Helpline: 0208 256 1929
Specially negotiated for retailers of the fashion and clothing industry By

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Please do not hesitate to contact us should you have any queries relating to the Fashionguard Policy
This is a summary of the policy and does not contain the full terms and conditions of cover, which can be found in the policy document. It is important that you read the policy documents carefully when you receive them .


DUTY OF DISCLOSURE:-Please ensure that full and accurate information has been provided to us or the insurer- all statements made on proposal forms, claim forms and other documents must be full and accurate.  Please note that all information needs to be disclosed, this includes information where a claim was not made, but an incident occurred.  Any information not disclosed to your insurers or to us could invalidate the insurance


Name of Insurer:  As specified in your quote letter and Insurance Schedule/Policy Document


Duration of Policy: The policy will remain in force for 12 months from the date of commencement


Type of insurance and cover: This is a commercial combined policy


Significant Features & Benefits: The standard Fashionguard Policy includes the following: -

Section A - Material Damage "All Risks"

Theft Cover is subject to Forcible & Violent Entry/Exit to/from The Premises

 £350 Franchise  - this means that the Section does not cover any claims less than £350, and when a claim of more than £350 is submitted no excess is deducted
Minimum General Contents Sum Insured £20,000
Including £500 (or any higher amount agreed) for Stock at the premises of Homeworkers/Outworkers in the UK

Explosion Cover includes commercial boilers

Excluding Property in the Open unless specifically agreed otherwise

Employees Personal Effects Limit £350 subject to a £50 excess

Including Theft Damage falling to be borne by the Insured

Including Debris Removal

Including Damage caused by leakage of Bulk Supplied Beverages, Fuel

Including Loss of Metered Water £1500

Including Seasonal Increase in Stock Sums Insured - by 25% for the months of November, December and January and 30 days preceding Easter Day

Including Replacement of external door locks &/or keys and Safe keys following theft of Keys from the insured premises or the home of the Insured or an Employee subject to Limit £750 any one claim and subject to an Excess of £25

Including Temporary Removal, Collection and Delivery of Contents subject to limit of 15% of the Sum Insured

Including Day One (Non Adjustable) Cover on the Contents (excluding Stock) with  inflationary uplift of 25%

Including Business Cover Away from the Premises for Contents (excluding Stock) anywhere in Europe subject to limit 15% of the Contents Sum Insured & £2500 Any One Item

Including any exhibition which does not exceed 7 days duration subject to a limit of £2500 any one occurrence & in the aggregate

Cover can be extended to include Terrorism and/or Subsidence, ground heave and landslip

Section B - Business Interruption "All Risks" -  Interruption to the Business following an insured loss under the Material Damage section, which results in reduced income and increased running costs

Declaration Linked 133.33% Basis on Gross Income

 Explosion Cover includes commercial boilers
Including Specified infectious or contagious illness manifested at The Premises

Including murder or suicide occurring at The Premises

Including Food Poisoning - injury or illness of any person arising from or traceable to foreign or injurious  matter in food or drink provided at The Premises

Including Closure of the premises by a public authority due to defects in the drains and other sanitary arrangements at The Premises

Including Damage to Property at any generating station or sub-station of the electricity supply

Including Damage to the Property at any water works or pumping station of the public water supply

Denial of Access to The Premises following Damage to property in the vicinity of The Premises which prevents or hinders access or use of The Premises

Including Damage at any of the Insured's (non-utility) Suppliers' Premises within Great Britain, Northern Ireland, Channel Islands or Isle of Man, subject to a limit of £25,000 any one occurrence

Including Damage to any property of the Insured whilst in transit by rail, road or inland waterway in Great Britain, and Northern Ireland subject to limit £5,000 any one claim

Cover can be extended to include Terrorism Cover

Section C - Customers Effects "All Risks"

Including clothing and other personal effects whilst at The Premises

Limit £250 per Customer subject to £10 excess each and every claim

Excluding loss or Damage by Theft unless evidenced by forcible and violent means

Excluding that part of any property undergoing repair, cleaning, alteration, renovation or engraving

Excluding consequential loss

Excluding depreciation, wear & tear, action of light or atmospheric conditions, insects, vermin, rust, wet or dry rot or any gradually operating cause


Section D - Money - Loss of money belonging to your business

Limit £250,000 Non- Negotiable forms of Money whilst at The Premises, in transit or private dwelling house of the Insured's principals, authorised Employees.

