The PLI policy underwritten by Covea (below) will cover all members
who joined/renewed before 1st October 2023 until their current membership expiry date or 30th September 2024, whichever is
earlier.
From 00.01hrs on 1st October 2023 new members
and renewing existing members are covered by a policy underwritten by Convex -
see here.
Summary of Policy Cover & Sums Insured
GENERAL INFORMATION
Introduction
This is a summary of cover only. Please refer to the
policy wording and policy schedule for full details of
the policy cover, terms and conditions.
Who Are The
Insurers?
This insurance is underwritten
by Covea Insurance plc.
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)
Insured Business Activities
This
policy covers the teaching, practicing or the performing
of music and the sales of related merchandise by the
insured member. It excludes any organisation of, or
the provision of security for, any event.
PUBLIC & PRODUCTS LIABILITY
INSURANCE
What Is Covered?
Cover is provided for an
insured members' legal liability to pay compensation
(including costs) following:
•
accidental Injury to any person
• accidental loss of or damage to
property
happening during the Period of Insurance and arising in
connection with an Insured Business Activity.
What Is Not
Covered?
This section of the policy does not provide
any cover for claims arising out of
• any injury
sustained by any musician or crew member who forms part
of an insured member or any employee of
an insured
member or person working under the direct supervision or
control of an insured member
• the first £500 of any
claim arising out of damage to property
• the first £2,500 of any claim originating or brought in a court of law in the USA or Canada
• actual or
alleged physical, sexual or emotional abuse
• damage
to property belonging to the insured member or under
their care, custody or control
• the use of applied heat, fire or pyrotechnics on third party premises other than the use of Flash Paper, Flash Cotton or Flash
String
• any deliberate
acts of the insured member
• any liability assumed by
the insured member under a contract, unless cover would
have existed in the absence of the contract
• the
ownership or use of any motor vehicle, watercraft or
aircraft
• punitive damages of any kind
• the recall, repair or replacement of any
product
Other exclusions apply, please refer to the
Policy Document for details.
LEGAL DEFENCE COSTS
What Is
Covered?
This policy provides cover in respect of
legal costs incurred in defending proceedings arising out
of Health & Safety or Consumer Protection legislation
occurring during the period of insurance and in
connection with an Insured Business Activity.
What
Is Not Covered?
This section of the policy does not
provide any cover for claims arising out of:
• any injury sustained by any musician or
crew member who forms part of an insured member or any employee of
an insured
member or person working under the direct supervision
or control of an insured member
• arising from the erection of
any temporary grandstands by any insured member
• the first £500
of any claim arising out of damage to property
• actual or
alleged physical, sexual or emotional abuse
• damage to property
belonging to the insured member or under their care, custody or
control
• the use of applied heat, fire or pyrotechnics on third
party premises other than the use of Flash Paper, Flash Cotton or
Flash
String
• any deliberate acts of the insured member
•
any liability assumed by the insured member under a contract, unless
cover would have existed in the absence of the
contract
• the
ownership or use of any motor vehicle, watercraft or aircraft
•
the recall, repair or replacement of any product
Other
exclusions apply, please refer to the
Policy Document for
details.
POLICY EXTENSIONS
Indemnity to Principals and Others
The policy will also provide an indemnity
to any:
• Contract Principal
• Personal Representatives
providing that the claim would have been covered had it been made
directly against the AMPband member.
Compensation for Court
Attendance
This policy will pay the AMPband member £250 for each
day they are required to attend court as a witness at the request of
the Underwriters.
Defence Costs
The
policy will also cover Legal Defence Costs arising:
• from any prosecution of the
AMPband member as a result of breach of the Health & Safety at Work
Act 1974 or Part II of the Consumer Protection Act 1987 or Part
II of the Food Safety Act 1990 or any legislation of similar effect.
• out of the defence of any proceedings in a Court of Summary
Jurisdiction in respect of matters which may form the subject of
indemnity under this policy.
ADDITIONAL INFORMATION
How To Make A Claim
In the unfortunate event that you need to make a claim,
please contact us as soon as possible. Contact details
are listed below. Please note that late notification can
lead to claims being repudiated.
Law Applicable To
Contract
English Law will be applicable to the
contract of insurance, unless otherwise stated in the
Policy's terms and conditions.
The language used in
this Policy and any communication relating to it will be
English.
How To Make A Complaint
We are dedicated
to providing you with a high standard of service and we
want to ensure we maintain these standards at all
times. If you feel that we have not offered you a first
class service please contact us at the
following
address and we will do our best to resolve the problem:
Managing Director, Hencilla Canworth Ltd, Simpson House,
6 Cherry Orchard Road, Croydon, CR9 6AZ
Tel: 020 8686
5050; Fax: 020 8686 5559;
E-mail:dudley.parker@hencilla.co.uk
If you are unable to resolve the matter with us your complaint may
be referred to your insurer.
If you are still dissatisfied you
may be able to refer your complaint to
The Financial Ombudsman
Service
South Quay Plaza
183 Marsh Wall
London
E14 9SR
Tel: 0800 023 4567
Web: www.financial-ombudsman.org.uk
Financial Services Compensation Scheme
Covea Insurance plc are members of the
Financial Services Compensation Scheme (FSCS).
You may be
entitled to compensation from the scheme if they are unable to meet
it's obligations to you under this contract. If you are entitled
to compensation under the Scheme, the level and extent of the
compensation would depend on the nature of this contract.
Further information is available from: Financial Services
Compensation Scheme, 10th Floor, Beaufort House, 15 St Botolph
Street,
London, EC3A 7QU. Tel: 0800 678 1100; Web:
www.fscs.org.uk
Details Of Our Regulator
Hencilla
Canworth Limited are authorised and regulated by the Financial Conduct
Authority. Covea Insurance plc are authorised by
the Prudential Regulation Authority and regulated by the Financial Conduct
Authority and the Prudential Regulation Authority.
The Financial Conduct
Authority website, which includes a register of all regulated firms
can be visited at www.fca.org.uk or the FCA can be contacted on
0800 111 6768.
If you require any further information
or wish to request a copy of the Policy Document, please
contact:
Hencilla Canworth Ltd, Simpson House, 6
Cherry Orchard Road, Croydon, Surrey, CR9 6AZ
Tel: 020
8686 5050; Fax: 020 8686 5559; e-mail:
media@hencilla.co.uk