Morton Michel

Group

Insurance For Kumon Centres

Summary and Guide

This document summarises the cover provided by the Kumon Centre policy and should be read carefully before you complete the Proposal Form. Click here for a premium guide.

You should also read our Terms & Conditions

Group - Kumon Centres

Public Liability

Limit of Indemnity

£1,000,000

If you or your group is held legally responsible for an injury to a child or third party, or for damage to a third party's property then you will be required to pay damages. Public liability covers these damages and any resulting legal expenses up to the limit of indemnity.

Automatically Included

accidental damage to the regular meeting place for which you are legally liable
organised and supervised group outings and trips away for a maximum of 3 days (extensions can be arranged)
fund raising events of a non-sporting nature involving group officials, members and their families. Other events and circumstances should be advised to Morton Michel for consideration
legal defence costs and expenses incurred with the written consent of Sterling
food poisoning
incorrectly administered first aid treatment
member to member liability
bouncy castles used by the group for the children attending the group (or other children in their family) in accordance with policy conditions (you may also wish to read the explanatory guidelines available from Morton Michel)
contingent motor liability – provides cover for the group if a motor accident occurs in connection with the group business, for which the group is legally responsible and the car owner does not have the necessary cover in place. This does not replace or include ordinary motor insurance and it does not cover the motor vehicle or its contents. The Group must take all reasonable precautions to ensure that any vehicle used has the appropriate motor insurance. (Morton Michel offers motor insurance schemes designed specifically to support childcare activities. To find out more details about this specialist cover for private cars, people carriers and mini buses, call 0800 975 4898.)

Territorial Limits

anywhere in Great Britain, Northern Ireland, the Isle of Man or the Channel Islands.

Main Exclusions

property belonging to the group, or in its care, custody or control
personal property of staff and members attending the group
use of aerial runways, scrambling nets, tree walks and other structures which have been constructed or partially constructed from materials not originally intended for play or recreational use, e.g.: telegraph poles, tyres and drainage pipes; (please refer to Morton Michel if in any doubt)
vicarious liability
liability arising out of asbestos or its derivatives
terrorism, war and kindred risks
fines, penalties or liquidated, punitive or exemplary damages
treatment (other than first aid treatment and the administration of drugs/medicines in accordance with policy conditions)
inflatable play equipment other than bouncy castles used by the group for the children attending the group (or other children in their family)
activities not advised to and agreed in writing by Morton Michel

Employers Liability

If you are an employer, you are required by law to have Employers' Liability insurance. This covers you in case an employee suffers an accident at work for which you are held legally responsible. Employees include paid or unpaid supervisors, students, work experience students, trainees and volunteers.

Limit of Indemnity

£10,000,000 any one cause. (£5,000,000 if arising out of terrorism)

Automatically Included

legal costs incurred in the defence of criminal proceedings in respect of a breach of the Health and Safety at Work etc Act 1974 - limit £10,000 in any one period of insurance
legal defence costs and expenses incurred with the written consent of Sterling.

Territorial Limits

anywhere in Great Britain, Northern Ireland, the Isle of Man or the Channel Islands.

Legal Expenses

This section is automatically included in your policy. Cover, which is provided by DAS Legal Expenses Insurance Company Limited (DAS), will pay your legal costs including solicitors’ and barristers’ fees, court costs, expenses for expert witnesses, attendance expenses and accountants’ fees.

Limit

£50,000 any one event.

Automatically Included

a legal representative to provide support if you or an employee are asked to go to the police station for a matter relating to your group activities.
legal defence in the event of a criminal prosecution arising from your group activities (such as alleged child abuse of the children attending your group)
employment disputes and compensation awards that might arise with group employees (such as alleged unfair dismissal)

Main Exclusions

costs and expenses incurred before the written acceptance of a claim by DAS
any civil claim which does not offer a reasonable prospect of success

Helplines

Helplines, provided by DAS, that give professional advice and support are automatically included with your policy. They are available 24 hours a day, 365 days a year.

Advice is given on:

Tax: including VAT, self-assessment income tax and Inland Revenue audits.
Legal matters: including employment and contract disputes.
Health and medical information: including food allergies, medication, childhood illnesses, vaccinations, nutrition and exercise.

Help is provided through:

Emergency repair support: giving access to approved contractors for plumbing, electrical, gas and roofing repairs (you will be responsible for the cost of the repair).
Confidential counselling: a valuable support service to help you through those difficult times whether because of stress, anxiety, depression, relationships, bereavement or health related. It includes onwards referral to relevant voluntary and/or professional services, where appropriate.

IMPORTANT

To obtain the full benefit from your insurance it is important that the sums insured are adequate at all times. If they are inadequate then, in the event of a claim, the amount payable will be reduced in proportion to the degree of underinsurance.

It makes sense to review the sums insured regularly, particularly if you have refurbished your premises or purchased new equipment.

Seek professional advice to ensure that the sums insured are correct.

If you have any queries or would like to discuss Group please contact:
Morton Michel, Insurance House, Oliver Grove, London SE25 6EW
Telephone: 020 8768 6700 Fax: 020 8771 6387