nelson policies at lloyd's · bouncy castle (12f x 12f) x 8 bouncy castle (15f x 15f) x 4...

NELSON POLICIES AT LLOYD'S

To be read in conjunction with the Policy Wording to which it shall form part of.

General Leisure Schedule

Date of Issue : 07/06/2017

Primo PlcBroker :

Schedule No : NP020009/05/17

The Insured : James Duffy

Trading As : King of the Castles

Premises to which this

Policy applies :

Unit B - Lendline Ltd, Printworks Lane, Manchester, Greater Manchester

M19 3JP

Business Description : Owner and Operator of Leisure Equipment

Section 2 - Business Interruption & Book Debts Not Covered

CoveredSection 1 - Property

Section 4 - Good in Transit Not Covered

Section 5 - Money Not Covered

Section 6 - Fidelity Guarantee Not Covered

Section 8 - Public & Products Liability Covered

Section 7 - Employer`s Liability Not Covered

Section 3 - Loss of Licence Not Covered

Not CoveredSection 9 - Directors & Officers Liability

Not CoveredSection 10 - Legal Expenses

Section 1 - 9 Certain Underwriters at Lloyd's 100%

Schedule of Underwriters

UMR : B1262BW0135016

of 23 Printed Date / Time :07/06/2017 10:35 AMNPL_Schedule_LEISURE.rpt (1.000)

Nelson Policies at Lloyd's is authorised and regulated by the Financial Conduct Authority (FCA) for general insurance business only. FCA

reference number is 305456.

CONTINUATION OF SCHEDULE

FORMING PART OF AND ATTACHING TO POLICY NUMBER : NP020009/05/17

Insurance Premium Tax : £ 198.44

No£ 1,984.40The Premium Payable : Instalment Plan :

00:01 18 May 2017 TO 24:00 17 May 2018The Period :

£ 0.00 £ 2,182.84Total Amount Payable :Administration Fee :

Signed

L Preston

This insurance is not valid unless this schedule has been signed by a duly authorised person.






The Sections

Basis of Cover: Reinstatement other than stock (Indemnity)

SECTION 1 - Buildings

Not Covered

Sums InsuredSECTION 1 - Contents

Machinery, Plant and All other Contents including

Gaming & Amusement and Entertaining Equipment,

Computers & Electronic Equipment

Floodlights

£ 70,000

Not Covered

SECTION 1 - Stock

Not Covered

SECTION 1 - Playing Surfaces

Not Covered

SECTION 1 - Specified Items (anywhere within Territorial Limits)

Not Covered

Optional Extensions

Subsidence

Terrorism

Not Covered

Not Covered

SECTION 2 - Business Interruption & Book Debts

Not Covered

SECTION 3 - Loss of Licence

Not Covered

SECTION 4 - Good in Transit

Not Covered

SECTION 5 - Money & Assault

Not Covered






SECTION 6 - Fidelity Guarantee

Not Covered

SECTION 7 - Employer's Liability

Not Covered

SECTION 8 - Public and Products Liability

Limit of Indemnity (Any one claim or series of claims arising from one

occurrence including costs and expenses and in the aggregate in respect of

products extensions. Aggregate means the maximum the Company will pay for

all Insured events)

Annual Turnover excluding USA & Canada

£ 5,000,000

Annual Turnover USA & Canada

Not Covered

Not Covered

SECTION 9 - Directors & Officers Liability

Not Covered

Section 10 - Legal Expenses

Not Covered






Description Deductible

Policy Deductibles

Section 1 - Subsidence £ 1,000.00

Section 1 - Flood £ 250.00

Section 1 - Deterioration of Stock Not Applicable

Section 1 - Plate Glass £ 100.00

Section 1 - Replacement Locks £ 100.00

Section 1 - Specified Items Not Applicable

Section 1 - All Other Losses £ 250.00

Section 2 - Business Interruption & Book Debts Not Applicable

Section 3 - Loss of Licence Not Applicable

Section 4 - Goods In Transit Not Applicable

Section 5 - Money Not Applicable

Section 6 - Fidelity Guarantee Not Applicable

Section 7 - Employers Liability Not Applicable

Section 8 - Public & Products Liability £ 250.00

Section 9 - Directors & Officers Liability Not Applicable

Section 10 - Legal Expenses Not Applicable






This quotation is valid for a period of 30 days from the date of quotation.

