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T&C's
Policy Wording
Summary of Cover

Terms and Conditions

Please read this carefully. By accessing The British Bodyguard Association website at www.the- bba.org.uk (the "website") you are agreeing to the terms that appear below. If you have any questions, please contact us through the ‘Contact Us’ page.
1. Introduction
2. Community Forums
3. No Warranties, Exclusion of Damages, Limitation of Liability and Exclusive
Remedy
4. Changes to these Terms
5. Advertising and Sponsorship
6. Choice of Law and Jurisdiction
7. General

1. Introduction

www.the-bba.org.uk is owned by British Bodyguard Association Corporate Ltd ("BBA"). As a user, you will be able to access material on all public areas of the Website. Certain areas of the Website are only open to you if you are a Member of the BBA. The BBA does not make any charge for you to access the Website. However, you should
be aware that your Internet Service Provider and/or telephone operator may charge you for time spent accessing the Website in the same way
that you are charged for making telephone calls. You should contact your operator if you require details of these charges.
There is no specific time limit applying to your access and use of the Website on these terms. However, the BBA reserves the right to suspend or terminate your access and use of the website at any time. It may exercise this right with or without notice. If applicable, notice will
be given to your e-mail address as notified to the BBA. In that event,
notice will be deemed to be served three hours after transmission or posting.
2. Community Forums The Website includes public and restricted- access forums that allow feedback to the BBA and interaction between users and BBA staff ("Forums"). While the BBA does not control the information/materials posted to Forums by users (the "Messages"), it reserves the right (which it may exercise at its sole discretion without notice) to delete, move or edit the Messages and to terminate your access to and use of the Forums and you waive any moral rights that you may have in regard to the Messages.
You are solely responsible for the content of your Messages. You must comply with any rules posted by the BBA on a Forum. You may not:
post, link to or otherwise publish any Messages containing any form of advertising or promotion for goods and services or any chain Messages or "spam";
post, link to or otherwise publish any Messages with recommendations to buy or refrain from buying a particular product or service or which
contain confidential information of another party;
post, link to or otherwise publish any Messages that are unlawful, threatening, abusive, libelous, indecent, infringe copyright or other rights of third parties or which contain any other form of illegal content;
post or otherwise publish any Messages that contain a virus or other harmful component;
disguise the origin of any Messages;
impersonate any person or entity (including BBA employees or Forum guests or hosts) or misrepresent any affiliation with any person or entity;
post or otherwise publish any Messages unrelated to the Forum or the
Forum's topic;
post or transmit any Messages that contain software viruses, files or code designed to interrupt, destroy or limit the functionality of the Website or any computer software or equipment;
collect or store other users' personal data;
restrict or inhibit any other user from using the Forums.
By submitting messages to any Forum you agree to indemnify and hold harmless the BBA from all claims, costs and expenses (including legal expenses) arising out of any Messages posted or published by you that are in breach of this section. The Forums contain Messages submitted by users over whom the BBA has no control. The BBA cannot guarantee the accuracy, integrity or quality of any Messages. Some users may breach these terms and post Messages that are misleading, untrue or offensive. You must bear all risk associated with your use of the Forum and should not rely on Messages in making (or refraining from making) any specific decisions.
BBA staff (who will be clearly identified as such) will also contribute material to the Forums in order to stimulate discussions and ensure the smooth running of the Forums. The Forums may also contain
messages from special guests selected by the BBA. The opinions of those BBA staff and special guests are their own and are not
necessarily endorsed by the BBA.
By submitting Messages to any Forums you are granting the BBA a perpetual royalty free non-exclusive licence to reproduce, modify, translate, make available, distribute and sub-license the Message in whole or in part and in any form. This may include personal information such as your user name and alias and your expressions of opinion.
The BBA reserves the right to contact you by e-mail with regard to your use of the Forums.
It is not possible for the BBA to fully and effectively monitor when Messages infringe the copyright of a third party or other third party rights. If you believe that a Message infringes any legal rights that you may have, you should notify the BBA immediately by contacting info
3. NO WARRANTIES, EXCLUSION OF DAMAGES, LIMITATION OF LIABILITY AND EXCLUSIVE REMEDY
The Content is only for your general information and use and is not
intended to address your particular requirements. In particular, the Content does not constitute any form of advice, recommendation or arrangement by the BBA and is not intended to be relied upon by users in making (or refraining from making) any specific investment or other decisions. Appropriate independent advice should be obtained before making any such decision. Any arrangements made between you and any third party named on this Website are at your sole risk and responsibility.
4. Changes to these Terms
The BBA reserves the right, at its discretion, to make changes to any part of the Website and its related services. Due to its policy of updating and improving the Website, the BBA may wish to change these Terms, and will do so without notice.
5. Advertising and Sponsorship
Part of the Website or related services may contain advertising and sponsorship. Advertisers and sponsors are responsible for ensuring that material submitted for inclusion on the Website complies with international and national law. The BBA will not be responsible for any error or inaccuracy in advertising or sponsorship material.
6. Choice of Law and Jurisdiction
These Terms shall be governed by, and construed in accordance with, English law.
The parties irrevocably agree that the courts of England shall (subject
to the paragraph below) have exclusive jurisdiction to settle any dispute which may arise out of, under, or in connection with these Terms or the
legal relationship established by them, and for those purposes
irrevocably submit all disputes to the jurisdiction of the English courts.
For the exclusive benefit of the BBA, the BBA shall retain the right to bring proceedings as to the substance of the matter in the courts of the
country of your residence or, where these Terms are entered into in the course of your trade or profession, the country of your principal place of business.

7. General

You may not assign, sub-license or otherwise transfer any of your rights under these Terms.
If any provision of these Terms is found to be invalid by any court having competent jurisdiction, the invalidity of that provision will not affect the validity of the remaining provisions of these Terms, which shall remain in full force and effect.
Failure by either party to exercise any right or remedy under these Terms does not constitute a waiver of that right or remedy. Headings in these Terms are for convenience only and will have no legal meaning
or effect.

