The Summary and Guide provide an outline of the cover available under the PreSchool policy.

PreSchool

Summary and Guide

This document summarises the cover provided by the PreSchool policy and should be read carefully before you 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. Please read carefully before you complete the Proposal Form. You should also read our Terms & Conditions

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

PreSchool

Optional Extras

Buildings
Loss of Revenue
Trustees' and Officers' Financial Liability
Professional Indemnity Extension
All Risks
Terrorism (optional separate policy)

Public and Products Liability

If your group is held legally responsible for an injury to a child or a third party, or for damage to a third party’s property, or for defects in goods sold or supplied by you, than you will be required to pay damages. Public and Products Liability covers these damages and any resulting legal expenses up to the limit of indemnity.

Limit of Indemnity

£3,000,000 (higher limits available on request)

Automatically Included

accidental damage to the regular meeting place
organised and supervised outings for a maximum of 3 days (extension can be arranged)
food poisoning
incorrectly administered first aid treatment
administration of drugs/medicines in accordance with policy
administration/provision of oxygen, gastro feeding, naso-gastric tube feeding, cleaning and changing of feeding and tracheostomy/tracheotomy tubes and emptying/changing stoma bags in accordance with policy conditions
member to member liability
vicarious liability (as decided in a Court of Law)
fund raising activities of a non-sporting nature involving members of the group and their families. All other fund raising activities should be notified to Morton Michel for consideration
legal defence costs and expenses incurred with the written consent of Sterling
children with special needs
bouncy castles used by the group for the children attending the group (or other children in their family) in accordance with policy conditions
use of trampolines in accordance with policy conditions
contingent motor liability – provides cover for the group if a motor accident occurs in connection with 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

provision of advice or breach of professional duty
sale and supply of medicines, drugs, syringes, dressings or medical supplies or equipment of any kind whatsoever
property belonging to the group, or in its care, custody or control
personal property of staff and members attending the group

use of adventure playground facilities such as aerial runways, scramble nets and tree walks - which have been constructed or partially constructed from materials not originally intended for play or recreational use, for example: telegraph poles, tyres and drainage pipes. Please refer to Morton Michel if in any doubt.
any unusual or abnormal liability accepted by the group unless approval has been given by Morton Michel/Sterling Insurance Company
liability arising out of asbestos or its derivatives
terrorism, war or kindred risks
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-gastic tube feeding, cleaning and changing of feeding and tracheostomy/tracheotomy tubes and emptying/changing 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 are defined as 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

Personal Accident for 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 compensate the group 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 following chart.

Compensation Level

Injury Staff	Staff 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 (up to 104 weeks)	Not applicable
Death	£20,000	£5,000

Main Exclusions

Any injury or death caused by

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

Group Equipment

This covers your equipment against fire, lightning, explosion, aircraft, theft involving violent and forcible entry or exit, riot or civil commotion, malicious damage, earthquake, impact by vehicles, storm, flood, sudden escape of water or oil, falling trees or branches.

Equipment in a securely locked shed will be automatically covered, but groups can insure the shed itself by notifying Morton Michel of the value of the shed.

Sum Insured

£5,000 (higher values available on request)

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
other 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 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.

Main Exclusions

the first £100 of each claim in respect of equipment in timber sheds
the first £100 of each claim in respect of the shed itself
the first £100 of each claim in respect of accidental damage to sanitary ware, underground pipes and cables.
the first £50 of any other 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 or kindred risks

Optional Extra

This cover can be extended to allow for accidental damage at the groups’ premises

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.

Group Money

This provides protection against loss of money whilst at the premises during business hours, in transit, in a bank night safe or in the home of an authorised group official.

Limit

£500

Main Exclusions

the first £50 of each claim
loss from any unattended vehicle
money left at the group premises overnight
loss due to fraud or dishonesty of any group official unless discovered within seven days
shortages due to error or omission
dishonoured cheques or use of counterfeit money

Personal Assault

Group officials aged between 16 and 70 are automatically 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 diseas

Personal Clothing for Staff and Children

This covers the loss of, or damage to, personal clothing of group staff and children occurring on the premises whilst attending a group session.

Limit

£100 for any one group official or group child.

Main Exclusions

the first £10 of each claim
any amount recoverable under any other insurance
wear and tear.

Group Officials' Personal Money

This covers loss of staff members money that occurs during group sessions at the premises.

Limit

£100

Exclusions

the first £10 of each claim
money left at the group premises overnight
loss due to fraud or dishonesty of any group official
losses not reported immediately to the police and within seven days to Morton Michel.
any amount recoverable under any other insurance.

Legal Expenses

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 preschool)
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 over £250, if a parent breaks with your contract terms
recovery of a debt of over £250, if a parent fails to pay for your service
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 do not offer reasonable prospect of success.

Helplines

Helplines, provided by DAS, that will give you professional advice and support at any time of day or night – 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 onward referral to relevant voluntary and/or professional services, where appropriate.

Your insurance may be extended to include any of the following:

Buildings (optional extra)

(subject to adequacy of sum insured)

Buildings, outbuildings and associated structures 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, burst pipes, sudden escape of water or oil, falling trees or branches.

Automatically Included

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

Also covered

all fixed external glass
property owners liability (limit £3,000,000).

Main Exclusions

the first £100 - £200 of each buildings claim (depending upon construction)
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 (optional extra)

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 balance
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 failures 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 replacements staff following suspension by OFSTED, or other registering authority, of employees accused of child abuse, up to £2,500.

Main Exclusion

terrorism, war or kindred risks

Trustees' and Officers' Financial Liability (optional extra)

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 groups within the first six months from inception date.

