Self Employed

Trade Specific Options - Endorsements

Alarm Installations

We will not provide indemnity under the Public and Products Liability Section of this policy in respect of the failure or alleged failure or unsuitability of any Products Supplied comprising fire or intruder alarms to correctly perform their intended function.

Animal Breeding

Excluding (GL)

We will not provide indemnity under the Public and Products Liability Section of this policy in respect of the breeding of any animal other than; any animal that Norwich Union agree to provide cover for.

Excluding (EL+GL)

We will not provide indemnity under the Employers Liability and Public and Products Liability Sections of this policy in respect of the breeding of any animal other than; any animal that Norwich Union agree to provide cover for.

Builders - New Private Dwelling Houses

(GL)

We will only indemnify The Insured under the Public and Products Liability Section of this policy in respect of contracts, undertaken by You or on Your behalf, for the erection of private dwelling houses including any;

partial or total demolition
road and footpath construction
laying pipes and drains

forming part of the contract.

We will not provide indemnity in respect of piling work, water diversion or the use of explosives.

(EL+GL)

We will only indemnify The Insured under the Employers Liability and Public and Products Liability Sections of this policy in respect of contracts, undertaken by You or on Your behalf, for the erection of private dwelling houses including any;

partial or total demolition
road and footpath construction
laying pipes and drains

forming part of the contract.

We will not provide indemnity in respect of piling work, water diversion or the use of explosives.

Builders - Erection Alteration Maintenance & Repair

(GL)

We will indemnify The Insured under the Public and Products Liability Section of this policy in respect of;

- partial or total demolition
- road and footpath construction
- laying pipes, drains and sewers
only if this forms part of a contract undertaken by You or on Your behalf for the erection, alteration, maintenance or repair of buildings or structures.
Partial or total demolition of structures not exceeding 4 metres in height.

We will not provide indemnity in respect of;
- piling work, water diversion or the use of explosives
- the construction of or work on towers, steeples, chimney shafts, blast furnaces, viaducts, bridges, docks, tunnels, dams or reservoirs

(EL+GL)

We will indemnify The Insured under the Employers Liability and Public and Products Liability Sections of this policy in respect of;

- partial or total demolition
- road and footpath construction
- laying pipes, drains and sewers
only if this forms part of a contract undertaken by You or on Your behalf for the erection, alteration, maintenance or repair of buildings or structures.
Partial or total demolition of structures not exceeding 4 metres in height.

We will not provide indemnity in respect of;
- piling work, water diversion or the use of explosives.
- the construction of or work on towers, steeples, chimney shafts, blast furnaces, viaducts, bridges, docks, tunnels, dams or reservoirs.

Builders - New Commercial Buildings

(GL)

We will only indemnify The Insured under the Public and Products Liability Section of this policy in respect of contracts, undertaken by You or on Your behalf, for the erection of buildings not exceeding 10 metres in height and including any;

partial or total demolition
road and footpath construction
laying pipes and drains

forming part of the contract.

We will not provide indemnity in respect of piling work, water diversion or the use of explosives.

(EL+GL)

We will only indemnify The Insured under the Employers Liability and Public and Products Liability Sections of this policy in respect of contracts, undertaken by You or on Your behalf, for the erection of buildings not exceeding 10 metres in height and including any;

partial or total demolition
road and footpath construction
laying pipes and drains

forming part of the contract.

We will not provide indemnity in respect of piling work, water diversion or the use of explosives.

Catering Contractors

We will not provide indemnity under the Public and Products Liability Section of this policy in respect of any catering carried out from any;

refreshment trailers
mobile vans
mobile kiosks

Children's Entertainer

We will not provide indemnity under the Public and Products Liability Section of this policy in respect of any;

mechanically propelled amusement devices on which persons ride or are conveyed
gun archery or rifle range
bouncy castles and other inflatable devices

Computer Repairs

We will not provide indemnity under the Public and Products Liability Section of this policy in respect of any repairs undertaken on computer equipment other than to personal computers and any associated peripheral equipment.

Bodily Injury to Participants - Excluding (EL+GL)

We will not provide indemnity under the Public and Products Liability Section of this policy in respect of Bodily Injury to Participants while practising or competing unless caused by defects in The Insured's premises.