Based on Your demands and needs Underwriters shall agree to incept cover under and solely

within this Policy on the condition that You provide the following information within the time

scales specified below:-

1) The attached Statement of Fact

You are not required to sign the Statement of Fact but You should read it carefully in

conjunction with the quotation to verify that all of the statements contained therein is correct.

If any statements are incorrect You must notify Underwriters prior to the inception of this

Policy Insurance

2) Payment

To be paid in full within 30 days of inception of this Policy

Underwriters reserve the right to amend the terms and conditions of Your Policy including

the premium or to withdraw cover after review and acceptance by Underwriters of the

required information.

We will inform You of our intention to amend the terms and conditions including the premium

or to withdraw cover within 14 days of receiving the required information.

In the event that You fail to comply within the time scale specified we may amend the terms

and conditions of Your Policy including the premium or withdraw cover.

If this occurs we will communicate our intentions to you in writing within 14 days of the expiry

of the time scale outlined above.

If we amend the terms or premium as a result of actions described above, then You will have

14 days to accept or reject the revised basis. In the event You reject the revised basis, time

on risk premiums will be payable by You.

Subjectivities

Other Interested Parties

Not Applicable

Special Additional Conditions






Inflatable and/or Equipment Hire and/or Operators - Covered Equipment

It is noted and agreed that We will not indemnify You under the Public & Products Liability section of this

Policy for liability resulting from any equipment other than that disclosed to Us and shown as covered

below:-

Covered equipment disclosed to Us:-

4 X Sof Play Sets maximum 120 tems

Actvity Bouncy Castle (20f X 20f) x 1

Adult Castle (25f x25f) x 1

Assault Course/Obstacle Course x 6

Ball Pond (8f X 8f) x 2

Bouncy Castle (15f X 8f) x 1




Bouncy Castle (15f X 15f) X 4

Bouncy Castle (12 x 14f) x 6



Bouncy Castle (15f X 12f) X 2

Bouncy Castle With Slide (16f X 14f) X 3

Clown Domes (15f X 12f) x 1

Clown Domes (15f X 15f) x 1

Gladiator x 1

Gladiator Joust (16f X 16f) x 1

Infatable Bungee Run (30f X 12f) x 1

Infatable Disco Dome x 1

Infatable Dome Bouncy Castle (15f X 15f) x 2

Infatable Football X 1

Infatable Party Tent (15f X 15f) x 1

Infatable Slide Platorm Under 20f X 5

Infatable Twister x 1

Mobile DJ

Pillow Wars x1

Unclimbable WallX 1

Bouncy Boxing x 1

Sumo Suit x 1

Total Wipeout x 1

Fun Run 30f X 10f x 2

Increased Deductible(s)

It is hereby noted and agreed that an Increased Deductible of £500 applies to Section 8 Public & Products

Liability in respect of Bodily Injury claims arising from or in connection with pillow wars activity.

Hazardous Actvites Exclusion

Applicable to Secton 7 EmployersL iability and Secton 8 Public & Products Liability:






We will not indemnify You in respect of any claim arising in connecton with any of the following actvites

whether contngent or otherwise:

Rodeo Bulls, Mult Rides of any nature whatsoever.






Additional Policy Warranties

Height Exclusion - No Work above ground level

We shall not indemnify You under Sections 7 Employers Liability & Section 8 Public Liability of this

Insurance against legal Liability or defence costs arising from any work carried out on the outside of any

building or structure other than when working wholly at normal ground level.

Incident Log Condition

It is a Condition Precedent to Our liability under Section 8 Public & Products Liability that

You shall keep a log of all incidents where a user of the equipment sustains any form of injury, no

matter how trivial. Such log shall include:

a) the date and time of the incident;

b) the names and ages of the person(s) involved and contact details of the parents (if applicable);

c) name and contact details of the hirer and any independent witnesses;

d) whether independent medical advice was provided by a first aider;

e) a brief summary of the event.

Inflatable Exclusion - Public Use

We will not indemnify You for legal liability or defence costs where equipment is used on licenced

premises or other premises or events that are open to the public unless:

a) You or Your Employees supervise the use of the equipment at all times;

b) Where the equipment is on licensed premises, it is operated in a fenced, glass-free area.

