Complete Business Insurance: Policy Details

Complete Business
Insurance
Policy Details
(including Policy Summary pages 1-13)
Policy Summary
This is a Policy Summary only and does not contain full terms and conditions
of the contract of insurance. Some covers are optional and will only apply if
you have selected them. Full terms and conditions can be found in the policy
documents, a copy of which is available on request.
What is Complete Business Insurance?
Complete Business Insurance is designed to cover the
assets, earnings and the legal liabilities of your business.
It is arranged, administered and underwritten by Allianz
Insurance plc.
You may be entitled to compensation from the FSCS if we

are unable to meet our liabilities. Further information
about compensation scheme arrangements is available at
www.fscs.org.uk, by emailing enquiries@fscs.org.uk or by
phoning the FSCS on 0800 678 1100 or 0207 741 4100.
How do I make a complaint?

What is the policy duration?
This policy has a 12 month period of insurance (unless
shown differently on your policy schedule), and is
annually renewable.
Will I have any cancellation rights?
Allianz aims to get it right, first time every time. If we

make a mistake we will try to put it right promptly.
We will always confirm to you receipt of your complaint
within 5 working days and do our best to resolve it within
4 weeks. If we cannot we will let you know when an
answer may be expected.
You have a right to cancel the policy within a 14 day

period and receive a return of premium paid, less an
administration charge of 25 and an amount representing
the cover you have received to date.
If we have not resolved the situation within 8 weeks we

will provide you with information about the Financial
Ombudsman Service.
This is subject to certain terms, full details of which can

be found in the policy wording.
If you have a complaint please contact our Customer

Satisfaction Manager at:
How do I make a claim?

If you need to claim, your dedicated claims handler will
help and guide you through the process.
You can notify Allianz of a claim by:
Customer Satisfaction Manager

Barclays Business Insurance
c/o Allianz Insurance plc
PO Box 883
Lancaster
LA1 9JA
Telephone: 0344 893 9639

Our claims helpline is available hours a day, 7 days a week.
Post: Barclays Claims Centre
500 Avebury Boulevard
Milton Keynes
MK9 2XX
Online: www.barclays.co.uk/Businessinsurance
Please have your policy number to hand and as much
information about the claim as possible. For further
information please see page 14.
Would I receive compensation if Allianz were

unable to meet its liabilities?
Allianz Insurance plc contributes to the Financial Services
Compensation Scheme (FSCS).
Telephone: 0344 871 6619

Fax: 0344 871 8757
Email: BBIcomplaints@allianz.co.uk
Lines are open Monday to Friday 8am to 6pm.
Using our complaints procedure or referral to the Financial
Ombudsman Service does not affect your legal rights.
Please read the policy

Please periodically review the policy and the policy
schedule to make sure that it meets and continues to
meet your needs and that you understand its terms,
conditions, limits and exclusions.
If you wish to change anything or if there is anything you
do not understand please contact Allianz.
Complete Business Insurance | 1
Optional Covers
Property Damage Policy Section 1
Significant Features and Benefits
Significant Exclusions or Limitations
Covers loss or damage to all trade contents caused by the

following:
explosion due to bursting of non domestic steam boilers, or

other steam apparatus
fire, lightning and explosion
malicious damage, burst pipes, sprinkler leakage or escape of

oil in any unoccupied building
aircraft
riot, civil commotion or malicious damage
earthquake
subterranean fire
storm, tempest or flood
escape of water from tanks, apparatus or pipes
escape of oil
impact by vehicles or animals
sprinkler leakage
theft or attempted theft following forcible and violent entry to
or exit from your premises
accidental damage
option to include subsidence
Automatic reinstatement of loss other than theft claims the
sums insured are not reduced following a claim subject to
payment of an additional premium
Inflation provision sums insured are index linked and Day one
reinstatement provides an automatic 15% inflation factor
(Option available to increase to 20%, 25%, 30% or 35%)
Public authorities the additional costs incurred in the rebuilding
or repair of the property to a standard required by the authorities
theft or theft damage not involving forcible and violent entry