British Bodyguard Association Membership: Terms and conditions

1) BBA ‘Protect’ Membership - General

The benefits of any insurance policy arranged on behalf of ‘Protect’ members by the British

Bodyguard Association only apply subject to:

(a) The full terms and conditions of that policy (which can be inspected at www.the- bba.org.uk/Protect-Policy ), and

(b) strict compliance with the terms for payment of subscriptions as follows:

(Monthly pre-authorised agreement Only– via Paypal. Recurring monthly, the first payment shall be £60, which will be followed by a further 11 payments of £60

All payments are to be in advance and as such defaulting on any payment will invalidate the benefits provided by the Protect membership category from immediate effect

(c) Monthly – Payments are divided over 12 months and installments must be paid by the agreed pre-authorisation, recurring payment agreement. In the event that the subscriptions are not received in full by midnight on the date due, this membership and all benefits will cease from immediate effect.

2) Assignment

Membership or any rights under it cannot be assigned.

3) Cancellation

Membership may be cancelled

a) by the association:

i) in the event of non-payment of subscriptions, by informing the member through a viable means of communication which may be either written notice by recorded delivery to the last known address of the member, by Email to the last known Email address of the member or both. In the event that the subscriptions are not received in full by midnight on the date due, this membership and all benefits will cease from immediate effect.

ii) with immediate effect if it is deemed that the member has knowingly broken the conditions of membership or has knowingly brought the reputation of the association into disrepute. Confirmation of this shall be delivered via written notice by recorded delivery to the last known address of the member, by Email to the last known Email address of the member or both.

iii) for any other reason, by sending 30 (thirty) days’ written notice by either recorded delivery to the last known address of the member or by electronic mail to the last known email address of the member or both.

In circumstance iii) above, the member will not be entitled to a refund

b) by the member

cancelling the pre-arranged monthly recurring payment agreement at any time by contacting the bank or building society. If this is by phone or internet, written confirmation may be required. You should also notify the BBA . Monthly membership subscriptions are paid in advance and collected via pre-arranged, monthly recurring payment agreement & Non-refundable once collected.

4) Changes to membership

The benefits of membership to the British Bodyguard Association may change at any time and without notice.

5) Confidentiality

The member shall not disclose any information considered to be a member only benefit to any third party, this includes, but is not limited to; job vacancy listings, personal information of other members, digital or physical intellectual property belonging to the association, any web based text or imagery without first obtaining written consent from the association.

6) Declarations & Material Facts

The member shall provide to the association:

1. all information and facts that may affect enrolment to the association, which may include but not limited to:

i) Details of any criminal convictions both current and spent.

ii) inclusion on the sex offenders register refusal or non-acceptance of inclusion by any security industry regulatory body.

iii) having engaged in any form of mercenary work.

iv) been part of a group which has colluded to overthrow a government or orchestrate a military coup.

v) have planned to, or engaged in any act of terrorism, or have been aligned to any grouping with terrorist links.

vi) by enrolment you are confirming you are a UK Resident

vii) accepting the ‘membership’ benefits & limitations & have read the ‘summary of cover’ & ‘policy wording’.

viii) confirming you do not have any previous or ongoing claims or legal action against you or investigations and have made the association aware of any situation which may arise to regulatory breach or disciplinary and or legal action.

ix) Any other information that the association may reasonably require both at the time of enrolment and for the period of duration of membership.

7) Non-Disclosure

Inclusion for the member within the association under these terms and conditions shall be voidable in the event of misrepresentation, misdescription or non-disclosure of any information supplied on or in connection with the application.

BRITISH BODYGUARD ASSOCIATION

Policy Wording

This policy and the schedule have been prepared in accordance with the insured's instructions.

The insured is required to read it carefully to ensure that it meets with its requirements.

Immediate notice is required by the underwriter of any changes which may affect the insurance provided by the policy. Alterations to this insurance, required after the issue of the policy and the schedule, will be made by issuing

endorsements and if necessary a revised schedule in substitution for the original schedule.

The underwriter and the insured agree that:

i) this policy, the schedule (including any schedule issued in substitution) and any endorsements shall be considered as one document; and

ii) the underwriter will provide the insurance described in this policy, subject to its terms and conditions, for the period of insurance shown in the schedule and any subsequent period for which the insured shall pay and the underwriter shall agree to accept the premium.

Martin Hudson

Director of Underwriting

Signed

For and on behalf of Mitsui Sumitomo Insurance Underwriting at Lloyd’s (Managing Agent of Syndicate 3210)

Page 2 of 30

POLICY CONTENTS

GENERAL POLICY DEFINITIONS ............................................................................................................................................................ SECTION A – LEGAL LIABILITIES

SCHEDULE

SPECIFIC DEFINITIONS ......................................................................................................................................................... SUB-SECTION 1 - PROFESSIONAL ADVICE (PROFESSIONAL INDEMNITY) ..................................................................... SUB-SECTION 2 - PROFESSIONAL SERVICES (PUBLIC LIABILITY).................................................................................. SUB-SECTION 3 - PRODUCTS LIABILITY.............................................................................................................................

SECTION A EXTENSIONS...................................................................................................................................................... SECTION A EXCLUSIONS .................................................................................................................................................... SECTION A CONDITIONS ......................................................................................................................................................

SECTION B – PERSONAL ACCIDENT

SCHEDULE

SPECIFIC DEFINITIONS ......................................................................................................................................................... SUB-SECTION 1 - PERSONAL ACCIDENT ...........................................................................................................................

GENERAL POLICY CONDITIONS............................................................................................................................................................. GENERAL CLAIMS CONDITIONS ............................................................................................................................................................

Page 3 of 30

GENERAL POLICY DEFINITIONS

A defined word, term or phrase will be shown in bold each time it appears in the policy except where incorporated in headings and titles.
Each time one of the following defined words, terms or phrases is used, it will have the same meaning wherever it appears in the policy
whether expressed in the singular or the plural, male, female or neutral, unless an alternative definition is stated to apply.

1) business

The business activities of the insured which shall be close protection advice and close protection services.

2) close protection advice

The provision of advice, designs, directions, plans or specifications to a third party for a fee in connection with close protection services where no additional service is provided by the insured, or on behalf of the insured in connection with such advice, design, plan or specification.

