Public Liability Insurance
for Professional Nannies
POLICY DOCUMENT
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Public Liability Insurance for Professional Nannies
POLICY DOCUMENT
WELCOME
In 1993 a former bookkeeper recognised a need in
the domestic employment industry and introduced the
concept of a dedicated, user-friendly payroll service for
families who employ nannies. From his home, armed
with nothing more than a calculator, a pen and a
telephone, he began helping families with their nannies’
PAYE and Nannytax was born.
Now, as part of Enable Ltd, Nannytax is delivering
domestic payroll to well over 10,000 clients.
From the very beginning Nannytax has been much
more than a simple payroll service, offering support
and advice throughout the whole employment process.
Product excellence is matched by our reputation for
delivering a superior service, not only to our clients
but their nannies and the nanny agencies that
place them.
As the needs of this industry evolve and as the
regulations that affect it change, we adapt to ensure
our clients and their nannies continue to have access
to the services they need.
Working in partnership with Fish Insurance, Nannytax,
as part of Enable Ltd, is proud to provide Nannyinsure,
a Public Liability Insurance policy specically designed for
professional nannies. With twenty years of payroll and
domestic employment experience, and a team of friendly,
experienced staff you can be condent of carrying out
your professional duties knowing you are protected against
anything unfortunate. A Nannyinsure policy also meets
the requirements for Ofsted Registration; criteria that is
becoming increasing in demand within the profession.
We hope you nd this policy document useful in ensuring
you get the most out of your insurance policy. Please take
the time to read your policy wording, the Nannyinsure
Terms of Business, Insurance Product Information
Document and Schedule (enclosed with your documents)
as they contain vital information about your policy.
Thank you for choosing Nannyinsure.
Jenni Bond
Managing Director
Enable Ltd
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INTRODUCTION
Introduction 4
The Parts Of Your Policy / Understanding Your Policy 4
Information You Have Provided 4
Changes That May Affect Your Cover 4
Cancellation By You 5
The Law That Applies 5
Claims 5
Complaints Procedure 5
Financial Ombudsman 5
Online Dispute Resolution Portal 6
Financial Services Compensation Scheme 6
Watford Insurance Company Europe Limited
Information Notice
6
UK General Insurance Ltd Privacy Notice 6
Authorisation and Regulation 6
Language and Interpretation 7
The Basis of Your Policy 7
Meaning of Words and Terms 7
COVER
SECTION 1 – PUBLIC LIABILITY
Public Liability Cover 8
Limit of Liability 8
Extensions 9
Exclusions 10
SECTION 2 – PERSONAL ACCIDENT
Personal Accident Cover 11
Schedule of Benets – Our Limit of Liability 11
Exclusions 11
CONDITIONS
Claims – What You Must Do 12
General Policy Conditions 12
General Policy Exclusions 14
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INTRODUCTION
Your Policy provides evidence of the insurance cover
You (the person named in the schedule) have bought
from the Administrator.
We have prepared Your Policy based on the
information You gave the Administrator. You should:
1) read it carefully to ensure:
a) You understand all details of the cover, and
b) it meets Your needs
2) check all details in the schedule are correct
3) tell the Administrator as soon as possible if You
think any of the above is not the case
4) keep Your Policy safe
You can contact the Administrator using any of
these methods.
Tel: 020 3137 441
In writing addressed to:
Enable Insurance Services
Customer Care Team
PO Box 988, Brighton BN1 3NT
The Administrator may monitor or record phone
calls for training and to protect You and them.
THE PARTS OF YOUR POLICY/UNDERSTANDING
YOUR POLICY
Please take time to read your policy documents in
full to make sure you understand the cover provided.
In return for the payment of Your premium We will
provide the insurance cover detailed in Your Policy
Schedule and this policy document, subject to the terms
and conditions, and exclusions shown in this document for
all claims occurring during the Period Of Insurance.
Your policy is valid for the Period Of Insurance as
shown on Your Policy Schedule.
Please refer to the policy documents provided to You
when the policy was purchased or amended, for details
of the type and level of cover Your policy provides.
Each Section may have:
1) Cover – what We will insure You against
2) Limit of Liability – the maximum amount We will pay
3) Conditions – details of requirements, limitations and
provisions
4) Exclusions – details of what We will not insure You
against
5) Extensions – details of extra cover We will provide
They only apply to the Section they appear in.
There are General Policy Conditions. Unless specically
stated, they apply to the whole Policy.
