Insurance Financial Year 2020/2021
The Council Insurers are Ecclesiastical - web address is
www.ecclesiastical.com
Policy Summary
Charity and Community
Insurance
SUMMARY OF COVER
www.ecclesiastical.com
2 SUMMARY OF COVER CHARITY AND COMMUNITY INSURANCE
What is a policy summary?
This document provides key information about the Charity and Community insurance policy. Please note that this
policy summary does not contain the full terms and conditions of this contract. These can be found in the Charity
and Community insurance policy wording which is available on our website or by contacting us. If you have any
questions please contact us directly or contact your insurance broker.
The sections you have chosen to insure and the applicable sums insured are shown on your policy schedule.
Policy name
Charity and Community insurance
Underwritten by
Ecclesiastical Insurance Office plc. The legal expenses section is arranged by us in conjunction with DAS Legal
Expenses Insurance Company Limited (DAS), with the legal advice service provided by DAS Law Limited and/or a
preferred law firm on behalf of DAS.
Duration of your policy
Generally 12 months from the start date shown on your policy schedule, full details will be shown in your policy
schedule.
Renewal of your policy
We will send you notice that your policy is approaching renewal before it is due. Your requirements may change
over time, so you may benefit from reviewing the value, cover and level of service provided by your policy.
CHARITY AND COMMUNITY INSURANCE SUMMARY OF COVER 3
Key benefits include
We can provide a broad range of cover within one tailored policy with options to include the following:
Property damage • ‘All Risks’ cover for
• buildings including cover for subsidence
• contents, personal possessions; including possessions of volunteers
• contract works in respect of repairs, alterations and extensions to existing
buildings
Fine art • Art and antiques which can be insured on the basis of your valuations
Business interruption • ‘All Risks’ cover including donations and grants as standard
Equipment breakdown • Insurance for a range of equipment including lifts, boilers and air conditioning
systems:
• up to £5,000,000 any one period of insurance for all claims
• up to £500,000 any one accident for computer equipment at your premises
• up to £5,000 for any one accident to portable computer equipment
anywhere in the world
Personal accident • Cover for your permanent employees and volunteers includes cover for:
• Permanent partial disablement
• Disappearance and exposure
Loss of registration/ • Covers your loss of revenue or the depreciation of your financial interest in the
licence premises following the withdrawal of the certificate or licence including
• Education registration
• Care registration
• Premises licence
• Wedding licence
Employers’ liability • Choice of indemnity limits with a minimum of £10,000,000
• Terrorism related incidents up to £5,000,000
Public & products liability • A choice of indemnity limits available and a range of extensions as standard:
• Personal liability extension (beyond that in connection with the business)
covering resident staff and residents
• Overseas personal liability extension covering employees and volunteers
• Additional clean-up costs extension up to £1,000,000 any one period of
insurance, for remediation of accidental pollution and contamination which
you are ordered to make by a regulatory authority
• Terrorism related incidents up to £5,000,000
Hirers’ liability • Providing protection to third party hirers who hire out your premises
4 SUMMARY OF COVER CHARITY AND COMMUNITY INSURANCE
Professional indemnity • Cover for wrongful acts and errors arising from the provision of professional
services or advice
Trustees’ and • Trustees’ and management/Official's liability cover up to £500,000 provided as
management /Official's standard (if the Liabilities section is operative)
liability
Legal expenses • Legal expenses cover for a range of legal issues specified in the policy up to the
limit of indemnity stated in the schedule for legal costs and expenses including
solicitors' and barristers' fees, court costs, expenses for expert witnesses,
attendance expenses, accountants' fees and employment compensation awards
(the latter are further limited to an aggregate limit in total for all such awards in
any period of insurance as stated in the schedule or policy wording).
