Comprehensive Insurance Cover

In partnership with Stackhouse Poland, we offer a comprehensive insurance scheme for every member group.

As a member of Attend, your group is enrolled in the standard benefits cover for employer's liability, public & product liability, trustees indemnity and personal accident cover. Details of the scope of these covers are below, and if you need evidence of cover, or an employer's liability certificate, contact Chris Cotterill at Stackhouse Poland on 014 8340 7485 or email chriscotterill@stackhouse.co.uk.

Standard benefits - limits of cover

Employer's liability - £10,000,000
Public liability - £10,000,000
Product liability - £5,000,000
Trustee's indemnity - £500,000

Personal accident - category of insured person

A - any person 16-75 years of age
B - any person under 16 years
C - any person between 76 and 85 years
D - Employees

Additional benefits

One of the principal benefits of the programme is access to the new additional benefits insurance package. This is a competitively priced 'all risk' insurance cover policy. It's specifically designed to meet the needs of members who have additional items such as stock, money, computers, cash registers, fund raising equipment etc. that need to be insured. For an annual payment of £167*, your group will have automatic access to £100,000 of cover with Zurich.

This cover includes:

Contents and building insurance including loss or damage from fire, lightning, earthquake, explosion, aircraft, smoke, riot or civil commotion, strikes, labour or political disturbances, malicious persons or vandals, theft, storm tempest or flood or escape of water, escape of oil, frost, impact, falling aerials, falling trees, loss of rent, subsidence, ground heave and landslip, accidental damage.

Automatic covers:

• Rebuilding fees and debris removal costs
• damage to cables and underground services
• damage to grounds or premises caused by action of the fire service
• property owners' liability
• VAT on rebuilding and redevelopment
• theft damage to buildings if you are responsible under the lease
• all fixed internal glass and fixed glass in the buildings including lettering painting or other ornamentation or intruder alarm sanitary fittings
• damages to scales, cash registers and franking machines
• the cost of changing locks following theft of your keys
• contents and stock left in the open
• contents (other than employee's personal effects) temporarily removed from the open
• tenants liability
• deterioration of frozen or refrigerated stock and stock and contents while in transit.

Business interruption - automatic covers

• Outbreak of disease
• Poisoning by food and drink
• Prevention of access
• Loss of attraction within 1km radius
• Failure of utilities lasting more than 30 minutes
• Loss of or damage at your suppliers or customers premises in the UK.

Maximum sum insured (inner limit) - £25,000.

Money cover

Cover for the loss of money belonging to Attend members or for which they have a due of care. Sum insured (inner limits):

• On member premises during hours - £10,000
• After business hours in a locked safe or strong room - £5,000
• After working hours not locked in a safe or storeroom - £500
• In transit (minimum two responsible persons for sums above £3,000) - £10,000
• In a bank safe at night - £10,000
• In any private residence not in a locked safe or strong room - £300.

Additional benefits plus

If your group requires extra insurance cover not mentioned here, contact Chris Cotterill on 01483 407485 for more information.

*This figure includes IPT and administration costs.