Limits for Negotiable forms of Money:-
      £250 after Business Hours not contained in locked safe
      £1,000 after Business Hours contained in any unspecified locked safe - limits in   
      excess of this amount must be agreed separately subject to approval of the safe
      make & model details and additional premium

      £2000 in transit or in the bank night safe or whilst at the premises of the Insured
      during Business hours - limits in excess of this amount must be agreed separately
      subject to additional premium and security, including Money In Transit Condition  
      (see below)
      £500 at the private dwelling house of the Insured's principals, authorised         

      £500 from any one Gaming Machine, subject to a Maximum of £1500 in all
      £150 from any change machines

Shortage due to clerical or accountancy errors
Loss from unattended vehicles
Losses arising outside the Great Britain, Northern Island, the Channel Islands or the Isle of Man


      Money In Transit Condition -

      Money in transit shall be accompanied at
all times by an escort of able bodied
      adult persons not less in number than those specified hereunder:

      (a) No. of Persons Lower Limit Upper Limit

                 1                  £ 1               £ 2,000 
                 2                  £2,001         £ 5,000 
                 3                  £5,001         £ 8,000 
                 4                  £8,001         £10,000

       (b) private transport to be used for amounts greater than £2,000 where distance
       exceeds one mile.

       Including loss or damage to clothing & personal effects of any principal, 
       authorised Employee following robbery of Money or any    
       attempt thereat subject to a Limit £100 per person
       Including the cost of replacement or repair of any safe or case, bag or waistcoat
       used for the carrying of Money following theft or attempted theft of Money
       Fidelity Guarantee Cover- loss due to fraud or dishonesty of any authorised  
       Employee discovered:-

            i) within 7 days of its occurrence subject to Money Section Limits
            ii) after 7 days but within 30 days of its occurrence subject to £5000 limit and a
              25% coinsurance by the Insured

      Subject to a Safe Keys Condition - it is a condition precedent to liability that the
      Safe Keys be removed from The Premises outside Business hours

For more information on safes visit

Section E - Employers Liability- Protection against the insured"s legal liabilities for bodily injury to the insured"s employees up to:-

Limit £10,000,000 plus costs and expenses
Legal costs and expenses in defending prosecutions under all relevant health and safety legislation
Worldwide cover for employees normally resident in the UK who are temporarily working overseas
Cover for acts of terrorism is limited to £5,000,000 per event
Liability in respect of liquidated damages, penalty clauses and fines
Work in or on or travel to or from any offshore installation or support vessel
Bodily injury to an employee carried in or on, entering or alighting a vehicle or where Road Traffic Act Legislation applies.


Section F - Public & Products Liability -  Protection against the Insured"s legal liability for bodily injury to third parties and damage to their property, including obstruction, trespass, nuisance, interference, wrongful arrest and eviction

Limit £2,000,000 including costs and expenses - a higher limit of £5,000,000 is available upon request subject to additional premium
Excess £250 Third Party Property Damage
Including liability in respect of loss or damage to premises (or fixtures & fittings thereof) leased or rented to the Insured (other than loss or damage caused by a peril which the lease stipulates that insurance shall be effected by the lessee or tenant) subject to an Excess of £100 of such loss or damage caused by fire or explosion
Cover for acts of Terrorism is limited to £2,000,000 for any one event

Loss or damage to propery in the custody of control of the Insured or to products supplied
Gradual pollution or contamination
Work in or on or travel to or from or products supplied to any offshore installation or support vessel
Liquidation damages, penalty clauses, fines or punitive damages
Exposure to, inhalation of, fears of the consequences of exposure to/inhalation of, costs incurred in repairing, removing, replacing, recalling, rectifying, reinstating or managing any property arising out of the presence of Asbestos.


