Morton Michel

Toy Library

A Toy Library is defined in the policy as an organisation which lends or hires toys, play equipment and safety equipment to pre-school playgroups, parent and toddler groups, creches and similar groups. If your organisation does not conform to this definition, please discuss with Morton Michel.

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

This document summarises the cover provided by Morton Michel’s Toy Library policies 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.

You should also read our Terms & Conditions

Toy Library

Optional Extras

Buildings
Loss of Revenue
Trustees' and Officers' Financial Liability

Other Insurances

Terrorism

Five dedicated helplines Legal, medical, tax and VAT, household emergencies and a confidential counselling line. These have specialists on hand to give confidential and practical advice 24 hours a day, 365 days a year, anywhere in the UK.

Public and Products Liability

Legal liability for accidental bodily injury to the children or public or damage to their property caused by

negligence by you or the employees
defect in the toys, equipment or any goods sold or supplied for which you are legally responsible.

Limit of Indemnity

£2,000,000 (higher limits are available on request)

Automatically Included

accidental damage to the regular meeting place
member to member liability
fund raising activities of a non-sporting nature involving members of the toy library 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 Insurance Company Limited
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. ( Motor 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 9754898 .)

Territorial Limits

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

Main Exclusions

liability arising from or caused by the use of toys or equipment by the hirer or borrower
provision of advice or breach of professional duty
liability arising from or caused by the sale or supply of medicines, drugs, syringes, dressings or medical supplies/equipment of any kind
liability arising from or caused by toys or equipment made/repaired by the toy library (NB: all toys and equipment should be inspected regularly and replaced/repaired/maintained as necessary)
loss, destruction or damage to property belonging to the toy library, or in its care, custody or control (but see section on Toy Library Equipment)
personal property of staff (but see sections on Personal Clothing for Staff and Toy Library Officials' Personal Money)
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)
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 legally responsible. Employees are defined as paid or unpaid staff, students, work experience students, trainees and volunteers.

Limit of Indemnity

£10,000,000
(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 Insurance Company Limited.

Territorial limits

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

Group Equipment

This covers your toys and equipment against theft (involving forcible and violent means), fire, lighting, explosion, malicious damage, storm, flood, burst pipes, sprinkler or oil leakage, impact, earthquake, riot or civil commotion, aircraft, falling trees or branches, whilst the toys and equipment are contained in your premises.

Sum Insured

£3,000. (higher values available on request)

Automatically included
(subject to adequacy of sum insured)

accidental damage to sanitary ware, underground pipes or cables at your own business premises, up to £1,000
debris removal
damage to sanitary ware, undergropund pipes or cables at your own business premises, up to £1,000
costs of refilling fire extinguishers if discharged because of fire
loss of metered water up to £2,500
external fixed CCTV equipment and security lighting up to £1,000
replacement of locks and keys following theft of keys up to £1,000
the structure of any timber or metal sheds at the premises used to store Group Equipment when not in use 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 used to store Group Equipment when when not in use up to
- £1,500 in total in timber sheds
- £2,500 in total in metal sheds
- maximum £2,500 in total overall

Main Exclusions

loss or damage whilst out on loan or hire
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 when not in use
theft which does not involve violent and forcible entry to the premises
loss or damage caused by other authorised users of the premises at which the equipment is located
terrorism, war and kindred risks

Optional Extra

This cover can be extended to allow for accidental damage to equipment at the group’s premises

Group Money

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

Limit - £500

Main Exclusions

the first £50 of each claim
loss from any unattended vehicle
money left at the toy library premises when the toy library is closed for business
loss due to fraud or dishonesty of any toy library official unless discovered within seven days
shortages due to error or omission

Personal Assault

Toy library 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 disablement: £10,000
temporary total disablement (up to 104 weeks): £30 per week

Main exclusions

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

Group Officials Personal Money

This covers loss of staff members' money whilst on toy library business.

Limit - £100

Main Exclusions

the first £10 of each claim
money left at the toy library premises overnight
loss due to fraud or dishonesty of any toy library official
dishonoured cheques or use of counterfeit money
any amount recoverable under any other insurance

Group Officials Personal Clothing

This covers the loss of, or damage to, personal clothing of toy library staff whilst on toy library business.

Limit - £100 for any one toy library official

Main Exclusions

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

Goods in Transit

Covers your toys and equipment whilst in transit in any vehicle that you own or operate.

Limit - £500 in any one vehicle (higher limits available on request)

Main Exclusions

the first £50 of each claim
theft from any unattended vehicle
breakage of brittle articles unless caused by fire, theft or collision.

Personal Accident for Permanent and Temporary Staff

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

Compensation Level

Injury	Staff aged 16-70
Loss of Limb(s)	£10,000
Loss of sight	£10,000
Permanent total disablement	£10,000
Temporary total disablement	£30 per week for up to 104 weeks
Death	£10,000

Main Exclusions

any injury or death caused by engaging in hazardous or sports pastime
any injury or death caused by the influence of drugs or liquor
terrorism, war and kindred risks

Legal Expenses

Cover, which is provided by DAS Legal Expenses Company (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 toy library)
a legal representative to provide support 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
recover of a debt of over £250, if a parent fails to pay for your services
legal action to obtain compensation or any 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 give professional advice and support are automatically included with your policy. They are available 24 hours a day, 365 days of the 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.

Optional Extras

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

Buildings (optional extra)

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, sudden escape of oil or water, falling trees or branches.

Automatically included

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 owners liability (limit £2,000,000).

Main exclusions

the first £200 - £300 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
boundary walls (unless built of brick or stone with mortar)
theft, riot or malicious damage losses not reported immediately to the police and within seven days to Morton Michel
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 Group 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 the 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 then 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

Main Exclusion

terrorism, war and kindred risks.

Trustees' and Officers' Financial Liability (optional extra)

If your toy library is forced to close with insufficient assets to cover outstanding debts, the trustees or officers of your toy library 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 toy library.

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

£5,000/£7,500/£10,000

The closure of the toy library 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.

Customer Service Information

Other Insurance

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 Toy Library policy, up to the full value sums insured that you have selected

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 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.

Morton Michel will discuss any aspect of the Toy Library polcy and provide prompt settlemtn of smaller claim on a direct basis

If you have any queries or would like to discuss Toy Library insurance please contact Morton Michel, Alhambra House, 9 St Michael’s Road, Croydon CR9 3DD. Telephone: 0845 2570900 Fax: 0845 2570547/0548. www.mortonmichel.com.

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