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SME

Complete Accident and Health 

Complete Business

General documents

Complete Business Quick Guide 175 KB

Policy wordings

Complete Business Policy Overview (for new business quoted from 12 Dec 22 and renewals from 16 Jan 2023) 485 KB
Complete Business Policy Wording (for new business quoted from 12 Dec 22 and renewals from 16 Jan 2023) 964 KB

Previous documents

Complete Business Policy Wording (for policies incepting or renewing from 1 Apr 2018) 2 MB
Complete Business Policy Wording (for policies incepted or renewed 29/02/2016 - 31/03/2018) 903 KB
Complete Business Policy Summary (from 1 Apr 2018 - 16 Sep 2018) 903 KB
Complete Business Policy Summary (for policies incepted or renewed 29/02/2016 - 31/03/2018) 370 KB
Complete Business Policy Overview (for policies incepted or renewed 17 Sep 2018 - 11 Dec 2022) 485 KB
Complete Business Policy Wording (for policies incepted or renewed 17 Sep 2018 - 11 Dec 2022) 1 MB

Complete Cargo

Complete Contractor

General documents

Complete Contractor Quick Guide 171 KB

Policy wordings

Complete Contractor Policy Overview (for new business quoted from 26 Nov 2023 and renewals from 31 Dec 2023) 380 KB
Complete Contractor Policy Wording (for new business quoted from 26 Nov 2023 and renewals from 31 Dec 2023) 1019 KB

Previous versions

Complete Contractor Policy Overview (for policies incepted or renewed 12 Dec 2022 – 25 Nov 2023) 467 KB
Complete Contractor Policy Wording (for policies incepted or renewed 12 Dec 2022 – 25 Nov 2023) 1 MB
Complete Contractor Policy Wording (for policies incepting or renewing from 1 Apr 2018) 2 MB
Complete Contractor Policy Summary (from 1 Apr 2018 - 16 Sep 2018) 1 MB
Complete Contractor Policy Summary (for policies incepted or renewed 29/02/2016 - 31/03/2018) 302 KB
Complete Contractor Policy Wording (for policies incepted or renewed 29/02/2016 - 31/03/2018) 2 MB
Complete Contractor Policy Overview (for policies incepted or renewed 17 Sep 2018 - 11 Dec 2022) 467 KB
Complete Contractor Policy Wording (for policies incepted or renewed 17 Sep 2018 - 11 Dec 2022) 1 MB

Complete Flatowner

General documents

Complete Flatowner Quick Guide 139 KB

Policy wordings

Complete Flatowner Policy Overview (for new business quoted from 22 Aug 2022 and renewals from 26 September 2022) 430 KB
Complete Flatowner Policy Wording (for new business quoted from 22 Aug 2022 and renewals from 26 September 2022) 1 MB

Previous versions

Complete Flatowner Policy Overview (for policies incepted or renewed from 4 December 2021) 874 KB
Complete Flatowner Policy Wording (for policies incepted or renewed from 4 December 2021) 1 MB
Complete Flatowner Policy Overview (from 17 Sep 2018 - 3 Dec 2021) 441 KB
Complete Flatowner Policy Summary (from 1 Apr 2018 - 16 Sep 2018) 177 KB
Complete Flatowner Policy Wording (for policies incepting or renewing from 1 Apr 2018) 1 MB
Complete Flatowner Policy Summary (for policies incepted or renewed 29/02/2016 - 31/03/2018) 372 KB
Complete Flatowner Policy Wording (for policies incepted or renewed 29/02/2016 - 31/03/2018) 707 KB

Complete Mini Fleet

General documents

Complete Mini Fleet Quick Guide 542 KB
MID Update & Claim Contact Form 42 KB
Motor Fleet Product Brochure 7 MB

Policy wordings

Complete Mini Fleet policy wording (for policies incepting or renewing from 21 September 2023 and renewals from 26 October 2023) 500 KB
Complete Mini Fleet policy wording (for policies incepting from 31 Oct 2022 and renewals from 5 Dec 2022) 320 KB
Complete Mini Fleet Policy Overview (for policies incepting or renewing from 4 Dec 2021) 371 KB

Previous versions

Complete Mini Fleet Policy Wording (for policies incepting or renewing from 4 Dec 2021) 489 KB
Complete Mini Fleet Policy Wording (for policies incepting or renewing from 25 Jun 2018 - 3 Dec 2021)) 4 MB
Complete Mini Fleet Policy Overview (for policies incepting or renewing from 25 Jun 2018 to 3 Dec 2021) 1 MB
Complete Mini Fleet Policy Summary (for policies incepted or renewed between 01/04/2018 - 24/06/2018) 1 MB
Complete Mini Fleet Policy Wording (for policies incepted or renewed before 31/03/2018) 4 MB
Complete Mini Fleet Policy Wording (for policies incepted or renewed between 01/04/2018 - 24/06/2018) 1 MB
Complete Mini Fleet Policy Summary (for policies incepted or renewed before 31/03/2018) 4 MB

Complete Office

General documents

Complete Office Quick Guide 128 KB

Policy wordings

Complete Office Policy Overview (for new business quoted from 12 Dec 22 and renewals from 16 Jan 2023) 306 KB
Complete Office Policy Wording (for new business quoted from 12 Dec 22 and renewals from 16 Jan 2023) 649 KB

Previous documents

Complete Office Policy Wording (for policies incepting or renewing from 1 Apr 2018) 1 MB
Complete Office Policy Summary (from 1 Apr 2018 - 16 Sep 2018) 163 KB
Complete Office Policy Summary (for policies incepted or renewed 29/02/2016 - 31/03/2018) 214 KB
Complete Office Policy Wording (for policies incepted or renewed 29/02/2016 - 31/03/2018) 532 KB
Complete Office Policy Overview (for policies incepted or renewed 17 Sep 2018 - 11 Dec 2022) 248 KB
Complete Office Policy Wording (for policies incepted or renewed 17 Sep 2018 - 11 Dec 2022) 708 KB

Complete Property Owner

General documents

Complete Property Owner Quick Guide 147 KB

Policy wordings

Complete Property Owner Policy Overview (for new business quoted from 22 August 2022 and renewals from 26 September 2022) 435 KB
Complete Property Owner Policy Wording (for new business quoted from 22 August 2022 and renewals from 26 September 2022) 1 MB

Previous versions

Complete Property Owner Policy Overview (for policies incepted or renewed from 4 December 2021) 440 KB
Complete Property Owner Policy Wording (for policies incepted or renewed from 4 December 2021) 1 MB
Complete Property Owner Policy Overview (from 17 Sep 2018 - 3 Dec 2021) 452 KB
Complete Property Owner Policy Summary (from 1 Apr 2018 - 16 Sep 2018) 204 KB
Complete Property Owner Policy Wording (for policies incepting or renewing from 1 Apr 2018) 1 MB
Complete Property Owner Policy Summary (for policies incepted or renewed 29/02/2016 - 31/03/2018) 363 KB
Complete Property Owner Policy Wording (for policies incepted or renewed 29/02/2016 - 31/03/2018) 699 KB

Complete Retailer

General documents

Complete Retailer Quick Guide 181 KB

Policy wordings

Complete Retailer Policy Overview (for new business quoted from 12 Dec 22 and renewals from 16 Jan 2023) 439 KB
Complete Retailer Policy Wording (for new business quoted from 12 Dec 22 and renewals from 16 Jan 2023) 711 KB

Previous versions

Complete Retailer Policy Wording (for policies incepting or renewing from 1 Apr 2018) 1 MB
Complete Retailer Policy Summary (from 1 Apr 2018 - 16 Sep 2018) 179 KB
Complete Retailer Policy Summary (for policies incepted or renewed 29/02/2016 - 31/03/2018) 249 KB
Complete Retailer Policy Wording (for policies incepted or renewed 29/02/2016 - 31/03/2018) 554 KB
Complete Retailer Policy Overview (for policies incepted or renewed 17 Sep 2018 - 11 Dec 2022) 410 KB
Complete Retailer Policy Wording (for policies incepted or renewed 17 Sep 2018 - 11 Dec 2022) 1 MB

Complete Professional Indemnity

General documents

Complete Professional Indemnity Quick Guide 158 KB
Professional Indemnity Product Brochure 8 MB
10 reasons for Professional Indemnity insurance

Policy wordings

Accountants - ACOM6152 353 KB
Architects - ACOM6153 407 KB
Construction - ACOM6155 374 KB
Engineers - ACOM6154 474 KB
Insurance Brokers - ACOM6156 340 KB
Management Consultants - ACOM6157 368 KB
Media - ACOM6158 516 KB
Miscellaneous ACOM6159 397 KB
Recruitment Consultants - ACOM6160 400 KB
Surveyors - ACOM6161 406 KB
Technology & Telecommunications - ACOM6162 379 KB