The Administrator has arranged cover with one
insurer. The schedule tells You:
1) the cover You have bought, and
2) the insurer for that cover
The Administrator will provide an endorsement to
show any changes in the cover. You should keep it safely
with Your Policy.
An endorsement may:
1) extend
2) restrict, or
3) change the cover
INFORMATION YOU HAVE PROVIDED
You must take reasonable care to provide accurate
and complete answers to all the questions You are
asked
when You take out, make changes to, or renew
this policy.
You must notify Your Administrator as soon
as possible if any of the information in Your policy
documents is incorrect or if You wish to make a
change to Your policy.
If You do not provide accurate and complete answers
to the questions You are asked, or You fail to notify
Your Administrator of any incorrect information
or changes You wish to make, Your policy may not
operate in the event of a claim, We may charge You
an additional premium, We may not pay any claim in
full or Your policy could be invalid.
CHANGES THAT MAY AFFECT YOUR COVER
You must tell Us as soon as possible about any changes
to the information You provided when You purchased
or renewed this policy, for example:
Change of circumstances
Change of address
This is not an exhaustive list and any changes You
tell Us about may affect Your cover or result in a
change to Your premium. If You are unsure whether
a change may affect Your cover, please contact
Your Administrator.
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CANCELLATION BY YOU
You should make any request for the cancellation
of a policy to the Administrator:
1) By telephone – 020 3137 4410
2) or in writing addressed to:
Nannyinsure, Customer Care Team
PO Box 988, Brighton BN1 3NT
You have the right to cancel this policy within
14 days of the date You purchased the policy or
when You received the policy documents, if this
is later. You do not need to provide a reason for
cancellation, and We will provide a full refund of
any premium paid, unless You have made a claim
or there has been an incident likely to result
in a claim.
If You wish to cancel the policy after 14 days, We
will provide a refund, less a proportionate charge
for any cover already provided, unless a claim has
been made or there has been an incident likely to
result in a claim.
Where a claim has occurred or there has been an
incident likely to result in a claim no refund of premium
will be provided. If You pay for Your policy by monthly
instalments You must pay the remainder of Your
monthly instalments or pay the remainder of the
annual premium in full.
THE LAW THAT APPLIES
This policy is governed by English law.
CLAIMS
If You need to make a claim or there is an Event,
incident
or circumstance which may result in
a claim, You must:
1) Contact our Claims Team at Fish Insurance on
0333 331 3840 or alternatively in writing at
12 Sceptre Court, Sceptre Way, Bamber Bridge,
Preston, PR5 6AW.
2) Comply with the General Policy Conditions
If You are not sure about the claims procedure You
should follow, please contact Us.
Tel: 0333 331 3840
Email: claims@shinsurance.co.uk
UK General Insurance Limited is an insurer’s agent
and in the matters of a claim act on behalf of Watford
Insurance Company Europe Limited
COMPLAINTS PROCEDURE
It is
Our
intention to give
You
the best possible service
however if
You
do have any cause for complaint about
this insurance or the handling of any claim
You
should
follow the complaints procedure below:
For a complaint about the sale of Your Policy or any
other type of complaint other than a liability claim,
please contact
Enable at Fish Administration Ltd
Tel: 0333 331 3840
Email: complaints@shinsurance.co.uk
Write to: Complaints Dept, Fish Insurance, 12 Sceptre
Court, Sceptre Way, Bamber Bridge, Preston PR5 6AW
If Your complaint is about the handling of a liability
claim, please contact:
Kennedys Claims Handling
6 Queen Street
Leeds LS1 2TW
Tel: 0845 207 7453
or landline if preferred: 0113 531 4496
Email: UKG@kennedyslaw.com
In all correspondence please state that your
insurance is underwritten by UK General Insurance
and quote your unique policy number from your
policy schedule.
Following Our complaints procedure does not affect
Your legal rights as a consumer. For further information
You can contact the Citizens Advice Bureau or Trading
Standards.
FINANCIAL OMBUDSMAN
If We have not completed our investigations into Your
complaint within 8 weeks of receiving Your complaint
or if You are not happy with Our Final Response, You
may ask the Financial Ombudsman Service (FOS) to
look at Your complaint. If You decide to contact them,
You should do so within 6 months of receiving our
Final Response Letter.
For more information regarding the scope of the
Financial Ombudsman Service please refer to
www.nancial-ombudsman.org.uk.
