Computer Systems Loss, damage or breakdown of computers and some related equipment, including wiring. Extensions include reinstatement of data, consulting engineers fees, increased cost of working, replacement of software and increased rental charges. Employers' Liability This is a statutory requirement and includes a wide selection of direct and indirect employees, whether paid or not. Providing an indemnity for legal liability in respect of bodily injury, death, disease, or illness sustained by your employees and arising out of their normal course of employment. Engineering Inspection Amongst the many items of legislation about the work place are the Provision and Use of Work Equipment Regulations 1998 and The Lifting Operations and Lifting Equipment Regulations 1998. The considerable numbers of items encompassed by these regulations require inspection/examination by a competent person every 6 or 12 months, depending on the item. But legislative requirements are not exclusive to these two recent examples and specialist Insurance Companies are able to provide inspection and examination services. Hotels & Guest Houses Package policies covering buildings/hotel contents/freezer breakdown/ Wine, spirits and tobacco/guests effects/glass/money/loss of revenue/ Goods in transit and liabilities. Extensions can include Book Debts/ Loss of Licence/Computer Breakdown/Fidelity of employees/Legal Expenses/Engineering inspection for lifts, boilers etc. Legal Expenses A VITAL part of any insurance portfolio in the current climate of red tape and litigation. Usually providing an indemnity of £50,000 for legal and other Expenses incurred as a result of employment disputes, VAT disputes, Inland Revenue investigations, contract disputes, debt recovery, property protection and tenancy disputes. Also included is FREE 24 hour legal help line. Product Liability Providing an indemnity for legal liability arising from products sold or supplied or services given or work undertaken in the course of your business. Frequently automatically included on small package policies for retailers, hoteliers, small builders and the like. Public Houses Package policies covering pub contents including general stock, wines, spirits, tobacco, frozen food/ money (including contained in gaming machines)/loss of profits/glass and sanitary fittings/goods in transit/ public and employers' liability/loss of liquor licence. Extensions can include buildings/Landlord's personal effects/fidelity of employees/ computer breakdown/legal expenses. Public Liability Providing an indemnity in respect of the legal liability arising in connection with your business to pay damages as a result of death or bodily injury or loss or damage to property of members of the public (excluding employees).

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