Policy overviews

Accountants - ACOM6163 205 KB
Architects - ACOM6164 232 KB
Construction - ACOM6166 215 KB
Engineers - ACOM6165 301 KB
Insurance Brokers - ACOM6167 203 KB
Management Consultants - ACOM6168 238 KB
Media - ACOM6169 280 KB
Miscellaneous - ACOM6170 248 KB
Recruitment Consultants - ACOM6171 237 KB
Surveyors - ACOM6172 239 KB
Technology & Telecommunications - ACOM6173 220 KB

Policy wordings

Accountants - ACOM6152 398 KB
Architects - ACOM6153 449 KB
Construction - ACOM6155 416 KB
Engineers - ACOM6154 508 KB
Insurance Brokers - ACOM6156 384 KB
Management Consultants - ACOM6157 833 KB
Media - ACOM6158 480 KB
Miscellaneous ACOM6159 435 KB
Recruitment Consultants - ACOM6160 431 KB
Surveyors - ACOM6161 437 KB
Technology & Telecommunications - ACOM6162 431 KB

Policy overviews

Accountants - ACOM6163 205 KB
Architects - ACOM6164 232 KB
Construction - ACOM6166 215 KB
Engineers - ACOM6165 301 KB
Insurance Brokers - ACOM6167 203 KB
Management Consultants - ACOM6168 238 KB
Media - ACOM6169 280 KB
Miscellaneous - ACOM6170 248 KB
Recruitment Consultants - ACOM6171 237 KB
Surveyors - ACOM6172 239 KB
Technology & Telecommunications - ACOM6173 220 KB

Policy wordings

Accountants - ACOM6152 882 KB
Architects - ACOM6153 856 KB
Construction - ACOM6155 856 KB
Engineers - ACOM6154 300 KB
Insurance Brokers - ACOM6156 852 KB
Management Consultants - ACOM6157 852 KB
Media - ACOM6158 852 KB
Miscellaneous ACOM6159 852 KB
Recruitment Consultants - ACOM6160 852 KB
Surveyors - ACOM6161 857 KB
Technology & Telecommunications - ACOM6162 854 KB

Policy overviews

Accountants - ACOM6163 728 KB
Architects - ACOM6164 730 KB
Construction - ACOM6166 731 KB
Engineers - ACOM6165 728 KB
Insurance Brokers - ACOM6167 727 KB
Management Consultants - ACOM6168 729 KB
Media - ACOM6169 726 KB
Miscellaneous - ACOM6170 726 KB
Recruitment Consultants - ACOM6171 726 KB
Surveyors - ACOM6172 733 KB
Technology & Telecommunications - ACOM6173 728 KB

Policy wordings

Accountants ACOM6152 882 KB
Architects - ACOM6153 856 KB
Construction - ACOM6155 856 KB
Engineers - ACOM6154 855 KB
Insurance Brokers - ACOM6156 852 KB
Management Consultants - ACOM6157 852 KB
Media - ACOM6158 852 KB
Miscellaneous - ACOM6159 852 KB
Recruitment Consultants - ACOM6160 852 KB
Surveyors - ACOM6161 857 KB
Technology & Telecommunications - ACOM6162 854 KB

Policy summaries

Accountants - ACOM6163 730 KB
Architects - ACOM6164 736 KB
Construction - ACOM6166 733 KB
Engineers - ACOM6165 732 KB
Insurance Brokers - ACOM6167 731 KB
Management Consultants - ACOM6168 730 KB
Media - ACOM6169 730 KB
Miscellaneous - ACOM6170 731 KB
Recruitment Consultants - ACOM6171 731 KB
Surveyors - ACOM6172 737 KB
Technology & Telecommunications - ACOM6173 728 KB

Policy wordings

Accountants - ACOM6152 275 KB
Architects - ACOM6153 284 KB
Construction - ACOM6155 284 KB
Engineers - ACOM6154 282 KB
Insurance Brokers - ACOM6156 275 KB
Management Consultants - ACOM6157 275 KB
Media - ACOM6158 275 KB
Miscellaneous - ACOM6159 986 KB
Recruitment Consultants - ACOM6160 274 KB
Surveyors - ACOM6161 285 KB
Technology & Telecommunications - ACOM6162 277 KB

Policy summaries

Accountants - ACOM6163 251 KB
Architects - ACOM6164 253 KB
Construction - ACOM6166 254 KB
Engineers - ACOM6165 253 KB
Insurance Brokers - ACOM6167 252 KB
Management Consultants - ACOM6168 251 KB
Media - ACOM6169 251 KB
Miscellaneous - ACOM6170 251 KB
Recruitment Consultants - ACOM6171 251 KB
Surveyors - ACOM6172 254 KB
Technology & Telecommunications - ACOM6173 253 KB

Complete Motor Trade

General documents

Complete Motor Trade and RMI Policy Overview 748 KB
Complete Motor Trade Quick Guide 168 KB
Complete Motor Trade and RMI Proposal 858 KB
Motor Trade RMI Quick Guide 270 KB
Motor Trade Breakdown, Recovery and Transporter (BRT) Supplementary Proposal Form 220 KB
Motor Trade Loan Vehicle Indemnity - Customer Copy 88 KB
Motor Trade Fidelity Guarantee Insurance Supplementary Proposal Form 374 KB
Self Drive Vehicle Hire Proposal Form 119 KB
Motor Trade Enquiry Form 174 KB
Professional Indemnity for the Motor Trade Supplementary Proposal Form 140 KB
Unaccompanied Demonstration Form 82 KB

Policy wordings

Complete Motor Trade Policy Wording (from 1st Jan 2022) 2 MB
Complete Motor Trade RMI Policy Wording (from 1 Jan 2022) 3 MB

Previous versions

Complete Motor Trade Policy Wording (1 Apr 2018 - 31st Dec 2021) 1 MB
Complete Motor Trade RMI Policy Wording (1 Apr 2018 - 31st Dec 2021) 1 MB

Complete Directors and Officers

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Property & Casualty

Commercial Select

General documents

Commercial Select Quick Guide 822 KB
Commercial Select Policy Overview 934 KB
Commercial Select Policy Overview (from 1st November 2023) 341 KB
Commercial Select Proposal Form (Business Details) 252 KB
Policy Wordings Update - Commercial Select 454 KB
Commercial Select Proposal 915 KB
Fidelity Guarantee Insurance Proposal 244 KB
Commercial Select Proposal Form Dispensation Declaration 140 KB
Commercial Select Proposal Form Dispensation Declaration (from 1st November 2023) 83 KB
Insurance Adviser Dispensation Guidelines 51 KB

