Public & products liability insurance

Summary of cover

What is a summary of cover?

It is an outline of key cover benefits and limitations. For the full cover terms and conditions, please refer to the policy wording which will prevail in the event of a claim or dispute.

Who underwrites this insurance?

This insurance is arranged and administered by Suited and underwritten by the Insurer, Admiral Business, a trading name of Able Insurance Services Limited, on behalf of Admiral Insurance (Gibraltar) Limited.

Where am I covered?‬

All policies cover your activities within Great Britain, Northern Ireland, the Channel Islands and the Isle of Man including travel between any of‬‭ these. Some policies may be extended to cover other territories as specified in your Schedule.‬

What is insured—significant features and benefits

This cover will respond if you are accused of:

✔ Causing bodily Injury or property damage‬‭ to property‬‭ belonging to others‬‭.

✔ Causing accidental bodily injury, loss or damage to material property‬‭ arising from a sudden,‬ identifiable, unintended, and unexpected incident of pollution or contamination; the use of any‬ vehicle, trailer, or plant where compulsory insurance is not required; obstruction; trespass or nuisance;‬ interference with any right of way, air or light, or wrongful arrest, detention, imprisonment, or‬ conviction.

✔ Causing accidental property damage to employees' and visitors’ vehicles and property in your custody and control.

The cover will also provide:

✔ Indemnity to Principal—The benefits provided by‬‭ this insurance extend to include any principal who‬ you are completing a contract for, to the extent required by the contract conditions.‬

✔ Up to £250 per day / up to £5,000 in total any one claim in respect of Court Attendance Cost

✔ Breach of statutory duty under health and safety legislation (covers legal costs and expenses)

✔ Manslaughter, corporate manslaughter, corporate homicide (covers legal costs and expenses)

What is not insured—significant or unusual exclusions or limitations

This cover will not respond to claims in relation to:

✗ Loss or damage to property you own, hire or rent.

✗ The use of explosives; The erection or repair of buildings or structures more than 20 metres in height;‬ or Excavation work more than 3 metres in depth, unless disclosed to and accepted by Us before the‬‭ start of the Policy.‬

✗ Construction work, building work, property or ground maintenance/repair or facilities maintenance/repair at, or in relation to:

• Power stations or nuclear establishments
• Oil, gas or chemical refineries, bulk storage facilities or production premises
• Aircraft
• Watercraft
• Railways or airports
• Underground or underwater locations, piling work or water diversion
• The use of explosives
• Construction work on towers, steeples, chimneys, shafts, blast furnaces, viaducts, bridges, docks, tunnels, dams or reservoirs
• The erection or repair of buildings or structures more than 20 metres in height; or excavation work more than 3 metres in depth, unless disclosed to and accepted by us before the start of the policy.
• Hospitals and other medical facilities
• Quarries
• The pharmaceutical industry
• Laboratories

✗ Dishonest, deliberate or malicious acts by you or any employee.

✗ Express warranty, indemnity or guarantee given or agreed by you.

✗ The ownership, possession, maintenance or use by you or on your behalf of any aircraft, airborne device or hovercraft; watercraft exceeding 8 metres in length; motor vehicle, trailer or plant compulsory insurance or security required under any legislation that governs the use of the vehicle.

✗ Designs, plans, specifications, formulae, directions or advice prepared or given by you.

✗ Cyber liability, transmission of a computer virus, hacking, or electronic risks.

✗ Contractual liability.

✗ Use of any:

• Electric oxy-acetylene or similar welding or cutting equipment;
• Cutting and grinding equipment using abrasive disks or wheels;
• Blow lamp, blow torch, hot air gun or hot air stripper;
• Asphalt, bitumen, tar or pitch heater; or
• Thermal lance,

‭ unless disclosed to and accepted by us.‬

✗ Confiscation directly or indirectly due to the confiscation, nationalisation, requisition or destruction of any property by or under the order of any government or public authority.

✗ Your liabilities as an employer.

✗ Asbestos and pollution.

✗ Defective premises.

✗ Offshore work.

For the full cover exclusions or limitations, refer to the policy wording.

What are the cover limits and excess?

For the maximum amounts payable, refer to your schedule and the policy wording. The excess is £0.

What are my obligations?

‬The information you provide to us about yourself and your business circumstances must be complete and‬ accurate. This obligation applies at all times - before applying for cover and throughout its life. You must‬ notify the insurer as soon as possible, and no later than 14 days after becoming aware of any threat, incident or occurrence that might lead to a claim.‬

When does the cover start and end?

Your cover will start on the date you select and will continue each month until it is cancelled.

How do I cancel the contract?

Cancel anytime in your Suited customer portal or contact Suited.

When and how do I pay?

The premium will be collected from your payment card each month.

How do I notify a claim?

Refer to the policy wording for details.

How do I make a complaint?

‬If you want to make a complaint about this insurance, refer to the policy wording for details.‬