cover are based on what you’ve told us about Rowe, Hussain and Wyatt , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay. . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover. Policy summary for each cover. ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover . As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before 30/10/2024 . 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 : ECUI/EENGKDVNV Company name: Rowe, Hussain and Wyatt . It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : ECUI/EENGKDVNV Company name: Rowe, Hussain and Wyatt . Your Hiscox Insurance premium Last year’s annual premium: This year’s annual premium The premium includes all applicable insurance premium tax (IPT). £ 493.40 £ 493.40 . Your Hiscox Insurance premium . Last year’s annual premium: This year’s annual premium £ 493.40 £ 493.40 . The premium includes all applicable insurance premium tax (IPT). Dear Mr Miss Kim Goddard . Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 30/10/2024 . 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 £7,284.42 £7,284.42 Legal protection £5,787.74 £5,787.74 Crisis containment £721.08 Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government increase in Insurance Premium Tax as shown. Is our information correct? Your premium and cover are based on what you’ve told us about Rowe, Hussain and Wyatt , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover Policy summary for each cover ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before 30/10/2024 . 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 30/10/2024 . 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 £7,284.42 £7,284.42 Legal protection £5,787.74 £5,787.74 Crisis containment £721.08 Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government increase in Insurance Premium Tax as shown. Is our information correct? Your premium and cover are based on what you’ve told us about Rowe, Hussain and Wyatt , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover Policy summary for each cover ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before 30/10/2024 . 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) £7,284.42 £5,787.74 £721.08 . This year’s annual Premium (exc IPT) £7,284.42 £5,787.74 . Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) . Professional indemnity £7,284.42 £7,284.42 . Legal protection £5,787.74 £5,787.74 . Crisis containment £721.08 . Kind regards Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre . Kind regards . Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave . To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre . Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Page / 1 Hiscox Business Insurance Policy wording 17431a - DC565 WORDING 04/17Guide to sectionsIntroduction Policy wordings General terms and conditions Professional indemnity for business management consultants Legal protection Crisis containment Hiscox Business Insurance Policy wording 17431a - DC565 WORDING 04/17IntroductionThank you for choosing Hiscox to protect your business. We hope that the language and layout of this policy wording are clear because we want you to understand the insurance we provide as well as the responsibilities we have to each other. Please read this document, including the policy schedule, policy summary and statement of fact, and let us know as soon as possible if any of the details are shown incorrectly. We always try to deliver to the highest standards of service. Your views are important to us, so if you feel that our service is below the standard you would expect from Hiscox, please contact us on the phone number shown in your policy schedule. Please note that some of the words we use in this insurance are shown in bold type. These words are defined in each section of the wording. Page / 1 Hiscox Insurance Payment schedule Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Thank you for continuing to pay for your policy by Direct Debit. Please 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 Kim Goddard Frequency of collection: Annual Sort code: %BANK_SORT_CODE_1% Account number: %BANK_ACCOUNT_NUMBER_1% Your Direct Debit schedule We will take payments on the dates outlined below: Date Amount Mon 20 December, 2021 £493.40 Where your chosen collection date falls ona non-working day then we will endeavour to collect the next working day. For your information, the collections will be made using the following reference number: Originator Identification Number: 293461 Reference Number: ECUI/EENGKDVNV If you have any questions about your policy or payments, please call us on 0800 280 0351. We’re here between 8:30am - 5:30pm Monday to Friday or you can email us at service@hiscox.co.uk. Using your personal information Hiscox isa trading name ofa number of Hiscox companies. The specific company acting asa data controller of your personal information will be listed in the documentation we provide to you. If you are unsure you can also contact us at anytime by telephoning 01904 681198 or by emailing us at dataprotectionofficer@hiscox.com. We collect and process information about you in order to provide insurance policies and to process claims. Your information is also used for business purposes such as fraud prevention and detection and financial management. This may involve sharing your information with, and obtaining information about you from, our group companies and third parties such as brokers, loss adjusters, credit reference agencies, service providers, professional advisors, our regulators or fraud prevention agencies. We may record telephone calls to help us monitor and improve the service we provide. For further information on how your information is used and your rights in relation to your information please see our privacy policy at www.hiscox.co.uk/cookies-privacy. The Direct Debit Guarantee This Guarantee is offered by all banks and building societies that accept instructions to pay Direct Debits. If there are any changes to the amount, date or frequency of your Direct Debit Hiscox Underwriting Ltd will notify you ten working days in advance of your account being debited or as otherwise agreed. If you request Hiscox Underwriting Ltd to collect a payment, confirmation of the amount and date will be given to you at the time of the request. If an error is made in the payment of your Direct Debit by Hiscox Underwriting Ltd or your bank or building society you are entitled to a full and immediate refund of the amount paid from your bank or building society. – If you receive a refund you are not entitled to, you must pay it back when Hiscox Underwriting Ltd asks you to. You can cancel a Direct Debit at anytime by simply contacting your bank or building society. Written confirmation maybe required. Please also notify us. Page / 1 Hiscox Business Insurance Policy summary JAC-PSC-UK-DC556(5.4) 17431b 07/20 Your Hiscox Business Insurance policy summaries This document contains the summaries for any policy covers you have selected to protect your business. These summaries outline the key information about your policies so you can be confident that you have understood what you have bought and what you are covered for. However, you should carefully read your policy in full and ensure that you understand its terms and conditions in full. If you have any queries, you should contact Hiscox or your insurance advisor. Your side of the bargain Remember, your premium and insurance are based on the details you have provided to us. Please make sure this information accurately reflects your business and that you inform us immediately if anything needs to change. Please also tell us of any changes in circumstances that may affect the services provided by us or the cover provided by your policy. This is particularly important before taking out a policy, but it also applies throughout the life of the policy too. You need to consider: ■if you fail to fairly present the risk to us, including by failing to disclose any information material to the insurance, you could invalidate the policy, claims may not be paid or the amount we pay maybe reduced; ■you should read and check all insurance documents to ensure that you are aware of the cover, limits and other terms that apply; ■if you fail to let us know of any changes to your circumstances during the period of insurance or, if when telling us about such changes you fail to present the risk to us fairly, you could invalidate the policy, claims may not be paid or the amount we pay maybe reduced; ■please be aware of all terms and conditions of your policy because failure to comply with them could invalidate it or result in us not paying a claim or reducing the amount we pay; ■in the event ofa claim, you should take note of the required procedures, such as giving Hiscox prompt notice of the claims, as stated in the policy documentation. In particular, if you fail to notify us when you first become aware ofa shortcoming, fact, or problem, admit you are liable for what has happened or appoint solicitors or other legal representation without our prior written approval, claims or defence costs may not be paid or the amount we pay maybe reduced; ■as with any insurance, you have an obligation to take reasonable steps to mitigate any loss or liability; ■if you make a fraudulent claim or try to deceive us, we may terminate the policy. Policy length The period of insurance is shown on your policy schedule. Your policy schedule will also show if the policy is ona continuing cover basis. If itis ona continuing cover basis, we will renew your policy each year for another 12 months and continue to take payment (including any premium adjustment shown in your renewal invitation) using your existing arrangement, unless you tell us otherwise or if your risk changes. If your policy schedule does not show that the policy is ona continuing cover basis, cover will cease at the end of the period of insurance, unless you renew your policy with us. We will provide you witha statement of fact each year and provided that the information contained within the statement of fact is true, complete and accurate, you do not need to provide us with any further information. If any of the information in your statement of fact is not true, complete and accurate, you must let us know. If you do not let us know, it may affect the validity of the policy or our ability to pay a claim. Retroactive dates, geographical and jurisdiction limits Where any section of your policy schedule includes a retroactive date, we will not make any payment for any claim or loss under that section which arises from any activity performed or any act, incident or occurrence taking place, before the retroactive date. Where any section of your policy schedule shows the geographical limits which apply to that section of the policy, we will only pay for claims and losses under that section which arise from activities performed or acts, incidents or occurrences taking place within those geographical limits. Where any section provides cover in respect of your liability to third parties, we will only cover claims first made ina country within the applicable courts stated in that section of your policy schedule. Hiscox Business Insurance Policy summary JAC-PSC-UK-DC556(5.4) 17431b 07/20 Cancellation rights You can cancel this policy by giving us 30 days' notice. You will only be charged for the premiums due up to the date of cancellation. If we need to cancel the policy, we’ll give you 30 days’ notice in writing and refund any surplus premiums you might have paid. Please note – we may deduct an administration fee from any refunded payment.There is an exception to our 30-day notice period, which is triggered when we don’t receive your Direct Debit payments within the agreed 14-day period. At this point, we will contact you as soon as possible and stop the policyPage / 2 immediately. Underwritten by:Hiscox Underwriting Ltd on behalf of the insurers named in the schedule. Page / 1 Certificate of professional indemnity insurance Rowe, Hussain and Wyatt Hiscox Underwriting Ltd of 1 Great St. Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Certificate of professional indemnity Insurance Policy number:ECUI/EENGKDVNV Name of policy holder:Rowe, Hussain and Wyatt Period of insurance: From 30/10/2024 to Wednesday 27 December, 2023 both days inclusive. This policy isa Continuing cover policy Insurer: Hiscox Insurance Company Limited Retroactive date: 21/11/19 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: 30/10/2024 Insurance details Policy number: ECUI/EENGKDVNV Period of insurance: From 30/10/2024 to Wednesday 27 December, 2023 both days inclusive. This policy isa Continuing cover policy. Insured: Rowe, Hussain and Wyatt Address: 75 Stuart forges Allanside FARNHAM SO7 7FP Additional insureds: None Business: Management Consultants Premium details Charged premium – the total amount you’ll pay for this policy. Charged premium: £8,665.58 Insurance Premium Tax (IPT): £8,355.88 Total charged premium: £493.40 Annualised premium – the annual premium for this policy. This is given for comparison purposes. Please refer to the charged premium section for the amount you’ll pay for the policy. Annual premium: £8,665.58 Insurance Premium Tax (IPT): £8,355.88 Annual total: £493.40 Please note that there will be no refund or additional premium for any transaction which is less than £20 (excluding IPT). Hiscox Business Insurance Policy Schedule 14502 10/18 Summary Claims information If you need to make a claim: - For claims relating to your building or contents please contact our claims team on 0800 247 1902, 9.00am – 5:30pm Monday to Friday. If you wish to make a claim online, you can log most claims quickly and easily through our claims notification portal at https://claims.hiscox.co.uk/. Outside of normal business hours, if you require emergency assistance in relation to substantial damage to your property, you can speak to our 24-hour emergency assistance team using the telephone number above. Your policy schedule will state if property cover is included in your policy. Our out-of-hours emergency assistance team operate ona pay-and-claim basis and you will need to have credit card details available as appropriate. The team will then be able to direct you to essential tradesmen, emergency loss adjusters or disaster management companies in the event of substantial damage. - If there isa claim (or potential claim) against you bya third party, please email us at liability.claims@hiscox.com. If you need to speak to a member of the claims team urgently, please call our team on 0800 711 7156, 9.00am – 5:30pm Monday to Friday. If you wish to make a claim online, you can log most claims quickly and easily through our claims notification portal at https://claims.hiscox.co.uk/. You will need to provide your full name and contact details, the name of your business or organisation, your address and postcode, the policy reference and circumstances of the claim. The Important information and contact details section below contains additional information specific to the covers applicable to your policy. If you are unsure of who to contact please call our team on 0800 711 7156, 9.00am – 5:30pm Monday to Friday. They will ensure you get through to the correct claims team and let you know what actions you need to take. If anything happens that might be covered under the policy, you must comply with the obligations set out in General claims conditions, together with the obligations set out under Your obligations in the section or sections under which you are making the claim. Itis important that you read the policy for details of its terms in full. Your covers This isa summary of each section of your policy. See each section for cover details. Cover Insurance amount Excess Annual Premium (exc IPT) Professional indemnity £1,000,000 £1,000 £7,284.42 Legal protection £100,000 £0 £5,787.74 Crisis containment £25,000 - £721.08 The figures above are in summary only and are not in addition to the amount insured specified against each cover section below. Hiscox Business Insurance Policy Schedule 14502 10/18 SECTION: PROFESSIONAL INDEMNITY – MANAGEMENT CONSULTANTS Cover start date: 30/10/2024 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 dataPage / 2 claims £250,000 in the aggregate, including all costs Business activities Business management consultant Retroactive date 21/11/19 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	ECUI/EENGKDVNV	(?<=Policy number - )[-\w_\/\.]+?(?= Company name)	30/10/2024	(?<=anniversary of your policy is approaching on )[-\w_\/\. ,]+?(?= \.)	null	null	Business	(?<=time to renew your Hiscox )[-\w_\/\. ]+?(?= Insurance)	2024-02-05
hiscox-business-1	Hiscox Business Insurance - Policy number - J1BC/SFPZ Company name: Chambers-Coates It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : J1BC/SFPZ. Company name: Chambers-Coates. Your Hiscox Insurance premium. Last year’s annual premium: This year’s annual premium. £ 755.85. £ 755.85. The premium includes all applicable insurance premium tax (IPT). Dear Mrs Harriet Carey. Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on Monday 08 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. £6,510.23. £6,510.23. Legal protection. £4,321.98. £4,321.98. Crisis containment. £9,264.60. Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy . Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government increase in Insurance Premium Tax as shown. Is our information correct? Your premium and cover are based on what you’ve told us about Chambers-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 Monday 08 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 : J1BC/SFPZ Company name: Chambers-Coates . It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : J1BC/SFPZ Company name: Chambers-Coates . Your Hiscox Insurance premium Last year’s annual premium: This year’s annual premium The premium includes all applicable insurance premium tax (IPT). £ 755.85 £ 755.85 . Your Hiscox Insurance premium . Last year’s annual premium: This year’s annual premium £ 755.85 £ 755.85 . The premium includes all applicable insurance premium tax (IPT). Dear Mrs Harriet Carey . Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on Monday 08 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 £6,510.23 £6,510.23 Legal protection £4,321.98 £4,321.98 Crisis containment £9,264.60 Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government increase in Insurance Premium Tax as shown. Is our information correct? Your premium and cover are based on what you’ve told us about Chambers-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 Monday 08 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 Monday 08 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 £6,510.23 £6,510.23 Legal protection £4,321.98 £4,321.98 Crisis containment £9,264.60 Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government increase in Insurance Premium Tax as shown. Is our information correct? Your premium and cover are based on what you’ve told us about Chambers-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 Monday 08 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) £6,510.23 £4,321.98 £9,264.60 . This year’s annual Premium (exc IPT) £6,510.23 £4,321.98 . Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) . Professional indemnity £6,510.23 £6,510.23 . Legal protection £4,321.98 £4,321.98 . Crisis containment £9,264.60 . Kind regards Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre . Kind regards . Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave . To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre . Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Page / 1 Hiscox Business Insurance Policy wording 17431a - DC565 WORDING 04/17Guide to sectionsIntroduction Policy wordings General terms and conditions Professional indemnity for business management consultants Legal protection Crisis containment Hiscox Business Insurance Policy wording 17431a - DC565 WORDING 04/17IntroductionThank you for choosing Hiscox to protect your business. We hope that the language and layout of this policy wording are clear because we want you to understand the insurance we provide as well as the responsibilities we have to each other. Please read this document, including the policy schedule, policy summary and statement of fact, and let us know as soon as possible if any of the details are shown incorrectly. We always try to deliver to the highest standards of service. Your views are important to us, so if you feel that our service is below the standard you would expect from Hiscox, please contact us on the phone number shown in your policy schedule. Please note that some of the words we use in this insurance are shown in bold type. These words are defined in each section of the wording. Page / 1 Hiscox Insurance Payment schedule Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Thank you for continuing to pay for your policy by Direct Debit. Please check these details and let us know if anything is incorrect or if the schedule is not suitable. Your reference details Account holder name: Harriet Carey Frequency of collection: Annual Sort code: %BANK_SORT_CODE_1% Account number: %BANK_ACCOUNT_NUMBER_1% Your Direct Debit schedule We will take payments on the dates outlined below: Date Amount Thursday 27 August, 2020 £755.85 Where your chosen collection date falls ona non-working day then we will endeavour to collect the next working day. For your information, the collections will be made using the following reference number: Originator Identification Number: 293461 Reference Number: J1BC/SFPZ If you have any questions about your policy or payments, please call us on 0800 280 0351. We’re here between 8:30am - 5:30pm Monday to Friday or you can email us at service@hiscox.co.uk. Using your personal information Hiscox isa trading name ofa number of Hiscox companies. The specific company acting asa data controller of your personal information will be listed in the documentation we provide to you. If you are unsure you can also contact us at anytime by telephoning 01904 681198 or by emailing us at dataprotectionofficer@hiscox.com. We collect and process information about you in order to provide insurance policies and to process claims. Your information is also used for business purposes such as fraud prevention and detection and financial management. This may involve sharing your information with, and obtaining information about you from, our group companies and third parties such as brokers, loss adjusters, credit reference agencies, service providers, professional advisors, our regulators or fraud prevention agencies. We may record telephone calls to help us monitor and improve the service we provide. For further information on how your information is used and your rights in relation to your information please see our privacy policy at www.hiscox.co.uk/cookies-privacy. The Direct Debit Guarantee This Guarantee is offered by all banks and building societies that accept instructions to pay Direct Debits. If there are any changes to the amount, date or frequency of your Direct Debit Hiscox Underwriting Ltd will notify you ten working days in advance of your account being debited or as otherwise agreed. If you request Hiscox Underwriting Ltd to collect a payment, confirmation of the amount and date will be given to you at the time of the request. If an error is made in the payment of your Direct Debit by Hiscox Underwriting Ltd or your bank or building society you are entitled to a full and immediate refund of the amount paid from your bank or building society. – If you receive a refund you are not entitled to, you must pay it back when Hiscox Underwriting Ltd asks you to. You can cancel a Direct Debit at anytime by simply contacting your bank or building society. Written confirmation maybe required. Please also notify us. Page / 1 Hiscox Business Insurance Policy summary JAC-PSC-UK-DC556(5.4) 17431b 07/20 Your Hiscox Business Insurance policy summaries This document contains the summaries for any policy covers you have selected to protect your business. These summaries outline the key information about your policies so you can be confident that you have understood what you have bought and what you are covered for. However, you should carefully read your policy in full and ensure that you understand its terms and conditions in full. If you have any queries, you should contact Hiscox or your insurance advisor. Your side of the bargain Remember, your premium and insurance are based on the details you have provided to us. Please make sure this information accurately reflects your business and that you inform us immediately if anything needs to change. Please also tell us of any changes in circumstances that may affect the services provided by us or the cover provided by your policy. This is particularly important before taking out a policy, but it also applies throughout the life of the policy too. You need to consider: ■if you fail to fairly present the risk to us, including by failing to disclose any information material to the insurance, you could invalidate the policy, claims may not be paid or the amount we pay maybe reduced; ■you should read and check all insurance documents to ensure that you are aware of the cover, limits and other terms that apply; ■if you fail to let us know of any changes to your circumstances during the period of insurance or, if when telling us about such changes you fail to present the risk to us fairly, you could invalidate the policy, claims may not be paid or the amount we pay maybe reduced; ■please be aware of all terms and conditions of your policy because failure to comply with them could invalidate it or result in us not paying a claim or reducing the amount we pay; ■in the event ofa claim, you should take note of the required procedures, such as giving Hiscox prompt notice of the claims, as stated in the policy documentation. In particular, if you fail to notify us when you first become aware ofa shortcoming, fact, or problem, admit you are liable for what has happened or appoint solicitors or other legal representation without our prior written approval, claims or defence costs may not be paid or the amount we pay maybe reduced; ■as with any insurance, you have an obligation to take reasonable steps to mitigate any loss or liability; ■if you make a fraudulent claim or try to deceive us, we may terminate the policy. Policy length The period of insurance is shown on your policy schedule. Your policy schedule will also show if the policy is ona continuing cover basis. If itis ona continuing cover basis, we will renew your policy each year for another 12 months and continue to take payment (including any premium adjustment shown in your renewal invitation) using your existing arrangement, unless you tell us otherwise or if your risk changes. If your policy schedule does not show that the policy is ona continuing cover basis, cover will cease at the end of the period of insurance, unless you renew your policy with us. We will provide you witha statement of fact each year and provided that the information contained within the statement of fact is true, complete and accurate, you do not need to provide us with any further information. If any of the