3) close protection services

The provision of close protection services to a third party, including security advice and monitoring, surveillance, threat assessment and management, contingency and disaster planning, screening and background checks and security training.
Close protection services do not include the provision of, or management of, or supervision of security guards or other personnel that provide physical security or access control for any premises other than where the insured is responsible for the management of and/or control of and/or supervision of a residential security team.

4) employee

a) Any person under a contract of service or apprenticeship with the insured; and
b) persons engaged by the insured under work experience, training, study or similar schemes; and
c) any person determined to be an employee of a insured by a Court situated in the United Kingdom
whilst employed by or engaged by the insured and under the control of such insured in connection with the business.

5) endorsement

Any amendments to the wording attaching to and forming part of this policy.

6) insured British Bodyguard Association

7) offshore

From the time of embarkation onshore onto a conveyance at the point of final departure to an offshore rig, offshore platform, or support or accommodation vessel, until disembarkation onshore from a conveyance from such offshore rig, offshore platform or support or accommodation vessel

8) period of insurance

The period stated in the schedule.

9) policy

a) all terms conditions, exclusions, extensions and the schedule comprising this document; and
b) all other schedules, notices, appendices, subjectivity notices and other documents agreed by the underwriters and the

insured attaching from time to time; and

c) all endorsements for incorporation in this document,
all of which shall be read together and constitute the contract of insurance between the underwriters and the insured.

Page 4 of 30

10) proposal

Any information provided by the insured or the insured’s broker or agent on behalf of such insured in connection with this insurance.

11) residential security team

A team of no more than ten (10) people (excluding the insured managing/supervising/controlling the team) assigned to manage the security of a client’s permanent or temporary place of residence.

12) schedule

The schedule of insurance attaching to and forming part of this policy together with any renewal schedule.

13) territorial limits

The territorial limits stated in the schedule.

14) terrorism

Any act including, but not limited to, the use of force or violence or the threat thereof of any person or group of persons whether acting alone or on behalf of or in connection with any organisation or government committed for political, religious, ideological or similar purposes including the intention to influence any government and/or to put the public or any section of the public in fear.

15) toxic mould

Fungi including but not limited to, any form or type of mould, mildew, mushroom, yeast or bio-contaminant and/or spore including but not limited to any substance produced by, emanating from, or arising out of any fungi.

16) United Kingdom

Great Britain, Northern Ireland and for the purposes of this policy, also including the Channel Islands and the Isle of Man

17) war

War, invasion, act of foreign enemy, hostilities or warlike operations (whether war be declared or not) civil war, rebellion, revolution, insurrection or military or usurped power.

18) underwriters

Mitsui Sumitomo Insurance Underwriting at Lloyd's Limited (Managing Agent of Syndicate 3210)

Page 5 of 30

Section A – Legal Liabilities

Page 6 of 30

SECTION A – LEGAL LIABILITIES

BRITISH BODYGUARD ASSOCIATION SECTION A - LEGAL LIABILITIES SCHEDULE

Policy Number: LM1400645

Insured: British Bodyguard Association

Business: The business activities of any insured which shall be close protection advice and

close protection services

Period of Insurance: From: 1st May 2014

To: 30th April 2015

Both days inclusive local standard time at the Principal Address of the Insured stated above

Limit of Indemnity:

Insuring Clause 1 Limit of Indemnity for close protection advice

GBP 1,000,000 any one claim and in the aggregate for all claims made and notified during the Period of Insurance, inclusive of defence costs

Insuring Clause 2 Limit of Indemnity for close protection services

GBP 2,000,000 any one occurrence, defence costs in addition

Insuring Clause 3 Limit of Indemnity for products

GBP 2,000,000 any one occurrence and in the aggregate for all occurrences

during the Period of Insurance, defence costs in addition

Excesses:

Insuring Clause 1 Excess for professional security advice

Nil

Insuring Clause 2 Excess for professional security services

Nil

Insuring Clause 3 Excess for products

Nil

Territorial Limits: Worldwide excluding the USA, Canada and the following territories:- Afghanistan, Algeria, Central African Republic, Chad, Chechnya, Democratic Republic of Congo, Eritrea, Guinea, Iran, Iraq, Israel, Ivory Coast, Libya, Nigeria, North Korea, Pakistan, Somalia, Sudan, Syria, Yemen

Jurisdiction: United Kingdom

Retroactive Date:

Page 7 of 30

SECTION A – LEGAL LIABILITIES

SECTION A – SPECIFIC DEFINITIONS

The following definitions shall apply to Section A of the policy only and are in addition to the General Policy Definitions at the front of this policy.

1) airside liability

Liability in connection with any area of airport premises which has restricted rights of access, including manoeuvring areas, aprons, taxiways, runways and service roads, which are directly associated therewith.

2) claim

a) The receipt by the insured of any written or verbal notice of demand for compensation made by a third party against the

insured;

b) Any writ, statement of claim, claim form, summons, application or other originating legal or arbitral process, cross-claim, counterclaim or third or similar party notice served upon the insured;
c) Communication invoking any pre-action protocol;
d) Any notice of intention, whether orally or in writing, to commence legal proceedings against the insured.

3) defence costs

Reasonable legal costs and legal expenses incurred by the insured or on behalf of any insured with our prior written and continuing consent in relation to the investigation and defence of any claim which, if proven, would be the subject of an indemnity under this Section of the policy, including any appeal issued in connection with a claim.
Defence costs shall not include the costs and expenses, salaries or remuneration of the insured or for any employees or any other internal expenses, overheads, fees or benefit of the insured.

4) damage

Direct physical loss or direct physical destruction or direct physical damage to material property.

5) documents

All documents directly connected with the business whether kept in paper, magnetic or electronic form belonging to the insured or for which the insured is legally responsible whilst in the insured’s custody, in the ordinary course of the business.
Documents shall not include stamps, currency, coins, bank notes and bullion, travellers’ cheques, cheques, postal orders, money orders, securities and any other negotiable instrument.

6) excess

The amount stated in the schedule as the first amount of any claim before which the underwriters shall be liable to make any payment under the policy and such amount shall be inclusive of all defence costs as specified in Sub-Sections 1, 2 and 3 of Section A of this policy.
The full limit of indemnity will apply over and above the excess.
(For the purpose of clarity, where the underwriters have paid part or all of the excess on behalf of the insured, the insured shall reimburse the underwriters immediately upon request).