Computers

We will not provide indemnity under the Public and Products Liability Section of this policy in respect of;

professional errors, omission or neglects
data supplied
Damage to data
the Data Protection Act 1998 or any subsequent legislation

Drain Cleaners - High Risk Premises - Excluding (EL+GL)

We will not provide indemnity under the Employers Liability and Public and Products Liability Sections of this policy in respect of work.

on or in:
1. power stations or nuclear installations/establishments
2. oil, gas or chemical
  1. refineries
  2. bulk storage
  3. production premises
3. mainframe computers or rooms containing mainframe computers
4. aircraft, aerospace systems or hovercraft
5. watercraft other than work, not involving the use of heat, on or in watercraft in docks, harbours, boatyards or inland waterways
6. railways or airports
underwater

Keep Fit & Sports Instruction

We will not provide indemnity under the Public and Products Liability Section of this policy in respect of;

bodily injury to any person as a result of his or her inexperience or physical inability to carry out advice or instruction given by You or on Your behalf
medical advice, instruction, recommendations or treatment

Keep Fit, Dance & Sports Instruction

We will, under the Public and Products Liability Section of this policy, provide indemnity in respect of the provision of keep fit, dance and sports instruction.

Groundwork Contractors

We will not provide indemnity under the Public and Products Liability Section of this policy in respect of;

piling work, water diversion or the use of explosives
the construction of or work on towers, steeples, chimney shafts, blast furnaces, viaducts, bridges, docks, tunnels, dams or reservoirs
digging below a depth of 1metre
the use of any mechanically self propelled excavating plant designed to dig below its own wheel base

Excess - Heat Use

In respect of Damage to Property under the Public and Products Liability Section of this policy arising out of any;

electric, oxy-acetylene,or similar welding or cutting equipment
cutting and grinding equipment using abrasive disks or wheels
blow lamp, blow torch, hot air gun or hot air stripper
asphalt, bitumen, tar or pitch heater used away from premises which You own, hire or rent an Excess of £500 in respect of Compensation Costs and Expenses applies to each and every event.

Height Limit

(GL)

We will not provide indemnity under the Public and Products Liability Section of this policy in respect of work at a height exceeding 10 metres above ground level.

(EL+GL)

We will not provide indemnity under the Employers Liability and Public and Products Liability Sections of this policy in respect of work at a height exceeding 10 metres above ground level.

Home Help

We will not provide indemnity under the Public and Products Liability Section of this policy in respect of the supply, prescription or dispensing of drugs or medicines.

High Risk Premises

Excluding (GL)

We will not provide indemnity under the Public and Products Liability Section of this policy in respect of work.

On or in;
1. power stations or nuclear installations / establishments.
2. oil, gas or chemical;
  1. refineries
  2. bulk storage
  3. production premises
3. mainframe computers or rooms containing mainframe computers.
4. aircraft, aerospace systems or hovercraft.
5. watercraft other than work, not involving the use of heat, on or in watercraft in docks, harbours, boatyards or inland waterways.
6. railways or airports.
Underground or underwater.

Excluding (EL+GL)

We will not provide indemnity under the Employers Liability and Public and Products Liability Sections of this policy in respect of work.

On or in;
1. power stations or nuclear installations / establishments.
2. oil, gas or chemical;
  1. refineries
  2. bulk storage
  3. production premises
3. mainframe computers or rooms containing mainframe computers.
4. aircraft, aerospace systems or hovercraft.
5. watercraft other than work, not involving the use of heat, on or in watercraft in docks, harbours, boatyards or inland waterways.
6. railways or airports.
Underground or underwater.

Work At Industrial Premises

Excluding (GL)

We will not provide indemnity under the Public and Products Liability Section of this policy in respect of any work at industrial premises.

Excluding (EL+GL)

We will not provide indemnity under the Employers Liability and Public and Products Liability Sections of this policy in respect of any work at industrial premises.

Computer Installation

We will not provide indemnity under the Public and Products Liability Section of this policy in respect of any installation carried out on any computer equipment other than personal computers and any associated peripheral equipment.