to or exit from the premises, or involving any partner, director,
employee or family member
hold up arising from theft not involving violence or threat
of violence
theft, storm, tempest or flood to property in the open
storm, tempest or flood excludes damage to fences and gates
acts of fraud or dishonesty by any partner, director or employee
unexplained disappearance or inventory shortage or misfiling
or misplacing of information
frost, wear and tear, gradual deterioration, inherent vice,
latent defect
rot, mildew, rust, corrosion, insects, woodworm, vermin
dyeing, cleaning, repair, renovation, marring or scratching
electrical or mechanical breakdown, failure or derangement
faulty or defective design workmanship or materials
changes in temperature, dampness, dryness, shrinkage,
evaporation, loss of weight, contamination, change in colour,
flavour, texture or finish
damage to any property resulting from its undergoing any
process
operational error or omission by you or any employee
pollution or contamination
Services damage to services including telephone, gas, water

and electric instruments, meters, piping and cabling
Alterations and additions automatic cover for alterations,
additions and improvements made to your property for no more
than 10% of the sum insured or 500,000 whichever is the less
Professional fees covers the cost of architects, surveyors, legal
and consulting engineers fees
Removal of debris costs the cost of removal of debris of the
insured property damaged
Temporary removal of contents to a limit of 10% of the sum
insured
Temporary removal of documents and other business records to
a 10% limit
Rent where cover is arranged for payment of rent, cover
operates where the building is unfit for occupation following
damage
Fixed glass cost of temporary boarding up
2 | Complete Business Insurance
loss or damage to property outside the UK

consequential loss
subsidence cover excludes
damage to surfaced areas, walls, gates and fences, unless the
building is also damaged
coastal or river erosion
damage which commenced prior to inception of this cover
damage as a result of demolition, excavation or other
building work
250 excess applies (Minimum 1,000 for Subsidence)
Conditions Unoccupied Buildings
Unoccupied buildings are not insured unless they are notified
to us and we agree to continue cover
If we agree to continue cover, mains services must be switched
off and water system drained other than in respect of security
or fire alarms or sprinkler systems. The property must be
inspected internally and externally weekly (with records kept),
defects in security and maintenance rectified and any
accumulations of combustible materials removed. You must
also comply with our security level requirements and ensure
that the property is secured against unlawful entry and that all
security protections are put into effect.
Property Damage Policy Section 1 (continued)

Metered utilities covers additional metered supply charges

incurred up to 25,000 any one period of insurance
Exhibitions up to 25,000 for any one exhibition whilst at and
in transit to/from exhibitions
Trace and access covers the costs of locating source of escape
of water or fuel oil from any tank, apparatus or pipe and
subsequent making good of damage up to 25,000 any one
claim
Landscaped grounds up to 10,000 any one claim for damage
to grounds as a result of damage to the property insured
Locks and keys the cost of replacement keys, locks or lock
mechanisms following theft of keys up to 5,000 any one claim
Damage to premises covers damage following theft or
attempted theft including the cost of any temporary measures to
keep the premises secure
25% seasonal increase in stock sum insured
Cover for moulds, tools and dies up to 50,000 any one claim
Unauthorised use of supplies covers the unauthorised use of
metered supplies up to 10,000 any one period of insurance
Business Interruption Policy Section 2

Loss of Gross Profit or Revenue resulting from loss or damage by

any cause covered by the Property Damage section.
exclusions as shown under the Property Damage section,

however, explosion of a steam boiler or economiser is covered
Option of 12, 18, 24 or 36 months indemnity period
malicious damage, riot or civil commotion causing deliberate

erasure, loss distortion or corruption of information on
computer systems or other records, programs or software
Inflation provision sum insured is increased by 33.33% to

protect you against inflation
Unspecified suppliers damage at your suppliers premises which
causes interruption to your business up to 10% of the sum
insured or 100,000, whichever is less
Unspecified customers damage at your customers premises
which causes interruption to your business up to 10% of the
sum insured or 100,000, whichever is less
Contract sites damage at any contract site the insured is
working at that causes interruption to your business up to 10%
of the sum insured or 50,000, whichever is less
Exhibition sites damage at any exhibition site where the
insured are exhibiting goods or services that causes interruption
to your business up to 10% of the sum insured or 50,000,
whichever is less
Property stored property that is kept elsewhere than at your
premises up to 10% of the sum insured or 50,000, whichever
is less
Supply undertakings failure in the supply of water, gas,
electricity or telecommunications up to 10% of the sum insured
or 50,000, whichever is less following damage by an insured
event
Failure of supply Accidental failure of supply of water, gas,
electricity or telecommunications up to 25,000
Denial of access property that hinders the use or access to
your premises up to 10% of the sum insured or 50,000,
whichever is less
Essential personnel covers additional expenditure as a result of
the death or permanent disablement of essential personnel up to
10,000
Lottery winners covers additional expenditure as a result of an
employee or group of employees resigning following a lottery
win. Cover is up to 25,000
Transit covers interruption following damage to your property
whilst in transit up to 10% of the sum insured or 10,000,
whichever is less
Moulds, Tools & Dies covers interruption from damage whilst
at any premises or in transit up to 25,000
Accountants charges incurred in connection with a claim
Increased Cost of Working Policy Section 2a