Combine policy sections to download tailored
wordings using our tool

Policy wordings

SZ0015 – Policy Introduction (from 1st November 2023) 202 KB
SZ0014 – Policy Introduction (from 1st June 2021) 396 KB
SZ0013 - Policy Introduction (from 3 September 2019) 146 KB
SZ0012 - Policy Introduction (from 1 July 2019) 146 KB
AL0002 - Aviation Products Liability Section 115 KB
B0002 - Theft 349 KB
BP0027 – Professional Indemnity Insurance Section (Accountants) 322 KB
BP0028 – Professional Indemnity Insurance Section (Architects) 352 KB
BP0035 – Professional Indemnity Insurance Section (Construction) 283 KB
BP0029 – Professional Indemnity Insurance Section (Engineers) 352 KB
BP0026 – Professional Indemnity Insurance Section (Insurance Brokers) 340 KB
BP0030 – Professional Indemnity Insurance Section (Management Consultants) 323 KB
BP0031 – Professional Indemnity Insurance Section (Media) 318 KB
BP0032 – Professional Indemnity Insurance Section (Miscellaneous) 316 KB
BP0033 – Professional Indemnity Insurance Section (Recruitment Consultants) 321 KB
BP0034 – Professional Indemnity Insurance Section (Surveyors) 358 KB
BP0024 – Professional Indemnity Insurance Section (Motor Trade) 329 KB
BP0025 – Professional Indemnity Insurance Section (Technology & Telecommunications) 347 KB
BP0016 – Professional Services Scheme - Professional Indemnity Insurance (Accountants) 137 KB
BP0017 – Professional Services Scheme - Professional Indemnity Insurance (Architects) 153 KB
BP0018 – Professional Services Scheme - Professional Indemnity Insurance (Engineers) 149 KB
BP0019 – Professional Services Scheme - Professional Indemnity Insurance (Management Consultants) 137 KB
BP0020 – Professional Services Scheme - Professional Indemnity Insurance (Media) 139 KB
BP0021 – Professional Services Scheme - Professional Indemnity Insurance (Miscellaneous) 134 KB
BP0022 – Professional Services Scheme - Professional Indemnity Insurance (Recruitment Consultants) 138 KB
BP0023 – Professional Services Scheme - Professional Indemnity Insurance (Surveyors) 152 KB
E0012 - Employers Liability 118 KB
F00011 - Property Damage Events 179 KB
FC0012 - Money 125 KB
FJ0013 - Property Damage All Risks 171 KB
FP0086 – Business Interruption Events – Gross Profit 8 MB
FP0103 – Business Interruption Events – Estimated Gross Profit 181 KB
FP0087 - Business Interruption Events - Income 178 KB
FP0088 - Business Interruption Events - Est Income 179 KB
FP0089 - Business Interruption Events - Gross Rent 171 KB
FP0090 - Business Interruption Events - Est Gross Rent 173 KB
FP0091 - Business Interruption Events - Revenue 10 MB
FP0092 - Business Interruption Events - Est Revenue 8 MB
FP0093 - Business Interruption Events - ACOW 165 KB
FP0050 - Book Debts Extension 140 KB
FR0095 - Business Interruption All Risks - Gross Profit 8 MB
FR0096 - Business Interruption All Risks - Est Gross Profit 163 KB
FR0097 - Business Interruption All Risks - Income 7 MB
FR0098 - Business Interruption All Risks - Estimated Income 155 KB
FR0099 - Business Interruption All Risks - Gross Rent 150 KB
FR0100 - Business Interruption All Risks - Estimated Gross Rent 151 KB
FR0101 - Business Interruption All Risks - Revenue 156 KB
FR0102 - Business Interruption All Risks - Estimated Revenue 156 KB
FR0103 - Business Interruption All Risks - ACOW 142 KB
FR0050 - Book Debts Extn - All Risks 140 KB
J0006 - Specified All Risks 365 KB
LD0009 - Directors & Officers Liability Section - Clubs and Societies 359 KB
LD0011 - Directors and Officers Select Policy Wording 449 KB
L0005 - Excess of Loss 101 KB
L0009 - Public Liability 11 MB
LL0001 - Liability Excess of Loss Section 216 KB
LP0012 - Public/Products Liability 12 MB
MF0005 - Fidelity 303 KB
ML0017 - Commercial Legal Expenses Section (from 1st November 2023) 166 KB
ML0014 - Commercial Legal Expenses Section 588 KB
NK0011 - Computer Section 232 KB
NP0005 - Engineering - Business Interruption Section 483 KB
NW0006 - Engineering - Machinery Damage Section 136 KB
RB0012 - Business Travel 387 KB
SY0001 - Cyber 157 KB
TR0014 - Terrorism 114 KB
W0006 - Accident Section 282 KB
X0006 - Own Goods in Transit 332 KB

Policy wordings

SZ0013 - Policy Introduction (from 3 September 2019) 146 KB
SZ0012 - Policy Introduction (from 1 July 2019) 146 KB
SZ0011 - Policy Introduction (from Oct 2018 - 30 Jun 2019) 97 KB
SZ0010 - Policy Introduction (prior to October 2018) 146 KB
AL0001 - Aviation Products Liability Section 508 KB
B0002 - Theft 349 KB
BP0001 - Professional Indemnity Insurance Section (Accounts) 783 KB
BP0002 - Professional Indemnity Insurance Section (Architects) 151 KB
BP0003 - Professional Indemnity Insurance Section (Construction) 152 KB
BP0004 - Professional Indemnity Insurance Section (Engineers) 151 KB
BP0015 - Professional Indemnity Insurance Section (Insurance Brokers) 123 KB
BP0006 - Professional Indemnity Insurance Section (Management Consultants) 776 KB
BP0007 - Professional Indemnity Insurance Section (Media) 785 KB
BP0008 - Professional Indemnity Insurance Section (Miscellaneous) 767 KB
BP0010 - Professional Indemnity Insurance Section (Recruitment Consultants) 777 KB
BP0011 - Professional Indemnity Insurance Section (Surveyors) 933 KB
BP0012 - Professional Indemnity Insurance Section (Motor Trade) 145 KB
BP0014 - Professional Indemnity Insurance Section (Technology & Telecommunications) 147 KB
E0012 - Employers Liability 118 KB
F00011 - Property Damage Events 179 KB
FC0012 - Money 125 KB
FJ0013 - Property Damage All Risks 171 KB
FP0065 - Business Interruption Events - Gross Profit 143 KB
FP0066 - Business Interruption Events - Estimated Gross Profit 144 KB
FP0067 - Business Interruption Events - Income 140 KB
FP0068 - Business Interruption Events - Est Income 140 KB
FP0069 - Business Interruption Events - Gross Rent 136 KB
FP0070 - Business Interruption Events - Est Gross Rent 136 KB
FP0071 - Business Interruption Events - Revenue 140 KB
FP0072 - Business Interruption Events - Est Revenue 140 KB
FP0073 - Business Interruption Events - ACOW 132 KB
FP0050 - Book Debts Extension 140 KB
FR0074 - Business Interruption All Risks - Gross Profit 138 KB
FR0075 - Business Interruption All Risks - Est Gross Profit 138 KB
FR0076 - Business Interruption All Risks - Income 135 KB
FR0077 - Business Interruption All Risks - Estimated Income 138 KB
FR0078 - Business Interruption All Risks - Gross Rent 131 KB
FR0079 - Business Interruption All Risks - Estimated Gross Rent 131 KB
FR0080 - Business Interruption All Risks - Revenue 135 KB
FR0081 - Business Interruption All Risks - Estimated Revenue 134 KB
FR0082 - Business Interruption All Risks - ACOW 127 KB
FR0050 - Book Debts Extn - All Risks 140 KB
J0006 - Specified All Risks 365 KB
LD0005 - Directors & Officers Liability Section - Clubs and Societies 934 KB
LD0008 - Directors & Officers Liability 173 KB
L0005 - Excess of Loss 101 KB
L0008 - Public Liability 127 KB
LL0001 - Liability Excess of Loss Section 216 KB
LP0010 - Public/Products Liability 130 KB
MF0005 - Fidelity 303 KB
ML0014 - Commercial Legal Expenses Section 588 KB
NK0006 - Computer Section 148 KB
NP0002 - Engineering - Business Interruption Section 547 KB
NW0002 - Engineering - Machinery Damage Section 658 KB
RB0009 - Business Travel 300 KB
SY0001 - Cyber 157 KB
TR0014 - Terrorism 114 KB
W0006 - Accident Section 282 KB
X0006 - Own Goods in Transit 332 KB

Excess of Loss

General Manufacturing

General documents

Commercial Select Policy Overview 934 KB
Commercial Select Proposal Form (Business Details) 252 KB
Policy Wordings Update - Commercial Select 454 KB
Commercial Select Proposal 3 MB
Fidelity Guarantee Insurance Proposal 244 KB
Commercial Select Proposal Form Dispensation Declaration 140 KB
Insurance Adviser Dispensation Guidelines 51 KB
General Manufacturing Quick Guide 92 KB