The Financial Ombudsman Service,
Exchange Tower, London E14 9SR
Tel: 0800 023 4567
Get in touch on line: https://www.nancial-ombudsman.
org.uk/contact-us/complain-online
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ONLINE DISPUTE RESOLUTION PORTAL
If You have purchased the insurance policy online, You
may also raise Your complaint via the Online Dispute
Resolution Portal at http://ec.europa.eu/consumers/
odr/. This will forward Your complaint to the correct
Alternative Dispute Resolution scheme. For insurance
complaints in the UK this is the Financial Ombudsman
Service. However, this may be a slower route for
handling Your complaint than if You contact the
Financial Ombudsman Service directly.
FINANCIAL SERVICES COMPENSATION SCHEME
If Watford Insurance Company Europe Limited.
cannot meet their obligations, You may be entitled to
compensation from the Financial Services Compensation
Scheme (FSCS). You can get more information about
compensation scheme arrangements from the FSCS or
visit www.fscs.org.uk.
WATFORD INSURANCE COMPANY EUROPE LIMITED
INFORMATION NOTICE
Personal Data provided in connection with this policy
will be used and processed in line with the Information
Notice. A copy of this is available at https://www.
watfordre.com/privacy-policy/
UK GENERAL INSURANCE LIMITED PRIVACY NOTICE
We are UK General Insurance Limited, Our data
controller registration number, issued by the Information
Commissioner’s Ofcer, is Z7739575.
This information is relevant to anyone who uses Our
services, including policyholders, prospective policyholders,
and any other individuals insured under a policy.
We are dedicated to being transparent about what We
do with the information that We collect about You and
We process Your personal data in accordance with the
relevant data protection legislation.
Why do we process your data?
The provision of Your personal data is necessary for
Us to administer Your insurance policy and meet Our
contractual requirements under the policy. You do not
have to provide Us with Your personal data, but We
may not be able to proceed appropriately or handle any
claims if You decide not to do so.
What information do we collect about you?
Where You have purchased an insurance policy
through one of Our agents, You will be aware of the
information that You gave to them when taking out the
insurance. The agent will pass Your information to Us
so that We can administer Your insurance policy and
full Our contract of insurance.
For specic types of insurance policies, for example
when offering You a travel insurance policy, We may
process some special categories of Your personal data,
such as information about Your health.
We collect this data as we are required to use this
information as part of Your insurance quotation or
insurance policy with Us. We may also process the data
where it is necessary for a legal obligation, or as part of
the establishment or defence of a legal claim.
We also process special categories of Your personal
data as it is in the substantial public interest and it is
necessary: i) for administering Your insurance policy; or
ii) to prevent and detect an unlawful act (e.g. fraud).
Privacy Notice
You can get more information about this by viewing
Our full Privacy Notice online at http://ukgeneral.com/
privacy-notice or request a copy by emailing Us at
can write to Us at: Data Protection, UK General
Insurance Limited, Brookeld Court, Selby Road,
Leeds, LS25 1NB.
AUTHORISATION AND REGULATION
Nannyinsure is the trading name of Enable Limited,
registered in England and Wales, No. 04552449,
registered ofce 7th Floor, Telecom House, 125-135
Preston Road, Brighton, BN1 6AF. Enable Limited is
an Appointed Representative of Fish Administration
Limited and authorised by them to sell liability insurance
for nannies and their employers. Fish are authorised
and regulated by the Financial Conduct Authority. Firm
Reference Number is 310172. Fish Administration
Limited is registered in England and Wales. Company
Registration Number 4214119. Registered Ofce:
Rossington’s Business Park, West Carr Road, Retford,
Nottinghamshire, DN22 7SW. Part of PIB Group.
Nannyinsure is arranged by: Fish Insurance with
UK General Insurance Ltd on behalf of Watford
Insurance Company Europe Limited. Watford
Insurance Company Europe Limited is a Gibraltar
based insurance company with its registered ofce
at; PO Box 1338, First Floor, Grand Ocean Plaza,
Ocean Village, Gibraltar.
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UK General Insurance Limited is authorised and
regulated by the Financial Conduct Authority.
Firm Reference No. 310101. You can check Our
details on the Financial Services Register
https://register.fca.org.uk/.
Watford Insurance Company Europe Limited is
authorised and regulated by the Gibraltar Financial
Services Commission under incorporation number
112869. This can be checked by visiting the Gibraltar
FSC website at https://www.fsc.gi/.
As an insurance company authorised in Gibraltar,
Watford Insurance Company Europe Limited is
permitted under the Financial Services and Markets
Act 2000 (Gibraltar) Order 2001 to conduct business
in the United Kingdom under FCA reference
714197. You can check this by visiting the
Financial Services Register on the FCA website
at https://register.fca.org.uk.
