l Garden Centrel Proposal - Towergate Insurance › media › 1097 › aiua... · 2 3 The Garden Centre Proposal Form 1. Company Information Proposers/Company Full Name/Title Main

Proposal

Also available through Towergate Partnership

Please contact your Insurance Broker for further information

063/PF/01/13/0692/44350

Towergate AIUA

8 Grove Park Court, Harrogate, North Yorkshire, HG1 4DP

T: 0844 346 0411 F : 0844 346 0412

email a iua@towergate .co.uk web www.towergateunderwr i t ing.co.uk

Towergate AIUA & Towergate Underwriting are trading names of

Towergate Underwriting Group Limited

Registered Address: Towergate House, Eclipse Park, Sittingbourne Road, Maidstone,Kent ME14 3EN

Registered in England No. 4043759

Authorised and regulated by the Financial Services Authority

l Manufacturing

l Marine Craft

l Marine Trade

l Medical Profession

l Mini Bus

l Office

l Park Home

l Personal Accident & Sickness

l PA for Amateur Sports Clubs/Organisations

l Personal Accident Group & SME’s

l Photographic Industry

l Private Motor

l Professional Indemnity

l Residential Property Owners

l Retail Trade

l Sports & Leisure

l Travel Industry

l Veterinary Profession

l Wholesaling

l Aviation

l Business Travel

l Caravans & Caravan Parks

l Care Homes

l Classic Car

l Commercial and Mini Fleet

l Commercial Property Owners

l Commercial Vehicles

l Contractors

l Credit

l Dental Profession

l Directors & Officers

l Engineering

l Entertainment Industry

l Equine

l Garden Centres

l Holiday Home and Expat

l Household

l Liability

l Licensed Trade

www.aiua.co.uk

Garden Centre

Garden Centre Proposal Form

Quality, Security and Flexibility to give The Garden Centre Industry Peace of Mind

The Garden Centre Insurance Policy has been designed with the intention of providing a secure, all in one cover forcompanies within the Garden Centre Industry.

Please complete this document carefully

If you arrange this insurance through a broker or agent you should communicate with us through them.

Fair Presentation of the Risk

You must make a Fair Presentation of the Risk. A Fair Presentation of the Risk is one in which every material representationas to a matter of fact is substantially correct and every material representation as to a matter of expectation or belief is made in good faith, and are the facts which the underwriter may wish to know in deciding whether to underwrite the risk and/or the terms upon which to underwrite the risk. They may be relevant either to the physical risk or to the personalcharacteristics (including financial) of You and/or any director, partner, officer and/or principal of Your business. Failureto make a Fair Presentation of the Risk could result in your policy being invalidated.

Should you be in doubt as to whether information is accurate or material then you must disclose it to us.

Law Applicable

Unless any agreement to the contrary is reached between us, English law will apply to this contract of insurance.

This Policy is arranged through

AIUA Grimbald Crag CloseKnaresboroughHG5 8PJ

T: 0344 346 0411

Any correspondence should be directed to your Broker or the above address

1

4. Date Cover Required From:

The Policy will run for 12 months unless agreed in writing with Towergate AIUA

5. Financial Company Details

Finance Company/Bank interest to be noted:

Name: Nature of Interest

Address:Postcode:

6. Business Details

When was your business established?

7. Business Activities

Please give a brief description of your companies activities taking care to include any/all activities which you undertake in the course of your business:

32

The Garden Centre Proposal Form

1. Company Information

Proposers/CompanyFull Name/Title

Main Registered Address:

Tel (1) (2) Email

Fax (1) (2) Website

2. General Questions

Give brief details of experience and background and whether any of the above have been declared bankrupt or involvedwith a Company which has ceased trading.

a How long have you or any partner, director or senior employee been in business at your existing or any previous premises?

Has the Business, you or any director or partner (in relation to this Business or for any other):

b Been declared bankrupt or insolvent? Yes Noc been convicted or charged (but not yet tried) or received an official

caution for any offence other than a motoring conviction? Yes Nod In respect of any of the risks which you now wish to insure against

i) held insurance in the last 5 years? Yes Noii) has any previous insurer declined, cancelled, refused, renewal

refused or had any special terms or conditions applied by any insurer for the risks and/or covers proposed? Yes No

iii) ever been fined or given an improvement or prohibition order underthe Health & Safety at Work Act 1974, the Consumer ProtectionAct 1987, The Environment Protection Act 1990 or similar law? Yes No

iv) suffered any loss or incurred any liability, whether insured or not, at these premises or other premises during the last 5 years, in connection with any Insurance for which cover is required? Yes No

If YES to any Questions above give full details

3. Subsidiary Companies

List any other subsidiary companies you wish to include

a)

b)

c)

d)

yrs mths

d d / m t h / y e a r


Postcode

Name of Directors/Partners/Principals1) 6)2) 7)3) 8)4) 9)5) 10)

4. Date Cover Required From:

The Policy will run for 12 months unless agreed in writing with AIUA

5. Financial Company Details

Finance Company/Bank interest to be noted:

Name: Nature of Interest

Address:Postcode:

6. Business Details

When was your business established?