Inflatable Exclusion - Second Hand Equipment

We will not indemnify You under Section 8 Public & Products Liability for legal liability or defence costs

arising from the sale of sell second-hand inflatables You know, or should have been expected to know

was is in a dangerous condition.






Inflatable Exclusion - Wet Hire Equipment Only


Liability or defence costs arising from use of the following equipment:

a) bouncy boxing;

b) inflatable slides with a platform height of over ten (10) feet including items

featuring slides of over ten (10) feet;

c) ibar fly;

d) velcro Olympics;

e) velcro walls;

f) surf simulators;

g) unrideable bikes;

h) trampolines;

i) swing boats;

unless operated and supervised by You or Your Employee at all times.

Inflatable Operators / Hirers - Section 8 Public & Products Liability Definitions

It is noted that the following special Definitions apply to Section 8 Public & Products Liability:-

Controller

The person, organisation or hirer (those who hire to others) having the overall control, including

responsibility for maintenance, of the inflatable device.

Operator

The person over the age of 18 and appointed by the controller to be in charge of the operation of the

inflatable at any time when it is intended to be available for public use.

Inflatables Exclusion - Domestic Inflatables


caused by or arising from the use, operation or hire of any inflatable device, inflatable slides or other

“toy” inflatables designed or classed for domestic use.






Inflatables Exclusion - Extreme Weather


caused by or arising from the use, operation or hire of any inflatable device;

a) when being operated by You and/or Your Employees during;

i. Heavy rain as categorised as codes 13, 14 or 15 by the met office;

ii. Wind with a gusting speed of twenty five (25) miles per hour or more;

b) When being hired out by You the terms of hire must make the hirer aware that the equipment

must be deflated and not used during;

i. Heavy rain as categorised as codes 13, 14 or 15 by the met office;

ii. Wind with a gusting speed of twenty five (25) miles per hour or more;

This exclusion shall not exclude legal liability or defence costs the equipment is being deflated due to

extreme weather conditions.

Inflatables Exclusion - Inflatables Exceeding 20ft in height


caused by or arising from the use, operation or hire of any inflatable device which exceeds 20ft in height.

Personal Protective Equipment Condition

It is a Condition Precedent to Our liability under this Insurance that;

1. All Employees are made aware of the dangers of not using personal protective equipment

2. Personal protective equipment provided to all Employees

3. A register maintained which demonstrates that all Employees have received appropriate training

and are fully conversant with the way in which to access such personal protective equipment

Product Origin

It is a Condition Precedent to Our liability under Section 8 Public & Products Liability that all goods

and/or Products are sourced from suppliers from within the European Union, Australia, New Zealand,

Switzerland, Norway, United States of America or Canada only.

Proprietary Brands Only Condition

It is a Condition Precedent to Our liability under Section 8 Public & Products Liability that only

proprietary brand products will be used and that these are used and stored in accordance with the

manufacturer's instructions.






Rights of Recourse Condition

It is a Condition Precedent to Our liability under Section 8 Public & Products Liability that You

maintain full rights of recourse against any manufacturer or supplier with whom You have entered into a

legal contract for the provision of Products as defined in this insurance.






Inflatable Code of Conduct Condition

It is hereby noted and agreed that it is a Condition Precedent to Our liability under Section 8 Public &

Products that You must ensure that:

a) all inflatables are visually inspected at the start of each hire for any:

i) any rips, holes or bulges; or

ii) signs of damage which could cause the equipment to fail

and appropriate repair undertaken before the hire commences;

b) all inflatables are correctly staked down at all anchor points (usually a minimum of six (6)) and guide

ropes, where applicable, must be used.

c) any inflatable sited on a hard surface such as concrete, wood or tarmac has adequate heavy

sand-bags attached to the anchor points to secure the inflatable;

d) safety mats be used for entry/exit points when the inflatable is sited on a hard surface;

e) every hirer is given a terms and conditions of hire form at the start of the hire and written

safety/operating instructions (or similar);

f) all electrical equipment have Portable Applicant Tests (PAT) done on an annual basis. This includes

blowers, extension reels and Residual Current Devices (RCDs);

g) RCD's (power breakers) must always be used and installed at the source and not attached to the

blower or extension reel socket;

h) that the age group of the users (e.g. children) is suitable for the size and type of inflatable;

i) any exposed electrical connections are fully waterproofed prior to use using specially designed

waterproof outdoor electrical connections;

j) a slip-sheet is used on inflatable slides to prevent users from falling through a split seam;

k) Operators must ensure that responsible adults will be available to supervise children while playing on