Section G - Personal Accident

For The Insured, principals and Employees of the Insured whilst on the Business of the Insured

Specified Benefits for :

Total and irrecoverable loss of sight in one or both eyes
Loss of one or more limbs 
Permanent and total disablement (other than by loss of limbs or sight) which after
104 weeks from the date of such Bodily Injury prevents an Insured Person from
following, engaging in or giving attention to any kind of profession or occupation.
Total disablement from engaging in or giving attention to profession or occupation Commencing within 12 calendar months of Bodily Injury as aforesaid payable per week (104 weeks maximum)
Partial disablement from engaging in or giving attention to a substantial part of profession or occupation commencing within 12 months of Bodily Injury as aforesaid. payable per week (104 weeks maximum)
Including Medical Expenses up to 15% of the amount paid for any valid claim in respect of Weekly Benefits
· Excluding death or disablement resulting from:-                                                                      

1.    suicide or attempted suicide or wilful exposure to danger (except an attempt to save human life) or due to
       or contributed to or accelerated by any sexually transmitted disease or insanity (whether temporary or

2.     pregnancy or childbirth

3.     Flying or other aerial activities except while travelling in an aircraft as a passenger pilot or aircrew nor for
      the purpose of undertaking any trade or technical operation in or on the aircraft

4.   accidents occurring whilst an Insured is 
        (a) engaged in mountaineering or rock climbing necessitating the use of ropes or guides, sub-aqua or sub-terranean pursuit, winter sports, hunting, playing football or rugby for which remuneration is received or motor cycling as driver or passenger

        (b) engaged in or practising for speed or time trials, sprints or  racing of any kind (other than on foot)

        (c)  under the influence of intoxicating liquor or drugs (other than drugs taken under medical
       supervision and not for the drug addiction).


Section H - Legal Expenses


The purpose of this Section Summary is to help you understand the insurance by setting out the significant features, benefits, limitations and exclusions.  You should still read the full Policy Wording for a full description of the terms of the insurance, including the definitions. This Summary does not form part of the Terms and Conditions.


This insurance is underwritten by Brit Insurance Ltd - 55 Bishopsgate, London, EC2N 3AS and administered by Abbey Legal Protection a trading division of Abbey Protection Group Limited.


The Period of Insurance is for 12 months or as otherwise stated in your Policy Schedule.


The premium payable is as stated in your Policy Schedule/quotation.


This is a claims made insurance which covers claims notified within the Period of Insurance.  The Insurance indemnifies you for Legal Costs, Professional Costs and Awards of Compensation as shown in the Section Benefit table below.



If You are an individual acting for purposes outside your trade, business or profession, You have a right to change Your mind and cancel your policy within 14 days of insuring with us and receiving your policy documents, by writing to COBRA County Schemes, 16 Lionel Road, Canvey Island, Essex, SS8 9DE. No charge will be made and any premium you have already paid will be refunded.



The following table sets out the significant features, benefits, limitations and exclusions of the Commercial Legal Expenses Insurance. The Insurance is split into "Sections of Cover".


Section Benefit


Section Exclusions

Section Reference

Section A.  Contract Disputes

Disputes with suppliers and customers concerning a contract for the sale, or supply of goods or services, provided:


·   the amount in dispute exceeds £250

·   If  the dispute relates to monies owed to You, You notify the designated debt collection service within 30 days and agree to instruct them on a no win no fee basis.

·   Legal Expenses incurred in the pursuit of any claim or legal proceedings shall be limited to 75% of the amount in dispute.

·   Pursuit of claims for professional negligence.

·   Contracts where the rights or liabilities are incurred through an agent.

