Insurers:
This insurance is underwritten by
Convex Insurance UK Ltd
through Mi Commercial Risks under
policy number R&QCTR000031545.
Policy Type: Public Liability Insurance Product Liability Insurance
Public & Product Liability
Section 2(a) -
Public Liability INSURED
Limit of Indemnity:
£10,000,000 any one occurrence; but limited to
£5,000,000 in respect of the United States of
America and/or Canada Policy Excess:
£500 each & every loss in respect of Third Party
Property Damage; increasing to £2,500 each &
every loss for any claim in respect of the
United States of America and/or Canada Territorial Limits / Jurisdiction:
Worldwide Section 2(b) - Products Liability INSURED
Limit of Indemnity:
£10,000,000 any one occurrence; but limited to
£5,000,000 in respect of the United States of
America and/or Canada Policy Excess:
£500 each & every loss in respect of Third Party
Property Damage; increasing to £2,500 each &
every loss for any claim in respect of the
United States of America and/or Canada Territorial Limits / Jurisdiction:
Worldwide
Main Extensions
Member to Member: Where You so
request, this insurance shall apply as if an
individual insurance had been issued to each of
Your members. Provided that: 1. this
insurance will not apply where a more specific
insurance is in force. 2. Our maximum
liability in respect of any one accident or
series of accidents resulting from the same
occurrence shall not exceed the Limit of
Indemnity shown against Public Liability in the
Schedule. 3. each of Your members shall be
subject to the terms of this insurance so far as
they can apply and provided You would have been
entitled to indemnity under this Section if the
claim had been made against You
Personal Service Companies Inclusion
It is hereby noted and agreed the entitlement to
cover under this policy is restricted to: 1) Individual
Members 2) any personal service limited
company of an insured member providing that the
member is the majority shareholder and the sole
director and employee of that company No
cover shall apply to any other commercial or
charitable organisation howsoever constituted.
Membership Policy - Period Of
Insurance
In respect of any insured member purchasing or
renewing their membership during the period of
insurance stated in the schedule, this policy
extends to provide cover until the expiry date
of their membership providing that: i) the
member remains eligible for the insurance under
the terms of their membership ii) the
membership period commences during the period of
insurance and is for a maximum duration of 12
months
Main Exclusions
Height Limit 3 Metres We
will not indemnify You in respect of any claim
arising out of work exceeding 3 metres above the
ground level unless a different height limit is
shown in the Schedule
Promotor/
Organiser Exclusion It Is hereby
noted and agreed that no indemnity will be
provided under this policy for claims arsing
from any event in which the insured are acting
as either promotor or organiser.
Communicable Infectious Disease
Exclusion
We shall not cover You under Section 2(a) Public
Liability or Section 2(b) Products Liability or
Section 4 Environmental Impairment Liability of
this Policy for any liability for injury, loss
or damage or any associated costs or expenses,
or any fines or penalties or any other amount
directly or indirectly caused by or arising from
1)Coronavirus (COVID-19) (the disease caused by
SARS-CoV-2); 2)Other disease caused by any
mutation or variant of SARS-CoV-2; 3)Any
novel infectious disease caused by a newly
identified agent; or, 4)A threat, fear or
likelihood of infection from any of the above or
measures taken to prevent the spread of any of
the above. This includes claims involving
quarantine, whether self-imposed, recommended by
a medical professional or imposed by government
or public authority
Contact & High-Risk Games Exclusion
This insurance covers low-risk entertainment activities and party games (such as musical games, quizzes, limbo, party dances or similar light recreational activities).
We will not pay for liability arising from:
i) Tug-of-war, or any game or activity involving pushing, pulling, tackling, or deliberate physical contact between participants;
ii) Games or activities which are strenuous, rough, or reasonably likely to cause injury (including, but not limited to, wrestling, martial arts, or similar contests)
iii)The use of equipment or props in a way that is unsafe or not intended by the manufacturer.
Inner Limit(s)
North America Endorsement In respect of any
Product which is exported to North America or
temporary work or visits to North America cover
is restricted to a limit of indemnity of
£5,000,000
i)in respect of claims happening or where a
claim is brought in North America all costs and
expenses of the claimant and the costs and
expenses (incurred by Us or with Our written
consent) of any person entitled to indemnity are
included within the £5,000,000 Limit of
Indemnity ii)there will be no indemnity under
this policy for fines or penalties for
aggravated exemplary or punitive damages and/or
any additional damages resulting from the
multiplication of compensatory damages against
You awarded by any court outside Great Britain
Northern Ireland the Channel Islands or the Isle
of Man iii)there will be no indemnity under
this policy in respect of any legal liability
caused by or arising out of pollution or
contamination of buildings or other structures
or of water or land or the atmosphere happening
in North America or where a claim is brought in
a court of law in North America iv)We will
not pay the first £2,500 of any claim v)North
America shall mean the United States of America
or Canada or their territories or possessions or
Puerto Rico
NOTE – The contents of here serve as a brief
summary ONLY of the policy’s cover, Special
Definitions, Extensions and Exclusions. For full
details of the policy’s Terms, Conditions,
Extensions & Exclusions
the Summary can be read here and
the Full Policy Document here. For
convenience these PDFs will open in a new window.