Your inflatables at all times;

l) You and Your Employees have training and knowledge to understand the procedures and rules

regarding the safe use/operation of such devices;

m) where You hire the equipment to a third party and you do not supervise the operation of the

equipment, the equipment is installed on site, inflated, tested and deflated by You or Your Employees;

n) where You hire the equipment to a third party and You do not supervise the operation of the

equipment, the hirer assumes the responsibility of ensuring:

i) the maximum age (or height) and maximum number of users permitted on the inflatable as

determined in the manufacturer's guidelines or recommendations;

ii) No food or drink (including gum) shall be used on the equipment;

iii) that all users remove their footwear and where applicable, glasses;

iv) that no person over the age of sixteen (16) is permitted on the equipment unless such

equipment bears the prefix “adult” unless to retrieve an injured child and all other children are

not on the equipment;

v) where “adult” use is permitted, adults and people under the age of sixteen (16) are not

permitted to participate on the same equipment at the same time;

vi) that no persons shall be permitted to use the equipment if appearing to be under the

influence of alcohol or drugs or otherwise intoxicated.

Where You are supervising the hire, the onus shall be on You to enforce the requirements of i)

to vi) above;

o) the equipment is:

i) maintained and operated in accordance with British Standard BS EN 14960:2006;

ii) inspected annually to ensure that it complies with British Standard BS EN 14960:2006

You shall retain a copy of the inspection certificate which You will be required to produce in the

event of a claim;

p) there is a system of check in place to ensure that the equipment carries up to date PIPA tag and

certification;

q) You belong to at least one of the following associations:

i) British Inflatable Hirers Alliance (BIHA);

ii) National Association of Inflatable Hirers (NAIH);

iii) Association of Inflatable Manufacturers, Operators, Designers and Suppliers (AIMODS).






Total Participant to Participant Exclusion

It is noted that the participant to participant liability exclusion under Section 8 Public & Products Liability

of the Policy Wording is deleted and replaced as follows:-

We shall not indemnify You against legal liability or defence costs in respect of Injury caused by any

member, player or participant or official of Yours to any other person whilst such member, player,

participant or official.

Bungee Run Condition

It is a Condition Precedent to Our liability under Section 8 Public & Products Liability that:

A. a suitable supervising adult must be in attendance at all times whilst the equipment is in use to

ensure safe operation;

B. users of the equipment must not be stretched along the bungee by another party;

C. socks must be worn by all participants whilst using the equipment;

D. the bungee chord is anchored to the wall end by a method recommended by TIPE (The Inflatable Play

Enterprise www.tipe.co.uk);

E. runs anchored with the use of karabiners or welded metal parts are excluded.

Inflatable Operators / Hirers - General Definitions

It is hereby noted and agreed that the General definition of Gaming, Amusement and Entertainment

Equipment contained within the Policy wording is restated as follows;

Gaming, amusement machines, snooker or pool table, bingo, casino and other entertainment equipment

including but not limited to special lighting and sound equipment, including tapes, records, compact

discs, mini discs and inflatable equipment.

For the purposed of this Endorsement inflatable equipment shall mean:

fairground equipment consisting of airfilled structures made from flexible fabric that are inflated by one

or more blowers and rely on air pressure to keep their shape. Such structures are designed to allow

users to bounce, slide or climb on.






GENERAL LEISURE STATEMENT OF FACT

The Insured : James Duffy

Schedule No : NP020009/05/17

IMPORTANT INFORMATION

The Statement of Fact is a record of information that you the Insured have provided to your

Broker, Intermediary or Agent and any assumptions Underwriters have made about the Insured

and the Insureds Business upon which this insurance quotation is based.

The Statement of Fact and Schedule are incorporated and form part of the Policy and should be

read together as one contract.