Fidelity • Fidelity cover protecting you against theft by your employees or volunteers
Cyber • Cover to offer protection for your computer systems following a cyber attack
or data breach including
• Costs of dealing with cyber liability claims
• Costs of investigating any breaches in data privacy and the PR costs of
managing your reputation
• Costs of damage to your computer system and any income losses
• Option to insure for Cyber crime which includes specialist support if you are
the victim of cyber extortion
Reputational risks • Cover for damage to the organisation’s reputation including
• Costs to manage a public relations crisis after an event insured under the
Liabilities, Trustees and management liability and Professional indemnity
sections (with the option to extend this to any incident – limits apply)
• Libel and slander
• Interruption or interference of the business following the death or immoral
act of your Patron
Money • Cover including
• fraud and identity theft
• the doubling of limits before and after a fund raising event
• losses due to dishonesty of any director, trustee, volunteer or employee
Terrorism • Cover for property damage or business interruption
Key benefits continued
CHARITY AND COMMUNITY INSURANCE SUMMARY OF COVER 5
Goods in transit • Cover for accidental damage to your goods whilst in transit
• by road, rail or sea
• by parcel or post
• anywhere in UK and Republic of Ireland
Value-added services • Risk advice
• Public Relations (PR) Crisis & Media Assistance
• Commercial legal advice helpline
• Tax advice helpline
• Counselling helpline for the proprietor, employees and their immediate family
members
• Employment Manual - offering online employment guidance
• DAS businesslaw - offering online business law guidance. Some services are
only available for a fee
We can also provide cover for
• Group business travel insurance
• Enhanced Cyber insurance
• Engineering inspections of plant to comply with statutory Health and Safety requirements
Significant or unusual exclusions/limitations
General • Certain conditions apply in relation to
• Fire extinguishers, fire alarm installations
• Automatic sprinkler installations
• Security devices including intruder alarms
• Buildings unoccupied more than 45 days
• Some cover may be reduced in respect of unoccupied buildings
• Pollution, Electronic risks and War exclusions apply
• Wear and tear, gradual deterioration, faulty or defective design, materials or
workmanship and changes in the water table and frost damage are excluded
• It is a condition that you notify us of any alterations or repairs where the
contract value exceeds £100,000
Property damage • Theft of property must involve forced entry or exit to or from a building
Personal accident • No cover for travel to a destination which the Foreign and Commonwealth
Office has advised against before the journey commences
Loss of registration/licence • No cover for losses caused by your own acts or omission
Employers’ liability • Claimant’s costs and expenses are included within the Limit of indemnity
Key benefits continued
6 SUMMARY OF COVER CHARITY AND COMMUNITY INSURANCE
Public & products liability • Fines and penalties are excluded
• In respect of Products liability, claims arising from contractual liability are
excluded
Trustee & management • No cover for any claims or circumstances which are known to you at the start
liability of cover
• No cover for the organisation under the standard Trustees’ liability cover
• Excludes the administration of any pension fund or scheme
Professional indemnity • No cover for any claims or circumstances which are known to you at the start
of cover
• No cover for claims arising out of any medical advice diagnosis or treatment
Fidelity • Cover will be subject to you complying with minimum standards of control in
respect of supervision, accounting procedures and checking the security of
money or goods
• Conditions apply in respect of obtaining references for employees and
volunteers
Cyber • Data must be backed up at least every 7 days and the system protected with
a virus system or firewall
Legal expenses • You must let DAS know about any problems straight away or they may not
provide cover if you have tried to deal with matters on your own
• Problems must relate to your business activities in order for cover to apply
• Any claims where you are bankrupt or become bankrupt at the start or during a
claim are excluded
• Except in certain circumstances, as specified in the policy wording, cover is
subject to a "reasonable prospects of success" clause. "Reasonable prospects"
is a 51% or greater chance of success, as assessed by a law firm or tax expert
chosen by DAS
• In certain circumstances, you may be free to appoint your own legal
representative, who will be subject to the DAS standard terms of appointment,
including an hourly rate of £100 per hour (any costs that fall outside the
standard terms will not be paid by us)
Reputational risks • It is a condition that you notify us within 48 hours of any adverse publicity
resulting in a Public relations claim (other than where the incident is covered
under the Liabilities, Trustees and management liability or Professional
indemnity section)
Significant or unusual exclusions/limitations continued
CHARITY AND COMMUNITY INSURANCE SUMMARY OF COVER 7
Money • Escort requirements are in place for transporting cash in excess of £3,000
• Excludes fraudulent use of credit or debit cards by you and your representatives
• Identity theft costs must be agreed by us in advance
• Dishonesty cover requires the loss to be discovered within 28 days of its
occurrence
Cancellation rights
We have the right to cancel your policy by sending 7 days’ notice and shall refund to you the proportionate
premium for the unexpired cover, this is shown under the General conditions – Cancellation.
