General Conditions of a Business Combined
Policy

1 This Policy shall be voidable in the event of misrepresentation
misdescription or non-disclosure in any material particular.

2 Failure to observe the terms of this Policy relating to anything
to be done or complied with by the freelancer (Insured) except in so far as
is necessary to comply with the requirements of any legislation
enacted in Great Britain Northern Ireland the Channel Islands or
the Isle of Man relating to compulsory insurance of legal liability
to employees may result in a claim not being paid or payment
reduced

3 The freelancer (Insured) at his own expense shall
(i) take all reasonable precautions to prevent or diminish loss
destruction or damage or any occurrence or cease any
activity which may give rise to liability under this Policy and
to maintain all buildings furnishings ways works machinery
plant caravans and vehicles in sound condition
(ii) exercise care in the selection and supervision of employees
(iii) as soon as possible after discovery cause any defect or
danger to be made good or remedied and in the meantime
shall cause such additional precautions to be taken as the
circumstances may require

4 This Policy shall be voidable by the Company if and when
(i) the Business is wound up or carried on by a liquidator or
receiver or permanently discontinued or
(ii) the freelancer (Insured) ceases to have an interest that is insurable For example for insurance for Premises (an example might be
that the Premises have been sold to a third party). However
this right to void the Policy does not apply in the event of
the death of the freelancer (Insured) or
(iii) there are any significant alterations to either
the Business or the Premises or
property within the Premises or
the occupation of any freelancer (Insured) Person or
any other circumstances where the subject of the insurance
such as the Premises changes and becomes a higher risk to
insure at any time after the commencement of the Policy
unless such alteration is notified to the Company and we confirm
that we are happy to accept the change

5 A person or company who was not party to this Policy has no
right under the Contracts (Rights of Third Parties) Act 1999 to
enforce any term of this Policy but this does not affect any right
or remedy of a third party which exists or is available apart from
that Act

6 Cancellation when the premium is paid annually
This Policy may be cancelled by the freelancer (Insured) giving written instruction to the Company
or
the Company sending 30 days written notice to the last known
address of the Insured
Cancellation will be effective from
the receipt of valid instruction from the freelancer (Insured) provided that
where a Certificate of Insurance has been issued as a statutory
requirement to provide evidence of cover cancellation will only
be effective from the date of receipt of the Certificate(s) of
Insurance by the Company
or
the expiry of the 30 days written notice sent by the Company
The freelancer (Insured) will be entitled to a proportionate return of premium in respect of the unexpired portion of the current Period of
Insurance provided that no claim has been made in that Period
nor any incident occurred that might give rise to a claim

7 All the Sums freelancer (Insured) Limits of Indemnity Limits of Liability
and any other restrictions on the amount of the Company's
liability stated in this Policy will apply as maximum limits to the
Company's liability irrespective of the number of persons entitled
to indemnity under this Policy
For the purposes of the Sums freelancer (Insured) Limits of Indemnity Limits of Liability and any other restrictions on the amount of the
Company's liability the freelancer (Insured) and all other persons entitled to indemnity under this Policy shall be treated as one party or legal
entity so that there will be only a single contract of insurance
between the Company as one party and the freelancer (Insured) and all other persons entitled to indemnity as the other party

8 Under the laws of the UK (England Scotland Wales
and Northern Ireland) both parties may choose the law which
applies to this contract to the extent permitted by those laws
Unless the parties agree otherwise in writing the Company has
agreed with the freelancer (Insured) that the law which applies to this contract is the law which applies to the part of the United Kingdom
in which the freelancer (Insured) is based or if the freelancer (Insured) is based in the Channel Islands or the Isle of Man the law of whichever of those two places in which the freelancer (Insured) is based
The parties have agreed that any legal proceedings between them
in connection with this contract will only take place in the courts
of the part of the UK in which the freelancer (Insured) is based
or if the freelancer (Insured) is based in either the Channel Islands or the Isle of Man the courts of whichever of those two places in which the
freelancer (Insured) is based.

For more information see our pdf of this policy