7. Business Activities

Please give a brief description of your companies activities taking care to include any/all activities which you undertake in the course of your business:

32

The Garden Centre Proposal Form

1. Company Information

Proposers/CompanyFull Name/Title

Main Registered Address:

Tel (1) (2) Email

Fax (1) (2) Website

2. General Questions

Give brief details of experience and background and whether any of the above have been declared bankrupt or involvedwith a Company which has ceased trading.

a How long have you or any partner, director or senior employee been in business at your existing or any previous premises?

Has the Business, you or any director or partner (in relation to this Business or for any other):

b Been declared bankrupt or insolvent? Yes Noc been convicted or charged (but not yet tried) or received an official

caution for any offence other than a motoring conviction? Yes Nod In respect of any of the risks which you now wish to insure against

i) held insurance in the last 5 years? Yes Noii) has any previous insurer declined, cancelled, refused, renewal

refused or had any special terms or conditions applied by any insurer for the risks and/or covers proposed? Yes No

iii) ever been fined or given an improvement or prohibition order underthe Health & Safety at Work Act 1974, the Consumer ProtectionAct 1987, The Environment Protection Act 1990 or similar law? Yes No

iv) suffered any loss or incurred any liability, whether insured or not, at these premises or other premises during the last 5 years, in connection with any Insurance for which cover is required? Yes No

If YES to any Questions above give full details

3. Subsidiary Companies

List any other subsidiary companies you wish to include

a)

b)

c)

d)

yrs mths



Postcode

Name of Directors/Partners/Principals1) 6)2) 7)3) 8)4) 9)5) 10)

10. Open Display Areas & Plant Storage

Do you have open display areas or compounds?

If Yes what specific protections against theft are used?

Is all mobile plant, tools & other equipment kept in a locked BUILDING when not in use?

If ‘No’ give details of where kept & how secured?

11. Buildings

Warning - If Sum Insured does not reflect the full extent of risk then Average clause could be applied at inception.

Rebuilding cost of all BUILDINGS (including wall, gates, fences, car parks, open display areas, fees & clearance of debris) built of Brick, Stone, Slate and Tile (Standard Construction) that form the Premises.

Rebuilding cost of GLASS houses

Rebuilding cost of Polytunnels, Buildings built using Composite Panels or Combustible Linings or otherNon-Standard Construction Buildings (please specify construction)

Loss of Rent - Payable

Loss of Rent - Receivable

Indemnity Period required (12, 18 or 24 months)

IMPORTANT - Please supply a site plan & photographs of the site, buildings etc. if available

54

8. Premises

(Where a questions below indicates that a 'Yes' or 'No' answer is required please circle or tick where necessary the appropriate answer)

Has the Electrical System been inspected in the last 5 years with all defects remedied and certified as compliant?

9. Security

Is an alarm fitted?

If ‘Yes’ is it installed and annually maintained by SSAIB or NSI accredited company?

Please state method ofsignalling (Bells only/CentralStation/Redcare)

Is the alarm on mainBUILDING only?

Are the exit doors fittedwith 5 Lever mortice locks?

Are the windows fitted with key operated locks?

Are there any additionalsecurity features in place onthe premises? (Rollershutters, CCTV, securitylighting, security fencing etc.)

continued

Details Location 1 Location 2 Location 3

Address

Tel;

Fax;

Trade Description &Use per premises

Number of buildings

Age & Construction of Buildings:(please advise the wall and roofconstruction of the main Building(s),(excluding Glasshouses and Poly-Tunnels,including details of any compositePanels* or combustible linings andapproximate building size.)

* If a building has composite panels,please provide full details of in-fill forfurther consideration.

Method of Heating(please advise if use of portable heating is used)

Yes / No Yes / No Yes / No



£ £ £

£ £ £

£ £ £

£ £ £

mths mths mths


Location 1 Location 2 Location 3








Section 1 - Material Damage

10. Open Display Areas & Plant Storage

Do you have open display areas or compounds?

If Yes what specific protections against theft are used?

Is all mobile plant, tools & other equipment kept in a locked BUILDING when not in use?

If ‘No’ give details of where kept & how secured?

11. Buildings

Warning - If Sum Insured does not reflect the full extent of risk then Average clause could be applied at inception.

Rebuilding cost of all BUILDINGS (including wall, gates, fences, car parks, open display areas, fees & clearance of debris) built of Brick, Stone, Slate and Tile (Standard Construction) that form the Premises.

Rebuilding cost of GLASS houses

Rebuilding cost of Polytunnels, Buildings built using Composite Panels or Combustible Linings or otherNon-Standard Construction Buildings (please specify construction)

Loss of Rent - Payable

Loss of Rent - Receivable

Indemnity Period required (12, 18 or 24 months)

IMPORTANT - Please supply a site plan & photographs of the site, buildings etc. if available

54

8. Premises

(Where a questions below indicates that a 'Yes' or 'No' answer is required please circle or tick where necessary the appropriate answer)

Has the Electrical System been inspected in the last 5 years with all defects remedied and certified as compliant?

9. Security

Is an alarm fitted?

If ‘Yes’ is it installed and annually maintained by SSAIB or NSI accredited company?

Please state method ofsignalling (Bells only/CentralStation/Redcare)

Is the alarm on mainBUILDING only?