Professional Indemnity Extension

including trustees', directors' and officers' indemnity (optional extra)

This extension includes trustees’ / directors’ and officers’ indemnity. Your Public Liability section can be extended to cover your group's legal liability in the event of a group official making an error, or omitting to do something that they should have done, or committing libel or slander; provided that all such actions are unintentional.

Limit of Indemnity

£250,000 and £500,000 are available

All Risks (optional extra)

As an alternative to the specified perils insured by the Group Equipment section, you may prefer to have certain items of equipment covered for accidental loss or damage occurring 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 risk

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 PreSchool policy, up to the full value sums insured that you have selected
include cover against loss of revenue and book debts, if required, up to the sum insured under your PreSchool policy.

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

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 under insurance. 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 PreSchool insurance please contact :
Morton Michel, Alhambra House, 9 St Michaels Road, Croydon CR9 3DD.
Telephone: 0845 2570900 Fax: 0845 2570547/0548.

Guide to Security

Special Condition

Customer Service Information

1 . Sterling Insurance Company Limited

Sterling Insurance Company Limited is a private company limited by shares, registered in England and Wales number 498605. It underwrites general insurance business. It is authorised and regulated by the Financial Services Authority (FSA). The FSA is the independent watchdog that regulates financial services. Our FSA Register number is 202012. You can check this on the FSA’s Register by visiting the FSA’s website www.fsa.gov.uk/register or by contacting the FSA on 0845 606 1234. Sterling Insurance Company Limited is a member of Sterling Insurance Group Limited.
Registered Office: Ambassador House,Paradise Road, Richmond upon Thames, Surrey TW9 1SQ
Branch Office: 50 Kings Hill Avenue, Kings Hill, West Malling, Kent, ME19 4JX

2. Disability Discrimination Act 1995

In accordance with the Disability Discrimination Act 1995 we are able to provide upon request a textphone facility, audio tapes, large print documentation and Braille documentation. Please advise us if you require any of these services to be provided so that we can communicate in an appropriate manner.

3. Law applicable to the contract

We propose to choose English law as the law applicable to the contract unless we agree another choice of law with you prior to the start date.

4. Premiums

Premiums are payable annually to Morton Michel. Insurance premium tax, as imposed by current legislation, is incorporated into all premiums.

5. Promise of satisfaction and service

We are confident that your Preschool policy will bring you complete satisfaction. We undertake to refund the premium in full if you are not satisfied with the cover provided by your policy if it is returned within 14 days of issue, but if there has been an incident which has resulted or could result in a claim you must reimburse the Company for any amounts we have paid or may be required to pay, in respect of that incident.

6. Duration of contract

The first period of insurance under your Preschool policy will be 12 months unless otherwise requested by you and agreed by the Company.

7. Financial Services Compensation Scheme

We are covered by the Financial Services Compensation Scheme (FSCS). You may be entitled to compensation from the scheme if we cannot meet our obligations. This depends on the type of business and the circumstances of the claim. Further information about compensation scheme arrangements is available from the FSCS.

8. Notification of a claim

If you have a claim, or are aware of an incident that could result in a claim, please contact Morton Michel on 0845 2570900 or Sterling Insurance Company Limited on 0845 271 1300.

9. Enquiries or complaints

If you have an enquiry or complaint regarding:

the suitability of this policy for your needs;

the information and advice you received whilst it was originally being discussed;

the operation or administration of the policy

or an enquiry concerning a claim that you may have made; you should contact Morton Michel at Morton Michel, Alhambra House, 9 St Michaels Road, Croydon CR9 3DD. Telephone: 0845 2570900 Fax: 0845 2570547/0548.

If you have a complaint concerning a claim you have made you should contact Sterling Insurance Company Limited, 50 Kings Hill Avenue, Kings Hill, West Malling, Kent, ME19 4JX; telephone number 0845 271 1300.

(A copy of Sterling's complaints handling procedure is available on request by writing to the Customer Services Manager, Sterling Insurance Company Limited, 50 Kings Hill Avenue, Kings Hill, West Malling, Kent, ME19 4JX or by telephoning 0845 271 1300.)

If your complaint relates to the Legal Expenses cover, please write to The Claims Services Manager, DAS Legal Expenses Insurance Company Limited, DAS House, Quay Side, Temple Back, Bristol BS1 6NH or telephone 0800 015 1407.

Please be ready to provide all relevant details of your policy and in particular your policy number (if allocated) to help your enquiry or complaint to be dealt with speedily.

If you are not satisfied with the way in which your complaint has been handled, you may have the right to refer it to the Financial Ombudsman Service at South Quay Plaza, 183 Marsh Wall, London E14 9SR; telephone number 0845 080 1800.

Please note that the Financial Ombudsman Service will normally only consider a complaint once we have issued a final decision letter.

Following this procedure will not affect your legal rights.

10. Information about DAS Legal Expenses Insurance Company Limited

DAS Legal Expenses Insurance Company Limited is a private company limited by shares incorporated in England and Wales under registered number 103274. It underwrites legal expenses business. Its head and registered office is DAS House, Quay Side, Temple Back, Bristol, BS1 6NH. It is authorised and regulated by the Financial Services Authority and appears on the Financial Services Authority's register under number 202106.

11. Morton Michel

Morton Michel is authorised and regulated by the Financial Services Authority (FSA) Our FSA Register number is 308590

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.

This Summary and Guide provides an outline only. A copy of the full policy document is available from Morton Michel on request. Please read carefully before you complete the Proposal Form

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