Combine policy sections to download tailored
wordings using our tool

Policy wordings

SZ0014 – Policy Introduction (from 1st June 2021) 396 KB
SZ0013 - Policy Introduction (from 3 September 2019) 146 KB
SZ0012 - Policy Introduction (from 1 July 2019) 146 KB
AL0002 - Aviation Products Liability Section 115 KB
B0002 - Theft 349 KB
BP0027 – Professional Indemnity Insurance Section (Accountants) 322 KB
BP0028 – Professional Indemnity Insurance Section (Architects) 352 KB
BP0035 – Professional Indemnity Insurance Section (Construction) 283 KB
BP0029 – Professional Indemnity Insurance Section (Engineers) 352 KB
BP0026 – Professional Indemnity Insurance Section (Insurance Brokers) 340 KB
BP0030 – Professional Indemnity Insurance Section (Management Consultants) 323 KB
BP0031 – Professional Indemnity Insurance Section (Media) 318 KB
BP0032 – Professional Indemnity Insurance Section (Miscellaneous) 316 KB
BP0033 – Professional Indemnity Insurance Section (Recruitment Consultants) 321 KB
BP0034 – Professional Indemnity Insurance Section (Surveyors) 358 KB
BP0024 – Professional Indemnity Insurance Section (Motor Trade) 329 KB
BP0025 – Professional Indemnity Insurance Section (Technology & Telecommunications) 347 KB
BP0016 – Professional Services Scheme - Professional Indemnity Insurance (Accountants) 137 KB
BP0017 – Professional Services Scheme - Professional Indemnity Insurance (Architects) 153 KB
BP0018 – Professional Services Scheme - Professional Indemnity Insurance (Engineers) 149 KB
BP0019 – Professional Services Scheme - Professional Indemnity Insurance (Management Consultants) 137 KB
BP0020 – Professional Services Scheme - Professional Indemnity Insurance (Media) 139 KB
BP0021 – Professional Services Scheme - Professional Indemnity Insurance (Miscellaneous) 134 KB
BP0022 – Professional Services Scheme - Professional Indemnity Insurance (Recruitment Consultants) 138 KB
BP0023 – Professional Services Scheme - Professional Indemnity Insurance (Surveyors) 152 KB
E0012 - Employers Liability 118 KB
F00011 - Property Damage Events 179 KB
FC0012 - Money 125 KB
FJ0013 - Property Damage All Risks 171 KB
FP0086 – Business Interruption Events – Gross Profit 8 MB
FP0103 – Business Interruption Events – Estimated Gross Profit 181 KB
FP0087 - Business Interruption Events - Income 178 KB
FP0088 - Business Interruption Events - Est Income 179 KB
FP0089 - Business Interruption Events - Gross Rent 171 KB
FP0090 - Business Interruption Events - Est Gross Rent 173 KB
FP0091 - Business Interruption Events - Revenue 10 MB
FP0092 - Business Interruption Events - Est Revenue 8 MB
FP0093 - Business Interruption Events - ACOW 165 KB
FP0050 - Book Debts Extension 140 KB
FR0095 - Business Interruption All Risks - Gross Profit 8 MB
FR0096 - Business Interruption All Risks - Est Gross Profit 163 KB
FR0097 - Business Interruption All Risks - Income 7 MB
FR0098 - Business Interruption All Risks - Estimated Income 155 KB
FR0099 - Business Interruption All Risks - Gross Rent 150 KB
FR0100 - Business Interruption All Risks - Estimated Gross Rent 151 KB
FR0101 - Business Interruption All Risks - Revenue 156 KB
FR0102 - Business Interruption All Risks - Estimated Revenue 156 KB
FR0103 - Business Interruption All Risks - ACOW 142 KB
FR0050 - Book Debts Extn - All Risks 140 KB
J0006 - Specified All Risks 365 KB
LD0009 - Directors & Officers Liability Section - Clubs and Societies 359 KB
LD0011 - Directors and Officers Select Policy Wording 449 KB
L0005 - Excess of Loss 101 KB
L0009 - Public Liability 11 MB
LL0001 - Liability Excess of Loss Section 216 KB
LP0012 - Public/Products Liability 12 MB
MF0005 - Fidelity 303 KB
ML0014 - Commercial Legal Expenses Section 588 KB
NK0009 - Computer Section 365 KB
NP0004 - Engineering - Business Interruption Section 270 KB
NW0004 - Engineering - Machinery Damage Section 285 KB
RB0012 - Business Travel 387 KB
SY0001 - Cyber 157 KB
TR0014 - Terrorism 114 KB
W0006 - Accident Section 282 KB
X0006 - Own Goods in Transit 332 KB
SZ0013 - Policy Introduction (from 3 September 2019) 149 KB
SZ0012 - Policy Introduction (from 1 July 2019) 146 KB
SZ0011 - Policy Introduction (from Oct 2018 - 30 Jun 2019) 97 KB
SZ0010 - Policy Introduction (prior to October 2018) 146 KB
AL0001 - Aviation Products Liability Section 508 KB
B0002 - Theft 349 KB
BP0001 - Professional Indemnity Insurance Section (Accounts) 783 KB
BP0002 - Professional Indemnity Insurance Section (Architects) 151 KB
BP0003 - Professional Indemnity Insurance Section (Construction) 152 KB
BP0004 - Professional Indemnity Insurance Section (Engineers) 151 KB
BP0015 - Professional Indemnity Insurance Section (Insurance Brokers) 123 KB
BP0006 - Professional Indemnity Insurance Section (Management Consultants) 776 KB
BP0007 - Professional Indemnity Insurance Section (Media) 785 KB
BP0008 - Professional Indemnity Insurance Section (Miscellaneous) 767 KB
BP0010 - Professional Indemnity Insurance Section (Recruitment Consultants) 777 KB
BP0011 - Professional Indemnity Insurance Section (Surveyors) 933 KB
BP0012 - Professional Indemnity Insurance Section (Motor Trade) 145 KB
BP0014 - Professional Indemnity Insurance Section (Technology & Telecommunications) 147 KB
E0012 - Employers Liability 118 KB
F00011 - Property Damage Events 179 KB
FC0012 - Money 125 KB
FJ0013 - Property Damage All Risks 171 KB
FP0065 - Business Interruption Events - Gross Profit 143 KB
FP0066 - Business Interruption Events - Est Gross Profit 143 KB
FP0067 - Business Interruption Events - Income 140 KB
FP0068 - Business Interruption Events - Est Income 140 KB
FP0069 - Business Interruption Events - Gross Rent 136 KB
FP0070 - Business Interruption Events - Est Gross Rent 136 KB
FP0071 - Business Interruption Events - Revenue 140 KB
FP0072 - Business Interruption Events - Est Revenue 140 KB
FP0073 - Business Interruption Events - ACOW 132 KB
FP0050 - Book Debts Extension 140 KB
FR0074 - Business Interruption All Risks - Gross Profit 138 KB
FR0075 - Business Interruption All Risks - Est Gross Profit 138 KB
FR0076 - Business Interruption All Risks - Income 135 KB
FR0077 - Business Interruption All Risks - Estimated Income 138 KB
FR0078 - Business Interruption All Risks - Gross Rent 131 KB
FR0079 - Business Interruption All Risks - Estimated Gross Rent 131 KB
FR0080 - Business Interruption All Risks - Revenue 135 KB
FR0081 - Business Interruption All Risks - Estimated Revenue 134 KB
FR0082 - Business Interruption All Risks - ACOW 127 KB
FR0050 - Book Debts Extn - All Risks 140 KB
J0006 - Specified All Risks 365 KB
LD0005 - Directors & Officers Liability Section - Clubs and Societies 934 KB
LD0008 - Directors & Officers Liability 173 KB
L0005 - Excess of Loss 101 KB
L0008 - Public Liability 127 KB
LL0001 - Liability Excess of Loss Section 216 KB
LP0010 - Public/Products Liability 130 KB
MF0005 - Fidelity 303 KB
ML0014 - Commercial Legal Expenses Section 588 KB
NK0006 - Computer Section 148 KB
NP0002 - Engineering - Business Interruption Section 547 KB
NW0002 - Engineering - Machinery Damage Section 658 KB
RB0009 - Business Travel 300 KB
SY0001 - Cyber 157 KB
TR0014 - Terrorism 114 KB
W0006 - Accident Section 282 KB
X0006 - Own Goods in Transit 332 KB

Metalworking and Precision Engineering

General documents

Commercial Select Policy Overview 934 KB
Commercial Select Proposal Form (Business Details) 252 KB
Policy Wordings Update - Commercial Select 454 KB
Commercial Select Proposal 3 MB
Fidelity Guarantee Insurance Proposal 244 KB
Commercial Select Proposal Form Dispensation Declaration 140 KB
Insurance Adviser Dispensation Guidelines 51 KB
Metalworking and Precision Engineering Quick Guide 70 KB
Engineering Breakdown Extension Cover 73 KB