Covers additional expenditure necessarily and reasonably

incurred in order to minimise any interruption or interference
with the business during the indemnity period resulting from
loss or damage by any cause covered by the Property Damage
section
the Policy exclusions and the exclusions as shown under the

Property Damage section, however, explosion of a steam boiler
or economiser is covered
Option of 12, 18, 24 or 36 months indemnity period

Supply undertakings failure in the supply of water, gas,
electricity or telecommunications up to the sum insured shown
in the schedule
Failure of supply Accidental failure of supply of water, gas,
electricity or telecommunications up to 25,000
Denial of access property that hinders the use or access to
your premises up to the sum insured shown in the schedule
Exhibition sites damage at any exhibition site where the
insured are exhibiting goods or services up to 10% of the sum
insured or 50,000, whichever is less
Moulds, tools and dies damage to moulds, tools and dies
belonging to the insured up to a limit of 25,000
Book Debts Policy Section 3

Covers outstanding debit balances which cannot be traced if

your accounts are destroyed or damaged for your sum insured
up to a maximum of 250,000
exclusions as shown under the Business Interruption section.

sum insured is not reduced following a claim subject to payment
of the appropriate additional premium
Conditions
Monthly records must be kept and a copy stored away from
your premises
Money Policy Section 4

Crossed cheques and other non-negotiable money maximum

benefit 500,000
loss due to the dishonesty of any partner, director or employee

which is not discovered within 15 days of such loss
Cash and other negotiable money:

on the premises during business hours, in transit or in a bank
night safe your limit
in a locked safe at the premises out of business hours your
limit
out of a safe outside business hours in the premises 500
in your personal custody or that of your employees out of
business hours 500
Personal Accident Assault If you or your partners, directors or
employees are attacked during theft or attempted theft of money
whilst on business:
death, loss of limb, loss of sight and permanent total
disablement of 25,000
temporary total disablement 100 per week (up to 104 weeks)
temporary partial disablement 50 per week (up to 104 weeks)
victim care (professional counselling fees for emotional stress)
1,000 any one incident, 5,000 in total
Loss or damage to any safe at the premises, or any bag or other
container used to carry money
Loss or damage to clothing and personal belongings following
theft or attempted theft of money
damage to any machine that uses coins, notes or tokens

loss from any unattended vehicle
personal assault benefits to any person aged under 16 or
over 70 years
Conditions
Whenever the premises are closed for business the safe keys
must be removed from the premises, money in transit must
be accompanied by 2 adults when in excess of 3,000 and
3 adults when in excess of 6,000 or a professional security
company in excess of 15,000
Own Goods in Transit Policy Section 5

Loss or damage to your property whilst in transit within one of

your own vehicles or in transit by other carriers. Sums insured as
specified by you
loss or damage due to
Sheets and ropes cover includes sheets, ropes, packing

materials and the like
Additional vehicles any recently acquired non specified vehicle
up to 2,500 any one claim
Substitute vehicles cover includes any substitute vehicle whilst
your own vehicle is undergoing service or repair
Transshipment and debris removal costs cover up to 7,500
any one claim
depreciation, contamination or deterioration unless caused by

accident to the vehicle
faulty packing or incorrect addressing of any parcel or package
theft from any vehicle left unattended, unless the vehicle has all
points of access closed and secured by all the locks and other
protections fitted and all the keys are removed, and between the
hours of 9.00pm and 6.00am is kept in a securely locked building
water damage or theft of goods in open/curtain sided
open/soft top vehicle
certain specified items such as glass, livestock, precious metals
or stones, jewellery, watches, furs, money, securities, stamps,
documents, manuscripts, business books, plans or designs
delay, loss of market or consequential loss
loss or damage outside Great Britain, Northern Ireland, the
Republic of Ireland, the Isle of Man or the Channel Islands
100 excess or higher amount when agreed applies to all
claims
Conditions
You must take all reasonable care in the selection of honest
and competent employees, and maintain vehicles in a
roadworthy condition
Specified All Risks Policy Section 6