Are the exit doors fittedwith 5 Lever mortice locks?

Are the windows fitted with key operated locks?

Are there any additionalsecurity features in place onthe premises? (Rollershutters, CCTV, securitylighting, security fencing etc.)

continued

Details Location 1 Location 2 Location 3

Address

Tel;

Fax;

Trade Description &Use per premises

Number of buildings

Age & Construction of Buildings:(please advise the wall and roofconstruction of the main Building(s),(excluding Glasshouses and Poly-Tunnels,including details of any compositePanels* or combustible linings andapproximate building size.)

* If a building has composite panels,please provide full details of in-fill forfurther consideration.

Method of Heating(please advise if use of portable heating is used)




£ £ £

£ £ £

£ £ £

£ £ £

mths mths mths










Section 1 - Material Damage

15. Theft Cover

Do you require Theft cover for items in a secured open yard, compoundor a covered display area within a secured yard or compound subject toforcible or violent entry to or exit from the secured open yard or compound? Yes No

If ‘Yes’ give details of items left in the open and what theft precautions are taken

NOTE - There will be an additional excess amount applied if this cover is granted

76

12. Business Equipment (& Electronic Equipment)Basis of Valuation:Replacement cost

NOTE THIS POLICY DOES NOT GIVE COVER FOR USE OF ANY KIND UNDER CIRCUMSTANCES WHERE A ROAD TRAFFIC ACT CERTIFICATE WOULD BE REQUIRED

13. Internal - General Stock (& Goods In Trust)Basis of Valuation: Cost Price

14. External - General Stock (Goods In Trust)Basis of Valuation: Cost Price

continued

DescriptionMaximumLocation 1

MaximumLocation 2

MaximumLocation 3

Maximum allLocations

Office, Shop and Computer equipmentRestaurant/Coffee shop equipment.

£ £ £ £

External Machinery, Plant & all other Contents £ £ £ £

Any other items (specify below) £ £ £ £


MaximumLocation 2

MaximumLocation 3


General Stock - Internal £ £ £ £

Houseplants and growing stock £ £ £ £

Giftware & Fancy Goods £ £ £ £

CD, DVD, Tapes & Videos £ £ £ £

Clothing,Wines, Spirits & Tobacco £ £ £ £

Goods in Trust & other stock (specify below) £ £ £ £


MaximumLocation 2

MaximumLocation 3


General Stock - InternalPlants and growing stock, fencing, paving & building materials,conservatories & summerhouses, greenhouses & sheds, fertilisers & growing mediums

£ £ £ £

Garden machinery & mowers £ £ £ £


15. Theft Cover

Do you require Theft cover for items in a secured open yard, compoundor a covered display area within a secured yard or compound subject toforcible or violent entry to or exit from the secured open yard or compound? Yes No

If ‘Yes’ give details of items left in the open and what theft precautions are taken

NOTE - There will be an additional excess amount applied if this cover is granted

76

12. Business Equipment (& Electronic Equipment)Basis of Valuation:Replacement cost

NOTE THIS POLICY DOES NOT GIVE COVER FOR USE OF ANY KIND UNDER CIRCUMSTANCES WHERE A ROAD TRAFFIC ACT CERTIFICATE WOULD BE REQUIRED

13. Internal - General Stock (& Goods In Trust)Basis of Valuation: Cost Price

14. External - General Stock (Goods In Trust)Basis of Valuation: Cost Price

continued


MaximumLocation 2

MaximumLocation 3


Office, Shop and Computer equipmentRestaurant/Coffee shop equipment.

£ £ £ £

External Machinery, Plant & all other Contents £ £ £ £

Any other items (specify below) £ £ £ £


MaximumLocation 2

MaximumLocation 3


General Stock - Internal £ £ £ £

Houseplants and growing stock £ £ £ £

Giftware & Fancy Goods £ £ £ £

CD, DVD, Tapes & Videos £ £ £ £

Clothing,Wines, Spirits & Tobacco £ £ £ £



MaximumLocation 2

MaximumLocation 3


General Stock - InternalPlants and growing stock, fencing, paving & building materials,conservatories & summerhouses, greenhouses & sheds, fertilisers & growing mediums

£ £ £ £

Garden machinery & mowers £ £ £ £


20. Liabilities Required

If 'Yes' which Liability covers are required?£ OTHER

Employers Liability Yes / No Limit Any one Occurrence 10 million(Not available in isolation)Public Liability Yes / No Limit Any one Occurrence 1 / 2 / 5 millionProduct Liability (excluding exports to North America) Yes / No Limit Any one Occurrence 1 / 2 / 5 millionProduct Liability (exports including North America) Yes / No Limit Any one Occurrence 1 million

Are you exempt from having an Employer Reference Number (ERN)? Yes No

If ‘No’, please advise your Employer Reference Number

21. Details of Work Undertaken

Describe

a) Work undertaken

b) Do you undertake (or arrange sub-contracts) for any of the following activities away from your PREMISES?

i) Building / Construction Work / Roofing Yes No

ii) Conservatory / Greenhouse / Shed Erection Yes No

iii) Landscape Gardening / Turfing / Paving / Fencing Yes No

iv) Fishpond / Watergarden Construction Yes No

v) Tree Surgery / Lopping or Felling / Pruning Yes No

vi) Any process involving the application of Heat Yes No

98

16. Business Interruption (Basis of Cover)

What is the basis on which cover is required?

