FREE Public Liability Insurance For Artists With Your AUE Membership

Key features of coverThis policy provides cover in respect of legal liability for damages including claimant legal costs for;

• Accidental Injury to any person
• Accidental loss or damage to third party property

happening during the period of insurance in connection with the Business.
The limit of indemnity provided is £5,000,000 any one claim (any one period in respect of Products liability) Policy ExcessYou will be responsible for paying the first £500 of any claim for damage to third-party property and £2,500 for any claim brought in North America. Policy Extensions Cross Liabilities (Member to Member Liability)
The policy extends to cover claims made between individual AUE members, subject to the terms, conditions and exclusions of the policy.
Indemnity to Principals and Others
The policy will also provide an indemnity to any:

• Contract Principal
• Personal Representatives

providing that the claim would have been covered had it been made directly against the AUE member.
Defence Costs
The policy will also cover Legal Defence Costs arising:

• from any prosecution of the AUE member as a result of breach of the Health & Safety at Work Act 1974 or Part II of the Consumer Protection Act 1987 or Part II of the Food Safety Act 1990 or any legislation of similar effect.
• out of the defence of any proceedings in a Court of Summary Jurisdiction in respect of matters which may form the subject of indemnity under this policy.

Compensation for Court Attendance
This policy will pay the AUE member £250 for each day they are required to attend court as a witness at the request of the Underwriters.

Principal Exclusions

1. Injury to Persons Employed
2. Risks that require more specific insurance
   e.g. motor vehicles, watercrafts, aircrafts
3. Aviation, Marine and Offshore Risks
4. Property In Your Care, Custody & Control
5. Professional Indemnity Risks
6. Arising from any use of fireworks,explosives or pyrotechnics, other than the use of flash paper, flash cotton or flash string.
7. Any activity undertaken more than 10 metres above ground or floor level.
8. Tattooing, Body Piercing and Face Painting
9. Any activity undertaken at a Hazardous Premises.
10. Defective Products
11. Product Recall
12. Aviation or Marine Products
13. Product Inefficacy
14. Contractual Liability
15. Punitive Damages
16. Liquated Damages and Penalty Clauses
17. The policy Excess
18. Other Insurance
19. Deliberate Acts
20. Pollution
21. Mould & Fungus
22. Building materials that must be removed, encapsulated, or otherwise abated because its presence or release is a hazard to human health.
23. Asbestos

Law applicable to contractEnglish Law will be applicable to the contract of insurance between us, unless otherwise stated in your Policy's terms and conditions.
The language used in this Policy and any communication relating to it will be English. How to make a claimIn the unfortunate event that you need to make a claim, please contact Hencilla Canworth as soon as possible. Contact details are listed below. Please note that late notification can lead to claims being repudiated. How to make a complaintWe are dedicated to providing you with a high standard of service and we want to ensure we maintain these standards at all times. If you feel that we have not offered you a first class service please contact us at the following address and we will do our best to resolve the problem:
Managing Director
Hencilla Canworth Limited
Simpson House

6 Cherry Orchard Road
Croydon
Surrey
CR9 6AZ
Tel: 020 8686 5050
Fax: 020 8686 5559
If you are unable to resolve the matter with us your complaint may be referred to your insurer.

If you are still dissatisfied you may be able to refer your complaint to The Financial Ombudsman Service
South Quay Plaza
183 Marsh Wall
London
E14 9SR
Tel:     0800 023 4567
Web:   www.financial-ombudsman.org.uk

Financial Services Compensation SchemeRoyal & SunAlliance Insurance plc and all other consortium insurers are members of the Financial Services Compensation Scheme (FSCS).
You may be entitled to compensation from the scheme if they are unable to meet it’s obligations to you under this contract. If you are entitled to compensation under the Scheme, the level and extent of the compensation would depend on the nature of this contract.
Further information is available from
Financial Services Compensation Scheme
10th Floor
Beaufort House
15 St Botolph Street
London
EC3A 7QU
Tel: 0800 678 1100
Web: www.fscs.org.uk Details of RegulatorHencilla Canworth Limited are authorised and regulated by the Financial Conduct Authority. ArgoGlobal and all other consortium insurers are authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority.
The Financial Conduct Authority website, which includes a register of all regulated firms can be visited at www.fca.org.uk or the FCA can be contacted on 0800 111 6768. Additional InformationIf you require any further information or wish to request a copy of the full policy wording – Please contact:
Hencilla Canworth Limited, Tel:020 8686 5050 or email@hencilla.co.uk