Supercover Insurance for Pubs

Product Summary
Please read this document carefully. Full terms and conditions can be found within the Policy Document.
Supercover Licensed Trade Insurance Policy arranged by Supercover Ltd.

The Licensed Trade policy is underwritten by The National Insurance and Guarantee Corporation Limited and will run for 12 months or as shown on the Licensed Trade policy schedule.

Please refer to your policy schedule for full details of any endorsements or excesses that may apply.

STANDARD COVER
Trade Contents (Policy Section 2)
• Available on an "All Risks" basis
• Subsidence is available in most cases
• Underground Services
• Theft damage to buildings
• Personal effects of any one customer, guest or employee (up to £1,000)
• Damage to motor vehicles belonging to customers, guests or employees at Your premises (up to £10,000 any one vehicle)
• Temporary removal of contents for cleaning, renovation, repair or similar purposes up to a limit of 20% of the sum insured
• Outside catering (up to a limit of £1,000 any one claim)
• Cost of replacing locks following loss of keys, by theft or robbery (up to £1,000)
• Seasonal Increases for Stock
• Removal of debris
• Loss of Oil and Metered Water (up to £5,000 during any one period of insurance)
• Property in the open (up to £1,000 for any one claim)
• Sums Insured subject to Index Linking
• Basis of settlement varies for
Stock and Trade Contents
• Reinstatement of Sum Insured following a loss
• Various exclusions apply to vacant or disused premises
• Change in water table level
• Damage to property in the open
• Damage to Stock in Trade resulting from storm, flood, escape of water, leakage of fuel or beverages unless stored at least six inches above floor level
• Property more specifically insured
• Damage by confiscation by authorities
• Damage to any particular piece of equipment or appliance by self ignition, short circuit excess pressure etc
• Damage to glass and sanitaryware other than resulting from fire, lightning or explosion
• Damage to electrical signs
• Any loss only discovered during stocktaking
• Motor vehicles, caravans, boats and accessories
• Domestic pets and livestock
• Wear and tear, the action of light and atmosphere
• Any process of cleaning, dyeing, restoring or repairing
• Corrosion, wet or dry rot, scratching or bruising
• Inherent vice, latent defect, gradual deterioration
• Faulty or defective workmanship
• Erasure or distortion of information on computer systems
• Damage to property in transit
• The excess stated in the schedule does not apply to claims in respect of damage to audio, audio/visual, hi-fi, televisions, trouser presses and tea/coffee making equipment for each and every claim amounting to £1,000 or less
• Employers’ Liability, indemnity limit up to £10 Million (inclusive of legal costs) unless otherwise shown on the schedule
• Public Liability, indemnity limit up to £2 Million (any one occurrence) unless otherwise shown on the schedule
• Products Liability, indemnity limit £2M (in total during any one period of insurance) unless otherwise shown on the schedule
• Cross Liabilities
• Motor Contingent Liability
• House name & Advertisement Signs
• Personal Liability
• Defective Premises Act 1972
• Health & Safety at Work Act 1974
• Consumer Protection and Food Safety Acts
• Damage to Leased & Rented Premises
• Employees Personal Effects
• Guests’ Property (up to £25,000 any one claim)
• Wrongful Arrest
• Compensation for Court Attendance connected to a claim (up to £250 per day)
• Unsatisfied Court Judgements
• Additional Persons Insured
• Injuries to Working Partners
• Non-Manual Work Overseas
• Data Protection Act 1998
• Operation/maintenance requirements apply in respect of solarium & sun-bed equipment
• Injury to Employees resulting from being in or on any of Your vehicles whilst on the road under terms of part VI of the Road Traffic Act 1988
• Excluding manual work way from Your premises (other than collection or delivery)
• Any mechanically propelled vehicle
• Any water or aircraft
• Professional negligence, wrongful or inadequate treatment, examination, prescription or advice given
• Damage to that part of property worked on
• Pollution or contamination unless from a sudden and identifiable unintended and unexpected incident
• Products supplied
• Liquidated damages, fines or penalties
• Punitive, exemplary or aggravated damages