Details about the extent of its regulation by the Financial
Conduct Authority are available on request.
LANGUAGE AND INTERPRETATION
We have written Your Policy in English. We will
communicate with You in English. We intend singular
words to include the plural and plural words to include
the singular, unless the context requires otherwise.
Words in bold italics have specic meanings.
The denitions are in the Meaning of Words and
Terms section on page 7.
THE BASIS OF YOUR POLICY
In return for the payment of Your premium We
will provide the insurance cover detailed in Your
policy schedule and this policy document, subject to
the terms and conditions, and exclusions shown in
this document for all claims occurring during the
period of insurance.
Your policy is valid for the period of insurance as
shown on Your policy schedule.
Please refer to the policy documents provided to
You when the policy was purchased or amended, for
details of the type and level of cover Your
policy provides.
MEANING OF WORDS AND TERMS
Wherever these words appear in bold they have the
following meanings:
Accident means a sudden, unexpected, unusual,
specic event, which occurs at an identiable time
and place.
Administrator means Enable Ltd trading as
Nannyinsure
Bodily Injury means identiable physical injury
including death, clinically diagnosed illness, disease,
or sickness.
Contractual Liability means liability that only
exists because of a contract or agreement.
Damage means accidental loss or damage caused
by external means.
Dangerous Dog means a dog as dened in
the Dangerous Dogs Act 1991 or the Dangerous
Dogs (Northern Ireland) Order 1991 and any
subsequent changes to or replacement of
that legislation.
Event means a signicant occurrence or happening
at a specic time and place.
Limit of Liability means the amount stated
on Your Schedule.
Period of Cover means the period between
the Start Date shown in the Schedule and the
earlier of the End Date shown in the Schedule
or the date any cancellation takes effect (both
dates inclusive).
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Pollution or Contamination means
a) all pollution or contamination of buildings,
structures, water, land or the atmosphere and
b) all loss, Damage or Bodily Injury directly or
indirectly caused by or arising from such pollution
or contamination
Rising from a sudden identiable unintended and
unexpected incident which takes place in its entirety
at a specic time and place during the Period
of Cover.
Product Supplied means any product or thing sold,
supplied, erected, repaired, altered, treated, installed,
manufactured, tested, serviced, hired out, stored, given,
provided or delivered by You.
Property means material property (that is property
that can be touched).
Proposal means any information provided by You
or declaration made by You in connection with this
insurance.
Schedule means the document issued by Us which
conrms the start and end date, the Insured, cover
selected and the Limit of Liability.
Support Duties means
a) providing care for children
b) carrying out domestic duties for Your employer as
an additional responsibility in support of providing
care for children
Temporarily/Temporary means a consecutive
period not exceeding 90 days each trip and 180 days
in total during the Period of Cover.
Territorial Limits means Great Britain, Northern
Ireland and the Isle of Man.
Us, We, Our means Fish Insurance with
UK General Insurance Ltd on behalf of
Watford Insurance Company Europe Limited.
You, Your, Yours, Yourself means the person(s)
shown in the Schedule as the Insured(s).
SECTION 1
PUBLIC LIABILITY
PUBLIC LIABILITY COVER
Where an Event during the Period of Cover and
within the Territorial Limits accidentally causes
the following:
1) Bodily Injury to any person, or
2) Damage to Property not belonging to You
or Your Family, or
3) obstruction, trespass, nuisance or interference with
any right of way, or
4) error or omission in the provision of the following
medical treatment:
i) nursing care
ii) administration of medicines or drugs issued
with or without prescription or
iii) rst aid
We will cover Your liability for:
1) compensation; and
2) claimants’ costs and expenses
LIMIT OF LIABILITY
The Limit of Liability applies to each Event.
We will not pay more compensation than the
Limit of Liability for each Event even if there
are several claims or people claiming against You.
The amount of Compensation We pay will include
claimants’ costs and expenses. Your Schedule
tells You the amount of the Limit of
Liability.
If We agree to pay any costs in connection with
the claim under this Section We will pay them as
well as the Limit of Liability.
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EXTENSIONS
1) Work Overseas
We will provide cover elsewhere in the world when:
a) You are required on a Temporary Basis
to provide Support Duties outside of
the Territorial Limits to an individual who
normally resides within Great Britain,
Northern Ireland and the Isle of Man.
b) if You are normally resident within the
Territorial Limits
Public liability cover is excluded in USA and Canada.
2) Leased or Rented Premises
Public Liability Exclusion 1c) will not apply to liability
for Damage to premises (including their xtures
and ttings) leased or rented to You.