Damage to property whilst on your premises only or anywhere in

the UK, EU or worldwide as specified by you
loss due to any person obtaining any property by deception

sum insured is not reduced following a claim subject to payment
of the appropriate additional premium
Data processing and ancillary equipment cover includes
damage caused by dryness or dampness, corrosion or rust if
resulting from damage to air conditioning equipment
frost, wear and tear, gradual deterioration, inherent defect,

depreciation
rot, mildew, rust, corrosion, insects, woodworm, vermin
dyeing, cleaning, repair, renovation, or scratching
electronic, electrical or mechanical breakdown, failure or
derangement
faulty manipulation, design, plan, specification or materials
theft from any vehicle left unattended, unless the vehicle has
all points of access closed and secured by all the locks and
other protections fitted and all the keys are removed, and
between the hours of 9.00pm and 6.00am is kept in a securely
locked building
loss or damage outside of the territorial limits see your
policy schedule
single article limit of 5,000 and a maximum sum insured
of 25,000
250 excess for computers and electrical equipment, 100
other property
Employers', Public and Products Liability Policy Sections 7 and 8

Covers your legal liability to insure your employees for death or

injury happening in the course of their employment with you up
to 10 million any one claim
loss of or damage to property belonging to you or in your

charge or control
Covers your legal liability in connection with your business for:

accidental injury to members of the public or accidental
damage to property not owned by you up to a selectable limit
of indemnity of 2 million, 5 million or 10 million any one
claim
accidental injury or accidental damage caused by products
supplied up to a selectable limit of indemnity of 2 million,
5 million or 10 million any one period of insurance
Cover includes the legal liabilities of:
members of your canteen, social, sports or welfare organisation
or ambulance, first aid or fire services
your partners, directors or employees
anyone you are carrying out work for under any contract in
respect of that work
Joint insured if more than one party is named as the Insured
the policy will cover them separately subject to the overall policy
limit
Overseas personal liability covers a temporary visit to any other
country made in connection with the business
Health and safety at work legal defence costs provides legal
and other costs incurred in defending prosecutions
Motor contingent liability indemnifies you against liability
for vehicles not owned or provided by you in connection with
the business
Data Protection Act Cover provides protection up to a limit of
250,000
Defective Premises Act 1972 protects you from potential
liabilities for defects in properties let, sold or disposed of by you
Consumer protection and food safety acts legal defence costs
covers cost of defence of criminal proceedings
Court attendance covers attendance as a witness in connection
with the defence of a claim. Limits are:
750 for each days attendance for partners and directors
250 for each days attendance for an employee
liability for loss or damage to goods sold, supplied, delivered,

installed or erected or the cost of recalling or refunding a
defective product or replacing, repairing or reinstating faulty
work
liability arising out of ownership, possession or use of any
mechanically propelled vehicle or attached trailer where motor
insurance is required by law (other than for loading or
unloading) or any water craft or aircraft
liability arising out of error or omission in any advice, design,
formula, specification, inspection, certification or testing
performed for a fee
in respect of injury, loss or damage arising from products
liability which attaches solely under the terms of an
agreement
installed or incorporated in aircraft or spacecraft
comprising computer tapes and/or discs and the information
recorded on them
claims made in any country outside the European Union if
you have premises or representation in that country
exports to the USA or Canada
public and products liability in respect of:
injury to any employee
manual work away from the premises or outside of the EU
(other than collection or delivery)
loss or damage to contract works undertaken under a contract
or liability under JCT Clause 6.5.1
any liability in respect of pollution or contamination
in the USA or Canada
elsewhere unless due to a sudden, identifiable, unintended
and unexpected incident
fines, penalties or liquidated, aggravated, punitive or exemplary
damages
injury to any Employee where motor insurance is required by
law to be in force
work on an offshore installation or travelling to or from
liability in any way caused by, arising from or contributed to by
exposure to, fear of exposure to, or inhalation of asbestos
Personal Accident Policy Section 10

Provides compensation in accordance with the Scale(s) of

compensation specified in the Schedule for accidental bodily
injury during period of insurance and operative time of cover
which, within 12 months thereof solely directly and
independently of any other cause results in:
the policy does not cover injury arising from:
Death
Permanent Total Disablement
Loss of Hearing
Loss of Internal Organ
Loss of Limb
suicide or self injury

drugs or Alcoholism
winter sports (other than curling or skating)
flying as a member of aircraft crew
service in the armed forces
sexually transmitted diseases including HIV
sickness or disease
Loss of Sight
Loss of Speech
Temporary Total Disablement
Condition Age Limitation
Temporary Partial Disablement
Unless otherwise agreed by the Insurer and specifically noted in

this Section no person aged 75 or over at the commencement of
the Period of Insurance will be covered by this Section
Theft by Employee Policy Section 11