7) injury

Bodily injury, death, disease and illness which shall include psychiatric illness.

8) limit of indemnity

Page 8 of 30

SECTION A – LEGAL LIABILITIES

The amount stated in the schedule for each Insuring Clause or Sub-Section Extension, being the maximum amount the

underwriters will pay under that Insuring Clause or Sub-Section Extension.

9) occurrence

One event or series of events attributable to an originating source or cause.

10) principal

Any party, other than a director, partner or employee of the insured, with whom the insured has entered into a contract in the course of the business, but only to the extent that the contract between the principal and the insured requires these additional parties to be indemnified in a like manner to the insured.

11) pollution

Discharge, dispersal, seepage, migration, release or escape of any solid, liquid, gaseous or thermal irritant or contaminant, including smoke, vapour, soot, fumes, acids, alkalis, chemicals and waste into or upon land or any structure on land, the atmosphere or any ground water, surface water or coastal waters.

12) pollution incident

Sudden, identifiable unexpected and unintended pollution that takes place in its entirety at a specific time and place during the

period of insurance.

13) products

Goods or products (after they have ceased to be in the insured’s possession or under the insured’s control) manufactured, constructed, altered, repaired, serviced, treated, sold, supplied, or distributed by the insured, (including containers, labelling or instructions for use provided in connection therewith) and including any structure constructed, erected or installed or any contract works executed by the insured or on the insured’s behalf, in the course of the business.

14) Retroactive Date

The Inception Date of this policy or any other date as agreed by the underwriters.

Page 9 of 30

SECTION A – LEGAL LIABILITIES

SUB-SECTION 1 - PROFESSIONAL ADVICE (PROFESSIONAL INDEMNITY)

INSURING CLAUSE

The underwriters shall, subject to the terms, conditions, exclusions, extensions and endorsements contained in this policy, indemnify the insured in respect of damages and claimants costs for which the insured shall become legally liable to pay in connection with any claim first made against insured and notified to the underwriters during the period of insurance, within the territorial limits, arising out of any negligent act, negligent error or negligent omission in the provision of close protection advice.

EXCLUSIONS - SUB-SECTION 1

The indemnity provided by this Sub-Section shall not apply to:

1) Insolvency and Insurance

any claim directly or indirectly caused by or contributed to by, or arising from:
a) insolvency or bankruptcy of the insured or that of any supplier to or licensor to the insured; or b) any failure to maintain or obtain adequate insurance or finance; or
c) any lost profit, any mark up, any VAT or similar tax.

2) Joint Ventures and Consortia

any joint venture or consortium of which the insured is a member unless otherwise agreed in writing by the underwriters

3) Known Claims and Circumstances

a) any claim which has been or ought to have been notified under any other policy of insurance in force prior to the retroactive date; or
b) any claim which is based upon, arising from or in consequence of:
i) any circumstance if written notice of such circumstance has been or ought to have been given under any other policy; or ii) any circumstance of which the member was actually aware or ought reasonably have been known to the insured prior
to the retroactive date.

4) Products

any claim arising from products.

5) Retroactive Date

any act, error or omission committed prior to the retroactive date.

6) Trading Debts

any claim directly or indirectly caused by or contributed to by, or arising from:
a) any trading loss or trading liability incurred by the insured or any business managed or carried on by or on behalf of the

insured (including the loss of any client account or business)

b) the actual or alleged overcharging or improper receipt of fees by the insured or any business managed or carried on by the

insured

Page 10 of 30

SECTION A – LEGAL LIABILITIES

SUB-SECTION 2 - PROFESSIONAL SERVICES (PUBLIC LIABILITY)

INSURING CLAUSE

The underwriters shall, subject to the terms, conditions, exclusions, extensions and endorsements contained in this policy, indemnify the insured in respect of damages and claimants costs for which the insured shall become legally liable to pay In connection with any claim for injury or damage occurring during the period of insurance, within the territorial limits, in connection with the provision of close protection services.

EXCLUSIONS - SUB-SECTION 2

The indemnity provided by this policy shall not apply to:

1. Property

a) any claim directly or indirectly caused by contributed by or arising from damage to any property which, at the time of the

occurrence giving rise to such claim, is owned by or held in trust by or in the custody or control of the insured other than:

i) premises, including fixtures, fittings and contents not owned by or leased to or rented to the insured, where the insured
is undertaking work in connection with the business; or
ii) premises and their fixtures and fittings, hired, leased, rented or lent to the insured other than damage in circumstances where liability is assumed by the insured under a tenancy or other agreement and would not have attached in the absence of such agreement; or
b) damage to that part of any property on which the insured or any servant or agent of the insured is or has been working.

2. Products

any claim arising from products.

EXTENSION - SUB-SECTION 2

Defective Premises Act

The underwriters shall indemnify the insured in respect of any liability which the insured as previous owners may incur, by virtue of the Defective Premises Act 1972 or the Defective Premises Measure (Northern Ireland) Order 1975 in connection with any premises which have been disposed of by the insured and which prior to such disposal, were occupied by the insured in connection with the business.
Provided always that no indemnity shall be afforded in respect of:
a) any claim directly or indirectly caused by contributed by or arising from of any incident happening prior to such disposal; and
b) the cost of repairing, replacing or reinstating any defect giving rise to such liability, of for the rectification of faulty workmanship.

Page 11 of 30

SECTION A – LEGAL LIABILITIES

SUB-SECTION 3 - PRODUCTS

INSURING CLAUSE

The underwriters shall, subject to the terms, conditions, exclusions, extensions and endorsements contained in this policy, indemnify the insured in respect of damages and claimants costs for which the insured shall become legally liable to pay in connection with any claim for injury or damage occurring during the period of insurance, within the territorial limits, in connection with the business and caused by products.

EXCLUSIONS - SUB-SECTION 3

The indemnity provided by this policy shall not apply to:

1. Avionics / Marine

any claim directly or indirectly caused by or contributed to by, or arising from products (including hardware, software, firmware and cabling) or electronic equipment used in connection with:

a) the safety, communications, navigation, control of flight or maintenance of orbit of any aircraft, spacecraft or other aerial device; or.

b) the safety, communication, navigation or propulsion of any hovercraft or watercraft.