information in your statement of fact is not true, complete and accurate, you must let us know. If you do not let us know, it may affect the validity of the policy or our ability to pay a claim. Retroactive dates, geographical and jurisdiction limits Where any section of your policy schedule includes a retroactive date, we will not make any payment for any claim or loss under that section which arises from any activity performed or any act, incident or occurrence taking place, before the retroactive date. Where any section of your policy schedule shows the geographical limits which apply to that section of the policy, we will only pay for claims and losses under that section which arise from activities performed or acts, incidents or occurrences taking place within those geographical limits. Where any section provides cover in respect of your liability to third parties, we will only cover claims first made ina country within the applicable courts stated in that section of your policy schedule. Hiscox Business Insurance Policy summary JAC-PSC-UK-DC556(5.4) 17431b 07/20 Cancellation rights You can cancel this policy by giving us 30 days' notice. You will only be charged for the premiums due up to the date of cancellation. If we need to cancel the policy, we’ll give you 30 days’ notice in writing and refund any surplus premiums you might have paid. Please note – we may deduct an administration fee from any refunded payment.There is an exception to our 30-day notice period, which is triggered when we don’t receive your Direct Debit payments within the agreed 14-day period. At this point, we will contact you as soon as possible and stop the policyPage / 2 immediately. Underwritten by:Hiscox Underwriting Ltd on behalf of the insurers named in the schedule. Page / 1 Certificate of professional indemnity insurance Chambers-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:J1BC/SFPZ Name of policy holder:Chambers-Coates Period of insurance: From Monday 08 August, 2022 to Sun 04 April, 2021 both days inclusive. This policy isa Continuing cover policy Insurer: Hiscox Insurance Company Limited Retroactive date: 2020-10-03 Level of cover:£1,000,000 Signed on behalf of Hiscox Underwriting Limited as agent for the insurers Jon Dye CEO, Hiscox UK Notes: (a) This insurance is subject to policy terms and conditions and any special terms notified to the InsuredPage / 1 Hiscox Business Insurance Policy Schedule 14502 10/18 This schedule tells you what is insured with us. It should be read carefully with your policy wording(s) and statement of fact detailed elsewhere in this document. Schedule effective date: Monday 08 August, 2022 Insurance details Policy number: J1BC/SFPZ Period of insurance: From Monday 08 August, 2022 to Sun 04 April, 2021 both days inclusive. This policy isa Continuing cover policy. Insured: Chambers-Coates Address: Studio 12p Martin grove Trevorborough FARNHAM N2 8UF Additional insureds: None Business: Management Consultants Premium details Charged premium – the total amount you’ll pay for this policy. Charged premium: £268.13 Insurance Premium Tax (IPT): £7,634.31 Total charged premium: £755.85 Annualised premium – the annual premium for this policy. This is given for comparison purposes. Please refer to the charged premium section for the amount you’ll pay for the policy. Annual premium: £268.13 Insurance Premium Tax (IPT): £7,634.31 Annual total: £755.85 Please note that there will be no refund or additional premium for any transaction which is less than £20 (excluding IPT). Hiscox Business Insurance Policy Schedule 14502 10/18 Summary Claims information If you need to make a claim: - For claims relating to your building or contents please contact our claims team on 0800 247 1902, 9.00am – 5:30pm Monday to Friday. If you wish to make a claim online, you can log most claims quickly and easily through our claims notification portal at https://claims.hiscox.co.uk/. Outside of normal business hours, if you require emergency assistance in relation to substantial damage to your property, you can speak to our 24-hour emergency assistance team using the telephone number above. Your policy schedule will state if property cover is included in your policy. Our out-of-hours emergency assistance team operate ona pay-and-claim basis and you will need to have credit card details available as appropriate. The team will then be able to direct you to essential tradesmen, emergency loss adjusters or disaster management companies in the event of substantial damage. - If there isa claim (or potential claim) against you bya third party, please email us at liability.claims@hiscox.com. If you need to speak to a member of the claims team urgently, please call our team on 0800 711 7156, 9.00am – 5:30pm Monday to Friday. If you wish to make a claim online, you can log most claims quickly and easily through our claims notification portal at https://claims.hiscox.co.uk/. You will need to provide your full name and contact details, the name of your business or organisation, your address and postcode, the policy reference and circumstances of the claim. The Important information and contact details section below contains additional information specific to the covers applicable to your policy. If you are unsure of who to contact please call our team on 0800 711 7156, 9.00am – 5:30pm Monday to Friday. They will ensure you get through to the correct claims team and let you know what actions you need to take. If anything happens that might be covered under the policy, you must comply with the obligations set out in General claims conditions, together with the obligations set out under Your obligations in the section or sections under which you are making the claim. Itis important that you read the policy for details of its terms in full. Your covers This isa summary of each section of your policy. See each section for cover details. Cover Insurance amount Excess Annual Premium (exc IPT) Professional indemnity £1,000,000 £1,000 £6,510.23 Legal protection £100,000 £0 £4,321.98 Crisis containment £25,000 - £9,264.60 The figures above are in summary only and are not in addition to the amount insured specified against each cover section below. Hiscox Business Insurance Policy Schedule 14502 10/18 SECTION: PROFESSIONAL INDEMNITY – MANAGEMENT CONSULTANTS Cover start date: Monday 08 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 dataPage / 2 claims £250,000 in the aggregate, including all costs Business activities Business management consultant Retroactive date 2020-10-03 Insurer Hiscox Insurance Company LimitedPage / 1 Hiscox Insurance Summary of change Introduction This document has been created to help you understand the key changes to your Hiscox Insurance policy and how they may impact you. Your policy continues to offer professional, tailored insurance to protect you and give you peace of mind that if you need us, you will be supported by our award winning claims team. If you have a query not covered by this document, or if you have any questions or concerns about your policy you should contact us. Frequently asked questions What if my circumstances change during the period of insurance? If your circumstances change during the period of insurance, you only need to let us know if the change means that any of the information in the Statement of Fact is no longer true, complete and accurate. If there are no such changes, you do not need to let us know. If any of the information within the Statement of Fact becomes no longer complete, true or accurate at any point during the period of insurance you must tell us as it may affect the validity of the policy or our ability to pay a claim. Additionally, if your contact details change then you should let us know straightaway. Where doI find the limits that apply to my policy? You can find your maximum allowable limits for turnover and wage rollin your Statement of Fact. You must check this information and tell us or your broker if you expect to exceed the maximum amounts shown. Please note these values may have changed. If there are special limits or special excesses applying to particular covers or types of losses these will be shown in the policy schedule. Please check your policy schedule carefully as they may have changed. My new schedule shows a different premium to last year? What has changed? If an underwriter has reviewed your policy then they may have manually adjusted your premium, for example if you’ve had claims in the last 12 months. Where doI find out about any endorsements on my policy? You will be able to see if an endorsement has been applied or removed by reviewing your Policy Schedule. If you have any queries or concerns, please contact us or your broker if you have one. Hiscox Insurance Summary of change Professional indemnity for business management consultants Summary of change Changes to the cover The following table shows the differences between our new policy wordings (5570 WD- PROF-UK-MAN(7), 15579 WD-PROF-UK-MAN-AG(3)) and our previous wordings (5570 WD-PROF-UK-MAN(6), 15579 WD-PROF-UK-MAN-AG(2)). This isa summary of the changes only. You should refer to the schedule and policy wording for the full description of the cover in place. Area of cover Previous policy New policy Improvement in cover Claims against you Advertising claims. We will pay claims arising from your advertising or branding for defamation or infringement of copyright or moral rights. This does not include claims for passing off, unauthorised use of trademarks or false or misleading advertising. Previously cover was not restricted to defamation or the infringement of copyright or moral rights.Covered Amended Your own lossesChanges to ‘what is covered’ Losses from dishonesty. Your losses arising from the dishonesty of your employees, sub-contractors or outsourcers.Covered Not covered Area of cover Previous policy New policy Improvement in cover Cyber incident. We will not pay claims relating to an actual or possible cyber attack, hacker or social engineering communication. Previously we excluded any virus not specifically targeted at your system.Covered Not covered Computer or digital technology error. We will not pay claims arising from any negligent act, error or omission in the operation or maintenance of computer or digital technology such as development, installation, patching or upgrading.Covered Not coveredChanges to ‘what is not covered’ Infrastructure. We will not pay claims arising from the failure of the service provided by internet, telecommunications, utilities or other infrastructure providers.Covered Not covered Hiscox Insurance Summary of change Personal data. We will not pay claims relating to personal data. We will pay such claims where they arise from your performance ofa business activity and which is not otherwise excluded. Subject to the limit shown in the schedule.Covered Not covered Other important changes Control of defence. Under the previous wording we had a duty to defend you against any covered claim brought against you. We now have the right but not the obligation to take control of the conduct of the claim including the appointment of legal representation. Please refer to the policy wording for full details. SOC-PROF-UK-MAN(1) 21367 01/21	J1BC/SFPZ	(?<=Policy number - )[-\w_\/\.]+?(?= Company name)	Monday 08 August, 2022	(?<=anniversary of your policy is approaching on )[-\w_\/\. ,]+?(?= \.)	null	null	Business	(?<=time to renew your Hiscox )[-\w_\/\. ]+?(?= Insurance)	2024-02-05
hiscox-business-1	Hiscox Business Insurance - Policy number - ngs-eur_xmqvyiogzrqqz Company name: Turner-Hunter It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : ngs-eur_xmqvyiogzrqqz. Company name: Turner-Hunter. Your Hiscox Insurance premium. Last year’s annual premium: This year’s annual premium. £ 302.65. £ 302.65. The premium includes all applicable insurance premium tax (IPT). Dear Dr Irene Patel. Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 21/08/2024 . 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. £383.07. £383.07. Legal protection. £4,869.21. £4,869.21. Crisis containment. £8,012.97. Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy . Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government 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-Hunter , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay. . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover. Policy summary for each cover. ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover . As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before 21/08/2024 . 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 : ngs-eur_xmqvyiogzrqqz Company name: Turner-Hunter . It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : ngs-eur_xmqvyiogzrqqz Company name: Turner-Hunter . Your Hiscox Insurance premium Last year’s annual premium: This year’s annual premium The premium includes all applicable insurance premium tax (IPT). £ 302.65 £ 302.65 . Your Hiscox Insurance premium . Last year’s annual premium: This year’s annual premium £ 302.65 £ 302.65 . The premium includes all applicable insurance premium tax (IPT). Dear Dr Irene Patel . Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 21/08/2024 . 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 £383.07 £383.07 Legal protection £4,869.21 £4,869.21 Crisis containment £8,012.97 Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government 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-Hunter , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover Policy summary for each cover ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before 21/08/2024 . 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 21/08/2024 . 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 £383.07 £383.07 Legal protection £4,869.21 £4,869.21 Crisis containment £8,012.97 Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government 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-Hunter , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover Policy summary for each cover ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before 21/08/2024 . 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) £383.07 £4,869.21 £8,012.97 . This year’s annual Premium (exc IPT) £383.07 £4,869.21 . Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) . Professional indemnity £383.07 £383.07 . Legal protection £4,869.21 £4,869.21 . Crisis containment £8,012.97 . Kind regards Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre . Kind regards . Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave . To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre . Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Page / 1 Hiscox Business Insurance Policy wording 17431a - DC565 WORDING 04/17Guide to sectionsIntroduction Policy wordings General terms and conditions Professional indemnity for business management consultants Legal protection Crisis containment Hiscox Business Insurance Policy wording 17431a - DC565 WORDING 04/17IntroductionThank you for choosing Hiscox to protect your business. We hope that the language and layout of this policy wording are clear because we want you to understand the insurance we provide as well as the responsibilities we have to each other. Please read this document, including the policy schedule, policy summary and statement of fact, and let us know as soon as possible if any of the details are shown incorrectly. We always try to deliver to the highest standards of service. Your views are important to us, so if you feel that our service is below the standard you would expect from Hiscox, please contact us on the phone number shown in your policy schedule. Please note that some of the words we use in this insurance are shown in bold type. These words are defined in each section of the wording. Page / 1 Hiscox Insurance Payment schedule Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Thank you for continuing to pay for your policy by Direct Debit. Please check these details and let us know if anything is incorrect or if the schedule is not suitable. Your reference details Account holder name: Irene Patel Frequency of collection: Annual Sort code: %BANK_SORT_CODE_1% Account number: %BANK_ACCOUNT_NUMBER_1% Your Direct Debit schedule We will take payments on the dates outlined below: Date Amount 16/05/2019 £302.65 Where your chosen collection date falls ona non-working day then we will endeavour to collect the next working day. For your information, the collections will be made using the following reference number: Originator Identification Number: 293461 Reference Number: ngs-eur_xmqvyiogzrqqz If you have any questions about your policy or payments, please call us on 0800 280 0351. We’re here between 8:30am - 5:30pm Monday to Friday or you can email us at service@hiscox.co.uk. Using your personal information Hiscox isa trading name ofa number of Hiscox companies. The specific company acting asa data controller of your personal information will be listed in the documentation we provide to you. If you are unsure you can also contact us at anytime by telephoning 01904 681198 or by emailing us at dataprotectionofficer@hiscox.com. We collect and process information about you in order to provide insurance policies and to process claims. Your information is also used for business purposes such as fraud prevention and detection and financial management. This may involve sharing your information with, and obtaining information about you from, our group companies and third parties such as brokers, loss adjusters, credit reference agencies, service providers, professional advisors, our regulators or fraud prevention agencies. We may record telephone calls to help us monitor and improve the service we provide. For further information on how your information is used and your rights in relation to your information please see our privacy policy at www.hiscox.co.uk/cookies-privacy. The Direct Debit Guarantee This Guarantee is offered by all banks and building societies that accept instructions to pay Direct Debits. If there are any changes to the amount, date or frequency of your Direct Debit Hiscox Underwriting Ltd will notify you ten working days in advance of your account being debited or as otherwise agreed. If you request Hiscox Underwriting Ltd to collect a payment, confirmation of the amount and date will be given to you at the time of the request. If an error is made in the payment of your Direct Debit by Hiscox Underwriting Ltd or your bank or building society you are entitled to a full and immediate refund of the amount paid from your bank or building society. – If you receive a refund you are not entitled to, you must pay it back when Hiscox Underwriting Ltd asks you to. You can cancel a Direct Debit at anytime by simply contacting your bank or building society. Written confirmation maybe required. Please also notify us. Page / 1 Hiscox Business Insurance Policy summary JAC-PSC-UK-DC556(5.4) 17431b 07/20 Your Hiscox Business Insurance policy summaries This document contains the summaries for any policy covers you have selected to protect your business. These summaries outline the key information about your policies so you can be confident that you have understood what you have bought and what you are covered for. However, you should carefully read your policy in full and ensure that you understand its terms and conditions in full. If you have any queries, you should contact Hiscox or your insurance advisor. Your side of the bargain Remember, your premium and insurance are based on the details you have provided to us. Please make sure this information accurately reflects your business and that you inform us immediately if anything needs to change. Please also tell us of any changes in circumstances that may affect the services provided by us or the cover provided by your policy. This is particularly important before taking out a policy, but it also applies throughout the life of the policy too. You need to consider: ■if you fail to fairly present the risk to us, including by failing to disclose any information material to the insurance, you could invalidate the policy, claims may not be paid or the amount we pay maybe reduced; ■you should read and check all insurance documents to ensure that you are aware of the cover, limits and other terms that apply; ■if you fail to let us know of any changes to your circumstances during the period of insurance or, if when telling us about such changes you fail to present the risk to us fairly, you could invalidate the policy, claims may not be paid or the amount we pay maybe reduced; ■please be aware of all terms and conditions of your policy because failure to comply with them could invalidate it or result in us not paying a claim or reducing the amount we pay; ■in the event ofa claim, you should take note of the required procedures, such as giving Hiscox prompt notice of the claims, as stated in the policy documentation. In particular, if you fail to notify us when you first become aware ofa shortcoming, fact, or problem, admit you are liable for what has happened or appoint solicitors or other legal representation without our prior written approval, claims or defence costs may not be paid or the amount we pay maybe reduced; ■as with any insurance, you have an obligation to take reasonable steps to mitigate any loss or liability; ■if you make a fraudulent claim or try to deceive us, we may terminate the policy. Policy length The period of insurance is shown on your policy schedule. Your policy schedule will also show if the policy is ona continuing cover basis. If itis ona continuing cover basis, we will renew your policy each year for another 12 months and continue to take payment (including any premium adjustment shown in your renewal invitation) using your existing arrangement, unless you tell us otherwise or if your risk changes. If your policy schedule does not show that the policy is ona continuing cover basis, cover will cease at the end of the period of insurance, unless you renew your policy with us. We will provide you witha statement of fact each year and provided that the information contained within the statement of fact is true, complete and accurate, you do not need to provide us with any further information. If any of the information in your statement of fact is not true, complete and accurate, you must let us know. If you do not let us know, it may affect the validity of the policy or our ability to pay a claim. Retroactive dates, geographical and jurisdiction limits Where any section of your policy schedule includes a retroactive date, we will not make any payment for any claim or loss under that section which arises from any activity performed or any act, incident or occurrence taking place, before the retroactive date. Where any section of your policy schedule shows the geographical limits which apply to that section of the policy, we will only pay for claims and losses under that section which arise from activities performed or acts, incidents or occurrences taking place within those geographical limits. Where any section provides cover in respect of your liability to third parties, we will only cover claims first made ina country within the applicable courts stated in that section of your policy schedule. Hiscox Business Insurance Policy summary JAC-PSC-UK-DC556(5.4) 17431b 07/20 Cancellation rights You can cancel this policy by giving us 30 days' notice. You will only be charged for the premiums due up to the date of cancellation. If we need to cancel the policy, we’ll give you 30 days’ notice in writing and refund any surplus premiums you might have paid. Please note – we may deduct an administration fee from any refunded payment.There is an exception to our 30-day notice period, which is triggered when we don’t receive your Direct Debit payments within the agreed 14-day period. At this point, we will contact you as soon as possible and stop the 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-Hunter Hiscox Underwriting Ltd of 1 Great St. Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Certificate of professional indemnity Insurance Policy number:ngs-eur_xmqvyiogzrqqz Name of policy holder:Turner-Hunter Period of insurance: From 21/08/2024 to Monday 19 June, 2023 both days inclusive. This policy isa Continuing cover policy Insurer: Hiscox Insurance Company Limited Retroactive date: 11/08/23 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: 21/08/2024 Insurance details Policy number: ngs-eur_xmqvyiogzrqqz Period of insurance: From 21/08/2024 to Monday 19 June, 2023 both days inclusive. This policy isa Continuing cover policy. Insured: Turner-Hunter Address: Studio 34 Read crest Guyburgh FARNHAM S5 0BP Additional insureds: None Business: Management Consultants Premium details Charged premium – the total amount you’ll pay for this policy. Charged premium: £820.24 Insurance Premium Tax (IPT): £1,561.59 Total charged premium: £302.65 Annualised premium – the annual premium for this policy. This is given for comparison purposes. Please refer to the charged premium section for the amount you’ll pay for the policy. Annual premium: £820.24 Insurance Premium Tax (IPT): £1,561.59 Annual total: £302.65 Please note that there will be no refund or additional premium for any transaction which is less than £20 (excluding IPT). Hiscox Business Insurance Policy Schedule 14502 10/18 Summary Claims information If you need to make a claim: - For claims relating to your building or contents please contact our claims team on 0800 247 1902, 9.00am – 5:30pm Monday to Friday. If you wish to make a claim online, you can log most claims quickly and easily through our claims notification portal at https://claims.hiscox.co.uk/. Outside of normal business hours, if you require emergency assistance in relation to substantial damage to your property, you can speak to our 24-hour emergency assistance team using the telephone number above. Your policy schedule will state if property cover is included in your policy. Our out-of-hours emergency assistance team operate ona pay-and-claim basis and you will need to have credit card details available as appropriate. The team will then be able to direct you to essential tradesmen, emergency loss adjusters or disaster management companies in the event of substantial damage. - If there isa claim (or potential claim) against you bya third party, please email us at liability.claims@hiscox.com. If you need to speak to a member of the claims team urgently, please call our team on 0800 711 7156, 9.00am – 5:30pm Monday to Friday. If you wish to make a claim online, you can log most claims quickly and easily through our claims notification portal at https://claims.hiscox.co.uk/. You will need to provide your full name and contact details, the name of your business or organisation, your address and postcode, the policy reference and circumstances of the claim. The Important information and contact details section below contains additional information specific to the covers applicable to your policy. If you are unsure of who to contact please call our team on 0800 711 7156, 9.00am – 5:30pm Monday to Friday. They will ensure you get through to the correct claims team and let you know what actions you need to take. If anything happens that might be covered under the policy, you must comply with the obligations set out in General claims conditions, together with the obligations set out under Your obligations in the section or sections under which you are making the claim. Itis important that you read the policy for details of its terms in full. Your covers This isa summary of each section of your policy. See each section for cover details. Cover Insurance amount Excess Annual Premium (exc IPT) Professional indemnity £1,000,000 £1,000 £383.07 Legal protection £100,000 £0 £4,869.21 Crisis containment £25,000 - £8,012.97 The figures above are in summary only and are not in addition to the amount insured specified against each cover section below. Hiscox Business Insurance Policy Schedule 14502 10/18 SECTION: PROFESSIONAL INDEMNITY – MANAGEMENT CONSULTANTS Cover start date: 21/08/2024 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 dataPage / 2 claims £250,000 in the aggregate, including all costs Business activities Business management consultant Retroactive date 11/08/23 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	ngs-eur_xmqvyiogzrqqz	(?<=Policy number - )[-\w_\/\.]+?(?= Company name)	21/08/2024	(?<=anniversary of your policy is approaching on )[-\w_\/\. ,]+?(?= \.)	null	null	Business	(?<=time to renew your Hiscox )[-\w_\/\. ]+?(?= Insurance)	2024-02-05