·   Employment contracts.

·   Constructions contracts.

·   Contracts to be resolved at arbitration.

·   Motor vehicle ownership/possession.


Section A

Section B.  Criminal Prosecution Defence

Defence of criminal prosecutions and appeals against Improvement Notices under the Health and Safety at Work Act or the Food Safety Act.

·   Motor vehicle ownership/possession.

·   Arising from Inland Revenue Investigations or HM Customs and Excise.

·   Unlawful violence or dishonesty.

Section B

Section C.  Employment Disputes

Defence of disputes with prospective employees, employees or ex-employees concerning their contract of employment, or any employment related legislation and indemnity for awards of compensation, providing you have followed the advice of the Legal Advice Line:

·        prior to carrying out any disciplinary procedure or action or suspension of an Employee;

·        prior to dismissal of an Employee;

·        prior to instituting a redundancy programme and prior to making an Employee redundant;

·        upon notification formally or informally of a grievance from an Employee or ex-Employee;

·        upon notification formally or informally of a complaint of sexual racial or religious discrimination or discrimination relating to disability, age or sexual orientation;

·        prior to any adverse variation of the terms and conditions of employment (including altering hours or time or place worked or demotion or deduction from or reduction in an Employee's remuneration);

·        immediately an Employee walks out with or without written notice;

·        upon receipt of an appeal brought by an Employee or ex-Employee against a disciplinary sanction or dismissal or against a grievance decision.


·   Transfer of Undertakings  Regulations  (TUPE)


Section C

Section D.  Tax Protection

Expert representation for your business in the event of an in-depth tax investigation, VAT tribunal, or Employer Compliance Dispute.


·   Technical or routine treatment matters.

·   Defence of a criminal prosecution.

·   Taxation proceedings arising out of negligent misstatements or omissions by you or a lack of reasonable care in keeping you business books and record.

·   Investigations solely into earlier accounts or records.

·   Where Corporation Tax and Income Tax Self Assessment Returns are submitted outside statutory time limits.

·   Preparation/correction of Self Assessment returns.

·   Investigations by the Special Compliance Offices.

·   Disputes concerning Working Families Tax Credit, National Minimum Wage, IR35 legislation.

Section D

Section E.  Property Disputes

Pursuit or defence of disputes over possession of freehold and/or leasehold property and disputes concerning negligence, damage or nuisance by a third party.

·   Mining, subsidence or heave.

·   A contract other than agreement for use.

·   Rent, service charges, tax, planning or building regulations, compulsory purchase orders.

Section E

Section F  Data Protection

Defence of claims arising out of an application or appeal under the Data Protection Act  and payment of compensation awards made against you under the Act.


Section F

Section G.  Statutory Licence

An appeal against the suspension, revocation, imposed alteration of, or refusal to renew a licence or certificate of registration, issued by Statute, Government or Local Authority provided the licence is necessary to engage in Business.

·   Disciplinary or internal hearings by authorities regulating you.

·   Where alteration or refusal to renew follows an Act of Parliament.

·   Costs incurred to comply with an order.

·    Motor vehicle ownership/possession.

Section G

Section I.  Personal Injury

Pursuit of claims for compensation following a personal injury.




Section I


Significant Features



Indemnity Limits

·      Any one claim £100,000

·      Aggregate £500,000.



Territorial Limits

·   The United Kingdom of Great Britain & Northern Ireland



·   Sections A and G : £250 Any One Claim

·   All Other Sections : £Nil.

·   Section A excess increases to £500 any one claim when the legal expenses exceed £5,000.


Increased Excess

·   All Sections except C & D : £1,000 Any One Claim

·   Section C & D : Not Applicable



·   Not Applicable.



