Index [www.apcunderwriting.com]

1 Shopkeepers policy Wording-0115 2 Index Page Index A guide to this document ..2 The contract of insurance Details of the contract between you and us ..3 Definitions The meaning of certain words and phrases ..5 Section one: Buildings What is covered ..8 Extra benefits included with buildings ..9 Settling claims .. 10 Section two: Contents What is covered .. 11 Extra benefits included with contents .. 13 Settling claims .. 16 Extra benefits included with sections one and two Extra benefits to both buildings and contents .. 17 Section three: Loss of income (A) Business Interruption .. 19 Extra benefits included with business interruption .. 20 Settling claims .. 21 (B) Loss of accounts receivable.

2 22 Extra benefits included with loss of accounts receivable .. 22 Settling claims .. 22 Section four: Loss of liquor licence Indemnity .. 23 Extra benefits included with loss of liquor licence .. 24 Settling claims .. 24 Section five: Subsidence Subsidence cover to buildings and contents .. 25 Section six: Theft by employees Cover for theft by employees .. 25 Section seven: Specified all risks Cover for specified items .. 26 Settling claims .. 26 Section eight: Terrorism Terrorism cover for your business .. 27 Section nine: Legal Liabilities (A) Employers liability .. 29 Extra benefits included with employers liability .. 29 (B) Public and products liability .. 30 Extra benefits included with public and products liability.

3 31 Extra benefits included with employers liability & public and products liability .. 33 Section ten: Legal Expenses Insured incidents .. 34 Additional services .. 38 Specific exclusions .. 39 Specific conditions .. 40 Claims procedure .. 41 General exclusions Restrictions which apply to your insurance .. 42 General conditions Certain conditions that you must adhere to .. 44 General clauses and warranties Certain clauses and warranties you must adhere to .. 46 Shopkeepers policy Wording-0115 3 In return for payment of the premium shown in the schedule, we agree to insure you, subject to the terms and conditions contained in or endorsed on the document, against loss or damage you sustain or legal liability you incur for accidents happening during the period shown in the schedule for which you have paid, or agreed to pay, the premium.

4 When drawing up this document, we have relied on the information and statements which you have provided in the proposal form (or declaration) on the date shown in the schedule or in any subsequent schedule issued to you. The insurance relates ONLY to those sections of the document which are shown in the schedule as being included. The contract does not give, or intend to give rights to anyone else. No-one else has the right to enforce any part of this contract. We may cancel or change any part of the contract without getting anyone else s permission. The written authority (which number is shown in the schedule) allows Anglo Pacific Consultants (London) Ltd ( APC ) to sign and issue this document on our behalf. Unless we have agreed otherwise with you, this contract is governed by English Law.

5 Underwritten by:- Sections one to nine : 100% Lloyd s Section ten : DAS Legal Expenses Insurance Company Limited DAS Legal Expenses Insurance Company Limited ( DAS ) is the underwriter and provides the legal protection insurance under Section seven Legal expenses. The legal advice service is provided by DAS Law Limited and/or a preferred law firm on behalf of DAS. DAS Head and Registered Office: DAS Legal Expenses Insurance Company Limited | DAS House Quay Side | Temple Back | Bristol | BS1 6NH Registered in England and Wales, number 103274. Website: DAS Legal Expenses Insurance Company Limited is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority.

6 DAS Law Limited Head and Registered Office: DAS Law Limited | North Quay | Temple Back | Bristol | BS1 6FL Registered in England and Wales, number 5417859. Website: DAS Law Limited is authorised and regulated by the Solicitors Regulation Authority. DAS Law Limited is listed on the Financial Conduct Authority register to carry out insurance mediation activity, including the administration of insurance contracts, on behalf of DAS Legal Expenses Insurance Company Limited. How to make a claim under Section One to Nine If you need to make a claim please first check your policy to make sure you are covered. You must then follow the instructions provided under the Making a claim condition 2 under this policy s General conditions.

7 24 Hour Claims Line: 0207 256 3102 Address: APC Underwriting, 80 Leadenhall Street, London, EC3A 3DH APC s claims helpline is open 24 hours a day, alternatively you can contact your insurance broker who will help APC deal with your claim quickly and fairly. Telephone calls may be monitored and recorded. How to make a complaint under Sections One to Nine If at any time you have any concerns regarding your contract of insurance, you should in the first instance refer to your insurance broker/intermediary or advisor, if any. The majority of complaints can be resolved quickly and satisfactorily by the department you are dealing with. It may be that APC can resolve your complaint over the telephone in the first instance and you can contact the relevant department on 0207 256 3100.

8 Should you feel that APC have been unable to offer you a resolve by telephone, please email or alternatively write to: The Chief Operating Officer at Anglo Pacific Consultants (London) Ltd, 80 Leadenhall Street, London, EC3A 3DH. However your complaint may require further investigation. If so, APC will send you a written acknowledgment within 2 working days stating: How your complaint will be handled Who will handle your complaint What you need to do, if anything. Your complaint will be investigated by one of our trained staff and a detailed response will be sent to you within 2 weeks of APC receiving your complaint. If you have any concerns in the meantime, you can contact the person identified on the acknowledgment letter.

9 Their response will either: Accept your complaint and offer some form of redress if necessary Reject the complaint giving full reasons for doing so. If you are not satisfied with APC s response, or have not heard from APC within two weeks, you are entitled to refer the matter to the Complaints Team at Lloyd s:- Post: Complaints, Lloyd s, One Lime Street, London, EC3M 7HA Email: Telephone: +44 (0) 20 7327 5693 Fax: +44 (0) 20 7327 5225 Lloyd s will then conduct a full investigation of your complaint and provide you with a written final response. If you are still not satisfied, and are a small business, you can contact the Insurance Division of the Financial Ombudsman Service at: Shopkeepers policy Wording-0115 4 Exchange Tower, Harbour Exchange Square, London, E14 9SR.

10 You can also contact them on 0800 023 4567 (free from a landline), 0300 123 9123 (free from some mobile phones) or email them at Website: Using these services does not affect your right to take legal action. How to make a complaint under Section Ten (Legal Expenses) DAS always aim to give you a high quality service. If you think DAS have let you down, please write to their Customer Relations Department at:- DAS Customer Relations Department, DAS Legal Expenses Insurance Company Limited, DAS House, Quay Side, Temple Back, Bristol, BS1 6NH. Alternatively you can phone DAS on 0844 893 9013 or email DAS at Details of the DAS internal complaint-handling procedures are available on request. If you are still not satisfied, and are a small business, you can contact the Insurance Division of the Financial Ombudsman Service at: Exchange Tower, Harbour Exchange Square, London, E14 9SR.