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Summary and Guide

The Group policy is underwritten by Sterling Insurance Company Limited (except where otherwise stated).

With Group, you choose the cover you require to match the insurance needs of your group. This document summarises the cover provided by the Group Policy and should be read carefully before you make your selection and complete the Proposal form.

The Policy Summary does not contain the full terms and conditions, which can be found in the policy document. A full policy document is available free of charge from Morton Michel.

You should also read our Terms & Conditions

Public Liability

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.

Limit of Indemnity

£1,000,000 any one cause (higher limits available on request).

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
• administration of drugs/medicines in accordance with policy conditions
• administration/provision of oxygen, gastro feeding, naso-gastric tube feeding, cleaning and changing of feeding and tracheostomy/tracheotomy tubes and emptying/changing of stoma bags in accordance with policy conditions
• 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)
• use of trampolines in accordance with policy conditions
• 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, the administration of drugs/medicines in accordance with policy conditions and the administration/provision of oxygen, gastro feeding, naso-gastric tube feeding, cleaning and changing of feeding and tracheostomy/tracheotomy tubes and emptying/changing of stoma bags 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.

Equipment - Standard Cover

This provides cover for equipment belonging to you/the group, or for which you are legally responsible, against loss/damage resulting from the perils of fire, lightning, explosion, aircraft, theft involving violent and forcible entry or exit, riot or civil commotion, malicious damage, earthquake, impact by vehicles, storm, flood or water damage.

Minimum sum insured: £2,000.

Automatically Included
(subject to adequacy of sum insured)

• debris removal
• damage to the premises caused by theft involving forcible and violent entry provided you are responsible for the repair of such damage
• accidental damage to sanitary ware, underground pipes or cables, up to £1,000
• cost of refilling fire extinguishers if discharged because of a fire
• loss of metered water up to £2,500
• external fixed CCTV equipment and security lighting up to £1,000
• fixed property in the open, including fixed play equipment, (other than for storm or flood) up to £2,500
• replacement of locks and keys following theft of keys up to £1,000
• the structure of any timber or metal sheds at the premises that are used for storage up to
  • £1,500 in total for timber sheds
  • £2,500 in total for metal sheds
  • maximum £2,500 in total overall;
• the contents of any timber or metal sheds at the premises up to
  • £1,500 in total in timber sheds
  • £2,500 in total in metal sheds
  • maximum £2,500 in total overall.
    

Optional Extra

Standard cover for equipment can be extended to allow for accidental damage at the group premises.

Main Exclusions

• the first £100 of each claim
• property not locked in a room, hall, cupboard or shed at the end of every group session
• loss or damage caused by other authorised users of the premises
• terrorism, war and kindred risks

NB: Please keep receipts when you buy any equipment for your group because the insurers need to see these as proof of purchase should you have to make a claim. Claims can be settled much quicker if the receipts can be produced.

Equipment - All Risks

If you regularly use items of equipment away from your group premises, you may wish to insure them against accidental loss or damage anywhere in the UK.

Sum Insured

Full replacement cost of the property.

Main Exclusions

• the first £100 of each claim
• wear and tear
• theft from unattended vehicles
• storm or flood unless the property is contained in an enclosed vehicle or in a building
• electrical or mechanical breakdown
• breakage of brittle articles (unless part of photographic equipment)
• terrorism, war and kindred risks.

Group Money

Covers loss of money whilst

• in transit or in a bank night safe - £500
• on the premises during business hours - £500
• in the home of any authorised group official - £500
• on the premises outside business hours in locked safe - £250

(Higher limits can be quoted for on request.)

Main Exclusions

• the first £50 of each claim
• loss from any unattended vehicle
• money left on the premises during business hours not contained in locked safe, locked desk or locked filing cabinet
• money left on the group premises overnight not contained in locked safe
• fraud or dishonesty of any group official unless discovered within seven working days
• shortages due to error or omission
• dishonoured cheques or use of counterfeit money

Automatically Included

• Personal Assault - Group officials aged between 16 and 70 are provided with compensation if they sustain bodily injury or death following an assault whilst handling money in connection with your business.

Compensation Levels

• death, loss of limb(s), loss of sight or permanent total disablement: £20,000
• temporary total disablement (up to 104 weeks): £50 per week.

Main Exclusions

• the influence of drugs or liquor
• pregnancy, childbirth or any communicable disease

Personal Accident for Group Members, Staff and Children

The majority of accidents are dealt with under Public or Employers' Liability insurance. However, some accidents are not anyone's fault and the group cannot be held responsible. In these circumstances, the Personal Accident insurance will give compensation provided that the accident occurred: a) whilst the victim was engaged in organised and supervised group activities; and b) the victim suffered one of the injuries specified in the chart set out below.

