AMPband - Public Liability Insurance Cover

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 a consortium of insurers led by Royal & SunAlliance Insurance plc. A full schedule of insurers is listed in the Policy Wording..

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 are not VAT registered.

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 up to £250,000 in any one period of insurance. 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
• 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 by an insured member of any pyrotechnics, explosives or any special effects involving fire or explosion
• 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.

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

Royal & SunAlliance Insurance plc and all other consortium insurers 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. Royal & SunAlliance Insurance
plc and all other consortium insurers 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