Liabilities (Policy Section 3)
Trade Contents (Policy Section 2) - continued

• Cover for Loss of Income up to £1,000,000
• Up to 3 years indemnity period
• Loss of Book Debts up to £10,000
• Cover follows the Trade Contents section
• Prevention of access
• Failure of public utilities - gas, electricity, water (for at least 30 minutes) or telecommunications
• Unspecified suppliers or booking agencies (up to 25% of the sum insured for brewers, 10% others)
• Local Authority closure of premises due to vermin or defective sanitation
• Pollution of beaches or waterways (limit £25,000)
• Disease, food poisoning, murder, suicide occurring at the premises
• Prevention or hinderance of access to Your premises resulting from the actions or advice of a competent public authority due to an emergency as described within the policy (excluding any loss during the first four hours)
• Reinstatement of the sum insured following a loss
• Cover avoided if business wound up
• Current cost accounting adjustments disregarded
• Payments will be exclusive of VAT
• First Financial Year clause
• Outstanding debit balance recording and storage
• Deliberate loss or corruption of electronically stored information

Loss of Income and Loss of Book Debts (Policy Section 4)
Cover Extensions included as
• Breakage of fixed glass and sanitaryware
• Reasonable boarding up costs
• Damage to frames or framework
• Cost of necessary removal or replacement of fixtures and fittings
• Cost of replacing alarm foil, lettering, painting etc on Glass following breakage
• Fire, Lightning or Explosion or consequent salvage operations
• Removal, installation or repairs/alterations to the Premises
• Damage from theft unless covered under Section 2 of Policy
• Any flawed or broken item at commencement of policy
• Vacant or disused premises
• "All Risks" on signs and nameplates (up to £1,000)
• Wear, tear, action of light or atmosphere, moths, vermin or insects
• Cleaning, dyeing, restoring, adjusting or repairing
• Corrosion, dampness, dryness, rot, scratching or deterioration
• Installation, fitting or removal
• Breakdown, adjustment, maintenance or repair Trade Contents whilst in transit by vehicles owned, hired or leased by You
• Up to £2,000 on contents
• Up to £750 for cigarettes, tobacco, wines and spirits
• Reinstatement of sum insured following a loss
• Theft from unattended vehicles
• Deterioration of goods due to faulty stowage or incorrect setting or operation of the equipment
• Natural deterioration
• Consequential loss due to delay
• Damage to money, jewellery and living creatures
• Spillage, leakage, contamination, deterioration or breakdown unless traceable to fire or road accident

Glass (Policy Section 5 Sub Section 1)
All Risks on Fixed Signs (Policy Section 5 Sub Section 2)
Goods in Transit (Policy Section 5 Sub Section 3)
Cover Extensions included as
Loss of Income and Loss of Book Debts (Policy Section 4) - continued
• Alternative accommodation (including staff) up to 10% of sum insured
Conditions Exclusions
Benefits are payable for injury sustained during robbery or attempted robbery resulting in
• Death
• Loss of limbs or sight
• Permanent total disablement
• Temporary total disablement
• Temporary partial disablement
• Incurred medical expenses
• Damage to Personal Effects (up to £500 per person)
• Persons Insured (partners, directors & employees) must be aged not less than 16 years nor more than 70 years
• Illness or disease not resulting from bodily injury
• Bodily injury due to a gradually operating cause
• Self-injury, provoked assault or willful exposure to needless peril
• Death or disablement contributed to or accelerated by the influence of alcohol or nonprescribed drugs

Personal Accident (Assault) (Policy Section 7)
Cover Extensions included as
Loss of Money
• in transit
• In a bank night safe
• In Your home, or that of your partners, directors or employees
• In Your premises
• Damage to Safes and Carrying Cases
• Personal Money (up to £250 during any one period of)
• Unauthorised Use of Company Credit Cards (up to £500 during any one period of insurance
• Accompaniment requirements for money in transit
• Safe keys and notes of combinations are to be removed from the premises outside business hours
• All cash till drawers must be left open or removed outside business hours
• Losses arising from fraud or dishonesty unless discovered within 14 days of the event
• Shortages due to error or omission
• Losses from unattended vehicles
• Losses in Northern Ireland resulting from riot or civil commotion
• Losses covered by a fidelity guarantee policy