However, We will not provide cover against:
a) Contractual Liability relating to leased or
rented premises, and
b) the rst £250 of claims You or any other person
entitled to cover must pay before We will be liable
to make any payment. This will include the rst
amount under Public Liability Exclusion.1f above
and apply to each and every instance of loss or
Damage; the rst amount will not apply if caused
by re or explosion. If We make any payment on
Your behalf which includes this rst amount, You
must repay the rst amount to Us.
3) Buildings Temporarily Occupied
Public Liability Exclusion 1c) will not apply to liability
for Damage to buildings (including contents in them)
which are not owned, leased or rented by You but are
temporarily occupied by You for the purpose of
maintenance, alteration, extension, installation or repair.
4) Food Safety Act
If criminal proceedings are brought for a breach of
the Food Safety legislation in connection with an
offence alleged to have been committed during the
Period of Cover and in the course of Support
Duties, then We will cover You for:
a) legal costs and expenses incurred with Our
written consent in the defence of those
proceedings (but not for nes and penalties),
b)
legal costs and expenses incurred in an appeal against
conviction arising from those proceedings, and
prosecution costs awarded in connection with them.
5) Costs and Expenses
For any claim We will also cover You for:
a) Costs and expenses incurred with Our written
consent at any:
i) Coroner’s Inquest or other inquiry in respect
of any death, and
ii) proceedings in any court for any act or failure
to act relating to any Event,
b) other costs and expenses incurred with Our
written consent in relation to any matter for
which We provide cover under this section.
6) Indemnity to Principal
We will also cover any Public or Local Authority
or other Principal in the same way as You,
provided:
a) if the claim was made against You, You would
be covered under this Policy
b) the Public or Local Authority or other Principal
complies with all the provisions, conditions and
requirements of this Policy so far as they can
apply, and
c)
under no circumstances will Our overall liability for
damages, costs and expenses exceed the relevant
Limit of Liability shown in the Schedule.
7) Health and Safety at Work Act
If criminal proceedings are brought for a breach of
the Health and Safety at Work legislation in
connection with an offence alleged to have been
committed during the Period of Cover and in
the course of Support Duties, then We will
cover You for:
a) legal costs and expenses incurred with Our
written consent in the defence of those
proceedings (but not for nes and penalties),
b) legal costs and expenses incurred in an
appeal against conviction arising from those
proceedings, and
c)
prosecution costs awarded in connection with them.
Provided that:
1) nothing will increase Our liability to pay any
amount exceeding the Limit of Liability
stated in the Schedule, and We will not cover
You against liability for which cover is provided
by any other insurance.
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EXCLUSIONS
1) We will not provide cover in respect of
Your liability:
a) for Bodily Injury to You,
b) for Damage to Property in Your custody or
control
c) arising from any practitioner operating in a
professional capacity for:
i) any medical advice or opinion given
ii) the administration or prescription of drugs or
treatment
d)
caused by or arising from any Product
Supplied
after it has ceased to be in Your
control other
than food or drink for consumption
at any premises
where You carry out
Support Duties,
e) the rst £100 of any claim You must pay
before We will be liable to make any payment
in respect of Damage to Property of others.
This will apply to each Event or series of
Events arising from any one cause. If We
make any payment on You behalf which
includes this rst amount, You must repay
the rst amount to Us,
f) arising from:
i)
the ownership or occupation of land
or buildings
ii) the carrying out of any business, profession,
trade or employment other than provision of
Support Duties, and
iii) the ownership, possession or use of animals
other than domestic cats or dogs.
g) when punitive, exemplary or aggravated
damages are awarded against You
h) from a contract where You would have been
liable in any Event
i) where You are entitled to indemnity from
another source
2) Dangerous Dogs
We will not pay for any loss, liability or expense
caused by You having or owning a Dangerous Dog.
3) Defamation
We will not pay for any loss, liability or expense
resulting from alleged or actual defamation by You.
4) Fines and Penalties
We will not cover You for any:
a) nes and penalties
b) punitive or exemplary awards
5) Deliberate and Malicious Acts
We will not cover You against Bodily Injury, loss
or liability resulting from a deliberate or malicious act
or failure to act by any person entitled to cover
under this Policy if the result could reasonably have
been expected, taking into account the nature and
circumstances of that act or omission.
6) Caused by or arising from the ownership, possession
or use by or on behalf of You of any
i) aircraft, aero spatial device or hovercraft,
ii) watercraft, or
iii)
mechanically propelled vehicle for which compulsory
insurance or security is required under any
legislation governing the use of the vehicle,
7) Contractual Liability
We will not cover You for Contractual Liability.