Policy holders will have unlimited free access to the Legal Line for specialist UK advice covering:

· Commercial Law · Employment Law · Scottish Law · Health and Safety · Taxation · VAT Enquiries   · Statutory Licence




All claims under Sections of Covers C and D will be handled by one of Abbey Legal Protection"s panel of solicitors or consultants (unless agreed between You and Abbey Legal Protection at the time You purchase your Insurance). Under all other Sections of Cover You are free to choose your own representative where recourse is necessary to a lawyer and proceedings are issued subject to any Increased Excess.


Initial notification of a claim must be made immediately by writing to the Claims Department at Abbey Legal Protection, Minories House, 2-5 Minories, London, EC3N 1BJ.

Optional Extensions to Fashionguard Package include the following:-

Extension A - Damage to External Fixed Canopies

It is a condition precedent to liability that the Insured folds away any external, moveable canopies/sunblinds to a secure, closed position out of Business Hours

Excess £100 each & every claim

Excluding the application or failure to apply cleaning fluids or chemicals

Excluding wear, tear, course of maintenance work

Excluding mechanical and electrical breakdown

Excluding operational error or omission



Extension B - Buildings & Tenants Improvements "All Risks"

£350 Franchise  - this means that the Section does not cover any claims less than £350, and when a claim of more than £350 is submitted no excess is deducted

Explosion Cover includes commercial boilers

Including Architects' Fees, Local Authorities & Debris Removal

Including Day One (Non Adjustable) Cover with inflationary uplift of 25%

Subsidence/Landslip/Heave cover can be selected subject to additional premium and Memorandum 8 below, with minimum Excess £1000

Please note that if this section is selected the Glass Section will also be included per details of Optional Extension E below


Extension C - Hired Out

Loss or Damage of any items of Stock, the property of the Insured or for which they are responsible, whilst on hire to customers of the Insured

Excess £100 each and every claim

Excluding loss due to non-return of hired stock from customer(s)

Excluding unexplained shortage or disappearance of stock

Excluding Financial Loss incurred by the late return or damaged return by customer(s) of hired out stock

Excluding any recovery made by the Insured from the customer under any terms and conditions of hire

It is warranted that the Insured's books of account or other business books or records in which the customer"s accounts are shown, with details of the hiring customers names, addresses and hire details and conditions, be kept in a fire resisting safe or fire resisting cabinet when not in use or off site within a building


Extension  D - Outstanding Debit Balances - Cover for the cost of tracing and establishing how much the Insured's customer owe the Insured and the amount of any unpaid debts which cannot be traced following loss of or damage to our business books or records

Subject to loss or damage of the Insured's book of account or other business books being lost or damaged as described by Section A Property Damage Contents Insurance

Total outstanding debits claimed less bad debts must not exceed 75% of the Sum Insured

Subject to the Insured keeping their book of account or other business books in a fire resisting cabinet when not in use or off-site within a building


Extension E - Glass (including Shop Fronts)

Excess £100 each and every claim

Subject to the Sum Insured as stated in the Schedule

All internal and external glass

Including damage to contents of display windows, shop fronts including shop blinds & signs the removal and reinstatement of obstructions to the replacement of glass and damage to window and door frames also damaged at the time of the glass damage subject to an aggregate limit £2000

Excluding damage in unoccupied or disused premises

Excluding damage caused by workmen effecting alterations or repairs to the premises

Excluding whilst in transit or whilst being fitted

Excluding any item flawed or broken at the commencement of the insurance


Extension F - Frozen Foods - Deterioration of foods following the breakdown of refrigeration units or accidental failure of the public electricity supply

£50 Excess each and every claim

Standard Limit £500 - a higher limit can be selected subject to additional premium

Subject to a limit of £300 any one claim in respect of cabinets over 10 years old

Subject to the Insured effecting a maintenance contract to any refrigeration units which are not under a guarantee period and do not have airtight sealed motor and compressors


Extension G - Goods In Transit

Damage to property insured under Section A whilst in transit (including loading & unloading) & temporary warehousing not exceeding 10 days in course of transit in the custody or control of the Insured whilst in the Insured's own vehicle anywhere in Great Britain, Northern Ireland, Republic of Ireland, Channel Islands, & Isle of Man including sea transit between such territories