Money (Policy Section 6)
Conditions Exclusions
Loss of an excisable liquor licence from causes beyond Your control giving rise to:
• reduction in gross income
• Reasonable additional expenses incurred in maintaining Your gross income
• Reduction in the value of Your premises and/or business
• Other costs and expenses incurred by You with Our written consent
• Auditors or accountants charges incurred whilst dealing with a claim
• VAT excluded
• Alternative Trading
• Change of circumstances must be notified
• Transfer of licence
• Forfeiture or refused licence renewal
• Any loss where you are entitled to compensation under legislation
• If alteration permission is not granted
• Closure not required by law
• Premises not maintained in a fit state of sanitary condition
• Failure to comply with licensing authority requirements
• Forfeiture or failure to renew licence due to Your misconduct, neglect or failure to keep the licence in force
• Non-renewal of the licence where you had been told that the licence would not be renewed due to town or country planning decisions
• Changes to water table level

Loss of Licence (Policy Section 8)

• Deterioration of frozen foods in frozen food cabinets, deep freezers, cold rooms, or cold stores due to change in
temperature
• We will not be liable for the first 25% of each and every loss where the storage unit is over 15 years old
• Deliberate act of electricity undertaking in terminating or disconnecting electricity supply
• Neglect or misuse
• Wear, tear, deterioration or other gradually operating cause
• Incorrect setting of controls

Loss of Frozen Foodstuffs (Policy Section 5 Sub Section 4)

OPTIONAL SECTIONS
The Structure (Policy Section 1)
• Cover follows that chosen under the Trade Contents section
• Accidental Damage to Underground Services
• Ground Rent (2 years, up to 10% of the Buildings sum insured)
• Public Authorities
• Professional Fees
• Capital Additions
• Removal of Debris
• Damage by Emergency Services (up to £10,000 during any one period of insurance)
• Contracting Purchaser’s Interest
• Index Linking
• Reinstatement of Sum Insured following a loss
• Property more specifically insured
• Damage to Glass or Sanitaryware
• Damage to electrical signs
• Damage caused by the bursting of a boiler due to steam pressure other than in respect of engineering damage
• Various exclusions apply to vacant or disused premises
• Damage due to testing of any boiler, pressure vessel or electrical equipment
• Wear and tear, the action of light and atmosphere
• Any process of cleaning, dyeing, restoring or repairing
• Corrosion, wet or dry rot or scratching
• The normal settlement or bedding down of new structures
• Inherent vice, latent defect, gradual deterioration
• Faulty or defective workmanship
• The collapse or cracking of Buildings
• The cost of normal maintenance, redecoration or repair
• Accidental damage to specified business machines and apparatus
• Installation, cleaning, repair or removal
• Breakdown or defect

Optional Extensions
Extension 1 Accidental Damage to Machinery & Apparatus

Legal Expenses (Policy Section 9)
This section covers legal expenses in relation to the following:
Standard Cover:
• Employment disputes and compensation awards
• Legal defence
• Property protection and bodily injury
• Tax protection
• Statutory Licence Protection
• Contract Disputes
• Debt Recovery
Each of these covers has its own Provisions and Exclusions, in addition to which the General Exclusions apply to the whole section. The purpose of this cover is to pay costs you incur (with our approval) in relation to the legal action, NOT to pay any fines, penalties or compensation you are ordered to pay. In any event, we will not pay any costs incurred prior to our acceptance of the claim, nor any claim reported more than 180 days after you have known about the incident giving rise to the claim. Your policy has full details of the cover and exclusions applicable, both in relation to the individual covers and at policy level. This section is underwritten on behalf of NIG by DAS Legal Expenses Insurance Company Ltd.