Covers loss of money or goods belonging to the Insured caused

by Theft by any Employee described in the Schedule
theft by an Employee discovered more than 24 months after

the termination of this Section
loss of interest or consequential loss of any kind
loss where the Insured continues to entrust the defaulting
Employee with money or goods after becoming aware of any
material fact bearing on the honesty of the said Employee
any unexplained shortages
the Excess
Terrorism Policy Section 12

Covers your business against losses suffered as a result of an act

of terrorism
digital and cyber risks
Includes losses incurred through:

destruction, damage or loss of insured property
and/or
business interruption
losses occasioned by riot, civil commotion and war

any losses arising from locations outside of England, Wales and
Scotland
any land or building which is insured in the name of an individual
and is occupied by that individual for residential purposes
Core Cover
Commercial Legal Expenses Policy Section 9
Commercial Legal Expenses is a claims made cover section, which means that claims must be initially notified to the
insurers during the period of insurance.
1 Employment Disputes and Awards of Compensation

You have cover of up to 100,000 for any one claim in respect
of your legal costs to:
pay Basic and Compensatory awards
Any claim arising from disciplinary action against an employee,

or change to an employees contract of employment, where
you have not sought and followed the advice of the Lawphone
Legal Helpline.
pursue a previous employee to recover possession of

premises belonging to you
Any incident giving rise to a claim must occur at least three

months after the start of the first period of insurance.
pursue a previous employee following a breach of an express

restrictive covenant
Any dispute with an employee who was subject to a written or

verbal warning in the six months before the start of the first
period of insurance.
defend disputes at an Employment Tribunal
Any costs arising out of an internal disciplinary hearing or

grievance.
Any claim relating to a breach of an express restrictive
covenant where the employee was working his or her notice
period before the inception of this cover
2 Taxation proceedings
You have cover of up to 100,000 (apart from a business self
assessment Aspect enquiry where the most we will pay is
2,000) for any one claim in respect of your professional fees
and costs to represent you in:
An excess of 200 in respect of a business self assessment

Aspect enquiry by HM Revenue & Customs.
Any IR35 enquiry by HM Revenue & Customs.
a business self assessment Full or Aspect Enquiry by HM

Revenue & Customs;
Any claims relating to HMRC Specialist Investigations or

conducted under the HMRC Civil Investigation of Fraud or
Criminal Investigations procedures.
an Employer Compliance Dispute with HM Revenue &

Customs into your PAYE, National Insurance Contributions or
Construction Industry Scheme affairs;
Any claim relating to deliberate, reckless or careless misstatements by you.
a VAT dispute with HM Revenue & Customs following a

written decision, assessment or statement of alleged VAT
arrears or a written notice of VAT default surcharge.
3 Criminal Prosecution Defence

of your legal costs to defend your legal rights after an event
which arises out of your normal business activities and results
in criminal proceedings against you.
The defence of a prosecution relating to:

fraud, theft or other dishonesty; or
the ownership, possession or use of motor vehicles,
aircraft, watercraft, trailers or caravans; or
any investigation by HM Revenue & Customs.
4 Damage to Premises
of your legal costs if you take legal action in a dispute relating
to physical damage caused to your business premises which
results in proven financial loss to you.
Damage arising out of a contract you have with another

person or organisation.
Commercial Legal Expenses Policy Section 9 (continued)

5 Data Protection
of your legal costs to:
Defend you in a civil dispute relating to the Data Protection
Act 1998.
The defence of a criminal prosecution.

