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Quotation Request

PhotoShield - Bespoke

Client Details
Cover Details
Legal Protection
Premises
Security
Claims
Disclosure

Client Details

When do you need cover to start?
Your name
Trading Name
Contact Number
Contact Email Address
Reason for being ERN Exempt:
Is there a Third Party Interest to be Noted?
Risk Address
Do you engage in any airside, aerial, trackside, underwater or paparazzi work, or any other potentially hazardous work that we should be aware of?
Are you a member of an association?

Cover Details

Buildings
Including subsidence, landlords fixtures, fittings and walls, gates and fences pertaining thereto for your business premises, excluding private dwellings
£
Tenant's Improvements
£
Trade Fixtures and Fittings and all other Contents (Including Property Held in Trust)
£
Electronic Equipment & Computers
£
Stock, Portfolios and Materials in the Trade
Including the property of your own, held in trust, or in commission for which you are legally responsible for
£
Total Photographic / Video Equipment
The total replacement value of your Photographic Equipment including camera bodies, lenses, flashes, tripods, carry cases etc.
£
Laptops / Tablets
£
Mobile Phones (under a business contract)
£
Mini Labs - Premises
The total replacement value of any Mini Labs or mobile printing equipment
£
Is Professional Indemnity cover required?
£100,000 Limit of Indemnity
Is Employers Liability cover required?
£10,000,000 Limit of Indemnity
Estimated Annual Turnover
£
Set No Claims Discount @ % £0.00
Set Association Discount £ £0.00
Set Discretionary Discount @ % £0.00
Set Additional Loading £ £0.00
 
 
 

Legal Protection

Do you require Legal Protection?
Cover includes:
• Employment disputes and compensation awards
• Legal defence
• Property protection and bodily injury
• Tax protection
• Contract disputes
• Debt recovery
Limit of indemnity is £100,000
Premium is £34.00 plus Insurance Premium Tax
*Cover provided by DAS Legal Expenses Insurance Company Limited (DAS) and provides the legal protection insurance under the policy. The legal advice service is provided by DAS Law Limited and/or a preferred law firm or tax consultancy on behalf of DAS.

Premises

Although you may not require Buildings insurance, the below provides the Insurers with important information about where the equipment will be stored. The property declared:
has walls built of brick, stone or concrete?
has a roof of slate, tile, metal or concrete excluding any flat roof area?
is in a good state of repair and kept in a like manner?
has a listed status?
is entirely self contained?
is free from storm exposure and/or are in an area which is free from flooding and at least 250 metres away from the nearest river, canal, lake or tidal waterway?
is free from, and in an area which is free from any signs of subsidence, heave and/or landslip?

Security

Does the proposed premises comply with the minimum security requirements described below?

While the insured premises is closed for business or left unattended you must ensure that the physical security measures at the insured premises comply with the following criteria and all security devices were in full and effective operation when the damage occurred:

1. All doors, other than any designated fire exit, providing a final point of entrance to or exit from the insured premises are secured by a key operated lock which engages with the door frame and can be engaged from both sides.

2. All designated fire exits are secured by:

a. a panic bar locking system incorporating bolts which engage both the head and sill of the door frame; or

b. a mortice lock having specific application for emergency exit doors and which is operated from the inside by means of a conventional handle or thumb turn mechanism.

3. All windows and skylights which are accessible from the ground or easily reached by climbing are:

a. secured by means of a key-operated locking device;

b. permanently screwed shut; or

c. protected by solid steel bars, not more than 10cm apart, or metal grilles.

Are the premises thoroughly protected by an intruder alarm system, under the sole control of the insured?

Claims

Have You or any Partner(s) or Directors(s) suffered a loss, claim or incident (which may give rise to a claim) at these premises, or any other premises, whether insured or not within the last 5 years?

Additional Information

Do you want to bring any further information to the underwriters attention?
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When taking out insurance wholly or mainly for purposes related to your trade, business or profession, you have a duty under The Insurance Act 2015 to make a fair presentation of the risk. This means that you must disclose every material circumstance which you and/or your senior management and/or anyone responsible for arranging your insurance know or ought to know. Alternatively, you must disclose sufficient information which would put the insurer on notice that it needs to make further enquiries for the purpose of revealing those material circumstances. You are expected to carry out a reasonable search in order to make a fair presentation of the risk and will be deemed to know what should reasonably have been revealed by the search.

Your duty of fair presentation applies at the start of the policy, at renewal and when any variation of the policy is arranged. If you fail to make a fair presentation, the insurer may refuse to pay your claim or reduce the settlement amount, depending on the circumstances.

I have read this statement:

Please confirm the following statements:-
Neither I, nor any directors or partners in the business have ever:-
had an insurance contract cancelled by an insurer.
had an insurance contract declared void by an insurer.
had different terms applied to an insurance contract by an insurer due to misrepresentation by:

  • providing misleading or incorrect information

  • deliberately or recklessly withholding information

  • providing false documents

    • had insurance cover restricted or cancelled due to non-compliance with risk improvement requirements.
    been convicted of or charged with but not yet tried for a criminal offence other than motoring offences.
    NOTE: Spent convictions (as defined under the Rehabilitation of Offenders Act 1974 or any similar or subsequent legislation) do not need to be declared.
    Health & Safety
    Neither the Proposer, nor any directors or partners in the business either personally or in connection with the business or in any other business capacity has ever been:-
    convicted of (or charged but not yet tried with) a breach of any UK health and safety legislation by any official body regulatory authority or enforcing authority.
    served with a prohibition notice or improvement notice in connection with any UK health and safety legislation by any official body regulatory authority or enforcing authority.
    served with a clean-up notice in connection with any UK health and safety legislation by any official body regulatory authority or enforcing authority.
    All lifting plant and pressure vessels/boilers which are subject to Statutory Regulations are regularly inspected by qualified engineers as required by the legislation.
    To the best of our knowledge we comply with our legal obligations under UK health and safety legislation.
    Financial
    Neither the Proposer, nor any directors or partners in the business or in the name of any other business which any of us had an interest have:-
    been declared bankrupt or insolvent either as private individuals or in connection with any business within the last ten years.
    been disqualified from holding a directorship.
    been the subject of a County Court Judgement (or the Scottish equivalents) in respect of debt as private individuals or in connection with any business within the last six years.
    been a director or partner in a business that has been the subject of a County Court Judgement (or the Scottish equivalents) in respect of debt within the last six years.
    been officers of a company that has been declared insolvent, or had a receiver or liquidator appointed, or entered into arrangements with creditors in accordance with the Insolvency Act 1986 within the last ten years.
    When answering the above questions, you are confirming on behalf of the Proposer that the statements above are true and if this quote is converted to an insurance policy, it will form the basis of any contract of insurance affected thereon. I understand the questions asked and have read the answers provided:

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    Photoshield is a trading name of Howden UK Brokers Limited, which is authorised and regulated by the Financial Conduct Authority No. 307663. Registered in England and Wales under company registration number 02831010. Registered Office: One Creechurch Place, London, EC3A 5AF. Calls may be monitored and recorded for quality assurance purposes.

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