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Property Damage - Buildings and Contents Insurance Cover - Underwritten by Aviva
There is a choice of cover for your buildings and contents – Specified Contingencies or All Risks.
Specified Contingencies includes loss or damage from specific causes: fire, lightning, explosion, aircraft, riot and civil commotion, malicious damage, earthquake, storm, flood, falling trees, telegraph poles, radio/TV aerials and fixed satellite dishes, escape of water from any tank, apparatus or pipe, impact, escape of fuel from any fixed oil heating installation, theft or attempted theft,
· Replacement of locks following loss of theft of keys up to £1,000
· Fire Brigade Damage to landscape up to £10,000
· Loss of Metered Water up to £10,000
· Trace and Access of water or oil up to £10,000
· Cover for Oil Tanks and contents up to £2,500
· Freezer contents up to £500
· Wines and spirits up to £500
· Accidental loss, destruction or damage to fixed glass and sanitary ware
· Damage to Lamps, Signs and Nameplates max £500 per item
· Accidental damage to Underground Pipes and cables for which you are responsible
· Computer Equipment up to £2,000 – optionally this can be increased
· Green & Playing Fields Cover up to £2,000 – optionally this can be increased
All Risks - includes all of the above plus accidental loss or destruction of or damage to the insured property (both building and contents)
You can include Subsidence, Ground heave and landslip cover (subject to acceptance and additional premium)
ExcessYou can choose £100, £250, £500, or £1,000 excess for both buildings and contents cover £1,000 excess under subsidence cover.
Main exclusions – Damage due to changes in the water table level, wear and tear and gradual deterioration. Theft from any building incapable of being locked or where you or any trustee is involved or caused by a person lawfully on the premises, theft without forcible an violent entry/exit, Damage caused by defects or faulty workmanship, frost, dampness or dryness, vermin or insects, corrosion, rust or rot, mechanical or electrical breakdown, damage to gates, fences and property in the open by wind, storm, flood or dust. Damage while the building is unoccupied/disused (not used for more than 30 days) by escape of water, theft and malicious damage. Theft or attempted theft by trustees or any person lawfully in the premises
Terrorism cover is excluded, however we can arrange a separate terrorism policy if required.
Public and Product Liability including libel and slander
Standard Limit of Indemnity £2Million – optionally this can be increased to £5Million.
Provides protection against your legal liability for injury to the public or for loss of or damage to property not owned by you or in your custody or control.
· Indemnity to hirer - Also automatically included is cover for individuals and/or groups hiring your hall for a private function who have no public liability cover of their own. This cover is only provided for non-commercial activities, which are for the benefit of local community.
· Any business hirers should arrange their own insurance.
Main exclusions are (Unless agreed in writing at an additional premium):
· Work at height where the drop exceeds 10 meters
· Sponsored walks, rides, marathons or similar events
· Fire work displays or bonfires
· Bouncy castles and other inflatable devices
· Bodily injury to any person taking part in; contact sports including martial arts, joisting competitions, it’s a knockout type competitions, Donkey Derby races, go-karting, parachute jumping, paragliding, parascending, bungee jumping and abseiling
· Events involving; weapons, passenger carrying amusement devices, remote controlled model aircraft
· Loss or damage to property in your custody or control, pollution caused gradually over a period of time
Also included as standard is cover for libel and slandercommitted by trustees, committee members and employees in the course of their duties.
· Libel & Slander: Limit of Indemnity £100,000
Employers Liability Cover
Employers’ Liability cover is required under law relating to compulsory insurance for injury to employees including voluntary helpers.
· Limit of Indemnity £10,000,000 including costs and expenses in respect of any one claim or series of claims arising out of one cause.
Optional Covers:
· Playground Equipment (subject to satisfactory playground questionnaire)
· Property belonging to others
· Marquees
· Loss of License
· Legal Expenses Cover
Legal Expenses covers legal costs arising from a variety of incidents In connection
with your business
o Limit of Indemnity £50,000
o Legal advice available on the Legal Helpline
· Money & Assault Cover
Cover is available for loss of money belonging to the village hall with the following
limits
o Money in Transit £1000
o Money in the private residence of Village Hall Trustees, directors, principals or Employees £500
o Money in safe £1000
o Personal Assault cover is automatically included.
· Revenue Protection – Business Interruption
Provides cover if your business is interrupted following an insured loss under the Property Damage Section which results in reduced earnings and increased running costs.
· Personal Accident Cover
Cover for Accidental Bodily Injury with the following benefits £5,000 in respect of death, permanent loss of sight or hearing, permanent loss of limbs. The age limit is 65 and cover is available for contract employees and trustees only.
o £50 a week Temporary Total Disablement
o £25 a week Partial Total Disablement
· Employee Dishonesty Cover
Protects you against loss of money and other property following theft or fraud by employees, committee members or volunteers.
o Limit of Liability £25,000
o Excess £250
· Trustee Indemnity Cover
Protects trustees for loss or any bodily injury arising from a claim as the result of a wrongful act
o Limit of Liability £100,000, £250,000 or £500,000
o Excess £250
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