Any dispute relating to your failure to register as a Data
Controller.
Appeal against a refusal of an application for registration or

alteration of your registered particulars.
Appeal against an Enforcement, De-registration or Transfer
Prohibition Notice.
Pay compensation awards against you relating to the holding,
loss or unauthorised disclosure of data under Data Protection
legislation.
6 Commercial Tenancy Agreement

of your legal costs to pursue your legal rights in a dispute
relating to your commercial tenancy agreement.
Any disputes relating to rent or service charges, planning or

building regulations or decisions.
Any dispute relating to the renewal of a lease or tenancy
agreement.
Any dispute relating to the letting of premises for residential
purposes.
7 Statutory Licence Appeal

of your legal costs to appeal the withdrawal, restriction or
suspension of your statutory licence.
Any appeal arising out of a hearing resulting from a

commercial decision made by you.
Any appeal relating to a statutory licence which had been the
subject of an appeal within the 12 months prior to the
inception of this cover.
Any disciplinary or internal procedures (or appeals from those
procedures) conducted by authorities who regulate you or your
employees in the performance of normal activities relating to
your business.
Any appeal relating to the first application for or renewal of
your statutory licence.
8 Pension Trustee Defence

of your legal costs to defend your legal rights as a trustee of a
pension fund set up for the benefit of your employees.
9 Employees Civil Defence

of your legal costs to defend your employees legal rights,
arising out of their work, under legislation for unlawful
discrimination.

10 Personal Injury
of your legal costs to pursue your legal rights against another
party who causes your death or bodily injury whilst you are
engaged in your business.
Any dispute between you and any of your employee(s).
11 Jury Service Allowance

You have cover of up to 5,000 for any one claim in respect of
the salary or wages of an employee that you cannot get back
from the court if that employee has to go to court for jury
service.
The limit is 100 per day.
12 Contract Disputes Below Small Claims Limit

Cover of up to 50,000 for any one claim in respect of your
legal costs to pursue or defend disputes with a manufacturer
or supplier or customer relating to the sale, purchase, hire,
service, supply or repair of goods or the supply or purchase of
a service.
The amount in dispute must be at least 250.

The legal action must be taken in a Small Claims Court.
Any dispute which occurs in the first three months of the first
period of insurance.
Any dispute to do with computers or lease or tenancy
agreements.
Any dispute relating to the ownership, possession, hire or use
of motor vehicles.
Additional Services available to all policyholders

Commercial Litigator Service Contract Disputes above the
Small Claims Limit in Great Britain
Access to free legal advice that will assess the merits of your
business taking legal action against another person or
organisation relating to a contractual dispute (including a
professional negligence dispute).
This service will be provided by one of our chosen solicitor firms.
The legal action to pursue the dispute must be able to be taken

within Great Britain.
The amount in dispute must be more than the Small Claims
Limit in Great Britain.
This service provides up to 7 hours free work to assess your
case. If more than 7 hours work is required to complete the
assessment, the solicitor will offer to carry out that work at a
cost that will be agreed with you before the work is carried out.
If the solicitor needs to incur expenses or other disbursements
to provide you with the assessment, you will be responsible for
those costs, which will be agreed with you before they are
incurred.
This service will not be available in respect of disputes relating
to:
libel or slander;
debt recovery;
employment contracts, partnerships or shareholdings;
property (including intellectual property);
taxation, inheritance or trusts;
insurance contracts; or
situations for which you have already received a legal
opinion or taken legal action.

Undisputed Debt Recovery Service
The legal action to recover the debt must be able to be taken

within Great Britain.
Access to this service which will pursue debts arising out of a

contract and which are not disputed by the person or
organisation that owes them to your business.
The service is provided by DWF LLP for undisputed debts within
England and Wales, and HBJ Claim Solution solicitors for
undisputed debts within Scotland.
The amount of the undisputed debt must be at least 250.

We will not cover any fees or expenses necessary to recover the
undisputed debt. These fees and expenses will be confirmed to
you before any work is undertaken to recover the undisputed debt.
This service does not apply where the person or organisation
that owes the debt to your business has a realistic chance of
defending the legal action you take to recover that debt.
Additional Benefits available to all policyholders

Lawphone Legal Helpline
Advice on any business related legal matter.
Advice is only available over the telephone.

Advice only relates to your companys legal problems.
Advice will always be in accordance with the laws of Great
Britain and Northern Ireland.
Tax Advice Helpline

Advice on any tax matter affecting your business.
The advice is provided by Abbey Tax Protection.
Advice is only available over the telephone.

No advice is available in respect of tax planning.
Advice will always be in accordance with the taxation laws of
Great Britain and Northern Ireland
Allianz Legal Online

Online support to help you produce legal paperwork in
connection with your business.
Allianz Legal Online is provided by Epoq Legal Ltd.
This service is only available over the internet.

