Helpline: 01274 518366

Quotation Request

PhotoShield - £99 Package

Disclosure
Client Details
Premises
Cover Details
Security
Claims

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 representation of the risk and will be deemed to know what should reasonably have been revealed by the search.

Your duty of fair representation 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 representation, the insurer may refuse to pay your claim or reduce the settlement amount, depending on the circumstances.

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.
Please provide full details?
had an insurance contract declared void by an insurer.
Please provide full details:
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
  • Please provide full details:
    had insurance cover restricted or cancelled due to non-compliance with risk improvement requirements.
    Please provide full details:
    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.
    Please provide full details:
    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.
    Please provide full details:
    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.
    Please provide full details:
    served with a clean-up notice in connection with any UK health and safety legislation by any official body regulatory authority or enforcing authority.
    Please provide full details:
    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.
    Please provide full details:
    been disqualified from holding a directorship.
    Please provide full details:
    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.
    Please provide full details:
    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.
    Please provide full details:
    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.
    Please provide full details:
    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. Please provide all details relevant to the quotation.

    Client Details

    Your name
    Trading Name
    Contact Number
    Contact Email Address
    /
    Is there a Third Party Interest to be Noted?
    Third Party Interest
    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?
    Please advise what type of activities you engage in:
    Are you a member of an association?
    Postcode For Lookup
    LV= Flood Lookup
    LV= Subsidence Lookup

    Premises

    The Premises / Buildings of the Business being proposed:
    have walls built of brick, stone or concrete?
    Please provide full details:
    have a roof of slate, tile, metal or concrete excluding any flat roof area?
    Please provide full details:
    Please advise construction:
    are in a good state of repair and kept in a like manner?
    have a listed status?
    are entirely self contained?
    Please provide full details:
    are 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?
    Please provide full details:
    are free from, and in an area which is free from any signs of subsidence, heave and/or landslip?
    Please provide full details:

    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.
    £
    Photographic / Video Equipment - Worldwide
    Of the above, what is the maximum value of equipment you would take away from the premises at any one time
    £
    Laptops / Tablets
    £
    Mini Labs - Premises
    The total replacement value of any Mini Labs or mobile printing equipment
    £
    Mini Labs - Worldwide
    Of the above, what is the maximum value of equipment you would take away from the premises at any one time
    £
    Is Professional Indemnity cover required? (£100,000 Cover)
    Professional Indemnity Limit
    £
    Public / Products Liability Cover
    £

    Covers automatically included:

    £100,000 - Professional Indemnity
    £2,000,000 - Public Liability
    Is Employers Liability cover required? (£10,000,000 Cover)
    Employers Liability Cover
    £
    Business Interruption (12 months)
    £
    Money
    £
    Cover Total (£): 0
    Basic Total £0.00
    Set No Claims Discount @ % £0.00
    Set Association Discount £ £0.00
    Set Discretionary Discount @ % £0.00
    Set Minimum Charge £ £0.00
    Set Additional Loading £ £0.00
    Net Total £0.00
    Commission From Insurer @ % £0.00

    Security

    Does the proposed premises comply with the minimum security requirements described below?
    1) The Final Exit Door of the premises is fitted with either a mortice deadlock / hook lock, which has 5 or more levers with matching boxed striking plate and conforms to BS3621 standard, or a cylinder operated deadlock or a deadlocking multi-point locking system.
    2) All other external doors and all internal doors giving access to any part of the building not occupied by the insured for the purposes of the business, are fitted with either, the security detailed in 1), or two key operated security bolts of doors, fitted approximately 30cm from both the top and bottom of the door.
    3) All Cellar Flaps are fitted with the security as detailed in 1), or 5 lever close-shackle padlocks, together with substantial locking bars.
    4) All ground floor and basement opening windows and skylights and all other opening windows and skylights, accessible from roofs, balconies, decks, canopies, down pipes or canopies must be fitted with key operated window locks or permanently fixed shut.
    Any door or window offcially designated to be a Fire Exit by the Fire Authority is excluded from these requirements.
    Please provide full details of your security:
    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?
    Please provide details:
    Date of IncidentCircumstances of the ClaimHow much was the claim settled for?
    Add row

    Additional Information

    Do you want to bring any further information to the underwriters attention?
    Please provide full details: