The PLI policy underwritten by Convex (summary below) will cover all members
who join/renew from 1st October 2023.
Members who joined or renewed their membership
before 1st October 2023 are covered by a policy underwritten by Covea -
see here.
Summary of Policy Cover & Sums Insured
GENERAL INFORMATION
Introduction
This is a summary of cover only. Please refer to the
full policy wording or policy summary for full details of
the policy cover, terms and conditions.
Who Are The
Insurers?
This insurance is underwritten
by Convex Insurance UK Ltd.
Who Qualifies For Cover?
All current valid members of AMPband who are domiciled in the United Kingdom, the Channel Islands or the Isle of Man and
who have an annual turnover under £85,000 per annum.
What Insurance Is
Provided By This Policy?
The policy
provides insured members with Public Liability Insurance
with a limit of indemnity of £10m in respect of all
claims arising from a single insured accident and
Products Liability with a limit of indemnity of £10m in
respect of all claims arising out of a single period
of insurance. In addition, cover is also provided for
Legal Defence costs. More specific details are provided below.
What Are The Territorial
Limits Of The Policy?
The policy covers activities undertaken by
the insured member anywhere within the World provided that the member's usual
place of work is within the United Kingdom, the Channel Islands or the Isle of
Man. The Insurers will not pay the first £2,500 of any claim arising from North
America (i.e. United States of America or Canada or their territories or
possessions or Puerto Rico). In these territories cover is also limited to £5m.
Insured Business Activities
This
policy covers the teaching, practice and performance
of music and retail associated merchandise excluding any event organisation or
the provision of security for the event.
Public & Product Liability
Section 2(a) - Public Liability INSUREDLimit of Indemnity:
£10,000,000
Description:
o Any one occurrence or series of occurrences arising from any one event and unlimited in the aggregate in the Period of Insurance
Excess £250*
*Excess does not apply in respect of injury claims. Excess increases to £500 in respect of Work Away from the Premises.
Section 2(b) - Products Liability INSURED
Limit of Indemnity
£10,000,000
Description
o Any one occurrence and in the aggregate in the Period of Insurance
Cover provided by this Policy is subject to the undernoted Subjectivity or Subjectivities (a Subjectivity is a Condition of the Policy which requires You to undertake certain obligations)
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
Height Limit 5 Metres
We will not indemnify You in respect of any claim arising out of work exceeding 5 metres above the ground level unless a different height limit is shown in the Schedule.
Member to Member Liability (Public Liability)
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
Player to Player Liability Exclusion
No indemnity shall be provided by this policy in respect of any legal liability that may be incurred by any player in respect of injury to any other player while training, practicing or performing music.
Grandstand Exclusion
It is hereby noted and agredd that no indemnity will be provided by this policy in respect of claims arising from the erection by the insured of any temporary grandstand or similar type structure.
Eligible Member Definition
An eligible member shall mean any current member of AMPband who:
i) are domiciled in the United Kingdom, Channel Islands or the Isle of Man;
ii) have an annual turnover of not more than £85,000 per annum n respect of their activities insured under this policy;
iii) are not Value Added Tax (VAT) registered
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.
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