Compensation Level

Injury	Staff and group members aged 16-70	Group Children
Loss of limb(s)	£20,000	£20,000
Loss of sight	£20,000	£20,000
Permanent total disablement	£20,000	£20,000
Temporary total disablement	£50 per week for up to 104 weeks	Not applicable
Death	£20,000	£5,000

Main Exclusions

Any injury or death caused by

• hazardous sports and pastimes
• the influence of drugs or liquor
• pregnancy, childbirth or any communicable disease
• terrorism, war and kindred risks 

Buildings

Buildings and outbuildings can be covered against fire, lightning, explosion, aircraft, theft involving forcible and violent entry or exit, riot or civil commotion, malicious damage. earthquake, impact by vehicle, storm, flood, sudden escape of water or oil, falling trees or branches.

Automatically Included
(subject to adequacy of sum insured)

• accidental damage to sanitary ware, underground pipes, or cables
• architects' and surveyors' fees
• debris removal
• public authorities costs.

Also Covered

• all fixed external glass
• property owner's liability, limit £1,000,000 (higher limits available on request).

Main Exclusions

• the first £200 of each buildings claim
• the first £50 of each glass breakage claim
• subsidence, ground heave or landslip
• fences and gates
• liability arising out of asbestos or its derivatives
• terrorism, war and kindred risks.

Click here to download a quotation form for building insurance.

Loss of Revenue

Provides protection against financial loss during the period taken for the business to return to normal following loss or damage by any of the events covered under the Equipment section. Reasonable costs incurred to maintain the business following loss or damage are included.

The sum to be insured should be based on your estimate of the gross revenue to be earned in the next twelve months (or any longer period that you choose) with allowances for anticipated growth and inflationary factors.

Automatically Included

• unrecoverable outstanding debit balances
• prevention of access due to damage to nearby premises
• loss caused by damage at land based premises of public utilities or telecommunication undertakings
• accidental failure of electricity, gas or water supplies at the terminal ends of the public supply undertaking’s feed to the premises (unless such failure is for a period of less than sixty minutes)
• the occurrence at the premises of poisoning, murder or suicide
• closure due to defective sanitation, vermin or pests
• outbreak of human infectious or contagious disease at the premises
• wages for replacement staff following suspension by OFSTED, or other registering authority, of employees accused of child abuse, up to £2,500.

Main Exclusion

• terrorism, war and kindred risks.

Trustees' and Officers' Financial Liability

If your group is forced to close with insufficient assets to cover outstanding debts, the trustees or officers of your group may find themselves held responsible for such shortfall.

Three levels of sum insured are available for all claims by all trustees and officers of your group.

£5,000 / £7,500 / £ 10,000

The closure of the group must be outside the control of the trustees or officers.

Main Exclusions

• the first £25 or 5% of each claim, whichever is the greater
• fraud, embezzlement, misappropriation or other criminal act of any trustee or officer
• shortfall resulting from dishonoured cheques, use of counterfeit money, clerical/accounting errors or shortages due to error or omission
• losses arising from the closure of the group within the first six months from inception date.

Deterioration of Refrigerated/Frozen Food

Loss by deterioration of stock in any freezer or refrigerated cabinet following breakdown or accidental damage, or failure of public electricity supply.

Sum insured £500 (more if required)

Main Exclusions

• the first £25 of each claim
• equipment more than ten years old.

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

• employment disputes and compensation awards that might arise with your employees (such as unfair dismissal)
• legal defence in the event of a criminal prosecution arising from your business activity (such as alleged child abuse of the children attending your group)
• a legal representative to support you if you are asked to go to the police station for a matter relating to your business
• taxation disputes with HM Revenue and Customs
• contract disputes of over £250, if a client breaks with your contract terms
• recovery of a debt of over £250, if a client fails to pay for your services
• legal action to obtain compensation or an injunction following damage to, or trespass on, your property
• legal action to obtain compensation for death or bodily injury
• loss of registration.

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.
  

Terrorism (optional separate policy)

If you require cover against acts of terrorism, we are able to offer a separate policy that will

• cover most causes of terrorism damage including biological, chemical or radioactive contamination
• apply to all property insured under your Group policy, up to the full value of the sums insured that you have selected
• include cover against loss of revenue and book debts, if required, up to the sum insured under your Group policy.

If you would like a quotation for this extra cover, please contact Morton Michel.

Guide to Security

Special Condition

Customer Service Information

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, Alhambra House, 9 St Michael's Road, Croydon, CR9 3DD
Telephone: 0845 2570900 Fax: 0845 2570547/0548

Demands and Needs
Morton Michel does not make recommendations or provide advice. The Group policy has been designed to meet the demands and needs of group organisations but you will need to make your own choice as to how you wish to proceed.

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