8) Where You have not received the appropriate
training or are not formally qualied to undertake
the duties performed.
9) Pollution or Contamination
unless caused by a sudden, identiable, unintended
and unexpected Event provided that
a) all Pollution or Contamination which arises
out of that Event will be deemed to have
occurred at he time that Event takes place, and
b) Our total liability under this Public Liability cover
for all Pollution or Contamination which is
deemed to have occurred during the Period
of Cover will not exceed the amount stated in
the Schedule to this Policy as the Limit of
Liability for Public Liability.
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SECTION 2
PERSONAL ACCIDENT
PERSONAL ACCIDENT COVER
If You suffer an Accident which:
a) occurs during the Period of Cover,
b) causes You Bodily Injury during the course of
the provision of Support Duties being provided and
c) results in You suffering any of the following items
below within 12 months of the date of the Accident,
We will pay to You:
a) the greatest amount shown against any single item of
Items 1 to 11 which You have suffered, and
b) Item 12.
SCHEDULE OF BENEFITS – OUR LIMIT OF LIABILITY
Item 1 Death: £10,000
Item 2 Permanent loss of or loss of use of limb, for
each: £2,500
Item 3 Permanent loss of or loss of use of
hand, for each: £2,500
Item 4 Broken arm or leg, for each: £500
Item 5 Broken hand, foot or ankle, for each: £500
Item 6 Broken bone not forming part of a limb, £200
(irrespective of the number of broken bones)
Item 7 Permanent total loss of sight, for each
eye:£1,000 or £3000 for both eyes
Item 8 Permanent total loss of hearing, for each ear:
£1,000
Item 9 Permanent total loss of or loss of use of
shoulder, hip, knee, ankle, wrist, for each: £1,500
Item 10 Permanent total loss of or loss of use of thumb
or forenger, for each: £250
Item 11 Permanent total loss of or loss of use of toe,
for each: £200
Item 12 Hospitalisation: £50 for each day spent as a
hospital in-patient receiving treatment for a
condition qualifying for benet above but
limited to a maximum of £1,000 in all.
However, We will not pay:
a)
under more than one of Items 1 to 11 of the
Schedule of Benets for the consequences of any
one Accident,
b) more than £10,000 in all for any one insured
person, nor
c) more than £50,000 overall in respect of all Accidents
during the Period of Cover.
EXCLUSIONS
You will not be covered for death or disablement:
a) whilst engaged or taking part in:
i) military operations
ii) ying, other than as a passenger,
iii) mountaineering or rock climbing,
iv) any kind of race or trial,
b) directly or indirectly caused or contributed to by
disease or natural cause, suicide or attempted suicide,
provoked assault, ghting (except in bona de self-
defence),
or from You committing a criminal act, or
whilst engaged
or taking part in civil commotions
or riots of any kind,
c) arising out of any condition caused by,
prolonged by, or aggravated by any pre-existing
medical condition (a condition You had prior to
the Accident for which a claim is being made),
d) arising out of any condition caused by,
prolonged by, or aggravated by any psychiatric,
mental or nervous disorder suffered by You,
including anxiety and/or depression, or
e) arising from Your alcoholism, drunkenness or the
use of drugs, unless taken as prescribed and directed
by a doctor (but not for the treatment of drug
addiction).
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CONDITIONS
CLAIMS – WHAT YOU MUST DO
If You are involved in an Accident for which You may
wish to claim under this Policy, in addition to the notice
required under the General Policy Conditions, as early
as possible You must place Yourself under the care
of a duly qualied doctor. In the Event of Your death,
Your representatives must notify Fish Insurance as
soon as reasonably possible.
We will only compensate You if the medical advisers
appointed by Us are allowed to examine You as often
as We reasonably require.
GENERAL POLICY CONDITIONS
1) Your Duty of Care
You must take care to:
a) avoid any Event which may cause a claim
under this Policy,
b) ensure the premises, equipment and everything
used in the provision of Support Duties is
properly maintained,
c) report promptly any defect or danger which
becomes apparent and take all additional
precautions as the circumstances may require,
and
d) comply with all obligations and regulations
imposed by any authority.
2) Cancellation
You have the right to cancel this policy within
14 days of the date You purchased the policy or
when You received the policy documents, if this
is later. You do not need to provide a reason for
cancellation, and We will provide a full refund of
any premium paid, unless You have made a claim
or there has been an incident likely to result in
a claim.
