Arista commercial combined policy 1601 7 the contract of insurance and the underwriters this policy is underwritten by certain underwriters at lloyds and other insurance companies hereinafter called the underwriters and is administered by arista insurance limited in accordance with the authority granted under binding authority. Clearer policy wordings specific to particular sectors. It is a collection of all the professional indemnity insurance documents that may be provided to you, and displays all cover options, features and benefits. When you have bought axa public liability insurance, your own. Further details are contained in the policy summary provided with your policy. This document, any endorsements, certificates and the schedule must be read together as one contract as they form your policy.
A new flexible package product using completely new warranty free policy wording. Your premium has been calculated upon the information shown in the policy schedule and recorded in your statement of fact. Business combined insurance commercial lines axa connect. Rsa, one of the uks largest commercial insurers, has expanded its sme packages book with the launch of an etraded business combined product available via rsa online and the acturis platform. This very flexible packaged product provides tailored insurance solutions and superior business protection. When an event happens that is likely to result in a claim, under the policy, the insured, or any other person covered by the policy must. Combined product disclosure statement and policy wording. For new business and renewals transacted from 01 april 2020 we would like to draw your attention to the important notice to policyholder document outlining changes to the policy wording.
At renewal or revision, policy wordings will not be reissued. Please read this policy together with the schedule to ensure that it meets with the insureds requirements. It is a collection of all the public liability insurance documents that may be provided to you, and displays all cover options, features and benefits available. Commercial combined provides medical and vocational rehabilitation for employee workplace injuries regardless of fault and as standard.
Please also refer to the policy definitions at the end of this policy wording, as policy definitions may also apply to this section. Special provisions apply to this policy wording that may impact upon the compensation payable. Arista insurance commercial combined insurance policy wording and policy documents for download. Commercial combined insurance policies incorporating.
We understand that running a successful small, medium or large business takes years of hard work and the right partnerships. Quick and easier search facility to locate specific documents. A commercial insurance policy where the cover, limits and benefits are tailored to the individual business. You must tell your insurance adviser about any facts or changes which affect this insurance that have occurred since the policy started or since the last renewal date. Santam business insurance commercial insurance santam. Any word or expression to which a specific meaning has. Costs annual premiums per student are set out in the table below and include government charges such as stamp duty and gst. Reference is made in the schedule as to which sections of this policy are applicable. Our commercial combined product is designed for mid market business and provides competitive and essential cover for.
With its broad range of products and included services, we think it represents outstanding value. Arista commercial combined policy 1601 1 policy information this policy has been prepared in accordance with your instructions. Seico insurance policy this policy, any schedule, endorsements or certificates should be read as if they are one document as this policy is a contract between you and us. Exclusive commercial combined policy wording policy information not forming part of this policy this policy has been prepared in accordance with your instructions. Combined product disclosure statement and policy wording 3 4. Policy wording and its attachments and the material incorporated therein the insurers agree to provide insurance in the terms of this policy.
A wide range of sections can be blended together to provide the required cover solution. The policy wording contains a definitions section on pages 8 and 9 and conditions that apply to this insurance at pages 10 and 11. This policy is subject to south african law and the jurisdiction of the courts of the republic of south africa. However, it can be expensive to take out a professional insurance policy to cover each of them individually, which is why many insurance companies offer commercial combined policies covering a wide range of risks associated with your profession.
Rsa releases new etraded business combined product rsa group. Commercial combined commercial combined policy wording in the event of a claim the insured must not negotiate, deny or admit any claim without our written permission. Business combined policy commercial combined package etrade product, policy numbers ending bcp pbcp100420 business combined policy pdf 943kb. Thank you for choosing pen underwriting to provide your commercial combined insurance this is your commercial combined insurance policy booklet, setting out your insurance protection in detail.
Manufacturers wholesalers retailers of parts belonging to motor vehicles. Cover extensions are automatically built into wordings with flexible extension limits displayed clearly on the schedule specific to your customers needs. Our commercial combined insurance covers the majority of business risks faced by smes and midmarket clients in the uk. Our commercial combined product provides your clients with a policy where the cover, limits and benefits are tailored to the individual business. Business combined policy 5 your policy your policy about your insurance policy this insurance policy is made up of this policy wording, the statement of fact and the schedule which shows the sums insured, the limits of liability, the premium the policyholder will pay and any other terms which apply to the policy. Business combined policy wording business combined policy wording. Please refer to your policy wording for full terms and conditions. Your premium and the other terms of your policy have been calculated upon the information shown in the policy schedule and recorded in. Commercial combined insurance business combined towergate. Please read if carefully to ensure that it meets your requirements. Businesses face numerous legal risks from all quarters these days, risks which could sink smaller scale enterprises if the right insurance is not in place. Business combined policy commercial combined email product, policy numbers ending bus pcom120816 business combined policy pdf 676kb archive pcom1015 business combined policy pdf 626kb archive pcom1209 business combined policy pdf 586kb archive pcom110211 business combined policy pdf 326kb. Commercial combined policy wording gb underwriting.