The legal paperwork and guidance will always be in accordance
with the laws of Great Britain and Northern Ireland.
Limit of Indemnity
We will pay up to 1,000,000 for all claims first notified to us
during the Period of Insurance
General Exclusions and Conditions
Claims where there are no reasonable prospects of a
satisfactory outcome.
Claims that are not reported to us during the period of
insurance.
Any legal expenses incurred without our written consent.
At any time before we agree that legal proceedings need to be
issued, we will choose the legal representative. You can only
choose the legal representative if we agree that legal
proceedings need to be issued or if a conflict of interest arises
that means the legal representative chosen by us cannot act for
you. This does not apply to claims where we may be liable to
pay Awards of Compensation under Event 1a Employment
Defence or Data Protection Compensation Awards under Event
5 Data Protection. In these circumstances we will always
choose the legal representative.
If we agree to appoint a legal representative that you choose an
excess of 500 will apply.
Notifying a claim
How to make a claim
Commercial Legal Expenses claims
If you need to claim, your dedicated claims handler will

help and guide you through the process.
If you have a Commercial Legal Expenses claim you can

notify Allianz Legal Protection by contacting the
Lawphone Legal Advice Helpline on 0344 854 1774
You can notify Allianz of a claim by:

Telephone: 0344 893 9639
Post: Barclays Claims Centre
500 Avebury Boulevard
Milton Keynes
MK9 2XX
Online: www.barclays.co.uk/Businessinsurance
Our claims helpline is available 24 hours a day,
7 days a week
Post: The Claims Department

Allianz Legal Protection
2530 The Quadrant
Aztec West
Almondsbury
Bristol
BS32 4AW
Lines are open 24 hours a day, 365 days a year
Please try to notify Allianz of a claim promptly after the incident, or immediately in the event of a serious accident, loss or damage.
Claims Details
What to expect when making a claim
Please have the following information available, where

possible, when making a claim:
Allianz aims to deal with your claim promptly and fairly.

We will update you on the progress of your claim by email,
mail or by phone whichever you prefer.
Property Claims
Your contact information, including address and
telephone numbers
Policy type and policy number
Date the loss occurred
Location and description of the loss
Injury Claims
telephone numbers
Policy type and policy number
Date the loss occurred
Name and address of injured party
Description of the injury, where and how it occurred
Commercial Legal Expenses Claims

telephone numbers
Master Policy reference shown in the policy schedule
Brief summary of the problem
Depending on the type of claim and value involved,

we may:
forward a claim form for you to complete and sign
ask you for additional information (eg,photographs)
appoint an independent loss adjuster to deal with your
claim (loss adjusters are claims specialists who
investigate large or complex claims, usually at the
scene of an incident, to establish the cause of the loss
and assist the insurer in dealing with your claim)
arrange for a member of our claims team to visit you
Once your claim has been resolved, we will pay you (or
the appropriate person) by electronic bank transfer instead
of cheque. This ensures that you get paid quicker.
However, should you wish to receive a cheque, please let
your dedicated claims handler know.
Data Protection
Telephone calls may be recorded for our mutual
protection, training and monitoring purposes.
Allianz Insurance plc together with other companies
within the Allianz SE group of companies (Allianz Group)
may use the personal and business details you have
provided or which are supplied by third parties including
any details of directors, officers, partners and employees
(whose consent you must obtain) to:
provide you with a quotation, deal with the associated
administration of your policy and to handle claims;
search credit reference, credit scoring and fraud
agencies who may keep a record of the search;
share with other insurance organisations to help offset
risks, administer your policy, for statistical analysis, and
to handle claims and prevent fraud;
support the development of our business by including
your details in customer surveys, for market research
and business reviews which may be carried out by third
parties acting on our behalf.
to identify which insurer (or insurers) was (or were)

providing employers liability cover during the relevant
periods of employment; and
to identify the relevant employers liability insurance
policies.
The Database and the data stored on it may be accessed
and used by the Claimants, their appointed
representatives, insurers with potential liability for UK
commercial lines employers liability insurance cover and
any other persons or entities permitted by law.
The Database will be managed by the ELTO and further
information can be found on the ELTO website
www.elto.org.uk
Allianz will share your information with Barclays Group for
the purpose of managing policy(ies), to assess the
conditions of the insurance contract, to deal with claims,
to obtain/provide quotations on an ongoing basis and in
the normal course of servicing and administering your
insurance.
Under the Data Protection Act 1998 individuals are
entitled to request a copy of all the personal information
Allianz Insurance plc holds about them. Should you
require further details in respect of this matter please
contact the Customer Satisfaction Manager at Barclays
Business Insurance, PO Box 883, Lancaster, LA1 9JA.
Allianz Group may need to collect and process data