The Insured must take care when answering any questions Underwriters ask by ensuring that all

information provided is accurate and complete. If Underwriters establish that the Insured

deliberately or recklessly provided Underwriters with false or misleading information Underwriters

may for example:

• treat this Policy as if it had never existed and refuse to pay all claims and return the premium

paid, Underwriters will only do this if Underwriters provided the Insured with insurance cover

which Underwriters would not otherwise have offered;

• amend the terms of insurance. Underwriters may apply these amended terms as if they were

already in place if a claim has been adversely impacted by the Insureds carelessness;

• charge the Insured more for the Policy or reduce the amount Underwriters pay on a claim in the

proportion the premium the Insured paid bears to the premium Underwriters would have charged

the Insured;

• cancel the Policy in accordance with Underwriters Cancellation Rights.

The Insured are not required to sign the Statement of Fact but should read it carefully in

conjunction with the Schedule to verify that all of the information contained therein is correct.

If any of the information is incorrect the Insured should immediately notify the Broker,

Intermediary or Agent who is responsible for arranging this Policy on their behalf.

Neither I nor any Directors, Partners, Officers or Committee Members in the business have ever;

Financial

CorrectØ been declared bankrupt or insolvent either as a private individual or in

connection with any business

CorrectØ been subject of a court judgement in respect of debt either as private

individuals or in connection with any business

CorrectØ been officers of a company that has been declared insolvent, or had a receiver

or liquidator appointed, or entered into arrangements with creditors in

accordance with the Insolvency Act 1986

CorrectØ been convicted of any offence or have any prosecutions other than for a

motoring offence






Business

CorrectThe business is solely based in and trading from Great Britain, Northern Ireland,

Isle of Man or the Channel Islands

Neither I nor any directors or partners in the business have ever:

Insurance

CorrectØ had an insurance contract cancelled or declared void to a breach of a policy

condition or due to non-disclosure or misrepresentation of a material fact

CorrectØ had insurance cover restricted or cancelled due to non-compliance with risk

improvement requirements

CorrectØ made a claim or suffered an incident that could give rise to a claim in respect

of business insurance in the last 5 years

The buildings insured are entirely constructed of:

Premises

CorrectØ Walls: brick, stone, concrete or other non-combustible material

CorrectØ External covering of roof; slates, tiles, concrete or other non-combustible

materials

CorrectAll premises are and will be maintained in a good state of repair

CorrectAll premises are not in an area with a history of flooding or where flood warnings

have been given in the past 5 years

CorrectOur business is the sole occupant of the Premises

CorrectThe Buildings insured and/or occupied by You at the Premises (including internal

partition walls, cold stores or rooms) are not constructed or formed of any

insulated panels (composite or sandwich panels) with a rigid or expanded core

material made from foams, plastics, glass fibre or any other high density mineral

fibre

CorrectThe Premises are not grade listed

Intruder Alarm

All Buildings at the Premises are:-

CorrectProtected by an NSI or SSAIB approved Redcare or Dual Com Intruder Alarm

system with level 1 police response

The Intruder Alarm System is:-

CorrectAnnually maintained under contract

CorrectMonitored by central station






Subsidence

Not ApplicableAll premises have not suffered nor are showing signs of subsidence, landslip or

ground heave

Not ApplicableThe properties either side of our premises have not suffered nor are now showing

signs of subsidence, landslip or ground heave

Not ApplicableTo our knowledge the vicinity is not susceptible to subsidence, landslip or ground

heave

Not ApplicableAll premises are not in the immediate vicinity of any river bank, railway,

embankment or cutting, cliff or quarry, mine or underground working or on made

up ground

Not ApplicableThere are no trees or shrubs over 20ft height within 30ft of the Premises

Loss of Licence

Not ApplicableWe are not aware of any environmental planning, compulsory purchase or

similar local authority legislation likely to affect the future of our licence

Not ApplicableThere are no matters pending which are likely to affect the future of the licence






Liability and Risk Assessments

Not ApplicableWe have fully documented toilet and cleaning programmes in place with

documentation signed by the operatives concerned and retained

Not ApplicableWe have fully documented spillage inspection and cleaning programme in place

with documentation signed by the operatives concerned and retained with all

spillage / clearance procedures which cover the scope and extent of cleaning

duties carried out with documentation signed by the operatives concerned and

retained

CorrectThe electrical installation has been inspected and tested by a qualified

electrician within the last 5 years with any remedial work to ensure electrical

safety subsequently having been completed

CorrectAll portable electrical appliances (typically any appliance that plugs in,

including DJ equipment) available on site are being inspected and tested by a

competent person at least annually and are labelled with the next test date

CorrectAll external general waste bin(s) (wheelie bins) are either secured at all times