If You wish to cancel the policy after 14 days, We will
provide a refund, less a proportionate charge for any
cover already provided, unless a claim has been made or
there has been an incident likely to result in a claim.
Where a claim has occurred or there has been an
incident likely to result in a claim no refund of premium
will be provided. If You pay for your policy by monthly
instalments You must pay the remainder of Your
monthly instalments or pay the remainder of the annual
premium in full.
3) Cancellation By Us
We may at any time cancel any insurance policy by
giving 14 days’ notice in writing, where there is a valid
reason for doing so. A cancellation letter will be sent
to You at Your last known address. Valid reasons
may include but are not limited to:
a) non-payment of premium
b) threatening and abusive behaviour
c) failure to provide documents
d) non-compliance with policy terms and conditions.
e) a change in Your circumstances means that We
can no longer provide cover
f) where We identify Your involvement in, or
association with, insurance fraud or nancial crime
g) where You have misrepresented or provided false
information to the questions asked You when
purchased, renewed or amended Your policy
If We cancel Your policy, We will provide a refund
of Your premiums less a charge for the cover already
provided, unless the reason for cancellation relates to
fraud, which is detailed on page 13.
4) Renewal of Your Policy
We reserve the right not to invite the renewal
of Your policy. In this event We will notify You
in writing to let you know.
5) Policy Limits
All sections of the policy have limits to the amount
that We will pay under that section. Sometimes there
are limits within the section for specic items. Full
details are contained within this policy document
and on Your policy schedule.
6) Policy Excess
You will have to pay any excess shown on Your
policy schedule. We will only deduct one excess for
each claim. If We have asked a supplier to deal with
all or part of Your claim, we may ask them to collect
the excess from You.
7) Your Duties for Us to Cover You
For Us to provide cover:
a) the Proposal information must be truthful and
complete, and
b) You must comply with all the terms and conditions
of this Policy (including any endorsements) to the
extent that they relate to anything You have to do
or comply with, otherwise We will not be liable to
make any payment under Your Policy.
13 NI_PW / V1.0 / 20230101
Public Liability Insurance for Professional Nannies
POLICY DOCUMENT
8) Fraudulent Claims
If You or anyone acting for You makes a false
or fraudulent claim, which includes but is not
limited to;
* making a statement to Us or anyone acting
on Our behalf, knowing the statement to
be false;
* sending Us or anyone acting on Our behalf
a document, knowing the document to be
forged or false;
* making a claim for any loss or damage You
caused deliberately or
* Acting dishonestly or exaggerating a claim
We;
a) are not liable to pay the claim: and
b) may recover from You any sums paid by Us to
You in respect of the claim; and
c) may by notice to You treat the contract as
having been terminated with effect from the
time of the fraudulent act.
If We exercise Our right under (c) above, We shall
not be liable to You in respect of a relevant event
occurring after the time of the fraudulent act. A relevant
event is whatever gives rise to Our liability under the
insurance contract, such as the occurrence of a loss,
the making of a claim, or the notication of a
potential claim.
We will not return any of the premiums paid.
This information may also be shared with the
police and other insurers for fraud prevention
purposes.
9) Subrogation
If a third party is believed to be responsible for any
claim, We may take over, defend or settle the claim,
or take up any claim in Your name for Our
own benet. This is known as exercising our right
of subrogation. You must give Us all the help and
information We reasonably require for the purpose
of exercising this right. You will take no action or
make any agreements that may weaken or remove
Our rights under this clause without Our prior
written permission. We will pay any costs or
expenses involved in exercising our right of
subrogation.
10) Claims – What You Must Do
You or Your legal personal representatives must
notify Us in writing as soon as possible after any
Event which may give rise to liability under this
Policy together with full details of the Event.
You must also immediately notify Us in writing
of any impending prosecution, inquest or fatal inquiry
relating to the possible claim. You must forward to
Us immediately on receipt, unanswered, every claim,
notice, letter or other document served on You.
For Personal Accident claims, You must comply
with the Personal Accident Conditions.
11) Claims – What You Must Not Do You (or
anyone else acting on Your behalf) must not
negotiate, admit liability, offer or promise payment or
agree anything without Our written consent.
12) Claims – Conduct and Control by Us
We will be entitled to take over, conduct or
commence any claim in Your name for Our benet.
We will have full discretion in the conduct of any
proceedings and in the settlement of any claim
against You and You must give Us all the
information and assistance We may require.
13) Claims – Other Insurance
If there is an Event covered under the Public
Liability for which You are also covered by any
other insurance, We will only pay under this
Policy beyond the amount that would be payable
under the other insurance if this Policy had not
been taken out. However, if that other insurance
deals with other insurance in the same way as
this Policy, then We will pay Our share only.