relating to individuals who may benefit from the policy
(Insured Persons), which under the Data Protection Act
is defined as sensitive (such as medical history of Insured
Persons) for the purpose of evaluating the risk and/or
administering claims which may occur. You must ensure
that you have explicit verbal or written consent from the
Insured Persons to such information being processed by
Allianz Group and that this fact is made known to the
Insured Persons.
Personal details may be transferred to countries outside

the EEA. They will at all times be held securely and
handled with the utmost care in accordance with all
principles of English law.
If your policy provides Employers' Liability cover

information relating to your insurance policy will be
provided to the Employers' Liability Tracing Office (the
ELTO) and added to an electronic database, (the
Database) in a format set out by the Employers' Liability
Insurance: Disclosure by Insurers Instrument 2010.
By applying for and/or entering into this insurance policy

you will be deemed to specifically consent to the use of
your data and your insurance policy data in this way and
for these purposes and that your directors, officers,
partners, and employees have consented to our using their
details in this way.
The Database assists individual consumer claimants who

have suffered an employment related injury or disease
arising out of their course of employment in the UK for
employers carrying on, or who carried on, business in the
UK and who are covered by the employers liability
insurance of their employers, (the Claimants):
Barclays Bank PLC. Registered in England. Registered No. 1026167. Registered office: 1 Churchill Place, London, E14 5HP.
Barclays Bank PLC. Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the
Prudential Regulation Authority (Financial Services Register number: 122702).
ACOM3831_1 09.15
Barclays Bank PLC act as an introducer to Allianz Insurance plc for Barclays Business Insurance which is arranged, administered and
underwritten by Allianz Insurance plc (registered number 84638), registered office 57 Ladymead, Guildford, Surrey, GU1 1DB.
Allianz Insurance plc is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the
Prudential Regulation Authority. Financial Services Register number 121849. Barclays Bank PLC is not part of the Allianz (UK) Group.

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Complete Business

You may be entitled to compensation from the FSCS if we

How do I make a complaint?

Will I have any cancellation rights?

Allianz aims to get it right, first time every time. If we

You have a right to cancel the policy within a 14 day

If we have not resolved the situation within 8 weeks we

This is subject to certain terms, full details of which can

If you have a complaint please contact our Customer

How do I make a claim?

Customer Satisfaction Manager

Telephone: 0344 893 9639

Would I receive compensation if Allianz were

Telephone: 0344 871 6619

Please read the policy

Complete Business Insurance | 1

Significant Exclusions or Limitations

Covers loss or damage to all trade contents caused by the

explosion due to bursting of non domestic steam boilers, or

fire, lightning and explosion

malicious damage, burst pipes, sprinkler leakage or escape of

theft or theft damage not involving forcible and violent entry

Services damage to services including telephone, gas, water

2 | Complete Business Insurance

loss or damage to property outside the UK

Property Damage Policy Section 1 (continued)

Significant Exclusions or Limitations

Metered utilities covers additional metered supply charges

Complete Business Insurance | 3

Business Interruption Policy Section 2

Significant Exclusions or Limitations

Loss of Gross Profit or Revenue resulting from loss or damage by

exclusions as shown under the Property Damage section,

Option of 12, 18, 24 or 36 months indemnity period

malicious damage, riot or civil commotion causing deliberate

Inflation provision sum insured is increased by 33.33% to

Increased Cost of Working Policy Section 2a

Significant Exclusions or Limitations

Covers additional expenditure necessarily and reasonably

the Policy exclusions and the exclusions as shown under the

Option of 12, 18, 24 or 36 months indemnity period

Book Debts Policy Section 3

Significant Exclusions or Limitations

Covers outstanding debit balances which cannot be traced if

exclusions as shown under the Business Interruption section.

Automatic reinstatement of loss other than theft claims the

Complete Business Insurance | 5

Money Policy Section 4

Significant Exclusions or Limitations

Crossed cheques and other non-negotiable money maximum

loss due to the dishonesty of any partner, director or employee

Cash and other negotiable money:

6 | Complete Business Insurance

damage to any machine that uses coins, notes or tokens

Own Goods in Transit Policy Section 5

Significant Exclusions or Limitations

Loss or damage to your property whilst in transit within one of

loss or damage due to