2. Damage to Products

any claim directly or indirectly caused by contributed to by, or arising from damage to any products caused by any defect therein or the unsuitability thereof for their intended purpose.

3. Product Repair, Replacement or Recall

any costs and/or expenses in relation to the repair of or recall of, or the provision of any refund in respect of products.

4. US Product Sales

any claim directly or indirectly caused by contributed to by or arising from products or services which to the knowledge of the insured are sold, supplied, erected, repaired, altered, treated or installed by such insured, in or for delivery or use in the United States of America or Canada.

Page 12 of 30

SECTION A – LEGAL LIABILITIES

SECTION A EXTENSIONS

The following Extensions shall apply to Section A of this policy.

1) Indemnity for Costs

The underwriters shall, subject to the terms, conditions, exclusions, extensions and endorsements contained in this policy, indemnify the insured in respect of:
a) all defence costs incurred in connection with Section A of this policy; other than Prosecution Defence Costs, where specific cover is given under Extensions 3 and 4 below to Section A.; and
b) all reasonable legal costs and expenses incurred with our prior written consent for representation of the insured at: (i) any Coroner’s Inquest or Fatal Accident Inquiry in respect of any death; or
(ii) proceedings in any court of summary jurisdiction arising out of any alleged breach of statutory duty resulting in injury.

2) Indemnity to Principals

Notwithstanding Exclusion 3 (Contractual Liability), to the extent that any contract or agreement entered into by the insured with any principal so requires, the underwriters shall, subject to the limit of indemnity:
a) indemnify the insured in respect of liability which the insured have assumed; and
b) indemnify the principal in like manner to the insured in respect of the liability of the principal arising out of the insured’s
performance of such contract or agreement. Provided always that:
i) the conduct and control of claims is vested in the underwriters and
ii) the principal shall observe, fulfil and be subject to the terms, exclusions, conditions and endorsements of this policy;
iii) Indemnity to any principal shall only apply in respect of any claim for which indemnity would otherwise have been provided hereunder if the claim had been made directly against the insured.

3) Prosecution Defence Costs arising under the Corporate Manslaughter and Corporate Homicide Act 2007

The underwriters shall indemnify the insured, in respect of defence costs incurred solely for the conduct of the defence of the insured resulting from a prosecution of an alleged offence under the Corporate Manslaughter and Corporate Homicide Act 2007 (including an appeal against conviction).
Provided always that:
a) notice of any prosecution under the Act is received during the period of insurance and the said offence alleges breach of a relevant duty of care in relation to the business and where the circumstances of the alleged offence may be the subject of indemnity under Sub-Sections 2 and 3 of Section A of this policy; and
b) no indemnity shall be afforded in respect of any fine or penalty; and
c) the limit of indemnity under this Extension is GBP5,000,000 and is the maximum amount the underwriters will pay in respect of any one prosecution or all prosecutions during any one period of insurance

Page 13 of 30

SECTION A – LEGAL LIABILITIES

4) Other Prosecution Defence Costs

The underwriters shall indemnify the insured in respect of:
a) costs and expenses incurred with the insured’s prior written consent; and b) costs and expenses awarded against either the insured or any employee
in connection with a prosecution (including an appeal against conviction resulting from a prosecution), as a result of an alleged offence under any legislation in the United Kingdom (including Health and Safety at Work Act 1974; Consumer Protection Act
1987; Food Safety Act 1990, but not arising under the Corporate Manslaughter and Corporate Homicide Act 2007), giving rise to duties in relation to the business, where the circumstances of the alleged offence may be the subject of indemnity under this
section of the policy.
Provided always that:
i) notice of any prosecution is received during the period of insurance and the said offence alleges breach of a relevant duty of care in relation to the business and where the circumstances of the alleged offence may be the subject of indemnity under this Section of policy; and
ii) no indemnity shall be afforded in respect of any fine or penalty; and
iii) no indemnity shall be afforded where the prosecution results from a deliberate decision act or omission

5) Sudden and Accidental Pollution

Notwithstanding Section A Exclusion 10) (Pollution), the underwriters shall indemnify the insured in respect of damages and claimants costs arising out of any claim for injury or damage caused solely by a pollution incident.
Provided always that:
a) all pollution, which arises out of any one pollution incident, shall be deemed to have occurred at the time such incident takes place; and
b) the underwriters shall not indemnify the insured under this Extension in respect of any liability directly or indirectly caused by contributed by or arising from pollution happening anywhere in United States of America or Canada or any territory within their jurisdictions.
The maximum amount payable by the underwriters under this extension of cover shall be the limit of indemnity and nothing in this clause shall increase the underwriters’ liability to pay any amount in excess of such limit of indemnity.

Page 14 of 30

SECTION A – LEGAL LIABILITIES

LIMITS OF INDEMNITY

1) In respect of claims arising out of close protection advice, the maximum amount payable by the underwriters shall not exceed the limit of indemnity for any one claim and all claims made during any one period of insurance. The limit of indemnity shall be inclusive of all defence costs.
2) In respect of claims arising out of close protection services, the maximum amount payable by the underwriters shall not exceed the limit of indemnity any one occurrence. Defence costs shall be in addition to the limit of indemnity.
3) In respect of all claims arising out of products, the maximum amount payable by the underwriters shall not exceed the limit of indemnity any one occurrence and in the aggregate for all occurrences during any one period of insurance. Defence costs shall be in addition to the limit of indemnity.
4) All parties indemnified under this policy shall be treated as one party or single legal entity so that there will only be two parties to the contract of insurance, namely the underwriters and the insured.

SECTION A - EXCLUSIONS

The following Exclusions shall apply to Section A

The indemnity provided by this policy shall not apply to:

1) Airside Liability

any claim directly or indirectly caused by contributed by or arising from airside liability.

2) Asbestos

any claim directly or indirectly caused by or contributed to by, or arising from asbestos or any material containing asbestos in whatever form or quantity.

3) Contractual Liability

any liability or obligation assumed by the insured under the terms of a contract agreement or warranty unless the insured would have been liable to the same extent in the absence of such contract agreement or warranty.