14) Claims (Discharge of Our Liability)
If We choose, instead of covering Your liability, at
any time We may pay:
a) the Limit of Liability, less any amounts
already paid and less other costs and expenses
already paid or incurred prior to the payment, or
b) any lesser sum for which the claim or claims
against You can be settled. We will then not
have any further liability for the claim(s) except
for other costs and expenses incurred prior to
the payment for which We may be responsible. If
a claim or series of claims under Public Liability
results in You being liable to pay a sum in excess
of the Limit of Liability, Our liability for costs
and expenses will not exceed Our share. Our
share will be Our payment to You divided by
the total payment made by or on behalf of You
in settlement of the claim or claims.
14 NI_PW / V1.0 / 20230101
Public Liability Insurance for Professional Nannies
POLICY DOCUMENT
15) Joint Insureds
If there is more than one Insured on Your Policy,
We will be entitled to take instructions from the rst
person named and that person will be considered as
acting on behalf of all other persons named.
16) Your Representatives
We recognise that You may wish a representative
to handle matters on Your behalf. However, We will
be entitled to treat any representatives and their
actions and omissions as though they were You.
17) Others Covered Under Your Policy
All cover We provide to others under Your Policy is
subject to the same terms, exclusions and conditions
that apply to You, insofar as they can apply.
18) People not involved in Your Policy
Subject to the Terms and Conditions of Your Policy,
only You and We have any rights under it. No one
else can enforce any rights or remedies except those
they have in law.
19) Training
If You undertake
a) lifting and handling duties, or
b) duties of administering prescribed or non
prescribed drugs or medicines You must have
received the appropriate training, and produce
evidence of such training if requested by Us.
You must not carry out any task or procedure
for which You have not received the appropriate
training or are not formally qualied to undertake.
GENERAL POLICY EXCLUSIONS
1) Electronic Data
Any consequence, howsoever caused, including
but not limited to Computer Virus of Electronic
Data being lost, destroyed, distorted, altered,
or otherwise corrupted.
For the purposes of this policy, Electronic Data
shall mean facts, concepts and information stored
to form useable data for communications,
interpretations, or processing by electronic or
electromechanical data processing or other
electronically controlled hardware, software and
other coded instructions for the processing and
manipulation of data, or the direction and
manipulation of such hardware.
For the purposes of this policy, Computer Virus
shall mean a set of corrupting, harmful, or otherwise
unauthorised instructions or code, whether these
have been introduced maliciously or otherwise, and
multiply themselves through a computer system or
network of whatsoever nature.
2) Radioactivity
a) We will not provide any cover for irradiation or
Contamination by nuclear materials; or
b) The radioactive, toxic, explosive or other
hazardous or contaminating properties of any
radioactive matter; or
c) Any device or weapon which employs atomic
or nuclear ssion or fusion or other comparable
reaction or radioactive force or matter.
3) War or Invasion
Any direct or indirect consequence of war, civil war
invasion, acts of foreign enemies (whether war be
declared or not), rebellion, revolution, insurrection,
military or usurped power, or conscation, nationalisation,
requisition, destruction of or damage to property by or
under the order of any government, local or public authority.
4) Terrorism
Any direct or indirect consequence of terrorism as
dened by the Terrorism Act 2000 and any
amending or substituting legislation.
ADDITIONAL EXCLUSIONS
Notwithstanding any other provision
herein, this insurance does not cover;
1) Any actual or alleged loss, damage, liability, injury,
sickness, cost or expense, regardless of any other
cause contributing concurrently or in any sequence, in
any way caused by or resulting directly or indirectly:
(a) Infectious or contagious disease;
(b) any fear or threat of (a) above; or
(c) any action taken to minimise or prevent the
impact of (a) above.
Infectious or contagious disease means any disease
capable of being transmitted from an infected
person, animal or species to another person, animal
or species by any means.
2) Any loss or damage which occurred prior to the
commencement of this insurance.
This policy does not provide cover for claims,
contributed to or caused by;
1) You engaging in any illegal or criminal act.
2) You being under the inuence of drugs, solvents or
alcohol, or the injection or ingestion of any substance
except those prescribed by a registered medical doctor.
3) Suicide, attempted suicide or deliberate injury to
You or putting yourself in unnecessary danger
(unless trying to save human life).
4) Pressure waves from aircraft or other aerial devices
travelling at supersonic speeds.
5) Riot, civil commotion or strikes.