Section 2ABusiness Interruption (Full Wording - DeclarationLinked) If ‘YES’, please complete Question 17 below.

Section 2BIncreased Cost of Working

If 'YES', please complete Question 18 below.

17. Business Interruption (Full Wording)

Complete only if you have answered ‘YES’ answer to Question 16 section 2A above

State your estimated Gross Profit during thenext 12 monthsState Indemnity period required (12/18/24/36Months)

Extensions included in standard cover Public Utilities Limit £25,000Computer Records Limit £25,000DAMAGE caused by storm & malicious damage to PROPERTY inGLASS houses and BUILDINGS of non standard construction Limit £25,000Suppliers/Customers Limit £25,000

If you wish to give alternative limits to Customers/Suppliers give details below

18. Business Interruption - Increased Cost of Working (Additional Expenses Only)

Complete only if answer to Question 16 section 2B above is YES

State SUM INSURED required in respect ofall Additional Expenditure including Accountants FeesState Indemnity period required (12/18/24/36Months)

19. Outstanding Debit Balances

If YES state sum to be insured

NOTE: Your policy will contain a condition that you maintain a quarterly record of the total amounts outstanding and that you keep a copy away from your premises or in a fire resistant safe.

continued

Section 2 - Business Interruption

Section 3 - Liabilities





£ £ £

months months months


£ £ £


Supplier/Customer

Name Location Limit £’s

£

20. Liabilities Required

If 'Yes' which Liability covers are required?£ OTHER

Employers Liability Yes / No Limit Any one Occurrence 10 million(Not available in isolation)Public Liability Yes / No Limit Any one Occurrence 1 / 2 / 5 millionProduct Liability (excluding exports to North America) Yes / No Limit Any one Occurrence 1 / 2 / 5 millionProduct Liability (exports including North America) Yes / No Limit Any one Occurrence 1 million

Are you exempt from having an Employer Reference Number (ERN)? Yes No

If ‘No’, please advise your Employer Reference Number

21. Details of Work Undertaken

Describe

a) Work undertaken

b) Do you undertake (or arrange sub-contracts) for any of the following activities away from your PREMISES?

i) Building / Construction Work / Roofing Yes No

ii) Conservatory / Greenhouse / Shed Erection Yes No

iii) Landscape Gardening / Turfing / Paving / Fencing Yes No

iv) Fishpond / Watergarden Construction Yes No

v) Tree Surgery / Lopping or Felling / Pruning Yes No

vi) Any process involving the application of Heat Yes No

98

16. Business Interruption (Basis of Cover)

What is the basis on which cover is required?

Section 2ABusiness Interruption (Full Wording - DeclarationLinked) If ‘YES’, please complete Question 17 below.

Section 2BIncreased Cost of Working

If 'YES', please complete Question 18 below.

17. Business Interruption (Full Wording)

Complete only if you have answered ‘YES’ answer to Question 16 section 2A above

State your estimated Gross Profit during thenext 12 monthsState Indemnity period required (12/18/24/36Months)

Extensions included in standard cover Public Utilities Limit £25,000Computer Records Limit £25,000DAMAGE caused by storm & malicious damage to PROPERTY inGLASS houses and BUILDINGS of non standard construction Limit £25,000Suppliers/Customers Limit £25,000

If you wish to give alternative limits to Customers/Suppliers give details below

18. Business Interruption - Increased Cost of Working (Additional Expenses Only)

Complete only if answer to Question 16 section 2B above is YES

State SUM INSURED required in respect ofall Additional Expenditure including Accountants FeesState Indemnity period required (12/18/24/36Months)

19. Outstanding Debit Balances

If YES state sum to be insured

NOTE: Your policy will contain a condition that you maintain a quarterly record of the total amounts outstanding and that you keep a copy away from your premises or in a fire resistant safe.

continued

Section 2 - Business Interruption

Section 3 - Liabilities





£ £ £



£ £ £


Supplier/Customer

Name Location Limit £’s

£

1110

c) Do you handle, use or store radioactive substances or devices, chemicals,gases, explosives, asbestos, silica or materials containing silica or anyother dangerous substances? Yes No

d) Do you or have you accepted any contractual liability which would otherwise not attach to you? Yes No

e) Do you operate any process which does or could result in the escape or discharge into the atmosphere, water or land of any toxic substance? Yes No

f) Have you ever had any incident(s) of pollution at your Premises or been prosecuted for pollution or contamination incidents? Yes No

g) Do you export or have you exported goods directly or indirectly to/from the USA or Canada? Yes No

h) Do you alter any products that you have not manufactured?(apart from Growing Stock) Yes No

i) Do you put your trading name, trade mark or logo on any products that is not manufactured by you? (apart from Growing Stock) Yes No

If you have answered ‘YES’ to any of the above please give full details below (including estimates of export turnover and destination countries exported to Q21(g))

22. Details of People Working In The business

Please provide full details of all your EMPLOYEES (including Directors, any person supplied or borrowed by you and labour only sub-contractors)