Combine policy sections to download tailored
wordings using our tool

Policy wordings

SZ0014 – Policy Introduction (from 1st June 2021) 396 KB
SZ0013 - Policy Introduction (from 3 September 2019) 146 KB
SZ0012 - Policy Introduction (from 1 July 2019) 146 KB
AL0002 - Aviation Products Liability Section 115 KB
B0002 - Theft 349 KB
BP0027 – Professional Indemnity Insurance Section (Accountants) 322 KB
BP0028 – Professional Indemnity Insurance Section (Architects) 352 KB
BP0035 – Professional Indemnity Insurance Section (Construction) 283 KB
BP0029 – Professional Indemnity Insurance Section (Engineers) 352 KB
BP0026 – Professional Indemnity Insurance Section (Insurance Brokers) 340 KB
BP0030 – Professional Indemnity Insurance Section (Management Consultants) 323 KB
BP0031 – Professional Indemnity Insurance Section (Media) 318 KB
BP0032 – Professional Indemnity Insurance Section (Miscellaneous) 316 KB
BP0033 – Professional Indemnity Insurance Section (Recruitment Consultants) 321 KB
BP0034 – Professional Indemnity Insurance Section (Surveyors) 358 KB
BP0024 – Professional Indemnity Insurance Section (Motor Trade) 329 KB
BP0025 – Professional Indemnity Insurance Section (Technology & Telecommunications) 347 KB
BP0016 – Professional Services Scheme - Professional Indemnity Insurance (Accountants) 137 KB
BP0017 – Professional Services Scheme - Professional Indemnity Insurance (Architects) 153 KB
BP0018 – Professional Services Scheme - Professional Indemnity Insurance (Engineers) 149 KB
BP0019 – Professional Services Scheme - Professional Indemnity Insurance (Management Consultants) 137 KB
BP0020 – Professional Services Scheme - Professional Indemnity Insurance (Media) 139 KB
BP0021 – Professional Services Scheme - Professional Indemnity Insurance (Miscellaneous) 134 KB
BP0022 – Professional Services Scheme - Professional Indemnity Insurance (Recruitment Consultants) 138 KB
BP0023 – Professional Services Scheme - Professional Indemnity Insurance (Surveyors) 152 KB
E0012 - Employers Liability 118 KB
F00011 - Property Damage Events 179 KB
FC0012 - Money 125 KB
FJ0013 - Property Damage All Risks 171 KB
FP0086 – Business Interruption Events – Gross Profit 8 MB
FP0103 – Business Interruption Events – Estimated Gross Profit 181 KB
FP0087 - Business Interruption Events - Income 178 KB
FP0088 - Business Interruption Events - Est Income 179 KB
FP0089 - Business Interruption Events - Gross Rent 171 KB
FP0090 - Business Interruption Events - Est Gross Rent 173 KB
FP0091 - Business Interruption Events - Revenue 10 MB
FP0092 - Business Interruption Events - Est Revenue 8 MB
FP0093 - Business Interruption Events - ACOW 165 KB
FP0050 - Book Debts Extension 140 KB
FR0095 - Business Interruption All Risks - Gross Profit 8 MB
FR0096 - Business Interruption All Risks - Est Gross Profit 163 KB
FR0097 - Business Interruption All Risks - Income 7 MB
FR0098 - Business Interruption All Risks - Estimated Income 155 KB
FR0099 - Business Interruption All Risks - Gross Rent 150 KB
FR0100 - Business Interruption All Risks - Estimated Gross Rent 151 KB
FR0101 - Business Interruption All Risks - Revenue 156 KB
FR0102 - Business Interruption All Risks - Estimated Revenue 156 KB
FR0103 - Business Interruption All Risks - ACOW 142 KB
FR0050 - Book Debts Extn - All Risks 140 KB
J0006 - Specified All Risks 365 KB
LD0009 - Directors & Officers Liability Section - Clubs and Societies 359 KB
LD0011 - Directors & Officers Liability 449 KB
L0005 - Excess of Loss 101 KB
L0009 - Public Liability 11 MB
LL0001 - Liability Excess of Loss Section 216 KB
LP0012 - Public/Products Liability 12 MB
MF0005 - Fidelity 303 KB
ML0014 - Commercial Legal Expenses Section 588 KB
NK0009 - Computer Section 365 KB
NP0004 - Engineering - Business Interruption Section 270 KB
NW0004 - Engineering - Machinery Damage Section 285 KB
RB0012 - Business Travel 387 KB
SY0001 - Cyber 157 KB
TR0014 - Terrorism 114 KB
W0006 - Accident Section 282 KB
X0006 - Own Goods in Transit 332 KB

Policy wordings

SZ0013 - Policy Introduction (from 3 September 2019) 146 KB
SZ0012 - Policy Introduction (from 1 July 2019) 146 KB
SZ0011 - Policy Introduction (from Oct 2018 - 30 Jun 2019) 97 KB
SZ0010 - Policy Introduction (prior to October 2018) 146 KB
AL0001 - Aviation Products Liability Section 508 KB
B0002 - Theft 349 KB
BP0001 - Professional Indemnity Insurance Section (Accounts) 783 KB
BP0002 - Professional Indemnity Insurance Section (Architects) 151 KB
BP0003 - Professional Indemnity Insurance Section (Construction) 152 KB
BP0004 - Professional Indemnity Insurance Section (Engineers) 151 KB
BP0015 - Professional Indemnity Insurance Section (Insurance Brokers) 123 KB
BP0006 - Professional Indemnity Insurance Section (Management Consultants) 776 KB
BP0007 - Professional Indemnity Insurance Section (Media) 785 KB
BP0008 - Professional Indemnity Insurance Section (Miscellaneous) 767 KB
BP0010 - Professional Indemnity Insurance Section (Recruitment Consultants) 777 KB
BP0011 - Professional Indemnity Insurance Section (Surveyors) 933 KB
BP0012 - Professional Indemnity Insurance Section (Motor Trade) 145 KB
BP0014 - Professional Indemnity Insurance Section (Technology & Telecommunications) 147 KB
E0012 - Employers Liability 118 KB
F00011 - Property Damage Events 179 KB
FC0012 - Money 125 KB
FJ0013 - Property Damage All Risks 171 KB
FP0065 - Business Interruption Events - Gross Profit 143 KB
FP0067 - Business Interruption Events - Income 140 KB
FP0068 - Business Interruption Events - Est Income 140 KB
FP0069 - Business Interruption Events - Gross Rent 136 KB
FP0070 - Business Interruption Events - Est Gross Rent 136 KB
FP0071 - Business Interruption Events - Revenue 140 KB
FP0072 - Business Interruption Events - Est Revenue 140 KB
FP0073 - Business Interruption Events - ACOW 132 KB
FP0050 - Book Debts Extension 140 KB
FR0074 - Business Interruption All Risks - Gross Profit 138 KB
FR0075 - Business Interruption All Risks - Est Gross Profit 138 KB
FR0076 - Business Interruption All Risks - Income 135 KB
FR0077 - Business Interruption All Risks - Estimated Income 138 KB
FR0078 - Business Interruption All Risks - Gross Rent 131 KB
FR0079 - Business Interruption All Risks - Estimated Gross Rent 131 KB
FR0080 - Business Interruption All Risks - Revenue 135 KB
FR0081 - Business Interruption All Risks - Estimated Revenue 134 KB
FR0082 - Business Interruption All Risks - ACOW 127 KB
FR0050 - Book Debts Extn - All Risks 140 KB
J0006 - Specified All Risks 365 KB
LD0005 - Directors & Officers Liability Section - Clubs and Societies 934 KB
LD0008 - Directors & Officers Liability 173 KB
L0005 - Excess of Loss 101 KB
L0008 - Public Liability 127 KB
LL0001 - Liability Excess of Loss Section 216 KB
LP0010 - Public/Products Liability 130 KB
MF0005 - Fidelity 303 KB
ML0014 - Commercial Legal Expenses Section 588 KB
NK0006 - Computer Section 148 KB
NP0002 - Engineering - Business Interruption Section 547 KB
NW0002 - Engineering - Machinery Damage Section 658 KB
RB0009 - Business Travel 300 KB
SY0001 - Cyber 157 KB
TR0014 - Terrorism 114 KB
W0006 - Accident Section 282 KB
X0006 - Own Goods in Transit 332 KB

Multinational Solutions

General documents

Multinational Solutions Brochure 5 MB
International Commercial Select Policy Overview 334 KB
International Property Owners Select Policy Overview 1 MB

Policy wordings

Policy Document Assets

ACOM1130 - Introduction Section 243 KB
ACOM9519 - Freedom of Service Policy Introduction 206 KB

Property Damage

ACOM1183 - Property Damage Events 311 KB
ACOM1210 - Property Damage All Risks Section 676 KB

Business Interruption - Events

ACOM1202 - Additional Cost of Working 175 KB
ACOM1203 - Gross Profit 192 KB
ACOM1204 - Estimated Gross Profit 193 KB
ACOM1205 - Gross Rent 195 KB
ACOM1206 - Revenue 213 KB
ACOM1207 - Estimated Revenue 206 KB
ACOM1208 - Income 205 KB
ACOM1209 - Estimated Income 213 KB
ACOM1222 - Estimated Gross Rent 188 KB
ACOM1148 - Book Debts Extension 33 KB

Business Interruption - All Risks

ACOM1211 - Additional Cost of Working 508 KB
ACOM1212 - Gross Rent 513 KB
ACOM1214 - Estimated Revenue 183 KB
ACOM1215 - Estimated Gross Profit 197 KB
ACOM1216 - Gross Profit 197 KB
ACOM1217 - Income 182 KB
ACOM1221 - Estimated Income 183 KB
ACOM1223 - Estimated Gross Rent 174 KB
ACOM1148 - Book Debts Extension 33 KB

Liability

ACOM1218 - Public Products Liability 162 KB
ACOM1219 - Employers Liability 456 KB

Other UK only Sections

ML0014 - Commercial Legal Expenses 588 KB
ACOM1161 - Terrorism 452 KB
ACOM1165 - Money 115 KB
ACOM1166 - Goods in Transit 456 KB
ACOM1167 - Specified All Risks 460 KB

If you require UK cover for any of the following covers please refer to our Commercial Select, Engineering, Speciality or Property Owners Select products:

  • Directors and Officers
  • Computer
  • Accident & Health including Business Travel
  • Fidelity
  • Professional Indemnity
  • Cyber Select

Policy Document Assets

ACOM1191 - Introduction Section 801 KB

Property Damage

ACOM1192 - Property Damage All Risks 143 KB
ACOM1193 - Property Damage Events 155 KB

Business Interruption - All Risks

ACOM1194 - Loss Of Rent All Risks 113 KB
ACOM1195 - Loss Of Rent All Risks - Declaration Linked 113 KB

Business Interruption - Events

ACOM1196 - Loss Of Rent Events 122 KB
ACOM1197 - Loss Of Rent Events - Declaration Linked 121 KB

