Morton Michel in partnership with the Children’s Activities Association (CAA)

Employers’ Liability covers the cost of compensating employees who are injured at or become ill through work due to employers’ negligence.

You must take all reasonable precautions and comply with all relevant statutory requirements, and you are not covered for fines penalties and punitive awards.

Public and Products Liability covers your business if you or your employees are held legally liable for accidental injury to clients, customers or the public, or for damage to their property as a result of your business's activities or products.

You will not be covered for bodily injury to employees, fines, penalties and punitive awards, and sports involving weapons. You must follow all relevant statutory requirements and take all reasonable precautions to prevent a loss.

Treatment Liability insurance can protect against customer claims of injury, illness or property damage due to the services or advice provided by your business.

You will not be covered for bodily injury to employees or fines, penalties and punitive awards and you must follow all relevant statutory requirements and take all reasonable precautions to prevent a loss.

Professional Indemnity insurance is designed to protect you if a client or customer of yours loses money because of advice or services you've offered in connection with your business.

You will not be covered for claims or circumstances that you are aware of or that have been or should have been reported to a previous policy, bodily injury or property damage other than as provided for under Loss of or Damage to Documents.

Legal Expenses is a way to help your business get access to legal support when you need it. It covers the costs of a legal dispute either made by or against you. It also provides a range of helplines for expert advice on business related legal and tax matters including employment law disputes.

You will not be covered for any claim with a less than 50% prospect of success, legal costs and expenses incurred without the insurers consent and claims not notified in a reasonable time. Helplines are subject to fair and reasonable use.

Portable Equipment insurance provides cover for your portable business equipment against accidental loss or damage.

You will not be covered for damage by theft or attempted theft from any unattended building which does not involve forcible and violent entry to or exit and damage by theft or attempted theft from any unattended vehicle overnight, during the hours of 9pm and 6am or after the completion of any working day of the driver other than as just described to you.

Money insurance covers you for physical loss of business money.

You will not be covered for clerical or accounting errors or shortages due to error or omission, losses due to fraud or dishonesty by any official unless the loss is discovered within seven working days or loss from unattended vehicles.

Contents insurance provides cover for equipment at your premises, which is used solely in connection with your business, against unexpected loss or damage. For example, fire, theft, water damage and flood.

You will not be covered for the first £100 of any valid claim relating to electrical items and £50 for all other items, theft, or attempted theft from unattended vehicles outside of business hours and overnight or wear, tear or depreciation in value.

Equipment Breakdown provides cover against electrical or mechanical breakdown of electronic equipment (including computers and portable computer equipment).

You will not be covered for wear and tear or other gradually developing conditions, damage recoverable under maintenance agreements, warranties or guarantees, damage to equipment caused by a cyber event, e.g. virus, hacking and denial of service attack or taking reasonable precautions to prevent loss or damage.

Business Interruption covers you for loss of income during periods when you cannot carry out business as usual due to an unexpected event.

You will not be covered for loss caused by damage excluded by the Property Damage section and if your interest in the business ceases other than by death or the business is wound up, insolvent or permanently discontinued.

Personal Accident cover provides compensation for an insured person aged under 75 years old should they sustain accidental bodily injury arising out of an insured event, resulting in death, loss of limb, loss of sight, hearing or speech or permanent or temporary total disablement.

You will not be covered for any pre-existing physical or mental disability, infirmity, medical condition, chronic or recurring ailment, intentional self-injury, suicide or attempted suicide or injury whilst being under the influence of intoxicating liquor or drugs.

Employee Dishonesty insurance covers you for the theft of your money or property belonging to you, by any of your employees.

You will not be covered for losses where you continue to entrust the defaulting employee with access to money or property or for loss of interest, profits or any indirect loss resulting from theft.