Occupational type/Nature of workundertaken

Number of Persons Total wages & Other earnings

Clerical, sales, shop & restaurant

Nurserymen, all other manual wages(including labour only sub-contractors(specify work)

Clerical work away. Manual collectionand delivery

Manual Work Away (specify work)

23. Annual Turnover and PRODUCTS SUPPLIED

Please provide:

a) Gross Annual Turnover over all locations: United KingdomOverseas (excluding USA/Canada)USA/CanadaWork away from premises - within UK

b) Approximate percentage slit of the total turnover for the following activities:

Tools & Equipment Work Away Goods manufactured by you

Pets & Fish sales Equipment hire Other (Specify)

24. Rights of Way / Use

a) Are there any rights of way through your PREMISES? Yes NoIf ‘Yes’, please give details.

b) Do you ensure they are kept clear? Yes No

25. Flammables

i) a) Do you store flamable fluids or petrol, diesel, paraffin, Yes Nobutane/propane gas?

b) Please state what flammable fluids or gas?

c) Quantity stored?

d) Method of storage?

ii) Are any of these for sale to the general public? Yes No

If ‘Yes’ please give details

£

£

£

£

1110

c) Do you handle, use or store radioactive substances or devices, chemicals,gases, explosives, asbestos, silica or materials containing silica or anyother dangerous substances? Yes No

d) Do you or have you accepted any contractual liability which would otherwise not attach to you? Yes No

e) Do you operate any process which does or could result in the escape or discharge into the atmosphere, water or land of any toxic substance? Yes No

f) Have you ever had any incident(s) of pollution at your Premises or been prosecuted for pollution or contamination incidents? Yes No

g) Do you export or have you exported goods directly or indirectly to/from the USA or Canada? Yes No

h) Do you alter any products that you have not manufactured?(apart from Growing Stock) Yes No

i) Do you put your trading name, trade mark or logo on any products that is not manufactured by you? (apart from Growing Stock) Yes No

If you have answered ‘YES’ to any of the above please give full details below (including estimates of export turnover and destination countries exported to Q21(g))

22. Details of People Working In The business

Please provide full details of all your EMPLOYEES (including Directors, any person supplied or borrowed by you and labour only sub-contractors)

Occupational type/Nature of workundertaken

Number of Persons Total wages & Other earnings

Clerical, sales, shop & restaurant

Nurserymen, all other manual wages(including labour only sub-contractors(specify work)

Clerical work away. Manual collectionand delivery

Manual Work Away (specify work)

23. Annual Turnover and PRODUCTS SUPPLIED

Please provide:

a) Gross Annual Turnover over all locations: United KingdomOverseas (excluding USA/Canada)USA/CanadaWork away from premises - within UK

b) Approximate percentage slit of the total turnover for the following activities:

Tools & Equipment Work Away Goods manufactured by you

Pets & Fish sales Equipment hire Other (Specify)

24. Rights of Way / Use

a) Are there any rights of way through your PREMISES? Yes NoIf ‘Yes’, please give details.

b) Do you ensure they are kept clear? Yes No

25. Flammables

i) a) Do you store flamable fluids or petrol, diesel, paraffin, Yes Nobutane/propane gas?

b) Please state what flammable fluids or gas?

c) Quantity stored?

d) Method of storage?

ii) Are any of these for sale to the general public? Yes No


£

£

£

£

Section 5 - All Risks (& Deterioration of stock)

30. All Risk Cover on Specified BUSINESS EQUIPMENT of Valuables

Geographical Limits available a) Anywhere in the United Kingdomb) Anywhere in the European Union

If ‘Yes’ state items to be insured

Section 5b - Deterioration of stock

31. Deterioration of refrigerated stock

Do you wish to cover deterioration of refrigerated stock? Yes No

If ‘Yes’ please give the following detail at each location

a) Number and Location of freezers

b) Maximum SUM INSURED any one freezer

c) Age of freezers

d) Are the units motors & compressors hermetically sealed? Yes No

e) Are the units under a maintenance agreement? Yes No

f) At what intervals are the units examined by the Insured?

1312

26. Safety Policy

Do you have a company written health and safety policy in force? Yes No

If ‘Yes’ a) state date when it was last reviewed?b) state date when it was last communicated to all employees?

Have all the necessary up-to-date health and safety risk assessments Yes Nobeen completed?

27. Display Features

Do you have any special display features permanently installed or erected duringthe year which involve lakes, ponds, running water, all displays and ancillary activities (e.g. Santa’s Grotto or displays or a similar nature)? Yes No


Section 4 - Money (including assault)

28. The policy has standard limits as shown:

a) Crossed cheques and other non negotiable itemsb) On the premises not in a safe out of hoursc) At directors, partners or trusted employee’s dwellingsd) On the premises out o hours in an acceptable Safe

Details of Safe

e) On premises during business hours or in transit to Bank

NOTE: Amounts in excess of £5,000 must be in the custody of two able bodied persons whilst in transit

f) Do you use a security company to transport MONEYto or from the bank? Yes No

If ‘Yes’ please give detailsof the company used and limits required

g) How often is the money banked and what is the distance to the bank?