Liability

ACOM1198 - Property Owners Liability 82 KB
ACOM1199 - Employers Liability 53 KB

Property Damange

ACOM3025 - Property Damage Events 181 KB
ACOM3029 - Property Damage All Risks Section 181 KB

Business Interruption - All Risks

ACOM3023 - Loss Of Rent - Declaration Linked 156 KB
ACOM3024 - Loss Of Rent 149 KB

Business Interruption - Events

ACOM3026 - Loss of Rent 143 KB
ACOM3028 - Loss of Rent - Declaration Linked 141 KB

Liability

ACOM3027 - Property Owners Liability 123 KB
ACOM3031 - Employers Liability 54 KB

Other Sections

ACOM1200 - Commercial Legal Expenses 138 KB
ACOM1161 - Terrorism 452 KB
ACOM1165 - Money 115 KB
ACOM1166 - Goods in Transit 456 KB
ACOM1167 - Specified All Risks 460 KB

If you require UK cover for any of the following covers please refer to our Commercial Select or Property Owners Selects products:

  • Business Travel
  • Directors and Officers
  • Computer
  • Accident
  • Fidelity

Print, Publishing and Media

General documents

Commercial Select Policy Overview 934 KB
Commercial Select Proposal Form (Business Details) 252 KB
Policy Wordings Update - Commercial Select 454 KB
Commercial Select Proposal 3 MB
Fidelity Guarantee Insurance Proposal 244 KB
Commercial Select Proposal Form (Business Details) 252 KB
Insurance Adviser Dispensation Guidelines 51 KB
Print, Publishing and Media Quick Guide 202 KB
Engineering Breakdown Extension Cover 73 KB

Combine policy sections to download tailored
wordings using our tool

Policy wordings

SZ0014 – Policy Introduction (from 1st June 2021) 396 KB
SZ0013 - Policy Introduction (from 3 September 2019) 146 KB
SZ0012 - Policy Introduction (from 1 July 2019) 146 KB
AL0002 - Aviation Products Liability Section 115 KB
B0002 - Theft 349 KB
BP0027 – Professional Indemnity Insurance Section (Accountants) 322 KB
BP0028 – Professional Indemnity Insurance Section (Architects) 352 KB
BP0035 – Professional Indemnity Insurance Section (Construction) 283 KB
BP0029 – Professional Indemnity Insurance Section (Engineers) 352 KB
BP0026 – Professional Indemnity Insurance Section (Insurance Brokers) 340 KB
BP0030 – Professional Indemnity Insurance Section (Management Consultants) 323 KB
BP0031 – Professional Indemnity Insurance Section (Media) 318 KB
BP0032 – Professional Indemnity Insurance Section (Miscellaneous) 316 KB
BP0033 – Professional Indemnity Insurance Section (Recruitment Consultants) 321 KB
BP0034 – Professional Indemnity Insurance Section (Surveyors) 358 KB
BP0024 – Professional Indemnity Insurance Section (Motor Trade) 329 KB
BP0025 – Professional Indemnity Insurance Section (Technology & Telecommunications) 347 KB
BP0016 – Professional Services Scheme - Professional Indemnity Insurance (Accountants) 137 KB
BP0017 – Professional Services Scheme - Professional Indemnity Insurance (Architects) 153 KB
BP0018 – Professional Services Scheme - Professional Indemnity Insurance (Engineers) 149 KB
BP0019 – Professional Services Scheme - Professional Indemnity Insurance (Management Consultants) 137 KB
BP0020 – Professional Services Scheme - Professional Indemnity Insurance (Media) 139 KB
BP0021 – Professional Services Scheme - Professional Indemnity Insurance (Miscellaneous) 134 KB
BP0022 – Professional Services Scheme - Professional Indemnity Insurance (Recruitment Consultants) 138 KB
BP0023 – Professional Services Scheme - Professional Indemnity Insurance (Surveyors) 152 KB
E0012 - Employers Liability 118 KB
F00011 - Property Damage Events 179 KB
FC0012 - Money 125 KB
FJ0013 - Property Damage All Risks 171 KB
FP0086 – Business Interruption Events – Gross Profit 8 MB
FP0103 – Business Interruption Events – Estimated Gross Profit 181 KB
FP0087 - Business Interruption Events - Income 178 KB
FP0088 - Business Interruption Events - Est Income 179 KB
FP0089 - Business Interruption Events - Gross Rent 171 KB
FP0090 - Business Interruption Events - Est Gross Rent 173 KB
FP0091 - Business Interruption Events - Revenue 10 MB
FP0092 - Business Interruption Events - Est Revenue 8 MB
FP0093 - Business Interruption Events - ACOW 165 KB
FP0050 - Book Debts Extension 140 KB
FR0095 - Business Interruption All Risks - Gross Profit 8 MB
FR0096 - Business Interruption All Risks - Est Gross Profit 163 KB
FR0097 - Business Interruption All Risks - Income 7 MB
FR0098 - Business Interruption All Risks - Estimated Income 155 KB
FR0099 - Business Interruption All Risks - Gross Rent 150 KB
FR0100 - Business Interruption All Risks - Estimated Gross Rent 151 KB
FR0101 - Business Interruption All Risks - Revenue 156 KB
FR0102 - Business Interruption All Risks - Estimated Revenue 156 KB
FR0103 - Business Interruption All Risks - ACOW 142 KB
FR0050 - Book Debts Extn - All Risks 140 KB
J0006 - Specified All Risks 365 KB
LD0009 - Directors & Officers Liability Section - Clubs and Societies 359 KB
LD0011 - Directors & Officers Liability 449 KB
L0005 - Excess of Loss 101 KB
L0009 - Public Liability 11 MB
LL0001 - Liability Excess of Loss Section 216 KB
LP0012 - Public/Products Liability 12 MB
MF0005 - Fidelity 303 KB
ML0014 - Commercial Legal Expenses Section 588 KB
NK0009 - Computer Section 365 KB
NP0004 - Engineering - Business Interruption Section 270 KB
NW0004 - Engineering - Machinery Damage Section 285 KB
RB0012 - Business Travel 387 KB
SY0001 - Cyber 157 KB
TR0014 - Terrorism 114 KB
W0006 - Accident Section 282 KB
X0006 - Own Goods in Transit 332 KB

Policy wordings

SZ0013 - Policy Introduction (from 3 September 2019) 146 KB
SZ0012 - Policy Introduction (from 1 July 2019) 146 KB
SZ0011 - Policy Introduction (from Oct 2018 - 30 Jun 2019) 97 KB
SZ0010 - Policy Introduction (prior to October 2018) 146 KB
AL0001 - Aviation Products Liability Section 508 KB
B0002 - Theft 349 KB
BP0001 - Professional Indemnity Insurance Section (Accounts) 783 KB
BP0002 - Professional Indemnity Insurance Section (Architects) 151 KB
BP0003 - Professional Indemnity Insurance Section (Construction) 152 KB
BP0004 - Professional Indemnity Insurance Section (Engineers) 151 KB
BP0015 - Professional Indemnity Insurance Section (Insurance Brokers) 123 KB
BP0006 - Professional Indemnity Insurance Section (Management Consultants) 776 KB
BP0007 - Professional Indemnity Insurance Section (Media) 785 KB
BP0008 - Professional Indemnity Insurance Section (Miscellaneous) 767 KB
BP0010 - Professional Indemnity Insurance Section (Recruitment Consultants) 777 KB
BP0011 - Professional Indemnity Insurance Section (Surveyors) 933 KB
BP0012 - Professional Indemnity Insurance Section (Motor Trade) 145 KB
BP0014 - Professional Indemnity Insurance Section (Technology & Telecommunications) 147 KB
E0012 - Employers Liability 118 KB
F00011 - Property Damage Events 179 KB
FC0012 - Money 125 KB
FJ0013 - Property Damage All Risks 171 KB
FP0065 - Business Interruption Events - Gross Profit 143 KB
FP0067 - Business Interruption Events - Income 140 KB
FP0068 - Business Interruption Events - Est Income 140 KB
FP0069 - Business Interruption Events - Gross Rent 136 KB
FP0070 - Business Interruption Events - Est Gross Rent 136 KB
FP0071 - Business Interruption Events - Revenue 140 KB
FP0072 - Business Interruption Events - Est Revenue 140 KB
FP0073 - Business Interruption Events - ACOW 132 KB
FP0050 - Book Debts Extension 140 KB
FR0074 - Business Interruption All Risks - Gross Profit 138 KB
FR0075 - Business Interruption All Risks - Est Gross Profit 138 KB
FR0076 - Business Interruption All Risks - Income 135 KB
FR0077 - Business Interruption All Risks - Estimated Income 138 KB
FR0078 - Business Interruption All Risks - Gross Rent 131 KB
FR0079 - Business Interruption All Risks - Estimated Gross Rent 131 KB
FR0080 - Business Interruption All Risks - Revenue 135 KB
FR0081 - Business Interruption All Risks - Estimated Revenue 134 KB
FR0082 - Business Interruption All Risks - ACOW 127 KB
FR0050 - Book Debts Extn - All Risks 140 KB
J0006 - Specified All Risks 365 KB
LD0005 - Directors & Officers Liability Section - Clubs and Societies 934 KB
LD0008 - Directors & Officers Liability 173 KB
L0005 - Excess of Loss 101 KB
L0008 - Public Liability 127 KB
LL0001 - Liability Excess of Loss Section 216 KB
LP0010 - Public/Products Liability 130 KB
MF0005 - Fidelity 303 KB
ML0014 - Commercial Legal Expenses Section 588 KB
NK0006 - Computer Section 148 KB
NP0002 - Engineering - Business Interruption Section 547 KB
NW0002 - Engineering - Machinery Damage Section 658 KB
RB0009 - Business Travel 300 KB
SY0001 - Cyber 157 KB
TR0014 - Terrorism 114 KB
W0006 - Accident Section 282 KB
X0006 - Own Goods in Transit 332 KB