Injuries to Working Partners

We will under the Employers Liability Section of this policy treat, as an Employee, any working partner or proprietor of The Business who suffers Bodily Injury;

in the course of The Business during the Period of Insurance and within the Territorial Limits and;
caused by the negligence of another working partner, proprietor or Employee.

Locks & Safes

We will not provide indemnity under the Public and Products Liability Section of this policy in respect of the failure of locks or safes to adequately protect Property from Damage.

Tree Felling

Excluding (GL)

We will not provide indemnity under the Public and Products Liability Section of this policy in respect of the felling or lopping of trees.

Excluding (EL+GL)

We will not provide indemnity under the Employers Liability and Public and Products Liability Sections of this policy in respect of the felling or lopping of trees.

Work Away (Manual)

Excluding (GL)

We will not provide indemnity under the Public and Products Liability Section of this policy in respect of manual work, other than collection or delivery, carried out away from premises which You own, hire or rent.

Excluding (EL+GL)

We will not provide indemnity under the Employers Liability and Public and Products Liability Sections of this policy in respect of manual work, other than collection or delivery, carried out away from premises which You own, hire or rent.

Photography & Videography

Excluding (GL)

We will not provide indemnity under the Public and Products Liability Section of this policy in respect of any;

aerial
underwater

filming, photography or videography.

Excluding (EL+GL)

We will not provide indemnity under the Employers Liability and Public and Products Liability Sections of this policy in respect of any;

aerial
underwater

filming, photography or videography.

Products Supplied - Restricted Cover

We will not provide indemnity under the Public and Products Liability Section of this policy in respect of Products Supplied other than;

the sale or supply of non-medicinal food or drink
the disposal of furniture and office equipment previously used in the course of The Business
any products that Norwich Union agree to provide cover for

Project Management

We will not provide indemnity under the Public and Products Liability Section of this policy in respect of any projects undertaken for the erection, alteration, maintenance or repair of any buildings or structures.

Signs and Hoardings - Excluding

We will not provide indemnity under the Public and Products Liability Sections of this policy in respect of signs or hoardings owned by You or for which You are responsible located away from Your premises.

Tour Guides

We will not provide indemnity under the Public and Products Liability Section of this policy in respect of any;

arrangement of
1. transport
2. accommodation
tour lasting more than 12 hour(s).

Excess - Third Party Property Damage

In respect of Damage to Property under the Public and Products Liability Section of this policy caused by;

You or;
work carried out by You or on Your behalf

away from premises which You own, hire or rent, an Excess of (1)£Variable data in respect of Compensation Costs and Expenses applies to each and every event unless the Damage is subject to a more specific Excess.

Underground Services - Excess

In respect of Damage to underground pipes, cables or other services under the Public and Products Liability Section of this policy the following Excesses apply in respect of Compensation Costs and Expenses to each and every event.

optical fibre cables - the higher of 10% or £250 subject to a maximum of £2,500
other underground cables, pipes or services - £250

Woodworking Machinery - Excluding

We will not provide indemnity under the Employers Liability Section of this policy in respect of the use of powered woodworking machinery other than;

lathes
fret saws
boring or sanding machines
portable hand tools

Motor Contingent Liability - Excluding

Clause 'Motor Contingent Liability' of the Public and Products Liability Section of this policy is deleted.

Professional Indemnity - Excluding

We will not provide indemnity under the Public and Products Liability Section of this policy in respect of errors, omissions or neglects in any;

advice given by You or on Your behalf
plan, survey report, certificate or any similar document
design, formula, instruction, specification
computer program

prepared by You or on Your behalf.

Work Away (Outside UK)

Excluding (GL)

We will not provide indemnity under the Public and Products Liability Sections of this policy in respect of work carried out outside Great Britain, Northern Ireland, the Isle of Man or the Channel Islands.

For use on risks with GL cover only

Excluding (EL+GL)

We will not provide indemnity under the Employers Liability and Public and Products Liability Sections of this policy in respect of work carried out outside Great Britain, Northern Ireland, the Isle of Man or the Channel Islands.

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Personal Commercial

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