Standard Limit £2,500- a higher limit can be selected subject to vehicle security and additional premium

£50 Excess each and every claim

Subject to any unattended vehicle left after 9pm being locked, immobilised and garaged or parked in a secured, enclosed yard

Excluding damage to property in any soft topped, open topped or open sided vehicle if caused by theft or attempt thereat, malicious damage or storm

Including Tools pertaining to The Business of The Insured, tool kits or test equipment the property of the Insured or for which they are responsible used in connection with The Business

Including the Insured's own sheets, ropes, chains, toggles or packing materials and mobile clothing rails while carried on any vehicle, subject to a limit any one such occurrence is £2000

Personal Belongings of the Insured or the Insured's Employees in or from the Insured's Own Vehicle, subject to a limit any one such occurrence £250. (Note that this Extension shall not apply to any item insured by another insurance policy)

Tools in or from any Own Vehicle, subject to a limit  any one such occurrence is £250 and £1000 in respect of all such occurrences & in aggregate




All Fashionguard Policies are subject to:-


MEMORANDUM 1 - Three year Long Term Agreement
It is noted and agreed that the Insured having renewed and paid the policy premium, the Long Term Agreement, as below, is effective from the (insert renewal date with year)

The Insured hereby undertakes to offer annually for three years the Insurance under the Section(s) covered by this Policy on the Terms and Conditions in force at the expiry of each Period of Insurance and to pay the premium(s) thereon annually in advance, it being understood that:
    a.    The Underwriters shall be under no obligation to accept an offer made in accordance with this undertaking.
    b.    The sum insured may be reduced at any time to correspond with any reduction in value.
This Long Term Agreement shall apply to any Policy or Policies which may be issued by The Underwriters within the said period of three years in substitution for the above mentioned Policy.

It is further agreed that this Agreement shall be without prejudice to the terms of the cancellation condition under the General Condition No. 16 of the Policy by virtue of which The Underwriters may at any time terminate the Insurance as set out in the said Condition.

MEMORANDUM 2 - General Protections & Risk Improvements Condition

It is hereby noted and agreed that with all existing protections and any additional protections required by The Underwriters shall be maintained throughout the period of insurance and be in actual and complete operation whenever the Premises are left unattended.  Furthermore, if the Underwriters survey the insured Premises, it  is a condition precedent to the liability of the Underwriters that all requirements as specified in the Risk Improvements remain in place and fully operational throughout the currency of this Policy.


MEMORANDUM 3 - Physical Protections Condition

It is a condition precedent to The Underwriter's liability in respect of Damage by Theft or any attempt thereat that:
In respect of all external doors (including wicket gates) and internal doors leading to other premises or part of premises not occupied by the insured.
Timber and Steel Doors
To be secured by either
(i) a mortice deadlock conforming to BS3621 together with a compatible boxed striking plate
(ii) a close shackle padlock with minimum shackle thickness of 10mm together with the manufacturer's corresponding locking bar
or (for doors other than final exit)
(iii) two key operated security bolts for doors one fitted approximately 300mm from the top of the door and the other approximately 300mm from the bottom.
Aluminium and UPVC Doors
To be secured by a cylinder operated mortice deadlock or deadlocking multi-point locking system.
Roller Shutter Doors
To be secured by either
(i) two cylinder operated shutter locks with one lock fitted at each end of the shutter
(ii) a close shackle padlock with minimum shackle thickness of 10mm together with the manufacturer's corresponding locking bar.
Horizontal Sliding or Folding Doors
To be secured by either
(i) a hook bolt mortice deadlock
(ii) a close shackle padlock with minimum shackle thickness of 10mm together with the manufacturer's corresponding locking bar
Double Leaf Doors
The final closing leaf to be secured by the appropriate locks as detailed above the first closing leaf to be secured by flush bolts or key operated security bolts top and bottom throwing into the framework and sill.
Outward Opening Doors (applicable to timber and steel doors only)
In addition to the appropriate locks and bolts detailed above each outward opening door to be fitted with hinge bolts top and bottom.
The above requirements do not apply to any door officially designated as a fire exit by the fire authority other than security for outward opening doors.
Each ground floor and basement opening window or skylight and other window or skylight accessible from decks roofs balconies canopies fire escapes or downpipes to be secured by a key operated lock fitted independently of the existing fastener unless the lock forms part of the original fastener design