4) Deliberate Acts

any claim directly or indirectly caused by or contributed to or arising from a wilful breach of or in reckless disregard of any statute, regulation, contract or duty.

5) Directors & Officers

any claim made against any of director, trustee or officer of the insured arising from any unlawful or negligent act, error or omission, actual or alleged breach of trust, breach of warranty of authority, or breach of duty committed or attempted by such director or officer where such claim is made solely by reason of his holding the position of director or officer and having acted in that capacity, including but not limited to any claim arising from any statement, representation or information regarding the business contained within any accounts, reports or financial statements.

6) Employment Liability

any claim directly or indirectly caused by or contributed to by, or arising from:
a) injury to any employee
b) any breach of any contract of service or of any obligation owed by or any liability the insured may have as an employer or potential employer to any employee or prospective employee; or
c) any wrongful or unfair dismissal, denial of natural justice, defamation, misleading representation or advertising, harassment or discrimination (sexual or otherwise) in respect of employment by the insured.

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SECTION A – LEGAL LIABILITIES

7) Fines & Penalties

any fine or penalty or any liquidated, punitive, exemplary, non-compensatory, multiple, restitutionary or aggravated damages (other than exemplary damages in respect of libel or slander), any additional damages under section 97(2) of the Copyright, Design and Patents Act 1988 or any successor to that section or any claim deemed uninsurable by law.

8) Jurisdiction

a) legal proceedings brought in a Court of Law outside the Jurisdiction stated in the schedule or brought in a Court of Law within that
Jurisdiction to enforce a judgment or order made in any Court of Law outside the Jurisdiction; or
b) any claim directly or indirectly caused by or contributed to by or arising from business undertaken outside the territorial limits.

9) Nuclear Risks

any claim directly or indirectly caused by or contributed to or arising from:
a) ionising radiation or contamination by radioactivity from any nuclear fuel or from any nuclear waste from the combustion of nuclear fuel;
b) the radioactive toxic explosive or other hazardous properties of any explosive nuclear assembly or nuclear component

10) Pollution

any claim directly or indirectly caused by or contributed to by, or arising from pollution other than as provided for under Extension
5 (Sudden and Accidental Pollution) to Sub-Sections 2 and 3.

11) Restricted rights of recovery

any claim directly or indirectly caused by or contributed to by, or arising from an agreement to exclude or limit the insured’s rights of recovery against any other party unless such agreement has been approved in writing by the underwriters.

12) United States of America and/or Canada

a) any legal proceedings brought against the insured in the courts of the United States of America and/or Canada and/or any territories which come within the jurisdiction of the United States of America and/or Canada or elsewhere under the laws of those countries, or any arbitration or other award entered against the insured under the laws of those countries
b) any judgment or order wherever obtained for the enforcement of any judgment of the courts of the United States of America or
Canada or under the laws of those countries (whether by way of reciprocal agreements or otherwise), or for the enforcement of any arbitration or other award entered against the insured under the laws of those countries.

13) Vehicles

any claim directly or indirectly caused by contributed to or arising from the ownership possession or use of any:
a) mechanically propelled vehicle or mobile plant; or b) aircraft or aerospatial device; or
c) hovercraft or hydrofoil; or d) water-borne craft

14) War and Terrorism

any of the following regardless of any other cause or event contributing concurrently or in any other sequence to the loss:
a) war; or
b) terrorism
This exclusion also excludes loss, damage, cost or expense of any nature whatsoever directly or indirectly caused by, resulting from or in connection with any action taken in controlling, preventing, suppressing or in any way relating to the above.
If we allege that by reason of this exclusion, any loss, damage, cost or expense is not covered by this policy the burden of proving the contrary shall be upon the member requesting indemnity.

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SECTION A – LEGAL LIABILITIES

SECTION A – SPECIFIC CONDITION

The following condition applies only in respect of Section A of this policy and is in addition to those set out in General Policy Conditions

1) Interlocking Clause

No request for indemnity shall be made under more than one Insuring Clause in respect of any one claim, loss or occurrence. Furthermore, it is agreed that if, in the event any claim, loss or occurrence, indemnity may be afforded by more than one Insuring
Clause in respect of such claim or occurrence, the only right to indemnity shall be under that Insuring Clause with the highest remaining limit of indemnity and not under multiple Insuring Clause.

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Section B – Personal Accident

SECTION B – PERSONAL ACCIDENT

BRITISH BODYGUARD ASSOCIATION SECTION B - PERSONAL ACCIDENT

SCHEDULE

Policy Number: LM1400645

Insured: British Bodyguard Association

Effective Date:

01/05/2014

(Greenwich Mean Time)

Expiry Date:

30/04/2015

(Greenwich Mean Time)

(both dates inclusive and any subsequent period for which a premium is accepted by the underwriter)

SUB-SECTION 1 - PERSONAL ACCIDENT

Insured: Any insured who is resident in the united kingdom

Personal Accident Operative Time: Whilst in pursuit of normal occupation arising from close protection advice or close protection services of the insured, or whilst travelling directly between residence and place of employment during the period of insurance

Maximum Policy Limits Personal Accident Any One Occurrence and Any One Person

Maximum Policy Limit Any One Occurrence

£1,000,000

Multi-Engined Aircraft

£500,000

Any other form of Aerial Transport

£200,000

Benefit per member

Sum insured

1. Accidental Death

£100,000

2. Loss of Limb(s) (one or more) and/or Loss of Sight (in one or both eyes)

£100,000

3. Permanent Total Disablement

£100,000

4. Total Loss of Hearing

a) in both ears b) in one ear

£100,000

25% of £100,000

5. Total Loss of Speech

£100,000

6. Permanent Partial Disablement

£100,000

7. Temporary Total Disablement

Benefit Period

Deferment Period

Up to £750 per week or 75% gross

weekly wage (whichever is the

lesser)

52 weeks

14 days

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SECTION B – PERSONAL ACCIDENT

SECTION B – SPECIFIC DEFINITIONS

The following definitions shall apply to Section B – Personal Accident of this policy and are in addition to those stated as General Policy

Definitions at the front of this policy.

1) accident

A sudden, unforeseen and fortuitous identifiable event and the word accidental shall be construed accordingly.