h) Estimated annual carryings of MONEY

i) By the Insured

ii) By a Security Company

29. Personal Accident Assault (whilst carrying MONEY)

a) Death or bodily injuryb) Total disabilityc) Temporary Total Disability

(per week for maximum of 104 weeks)

Standard Limits £ Increased to £

250,000250350

1,000

Standard Limits £

30,00030,000

100

£

£

£

Item No. required Sum Insured Location No. Description of property Geographical Limit


£ £ £

Section 5 - All Risks (& Deterioration of stock)

30. All Risk Cover on Specified BUSINESS EQUIPMENT of Valuables

Geographical Limits available a) Anywhere in the United Kingdomb) Anywhere in the European Union

If ‘Yes’ state items to be insured

Section 5b - Deterioration of stock

31. Deterioration of refrigerated stock

Do you wish to cover deterioration of refrigerated stock? Yes No

If ‘Yes’ please give the following detail at each location

a) Number and Location of freezers

b) Maximum SUM INSURED any one freezer

c) Age of freezers

d) Are the units motors & compressors hermetically sealed? Yes No

e) Are the units under a maintenance agreement? Yes No

f) At what intervals are the units examined by the Insured?

1312

26. Safety Policy

Do you have a company written health and safety policy in force? Yes No

If ‘Yes’ a) state date when it was last reviewed?b) state date when it was last communicated to all employees?

Have all the necessary up-to-date health and safety risk assessments Yes Nobeen completed?

27. Display Features

Do you have any special display features permanently installed or erected duringthe year which involve lakes, ponds, running water, all displays and ancillary activities (e.g. Santa’s Grotto or displays or a similar nature)? Yes No


Section 4 - Money (including assault)

28. The policy has standard limits as shown:

a) Crossed cheques and other non negotiable itemsb) On the premises not in a safe out of hoursc) At directors, partners or trusted employee’s dwellingsd) On the premises out o hours in an acceptable Safe

Details of Safe

e) On premises during business hours or in transit to Bank

NOTE: Amounts in excess of £5,000 must be in the custody of two able bodied persons whilst in transit

f) Do you use a security company to transport MONEYto or from the bank? Yes No

If ‘Yes’ please give detailsof the company used and limits required

g) How often is the money banked and what is the distance to the bank?

h) Estimated annual carryings of MONEY

i) By the Insured

ii) By a Security Company

29. Personal Accident Assault (whilst carrying MONEY)

a) Death or bodily injuryb) Total disabilityc) Temporary Total Disability

(per week for maximum of 104 weeks)

Standard Limits £ Increased to £

250,000250350

1,000

Standard Limits £

30,00030,000

100

£

£

£

Item No. required Sum Insured Location No. Description of property Geographical Limit


£ £ £

Section 7 - Computer

34. Computer Material Damage

a) Please give full details of Business Computer Hardware, Software, Tapes/Cards/Disks to be insured

b) Is there a maintenance agreement in force which covers the parts which fail in normal working use? Yes No

c) If there is no maintenance agreement in force or the cost of replacement is not proved for under the maintenance agreementdo you wish to consider full breakdown cover? (an additional charge is made for this extension) Yes No

d) Where is the computer equipment kept?

e) Is the building where the equipment is kept of standard construction? Yes No

If ‘No’ give details

f) Is any of the equipment

i) portable or transported by hand? Yes No

ii) Used away from the PREMISES? Yes No

iii) left in unattended road vehicles? Yes No

If ‘Yes’ give details

1514

Section 6 - Goods in Transit

32. Goods carried by your own VEHICLES

Do you wish to cover goods carried by VEHICLES owned or operated by you? Yes No

If ‘Yes’ please state

a) Maximum number of VEHICLES used to carry goods

b) Maximum load limit

NOTE: a) Tobacco, cigarettes, cigars, wines, spirits, jewellery, precious metals and stones, video equipment, cassettes

or discs, computer or video games radio’s, televisions, electrical appliances, clothing or textiles must be

specified if carried. If the total value of specified goods exceeds £1,000 theft cover will not normally apply

unless the VEHICLE is fitted with a Thatcham Approved Category 1 immobiliser and audible alarm.

b) Theft or attempted theft from any unattended VEHICLE during working hours is excluded unless the

VEHICLE is left fully locked and all available security put in place and keys removed

c) Theft of property in or on soft-topped or open sided VEHICLEs is excluded unless involing theft of the

VEHICLE

33. Goods carried by Road Carriers, rail or post

Do you wish to cover goods sent by carriers, rail post ptc.? Yes No

If ‘Yes’ please state means

of carriage

a) Estimated value of goods to be dispacted in the next 12 months(excluding transits by own VEHICLEs)

b) Load Limit

c) Nature of Goods carried or dispatched

d) Percentage of goods sent via: Road Carrier Post

Rail Other

continued

£

£

%

%

%

%

Details of Equipment Location No. Make & Year Serial No. Type/Model New ReplacementValue £

Computer equipmentincluding terminals &peripheral equipment

Software

Section 7 - Computer

34. Computer Material Damage

a) Please give full details of Business Computer Hardware, Software, Tapes/Cards/Disks to be insured

b) Is there a maintenance agreement in force which covers the parts which fail in normal working use? Yes No

c) If there is no maintenance agreement in force or the cost of replacement is not proved for under the maintenance agreementdo you wish to consider full breakdown cover? (an additional charge is made for this extension) Yes No

d) Where is the computer equipment kept?