Professional Services

General documents

Professional Services Quick Guide 70 KB
Commercial Select Policy Overview 934 KB
Commercial Select Proposal Form (Business Details) 252 KB
Policy Wordings Update - Commercial Select 454 KB
Commercial Select Proposal 3 MB
Fidelity Guarantee Insurance Proposal 244 KB
Commercial Select Proposal Form (Business Details) 252 KB
Insurance Adviser Dispensation Guidelines 51 KB

Combine policy sections to download tailored
wordings using our tool

Policy wordings

SZ0014 – Policy Introduction (from 1st June 2021) 396 KB
SZ0013 - Policy Introduction (from 3 September 2019) 146 KB
SZ0012 - Policy Introduction (from 1 July 2019) 146 KB
AL0002 - Aviation Products Liability Section 115 KB
B0002 - Theft 349 KB
BP0027 – Professional Indemnity Insurance Section (Accountants) 322 KB
BP0028 – Professional Indemnity Insurance Section (Architects) 352 KB
BP0035 – Professional Indemnity Insurance Section (Construction) 283 KB
BP0029 – Professional Indemnity Insurance Section (Engineers) 352 KB
BP0026 – Professional Indemnity Insurance Section (Insurance Brokers) 340 KB
BP0030 – Professional Indemnity Insurance Section (Management Consultants) 323 KB
BP0031 – Professional Indemnity Insurance Section (Media) 318 KB
BP0032 – Professional Indemnity Insurance Section (Miscellaneous) 316 KB
BP0033 – Professional Indemnity Insurance Section (Recruitment Consultants) 321 KB
BP0034 – Professional Indemnity Insurance Section (Surveyors) 358 KB
BP0024 – Professional Indemnity Insurance Section (Motor Trade) 329 KB
BP0025 – Professional Indemnity Insurance Section (Technology & Telecommunications) 347 KB
BP0016 – Professional Services Scheme - Professional Indemnity Insurance (Accountants) 137 KB
BP0017 – Professional Services Scheme - Professional Indemnity Insurance (Architects) 153 KB
BP0018 – Professional Services Scheme - Professional Indemnity Insurance (Engineers) 149 KB
BP0019 – Professional Services Scheme - Professional Indemnity Insurance (Management Consultants) 137 KB
BP0020 – Professional Services Scheme - Professional Indemnity Insurance (Media) 139 KB
BP0021 – Professional Services Scheme - Professional Indemnity Insurance (Miscellaneous) 134 KB
BP0022 – Professional Services Scheme - Professional Indemnity Insurance (Recruitment Consultants) 138 KB
BP0023 – Professional Services Scheme - Professional Indemnity Insurance (Surveyors) 152 KB
E0012 - Employers Liability 118 KB
F00011 - Property Damage Events 179 KB
FC0012 - Money 125 KB
FJ0013 - Property Damage All Risks 171 KB
FP0086 – Business Interruption Events – Gross Profit 8 MB
FP0103 – Business Interruption Events – Estimated Gross Profit 181 KB
FP0087 - Business Interruption Events - Income 178 KB
FP0088 - Business Interruption Events - Est Income 179 KB
FP0089 - Business Interruption Events - Gross Rent 171 KB
FP0090 - Business Interruption Events - Est Gross Rent 173 KB
FP0091 - Business Interruption Events - Revenue 10 MB
FP0092 - Business Interruption Events - Est Revenue 8 MB
FP0093 - Business Interruption Events - ACOW 165 KB
FP0050 - Book Debts Extension 140 KB
FR0095 - Business Interruption All Risks - Gross Profit 8 MB
FR0096 - Business Interruption All Risks - Est Gross Profit 163 KB
FR0097 - Business Interruption All Risks - Income 7 MB
FR0098 - Business Interruption All Risks - Estimated Income 155 KB
FR0099 - Business Interruption All Risks - Gross Rent 150 KB
FR0100 - Business Interruption All Risks - Estimated Gross Rent 151 KB
FR0101 - Business Interruption All Risks - Revenue 156 KB
FR0102 - Business Interruption All Risks - Estimated Revenue 156 KB
FR0103 - Business Interruption All Risks - ACOW 142 KB
FR0050 - Book Debts Extn - All Risks 140 KB
J0006 - Specified All Risks 365 KB
LD0009 - Directors & Officers Liability Section - Clubs and Societies 359 KB
LD0011 - Directors & Officers Liability 449 KB
L0005 - Excess of Loss 101 KB
L0009 - Public Liability 11 MB
LL0001 - Liability Excess of Loss Section 216 KB
PS0001 - Professional Services Public and Products Liability 9 MB
MF0005 - Fidelity 303 KB
ML0014 - Commercial Legal Expenses Section 588 KB
NK0009 - Computer Section 365 KB
NP0004 - Engineering - Business Interruption Section 270 KB
NW0004 - Engineering - Machinery Damage Section 285 KB
RB0012 - Business Travel 387 KB
SY0001 - Cyber 157 KB
TR0014 - Terrorism 114 KB
W0006 - Accident Section 282 KB
X0006 - Own Goods in Transit 332 KB

Policy wordings

SZ0013 - Policy Introduction (from 3 September 2019) 146 KB
SZ0012 - Policy Introduction (from 1 July 2019) 146 KB
SZ0011 - Policy Introduction (from Oct 2018 - 30 Jun 2019) 97 KB
SZ0010 - Policy Introduction (prior to October 2018) 146 KB
AL0001 - Aviation Products Liability Section 508 KB
B0002 - Theft 349 KB
BP0001 - Professional Indemnity Insurance Section (Accounts) 783 KB
BP0002 - Professional Indemnity Insurance Section (Architects) 151 KB
BP0003 - Professional Indemnity Insurance Section (Construction) 152 KB
BP0004 - Professional Indemnity Insurance Section (Engineers) 151 KB
BP0015 - Professional Indemnity Insurance Section (Insurance Brokers) 123 KB
BP0006 - Professional Indemnity Insurance Section (Management Consultants) 776 KB
BP0007 - Professional Indemnity Insurance Section (Media) 785 KB
BP0008 - Professional Indemnity Insurance Section (Miscellaneous) 767 KB
BP0010 - Professional Indemnity Insurance Section (Recruitment Consultants) 777 KB
BP0011 - Professional Indemnity Insurance Section (Surveyors) 933 KB
BP0012 - Professional Indemnity Insurance Section (Motor Trade) 145 KB
BP0014 - Professional Indemnity Insurance Section (Technology & Telecommunications) 147 KB
E0012 - Employers Liability 118 KB
F00011 - Property Damage Events 179 KB
FC0012 - Money 125 KB
FJ0013 - Property Damage All Risks 171 KB
FP0065 - Business Interruption Events - Gross Profit 143 KB
FP0067 - Business Interruption Events - Income 140 KB
FP0068 - Business Interruption Events - Est Income 140 KB
FP0069 - Business Interruption Events - Gross Rent 136 KB
FP0070 - Business Interruption Events - Est Gross Rent 136 KB
FP0071 - Business Interruption Events - Revenue 140 KB
FP0072 - Business Interruption Events - Est Revenue 140 KB
FP0073 - Business Interruption Events - ACOW 132 KB
FP0050 - Book Debts Extension 140 KB
FR0074 - Business Interruption All Risks - Gross Profit 138 KB
FR0075 - Business Interruption All Risks - Est Gross Profit 138 KB
FR0076 - Business Interruption All Risks - Income 135 KB
FR0077 - Business Interruption All Risks - Estimated Income 138 KB
FR0078 - Business Interruption All Risks - Gross Rent 131 KB
FR0079 - Business Interruption All Risks - Estimated Gross Rent 131 KB
FR0080 - Business Interruption All Risks - Revenue 135 KB
FR0081 - Business Interruption All Risks - Estimated Revenue 134 KB
FR0082 - Business Interruption All Risks - ACOW 127 KB
FR0050 - Book Debts Extn - All Risks 140 KB
J0006 - Specified All Risks 365 KB
LD0005 - Directors & Officers Liability Section - Clubs and Societies 934 KB
LD0008 - Directors & Officers Liability 173 KB
L0005 - Excess of Loss 101 KB
L0008 - Public Liability 127 KB
LL0001 - Liability Excess of Loss Section 216 KB
LP0010 - Public/Products Liability 130 KB
MF0005 - Fidelity 303 KB
ML0014 - Commercial Legal Expenses Section 588 KB
NK0006 - Computer Section 148 KB
NP0002 - Engineering - Business Interruption Section 547 KB
NW0002 - Engineering - Machinery Damage Section 658 KB
RB0009 - Business Travel 300 KB
SY0001 - Cyber 157 KB
TR0014 - Terrorism 114 KB
W0006 - Accident Section 282 KB
X0006 - Own Goods in Transit 332 KB