Please read it carefully to ensure that it is in accordance with your requirements and that you understand its. Please read it carefully to ensure that it meets your requirements. Highly configurable commercial insurance product for small and medium sized businesses smes, business combined, launched to uk brokers. Please check to ensure that all correct pa ges of all included sections are contained in this document. Manufacturer wholesalers retailers of safety equipment. Should you have any questions, please contact your insurance agent. Commercial combined insurance qbe european operations. In return for payment of the premium shown in the schedule, we agree to insure you, subject to the. Pflt010119 motor fleet insurance policy wording pdf 720kb kflt010119 motor fleet insurance summary pdf 347 kb. The policy, the statement of fact andor declaration made by you and the schedule should be read together and form the contract of insurance between you and us. We have been making some big improvements to our commercial combined proposition that will help you.
It sets out the details of your insurance contract with us. Property damage insurance and business interruption insurance. Please read it carefully to ensure that it is in accordance with your requirements and that you understand its terms and conditions. Archs commercial combined insurance policy is designed for businesses that manufacture, fabricate, wholesale, warehouse or provide services. However, it can be expensive to take out a professional insurance policy to cover each of them individually, which is why many insurance companies. It sets out the details of your insurance contract with covea insurance. This is a core product for arch, and we have a long history of expertise in the sector. Business combined is the simplest way to etrade bespoke cover for customers requiring a mix. It is not our intention that the contracts rights of third parties act 1999 gives. The policy booklet must be read together with the schedule and statement of facts as one document. This policy wording comes into effect on 1 november 2008 and replaces retrospective all previous new national esteem policy wordings.
Combined product disclosure statement and policy wording corporate passport travel ah 12007. As such commercial combined insurance is the goto policy for warehouses, wholesalers, manufacturers, workshops, factories, importers, exporters and distributors, and more. Gi version 1 010615 gi commercial combined policy wording 2015 page 2 this policy is underwritten by certain underwriters at lloyds, effected through genesis underwriting pty ltd as the coverholder. When you have bought axa public liability insurance, your own policy documents will be tailored to include. Gi version 1 010615 gi commercial combined policy wording 2015 page 3 duty of disclosure what you must tell us under the insurance contracts act 1984 the act, you have a duty of disclosure. Commercial combined policy this policy is designed to provide property and liability covers for businesses and commercial enterprises. The latest version of the product literature is available to download above.
The schedules and any endorsements thereto and the policy wording shall be r ead together and any word or. Policy wording commercial combined policy wording intasure. Executive commercial combined policy excluding commercial legal expenses thank you for choosing covea insurance. Your policy your policy is a contract of insurance between you and us and you have a duty to make a fair presentation of the risk to us in accordance with the law. Please read the policy and schedule carefully to ensure that the cover meets your requirements. The ticks and crosses are used throughout this document to identify those items that are covered and those that are not. Rsa releases new etraded business combined product rsa. Commercial legal protection including cover for employment disputes and contract disputes. Discounted rates on thermal imaging surveys identifying minor and major faults and helping to keep business disruption to a minimum.
Words in the singular shall include the plural and vice versa. If you need a version prior to those shown or need any other information about our products please contact your broker. Commercial combined insurance policy please read this policy and the schedule which forms part of the policy to ensure it meets your requirements introduction the insurers and the insured agree that a this policy the schedule including any schedule issued in substitution and any endorsements shall be considered one. Policy wordings and schedules are available electronically. Policy definitions a definition is a statement of the meaning of a word, phrase or term.
Commercial insurance we understand that running a successful small, medium or large business takes years of hard work and the right partnerships. The term combined refers to the fact that material physical loss or damage to your property and liabilities towards your employees and third parties are insured under one policy contract. The policy wording, schedule and any endorsements must be read together. The policy covers a variety of risks, but its main pillars are liability and business insurance. Sme wordings and summaries qbe european operations. Business combined is the simplest way to etrade bespoke cover for customers requiring a mix of material damage and liability covers. Rsa, one of the uks largest commercial insurers, has expanded its sme packages book with the launch of an etraded business combined product available via rsa online and the acturis platform business.
These cover benefits must be read in conjunction with your policy wording and policy. You are required before you enter into, renew, vary, extend or. Your online library of customers commercial and personal policy documents. Commercial combined policy direct business insurance. Arista insurance commercial combined insurance policy. Page 2 of 29 policy contents 03 introduction 04 the agreement 05 making a claim 06 what to do if you have a complaint 07 insuring agreement 08 general definitions 10 general conditions 17 general exclusions 20 section 1 public liability 27 section 2 employers liability. It sets out what is and is not covered under the policy you have purchased and explains key contractual obligations that apply to you and to us. Our business insurance expertise comes from understanding every aspect of risk your business may face and ensuring that you are covered for it. We offer up to 18 different covers, making our commercial combined package one of the most comprehensive available in the uk market. A commercial combined policy insures a number of risks associated with your business. Mar 17, 2017 highly configurable commercial insurance product for small and medium sized businesses smes, business combined, launched to uk brokers. Eurolaw commercial legal advice unlimited access, over the telephone, to a team of lawyers for. Your policy describes the cover for which we have accepted your premium.
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