This is a summary of cover only. Please refer to the policy wording for full details of the policy cover, exclusions, terms and conditions.
ABOUT THE POLICY
This insurance is underwritten by a consortium of insurers led by Royal & SunAlliance Insurance plc. A full schedule of insurers is listed in the Policy Wording or is available on request.
The Policy Number is ENTCL/01188.
All individual registered members of Visual Arts Ireland who are permanently resident in the United Kingdom, the Channel Islands or the Isle of Man and have paid the appropriate subscription will automatically be covered by this policy.
Members who are resident in the Republic of Ireland are not covered by this policy.
DEMANDS AND NEEDS
This policy meets the demands and needs of individual visual or applied artists requiring insurance against their legal liabilities to pay compensation arising out of injury to third parties and damage to third party property.
DURATION OF THIS INSURANCE
This policy is issued for an annual period commencing 01/07/2015 and shall be renewable annually thereafter. The policy covers incidents occurring during this period of insurance.
This policy is only operative while you are undertaking the preparation, lecturing, teaching and public display of fine or applied art including exhibitions or displays involving live non‐static physical performance.
You will be insured within Great Britain Northern Ireland the Channel Islands or the Isle of Man and while temporarily engaged in Business outside these territories.
This policy will provide you with Public and Products Liability Insurance.
KEY FEATURES OF COVER
This policy provides cover in respect of legal liability for damages including claimant legal costs for;
• Accidental Injury to any person
• Accidental loss or damage to third party Property happening during the period of insurance in connection with the Business.
The limit of indemnity provided is £5,000,000 any one claim (any one period in respect of Products liability)
You will be responsible for paying the first £500 of any claim for damage to third‐party property.
Cross Liabilities (Member to Member Liability)
The policy extends to cover claims made between individual insured members, subject to the terms, conditions and exclusions of the policy.
Indemnity to Principals and Others
The policy will also provide an indemnity to any:
- Contract Principal
- Personal Representatives providing that the claim would have been covered had it been made directly against an insured member.
The policy will also cover Legal Defence Costs arising:
- from any prosecution of any insured member as a result of breach of the Health & Safety at Work Act 1974 or Part II of the Consumer Protection Act 1987 or Part II of the Food Safety Act 1990 or any legislation of similar effect.
- out of the defence of any proceedings in a Court of Summary Jurisdiction in respect of matters which may form the subject of indemnity under this policy.
Compensation for Court Attendance
This policy will pay an insured member £250 for each day they are required to attend court as a witness at the request of the Underwriters.
- Bodily Injury to any Person Employed
- Any process involving the application of heat where the Heat Application Warranty* has not been complied with
- Any special effect involving the use of fire or the use of pyrotechnics other than the use of Flash Paper, Flash Cotton or Flash String
- Risks that require more specific insurance i.e. Use of Motor Vehicles, Watercrafts, Aircrafts etc
- Damage to Property in the custody or control of an insured Member
- Liability for breach of professional duty or inadequate advice
LAW APPLICABLE TO CONTRACT
English Law will be applicable to the contract of insurance between us, unless otherwise stated in your Policy’s terms and conditions.
The language used in this Policy and any communication relating to it will be English.
HOW TO MAKE A CLAIM
In the unfortunate event that you need to make a claim, please contact Hencilla Canworth as soon as possible. Contact details are listed below. Please note that late notification can lead to claims being repudiated.
HOW TO MAKE A COMPLAINT
We are dedicated to providing you with a high standard of service and we want to ensure we maintain these standards at all times. If you feel that we have not offered you a first class service please contact us at the following address and we will do our best to resolve the problem:
Managing Director Hencilla Canworth Limited Simpson House
6 Cherry Orchard Road Croydon
Tel: 020 8686 5050 Fax: 020 8686 5559
If you are unable to resolve the matter with us your complaint may be referred to your insurer.
If you are still dissatisfied you may be able to refer your complaint to
The Financial Ombudsman Service South Quay Plaza
183 Marsh Wall
Tel: 0800 023 4567
FINANCIAL SERVICES COMPENSATION SCHEME
Royal & SunAlliance Insurance plc and all other consortium insurers are members of the Financial Services Compensation Scheme (FSCS).
You may be entitled to compensation from the scheme if they are unable to meet it’s obligations to you under this contract. If you are entitled to compensation under the Scheme, the level and extent of the compensation would depend on the nature of this contract.
Further information is available from
Financial Services Compensation Scheme 10th Floor
15 St Botolph Street
London EC3A 7QU
Tel: 0800 678 1100 Web: www.fscs.org.uk
DETAILS OF OUR REGULATOR
Hencilla Canworth Limited are authorised and regulated by the Financial Conduct Authority. Royal & SunAlliance Insurance plc and all other consortium insurers are authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority.
The Financial Conduct Authority website, which includes a register of all regulated firms can be visited at www.fca.org.uk or the FCA can be contacted on 0800 111 6768.
If you require any further information or wish to request a copy of the full policy wording – Please contact:
Hencilla Canworth Limited Simpson House
6 Cherry Orchard Road Croydon
Surrey CR9 6AZ
Tel: 020 8686 5050
Fax: 020 8686 5559 e‐mail: firstname.lastname@example.org