2) benefit period

The maximum period of temporary disablement, (not necessarily consecutive), in respect of any one accident, for which a benefit may be payable.

3) bodily injury

Injury which is caused solely by accidental means and which solely and independently of any other cause results directly in the

insured’s death or disablement within twenty-four calendar months from the date of the accident.

4) deferment period

A period at the beginning of a period of temporary disablement in respect of any one accident during which a benefit is not payable.

5) disturbed area

A country or a region of a country that the underwriters have defined as a disturbed area:
Afghanistan, Algeria, Central African Republic, Chad, Chechnya, Democratic Republic of Congo, Eritrea, Guinea, Iran, Iraq, Israel, Ivory Coast, Libya, Nigeria, North Korea, Pakistan, Somalia, Sudan, Syria, Yemen.

6) gross weekly wage

The gross weekly wage will the insured’s average weekly wage in connection with close protection professional security advice or close protection professional security services based upon the thirteen (13) weeks immediately preceding the date of the bodily injury and information for this calculation must be provided by the insured upon request. Failure to provide full information could affect the amount of benefit payable. Gross weekly wage shall be deemed to include wages, dividends and expenses for the purposes of this calculation.

7) hijack

The unlawful seizure or control of an aircraft or conveyance (or the crew thereof) in which the insured is travelling as a fare paying passenger.

8) limit

The amount stated in Personal Accident schedule being the total amount payable by the underwriters in respect of any one

insured

9) loss of limb(s)

a) in the case of a leg, loss by physical severance at or above the ankle or permanent and total use of an entire leg or foot; or b) in the case of an arm physical severance of all four fingers of one hand through or above the meta carpo phalangeal joints
(where the fingers join the palm of the hand) or permanent and total use of an entire arm or hand.

10) loss of sight

shall be deemed to have occurred:
a) in both eyes once the insured’s name has been added to the Register of Blind Persons on the authority of a fully qualified ophthalmic specialist and the underwriters are satisfied that the condition is permanent and without expectation of recovery; or
b) in one eye when the degree of sight remaining after correction is 3/60 or less on the Snellen Scale (meaning seeing at three feet that which the insured should see at sixty feet) and the underwriters are satisfied that the condition is permanent and without expectation of recovery.

11) loss of speech

the total and irrecoverable loss of use of the power of audible and intelligible speech.

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SECTION B – PERSONAL ACCIDENT

12) loss of hearing

the total and irrecoverable loss of hearing.

13) occurrence

One event or series of events attributable to an originating source or cause.

14) personal accident operative time

Whilst in pursuit of normal occupation arising from close protection professional security advice or close protection professional security services of the insured, or whilst travelling directly between residence and place of employment during the period of insurance.

15) permanent partial disablement

Disablement which, in our opinion, will in all probability exist for the remainder of the insured’s life, other than from loss of hearing, loss of limb(s), loss of sight, loss of speech or permanent total disablement and, without reference to the insured’s occupation, the benefit payable shall be assessed in accordance with the relevant percentage (shown in the Scale of Benefits below) of the sums insured shown in Personal Accident schedule:
Scale of Benefits
I. Loss of one joint of thumb of either hand 30% II. Loss of more than one joint of thumb of either hand 30% III. Loss of one joint of forefinger 20% IV. Loss of more than one joint of forefinger 20% V. Loss of one joint of any other finger 10% VI. Loss of more than one joint of any other finger 10% VII. Loss of both joints of one big toe 15% VIII Loss of one joint of one big toe 15% IX. Loss of both joints of any other toe 5% X. Loss of one joint of any other toe 2% XI. Permanent total loss of use of shoulder or elbow 25% XII Permanent total loss of use of wrist, hip, knee or ankle 20% XIII Removal by surgical operation of lower jaw 30%
If the insured sustains disablement, which is not shown in the permanent partial disablement Scale of Benefits, the benefit payable shall be calculated by assessing the degree of disability relative to the Scale of Benefits, without reference to the insured’s occupation

16) permanent total disablement

Disablement which in the opinion of a qualified medical practitioner, will in all probability entirely prevent the insured from engaging in the insured’s usual occupation for the remainder of the insured’s life.

17) residence

The place where the insured permanently resides.

18) sum insured

The amount of benefit per insured stated in the schedule.

19) temporary total disablement

Temporary disablement which entirely prevents the insured from engaging in the insured’s usual occupation.

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SECTION B – PERSONAL ACCIDENT

SUB-SECTION 1 – PERSONAL ACCIDENT

INSURING CLAUSE

If within the Personal Accident Operative Time insured sustains bodily injury, the underwriters shall pay a benefit to the insured in accordance with the sums insured shown in Personal Accident schedule, subject to any maximum sum insured.

EXTENSIONS – SECTION B

1) Disappearance

If within the personal accident operative time, the insured disappears and after a period of 12 (twelve) calendar months has elapsed it is reasonable for the police or registration authorities to believe that the insured has sustained bodily injury resulting in death, the underwriters shall pay a benefit to the insured in accordance with the appropriate sum insured shown in Personal Accident schedule, provided that the executors of the insured ’s estate provide a signed undertaking that if the belief is subsequently found to be incorrect, such death benefit shall be refunded to the underwriters.

2) Hijack

If within the personal accident operative time, the insured is the victim of a Hijack or, any attempt of Hijack, cover shall remain in force for a period not exceeding twelve (12) months from the date of the Hijack.

CONDITIONS – SECTION B

In addition to the General Policy Conditions, the following Conditions shall apply:

1) A claim shall not be payable under more than one of the benefits shown in Personal Accident schedule in respect of the same loss, except where a claim is payable under one of the benefits shown in Personal Accident schedule following a period of temporary total disablement.

2) The payment of a claim under temporary total disablement shall immediately cease once a claim under any other of the benefits shown in Personal Accident schedule becomes payable in respect of the same loss, except where either temporary total disablement becomes payable subsequent to the other.

3) Any loss covered under more than one of the benefits shown in Personal Accident schedule shall be payable under the benefit with the higher sum insured.

4) Where the insured is employed by the insured on a contract of fixed duration, the benefit period shall cease at expiry of the

insured ’s contract.

5) The total amount payable under the permanent partial disablement Scale of Benefits shall not exceed the amount shown under the sum insured shown in Personal Accident schedule.

