Solicitors office cover

TIME IS MONEY

Arranging and checking insurance is time consuming and expensive but essential to protect your Practice. LegalSure is designed to save you TIME and MONEY. Stuart Alexander and The National Solicitor’s Network, have devised a package tailor-made for Solicitor Practices. The most appropriate menu of cover offering full protection, with a minimum of fuss... and at a competitive price.

Standard Cover - All Risks

	Fire, Special Peril and Theft
	Accidental loss or damage
	Computer Systems
	Business Interruption
	Rent
	Loss of Deeds
	Loss of Court Appearance
	Public Liability
	Employers’ Liability
	Glass
	Money

The Standard Cover Includes additional benefits:

Index Linking

As a protection against inflation, all policies are index linked.

Business Interruption

Cover is provided against loss of ‘Gross Income’ following interruption to your business. The Standard Indemnity Period is 24 months.

‘Gross Income’ is defined as the money paid or payable to the Insured for professional services rendered in the course of the Business of your practice.

Other Benefits

	Additional Increased Cost of Working: £50,000
	Loss of, or damage to Documents/Manuscripts/ Deeds in transit - £10,000
	Property Stored
	Loss of Court Appearance Costs - £10,000 if court case is cancelled as a result of an insured peril
	Loss resulting from murder, suicide or disease
	Damage in the vicinity of the office preventing access
	Damage at suppliers premises
	Damage at public utilities (gas, electricity, water and telecommunications)

All the sums insured stated below are the minimum automatic STANDARD cover, but any can be increased by appropriate values for yourPractice by selecting these when you complete your TNSN Office Combined Insurance proposal form OR by separate application to Stuart Alexander Ltd.

Accounts Receivable

Money owed to you by customers which cannot be collected because records are lost or damaged (limit £10,000)

Rent

Cover for your liability as a tenant to pay rent (limit two years, £50,000 any one year)

Glass Breakage

	Breakage of fixed glass (including damage to sanitary fittings)
	Damage to window frames (limit £500)
	Damage to ornamental or other lettering and alarm foil (limit £500)

Signs

Damage to signs (neon signs are excluded)

Goods and Equipment in Transit

Loss or Damage to your goods during transit by any conveyance (limit £2,000)

Lock Replacement

Replacement of locks due to keys being stolen from your premises (limit £1,000)

Employers’ Liability

Damages, legal costs and expenses for which you are legally liable as a result of injury to your employees. The standard indemnity limit is £10 million any one event inclusive of all damages and costs. A higher limit may be available upon request. Cover extends to include Unsatisfied Court Judgements.

Public Liability

Injury to the public or loss or damage to their property. The standard indemnity limit is £5 million. Increased Indemnity limits may be available on request.

Money
Cash, uncrossed cheques and other negotiables:

	In transit or on your premises during business hours (limit £5,000)
	On your premises in a safe, out of business hours: limit £1,000 (greater limits are available)
	On your premises not in a safe, out of business hours (limit £500)
	In a private dwelling (limit £500)
	From vending machines (limit £300)
	Crossed cheques and other negotiables (limit £250,000)

Assault
Death or bodily injury to yourself or any of your employees as a result of robbery or hold-up in the course of the business:

	For death, loss of limbs or eyes (limit £10,000)
	For temporary total disablement (limit £100 per week for up to 104 weeks)
	Age limits 16 to 70
	In a private dwelling (limit £500)
	From vending machines (limit £300)
	Crossed cheques and other negotiables (limit £250,000)

Other Sections

	Computer Breakdown: include computer records, additional expenditure, incompatibility of computer records, additional rental
	Fidelity Guarantee: £5,000
	Laptop - All risks anywhere in the UK: £10,000
	Personal effects while at court - All risks anywhere in the UK: £500 per solicitor - £50 excess

Loss of Metered Water

Loss of metered water as a result of any accidental cause (limit £2,500)

Landscaped Gardens
and external patios/terraces

Restoring damage caused by the Emergency Service (limit £1,000)