in a position against the perimeter railings (for example a heavy duty chain

and padlock), at least 3 metres clear of the buildings or a waste receptacle with

a lockable metal lid is provided and the lid secured when not in use

CorrectWhilst it is recognised that cutting and welding hot work will rarely be carried

out on site, there is a formal `permit to work` system in place

Not ApplicableAny deep fat frying equipment is fitted with a separate, high temperature limit

control of a non-resetting type to shut off the heat source should the

temperature of the fat exceed 230c

Not ApplicableAn annual maintenance contract to clean all equipment is in force and

implemented and records kept

Not ApplicableAll extraction hoods, canopies, canopy exhaust plenums, filters and grease

traps are thoroughly cleaned over the entire internal and external areas by the

removal of all greasy and oily deposits and other waste materials every month

CorrectAny flat roof is inspected by a competent person on a regular (at least every

two years) to confirm its continued integrity and a brief report produced and

any remedial action is identified is attended promptly

CorrectA fire risk assessment has been conducted

CorrectAn accident book is supplied and is used to record details of the exact

circumstances of any accident; accompanying witness statements where

relevant, photographs etc., and records are retained with the completed

accident book sheets for at least 3 years

CorrectDocumented health & safety risk assessments have been completed with the

results communicated to relevant staff and/or volunteers and a signed record

kept

CorrectAny sub-contractors engaged for work at the Premises are required to provide

evidence of current public liability insurance

CorrectRegular and recorded checks of the car park areas are undertaken and any

defects rectified

CorrectNo combustible material is stored near to or against buildings






CorrectAll fire extinguishers are subject to an annual servicing inspection contract with

a FETA or BAFE approved company

CorrectWe have not entered into any agreement assuming liability for injury, illness,

loss or damage for which we would not have been liable in the absence of such

agreement

Not ApplicableWe do not employ or hire paid door staff

Not ApplicableWe do not charge in excess of £7.50 for entry to any events at the Premises

Not ApplicableWe do not have a late licence after 1am

Not ApplicableWe do not have in excess of 20 dance floor events per annum

Not ApplicableAny deep fat frying equipment is fitted with a thermostat to prevent the

temperature of the oil/fat rising above 205°c (or the manufacturers

recommended temperature, if this is less than 205°c)

Work Away

Work away from the business premises does not involve the use of:

CorrectWe do not work outside of Great Britain, Northern Ireland, Isle of Man or the

Channel Islands

CorrectWork away from the business premises does not involve the use of; welding or

cutting or other equipment involving the application of heat

Correctcradles and/or other lifting equipment

Correctwhere bona fide sub-contractors are used, we ensure they are insured for public

and products liability insurance

Directors & Officers

Not ApplicableThe club have a positive net worth as stated in the last annual reports and

accounts

Not ApplicableThe auditor`s report in the last annual report and accounts are qualified

Not Applicableclaims have not been made against any past or current director or committee

member or the Proposer or its subsidiaries

Not ApplicableThe proposer is not aware, after enquiry of any circumstances or incident which

may give rise to a claim

Additional Information & Declarations to variances to statements above

None






Can Underwriters cancel my policy?

Yes, but only under certain circumstances which are fully explained in the policy wording.

Cancellation will sent to you in writing to your last known address not less than 30 days notice of

cancellation.

Can I cancel my policy?

You may cancel the insurance at any time if you wish to do so please send written confirmation to

the Broker Intermediary or Agent who arranged the Policy.

Cooling off Period

You have the right to cancel this contract of insurance, without giving any reason, within 14 days

of the policy start date.

If you exercise your right to cancel during this initial period of cover, you will be entitled to a

refund of the premium paid, as long as you broker has received your written instructions and

provided that you have not made a Claim.

Any refund will be subject to a deduction for any time you have been covered and for any costs

incurred by in issuing the policy.

Useful Information

How do I 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

We are dedicated to providing a high quality service and We want to ensure that We maintain this

at all times. If there is an occasion when service does not meet Your expectations in the first

instance please contact:

The Compliance Officer, Syndicate 1110 @ Lloyd’s, Level 7, Building 1 Minster Court, Mincing

Lane, London. EC3R 7AA.

In the first instance, We will review Your complaint and hope to resolve the matter. We will

investigate the circumstances regarding Your complaint and write to You within two weeks with

Our response.

