Standard Cover
The following covers are included as standard:
Contents
The policy covers Commercial "all risks" anywhere in the UK including physical loss or damage, theft following forcible entry to or exit from the building, including accidental damage. Standard limit £5,000.
Employers' Liability
This covers the legal liability of the Parish Council for negligence following death or bodily injury or disease sustained by employees during and arising out of or in the course of their employment, including Corporate Manslaughter and Homicide. £10,000,000 limit of indemnity as standard.Public and/or Products Liability
This covers the Council in the event that a third party suffers an injury or loss as a direct result of the Council's negligence.£10,000,000 limit of indemnity as standard. It also includes:
- Libel and Slander up to a £250,000 limit of indemnity as standard.
- Corporate Manslaughter and Homicide.
- Cover for Fireworks displays and other events upon request.
Money
Includes cover for money when carried by employees, in night safes, safes and small amounts of cash at Principal employees, together with Personal Accident assault cover for persons aged between 16 - 80.
Officials' Indemnity
This covers legal liability for claims arising from any negligent act, error or omission committed in good faith by any employee or official of the Parish Council. £500,000 limit of indemnity as standard.
Hirers' Indemnity
This covers legal liability for hirers of Parish Council property with a £5,000,000 limit of indemnity as standard.
Fidelity Guarantee
This covers acts of fraud or dishonesty of any official of the Council, or a number of officials in collusion, as well as loss of property. £150,000 limit of indemnity as standard.
Personal Accident
This provides cover for Parish Councillors, employees and volunteers involved in accidents whilst carrying out their duties; aged between 16 - 90. £50,000 limit of indemnity as standard. £200.00 per week incapacity benefit.
Commercial Legal Expenses
This provides protection against the cost of potential commercial legal disputes, legal advice and representation £100,000 limit as standard including:
- Employment disputes, Tax disputes and Contract disputes
Motor Loss of Excess and No Claims Discount
This section covers you should your car be involved in an accident whilst undertaking Parish business. You will not be penalised as this section covers the excess up to a limit of £250 and no claims discount up to a limit of £250 that you may lose under your personal car insurance policy.
Increased Cost of Working Cover
This provides protection should the Parish Council incur additional expenditure as the result of an insured event (for example, having to rent office space following a claim at Council-owned premises) we automatically provide cover up to £10,000, reducing the financial impact for the Council.
Loss of Revenue Cover:
Loss of revenue following loss due to damage arising from an insured event under the property damage cover and increased working costs in relation to any additional expense you necessarily and reasonably incur, solely to prevent or limit a reduction in revenue automatically included up to £10,000
*Please note higher limits are available for all these covers upon request.
Aviva are also offering a 5% discount for a 3 year Agreement plus a further 5% No Claims Discount applies to each claim free year up to a maximum of four years or 20%.
Underwritten by Aviva Insurance Limited. Authorised and regulated by the Financial Conduct Authority. A copy of the policy wording is available on request from Came & Company Parish Council Insurance.
"Would you receive the same cover as standard elsewhere?"