Our Homes-Business policies provides excellent basic insurance protection for people working from home and whose home is now also their office. You will receive simple straightforward cover for your contents, a business interruption, loss of money and liabilities.

Section 1. Contents- What is covered?

Your office contents, business machines, plant and machinery, telephone and fax installations, photocopiers, computers and office furniture. Stock is also covered as standard up to a limit of £1,000

Within that insured total we provide:

• Up to £2,500 for any individual computer and other items of office machinery. Higher amounts can be covered on machines that are itemised.
• £500 any one deed, document, card, tape, film or transparency.
• £500 for computer systems records.
• £1,500 for items such as computers, portable telephone equipment while temporarily removed from your office anywhere in the world but subject to a limit of £500 for photographic or surveying equipment.
• £250 for signs and nameplates.
• Replaced as new, providing that you are insured for their full replacement value, we pay the full replacement costs irrespective of age.
• In addition your sum insured will be automatically reinstated following any loss.

What risks are they covered against?

All are insured against accidental loss or damage, which covers most risks including fire, explosion, theft or hold-up, malicious damage and water damage.

Special features

New external door locks and cost of fitting, up to £1,000 in all, paid if keys are stolen following a hold-up or forcible and violent entry onto your premises.

Repairs and replacement costs to your premises are paid for, if they are your responsibility and caused by damage due to theft of office contents involving forcible entry or exit.

Debris removal and costs up to £1,000 are included.

As a way to help keep premium costs down, we ask you to pay the first £100 of each loss under this section.

The maximum loss for unattended vehicles is £3,000 provided the vehicle has been locked and all windows were closed.

Section 2. Business Interruption- Increased Cost of Working

What risks are you covered against?

If you suffer loss or damage as covered under the contents section, additional expenses reasonably incurred to continue in business are covered.

You are covered for any interruption period of up to 12 months from the date of loss or damage.

If damage is to your office and would increase the cost of working, you can claim the additional expense, for example the cost of fitting out temporary offices, removal costs and expenses, increased rent and rates, and so on.

Section 3. Loss of Money

This covers money belonging to you or for which you have accepted responsibility.

Up to these amounts:

• £2,000 in your premises during business hours, in transit or in a bank night safe.
• £1,000 in your premises out of business hours in a locked safe.
• £500 in your premises out of business hours out of a safe.
• £250,000 for crossed cheques and other non- negotiable items.

Special features

Fraud or Dishonesty of an employee involving loss of money discovered within 7 working days, repaid up to the above limits.

Loss or damage to any safe, strongroom, case, bag or waistcoat used for carrying money, paid for following any theft or attempted theft.

Personal Assault Compensation paid to the principle or employees, following death or disablement caused by an assault in connection with the business. Up to £10,000 for death or loss of one or both eyes or limbs, or £100 per week for up to two years for disablement. Reimbursement of medical expenses up to £250.

Personal effects and clothing lost or damaged following assault covered up to £500 (including £100 money) for each partner, director and employee.

Section 4. Liabilities

This covers your legal liability to pay compensation to:

Employees-For bodily injury, illness or disease arising out of and in the course of their employment in your business. Anyone working for you in order to gain job experience is automatically included. All for up to £10,000,000 for any one occurrence.

Members of the Public-For bodily injury, illness or disease or loss of or damage to property which arises in connection with in your business and arising from trespass or nuisance. All for up to £1,000,000 for any one occurrence. This may be increased to £2,000,000 if required.

All litigation costs and expenses are paid when incurred with the Insurer's agreement.

Also includes:

Personal liability overseas incurred in connection with your business.

Important

Cover under this section is only in respect of clerical work or duties.

This section of cover does not include either products liability or professional indemnity insurance.

Plus practical help in a crisis

If an emergency crisis strikes, telephone helplines are available 24 hours a day 365 days a year. There's the Emergency Helpline, business Legal Helpline and the Tax Helpline, all staffed by helpful, expert advisers, provided by Hambro Assistance.

Security of your Property

The basic level of security normally acceptable to the Underwriters can be briefly summarised as follows:

1. Main door entrance - 5 lever mortice deadlock to British Standard 3621, or rim deadlatch with key locking handle on the inside.
2. Other external doors including Patio doors- as in a. or with Key Operated bolts top and bottom in addition to existing locks.
3. Sliding patio doors- as in b. or with key operated patio door lock mounted internally on central rail(s).
4. Operating windows on ground floor or accessible (eg via a flat roof) key operated window locks.

   Where such security does not exist, the Underwriters may consider temporary cover subject to a £500 excess applying to all claims until such security has been installed. Apply now!

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