hiscox-business-1	Hiscox Business Insurance - Policy number - EDHSQSZ6B Company name: Burgess Ltd It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : EDHSQSZ6B. Company name: Burgess Ltd. Your Hiscox Insurance premium. Last year’s annual premium: This year’s annual premium. £ 3,276.92. £ 3,276.92. The premium includes all applicable insurance premium tax (IPT). Dear Mrs Darren Johnston. Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 27/03/2024 . 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. £7,337.77. £7,337.77. Legal protection. £6,906.32. £6,906.32. Crisis containment. £4,621.12. Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy . Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government increase in Insurance Premium Tax as shown. Is our information correct? Your premium and cover are based on what you’ve told us about Burgess 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 27/03/2024 . 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 : EDHSQSZ6B Company name: Burgess Ltd . It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : EDHSQSZ6B Company name: Burgess Ltd . Your Hiscox Insurance premium Last year’s annual premium: This year’s annual premium The premium includes all applicable insurance premium tax (IPT). £ 3,276.92 £ 3,276.92 . Your Hiscox Insurance premium . Last year’s annual premium: This year’s annual premium £ 3,276.92 £ 3,276.92 . The premium includes all applicable insurance premium tax (IPT). Dear Mrs Darren Johnston . Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 27/03/2024 . 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 £7,337.77 £7,337.77 Legal protection £6,906.32 £6,906.32 Crisis containment £4,621.12 Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government increase in Insurance Premium Tax as shown. Is our information correct? Your premium and cover are based on what you’ve told us about Burgess 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 27/03/2024 . 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 27/03/2024 . 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 £7,337.77 £7,337.77 Legal protection £6,906.32 £6,906.32 Crisis containment £4,621.12 Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government increase in Insurance Premium Tax as shown. Is our information correct? Your premium and cover are based on what you’ve told us about Burgess 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 27/03/2024 . 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) £7,337.77 £6,906.32 £4,621.12 . This year’s annual Premium (exc IPT) £7,337.77 £6,906.32 . Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) . Professional indemnity £7,337.77 £7,337.77 . Legal protection £6,906.32 £6,906.32 . Crisis containment £4,621.12 . Kind regards Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre . Kind regards . Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave . To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre . Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Page / 1 Hiscox Business Insurance Policy wording 17431a - DC565 WORDING 04/17Guide to sectionsIntroduction Policy wordings General terms and conditions Professional indemnity for business management consultants Legal protection Crisis containment Hiscox Business Insurance Policy wording 17431a - DC565 WORDING 04/17IntroductionThank you for choosing Hiscox to protect your business. We hope that the language and layout of this policy wording are clear because we want you to understand the insurance we provide as well as the responsibilities we have to each other. Please read this document, including the policy schedule, policy summary and statement of fact, and let us know as soon as possible if any of the details are shown incorrectly. We always try to deliver to the highest standards of service. Your views are important to us, so if you feel that our service is below the standard you would expect from Hiscox, please contact us on the phone number shown in your policy schedule. Please note that some of the words we use in this insurance are shown in bold type. These words are defined in each section of the wording. Page / 1 Hiscox Insurance Payment schedule Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Thank you for continuing to pay for your policy by Direct Debit. Please 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 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 Sunday 19 December, 2021 £3,276.92 Where your chosen collection date falls ona non-working day then we will endeavour to collect the next working day. For your information, the collections will be made using the following reference number: Originator Identification Number: 293461 Reference Number: EDHSQSZ6B If you have any questions about your policy or payments, please call us on 0800 280 0351. We’re here between 8:30am - 5:30pm Monday to Friday or you can email us at service@hiscox.co.uk. Using your personal information Hiscox isa trading name ofa number of Hiscox companies. The specific company acting asa data controller of your personal information will be listed in the documentation we provide to you. If you are unsure you can also contact us at anytime by telephoning 01904 681198 or by emailing us at dataprotectionofficer@hiscox.com. We collect and process information about you in order to provide insurance policies and to process claims. Your information is also used for business purposes such as fraud prevention and detection and financial management. This may involve sharing your information with, and obtaining information about you from, our group companies and third parties such as brokers, loss adjusters, credit reference agencies, service providers, professional advisors, our regulators or fraud prevention agencies. We may record telephone calls to help us monitor and improve the service we provide. For further information on how your information is used and your rights in relation to your information please see our privacy policy at www.hiscox.co.uk/cookies-privacy. The Direct Debit Guarantee This Guarantee is offered by all banks and building societies that accept instructions to pay Direct Debits. If there are any changes to the amount, date or frequency of your Direct Debit Hiscox Underwriting Ltd will notify you ten working days in advance of your account being debited or as otherwise agreed. If you request Hiscox Underwriting Ltd to collect a payment, confirmation of the amount and date will be given to you at the time of the request. If an error is made in the payment of your Direct Debit by Hiscox Underwriting Ltd or your bank or building society you are entitled to a full and immediate refund of the amount paid from your bank or building society. – If you receive a refund you are not entitled to, you must pay it back when Hiscox Underwriting Ltd asks you to. You can cancel a Direct Debit at anytime by simply contacting your bank or building society. Written confirmation maybe required. Please also notify us. Page / 1 Hiscox Business Insurance Policy summary JAC-PSC-UK-DC556(5.4) 17431b 07/20 Your Hiscox Business Insurance policy summaries This document contains the summaries for any policy covers you have selected to protect your business. These summaries outline the key information about your policies so you can be confident that you have understood what you have bought and what you are covered for. However, you should carefully read your policy in full and ensure that you understand its terms and conditions in full. If you have any queries, you should contact Hiscox or your insurance advisor. Your side of the bargain Remember, your premium and insurance are based on the details you have provided to us. Please make sure this information accurately reflects your business and that you inform us immediately if anything needs to change. Please also tell us of any changes in circumstances that may affect the services provided by us or the cover provided by your policy. This is particularly important before taking out a policy, but it also applies throughout the life of the policy too. You need to consider: ■if you fail to fairly present the risk to us, including by failing to disclose any information material to the insurance, you could invalidate the policy, claims may not be paid or the amount we pay maybe reduced; ■you should read and check all insurance documents to ensure that you are aware of the cover, limits and other terms that apply; ■if you fail to let us know of any changes to your circumstances during the period of insurance or, if when telling us about such changes you fail to present the risk to us fairly, you could invalidate the policy, claims may not be paid or the amount we pay maybe reduced; ■please be aware of all terms and conditions of your policy because failure to comply with them could invalidate it or result in us not paying a claim or reducing the amount we pay; ■in the event ofa claim, you should take note of the required procedures, such as giving Hiscox prompt notice of the claims, as stated in the policy documentation. In particular, if you fail to notify us when you first become aware ofa shortcoming, fact, or problem, admit you are liable for what has happened or appoint solicitors or other legal representation without our prior written approval, claims or defence costs may not be paid or the amount we pay maybe reduced; ■as with any insurance, you have an obligation to take reasonable steps to mitigate any loss or liability; ■if you make a fraudulent claim or try to deceive us, we may terminate the policy. Policy length The period of insurance is shown on your policy schedule. Your policy schedule will also show if the policy is ona continuing cover basis. If itis ona continuing cover basis, we will renew your policy each year for another 12 months and continue to take payment (including any premium adjustment shown in your renewal invitation) using your existing arrangement, unless you tell us otherwise or if your risk changes. If your policy schedule does not show that the policy is ona continuing cover basis, cover will cease at the end of the period of insurance, unless you renew your policy with us. We will provide you witha statement of fact each year and provided that the information contained within the statement of fact is true, complete and accurate, you do not need to provide us with any further information. If any of the information in your statement of fact is not true, complete and accurate, you must let us know. If you do not let us know, it may affect the validity of the policy or our ability to pay a claim. Retroactive dates, geographical and jurisdiction limits Where any section of your policy schedule includes a retroactive date, we will not make any payment for any claim or loss under that section which arises from any activity performed or any act, incident or occurrence taking place, before the retroactive date. Where any section of your policy schedule shows the geographical limits which apply to that section of the policy, we will only pay for claims and losses under that section which arise from activities performed or acts, incidents or occurrences taking place within those geographical limits. Where any section provides cover in respect of your liability to third parties, we will only cover claims first made ina country within the applicable courts stated in that section of your policy schedule. Hiscox Business Insurance Policy summary JAC-PSC-UK-DC556(5.4) 17431b 07/20 Cancellation rights You can cancel this policy by giving us 30 days' notice. You will only be charged for the premiums due up to the date of cancellation. If we need to cancel the policy, we’ll give you 30 days’ notice in writing and refund any surplus premiums you might have paid. Please note – we may deduct an administration fee from any refunded payment.There is an exception to our 30-day notice period, which is triggered when we don’t receive your Direct Debit payments within the agreed 14-day period. At this point, we will contact you as soon as possible and stop the policyPage / 2 immediately. Underwritten by:Hiscox Underwriting Ltd on behalf of the insurers named in the schedule. Page / 1 Certificate of professional indemnity insurance Burgess 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:EDHSQSZ6B Name of policy holder:Burgess Ltd Period of insurance: From 27/03/2024 to Wednesday 22 May, 2019 both days inclusive. This policy isa Continuing cover policy Insurer: Hiscox Insurance Company Limited Retroactive date: 2025-10-29 Level of cover:£1,000,000 Signed on behalf of Hiscox Underwriting Limited as agent for the insurers Jon Dye CEO, Hiscox UK Notes: (a) This insurance is subject to policy terms and conditions and any special terms notified to the InsuredPage / 1 Hiscox Business Insurance Policy Schedule 14502 10/18 This schedule tells you what is insured with us. It should be read carefully with your policy wording(s) and statement of fact detailed elsewhere in this document. Schedule effective date: 27/03/2024 Insurance details Policy number: EDHSQSZ6B Period of insurance: From 27/03/2024 to Wednesday 22 May, 2019 both days inclusive. This policy isa Continuing cover policy. Insured: Burgess Ltd Address: 763 Connor lake Watsonside FARNHAM S4 2GH Additional insureds: None Business: Management Consultants Premium details Charged premium – the total amount you’ll pay for this policy. Charged premium: £8,488.43 Insurance Premium Tax (IPT): £1,262.41 Total charged premium: £3,276.92 Annualised premium – the annual premium for this policy. This is given for comparison purposes. Please refer to the charged premium section for the amount you’ll pay for the policy. Annual premium: £8,488.43 Insurance Premium Tax (IPT): £1,262.41 Annual total: £3,276.92 Please note that there will be no refund or additional premium for any transaction which is less than £20 (excluding IPT). Hiscox Business Insurance Policy Schedule 14502 10/18 Summary Claims information If you need to make a claim: - For claims relating to your building or contents please contact our claims team on 0800 247 1902, 9.00am – 5:30pm Monday to Friday. If you wish to make a claim online, you can log most claims quickly and easily through our claims notification portal at https://claims.hiscox.co.uk/. Outside of normal business hours, if you require emergency assistance in relation to substantial damage to your property, you can speak to our 24-hour emergency assistance team using the telephone number above. Your policy schedule will state if property cover is included in your policy. Our out-of-hours emergency assistance team operate ona pay-and-claim basis and you will need to have credit card details available as appropriate. The team will then be able to direct you to essential tradesmen, emergency loss adjusters or disaster management companies in the event of substantial damage. - If there isa claim (or potential claim) against you bya third party, please email us at liability.claims@hiscox.com. If you need to speak to a member of the claims team urgently, please call our team on 0800 711 7156, 9.00am – 5:30pm Monday to Friday. If you wish to make a claim online, you can log most claims quickly and easily through our claims notification portal at https://claims.hiscox.co.uk/. You will need to provide your full name and contact details, the name of your business or organisation, your address and postcode, the policy reference and circumstances of the claim. The Important information and contact details section below contains additional information specific to the covers applicable to your policy. If you are unsure of who to contact please call our team on 0800 711 7156, 9.00am – 5:30pm Monday to Friday. They will ensure you get through to the correct claims team and let you know what actions you need to take. If anything happens that might be covered under the policy, you must comply with the obligations set out in General claims conditions, together with the obligations set out under Your obligations in the section or sections under which you are making the claim. Itis important that you read the policy for details of its terms in full. Your covers This isa summary of each section of your policy. See each section for cover details. Cover Insurance amount Excess Annual Premium (exc IPT) Professional indemnity £1,000,000 £1,000 £7,337.77 Legal protection £100,000 £0 £6,906.32 Crisis containment £25,000 - £4,621.12 The figures above are in summary only and are not in addition to the amount insured specified against each cover section below. Hiscox Business Insurance Policy Schedule 14502 10/18 SECTION: PROFESSIONAL INDEMNITY – MANAGEMENT CONSULTANTS Cover start date: 27/03/2024 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 dataPage / 2 claims £250,000 in the aggregate, including all costs Business activities Business management consultant Retroactive date 2025-10-29 Insurer Hiscox Insurance Company LimitedPage / 1 Hiscox Insurance Summary of change Introduction This document has been created to help you understand the key changes to your Hiscox Insurance policy and how they may impact you. Your policy continues to offer professional, tailored insurance to protect you and give you peace of mind that if you need us, you will be supported by our award winning claims team. If you have a query not covered by this document, or if you have any questions or concerns about your policy you should contact us. Frequently asked questions What if my circumstances change during the period of insurance? If your circumstances change during the period of insurance, you only need to let us know if the change means that any of the information in the Statement of Fact is no longer true, complete and accurate. If there are no such changes, you do not need to let us know. If any of the information within the Statement of Fact becomes no longer complete, true or accurate at any point during the period of insurance you must tell us as it may affect the validity of the policy or our ability to pay a claim. Additionally, if your contact details change then you should let us know straightaway. Where doI find the limits that apply to my policy? You can find your maximum allowable limits for turnover and wage rollin your Statement of Fact. You must check this information and tell us or your broker if you expect to exceed the maximum amounts shown. Please note these values may have changed. If there are special limits or special excesses applying to particular covers or types of losses these will be shown in the policy schedule. Please check your policy schedule carefully as they may have changed. My new schedule shows a different premium to last year? What has changed? If an underwriter has reviewed your policy then they may have manually adjusted your premium, for example if you’ve had claims in the last 12 months. Where doI find out about any endorsements on my policy? You will be able to see if an endorsement has been applied or removed by reviewing your Policy Schedule. If you have any queries or concerns, please contact us or your broker if you have one. Hiscox Insurance Summary of change Professional indemnity for business management consultants Summary of change Changes to the cover The following table shows the differences between our new policy wordings (5570 WD- PROF-UK-MAN(7), 15579 WD-PROF-UK-MAN-AG(3)) and our previous wordings (5570 WD-PROF-UK-MAN(6), 15579 WD-PROF-UK-MAN-AG(2)). This isa summary of the changes only. You should refer to the schedule and policy wording for the full description of the cover in place. Area of cover Previous policy New policy Improvement in cover Claims against you Advertising claims. We will pay claims arising from your advertising or branding for defamation or infringement of copyright or moral rights. This does not include claims for passing off, unauthorised use of trademarks or false or misleading advertising. Previously cover was not restricted to defamation or the infringement of copyright or moral rights.Covered Amended Your own lossesChanges to ‘what is covered’ Losses from dishonesty. Your losses arising from the dishonesty of your employees, sub-contractors or outsourcers.Covered Not covered Area of cover Previous policy New policy Improvement in cover Cyber incident. We will not pay claims relating to an actual or possible cyber attack, hacker or social engineering communication. Previously we excluded any virus not specifically targeted at your system.Covered Not covered Computer or digital technology error. We will not pay claims arising from any negligent act, error or omission in the operation or maintenance of computer or digital technology such as development, installation, patching or upgrading.Covered Not coveredChanges to ‘what is not covered’ Infrastructure. We will not pay claims arising from the failure of the service provided by internet, telecommunications, utilities or other infrastructure providers.Covered Not covered Hiscox Insurance Summary of change Personal data. We will not pay claims relating to personal data. We will pay such claims where they arise from your performance ofa business activity and which is not otherwise excluded. Subject to the limit shown in the schedule.Covered Not covered Other important changes Control of defence. Under the previous wording we had a duty to defend you against any covered claim brought against you. We now have the right but not the obligation to take control of the conduct of the claim including the appointment of legal representation. Please refer to the policy wording for full details. SOC-PROF-UK-MAN(1) 21367 01/21	EDHSQSZ6B	(?<=Policy number - )[-\w_\/\.]+?(?= Company name)	27/03/2024	(?<=anniversary of your policy is approaching on )[-\w_\/\. ,]+?(?= \.)	null	null	Business	(?<=time to renew your Hiscox )[-\w_\/\. ]+?(?= Insurance)	2024-02-05
hiscox-business-1	Hiscox Business Insurance - Policy number - 6/0XCMD8RO7-KSC Company name: Gordon and Sons It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : 6/0XCMD8RO7-KSC. Company name: Gordon and Sons. Your Hiscox Insurance premium. Last year’s annual premium: This year’s annual premium. £ 6,506.32. £ 6,506.32. The premium includes all applicable insurance premium tax (IPT). Dear Dr Maureen Davis. Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 2025-09-16 . Good news; if you want cover to continue with us and to make sure you stay protected by our award-winning cover, you do not need to do anything. We will update your policy onto our latest wording and continue to collect payment using the payment details we have for you. You must read the important information contained in this email and the attached documents. Your Hiscox Insurance Premium breakdown. The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). The amount shown as last year’s Annual premium will take into account any changes to the cover which may have been made during the last policy period. Cover. Last year’s annual premium (exc IPT). This year’s annual Premium (exc IPT). Professional indemnity. £4,571.62. £4,571.62. Legal protection. £1,413.45. £1,413.45. Crisis containment. £8,686.46. Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy . Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government increase in Insurance Premium Tax as shown. Is our information correct? Your premium and cover are based on what you’ve told us about Gordon and Sons , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay. . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover. Policy summary for each cover. ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover . As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before 2025-09-16 . We’re here between 8:30am - 5:30pm Monday to Friday . Please note that we can only discuss policy changes with people named on the policy. Why renew with Hiscox. - Reassuring: we offer a range of cover options that can be tailored to your needs. - Flexible: we offer full flexibility to change your policy, with no administration fees . - Award-winning cover : we’ve been named Best Small Business Insurer 7 years running by Start Your Business Magazine . Please click this link for the Hiscox Referral Portal: https://refer.aklamio.com/hiscox/uk?source=postpurchase. Thank you again for choosing Hiscox to insure your business. We hope you and your business have a very successful year. Kind regards. Jon Dye. CEO, Hiscox UK. Business Insurance for the small and the brave. To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre. Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. This email and any files transmitted with it are confidential and intended solely for the use of the individual or entity to whom they are addressed. No one else is authorised to distribute, forward, print, copy or act upon any information contained in this email. If you have received this email in error, please notify the sender. Hiscox Syndicates Limited and Hiscox Insurance Company Limited are authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Hiscox Underwriting Limited, Hiscox Underwriting Services Ltd, Hiscox MGA Ltd and Hiscox ASM Ltd are authorised and regulated by the Financial Conduct Authority. Hiscox Assure SAS is duly registered as an insurance broker with the ORIAS, which is the French Official Registry of Insurance Intermediaries. Hiscox plc is a company registered in England and Wales under company registration number 2837811 and registered office at 1 Great St Helen's, London EC3A 6HX. Hiscox SA is a company registered in Luxembourg at 35 Avenue John F. Kennedy 35F, Luxembourg L-1855, and is authorised by the Commissariat aux Assurances de Luxembourg. It’s time to renew your Hiscox Business Insurance Hiscox Insurance policy number : 6/0XCMD8RO7-KSC Company name: Gordon and Sons . It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : 6/0XCMD8RO7-KSC Company name: Gordon 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). £ 6,506.32 £ 6,506.32 . Your Hiscox Insurance premium . Last year’s annual premium: This year’s annual premium £ 6,506.32 £ 6,506.32 . The premium includes all applicable insurance premium tax (IPT). Dear Dr Maureen Davis . Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 2025-09-16 . Good news; if you want cover to continue with us and to make sure you stay protected by our award-winning cover, you do not need to do anything. We will update your policy onto our latest wording and continue to collect payment using the payment details we have for you. You must read the important information contained in this email and the attached documents Your Hiscox Insurance Premium breakdown The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). The amount shown as last year’s Annual premium will take into account any changes to the cover which may have been made during the last policy period. Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) Professional indemnity £4,571.62 £4,571.62 Legal protection £1,413.45 £1,413.45 Crisis containment £8,686.46 Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government increase in Insurance Premium Tax as shown. Is our information correct? Your premium and cover are based on what you’ve told us about Gordon and Sons , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover Policy summary for each cover ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before 2025-09-16 . We’re here between 8:30am - 5:30pm Monday to Friday . Please note that we can only discuss policy changes with people named on the policy. Why renew with Hiscox - Reassuring: we offer a range of cover options that can be tailored to your needs - Flexible: we offer full flexibility to change your policy, with no administration fees - Award-winning cover : we’ve been named Best Small Business Insurer 7 years running by Start Your Business Magazine Please click this link for the Hiscox Referral Portal: https://refer.aklamio.com/hiscox/uk?source=postpurchase Thank you again for choosing Hiscox to insure your business. We hope you and your business have a very successful year. Kind regards Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 2025-09-16 . Good news; if you want cover to continue with us and to make sure you stay protected by our award-winning cover, you do not need to do anything. We will update your policy onto our latest wording and continue to collect payment using the payment details we have for you. You must read the important information contained in this email and the attached documents Your Hiscox Insurance Premium breakdown The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). The amount shown as last year’s Annual premium will take into account any changes to the cover which may have been made during the last policy period. Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) Professional indemnity £4,571.62 £4,571.62 Legal protection £1,413.45 £1,413.45 Crisis containment £8,686.46 Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government increase in Insurance Premium Tax as shown. Is our information correct? Your premium and cover are based on what you’ve told us about Gordon and Sons , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover Policy summary for each cover ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before 2025-09-16 . We’re here between 8:30am - 5:30pm Monday to Friday . Please note that we can only discuss policy changes with people named on the policy. Why renew with Hiscox - Reassuring: we offer a range of cover options that can be tailored to your needs - Flexible: we offer full flexibility to change your policy, with no administration fees - Award-winning cover : we’ve been named Best Small Business Insurer 7 years running by Start Your Business Magazine Please click this link for the Hiscox Referral Portal: https://refer.aklamio.com/hiscox/uk?source=postpurchase Thank you again for choosing Hiscox to insure your business. We hope you and your business have a very successful year. Kind regards Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Your Hiscox Insurance Premium breakdown The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). Cover Professional indemnity Legal protection Crisis containment . Last year’s annual premium (exc IPT) £4,571.62 £1,413.45 £8,686.46 . This year’s annual Premium (exc IPT) £4,571.62 £1,413.45 . Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) . Professional indemnity £4,571.62 £4,571.62 . Legal protection £1,413.45 £1,413.45 . Crisis containment £8,686.46 . Kind regards Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre . Kind regards . Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave . To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre . Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Page / 1 Hiscox Business Insurance Policy wording 17431a - DC565 WORDING 04/17Guide to sectionsIntroduction Policy wordings General terms and conditions Professional indemnity for business management consultants Legal protection Crisis containment Hiscox Business Insurance Policy wording 17431a - DC565 WORDING 04/17IntroductionThank you for choosing Hiscox to protect your business. We hope that the language and layout of this policy wording are clear because we want you to understand the insurance we provide as well as the responsibilities we have to each other. Please read this document, including the policy schedule, policy summary and statement of fact, and let us know as soon as possible if any of the details are shown incorrectly. We always try to deliver to the highest standards of service. Your views are important to us, so if you feel that our service is below the standard you would expect from Hiscox, please contact us on the phone number shown in your policy schedule. Please note that some of the words we use in this insurance are shown in bold type. These words are defined in each section of the wording. Page / 1 Hiscox Insurance Payment schedule Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Thank you for continuing to pay for your policy by Direct Debit. Please 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 Davis Frequency of collection: Annual Sort code: %BANK_SORT_CODE_1% Account number: %BANK_ACCOUNT_NUMBER_1% Your Direct Debit schedule We will take payments on the dates outlined below: Date Amount 2020-05-24 £6,506.32 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: 6/0XCMD8RO7-KSC If you have any questions about your policy or payments, please call us on 0800 280 0351. We’re here between 8:30am - 5:30pm Monday to Friday or you can email us at service@hiscox.co.uk. Using your personal information Hiscox isa trading name ofa number of Hiscox companies. The specific company acting asa data controller of your personal information will be listed in the documentation we provide to you. If you are unsure you can also contact us at anytime by telephoning 01904 681198 or by emailing us at dataprotectionofficer@hiscox.com. We collect and process information about you in order to provide insurance policies and to process claims. Your information is also used for business purposes such as fraud prevention and detection and financial management. This may involve sharing your information with, and obtaining information about you from, our group companies and third parties such as brokers, loss adjusters, credit reference agencies, service providers, professional advisors, our regulators or fraud prevention agencies. We may record telephone calls to help us monitor and improve the service we provide. For further information on how your information is used and your rights in relation to your information please see our privacy policy at www.hiscox.co.uk/cookies-privacy. The Direct Debit Guarantee This Guarantee is offered by all banks and building societies that accept instructions to pay Direct Debits. If there are any changes to the amount, date or frequency of your Direct Debit Hiscox Underwriting Ltd will notify you ten working days in advance of your account being debited or as otherwise agreed. If you request Hiscox Underwriting Ltd to collect a payment, confirmation of the amount and date will be given to you at the time of the request. If an error is made in the payment of your Direct Debit by Hiscox Underwriting Ltd or your bank or building society you are entitled to a full and immediate refund of the amount paid from your bank or building society. – If you receive a refund you are not entitled to, you must pay it back when Hiscox Underwriting Ltd asks you to. You can cancel a Direct Debit at anytime by simply contacting your bank or building society. Written confirmation maybe required. Please also notify us. Page / 1 Hiscox Business Insurance Policy summary JAC-PSC-UK-DC556(5.4) 17431b 07/20 Your Hiscox Business Insurance policy summaries This document contains the summaries for any policy covers you have selected to protect your business. These summaries outline the key information about your policies so you can be confident that you have understood what you have bought and what you are covered for. However, you should carefully read your policy in full and ensure that you understand its terms and conditions in full. If you have any queries, you should contact Hiscox or your insurance advisor. Your side of the bargain Remember, your premium and insurance are based on the details you have provided to us. Please make sure this information accurately reflects your business and that you inform us immediately if anything needs to change. Please also tell us of any changes in circumstances that may affect the services provided by us or the cover provided by your policy. This is particularly important before taking out a policy, but it also applies throughout the life of the policy too. You need to consider: ■if you fail to fairly present the risk to us, including by failing to disclose any information material to the insurance, you could invalidate the policy, claims may not be paid or the amount we pay maybe reduced; ■you should read and check all insurance documents to ensure that you are aware of the cover, limits and other terms that apply; ■if you fail to let us know of any changes to your circumstances during the period of insurance or, if when telling us about such changes you fail to present the risk to us fairly, you could invalidate the policy, claims may not be paid or the amount we pay maybe reduced; ■please be aware of all terms and conditions of your policy because failure to comply with them could invalidate it or result in us not paying a claim or reducing the amount we pay; ■in the event ofa claim, you should take note of the required procedures, such as giving Hiscox prompt notice of the claims, as stated in the policy documentation. In particular, if you fail to notify us when you first become aware ofa shortcoming, fact, or problem, admit you are liable for what has happened or appoint solicitors or other legal representation without our prior written approval, claims or defence costs may not be paid or the amount we pay maybe reduced; ■as with any insurance, you have an obligation to take reasonable steps to mitigate any loss or liability; ■if you make a fraudulent claim or try to deceive us, we may terminate the policy. Policy length The period of insurance is shown on your policy schedule. Your policy schedule will also show if the policy is ona continuing cover basis. If itis ona continuing cover basis, we will renew your policy each year for another 12 months and continue to take payment (including any premium adjustment shown in your renewal invitation) using your existing arrangement, unless you tell us otherwise or if your risk changes. If your policy schedule does not show that the policy is ona continuing cover basis, cover will cease at the end of the period of insurance, unless you renew your policy with us. We will provide you witha statement of fact each year and provided that the information contained within the statement of fact is true, complete and accurate, you do not need to provide us with any further information. If any of the information in your statement of fact is not true, complete and accurate, you must let us know. If you do not let us know, it may affect the validity of the policy or our ability to pay a claim. Retroactive dates, geographical and jurisdiction limits Where any section of your policy schedule includes a retroactive date, we will not make any payment for any claim or loss under that section which arises from any activity performed or any act, incident or occurrence taking place, before the retroactive date. Where any section of your policy schedule shows the geographical limits which apply to that section of the policy, we will only pay for claims and losses under that section which arise from activities performed or acts, incidents or occurrences taking place within those geographical limits. Where any section provides cover in respect of your liability to third parties, we will only cover claims first made ina country within the applicable courts stated in that section of your policy schedule. Hiscox Business Insurance Policy summary JAC-PSC-UK-DC556(5.4) 17431b 07/20 Cancellation rights You can cancel this policy by giving us 30 days' notice. You will only be charged for the premiums due up to the date of cancellation. If we need to cancel the policy, we’ll give you 30 days’ notice in writing and refund any surplus premiums you might have paid. Please note – we may deduct an administration fee from any refunded payment.There is an exception to our 30-day notice period, which is triggered when we don’t receive your Direct Debit payments within the agreed 14-day period. At this point, we will contact you as soon as possible and stop the policyPage / 2 immediately. Underwritten by:Hiscox Underwriting Ltd on behalf of the insurers named in the schedule. Page / 1 Certificate of professional indemnity insurance Gordon 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:6/0XCMD8RO7-KSC Name of policy holder:Gordon and Sons Period of insurance: From 2025-09-16 to Tue 03 December, 2019 both days inclusive. This policy isa Continuing cover policy Insurer: Hiscox Insurance Company Limited Retroactive date: 2022-02-18 Level of cover:£1,000,000 Signed on behalf of Hiscox Underwriting Limited as agent for the insurers Jon Dye CEO, Hiscox UK Notes: (a) This insurance is subject to policy terms and conditions and any special terms notified to the InsuredPage / 1 Hiscox Business Insurance Policy Schedule 14502 10/18 This schedule tells you what is insured with us. It should be read carefully with your policy wording(s) and statement of fact detailed elsewhere in this document. Schedule effective date: 2025-09-16 Insurance details Policy number: 6/0XCMD8RO7-KSC Period of insurance: From 2025-09-16 to Tue 03 December, 2019 both days inclusive. This policy isa Continuing cover policy. Insured: Gordon and Sons Address: 02 Alex parkways North Mary FARNHAM EH26 6TR Additional insureds: None Business: Management Consultants Premium details Charged premium – the total amount you’ll pay for this policy. Charged premium: £6,430.65 Insurance Premium Tax (IPT): £1,507.12 Total charged premium: £6,506.32 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: £6,430.65 Insurance Premium Tax (IPT): £1,507.12 Annual total: £6,506.32 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 £4,571.62 Legal protection £100,000 £0 £1,413.45 Crisis containment £25,000 - £8,686.46 The figures above are in summary only and are not in addition to the amount insured specified against each cover section below. Hiscox Business Insurance Policy Schedule 14502 10/18 SECTION: PROFESSIONAL INDEMNITY – MANAGEMENT CONSULTANTS Cover start date: 2025-09-16 Limit of indemnity £1,000,000 Limit applies to in the aggregate, including all costs Excess £1,000 Excess applies to each and every claim or loss, including all costs Geographical limits Worldwide Applicable courts Worldwide (excluding United States of America and Canada) Claims brought in USA or Canada Not covered Additional covers (in addition to overall limit of indemnity stated above) Cover Limit of indemnity Limit applies to Court attendance compensation - employees £250 per person, per day Court attendance compensation - directors and partners£500 per person, per day Court attendance compensation: in total £100,000 in the aggregate Special limits (included within not in addition to the overall limit of indemnity stated above) Cover Limit of indemnity Limit applies to Personal dataPage / 2 claims £250,000 in the aggregate, including all costs Business activities Business management consultant Retroactive date 2022-02-18 Insurer Hiscox Insurance Company LimitedPage / 1 Hiscox Insurance Summary of change Introduction This document has been created to help you understand the key changes to your Hiscox Insurance policy and how they may impact you. Your policy continues to offer professional, tailored insurance to protect you and give you peace of mind that if you need us, you will be supported by our award winning claims team. If you have a query not covered by this document, or if you have any questions or concerns about your policy you should contact us. Frequently asked questions What if my circumstances change during the period of insurance? If your circumstances change during the period of insurance, you only need to let us know if the change means that any of the information in the Statement of Fact is no longer true, complete and accurate. If there are no such changes, you do not need to let us know. If any of the information within the Statement of Fact becomes no longer complete, true or accurate at any point during the period of insurance you must tell us as it may affect the validity of the policy or our ability to pay a claim. Additionally, if your contact details change then you should let us know straightaway. Where doI find the limits that apply to my policy? You can find your maximum allowable limits for turnover and wage rollin your Statement of Fact. You must check this information and tell us or your broker if you expect to exceed the maximum amounts shown. Please note these values may have changed. If there are special limits or special excesses applying to particular covers or types of losses these will be shown in the policy schedule. Please check your policy schedule carefully as they may have changed. My new schedule shows a different premium to last year? What has changed? If an underwriter has reviewed your policy then they may have manually adjusted your premium, for example if you’ve had claims in the last 12 months. Where doI find out about any endorsements on my policy? You will be able to see if an endorsement has been applied or removed by reviewing your Policy Schedule. If you have any queries or concerns, please contact us or your broker if you have one. Hiscox Insurance Summary of change Professional indemnity for business management consultants Summary of change Changes to the cover The following table shows the differences between our new policy wordings (5570 WD- PROF-UK-MAN(7), 15579 WD-PROF-UK-MAN-AG(3)) and our previous wordings (5570 WD-PROF-UK-MAN(6), 15579 WD-PROF-UK-MAN-AG(2)). This isa summary of the changes only. You should refer to the schedule and policy wording for the full description of the cover in place. Area of cover Previous policy New policy Improvement in cover Claims against you Advertising claims. We will pay claims arising from your advertising or branding for defamation or infringement of copyright or moral rights. This does not include claims for passing off, unauthorised use of trademarks or false or misleading advertising. Previously cover was not restricted to defamation or the infringement of copyright or moral rights.Covered Amended Your own lossesChanges to ‘what is covered’ Losses from dishonesty. Your losses arising from the dishonesty of your employees, sub-contractors or outsourcers.Covered Not covered Area of cover Previous policy New policy Improvement in cover Cyber incident. We will not pay claims relating to an actual or possible cyber attack, hacker or social engineering communication. Previously we excluded any virus not specifically targeted at your system.Covered Not covered Computer or digital technology error. We will not pay claims arising from any negligent act, error or omission in the operation or maintenance of computer or digital technology such as development, installation, patching or upgrading.Covered Not coveredChanges to ‘what is not covered’ Infrastructure. We will not pay claims arising from the failure of the service provided by internet, telecommunications, utilities or other infrastructure providers.Covered Not covered Hiscox Insurance Summary of change Personal data. We will not pay claims relating to personal data. We will pay such claims where they arise from your performance ofa business activity and which is not otherwise excluded. Subject to the limit shown in the schedule.Covered Not covered Other important changes Control of defence. Under the previous wording we had a duty to defend you against any covered claim brought against you. We now have the right but not the obligation to take control of the conduct of the claim including the appointment of legal representation. Please refer to the policy wording for full details. SOC-PROF-UK-MAN(1) 21367 01/21	6/0XCMD8RO7-KSC	(?<=Policy number - )[-\w_\/\.]+?(?= Company name)	2025-09-16	(?<=anniversary of your policy is approaching on )[-\w_\/\. ,]+?(?= \.)	null	null	Business	(?<=time to renew your Hiscox )[-\w_\/\. ]+?(?= Insurance)	2024-02-05
hiscox-business-1	Hiscox Business Insurance - Policy number - 3-56Y9ANP/CIMH Company name: Williamson Group It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : 3-56Y9ANP/CIMH. Company name: Williamson Group. Your Hiscox Insurance premium. Last year’s annual premium: This year’s annual premium. £ 3,829.03. £ 3,829.03. The premium includes all applicable insurance premium tax (IPT). Dear Dr John Oliver. Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on Thu 26 December, 2024 . Good news; if you want cover to continue with us and to make sure you stay protected by our award-winning cover, you do not need to do anything. We will update your policy onto our latest wording and continue to collect payment using the payment details we have for you. You must read the important information contained in this email and the attached documents. Your Hiscox Insurance Premium breakdown. The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). The amount shown as last year’s Annual premium will take into account any changes to the cover which may have been made during the last policy period. Cover. Last year’s annual premium (exc IPT). This year’s annual Premium (exc IPT). Professional indemnity. £3,932.52. £3,932.52. Legal protection. £2,610.26. £2,610.26. Crisis containment. £9,402.57. Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy . Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government increase in Insurance Premium Tax as shown. Is our information correct? Your premium and cover are based on what you’ve told us about Williamson Group , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay. . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover. Policy summary for each cover. ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover . As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before Thu 26 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 : 3-56Y9ANP/CIMH Company name: Williamson Group . It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : 3-56Y9ANP/CIMH Company name: Williamson Group . Your Hiscox Insurance premium Last year’s annual premium: This year’s annual premium The premium includes all applicable insurance premium tax (IPT). £ 3,829.03 £ 3,829.03 . Your Hiscox Insurance premium . Last year’s annual premium: This year’s annual premium £ 3,829.03 £ 3,829.03 . The premium includes all applicable insurance premium tax (IPT). Dear Dr John Oliver . Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on Thu 26 December, 2024 . Good news; if you want cover to continue with us and to make sure you stay protected by our award-winning cover, you do not need to do anything. We will update your policy onto our latest wording and continue to collect payment using the payment details we have for you. You must read the important information contained in this email and the attached documents Your Hiscox Insurance Premium breakdown The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). The amount shown as last year’s Annual premium will take into account any changes to the cover which may have been made during the last policy period. Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) Professional indemnity £3,932.52 £3,932.52 Legal protection £2,610.26 £2,610.26 Crisis containment £9,402.57 Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government increase in Insurance Premium Tax as shown. Is our information correct? Your premium and cover are based on what you’ve told us about Williamson Group , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover Policy summary for each cover ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before Thu 26 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 Thu 26 December, 2024 . Good news; if you want cover to continue with us and to make sure you stay protected by our award-winning cover, you do not need to do anything. We will update your policy onto our latest wording and continue to collect payment using the payment details we have for you. You must read the important information contained in this email and the attached documents Your Hiscox Insurance Premium breakdown The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). The amount shown as last year’s Annual premium will take into account any changes to the cover which may have been made during the last policy period. Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) Professional indemnity £3,932.52 £3,932.52 Legal protection £2,610.26 £2,610.26 Crisis containment £9,402.57 Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government increase in Insurance Premium Tax as shown. Is our information correct? Your premium and cover are based on what you’ve told us about Williamson Group , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover Policy summary for each cover ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before Thu 26 December, 2024 . We’re here between 8:30am - 5:30pm Monday to Friday . Please note that we can only discuss policy changes with people named on the policy. Why renew with Hiscox - Reassuring: we offer a range of cover options that can be tailored to your needs - Flexible: we offer full flexibility to change your policy, with no administration fees - Award-winning cover : we’ve been named Best Small Business Insurer 7 years running by Start Your Business Magazine Please click this link for the Hiscox Referral Portal: https://refer.aklamio.com/hiscox/uk?source=postpurchase Thank you again for choosing Hiscox to insure your business. We hope you and your business have a very successful year. Kind regards Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Your Hiscox Insurance Premium breakdown The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). Cover Professional indemnity Legal protection Crisis containment . Last year’s annual premium (exc IPT) £3,932.52 £2,610.26 £9,402.57 . This year’s annual Premium (exc IPT) £3,932.52 £2,610.26 . Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) . Professional indemnity £3,932.52 £3,932.52 . Legal protection £2,610.26 £2,610.26 . Crisis containment £9,402.57 . Kind regards Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre . Kind regards . Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave . To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre . Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Page / 1 Hiscox Business Insurance Policy wording 17431a - DC565 WORDING 04/17Guide to sectionsIntroduction Policy wordings General terms and conditions Professional indemnity for business management consultants Legal protection Crisis containment Hiscox Business Insurance Policy wording 17431a - DC565 WORDING 04/17IntroductionThank you for choosing Hiscox to protect your business. We hope that the language and layout of this policy wording are clear because we want you to understand the insurance we provide as well as the responsibilities we have to each other. Please read this document, including the policy schedule, policy summary and statement of fact, and let us know as soon as possible if any of the details are shown incorrectly. We always try to deliver to the highest standards of service. Your views are important to us, so if you feel that our service is below the standard you would expect from Hiscox, please contact us on the phone number shown in your policy schedule. Please note that some of the words we use in this insurance are shown in bold type. These words are defined in each section of the wording. Page / 1 Hiscox Insurance Payment schedule Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Thank you for continuing to pay for your policy by Direct Debit. Please check these details and let us know if anything is incorrect or if the schedule is not suitable. Your reference details Account holder name: John Oliver Frequency of collection: Annual Sort code: %BANK_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 07 January, 2026 £3,829.03 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: 3-56Y9ANP/CIMH If you have any questions about your policy or payments, please call us on 0800 280 0351. We’re here between 8:30am - 5:30pm Monday to Friday or you can email us at service@hiscox.co.uk. Using your personal information Hiscox isa trading name ofa number of Hiscox companies. The specific company acting asa data controller of your personal information will be listed in the documentation we provide to you. If you are unsure you can also contact us at anytime by telephoning 01904 681198 or by emailing us at dataprotectionofficer@hiscox.com. We collect and process information about you in order to provide insurance policies and to process claims. Your information is also used for business purposes such as fraud prevention and detection and financial management. This may involve sharing your information with, and obtaining information about you from, our group companies and third parties such as brokers, loss adjusters, credit reference agencies, service providers, professional advisors, our regulators or fraud prevention agencies. We may record telephone calls to help us monitor and improve the service we provide. For further information on how your information is used and your rights in relation to your information please see our privacy policy at www.hiscox.co.uk/cookies-privacy. The Direct Debit Guarantee This Guarantee is offered by all banks and building societies that accept instructions to pay Direct Debits. If there are any changes to the amount, date or frequency of your Direct Debit Hiscox Underwriting Ltd will notify you ten working days in advance of your account being debited or as otherwise agreed. If you request Hiscox Underwriting Ltd to collect a payment, confirmation of the amount and date will be given to you at the time of the request. If an error is made in the payment of your Direct Debit by Hiscox Underwriting Ltd or your bank or building society you are entitled to a full and immediate refund of the amount paid from your bank or building society. – If you receive a refund you are not entitled to, you must pay it back when Hiscox Underwriting Ltd asks you to. You can cancel a Direct Debit at anytime by simply contacting your bank or building society. Written confirmation maybe required. Please also notify us. Page / 1 Hiscox Business Insurance Policy summary JAC-PSC-UK-DC556(5.4) 17431b 07/20 Your Hiscox Business Insurance policy summaries This document contains the summaries for any policy covers you have selected to protect your business. These summaries outline the key information about your policies so you can be confident that you have understood what you have bought and what you are covered for. However, you should carefully read your policy in full and ensure that you understand its terms and conditions in full. If you have any queries, you should contact Hiscox or your insurance advisor. Your side of the bargain Remember, your premium and insurance are based on the details you have provided to us. Please make sure this information accurately reflects your business and that you inform us immediately if anything needs to change. Please also tell us of any changes in circumstances that may affect the services provided by us or the cover provided by your policy. This is particularly important before taking out a policy, but it also applies throughout the life of the policy too. You need to consider: ■if you fail to fairly present the risk to us, including by failing to disclose any information material to the insurance, you could invalidate the policy, claims may not be paid or the amount we pay maybe reduced; ■you should read and check all insurance documents to ensure that you are aware of the cover, limits and other terms that apply; ■if you fail to let us know of any changes to your circumstances during the period of insurance or, if when telling us about such changes you fail to present the risk to us fairly, you could invalidate the policy, claims may not be paid or the amount we pay maybe reduced; ■please be aware of all terms and conditions of your policy because failure to comply with them could invalidate it or result in us not paying a claim or reducing the amount we pay; ■in the event ofa claim, you should take note of the required procedures, such as giving Hiscox prompt notice of the claims, as stated in the policy documentation. In particular, if you fail to notify us when you first become aware ofa shortcoming, fact, or problem, admit you are liable for what has happened or appoint solicitors or other legal representation without our prior written approval, claims or defence costs may not be paid or the amount we pay maybe reduced; ■as with any insurance, you have an obligation to take reasonable steps to mitigate any loss or liability; ■if you make a fraudulent claim or try to deceive us, we may terminate the policy. Policy length The period of insurance is shown on your policy schedule. Your policy schedule will also show if the policy is ona continuing cover basis. If itis ona continuing cover basis, we will renew your policy each year for another 12 months and continue to take payment (including any premium adjustment shown in your renewal invitation) using your existing arrangement, unless you tell us otherwise or if your risk changes. If your policy schedule does not show that the policy is ona continuing cover basis, cover will cease at the end of the period of insurance, unless you renew your policy with us. We will provide you witha statement of fact each year and provided that the information contained within the statement of fact is true, complete and accurate, you do not need to provide us with any further information. If any of the information in your statement of fact is not true, complete and accurate, you must let us know. If you do not let us know, it may affect the validity of the policy or our ability to pay a claim. Retroactive dates, geographical and jurisdiction limits Where any section of your policy schedule includes a retroactive date, we will not make any payment for any claim or loss under that section which arises from any activity performed or any act, incident or occurrence taking place, before the retroactive date. Where any section of your policy schedule shows the geographical limits which apply to that section of the policy, we will only pay for claims and losses under that section which arise from activities performed or acts, incidents or occurrences taking place within those geographical limits. Where any section provides cover in respect of your liability to third parties, we will only cover claims first made ina country within the applicable courts stated in that section of your policy schedule. Hiscox Business Insurance Policy summary JAC-PSC-UK-DC556(5.4) 17431b 07/20 Cancellation rights You can cancel this policy by giving us 30 days' notice. You will only be charged for the premiums due up to the date of cancellation. If we need to cancel the policy, we’ll give you 30 days’ notice in writing and refund any surplus premiums you might have paid. Please note – we may deduct an administration fee from any refunded payment.There is an exception to our 30-day notice period, which is triggered when we don’t receive your Direct Debit payments within the agreed 14-day period. At this point, we will contact you as soon as possible and stop the policyPage / 2 immediately. Underwritten by:Hiscox Underwriting Ltd on behalf of the insurers named in the schedule. Page / 1 Certificate of professional indemnity insurance Williamson 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:3-56Y9ANP/CIMH Name of policy holder:Williamson Group Period of insurance: From Thu 26 December, 2024 to 31/03/22 both days inclusive. This policy isa Continuing cover policy Insurer: Hiscox Insurance Company Limited Retroactive date: Sun 21 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: Thu 26 December, 2024 Insurance details Policy number: 3-56Y9ANP/CIMH Period of insurance: From Thu 26 December, 2024 to 31/03/22 both days inclusive. This policy isa Continuing cover policy. Insured: Williamson Group Address: Flat 82M Frank haven North Leslieport FARNHAM SW69 1BH Additional insureds: None Business: Management Consultants Premium details Charged premium – the total amount you’ll pay for this policy. Charged premium: £1,031.92 Insurance Premium Tax (IPT): £2,430.88 Total charged premium: £3,829.03 Annualised premium – the annual premium for this policy. This is given for comparison purposes. Please refer to the charged premium section for the amount you’ll pay for the policy. Annual premium: £1,031.92 Insurance Premium Tax (IPT): £2,430.88 Annual total: £3,829.03 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 £3,932.52 Legal protection £100,000 £0 £2,610.26 Crisis containment £25,000 - £9,402.57 The figures above are in summary only and are not in addition to the 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 26 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 dataPage / 2 claims £250,000 in the aggregate, including all costs Business activities Business management consultant Retroactive date Sun 21 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	3-56Y9ANP/CIMH	(?<=Policy number - )[-\w_\/\.]+?(?= Company name)	Thu 26 December, 2024	(?<=anniversary of your policy is approaching on )[-\w_\/\. ,]+?(?= \.)	null	null	Business	(?<=time to renew your Hiscox )[-\w_\/\. ]+?(?= Insurance)	2024-02-05
hiscox-business-1	Hiscox Business Insurance - Policy number - 5_VZXSN./KRX/NYFLKZB05U2 Company name: Campbell Group It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : 5_VZXSN./KRX/NYFLKZB05U2. Company name: Campbell Group. Your Hiscox Insurance premium. Last year’s annual premium: This year’s annual premium. £ 4,514.20. £ 4,514.20. The premium includes all applicable insurance premium tax (IPT). Dear Ms Wayne Baxter. Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on Wed 22 November, 2023 . Good news; if you want cover to continue with us and to make sure you stay protected by our award-winning cover, you do not need to do anything. We will update your policy onto our latest wording and continue to collect payment using the payment details we have for you. You must read the important information contained in this email and the attached documents. Your Hiscox Insurance Premium breakdown. The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). The amount shown as last year’s Annual premium will take into account any changes to the cover which may have been made during the last policy period. Cover. Last year’s annual premium (exc IPT). This year’s annual Premium (exc IPT). Professional indemnity. £5,783.12. £5,783.12. Legal protection. £3,843.44. £3,843.44. Crisis containment. £9,071.06. Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy . Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government increase in Insurance Premium Tax as shown. Is our information correct? Your premium and cover are based on what you’ve told us about Campbell 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 22 November, 2023 . We’re here between 8:30am - 5:30pm Monday to Friday . Please note that we can only discuss policy changes with people named on the policy. Why renew with Hiscox. - Reassuring: we offer a range of cover options that can be tailored to your needs. - Flexible: we offer full flexibility to change your policy, with no administration fees . - Award-winning cover : we’ve been named Best Small Business Insurer 7 years running by Start Your Business Magazine . Please click this link for the Hiscox Referral Portal: https://refer.aklamio.com/hiscox/uk?source=postpurchase. Thank you again for choosing Hiscox to insure your business. We hope you and your business have a very successful year. Kind regards. Jon Dye. CEO, Hiscox UK. Business Insurance for the small and the brave. To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre. Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. This email and any files transmitted with it are confidential and intended solely for the use of the individual or entity to whom they are addressed. No one else is authorised to distribute, forward, print, copy or act upon any information contained in this email. If you have received this email in error, please notify the sender. Hiscox Syndicates Limited and Hiscox Insurance Company Limited are authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Hiscox Underwriting Limited, Hiscox Underwriting Services Ltd, Hiscox MGA Ltd and Hiscox ASM Ltd are authorised and regulated by the Financial Conduct Authority. Hiscox Assure SAS is duly registered as an insurance broker with the ORIAS, which is the French Official Registry of Insurance Intermediaries. Hiscox plc is a company registered in England and Wales under company registration number 2837811 and registered office at 1 Great St Helen's, London EC3A 6HX. Hiscox SA is a company registered in Luxembourg at 35 Avenue John F. Kennedy 35F, Luxembourg L-1855, and is authorised by the Commissariat aux Assurances de Luxembourg. It’s time to renew your Hiscox Business Insurance Hiscox Insurance policy number : 5_VZXSN./KRX/NYFLKZB05U2 Company name: Campbell Group . It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : 5_VZXSN./KRX/NYFLKZB05U2 Company name: Campbell Group . Your Hiscox Insurance premium Last year’s annual premium: This year’s annual premium The premium includes all applicable insurance premium tax (IPT). £ 4,514.20 £ 4,514.20 . Your Hiscox Insurance premium . Last year’s annual premium: This year’s annual premium £ 4,514.20 £ 4,514.20 . The premium includes all applicable insurance premium tax (IPT). Dear Ms Wayne Baxter . Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on Wed 22 November, 2023 . Good news; if you want cover to continue with us and to make sure you stay protected by our award-winning cover, you do not need to do anything. We will update your policy onto our latest wording and continue to collect payment using the payment details we have for you. You must read the important information contained in this email and the attached documents Your Hiscox Insurance Premium breakdown The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). The amount shown as last year’s Annual premium will take into account any changes to the cover which may have been made during the last policy period. Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) Professional indemnity £5,783.12 £5,783.12 Legal protection £3,843.44 £3,843.44 Crisis containment £9,071.06 Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government increase in Insurance Premium Tax as shown. Is our information correct? Your premium and cover are based on what you’ve told us about Campbell 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 22 November, 2023 . We’re here between 8:30am - 5:30pm Monday to Friday . Please note that we can only discuss policy changes with people named on the policy. Why renew with Hiscox - Reassuring: we offer a range of cover options that can be tailored to your needs - Flexible: we offer full flexibility to change your policy, with no administration fees - Award-winning cover : we’ve been named Best Small Business Insurer 7 years running by Start Your Business Magazine Please click this link for the Hiscox Referral Portal: https://refer.aklamio.com/hiscox/uk?source=postpurchase Thank you again for choosing Hiscox to insure your business. We hope you and your business have a very successful year. Kind regards Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on Wed 22 November, 2023 . Good news; if you want cover to continue with us and to make sure you stay protected by our award-winning cover, you do not need to do anything. We will update your policy onto our latest wording and continue to collect payment using the payment details we have for you. You must read the important information contained in this email and the attached documents Your Hiscox Insurance Premium breakdown The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). The amount shown as last year’s Annual premium will take into account any changes to the cover which may have been made during the last policy period. Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) Professional indemnity £5,783.12 £5,783.12 Legal protection £3,843.44 £3,843.44 Crisis containment £9,071.06 Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government increase in Insurance Premium Tax as shown. Is our information correct? Your premium and cover are based on what you’ve told us about Campbell 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 22 November, 2023 . We’re here between 8:30am - 5:30pm Monday to Friday . Please note that we can only discuss policy changes with people named on the policy. Why renew with Hiscox - Reassuring: we offer a range of cover options that can be tailored to your needs - Flexible: we offer full flexibility to change your policy, with no administration fees - Award-winning cover : we’ve been named Best Small Business Insurer 7 years running by Start Your Business Magazine Please click this link for the Hiscox Referral Portal: https://refer.aklamio.com/hiscox/uk?source=postpurchase Thank you again for choosing Hiscox to insure your business. We hope you and your business have a very successful year. Kind regards Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Your Hiscox Insurance Premium breakdown The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). Cover Professional indemnity Legal protection Crisis containment . Last year’s annual premium (exc IPT) £5,783.12 £3,843.44 £9,071.06 . This year’s annual Premium (exc IPT) £5,783.12 £3,843.44 . Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) . Professional indemnity £5,783.12 £5,783.12 . Legal protection £3,843.44 £3,843.44 . Crisis containment £9,071.06 . Kind regards Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre . Kind regards . Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave . To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre . Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Page / 1 Hiscox Business Insurance Policy wording 17431a - DC565 WORDING 04/17Guide to sectionsIntroduction Policy wordings General terms and conditions Professional indemnity for business management consultants Legal protection Crisis containment Hiscox Business Insurance Policy wording 17431a - DC565 WORDING 04/17IntroductionThank you for choosing Hiscox to protect your business. We hope that the language and layout of this policy wording are clear because we want you to understand the insurance we provide as well as the responsibilities we have to each other. Please read this document, including the policy schedule, policy summary and statement of fact, and let us know as soon as possible if any of the details are shown incorrectly. We always try to deliver to the highest standards of service. Your views are important to us, so if you feel that our service is below the standard you would expect from Hiscox, please contact us on the phone number shown in your policy schedule. Please note that some of the words we use in this insurance are shown in bold type. These words are defined in each section of the wording. Page / 1 Hiscox Insurance Payment schedule Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Thank you for continuing to pay for your policy by Direct Debit. Please 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 Baxter Frequency of collection: Annual Sort code: %BANK_SORT_CODE_1% Account number: %BANK_ACCOUNT_NUMBER_1% Your Direct Debit schedule We will take payments on the dates outlined below: Date Amount 18/08/2019 £4,514.20 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_VZXSN./KRX/NYFLKZB05U2 If you have any questions about your policy or payments, please call us on 0800 280 0351. We’re here between 8:30am - 5:30pm Monday to Friday or you can email us at service@hiscox.co.uk. Using your personal information Hiscox isa trading name ofa number of Hiscox companies. The specific company acting asa data controller of your personal information will be listed in the documentation we provide to you. If you are unsure you can also contact us at anytime by telephoning 01904 681198 or by emailing us at dataprotectionofficer@hiscox.com. We collect and process information about you in order to provide insurance policies and to process claims. Your information is also used for business purposes such as fraud prevention and detection and financial management. This may involve sharing your information with, and obtaining information about you from, our group companies and third parties such as brokers, loss adjusters, credit reference agencies, service providers, professional advisors, our regulators or fraud prevention agencies. We may record telephone calls to help us monitor and improve the service we provide. For further information on how your information is used and your rights in relation to your information please see our privacy policy at www.hiscox.co.uk/cookies-privacy. The Direct Debit Guarantee This Guarantee is offered by all banks and building societies that accept instructions to pay Direct Debits. If there are any changes to the amount, date or frequency of your Direct Debit Hiscox Underwriting Ltd will notify you ten working days in advance of your account being debited or as otherwise agreed. If you request Hiscox Underwriting Ltd to collect a payment, confirmation of the amount and date will be given to you at the time of the request. If an error is made in the payment of your Direct Debit by Hiscox Underwriting Ltd or your bank or building society you are entitled to a full and immediate refund of the amount paid from your bank or building society. – If you receive a refund you are not entitled to, you must pay it back when Hiscox Underwriting Ltd asks you to. You can cancel a Direct Debit at anytime by simply contacting your bank or building society. Written confirmation maybe required. Please also notify us. Page / 1 Hiscox Business Insurance Policy summary JAC-PSC-UK-DC556(5.4) 17431b 07/20 Your Hiscox Business Insurance policy summaries This document contains the summaries for any policy covers you have selected to protect your business. These summaries outline the key information about your policies so you can be confident that you have understood what you have bought and what you are covered for. However, you should carefully read your policy in full and ensure that you understand its terms and conditions in full. If you have any queries, you should contact Hiscox or your insurance advisor. Your side of the bargain Remember, your premium and insurance are based on the details you have provided to us. Please make sure this information accurately reflects your business and that you inform us immediately if anything needs to change. Please also tell us of any changes in circumstances that may affect the services provided by us or the cover provided by your policy. This is particularly important before taking out a policy, but it also applies throughout the life of the policy too. You need to consider: ■if you fail to fairly present the risk to us, including by failing to disclose any information material to the insurance, you could invalidate the policy, claims may not be paid or the amount we pay maybe reduced; ■you should read and check all insurance documents to ensure that you are aware of the cover, limits and other terms that apply; ■if you fail to let us know of any changes to your circumstances during the period of insurance or, if when telling us about such changes you fail to present the risk to us fairly, you could invalidate the policy, claims may not be paid or the amount we pay maybe reduced; ■please be aware of all terms and conditions of your policy because failure to comply with them could invalidate it or result in us not paying a claim or reducing the amount we pay; ■in the event ofa claim, you should take note of the required procedures, such as giving Hiscox prompt notice of the claims, as stated in the policy documentation. In particular, if you fail to notify us when you first become aware ofa shortcoming, fact, or problem, admit you are liable for what has happened or appoint solicitors or other legal representation without our prior written approval, claims or defence costs may not be paid or the amount we pay maybe reduced; ■as with any insurance, you have an obligation to take reasonable steps to mitigate any loss or liability; ■if you make a fraudulent claim or try to deceive us, we may terminate the policy. Policy length The period of insurance is shown on your policy schedule. Your policy schedule will also show if the policy is ona continuing cover basis. If itis ona continuing cover basis, we will renew your policy each year for another 12 months and continue to take payment (including any premium adjustment shown in your renewal invitation) using your existing arrangement, unless you tell us otherwise or if your risk changes. If your policy schedule does not show that the policy is ona continuing cover basis, cover will cease at the end of the period of insurance, unless you renew your policy with us. We will provide you