e) Is the building where the equipment is kept of standard construction? Yes No

If ‘No’ give details

f) Is any of the equipment

i) portable or transported by hand? Yes No

ii) Used away from the PREMISES? Yes No

iii) left in unattended road vehicles? Yes No

If ‘Yes’ give details

1514

Section 6 - Goods in Transit

32. Goods carried by your own VEHICLES

Do you wish to cover goods carried by VEHICLES owned or operated by you? Yes No

If ‘Yes’ please state

a) Maximum number of VEHICLES used to carry goods

b) Maximum load limit

NOTE: a) Tobacco, cigarettes, cigars, wines, spirits, jewellery, precious metals and stones, video equipment, cassettes

or discs, computer or video games radio’s, televisions, electrical appliances, clothing or textiles must be

specified if carried. If the total value of specified goods exceeds £1,000 theft cover will not normally apply

unless the VEHICLE is fitted with a Thatcham Approved Category 1 immobiliser and audible alarm.

b) Theft or attempted theft from any unattended VEHICLE during working hours is excluded unless the

VEHICLE is left fully locked and all available security put in place and keys removed

c) Theft of property in or on soft-topped or open sided VEHICLEs is excluded unless involing theft of the

VEHICLE

33. Goods carried by Road Carriers, rail or post

Do you wish to cover goods sent by carriers, rail post ptc.? Yes No

If ‘Yes’ please state means

of carriage

a) Estimated value of goods to be dispacted in the next 12 months(excluding transits by own VEHICLEs)

b) Load Limit

c) Nature of Goods carried or dispatched

d) Percentage of goods sent via: Road Carrier Post

Rail Other

continued

£

£

%

%

%

%

Details of Equipment Location No. Make & Year Serial No. Type/Model New ReplacementValue £

Computer equipmentincluding terminals &peripheral equipment

Software

General Questions

37. Are the Premises

a) In need of repair/maintenance?

b) Congested?

c) In an areai) liable to flooding?

ii) with a history of vandalism or theft

iii) unduly exposed tothe elements?

iv) with a history ofsubsidence?

v) on made up/infilled land?

38. How Often is Waste/Refuse Removed from the Buildings and where is it Stored

39. Risk Report

Are all the locations solely occupied by you?

If ‘No’ give details of all tenants and their activities

Nature of separation between Insured and tenant

1716

35. Computer Additional Expenditure and Recompilation of Data

Please state

a) SUM INSURED in respect ofi) Additional expenditure plusii) recompiling information on data carrying materials

b) Give details back up of data, method of storage, frequency of back ups and whether a copyis kept away from the PREMISES

c) Is a duplicate of software readily available from your supplier (if not confirm a back up copy is kept away from the PREMISES at all times) Yes No

36. Building Security

a) Doors

NOTE All external doors at your PREMISES and any internal doors leading to other PREMISES to be protectedas follows

q Timber Doors - Frames to be at least 45 mm thick and must be secured with mortice deadlock which confirms to BS362. The first closing leaf of double doors must be fitted with bolts top and bottom

q Aluminium Framed Doors - Must be fitted with a swing bolt type mortice lock

b) Windows

All opening sections of external ground floor windows and all other windows which are accessible from roofs, fire escapes or down pipes must be fitted with key operated window locks

c) Computer Equipment - Is all or any part of the computer equipment

i) Fixed down to desks/table by security devices? Yes No

ii) Prominently, permanently and overtly marked to identify ownership? Yes No

iii) Do you have a formal security plan in operation limiting access to

the PREMISES? Yes No

d) Security Patrol - Do you have a Night-watchman/24 hour security patrol? Yes No

If NO’ to any of the above questions please give details of alternative security

£












Does the security of the PREMISES confirm to the following standard? Refer to AIUA if the computers are kept in buildings that are not constructed of Brick, Stone, Slate or Tile.

General Questions

37. Are the Premises

a) In need of repair/maintenance?

b) Congested?

c) In an areai) liable to flooding?

ii) with a history of vandalism or theft

iii) unduly exposed tothe elements?

iv) with a history ofsubsidence?

v) on made up/infilled land?

38. How Often is Waste/Refuse Removed from the Buildings and where is it Stored

39. Risk Report

Are all the locations solely occupied by you?

If ‘No’ give details of all tenants and their activities

Nature of separation between Insured and tenant

1716

35. Computer Additional Expenditure and Recompilation of Data

Please state

a) SUM INSURED in respect ofi) Additional expenditure plusii) recompiling information on data carrying materials

b) Give details back up of data, method of storage, frequency of back ups and whether a copyis kept away from the PREMISES

c) Is a duplicate of software readily available from your supplier (if not confirm a back up copy is kept away from the PREMISES at all times) Yes No

36. Building Security

Does the security of the PREMISES confirm to the following standard? Refer to Towergate AIUA if the computers are kept inbuildings that are not constructed of Brick, Stone, Slate or Tile.