Property Owners Select

General documents

Property Owners Select Quick Guide 236 KB
Property Owners Select Policy Overview (from 1st November 2023) 235 KB
Property Owners Select Policy Overview 488 KB
Subsidence and Landslip Questionnaire 107 KB
Policy Wordings Update - Property Owners Select 453 KB
Property Owners Select Proposal 2 MB
Declaration Linked Cover 100 KB
Property Owners Dispensation Declaration 100 KB
Property Owners Dispensation Declaration (from 1st November 2023) 100 KB

Combine policy sections to download tailored
wordings using our tool

Policy wordings

SP0012 – Policy Introduction/General Conditions & Exclusions (from 1st November 2023) 233 KB
SP0011 – Policy Introduction/General Conditions & Exclusions 374 KB
E0011 - Employers Liability 118 KB
F0009 - Property Damage Events Section 165 KB
FC0010 - Money 69 KB
FJ0012 - Property Owners Damage 161 KB
FP0084 - Loss of Rent Events 289 KB
FP0085 - Loss of Rent Events - Declaration Linked 371 KB
FR0084 – Loss of Rent 274 KB
FR0085 – Loss of Rent All Risks – Declaration Linked 278 KB
J0009 - Specified All Risks 110 KB
LD0011 – Directors & Officers Liability 449 KB
LD0010 – Directors & Officers Liability – Residents Association 349 KB
LP0011 - Property Owners Liability 163 KB
MF0006 - Fidelity 113 KB
ML0018 – Property Owners - Commercial Legal Expenses (from 1st November 2023) 180 KB
ML0015 - Property Owners - Commercial Legal Expenses 154 KB
NK0010 - Computer 151 KB
NW0007 – Engineering – Machinery Damage 129 KB
TR0014 - Terrorism 114 KB
X0007 - Goods in Transit 111 KB
SP0010 - Policy Introduction/General Conditions & Exclusions 94 KB
E0011 - Employers Liability 118 KB
F0009 - Property Damage Events Section 165 KB
FC0010 - Money 69 KB
FJ0012 - Property Owners Damage 161 KB
FP0063 - Loss of Rent Events 149 KB
FP0064 - Loss of Rent Events - Declaration Linked 148 KB
FR0063 - Loss of Rent 144 KB
FR0064 - Loss of Rent All Risks - Declaration Linked 144 KB
J0009 - Specified All Risks 110 KB
LD0008 - Directors & Officers Liability 173 KB
LD0007 - Directors & Officers Liability - Residents Association 935 KB
LP0009 - Property Owners Liability 130 KB
MF0006 - Fidelity 113 KB
ML0015 - Property Owners - Commercial Legal Expenses 154 KB
NK0007 - Computer 136 KB
NW0003 - Engineering - Machinery Damage 126 KB
TR0014 - Terrorism 114 KB
X0007 - Goods in Transit 111 KB

Real Estate Select

General documents

Real Estate Select Quick Guide 814 KB
Real Estate Select Policy Overview 2 MB
Real Estate Select Policy Wording: LMRE Delegated Authorities and Facilities (with effect from 01/10/2020) 3 MB
Real Estate Select Policy Wording: LMRE Delegated Authorities and Facilities (effective until 30/11/2020) 6 MB

Policy wordings

SP0011 – Policy Introduction/General Conditions & Exclusions 374 KB
E0011 - Employers Liability 118 KB
F0009 - Property Damage Events Section 165 KB
FC0010 - Money 69 KB
FJ0012 - Property Owners Damage 161 KB
FP0084 - Loss of Rent Events 289 KB
FP0085 - Loss of Rent Events - Declaration Linked 371 KB
FR0084 – Loss of Rent 274 KB
FR0085 – Loss of Rent All Risks – Declaration Linked 278 KB
J0009 - Specified All Risks 110 KB
LD0011 – Directors & Officers Liability 449 KB
LD0010 – Directors & Officers Liability – Residents Association 349 KB
LP0011 - Property Owners Liability 163 KB
MF0006 - Fidelity 113 KB
ML0015 - Property Owners - Commercial Legal Expenses 154 KB
NK0008 - Computer 352 KB
NW0005 – Engineering – Machinery Damage 140 KB
TR0014 - Terrorism 114 KB
X0007 - Goods in Transit 111 KB
SP0010 - Policy Introduction/General Conditions & Exclusions 94 KB
E0011 - Employers Liability 118 KB
F0009 - Property Damage Events Section 165 KB
FC0010 - Money 69 KB
FJ0012 - Property Owners Damage 161 KB
FP0063 - Loss of Rent Events 149 KB
FP0064 - Loss of Rent Events - Declaration Linked 148 KB
FR0063 - Loss of Rent 144 KB
FR0064 - Loss of Rent All Risks - Declaration Linked 144 KB
J0009 - Specified All Risks 110 KB
LD0008 - Directors & Officers Liability 173 KB
LD0007 - Directors & Officers Liability - Residents Association 934 KB
LP0009 - Property Owners Liability 130 KB
MF0006 - Fidelity 113 KB
ML0015 - Property Owners - Commercial Legal Expenses 154 KB
NK0007 - Computer 136 KB
NW0003 - Engineering - Machinery Damage 126 KB
TR0014 - Terrorism 114 KB
X0007 - Goods in Transit 111 KB

Wholesale and Retail

General documents

Wholesale and Retail Quick Guide 189 KB
Commercial Select Policy Overview 934 KB
Commercial Select Proposal Form (Business Details) 252 KB
Commercial Select Proposal 3 MB
Fidelity Guarantee Insurance Proposal 244 KB
Commercial Select Proposal Form (Business Details) 252 KB
Insurance Adviser Dispensation Guidelines 51 KB
Policy Wordings Update - Commercial Select 454 KB
Wholesale and Retail Distributor Product Guide 678 KB

Combine policy sections to download tailored
wordings using our tool

Policy wordings

SZ0014 – Policy Introduction (from 1st June 2021) 396 KB
SZ0013 - Policy Introduction (from 3 September 2019) 146 KB
SZ0012 - Policy Introduction (from 1 July 2019) 146 KB
AL0002 - Aviation Products Liability Section 115 KB
B0002 - Theft 349 KB
BP0027 – Professional Indemnity Insurance Section (Accountants) 322 KB
BP0028 – Professional Indemnity Insurance Section (Architects) 352 KB
BP0035 – Professional Indemnity Insurance Section (Construction) 283 KB
BP0029 – Professional Indemnity Insurance Section (Engineers) 352 KB
BP0026 – Professional Indemnity Insurance Section (Insurance Brokers) 340 KB
BP0030 – Professional Indemnity Insurance Section (Management Consultants) 323 KB
BP0031 – Professional Indemnity Insurance Section (Media) 318 KB
BP0032 – Professional Indemnity Insurance Section (Miscellaneous) 316 KB
BP0033 – Professional Indemnity Insurance Section (Recruitment Consultants) 321 KB
BP0034 – Professional Indemnity Insurance Section (Surveyors) 358 KB
BP0024 – Professional Indemnity Insurance Section (Motor Trade) 329 KB
BP0025 – Professional Indemnity Insurance Section (Technology & Telecommunications) 347 KB
BP0016 – Professional Services Scheme - Professional Indemnity Insurance (Accountants) 137 KB
BP0017 – Professional Services Scheme - Professional Indemnity Insurance (Architects) 153 KB
BP0018 – Professional Services Scheme - Professional Indemnity Insurance (Engineers) 149 KB
BP0019 – Professional Services Scheme - Professional Indemnity Insurance (Management Consultants) 137 KB
BP0020 – Professional Services Scheme - Professional Indemnity Insurance (Media) 139 KB
BP0021 – Professional Services Scheme - Professional Indemnity Insurance (Miscellaneous) 134 KB
BP0022 – Professional Services Scheme - Professional Indemnity Insurance (Recruitment Consultants) 138 KB
BP0023 – Professional Services Scheme - Professional Indemnity Insurance (Surveyors) 152 KB
E0012 - Employers Liability 118 KB
F00011 - Property Da