This requirement does not apply to any window or skylight which is either
(i) protected by solid steel bars grilles lockable gates expanded metal or weld-mesh
(ii) officially designated as a fire exit by the fire authority

     MEMORANDUM 4 - Intruder Alarm Protections Condition

It is a condition precedent to The Underwriter's liability in respect of Damage by Theft or any attempt thereat that:
A Whenever the Premises are closed for business or left unattended they shall be protected by an Intruder
i) the Specification of which has been agreed by The Underwriters
ii) which shall be set in its entirety.
B The Insured shall
i) keep in force during the currency of this Section a contract with a company, acceptable
to The Underwriters, to maintain the Intruder Alarm in proper working order.

ii) obtain written permission from The Underwriters before agreeing to any alteration to
a) the maintenance company's emergency service facilities
b) any part of the Intruder Alarm

C If the Police give warning of a withdrawal of their service, the Insured shall immediately notify The Underwriters

D If any defect in the Intruder Alarm is discovered or the Police have withdrawn their services, the Insured shall
i) immediately notify The Underwriters
ii) not leave the Premises unattended without the prior consent of The Underwriters
iii) put into effect such additional temporary precautions and safeguards as The Underwriters may require
iv) notify the maintenance company immediately and give immediate instructions for the necessary repairs to be carried out.

MEMORANDUM 5 - Irons & Pressing Equipment Condition

It is a condition precedent to liability that all irons and pressing equipment have an annual Portable Appliance Test or annual contract service by a competent person, AND all such equipment has an on/off light indicator, with the Insured inspecting and checking that all irons and pressing equipment is turned off and unplugged at close of Business.

MEMORANDUM 6 - Portable Heating Condition

It is a condition precedent to liability that there is NO portable heating at the premises.

MEMORANDUM 7 - Outworkers/Homeworkers - 

It is agreed that the insurance by Section A extends to include Stock, Work in Progress and Machinery Plant, the Property of the Insured of for which the Insured is responsible, whilst at the premises/private residence of any Outworker or Homeworker in the United Kingdom subject to the limit specified in the Insurance Schedule.


MEMORANDUM 11 - Flat Roof Inspection Condition-

It is a condition precedent to liability that any flat roof area of the Insured Premises is inspected annually by a competent person and written details of its condition logged within the Insured"s records and any damaged or worn areas to be made good within 30 days of the damage or worn areas being noticed. 


MEMORANDUM 14 Hot Works Condition

 It is a condition precedent to liability that whenever the Insured has Hot Works carried on at the Premises, a record must be kept by Insured of all contractors liability insurance with the contractors confirmation that they are insured for Hot Works contracts and have a Hot Works Permit System.

A Hot Works Permit System must include the following;-

  1. An appointed Responsible Person to issue permits and monitor their use
  2. Before the permit is issued, the said Responsible Person must inspect the area to ensure that all combustible material is removed from the area of work. Combustible material and equipment that cannot be temporarily relocated to be covered with fire-retardant tarpaulins or other non-combustible covers.
  3. Blow lamps, torches and flame guns not to be left unattended
  4. At least a portable fire extinguisher or hydraulic hose reel, to be provided at the place where the Hot Work is to take place, ready for immediate use in the event of an outbreak of fire.
  5. A 'fire watch' to continue for at least 1 hour after the completion of the work, to detect and extinguish any incipient burning in the work area and in any adjoining area to which sparks and heat may have spread.