Claims service
You can make a claim through your insurance broker or directly, using the following telephone numbers:
For all claims other than legal expenses:
Call us on 0345 603 8381.
For legal expenses claims:
Call DAS Legal Expenses Insurance Company Limited on 0345 268 9124.
Complaints
If you are unhappy with our products or service, please contact us as soon as possible. You can complain in writing
or verbally at any time to:
For all complaints other than Legal expenses complaints:
Ecclesiastical Insurance Office plc
Beaufort House
Brunswick Road
Gloucester
GL1 1JZ
Tel: 0345 777 3322
Email: complaints@ecclesiastical.com
For Legal expenses complaints:
DAS Legal Expenses Insurance Company Limited
DAS House
Quay Side
Temple Back
Bristol
BS1 6NH
Tel: 0344 893 9013
Email: customerrelations@das.co.uk
Significant or unusual exclusions/limitations continued
8 SUMMARY OF COVER CHARITY AND COMMUNITY INSURANCE
Our promise to you
We will aim to resolve your complaint within one business day.
To resolve your complaint we will
• Investigate your complaint diligently and impartially
• Keep you informed of the progress of the investigation
• For more complex issues, we may need a little longer to investigate and we may ask you for further
information to help us reach a decision
• Respond in writing to your complaint as soon as possible
If you’re not satisfied with our response, or we have not completed our investigation after eight weeks, we’ll inform
you of your right to take the complaint to:
Financial Ombudsman Service
Exchange Tower
London
E14 9SR
Tel: 0800 023 4567
Email: complaint.info@financial-ombudsman.org.uk
Website: www.financial-ombudsman.org.uk
If you have bought your insurance online, you can also register your complaint on the Online Dispute Resolution
website http://ec.europa.eu/consumers/odr/, which has been set up by the European Commission.
This complaints procedure does not affect your right to take legal proceedings.
Financial Services Compensation Scheme (FSCS)
The FSCS is the independent body, set up by Government, which gives you your money back if your authorised*
financial services provider is unable to meet its obligations.
The FSCS protects a range of products for both individuals and small businesses. Limits apply depending on the
product you have bought. The FSCS does not charge individual consumers for using its service. The FSCS cannot
help you if the firm you have done business with is still trading.
For further information on the scheme you can visit the website at www.fscs.org.uk or write to them at:
Financial Services Compensation Scheme
10th Floor, Beaufort House
15 St Botolph Street
London
EC3A 7QU.
Tel: 0207 741 4100 or 0800 678 1100
Fax: 0207 741 4101
Email: enquiries@fscs.org.uk
* The FSCS can only pay compensation for customers of financial services firms authorised by the PRA or the FCA.
CHARITY AND COMMUNITY INSURANCE SUMMARY OF COVER 9
Law applying
This policy (other than the Legal expenses section) shall be governed by and construed in accordance with the law
of England and Wales unless your central administration and/or place of establishment is located in Scotland, in
which case the law of Scotland shall apply.
The Legal expenses section shall be governed by the law that applies in the part of the United Kingdom, Channel
Islands or Isle of Man where your business is registered. Otherwise the law of England and Wales shall apply.
10 SUMMARY OF COVER CHARITY AND COMMUNITY INSURANCE
Notes
CHARITY AND COMMUNITY INSURANCE SUMMARY OF COVER 11
Law applying
The policy will be governed by English law unless you live in Scotland in which case the law of Scotland will
apply (except the Legal expenses section which is subject to the law of that part of the United Kingdom, Channel
Islands or Isle of Man where your business is registered). In the case of a dispute as to which law applies, it will
be English law.
This contract is underwritten by:
Ecclesiastical Insurance Office plc.
Our FCA register number is 113848.
Our permitted business is general insurance.
You can check this on the
FCA’s register by visiting the
FCA’s website
www.fca.org.uk/register
or by contacting the FCA on
0800 111 6768
©Ecclesiastical Insurance Office plc 2019 PD3311 1 1219
Ecclesiastical Insurance Office plc (EIO) Reg. No. 24869. Registered in England at Beaufort House, Brunswick Road, Gloucester, GL11JZ, United Kingdom. EIO is
authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Firm Reference Number 113848.
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