Personal Accident (Policy Section 10)
Cover while acting on behalf of the business for specified employees suffering bodily injury:-
• Death, permanent total disablement, loss of eyes, hands or feet - £10,000
• Disablement from usual occupation - £50 per week (max. 104 weeks)
• Change in Circumstances • Flying other than as passenger on bona fide airline
• Winter sports and other hazardous pursuits
• Illness or disease or gradually operating cause
• Self-injury, provoked assault or willful exposure to needless peril
• Influence of alcohol or nonprescribed drugs
• Pre-existing defect
• Failure to obtain or follow proper medical advice
• "All risks" on Household Contents belonging to You or the resident manager or any of their family within the residential portion of Your premises
• Personal effects anywhere in UK
• Anywhere in the world for a maximum of sixty days during any one period of insurance
• Index Linking
• Reinstatement of the sum insured following a loss
• Hearing aids, contact lenses, money, documents motor vehicles, caravans, camping equipment, watercraft, aircraft or animals
• Business items
• Property more specifically insured
• Property left unattended in motor vehicles
• Theft of unattended pedal cycles unless immobilised by a security device
• Sports Equipment (whilst in use)
• Wear, tear etc
• Cleaning repairing adjusting etc
• Corrosion, rot deterioration etc
• Breakdown
• Erasure or distortion of any information
• Confiscation by authorities
• Dishonesty or fraud
• Damage by pets
• Damage in any vacant or disused portion of the Property

Household Contents - "All Risks" (Policy Section 11)

• Loss of your money or goods caused by an act of theft committed during the period of insurance by any Employee described in the Schedule
• Auditors fees incurred with our consent to substantiate the claim.
• Theft committed by any Employee (up to a limit of £3,000).
• Limits of Liability
• Supervision and reference procedure
• Reinstatement of the sum insured following a loss
• Employee references
• Notice of any loss must be made within seven days after discovery of any theft or any reasonable cause or suspicion of a loss
• You shall assist us to obtain reimbursement of any monies we shall have paid
• Recoveries.
• Loss of interest or any consequential loss of any kind
• The amount of the excess
• Any loss caused prior to the commencement date of insurance for any specified Employee.

Fidelity Guarantee (Policy Section 12)

• Observance of Conditions
• Cancellation
• Security
• Interest Clause
• Policy voidable for nondisclosure
• English Law
• Unoccupancy
• Reasonable Precautions
• Fire Extinguishment
• Fire Extinguishing Appliances
• Change of Risk
• Deep Fat Frying Equipment
• Contracts (Rights of Third
Parties) Act 1999
General Conditions
Other features
24 hour business assistance services
Free Helpline services available 24 hours a day, 7 days a week for:-
• Legal Advice on any business problem including Employment, Tax, Contract Disputes etc
• Emergency Assistance - rapid response from reputable local contractors to deal with any sort of emergency on your
premises, including burst pipes, drainage problems, gas, electricity failures, serious roof damage
• Glass Replacement and Locksmith Services - rapid call outs for any glazing or door & window security problems.
Installment Payment Method available in most cases

Your right to cancel
If this cover does not meet your requirements, please return all your documents and any certificate to the Broker,
Intermediary or Agent who arranged the Policy within 14 days of receipt. We will return any premium paid in full.

Termination
If you wish to terminate the contract at any other time, please contact the Broker, Intermediary or Agent who arranged the Policy. Any return of premium will be at the discretion of NIG.

How to make a claim
Please contact, in the first instance, the Broker, Intermediary or Agent who arranged the Policy. Please quote your policy number.

How to complain
If you have an enquiry or complaint arising from your Policy, please contact the Broker, Intermediary or Agent who
arranged the Policy for you or NIG at the address below quoting the Policy Number in all cases.
If you are not satisfied with the way in which a complaint has been dealt with, please write to the Managing Director of NIG at Crown House, 145 City Road, London EC1V 1LP.

If we cannot resolve the differences between us, you may refer your complaint to the Financial Ombudsman Service
(FOS). Their address is: South Quay Plaza, 183 Marsh Wall, London E14 9SR, telephone 0845 080 1800.

Details about our Regulator
The National Insurance and Guarantee Corporation Limited is authorised and regulated by the Financial Services
Authority. The Financial Services Authority website, which includes a register of all regulated firms can be visited at
www.fsa.gov.uk/register, or the Financial Services Authority can be contacted on 0845 606 1234.
Under the Financial Services and Markets Act 2000, should the company be unable to meet all its liabilities to
policyholders, compensation may be available. Information can be obtained on request, or by visiting the Financial
Services Compensation Scheme website at www.fscs.org.uk.
NIG is the trading name of The National Insurance and Guarantee Corporation Limited.
Registered in England & Wales number 42133 at Crown House, 145 City Road, London EC1V 1LP
Authorised and regulated by the Financial Services Authority. Calls may be recorded.

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