Furthermore, Hot Works must always be carried out by a bona fide sub contractor with own insurance and NEVER be carried out by the Insured.




Fashionguard policies may also be subject to (as per quotation details)


MEMORANDUM 8 - Subsidence Extension -

It is hereby noted and agreed that Exception D(i) under Optional Extension B Buildings & Tenants Improvements is deleted and of no further effect.

The Policy is extended to include

SUBSIDENCE OR GROUND HEAVE of the site on which the Property Insured stands or LANDSLIP but excluding :

i.  Damage Caused by:-

      a.coastal erosion,

      b collapse, cracking, shrinkage or settlement of buildings or any part thereof

      c.defective design or inadequate construction of foundations

      d.demolition, structural alteration or repair

      e.settlement or movement of made up ground

ii. Damage to forecourts, car parks, driveways, footpaths, walls, gates, hedges or fences unless specifically insured and then only when such Damage occurs also to a building insured hereunder such Damage

iii.        The first £1,000 of each and every claim as ascertained after the application of the condition of Average

Limit of Liability

the sum insured stated by each item stated on the schedule.


MEMORANDUM 9 - Unoccupied Condition

It is warranted that -

1.        all waste, refuse and other disused combustible material (s) be cleared from the building  (s) and surrounding yards and removed from the premises;

2.        all external doors be securely closed (and locked if practicable) and all keys accounted for; such locks to be changed immediately in the event of a key becoming misplaced or lost;

3.        all opening windows be securely closed (and locked if practicable);

4.        all accessible windows be securely barred and/or boarded and/or bricked up;

5.        all letter box flaps and other similar gaps and orifices be securely sealed;

6.        other than those required to maintain essential services and agreed by the insurers during the period of unoccupancy, all gas and electricity supplies to be switched off and disconnected and all water apparatus to be drained and switched off;

7.        the insured arranges for the premises to be inspected at least once per week or at such frequency agreed in writing by the insurers during the period of unoccupancy;

8.        the insured notifies the insurers immediately on becoming aware that the premises are to be occupied by contractors for renovation, alteration or conversion purposes.


MEMORANDUM 10  - Property in the Open -

It is noted that the following Exceptions are added to Section A - Property Insurance Contents


9.        Loss or Damage of any Property kept in the open by Theft or attempted Theft

10.     Loss or Damage of any Property in the open caused by riot civil commotion strikers locked out workers or persons taking part in labour disturbances or malicious persons.

11.     Loss or Damage of any Property in the open caused by Storm Tempest or Flood

12.     Loss or Damage of any Property in the open caused by Impact by any road vehicle or by goods falling therefrom, or by animal.

13.     Loss or Damage of any Property in the open caused by any Accidental damage.


MEMORANDUM  12 - Obsolete Buildings Clause -

An industrial or commercial buildings, occupied or otherwise, may be considered to be obsolete when;-

It is at least 50 years old

It is impractical to re-build in the same style and/or materials

It is not listed nor subject to any statutory or other obligation to rebuild or reinstate damage in existing style and/or materials in whole or in part.

It is hereby understood that in the event of a substantial loss, the Insured shall

A ) replace the building with another one of modern style and materials or

B) purchase another similar building

In either case providing comparable facilities at a lower cost than that which would be incurred by rebuilding in the existing form. In such circumstances for the purpose of Average the Basis of Valuation shall be respectively;-

1) the cost of erecting a modern building providing comparable facilities plus, if insured an allowance for Debris Removal Costs, Professional Charges/ Fees and Additional Expenditure arising from Local Authority requirements, or

2) the cost of purchasing a similar building to the one insured, plus if insured, an allowance for Debris Removal Costs.

    MEMORANDUM  15Additional Interest

    It is hereby and agreed that A Third Party ......... have an interest in the
     Insurance cover is provided by this policy.

MEMORANDUM  16 - Construction