a) Doors

NOTE All external doors at your PREMISES and any internal doors leading to other PREMISES to be protectedas follows

q Timber Doors - Frames to be at least 45 mm thick and must be secured with mortice deadlock which confirms to BS362. The first closing leaf of double doors must be fitted with bolts top and bottom

q Aluminium Framed Doors - Must be fitted with a swing bolt type mortice lock

b) Windows

All opening sections of external ground floor windows and all other windows which are accessible from roofs, fire escapes or down pipes must be fitted with key operated window locks

c) Computer Equipment - Is all or any part of the computer equipment

i) Fixed down to desks/table by security devices? Yes No

ii) Prominently, permanently and overtly marked to identify ownership? Yes No

iii) Do you have a formal security plan in operation limiting access to

the PREMISES? Yes No

d) Security Patrol - Do you have a Night-watchman/24 hour security patrol? Yes No

If NO’ to any of the above questions please give details of alternative security

£












PLEASE USE THIS SPACE FOR ANY EXTRA INFORMATION REGARDING PREVIOUS QUESTIONS AND CLEARLY MARK

THE QUESTION NO. BEING REFERRED TO

1918

40. Fire Protection

a) Do the premises meet Fire Regulations under the TheRegulatory Reform (Fire Safety) Order? Yes No

b) What fire precautions are taken?

c) Number and type of fire extinguishers

Are they maintained under contract? Yes No

d) Distance to the nearest full time fire brigade

e) Distance to the nearestfire hydrant or otherwater supply

f) If the presises are spinklered give area covered, edition and type of feed




km km km


km km km


PLEASE USE THIS SPACE FOR ANY EXTRA INFORMATION REGARDING PREVIOUS QUESTIONS AND CLEARLY MARK

THE QUESTION NO. BEING REFERRED TO

1918

40. Fire Protection

a) Do the premises meet Fire Regulations under the TheRegulatory Reform (Fire Safety) Order? Yes No

b) What fire precautions are taken?

c) Number and type of fire extinguishers

Are they maintained under contract? Yes No

d) Distance to the nearest full time fire brigade

e) Distance to the nearestfire hydrant or otherwater supply

f) If the presises are spinklered give area covered, edition and type of feed




km km km


km km km


20

DECLARATION - VERY IMPORTANT

A survey of your PREMISES may be required and the surveyor will stipulate-any additional requirements.

The Company reserves the right to decline any proposal.

You should keep a record (including copies of letters, e-mails and other correspondence) of all information supplied to theCompany for the purposes of entering into this contract. A copy of this proposal and any other information supplied by youor your advisor will be given on request.

Personal Data

Please tick this box if you do not wish to receive such details

Data Protection Act 1998

We may store your information on a database and use it for administration, risk assessment, research and statisticalpurposes, marketing purposes and for crime prevention (see further details below). We will only disclose your personal detailsto third parties, if it is necessary for the performance of your contract with us. In order to assess the terms of the insurancecontract or administer claims that arise, we will need to collect data that the Data Protection Act defines as sensitive such asmedical history or criminal convictions. By proceeding with this contract you will signify your consent to such informationbeing processed by the insurers or their agents. We will keep your information secure at all times. In certain circumstances,for example for systems administration purposes, we may have to transfer your information to another country, which maybe a country outside the European Economic Area ("EEA"). By proceeding with your insurance application, we will assumeyou are agreeable for us to transfer your information to a country outside the EEA.

Declaration

Remember you are responsible for the accuracy of the answers on this form, not the agent or the company. Please do notsign this form unless you are sure that all answers are fully and correctly answered. I/We have read this proposal and understand that I/We are under a duty to make a Fair Presentation of the Risk and thatfailure to do so could result in my/our policy being invalidated and/or a claim not being paid in full. I/We have made all reasonable enquiries so that all material representations as to a matter of fact are substantially correct and everymaterial representation as to a matter of expectation or belief are made in good faith.

I/We understand and accept that AIUA or THE INSURERS may contact my/our previous/present insurers for furtherinformation.

Signed Date

Position Held

Liability does not commence until this proposal has been accepted by the insurers and the premium paid, exceptas provided by an official Hold Covered Letter issued for and on behalf of THE INSURERS by AIUA

The Insurer for policies underwritten under this scheme is a consortium of leading UK insurers as detailed in the policy schedule. It is administered on their behalf by Geo Underwriting Services Limited, trading as AIUA. To set up and administer your policy the insurers and Geo Underwriting Services Limited will hold and use information about you supplied by you. They may send it in confidence for processing to other companies in their group of companies or those acting on their instructions including those located outside the European Economic Area. Geo Underwriting Services Limited may also send you details of their other products and services.

Proposal

Garden Centre

AIUA

Grimbald Crag Close, Knaresborough, HG5 8PJ

T: 0344 346 0411 email [email protected] www.aiua.co.uk

AIUA is a trading name of Geo Underwriting Services Limited

Registered Address: Towergate House, Eclipse Park, Sittingbourne Road,

Maidstone, Kent ME14 3EN

Registered in England No. 4070987

Authorised and regulated by the Financial Conduct Authority. FCA Register Number 308400

063/PF/02/18/0692/44350Classification Public

Documents

l Garden Centrel Proposal - Towergate Insurance › media › 1097 › aiua... · 2 3 The Garden Centre Proposal Form 1. Company Information Proposers/Company Full Name/Title Main