These policy’s comprises of various sections. Your financial advisor can advise you on which Policy sections are suitable to cover your business risks. Policy cover will depend on your selection of the covers offered and the extent to which you comply with the terms and conditions set out in the Policy.

The Policy and the Schedule together confirm the contract between you and us and should be read as one document. Should there be any conflict in interpretation between the contents of the printed Policy and the contents of the Schedule, the Policy wording shall be given precedence.

You must provide us with accurate information to enable us to assess the risk correctly and notify us immediately of any change in this information, or in your circumstances, that could affect our assessment.

Whether you pay your premiums monthly or annually, you are responsible for ensuring that these are paid within the agreed time period.

Please contact your broker immediately if there is anything that is not clear to you or you need more information.