Veterinary Practice Policy Document Contents

Veterinary Practice Policy document Contents A warm welcome to Zurich 3 Section C Your Veterinary Practice policy 3 Business interruption 23 Helpline numbers 5 Section D Meaning of words 7 Book debts 26 Section A Section E Buildings 8 Fidelity �� 27 Rent 8 Section F Glass 8 Legal expenses 28 Sanitaryware 8 Endorsements 36 Property owners liability �� 8 General conditions 37 Settling claims 8 Claims conditions 38 Additional costs 9 General exclusions 39 Automatic reinstatement of the sum insured 9 Our complaints procedure 43 Index linking 9 Selling your buildings �� 9 Capital additions 9 Landscaped gardens �� 9 Sprinker, fire extinguisher and alarm systems 10 Upgrading sprinkler installations 10 Section B Contents 10 AGM, exhibition or conference cancellation 11 Animals in custody or control 11 Animals in transit 11 Capital additions11 Computer virus 11 Debris removal costs ��11 Household contents ��11 Loss of metered water 11 Property temporarily removed 12 Theft of keys 12 Trace and access ��12 Settling claims 12 Automatic reinstatement of the sum insured 12 Index linking 13 Glass 13 Sanitaryware 13 Rent 13 Deterioration of stock 13 Pressure plant 13 Computer breakdown13 Money ��15 Malicious attack 15 Employers’ liability 16 Public liability 18 Product liability 18 Tenant’s liability 22 2 A warm welcome to Zurich Thank you for taking out your Veterinary Practice insurance policy with us and welcome to Zurich Insurance plc Zurich Insurance plc is a member of a group of companies of which the ultimate parent company is Zurich Insurance Group Ltd, a company registered in Switzerland (Zurich) Zurich has a global network of subsidiaries and offices in North America and Europe as well as in Asia Pacific, Latin America and other markets Founded in 1872, the Group is headquartered in Zurich, Switzerland It employs approximately 60,000 people serving customers in more than 170 countries At Zurich we have your future in mind and look forward to working closely with you wwwzurichcouk Your Veterinary Practice policy This policy is a contract between you and us This policy and any schedule, endorsement and certificate should be read as if they are one document We will insure you under those sections stated in the schedule during any period of insurance for which we have accepted your premium Our liability will in no case exceed the amount of any sum insured or limit of liability stated in this policy, the schedule or any endorsement to this policy Any reference to the singular will include the plural and vice versa Any reference to any statute or statutory instrument will include any amendments thereto or re-enactment thereof Any heading in this policy is for ease of reference only and does not affect its interpretation Law applicable to this contract – Not applicable to section F In the UK the law allows both you and us to choose the law applicable to this contract This contract will be subject to the relevant law of England and Wales, Scotland, Northern Ireland, the Isle of Man or the Channel Islands depending upon your address stated in the schedule If there is any dispute as to which law applies it will be English law The parties agree to submit to the exclusive jurisdiction of the English courts This is a legal document and should be kept in a safe place Please read this policy and any schedule, endorsement and certificate carefully and if they do not meet your needs contact us or your broker or insurance intermediary 3 How we use personal information We and other insurers may search these databases when We hold personal information in accordance with the Data you apply for insurance, in the event of any incident or Protection Act 1998 The information supplied to us by you claim or at time of renewal to validate your claims history may be held on computer and passed to other insurers and or that of any other person or property likely to be involved reinsurers for underwriting and claims purposes You in the policy or claim should show this to anyone whose personal information This helps to check information provided and prevent may be processed to administer this policy including fraudulent claims handling any claims We use a variety of security technologies and procedures Fraud prevention and detection to help protect personal information from inappropriate In order to prevent and detect fraud we may at any time: use, and we will continue to revise procedures and a) share information about you with other organisations implement additional security features as new technology including the police becomes available b) conduct searches using publicly available databases We may use personal information for underwriting and claims purposes, statistical analysis, management c) undertake credit searches information, market research, audits on the handling of d) check and share your details with fraud prevention and claims, systems integrity testing, and risk management detection agencies We will only share personal information as described in this notice or where we are required or allowed to do so If false or inaccurate information is provided and fraud is by law identified details will be passed to fraud prevention agencies Law enforcement agencies may access and use We may record or monitor telephone calls for security and this information We and other organisations may also regulatory purposes access and use this information to prevent fraud and money laundering for example when: Policy administration In order to administer your insurance policy and any claims a) checking details on applications for credit and credit made against this policy we may share personal related to other facilities information provided to us with other companies within b) managing credit and credit related accounts or facilities the Zurich Insurance Group and with business partners including companies inside and outside the European c) recovering debt and tracing beneficiaries Economic Area If we do transfer personal information d) checking details on proposals and claims for all types including where we propose a change of underwriter we of insurance make sure that it is appropriately protected e) checking details of job applicants and employees We may conduct searches about anyone whose personal information may be processed to administer this policy Please contact us if you want to receive details of the (including handling any claims) using publicly available relevant fraud prevention agencies We and other sources Examples are the edited electoral roll, county court organisations may access and use from other countries the judgments/Scottish decrees, bankruptcy registers and other information recorded by fraud prevention agencies public databases This helps us assess applications for insurance, provide renewal quotations and check the Data protection rights accuracy of information These searches may be recorded Individuals have certain rights under the Data Protection by credit reference agencies but they will not affect any Act 1998, including the right to ask for credit standing a copy of the information we hold about them We may make a small charge for this Individuals also have the right Claims history to ask us to correct their information if it is inaccurate When you tell us about an incident or claim we may pass If you want to know more about how we use personal information relating to it to the Claims and Underwriting information or have any data protection questions, please Exchange Register (CUE), run by Insurance Database contact the Data Protection Officer, Zurich Insurance plc, Services Ltd (IDSL) or other relevant database 3000 Parkway, Whiteley, Fareham, Hants, PO15 7JZ 4 Helpline numbers The following services are provided by DAS Law Counselling service Limited and/or a preferred law firm on behalf of Call 0344 893 9025 for confidential counselling DAS Legal Expenses Insurance Company Limited. DAS will provide your employees, including any members of their immediate family who permanently live with them, Commercial Legal Assistance with a confidential counselling service over the phone Legal advice and protection for your business including, where appropriate, onward referral to relevant voluntary and/or professional services Any costs arising Helpline services from the use of these referral services will not be paid by You can contact the DAS UK-based call centres 24 hours DAS or Zurich Insurance plc a day, seven days a week However, DAS may need to arrange to call you back depending on the enquiry The counselling service helpline is open 24 hours a day, To help DAS check and improve their service standards, seven days a week they record all inbound and outbound calls, except those to the counselling service When phoning, please advise Health and medical information service DAS of your policy number and the name of the insurance Call 0344 893 9022 for health and medical information provider who sold you the policy DAS will give your employees information over the phone on general health issues and advice on a wide variety of Legal advice helpline

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