If You are not satisfied with Our response, or have not heard from them within two weeks, You are

entitled to refer the matter to Lloyd’s. Lloyd’s will then conduct a full investigation of Your

complaint and provide You with a written Final Response.

If You wish to ask Lloyd’s to investigate Your complaint You may do so by contacting:

Complaints, Lloyd's, One Lime Street, London. EC3M 7HA

Email: [email protected]

Telephone: +44 (0) 20 7327 5693

Fax: +44 (0) 20 7327 5225

Web: www.lloyds.com/complaints

Please remember that You will have to refer Your complaint to the Financial Ombudsman Service

within 6 months of receiving Lloyd’s Final Response.

You may have the right to refer Your case to the Financial Ombudsman Service. This also applies if

You are insured in a business capacity and have an annual turnover of less than GBP 2 million and

fewer than ten staff.

The FOS can be contacted at:

The Financial Ombudsman Service, Exchange Tower, London. E14 9SR.


Phone: 0800 023 4567/ 0300 123 9123

Making a complaint will not affect Your legal rights. If You appoint someone to act on Your behalf

or if You ask someone else to act on Your behalf You should provide Us with written authority to

allow Us to deal with them You will pay their costs.






How to complain - continued

If, following our review, you wish to ask Lloyd’s to investigate your complaint.

Lloyd’s will then conduct a full investigation of your complaint and provide you with a written final

response

You may do so by contacting:

If your complaint concerns Section 10, Legal Expenses, please contact the Customer Relations

Department at ARAG plc where it will be reviewed at the appropriate level. ARAG Customer

Relations Department can be reached in the following ways:

Telephone: 0117 917 1561 (hours of operation are 9am-5pm, Monday to Friday excluding bank

holidays, for our mutual protection and our training purposes, calls may be recorded).

E mail: [email protected] or

Write to ARAG plc, 9 Whiteladies Road, Clifton, Bristol, BS8 1NN

Policyholder and Market Assistance (PAMA)

Lloyd’s

Fidentia House, Walter Burke Way,

Chatham Maritime

Kent ME4 4RN


Telephone +44 (0) 20 7327 5693

Fax +44 (0) 20 7327 5225

www.lloyds.com/complaints

Complaints that cannot be resolved may be referred to the Financial Ombudsman Service, South

Quay Plaza, 183 Marsh Wall, London, E14 9SR. Tel 0800 023 4567 (free from a landline) or 0300

123 9123 (charged at the same rate as 01 and 02 number on mobile phone tariffs).

www.financial-ombudsman.org.uk. This complaints procedure is without prejudice to the insured

practice’s right to take legal proceedings.

Complaints regarding Section 10 which cannot be dealt with by the FOS, will be referred for

independent arbitration. The arbitration shall be subject to the Arbitration Acts and the arbitrator’s

decision shall be binding on the parties.

Sensitive Information

Some of the personal information we ask you for may be sensitive personal data, we will not use

such sensitive personal data about you or others except for the specific purpose for which you

provide it and to provide the services described in your policy documents.

Information sent to ProSight Specialty Underwriters Limited is held in accordance with the Data

Protection Act 1998.






Employers Liability Trading Office (ELTO)

In accordance with the Employers Liability Insurance: Disclosure by Insurers Instrument 2010

made by the Financial Services Authority (FSA) we will be required to provide some of your

information to the Employers Liability Tracing Office (ELTO). The information that we supply in

accordance with this requirement will be added to an electronic database that will be managed by

the Employers Liability Tracing Office (ELTO), it will be subject to periodic update and certification

and will be audited annually:

Access to the database and the information stored on it will assist claimants, their appointed

representatives, employers’ liability insurers and other persons or entities with legal access to the

information to:

· identify which insurer (or insurers) provided employers’ liability insurance during the

relevant period(s) of employment; and

· identify the relevant employers’ liability insurance policies.

The information supplied to the Employers Liability Tracing Office will include:

· Policy number(s)

· Employers’ previous and current names and addresses (including subsidiary companies)

· Coverage dates

· Companies House Reference Numbers (where relevant)

· Her Majesty’s Revenue and Customs Employers Reference Numbers

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nelson policies at lloyd's · bouncy castle (12f x 12f) x 8 bouncy castle (15f x 15f) x 4...

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