witha statement of fact each year and provided that the information contained within the statement of fact is true, complete and accurate, you do not need to provide us with any further information. If any of the information in your statement of fact is not true, complete and accurate, you must let us know. If you do not let us know, it may affect the validity of the policy or our ability to pay a claim. Retroactive dates, geographical and jurisdiction limits Where any section of your policy schedule includes a retroactive date, we will not make any payment for any claim or loss under that section which arises from any activity performed or any act, incident or occurrence taking place, before the retroactive date. Where any section of your policy schedule shows the geographical limits which apply to that section of the policy, we will only pay for claims and losses under that section which arise from activities performed or acts, incidents or occurrences taking place within those geographical limits. Where any section provides cover in respect of your liability to third parties, we will only cover claims first made ina country within the applicable courts stated in that section of your policy schedule. Hiscox Business Insurance Policy summary JAC-PSC-UK-DC556(5.4) 17431b 07/20 Cancellation rights You can cancel this policy by giving us 30 days' notice. You will only be charged for the premiums due up to the date of cancellation. If we need to cancel the policy, we’ll give you 30 days’ notice in writing and refund any surplus premiums you might have paid. Please note – we may deduct an administration fee from any refunded payment.There is an exception to our 30-day notice period, which is triggered when we don’t receive your Direct Debit payments within the agreed 14-day period. At this point, we will contact you as soon as possible and stop the policyPage / 2 immediately. Underwritten by:Hiscox Underwriting Ltd on behalf of the insurers named in the schedule. Page / 1 Certificate of professional indemnity insurance Campbell 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:5_VZXSN./KRX/NYFLKZB05U2 Name of policy holder:Campbell Group Period of insurance: From Wed 22 November, 2023 to 2021-01-09 both days inclusive. This policy isa Continuing cover policy Insurer: Hiscox Insurance Company Limited Retroactive date: Fri 15 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: Wed 22 November, 2023 Insurance details Policy number: 5_VZXSN./KRX/NYFLKZB05U2 Period of insurance: From Wed 22 November, 2023 to 2021-01-09 both days inclusive. This policy isa Continuing cover policy. Insured: Campbell Group Address: 717 Marcus coves Francisport FARNHAM AB68 9ZJ Additional insureds: None Business: Management Consultants Premium details Charged premium – the total amount you’ll pay for this policy. Charged premium: £655.31 Insurance Premium Tax (IPT): £6,565.19 Total charged premium: £4,514.20 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: £655.31 Insurance Premium Tax (IPT): £6,565.19 Annual total: £4,514.20 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 £5,783.12 Legal protection £100,000 £0 £3,843.44 Crisis containment £25,000 - £9,071.06 The figures above are in summary only and are not in addition to the 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 22 November, 2023 Limit of indemnity £1,000,000 Limit applies to in the aggregate, including all costs Excess £1,000 Excess applies to each and every claim or loss, including all costs Geographical limits Worldwide Applicable courts Worldwide (excluding United States of America and Canada) Claims brought in USA or Canada Not covered Additional covers (in addition to overall limit of indemnity stated above) Cover Limit of indemnity Limit applies to Court attendance compensation - employees £250 per person, per day Court attendance compensation - directors and partners£500 per person, per day Court attendance compensation: in total £100,000 in the aggregate Special limits (included within not in addition to the overall limit of indemnity stated above) Cover Limit of indemnity Limit applies to Personal dataPage / 2 claims £250,000 in the aggregate, including all costs Business activities Business management consultant Retroactive date Fri 15 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	5_VZXSN./KRX/NYFLKZB05U2	(?<=Policy number - )[-\w_\/\.]+?(?= Company name)	Wed 22 November, 2023	(?<=anniversary of your policy is approaching on )[-\w_\/\. ,]+?(?= \.)	null	null	Business	(?<=time to renew your Hiscox )[-\w_\/\. ]+?(?= Insurance)	2024-02-05
hiscox-business-1	Hiscox Business Insurance - Policy number - QCQSLJU-MMGNTMMU Company name: Cooke, Jarvis and Webster It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : QCQSLJU-MMGNTMMU. Company name: Cooke, Jarvis and Webster. Your Hiscox Insurance premium. Last year’s annual premium: This year’s annual premium. £ 1,606.91. £ 1,606.91. The premium includes all applicable insurance premium tax (IPT). Dear Dr Victoria Stewart. Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 2024-12-09 . Good news; if you want cover to continue with us and to make sure you stay protected by our award-winning cover, you do not need to do anything. We will update your policy onto our latest wording and continue to collect payment using the payment details we have for you. You must read the important information contained in this email and the attached documents. Your Hiscox Insurance Premium breakdown. The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). The amount shown as last year’s Annual premium will take into account any changes to the cover which may have been made during the last policy period. Cover. Last year’s annual premium (exc IPT). This year’s annual Premium (exc IPT). Professional indemnity. £8,686.70. £8,686.70. Legal protection. £3,127.34. £3,127.34. Crisis containment. £4,190.13. Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy . Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government increase in Insurance Premium Tax as shown. Is our information correct? Your premium and cover are based on what you’ve told us about Cooke, Jarvis and Webster , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay. . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover. Policy summary for each cover. ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover . As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before 2024-12-09 . We’re here between 8:30am - 5:30pm Monday to Friday . Please note that we can only discuss policy changes with people named on the policy. Why renew with Hiscox. - Reassuring: we offer a range of cover options that can be tailored to your needs. - Flexible: we offer full flexibility to change your policy, with no administration fees . - Award-winning cover : we’ve been named Best Small Business Insurer 7 years running by Start Your Business Magazine . Please click this link for the Hiscox Referral Portal: https://refer.aklamio.com/hiscox/uk?source=postpurchase. Thank you again for choosing Hiscox to insure your business. We hope you and your business have a very successful year. Kind regards. Jon Dye. CEO, Hiscox UK. Business Insurance for the small and the brave. To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre. Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. This email and any files transmitted with it are confidential and intended solely for the use of the individual or entity to whom they are addressed. No one else is authorised to distribute, forward, print, copy or act upon any information contained in this email. If you have received this email in error, please notify the sender. Hiscox Syndicates Limited and Hiscox Insurance Company Limited are authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Hiscox Underwriting Limited, Hiscox Underwriting Services Ltd, Hiscox MGA Ltd and Hiscox ASM Ltd are authorised and regulated by the Financial Conduct Authority. Hiscox Assure SAS is duly registered as an insurance broker with the ORIAS, which is the French Official Registry of Insurance Intermediaries. Hiscox plc is a company registered in England and Wales under company registration number 2837811 and registered office at 1 Great St Helen's, London EC3A 6HX. Hiscox SA is a company registered in Luxembourg at 35 Avenue John F. Kennedy 35F, Luxembourg L-1855, and is authorised by the Commissariat aux Assurances de Luxembourg. It’s time to renew your Hiscox Business Insurance Hiscox Insurance policy number : QCQSLJU-MMGNTMMU Company name: Cooke, Jarvis and Webster . It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : QCQSLJU-MMGNTMMU Company name: Cooke, Jarvis and Webster . Your Hiscox Insurance premium Last year’s annual premium: This year’s annual premium The premium includes all applicable insurance premium tax (IPT). £ 1,606.91 £ 1,606.91 . Your Hiscox Insurance premium . Last year’s annual premium: This year’s annual premium £ 1,606.91 £ 1,606.91 . The premium includes all applicable insurance premium tax (IPT). Dear Dr Victoria Stewart . Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 2024-12-09 . Good news; if you want cover to continue with us and to make sure you stay protected by our award-winning cover, you do not need to do anything. We will update your policy onto our latest wording and continue to collect payment using the payment details we have for you. You must read the important information contained in this email and the attached documents Your Hiscox Insurance Premium breakdown The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). The amount shown as last year’s Annual premium will take into account any changes to the cover which may have been made during the last policy period. Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) Professional indemnity £8,686.70 £8,686.70 Legal protection £3,127.34 £3,127.34 Crisis containment £4,190.13 Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government increase in Insurance Premium Tax as shown. Is our information correct? Your premium and cover are based on what you’ve told us about Cooke, Jarvis and Webster , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover Policy summary for each cover ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before 2024-12-09 . We’re here between 8:30am - 5:30pm Monday to Friday . Please note that we can only discuss policy changes with people named on the policy. Why renew with Hiscox - Reassuring: we offer a range of cover options that can be tailored to your needs - Flexible: we offer full flexibility to change your policy, with no administration fees - Award-winning cover : we’ve been named Best Small Business Insurer 7 years running by Start Your Business Magazine Please click this link for the Hiscox Referral Portal: https://refer.aklamio.com/hiscox/uk?source=postpurchase Thank you again for choosing Hiscox to insure your business. We hope you and your business have a very successful year. Kind regards Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 2024-12-09 . Good news; if you want cover to continue with us and to make sure you stay protected by our award-winning cover, you do not need to do anything. We will update your policy onto our latest wording and continue to collect payment using the payment details we have for you. You must read the important information contained in this email and the attached documents Your Hiscox Insurance Premium breakdown The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). The amount shown as last year’s Annual premium will take into account any changes to the cover which may have been made during the last policy period. Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) Professional indemnity £8,686.70 £8,686.70 Legal protection £3,127.34 £3,127.34 Crisis containment £4,190.13 Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government increase in Insurance Premium Tax as shown. Is our information correct? Your premium and cover are based on what you’ve told us about Cooke, Jarvis and Webster , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover Policy summary for each cover ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before 2024-12-09 . We’re here between 8:30am - 5:30pm Monday to Friday . Please note that we can only discuss policy changes with people named on the policy. Why renew with Hiscox - Reassuring: we offer a range of cover options that can be tailored to your needs - Flexible: we offer full flexibility to change your policy, with no administration fees - Award-winning cover : we’ve been named Best Small Business Insurer 7 years running by Start Your Business Magazine Please click this link for the Hiscox Referral Portal: https://refer.aklamio.com/hiscox/uk?source=postpurchase Thank you again for choosing Hiscox to insure your business. We hope you and your business have a very successful year. Kind regards Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Your Hiscox Insurance Premium breakdown The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). Cover Professional indemnity Legal protection Crisis containment . Last year’s annual premium (exc IPT) £8,686.70 £3,127.34 £4,190.13 . This year’s annual Premium (exc IPT) £8,686.70 £3,127.34 . Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) . Professional indemnity £8,686.70 £8,686.70 . Legal protection £3,127.34 £3,127.34 . Crisis containment £4,190.13 . Kind regards Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre . Kind regards . Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave . To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre . Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Page / 1 Hiscox Business Insurance Policy wording 17431a - DC565 WORDING 04/17Guide to sectionsIntroduction Policy wordings General terms and conditions Professional indemnity for business management consultants Legal protection Crisis containment Hiscox Business Insurance Policy wording 17431a - DC565 WORDING 04/17IntroductionThank you for choosing Hiscox to protect your business. We hope that the language and layout of this policy wording are clear because we want you to understand the insurance we provide as well as the responsibilities we have to each other. Please read this document, including the policy schedule, policy summary and statement of fact, and let us know as soon as possible if any of the details are shown incorrectly. We always try to deliver to the highest standards of service. Your views are important to us, so if you feel that our service is below the standard you would expect from Hiscox, please contact us on the phone number shown in your policy schedule. Please note that some of the words we use in this insurance are shown in bold type. These words are defined in each section of the wording. Page / 1 Hiscox Insurance Payment schedule Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Thank you for continuing to pay for your policy by Direct Debit. Please check these details and let us know if anything is incorrect or if the schedule is not suitable. Your reference details Account holder name: Victoria Stewart Frequency of collection: Annual Sort code: %BANK_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 09 October, 2024 £1,606.91 Where your chosen collection date falls ona non-working day then we will endeavour to collect the next working day. For your information, the collections will be made using the following reference number: Originator Identification Number: 293461 Reference Number: QCQSLJU-MMGNTMMU If you have any questions about your policy or payments, please call us on 0800 280 0351. We’re here between 8:30am - 5:30pm Monday to Friday or you can email us at service@hiscox.co.uk. Using your personal information Hiscox isa trading name ofa number of Hiscox companies. The specific company acting asa data controller of your personal information will be listed in the documentation we provide to you. If you are unsure you can also contact us at anytime by telephoning 01904 681198 or by emailing us at dataprotectionofficer@hiscox.com. We collect and process information about you in order to provide insurance policies and to process claims. Your information is also used for business purposes such as fraud prevention and detection and financial management. This may involve sharing your information with, and obtaining information about you from, our group companies and third parties such as brokers, loss adjusters, credit reference agencies, service providers, professional advisors, our regulators or fraud prevention agencies. We may record telephone calls to help us monitor and improve the service we provide. For further information on how your information is used and your rights in relation to your information please see our privacy policy at www.hiscox.co.uk/cookies-privacy. The Direct Debit Guarantee This Guarantee is offered by all banks and building societies that accept instructions to pay Direct Debits. If there are any changes to the amount, date or frequency of your Direct Debit Hiscox Underwriting Ltd will notify you ten working days in advance of your account being debited or as otherwise agreed. If you request Hiscox Underwriting Ltd to collect a payment, confirmation of the amount and date will be given to you at the time of the request. If an error is made in the payment of your Direct Debit by Hiscox Underwriting Ltd or your bank or building society you are entitled to a full and immediate refund of the amount paid from your bank or building society. – If you receive a refund you are not entitled to, you must pay it back when Hiscox Underwriting Ltd asks you to. You can cancel a Direct Debit at anytime by simply contacting your bank or building society. Written confirmation maybe required. Please also notify us. Page / 1 Hiscox Business Insurance Policy summary JAC-PSC-UK-DC556(5.4) 17431b 07/20 Your Hiscox Business Insurance policy summaries This document contains the summaries for any policy covers you have selected to protect your business. These summaries outline the key information about your policies so you can be confident that you have understood what you have bought and what you are covered for. However, you should carefully read your policy in full and ensure that you understand its terms and conditions in full. If you have any queries, you should contact Hiscox or your insurance advisor. Your side of the bargain Remember, your premium and insurance are based on the details you have provided to us. Please make sure this information accurately reflects your business and that you inform us immediately if anything needs to change. Please also tell us of any changes in circumstances that may affect the services provided by us or the cover provided by your policy. This is particularly important before taking out a policy, but it also applies throughout the life of the policy too. You need to consider: ■if you fail to fairly present the risk to us, including by failing to disclose any information material to the insurance, you could invalidate the policy, claims may not be paid or the amount we pay maybe reduced; ■you should read and check all insurance documents to ensure that you are aware of the cover, limits and other terms that apply; ■if you fail to let us know of any changes to your circumstances during the period of insurance or, if when telling us about such changes you fail to present the risk to us fairly, you could invalidate the policy, claims may not be paid or the amount we pay maybe reduced; ■please be aware of all terms and conditions of your policy because failure to comply with them could invalidate it or result in us not paying a claim or reducing the amount we pay; ■in the event ofa claim, you should take note of the required procedures, such as giving Hiscox prompt notice of the claims, as stated in the policy documentation. In particular, if you fail to notify us when you first become aware ofa shortcoming, fact, or problem, admit you are liable for what has happened or appoint solicitors or other legal representation without our prior written approval, claims or defence costs may not be paid or the amount we pay maybe reduced; ■as with any insurance, you have an obligation to take reasonable steps to mitigate any loss or liability; ■if you make a fraudulent claim or try to deceive us, we may terminate the policy. Policy length The period of insurance is shown on your policy schedule. Your policy schedule will also show if the policy is ona continuing cover basis. If itis ona continuing cover basis, we will renew your policy each year for another 12 months and continue to take payment (including any premium adjustment shown in your renewal invitation) using your existing arrangement, unless you tell us otherwise or if your risk changes. If your policy schedule does not show that the policy is ona continuing cover basis, cover will cease at the end of the period of insurance, unless you renew your policy with us. We will provide you witha statement of fact each year and provided that the information contained within the statement of fact is true, complete and accurate, you do not need to provide us with any further information. If any of the information in your statement of fact is not true, complete and accurate, you must let us know. If you do not let us know, it may affect the validity of the policy or our ability to pay a claim. Retroactive dates, geographical and jurisdiction limits Where any section of your policy schedule includes a retroactive date, we will not make any payment for any claim or loss under that section which arises from any activity performed or any act, incident or occurrence taking place, before the retroactive date. Where any section of your policy schedule shows the geographical limits which apply to that section of the policy, we will only pay for claims and losses under that section which arise from activities performed or acts, incidents or occurrences taking place within those geographical limits. Where any section provides cover in respect of your liability to third parties, we will only cover claims first made ina country within the applicable courts stated in that section of your policy schedule. Hiscox Business Insurance Policy summary JAC-PSC-UK-DC556(5.4) 17431b 07/20 Cancellation rights You can cancel this policy by giving us 30 days' notice. You will only be charged for the premiums due up to the date of cancellation. If we need to cancel the policy, we’ll give you 30 days’ notice in writing and refund any surplus premiums you might have paid. Please note – we may deduct an administration fee from any refunded payment.There is an exception to our 30-day notice period, which is triggered when we don’t receive your Direct Debit payments within the agreed 14-day period. At this point, we will contact you as soon as possible and stop the policyPage / 2 immediately. Underwritten by:Hiscox Underwriting Ltd on behalf of the insurers named in the schedule. Page / 1 Certificate of professional indemnity insurance Cooke, Jarvis and Webster Hiscox Underwriting Ltd of 1 Great St. Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Certificate of professional indemnity Insurance Policy number:QCQSLJU-MMGNTMMU Name of policy holder:Cooke, Jarvis and Webster Period of insurance: From 2024-12-09 to Friday 22 November, 2019 both days inclusive. This policy isa Continuing cover policy Insurer: Hiscox Insurance Company Limited Retroactive date: 2026-01-29 Level of cover:£1,000,000 Signed on behalf of Hiscox Underwriting Limited as agent for the insurers Jon Dye CEO, Hiscox UK Notes: (a) This insurance is subject to policy terms and conditions and any special terms notified to the InsuredPage / 1 Hiscox Business Insurance Policy Schedule 14502 10/18 This schedule tells you what is insured with us. It should be read carefully with your policy wording(s) and statement of fact detailed elsewhere in this document. Schedule effective date: 2024-12-09 Insurance details Policy number: QCQSLJU-MMGNTMMU Period of insurance: From 2024-12-09 to Friday 22 November, 2019 both days inclusive. This policy isa Continuing cover policy. Insured: Cooke, Jarvis and Webster Address: Studio 09 Clayton orchard Stewartfort FARNHAM SK4 5JR Additional insureds: None Business: Management Consultants Premium details Charged premium – the total amount you’ll pay for this policy. Charged premium: £1,667.64 Insurance Premium Tax (IPT): £1,166.63 Total charged premium: £1,606.91 Annualised premium – the annual premium for this policy. This is given for comparison purposes. Please refer to the charged premium section for the amount you’ll pay for the policy. Annual premium: £1,667.64 Insurance Premium Tax (IPT): £1,166.63 Annual total: £1,606.91 Please note that there will be no refund or additional premium for any transaction which is less than £20 (excluding IPT). Hiscox Business Insurance Policy Schedule 14502 10/18 Summary Claims information If you need to make a claim: - For claims relating to your building or contents please contact our claims team on 0800 247 1902, 9.00am – 5:30pm Monday to Friday. If you wish to make a claim online, you can log most claims quickly and easily through our claims notification portal at https://claims.hiscox.co.uk/. Outside of normal business hours, if you require emergency assistance in relation to substantial damage to your property, you can speak to our 24-hour emergency assistance team using the telephone number above. Your policy schedule will state if property cover is included in your policy. Our out-of-hours emergency assistance team operate ona pay-and-claim basis and you will need to have credit card details available as appropriate. The team will then be able to direct you to essential tradesmen, emergency loss adjusters or disaster management companies in the event of substantial damage. - If there isa claim (or potential claim) against you bya third party, please email us at liability.claims@hiscox.com. If you need to speak to a member of the claims team urgently, please call our team on 0800 711 7156, 9.00am – 5:30pm Monday to Friday. If you wish to make a claim online, you can log most claims quickly and easily through our claims notification portal at https://claims.hiscox.co.uk/. You will need to provide your full name and contact details, the name of your business or organisation, your address and postcode, the policy reference and circumstances of the claim. The Important information and contact details section below contains additional information specific to the covers applicable to your policy. If you are unsure of who to contact please call our team on 0800 711 7156, 9.00am – 5:30pm Monday to Friday. They will ensure you get through to the correct claims team and let you know what actions you need to take. If anything happens that might be covered under the policy, you must comply with the obligations set out in General claims conditions, together with the obligations set out under Your obligations in the section or sections under which you are making the claim. Itis important that you read the policy for details of its terms in full. Your covers This isa summary of each section of your policy. See each section for cover details. Cover Insurance amount Excess Annual Premium (exc IPT) Professional indemnity £1,000,000 £1,000 £8,686.70 Legal protection £100,000 £0 £3,127.34 Crisis containment £25,000 - £4,190.13 The figures above are in summary only and are not in addition to the amount insured specified against each cover section below. Hiscox Business Insurance Policy Schedule 14502 10/18 SECTION: PROFESSIONAL INDEMNITY – MANAGEMENT CONSULTANTS Cover start date: 2024-12-09 Limit of indemnity £1,000,000 Limit applies to in the aggregate, including all costs Excess £1,000 Excess applies to each and every claim or loss, including all costs Geographical limits Worldwide Applicable courts Worldwide (excluding United States of America and Canada) Claims brought in USA or Canada Not covered Additional covers (in addition to overall limit of indemnity stated above) Cover Limit of indemnity Limit applies to Court attendance compensation - employees £250 per person, per day Court attendance compensation - directors and partners£500 per person, per day Court attendance compensation: in total £100,000 in the aggregate Special limits (included within not in addition to the overall limit of indemnity stated above) Cover Limit of indemnity Limit applies to Personal dataPage / 2 claims £250,000 in the aggregate, including all costs Business activities Business management consultant Retroactive date 2026-01-29 Insurer Hiscox Insurance Company LimitedPage / 1 Hiscox Insurance Summary of change Introduction This document has been created to help you understand the key changes to your Hiscox Insurance policy and how they may impact you. Your policy continues to offer professional, tailored insurance to protect you and give you peace of mind that if you need us, you will be supported by our award winning claims team. If you have a query not covered by this document, or if you have any questions or concerns about your policy you should contact us. Frequently asked questions What if my circumstances change during the period of insurance? If your circumstances change during the period of insurance, you only need to let us know if the change means that any of the information in the Statement of Fact is no longer true, complete and accurate. If there are no such changes, you do not need to let us know. If any of the information within the Statement of Fact becomes no longer complete, true or accurate at any point during the period of insurance you must tell us as it may affect the validity of the policy or our ability to pay a claim. Additionally, if your contact details change then you should let us know straightaway. Where doI find the limits that apply to my policy? You can find your maximum allowable limits for turnover and wage rollin your Statement of Fact. You must check this information and tell us or your broker if you expect to exceed the maximum amounts shown. Please note these values may have changed. If there are special limits or special excesses applying to particular covers or types of losses these will be shown in the policy schedule. Please check your policy schedule carefully as they may have changed. My new schedule shows a different premium to last year? What has changed? If an underwriter has reviewed your policy then they may have manually adjusted your premium, for example if you’ve had claims in the last 12 months. Where doI find out about any endorsements on my policy? You will be able to see if an endorsement has been applied or removed by reviewing your Policy Schedule. If you have any queries or concerns, please contact us or your broker if you have one. Hiscox Insurance Summary of change Professional indemnity for business management consultants Summary of change Changes to the cover The following table shows the differences between our new policy wordings (5570 WD- PROF-UK-MAN(7), 15579 WD-PROF-UK-MAN-AG(3)) and our previous wordings (5570 WD-PROF-UK-MAN(6), 15579 WD-PROF-UK-MAN-AG(2)). This isa summary of the changes only. You should refer to the schedule and policy wording for the full description of the cover in place. Area of cover Previous policy New policy Improvement in cover Claims against you Advertising claims. We will pay claims arising from your advertising or branding for defamation or infringement of copyright or moral rights. This does not include claims for passing off, unauthorised use of trademarks or false or misleading advertising. Previously cover was not restricted to defamation or the infringement of copyright or moral rights.Covered Amended Your own lossesChanges to ‘what is covered’ Losses from dishonesty. Your losses arising from the dishonesty of your employees, sub-contractors or outsourcers.Covered Not covered Area of cover Previous policy New policy Improvement in cover Cyber incident. We will not pay claims relating to an actual or possible cyber attack, hacker or social engineering communication. Previously we excluded any virus not specifically targeted at your system.Covered Not covered Computer or digital technology error. We will not pay claims arising from any negligent act, error or omission in the operation or maintenance of computer or digital technology such as development, installation, patching or upgrading.Covered Not coveredChanges to ‘what is not covered’ Infrastructure. We will not pay claims arising from the failure of the service provided by internet, telecommunications, utilities or other infrastructure providers.Covered Not covered Hiscox Insurance Summary of change Personal data. We will not pay claims relating to personal data. We will pay such claims where they arise from your performance ofa business activity and which is not otherwise excluded. Subject to the limit shown in the schedule.Covered Not covered Other important changes Control of defence. Under the previous wording we had a duty to defend you against any covered claim brought against you. We now have the right but not the obligation to take control of the conduct of the claim including the appointment of legal representation. Please refer to the policy wording for full details. SOC-PROF-UK-MAN(1) 21367 01/21	QCQSLJU-MMGNTMMU	(?<=Policy number - )[-\w_\/\.]+?(?= Company name)	2024-12-09	(?<=anniversary of your policy is approaching on )[-\w_\/\. ,]+?(?= \.)	null	null	Business	(?<=time to renew your Hiscox )[-\w_\/\. ]+?(?= Insurance)	2024-02-05
hiscox-business-1	Hiscox Business Insurance - Policy number - 44CFW3V7UTWQ Company name: Wilson-Graham It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : 44CFW3V7UTWQ. Company name: Wilson-Graham. Your Hiscox Insurance premium. Last year’s annual premium: This year’s annual premium. £ 693.19. £ 693.19. The premium includes all applicable insurance premium tax (IPT). Dear Mr Daniel O'Neill. Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 08/04/24 . 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. £581.75. £581.75. Legal protection. £3,345.64. £3,345.64. Crisis containment. £9,990.84. Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy . Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government increase in Insurance Premium Tax as shown. Is our information correct? Your premium and cover are based on what you’ve told us about Wilson-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 08/04/24 . 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 : 44CFW3V7UTWQ Company name: Wilson-Graham . It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : 44CFW3V7UTWQ Company name: Wilson-Graham . Your Hiscox Insurance premium Last year’s annual premium: This year’s annual premium The premium includes all applicable insurance premium tax (IPT). £ 693.19 £ 693.19 . Your Hiscox Insurance premium . Last year’s annual premium: This year’s annual premium £ 693.19 £ 693.19 . The premium includes all applicable insurance premium tax (IPT). Dear Mr Daniel O'Neill . Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 08/04/24 . 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 £581.75 £581.75 Legal protection £3,345.64 £3,345.64 Crisis containment £9,990.84 Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government increase in Insurance Premium Tax as shown. Is our information correct? Your premium and cover are based on what you’ve told us about Wilson-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 08/04/24 . 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 08/04/24 . 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 £581.75 £581.75 Legal protection £3,345.64 £3,345.64 Crisis containment £9,990.84 Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government increase in Insurance Premium Tax as shown. Is our information correct? Your premium and cover are based on what you’ve told us about Wilson-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 08/04/24 . 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) £581.75 £3,345.64 £9,990.84 . This year’s annual Premium (exc IPT) £581.75 £3,345.64 . Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) . Professional indemnity £581.75 £581.75 . Legal protection £3,345.64 £3,345.64 . Crisis containment £9,990.84 . Kind regards Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre . Kind regards . Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave . To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre . Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Page / 1 Hiscox Business Insurance Policy wording 17431a - DC565 WORDING 04/17Guide to sectionsIntroduction Policy wordings General terms and conditions Professional indemnity for business management consultants Legal protection Crisis containment Hiscox Business Insurance Policy wording 17431a - DC565 WORDING 04/17IntroductionThank you for choosing Hiscox to protect your business. We hope that the language and layout of this policy wording are clear because we want you to understand the insurance we provide as well as the responsibilities we have to each other. Please read this document, including the policy schedule, policy summary and statement of fact, and let us know as soon as possible if any of the details are shown incorrectly. We always try to deliver to the highest standards of service. Your views are important to us, so if you feel that our service is below the standard you would expect from Hiscox, please contact us on the phone number shown in your policy schedule. Please note that some of the words we use in this insurance are shown in bold type. These words are defined in each section of the wording. Page / 1 Hiscox Insurance Payment schedule Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Thank you for continuing to pay for your policy by Direct Debit. Please check these details and let us know if anything is incorrect or if the schedule is not suitable. Your reference details Account holder name: Daniel O'Neill Frequency of collection: Annual Sort code: %BANK_SORT_CODE_1% Account number: %BANK_ACCOUNT_NUMBER_1% Your Direct Debit schedule We will take payments on the dates outlined below: Date Amount 13 March, 2022 £693.19 Where your chosen collection date falls ona non-working day then we will endeavour to collect the next working day. For your information, the collections will be made using the following reference number: Originator Identification Number: 293461 Reference Number: 44CFW3V7UTWQ If you have any questions about your policy or payments, please call us on 0800 280 0351. We’re here between 8:30am - 5:30pm Monday to Friday or you can email us at service@hiscox.co.uk. Using your personal information Hiscox isa trading name ofa number of Hiscox companies. The specific company acting asa data controller of your personal information will be listed in the documentation we provide to you. If you are unsure you can also contact us at anytime by telephoning 01904 681198 or by emailing us at dataprotectionofficer@hiscox.com. We collect and process information about you in order to provide insurance policies and to process claims. Your information is also used for business purposes such as fraud prevention and detection and financial management. This may involve sharing your information with, and obtaining information about you from, our group companies and third parties such as brokers, loss adjusters, credit reference agencies, service providers, professional advisors, our regulators or fraud prevention agencies. We may record telephone calls to help us monitor and improve the service we provide. For further information on how your information is used and your rights in relation to your information please see our privacy policy at www.hiscox.co.uk/cookies-privacy. The Direct Debit Guarantee This Guarantee is offered by all banks and building societies that accept instructions to pay Direct Debits. If there are any changes to the amount, date or frequency of your Direct Debit Hiscox Underwriting Ltd will notify you ten working days in advance of your account being debited or as otherwise agreed. If you request Hiscox Underwriting Ltd to collect a payment, confirmation of the amount and date will be given to you at the time of the request. If an error is made in the payment of your Direct Debit by Hiscox Underwriting Ltd or your bank or building society you are entitled to a full and immediate refund of the amount paid from your bank or building society. – If you receive a refund you are not entitled to, you must pay it back when Hiscox Underwriting Ltd asks you to. You can cancel a Direct Debit at anytime by simply contacting your bank or building society. Written confirmation maybe required. Please also notify us. Page / 1 Hiscox Business Insurance Policy summary JAC-PSC-UK-DC556(5.4) 17431b 07/20 Your Hiscox Business Insurance policy summaries This document contains the summaries for any policy covers you have selected to protect your business. These summaries outline the key information about your policies so you can be confident that you have understood what you have bought and what you are covered for. However, you should carefully read your policy in full and ensure that you understand its terms and conditions in full. If you have any queries, you should contact Hiscox or your insurance advisor. Your side of the bargain Remember, your premium and insurance are based on the details you have provided to us. Please make sure this information accurately reflects your business and that you inform us immediately if anything needs to change. Please also tell us of any changes in circumstances that may affect the services provided by us or the cover provided by your policy. This is particularly important before taking out a policy, but it also applies throughout the life of the policy too. You need to consider: ■if you fail to fairly present the risk to us, including by failing to disclose any information material to the insurance, you could invalidate the policy, claims may not be paid or the amount we pay maybe reduced; ■you should read and check all insurance documents to ensure that you are aware of the cover, limits and other terms that apply; ■if you fail to let us know of any changes to your circumstances during the period of insurance or, if when telling us about such changes you fail to present the risk to us fairly, you could invalidate the policy, claims may not be paid or the amount we pay maybe reduced; ■please be aware of all terms and conditions of your policy because failure to comply with them could invalidate it or result in us not paying a claim or reducing the amount we pay; ■in the event ofa claim, you should take note of the required procedures, such as giving Hiscox prompt notice of the claims, as stated in the policy documentation. In particular, if you fail to notify us when you first become aware ofa shortcoming, fact, or problem, admit you are liable for what has happened or appoint solicitors or other legal representation without our prior written approval, claims or defence costs may not be paid or the amount we pay maybe reduced; ■as with any insurance, you have an obligation to take reasonable steps to mitigate any loss or liability; ■if you make a fraudulent claim or try to deceive us, we may terminate the policy. Policy length The period of insurance is shown on your policy schedule. Your policy schedule will also show if the policy is ona continuing cover basis. If itis ona continuing cover basis, we will renew your policy each year for another 12 months and continue to take payment (including any premium adjustment shown in your renewal invitation) using your existing arrangement, unless you tell us otherwise or if your risk changes. If your policy schedule does not show that the policy is ona continuing cover basis, cover will cease at the end of the period of insurance, unless you renew your policy with us. We will provide you witha statement of fact each year and provided that the information contained within the statement of fact is true, complete and accurate, you do not need to provide us with any further information. If any of the information in your statement of fact is not true, complete and accurate, you must let us know. If you do not let us know, it may affect the validity of the policy or our ability to pay a claim. Retroactive dates, geographical and jurisdiction limits Where any section of your policy schedule includes a retroactive date, we will not make any payment for any claim or loss under that section which arises from any activity performed or any act, incident or occurrence taking place, before the retroactive date. Where any section of your policy schedule shows the geographical limits which apply to that section of the policy, we will only pay for claims and losses under that section which arise from activities performed or acts, incidents or occurrences taking place within those geographical limits. Where any section provides cover in respect of your liability to third parties, we will only cover claims first made ina country within the applicable courts stated in that section of your policy schedule. Hiscox Business Insurance Policy summary JAC-PSC-UK-DC556(5.4) 17431b 07/20 Cancellation rights You can cancel this policy by giving us 30 days' notice. You will only be charged for the premiums due up to the date of cancellation. If we need to cancel the policy, we’ll give you 30 days’ notice in writing and refund any surplus premiums you might have paid. Please note – we may deduct an administration fee from any refunded payment.There is an exception to our 30-day notice period, which is triggered when we don’t receive your Direct Debit payments within the agreed 14-day period. At this point, we will contact you as soon as possible and stop the policyPage / 2 immediately. Underwritten by:Hiscox Underwriting Ltd on behalf of the insurers named in the schedule. Page / 1 Certificate of professional indemnity insurance Wilson-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:44CFW3V7UTWQ Name of policy holder:Wilson-Graham Period of insurance: From 08/04/24 to Wed 14 April, 2021 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: 08/04/24 Insurance details Policy number: 44CFW3V7UTWQ Period of insurance: From 08/04/24 to Wed 14 April, 2021 both days inclusive. This policy isa Continuing cover policy. Insured: Wilson-Graham Address: 816 Gibson stream Geoffreychester FARNHAM E65 7ZH Additional insureds: None Business: Management Consultants Premium details Charged premium – the total amount you’ll pay for this policy. Charged premium: £9,721.64 Insurance Premium Tax (IPT): £3,067.78 Total charged premium: £693.19 Annualised premium – the annual premium for this policy. This is given for comparison purposes. Please refer to the charged premium section for the amount you’ll pay for the policy. Annual premium: £9,721.64 Insurance Premium Tax (IPT): £3,067.78 Annual total: £693.19 Please note that there will be no refund or additional premium for any transaction which is less than £20 (excluding IPT). Hiscox Business Insurance Policy Schedule 14502 10/18 Summary Claims information If you need to make a claim: - For claims relating to your building or contents please contact our claims team on 0800 247 1902, 9.00am – 5:30pm Monday to Friday. If you wish to make a claim online, you can log most claims quickly and easily through our claims notification portal at https://claims.hiscox.co.uk/. Outside of normal business hours, if you require emergency assistance in relation to substantial damage to your property, you can speak to our 24-hour emergency assistance team using the telephone number above. Your policy schedule will state if property cover is included in your policy. Our out-of-hours emergency assistance team operate ona pay-and-claim basis and you will need to have credit card details available as appropriate. The team will then be able to direct you to essential tradesmen, emergency loss adjusters or disaster management companies in the event of substantial damage. - If there isa claim (or potential claim) against you bya third party, please email us at liability.claims@hiscox.com. If you need to speak to a member of the claims team urgently, please call our team on 0800 711 7156, 9.00am – 5:30pm Monday to Friday. If you wish to make a claim online, you can log most claims quickly and easily through our claims notification portal at https://claims.hiscox.co.uk/. You will need to provide your full name and contact details, the name of your business or organisation, your address and postcode, the policy reference and circumstances of the claim. The Important information and contact details section below contains additional information specific to the covers applicable to your policy. If you are unsure of who to contact please call our team on 0800 711 7156, 9.00am – 5:30pm Monday to Friday. They will ensure you get through to the correct claims team and let you know what actions you need to take. If anything happens that might be covered under the policy, you must comply with the obligations set out in General claims conditions, together with the obligations set out under Your obligations in the section or sections under which you are making the claim. Itis important that you read the policy for details of its terms in full. Your covers This isa summary of each section of your policy. See each section for cover details. Cover Insurance amount Excess Annual Premium (exc IPT) Professional indemnity £1,000,000 £1,000 £581.75 Legal protection £100,000 £0 £3,345.64 Crisis containment £25,000 - £9,990.84 The figures above are in summary only and are not in addition to the amount insured specified against each cover section below. Hiscox Business Insurance Policy Schedule 14502 10/18 SECTION: PROFESSIONAL INDEMNITY – MANAGEMENT CONSULTANTS Cover start date: 08/04/24 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 dataPage / 2 claims £250,000 in the aggregate, including all costs Business activities Business management 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	44CFW3V7UTWQ	(?<=Policy number - )[-\w_\/\.]+?(?= Company name)	08/04/24	(?<=anniversary of your policy is approaching on )[-\w_\/\. ,]+?(?= \.)	null	null	Business	(?<=time to renew your Hiscox )[-\w_\/\. ]+?(?= Insurance)	2024-02-05
hiscox-business-1	Hiscox Business Insurance - Policy number - CQK/QQPF/C8Z Company name: Howell Inc It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : CQK/QQPF/C8Z. Company name: Howell Inc. Your Hiscox Insurance premium. Last year’s annual premium: This year’s annual premium. £ 4,185.31. £ 4,185.31. The premium includes all applicable insurance premium tax (IPT). Dear Ms Damien Lucas. Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 20/04/22 . Good news; if you want cover to continue with us and to make sure you stay protected by our award-winning cover, you do not need to do anything. We will update your policy onto our latest wording and continue to collect payment using the payment details we have for you. You must read the important information contained in this email and the attached documents. Your Hiscox Insurance Premium breakdown. The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). The amount shown as last year’s Annual premium will take into account any changes to the cover which may have been made during the last policy period. Cover. Last year’s annual premium (exc IPT). This year’s annual Premium (exc IPT). Professional indemnity. £5,355.43. £5,355.43. Legal protection. £612.96. £612.96. Crisis containment. £5,062.31. Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy . Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government increase in Insurance Premium Tax as shown. Is our information correct? Your premium and cover are based on what you’ve told us about Howell Inc , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay. . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover. Policy summary for each cover. ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover . As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before 20/04/22 . We’re here between 8:30am - 5:30pm Monday to Friday . Please note that we can only discuss policy changes with people named on the policy. Why renew with Hiscox. - Reassuring: we offer a range of cover options that can be tailored to your needs. - Flexible: we offer full flexibility to change your policy, with no administration fees . - Award-winning cover : we’ve been named Best Small Business Insurer 7 years running by Start Your Business Magazine . Please click this link for the Hiscox Referral Portal: https://refer.aklamio.com/hiscox/uk?source=postpurchase. Thank you again for choosing Hiscox to insure your business. We hope you and your business have a very successful year. Kind regards. Jon Dye. CEO, Hiscox UK. Business Insurance for the small and the brave. To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre. Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. This email and any files transmitted with it are confidential and intended solely for the use of the individual or entity to whom they are addressed. No one else is authorised to distribute, forward, print, copy or act upon any information contained in this email. If you have received this email in error, please notify the sender. Hiscox Syndicates Limited and Hiscox Insurance Company Limited are authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Hiscox Underwriting Limited, Hiscox Underwriting Services Ltd, Hiscox MGA Ltd and Hiscox ASM Ltd are authorised and regulated by the Financial Conduct Authority. Hiscox Assure SAS is duly registered as an insurance broker with the ORIAS, which is the French Official Registry of Insurance Intermediaries. Hiscox plc is a company registered in England and Wales under company registration number 2837811 and registered office at 1 Great St Helen's, London EC3A 6HX. Hiscox SA is a company registered in Luxembourg at 35 Avenue John F. Kennedy 35F, Luxembourg L-1855, and is authorised by the Commissariat aux Assurances de Luxembourg. It’s time to renew your Hiscox Business Insurance Hiscox Insurance policy number : CQK/QQPF/C8Z Company name: Howell Inc . It’s time to renew your Hiscox Business Insurance . Hiscox Insurance policy number : CQK/QQPF/C8Z Company name: Howell Inc . Your Hiscox Insurance premium Last year’s annual premium: This year’s annual premium The premium includes all applicable insurance premium tax (IPT). £ 4,185.31 £ 4,185.31 . Your Hiscox Insurance premium . Last year’s annual premium: This year’s annual premium £ 4,185.31 £ 4,185.31 . The premium includes all applicable insurance premium tax (IPT). Dear Ms Damien Lucas . Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 20/04/22 . Good news; if you want cover to continue with us and to make sure you stay protected by our award-winning cover, you do not need to do anything. We will update your policy onto our latest wording and continue to collect payment using the payment details we have for you. You must read the important information contained in this email and the attached documents Your Hiscox Insurance Premium breakdown The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). The amount shown as last year’s Annual premium will take into account any changes to the cover which may have been made during the last policy period. Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) Professional indemnity £5,355.43 £5,355.43 Legal protection £612.96 £612.96 Crisis containment £5,062.31 Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government increase in Insurance Premium Tax as shown. Is our information correct? Your premium and cover are based on what you’ve told us about Howell Inc , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover Policy summary for each cover ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before 20/04/22 . We’re here between 8:30am - 5:30pm Monday to Friday . Please note that we can only discuss policy changes with people named on the policy. Why renew with Hiscox - Reassuring: we offer a range of cover options that can be tailored to your needs - Flexible: we offer full flexibility to change your policy, with no administration fees - Award-winning cover : we’ve been named Best Small Business Insurer 7 years running by Start Your Business Magazine Please click this link for the Hiscox Referral Portal: https://refer.aklamio.com/hiscox/uk?source=postpurchase Thank you again for choosing Hiscox to insure your business. We hope you and your business have a very successful year. Kind regards Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Thank you for insu ring your business with Hiscox. The anniversary of your policy is approaching on 20/04/22 . Good news; if you want cover to continue with us and to make sure you stay protected by our award-winning cover, you do not need to do anything. We will update your policy onto our latest wording and continue to collect payment using the payment details we have for you. You must read the important information contained in this email and the attached documents Your Hiscox Insurance Premium breakdown The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). The amount shown as last year’s Annual premium will take into account any changes to the cover which may have been made during the last policy period. Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) Professional indemnity £5,355.43 £5,355.43 Legal protection £612.96 £612.96 Crisis containment £5,062.31 Changes to rating To ensure that we continue to provide our customers with great service and all of the benefits of our award winning cover, we have had to increase the rating used to calculate the following sections of cover for certain customers this year: Important changes to your policy Your new premium is shown in the table above and you’l l see the sums insured in your Policy S chedule. We’ve not increased your premium for the year ahead. Your premium includes a government increase in Insurance Premium Tax as shown. Is our information correct? Your premium and cover are based on what you’ve told us about Howell Inc , which you’ll find in the Policy schedule and Statement of fact . You must read the following documents carefully to ensure that all the information is true, complete and accurate. If not, you must contact us immediately as it may affect the validity of the policy, whether we cover a particular claim or the amount we pay . Policy schedule - this will show the sections you are covered for, along with the policy limits, excess amounts and any specific endorsements which apply to the policy. Statement of fact - this will show all the information that you or anyone on your behalf provided which we have relied upon in deciding to accept this insurance and set the terms and premium. Please note that some of the information may have been assumed by us. Summary of change - if there have been any significant changes to the policy, these will be detailed in the attached Summary of change document. This includes any updates to the latest policy wordings and provides answers to further questions you may have about these. Certificate(s) of cover Policy summary for each cover ELTO document - Hiscox is a member of the Employers' Liability Tracing Office (ELTO). We are required to collect certain data about each employer and subsidiary insured. Attached is a summary of the information we currently hold for you. Now is a good time to review your cover As your business changes over time, you may need different insurance. Our experts are on hand to help make sure you have the right products from our range of cover and to tailor them to suit the risks your business faces . You may want to consider: - Public liability insurance: protects your business if you’re blamed for injury or damage to property or possessions. So if you accidentally damage your client’s laptop, you’re covered. - Cyber and data risks insurance: supports and protects your business against data breaches, viruses and other attacks from hackers. We can also help minimise any loss and possible damage to your business and its reputation. Please call us to add these or any other cover options to your policy. Any questions? Any changes? If you have any questions about your policy, would like to make any changes or if you do not want your cover to continue, please call us on 0800 042 0327 before 20/04/22 . We’re here between 8:30am - 5:30pm Monday to Friday . Please note that we can only discuss policy changes with people named on the policy. Why renew with Hiscox - Reassuring: we offer a range of cover options that can be tailored to your needs - Flexible: we offer full flexibility to change your policy, with no administration fees - Award-winning cover : we’ve been named Best Small Business Insurer 7 years running by Start Your Business Magazine Please click this link for the Hiscox Referral Portal: https://refer.aklamio.com/hiscox/uk?source=postpurchase Thank you again for choosing Hiscox to insure your business. We hope you and your business have a very successful year. Kind regards Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Your Hiscox Insurance Premium breakdown The table below shows a comparison of this year’s premium with last year’s premium, for each section of your policy. The premiums displayed include all applicable insurance premium tax (IPT). Cover Professional indemnity Legal protection Crisis containment . Last year’s annual premium (exc IPT) £5,355.43 £612.96 £5,062.31 . This year’s annual Premium (exc IPT) £5,355.43 £612.96 . Cover Last year’s annual premium (exc IPT) This year’s annual Premium (exc IPT) . Professional indemnity £5,355.43 £5,355.43 . Legal protection £612.96 £612.96 . Crisis containment £5,062.31 . Kind regards Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre . Kind regards . Jon Dye CEO, Hiscox UK Business Insurance for the small and the brave . To follow us on social media and for tips, advice and videos from Hiscox and business experts, please click here to visit the Hiscox small bus iness knowledge centre . Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Page / 1 Hiscox Business Insurance Policy wording 17431a - DC565 WORDING 04/17Guide to sectionsIntroduction Policy wordings General terms and conditions Professional indemnity for business management consultants Legal protection Crisis containment Hiscox Business Insurance Policy wording 17431a - DC565 WORDING 04/17IntroductionThank you for choosing Hiscox to protect your business. We hope that the language and layout of this policy wording are clear because we want you to understand the insurance we provide as well as the responsibilities we have to each other. Please read this document, including the policy schedule, policy summary and statement of fact, and let us know as soon as possible if any of the details are shown incorrectly. We always try to deliver to the highest standards of service. Your views are important to us, so if you feel that our service is below the standard you would expect from Hiscox, please contact us on the phone number shown in your policy schedule. Please note that some of the words we use in this insurance are shown in bold type. These words are defined in each section of the wording. Page / 1 Hiscox Insurance Payment schedule Hiscox Underwriting Ltd of 1 Great St Helen's, London EC3A 6HX is registered in England no. 02372789. Authorised and regulated by the Financial Conduct Authority. Thank you for continuing to pay for your policy by Direct Debit. Please check these details and let us know if anything is incorrect or if the schedule is not suitable. Your reference details Account holder name: Damien Lucas Frequency of collection: Annual Sort code: %BANK_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 06 February, 2019 £4,185.31 Where your chosen collection date falls ona non-working day then we will endeavour to collect the next working day. For your information, the collections will be made using the following reference number: Originator Identification Number: 293461 Reference Number: CQK/QQPF/C8Z If you have any questions about your policy or payments, please call us on 0800 280 0351. We’re here between 8:30am - 5:30pm Monday to Friday or you can email us at service@hiscox.co.uk. Using your personal information Hiscox isa trading name ofa number of Hiscox companies. The specific company acting asa data controller of your personal information will be listed in the documentation we provide to you. If you are unsure you can also contact us at anytime by telephoning 01904 681198 or by emailing us at dataprotectionofficer@hiscox.com. We collect and process information about you in order to provide insurance policies and to process claims. Your information is also used for business purposes such as fraud prevention and detection and financial management. This may involve sharing your information with, and obtaining information about you from, our group companies and third parties such as brokers, loss adjusters, credit reference agencies, service providers, professional advisors, our regulators or fraud prevention agencies. We may record telephone calls to help us monitor and improve the service we provide. For further information on how your information is used and your rights in relation to your information please see our privacy policy at www.hiscox.co.uk/cookies-privacy. The Direct Debit Guarantee This Guarantee is offered by all banks and building societies that accept instructions to pay Direct Debits. If there are any changes to the amount, date or frequency of your Direct Debit Hiscox Underwriting Ltd will notify you ten working days in advance of your account being debited or as otherwise agreed. If you request Hiscox Underwriting Ltd to collect a payment, confirmation of the amount and date will be given to you at the time of the request. If an error is made in the payment of your Direct Debit by Hiscox Underwriting Ltd or your bank or building society you are entitled to a full and immediate refund of the amount paid from your bank or building society. – If you receive a refund you are not entitled to, you must pay it back when Hiscox Underwriting Ltd asks you to. You can cancel a Direct Debit at anytime by simply contacting your bank or building society. Written confirmation maybe required. Please also notify us. Page / 1 Hiscox Business Insurance Policy summary JAC-PSC-UK-DC556(5.4) 17431b 07/20 Your Hiscox Business Insurance policy summaries This document contains the summaries for any policy covers you have selected to protect your business. These summaries outline the key information about your policies so you can be confident that you have understood what you have bought and what you are covered for. However, you should carefully read your policy in full and ensure that you understand its terms and conditions in full. If you have any queries, you should contact Hiscox or your insurance advisor. Your side of the bargain Remember, your premium and insurance are based on the details you have provided to us. Please make sure this information accurately reflects your business and that you inform us immediately if anything needs to change. Please also tell us of any changes in circumstances that may affect the services provided by us or the cover provided by your policy. This is particularly important before taking out a policy, but it also applies throughout the life of the policy too. You need to consider: ■if you fail to fairly present the risk to us, including by failing to disclose any information material to the insurance, you could invalidate the policy, claims may not be paid or the amount we pay maybe reduced; ■you should read and check all insurance documents to ensure that you are aware of the cover, limits and other terms that apply; ■if you fail to let us know of any changes to your circumstances during the period of insurance or, if when telling us about such changes you fail to present the risk to us fairly, you could invalidate the policy, claims may not be paid or the amount we pay maybe reduced; ■please be aware of all terms and conditions of your policy because failure to comply with them could invalidate it or result in us not paying a claim or reducing the amount we pay; ■in the event ofa claim, you should take note of the required procedures, such as giving Hiscox prompt notice of the claims, as stated in the policy documentation. In particular, if you fail to notify us when you first become aware ofa shortcoming, fact, or problem, admit you are liable for what has happened or appoint solicitors or other legal representation without our prior written approval, claims or defence costs may not be paid or the amount we pay maybe reduced; ■as with any insurance, you have an obligation to take reasonable steps to mitigate any loss or liability; ■if you make a fraudulent claim or try to deceive us, we may terminate the policy. Policy length The period of insurance is shown on your policy schedule. Your policy schedule will also show if the policy is ona continuing cover basis. If itis ona continuing cover basis, we will renew your policy each year for another 12 months and continue to take payment (including any premium adjustment shown in your renewal invitation) using your existing arrangement, unless you tell us otherwise or if your risk changes. If your policy schedule does not show that the policy is ona continuing cover basis, cover will cease at the end of the period of insurance, unless you renew your policy with us. We will provide you witha statement of fact each year and provided that the information contained within the statement of fact is true, complete and accurate, you do not need to provide us with any further information. If any of the information in your statement of fact is not true, complete and accurate, you must let us know. If you do not let us know, it may affect the validity of the policy or our ability to pay a claim. Retroactive dates, geographical and jurisdiction limits Where any section of your policy schedule includes a retroactive date, we will not make any payment for any claim or loss under that section which arises from any activity performed or any act, incident or occurrence taking place, before the retroactive date. Where any section of your policy schedule shows the geographical limits which apply to that section of the policy, we will only pay for claims and losses under that section which arise from activities performed or acts, incidents or occurrences taking place within those geographical limits. Where any section provides cover in respect of your liability to third parties, we will only cover claims first made ina country within the applicable courts stated in that section of your policy schedule. Hiscox Business Insurance Policy summary JAC-PSC-UK-DC556(5.4) 17431b 07/20 Cancellation rights You can cancel this policy by giving us 30 days' notice. You will only be charged for the premiums due up to the date of cancellation. If we need to cancel the policy, we’ll give you 30 days’ notice in writing and refund any surplus premiums you might have paid. Please note – we may deduct an administration fee from any refunded payment.There is an exception to our 30-day notice period, which is triggered when we don’t receive your Direct Debit payments within the agreed 14-day period. At this point, we will contact you as soon as possible and stop the policyPage / 2 immediately. Underwritten by:Hiscox Underwriting Ltd on behalf of the insurers named in the schedule. Page / 1 Certificate of professional indemnity insurance Howell 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:CQK/QQPF/C8Z Name of policy holder:Howell Inc Period of insurance: From 20/04/22 to 2023-08-30 both days inclusive. This policy isa Continuing cover policy Insurer: Hiscox Insurance Company Limited Retroactive date: Thu 18 August, 2022 Level of cover:£1,000,000 Signed on behalf of Hiscox Underwriting Limited as agent for the insurers Jon Dye CEO, Hiscox UK Notes: (a) This insurance is subject to policy terms and conditions and any special terms notified to the InsuredPage / 1 Hiscox Business Insurance Policy Schedule 14502 10/18 This schedule tells you what is insured with us. It should be read carefully with your policy wording(s) and statement of fact detailed elsewhere in this document. Schedule effective date: 20/04/22 Insurance details Policy number: CQK/QQPF/C8Z Period of insurance: From 20/04/22 to 2023-08-30 both days inclusive. This policy isa Continuing cover policy. Insured: Howell Inc Address: 93 Carter manors Martinbury FARNHAM E6J 3QJ Additional insureds: None Business: Management Consultants Premium details Charged premium – the total amount you’ll pay for this policy. Charged premium: £1,195.65 Insurance Premium Tax (IPT): £7,730.39 Total charged premium: £4,185.31 Annualised premium – the annual premium for this policy. This is given for comparison purposes. Please refer to the charged premium section for the amount you’ll pay for the policy. Annual premium: £1,195.65 Insurance Premium Tax (IPT): £7,730.39 Annual total: £4,185.31 Please note that there will be no refund or additional premium for any transaction which is less than £20 (excluding IPT). Hiscox Business Insurance Policy Schedule 14502 10/18 Summary Claims information If you need to make a claim: - For claims relating to your building or contents please contact our claims team on 0800 247 1902, 9.00am – 5:30pm Monday to Friday. If you wish to make a claim online, you can log most claims quickly and easily through our claims notification portal at https://claims.hiscox.co.uk/. Outside of normal business hours, if you require emergency assistance in relation to substantial damage to your property, you can speak to our 24-hour emergency assistance team using the telephone number above. Your policy schedule will state if property cover is included in your policy. Our out-of-hours emergency assistance team operate ona pay-and-claim basis and you will need to have credit card details available as appropriate. The team will then be able to direct you to essential tradesmen, emergency loss adjusters or disaster management companies in the event of substantial damage. - If there isa claim (or potential claim) against you bya third party, please email us at liability.claims@hiscox.com. If you need to speak to a member of the claims team urgently, please call our team on 0800 711 7156, 9.00am – 5:30pm Monday to Friday. If you wish to make a claim online, you can log most claims quickly and easily through our claims notification portal at https://claims.hiscox.co.uk/. You will need to provide your full name and contact details, the name of your business or organisation, your address and postcode, the policy reference and circumstances of the claim. The Important information and contact details section below contains additional information specific to the covers applicable to your policy. If you are unsure of who to contact please call our team on 0800 711 7156, 9.00am – 5:30pm Monday to Friday. They will ensure you get through to the correct claims team and let you know what actions you need to take. If anything happens that might be covered under the policy, you must comply with the obligations set out in General claims conditions, together with the obligations set out under Your obligations in the section or sections under which you are making the claim. Itis important that you read the policy for details of its terms in full. Your covers This isa summary of each section of your policy. See each section for cover details. Cover Insurance amount Excess Annual Premium (exc IPT) Professional indemnity £1,000,000 £1,000 £5,355.43 Legal protection £100,000 £0 £612.96 Crisis containment £25,000 - £5,062.31 The figures above are in summary only and are not in addition to the amount insured specified against each cover section below. Hiscox Business Insurance Policy Schedule 14502 10/18 SECTION: PROFESSIONAL INDEMNITY – MANAGEMENT CONSULTANTS Cover start date: 20/04/22 Limit of indemnity £1,000,000 Limit applies to in the aggregate, including all costs Excess £1,000 Excess applies to each and every claim or loss, including all costs Geographical limits Worldwide Applicable courts Worldwide (excluding United States of America and Canada) Claims brought in USA or Canada Not covered Additional covers (in addition to overall limit of indemnity stated above) Cover Limit of indemnity Limit applies to Court attendance compensation - employees £250 per person, per day Court attendance compensation - directors and partners£500 per person, per day Court attendance compensation: in total £100,000 in the aggregate Special limits (included within not in addition to the overall limit of indemnity stated above) Cover Limit of indemnity Limit applies to Personal dataPage / 2 claims £250,000 in the aggregate, including all costs Business activities Business management consultant Retroactive date Thu 18 August, 2022 Insurer Hiscox Insurance Company LimitedPage / 1 Hiscox Insurance Summary of change Introduction This document has been created to help you understand the key changes to your Hiscox Insurance policy and how they may impact you. Your policy continues to offer professional, tailored insurance to protect you and give you peace of mind that if you need us, you will be supported by our award winning claims team. If you have a query not covered by this document, or if you have any questions or concerns about your policy you should contact us. Frequently asked questions What if my circumstances change during the period of insurance? If your circumstances change during the period of insurance, you only need to let us know if the change means that any of the information in the Statement of Fact is no longer true, complete and accurate. If there are no such changes, you do not need to let us know. If any of the information within the Statement of Fact becomes no longer complete, true or accurate at any point during the period of insurance you must tell us as it may affect the validity of the policy or our ability to pay a claim. Additionally, if your contact details change then you should let us know straightaway. Where doI find the limits that apply to my policy? You can find your maximum allowable limits for turnover and wage rollin your Statement of Fact. You must check this information and tell us or your broker if you expect to exceed the maximum amounts shown. Please note these values may have changed. If there are special limits or special excesses applying to particular covers or types of losses these will be shown in the policy schedule. Please check your policy schedule carefully as they may have changed. My new schedule shows a different premium to last year? What has changed? If an underwriter has reviewed your policy then they may have manually adjusted your premium, for example if you’ve had claims in the last 12 months. Where doI find out about any endorsements on my policy? You will be able to see if an endorsement has been applied or removed by reviewing your Policy Schedule. If you have any queries or concerns, please contact us or your broker if you have one. Hiscox Insurance Summary of change Professional indemnity for business management consultants Summary of change Changes to the cover The following table shows the differences between our new policy wordings (5570 WD- PROF-UK-MAN(7), 15579 WD-PROF-UK-MAN-AG(3)) and our previous wordings (5570 WD-PROF-UK-MAN(6), 15579 WD-PROF-UK-MAN-AG(2)). This isa summary of the changes only. You should refer to the schedule and policy wording for the full description of the cover in place. Area of cover Previous policy New policy Improvement in cover Claims against you Advertising claims. We will pay claims arising from your advertising or branding for defamation or infringement of copyright or moral rights. This does not include claims for passing off, unauthorised use of trademarks or false or misleading advertising. Previously cover was not restricted to defamation or the infringement of copyright or moral rights.Covered Amended Your own lossesChanges to ‘what is covered’ Losses from dishonesty. Your losses arising from the dishonesty of your employees, sub-contractors or outsourcers.Covered Not covered Area of cover Previous policy New policy Improvement in cover Cyber incident. We will not pay claims relating to an actual or possible cyber attack, hacker or social engineering communication. Previously we excluded any virus not specifically targeted at your system.Covered Not covered Computer or digital technology error. We will not pay claims arising from any negligent act, error or omission in the operation or maintenance of computer or digital technology such as development, installation, patching or upgrading.Covered Not coveredChanges to ‘what is not covered’ Infrastructure. We will not pay claims arising from the failure of the service provided by internet, telecommunications, utilities or other infrastructure providers.Covered Not covered Hiscox Insurance Summary of change Personal data. We will not pay claims relating to personal data. We will pay such claims where they arise from your performance ofa business activity and which is not otherwise excluded. Subject to the limit shown in the schedule.Covered Not covered Other important changes Control of defence. Under the previous wording we had a duty to defend you against any covered claim brought against you. We now have the right but not the obligation to take control of the conduct of the claim including the appointment of legal representation. Please refer to the policy wording for full details. SOC-PROF-UK-MAN(1) 21367 01/21	CQK/QQPF/C8Z	(?<=Policy number - )[-\w_\/\.]+?(?= Company name)	20/04/22	(?<=anniversary of your policy is approaching on )[-\w_\/\. ,]+?(?= \.)	null	null	Business	(?<=time to renew your Hiscox )[-\w_\/\. ]+?(?= Insurance)	2024-02-05

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