6) The payment of a claim under temporary total disablement shall be £750 per week or 75% of the insured ’s average gross weekly wage, whichever the lesser.

7) The personal accident cover may be cancelled in respect of war by sending 7 (seven) days written notice by recorded delivery to the last known address of the master policyholder

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SECTION B – PERSONAL ACCIDENT

SECTION B - EXCLUSIONS

The following Exclusions shall apply to Section B of this policy

The underwriters shall not pay for:

1) sickness, disease, any naturally occurring condition or gradually operating clause.

2) the insured committing or attempting to commit suicide or intentionally inflicting self injury.

3) the insured engaging in aviation as a pilot of a fixed wing or rotary propelled aircraft.

4) the insured engaging in active service in any of the Armed Forces of any nation.

5) any loss or expense suffered as a result of war and / or terrorism

6) bodily injury, loss or expense once the insured has attained the age of sixty five (65) years.

7) any loss or expenses suffered as a result of radioactive contamination.

8) Any loss or expenses suffered as a result of:

a) the insured’s deliberate exposure to exceptional danger (except in an attempt to save human life)
b) the insured being involved in a motor vehicle accident where the insured is subsequently found to have been driving at the time of the accident with a level of alcohol in their blood above that permitted under prevailing legislation
c) the insured being involved in drug abuse or taking drugs not prescribed by a qualified medical practitioner.

9) the insured participating in training of or using live firearms.

10) any loss or expense suffered by an insured whilst in a disturbed area

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GENERAL POLICY CONDITIONS

The following General Conditions shall apply to both Sections of this policy

1) Alteration

a) Coverage for the insured under the policy shall be terminated with immediate effect if after commencement of this insurance:
i) such insured’s business is wound up or carried on by a liquidator receiver or administrator or permanently discontinued; or ii) such insured’s interest ceases otherwise than by death, may:
unless otherwise agreed by the underwriters in writing.
b) the insured must give immediate written notice to the underwriters of any alteration during the period of insurance which materially affects the risk. On receipt of such notice the underwriters
i) vary the terms of the policy and/or charge such additional amount as it may determine appropriate; or ii) elect to terminate the coverage in respect of such insured under the policy.

2) Assignment

This policy or any rights under it cannot be assigned to any other party without the underwriters’ prior written consent by way of

endorsement.

3) Cancellation

This policy may be cancelled a) by the underwriters:
i) in the event of non-payment of Premium, by sending 10 (ten) days written notice by recorded delivery to the last known address of the insured.
ii) in respect of war, by sending 7 (seven) days’ written notice by recorded delivery to the last known address of the insured .
iii) for any other reason, by sending 30 (thirty) days’ written notice by recorded delivery to the last known address of the insured
.
In circumstance ii) and iii) above, the insured shall be entitled to a rebate equal to the proportionate part of the Premium corresponding to the unexpired portion of the period of insurance.
b) by the insured in writing or by Email, when cancellation shall take effect from receipt of such letter or Email or from a specified date in the future requested therein.

4) Changes to policy

The terms of the policy shall not be waived or amended except by endorsement issued by the underwriters.

5) Confidentiality

The insured shall not disclose the terms of this policy or the amount of premium paid to any third party:
a) except to the extent that the insured is required by law to do so or by any regulatory authority as may be necessary to demonstrate to such regulatory authority that any mandatory insurance requirements of such authority have been satisfied; or
b) except that the existence of the policy and the limit of indemnity may be disclosed to an insurer, to a client or a prospective client or broker where this is necessary to maintain agency facilities, provided that no such disclosure shall be permitted in circumstances where the insured is aware or should have reasonably been aware that the person to whom disclosure is going to be made had made or is likely to make a claim; or
c) except to the extent that the underwriters consent in writing to such disclosure.

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6) Declarations & Material Facts

The insured shall provide to the underwriters:
a) all information and facts that may affect the risks insured by this policy; and b) any other information that the underwriters may reasonably require.

7) Due Observance

The due observance of all terms, conditions and exclusions of the policy in so far as they relate to anything to be done or complied with by the insured shall be a condition precedent to the underwriters’ liability to make any payment under this policy.

8) Due Diligence

The insured shall:
a) ensure that they exercise all due diligence and care to avoid or diminish any loss or circumstance likely to give rise to a claim
under this policy.
b) take reasonable precautions to:
i) prevent any circumstances or to cease any activity which may give rise to liability under this policy; and ii) maintain all buildings, furnishings, ways, works, machinery, plant and vehicles in sound condition; and
c) as soon as possible after discovery cause any defect or danger in respect of products, buildings, fittings, furnishings, plant, or
machinery to be made good or remedied and in the meantime shall cause such additional precautions to be taken as the circumstances require.

9) Enforceability

In the event that any portion of the policy is found to be invalid or unenforceable the remainder shall remain in full force and effect.

10) Interpretation

The policy and the schedule shall be read together as one contract and any word or expression to which a specific meaning has been attached in any part of this policy or the schedule shall bear such specific meaning wherever it may appear.

11) Law and Jurisdiction

The meaning, validity and effect of this policy will be interpreted in accordance with the law of England and Wales and the English or
Welsh Courts will have exclusive jurisdiction in any dispute hereunder.

12) Non-Disclosure

Coverage for the insured under this policy shall be voidable in the event of misrepresentation, misdescription or non-disclosure of any information supplied on or in connection with the proposal.

14) Payment of Membership

The insured shall pay the Membership in full to the underwriters within 60 days of inception. In the event that the premium is not received in full by midnight on the date due, this policy will automatically be rendered void with effect from inception.

16) Titles and Headings

Titles and Headings are descriptive and are used solely for convenience of reference and shall not be deemed to limit or affect the provisions to which they relate in any way.

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GENERAL POLICY CLAIMS CONDITIONS

The following Conditions shall apply to both Sections of this policy.

MAKING A CLAIM UNDER THIS POLICY

Compliance with the following is a condition precedent to the underwriters’ liability to provide an indemnity and/or make any payment under the policy.

1) Action by the insured

a) The insured shall give written notice to the underwriters as soon as reasonably practicable of any:
i) claim; and/or ii) loss; and/or
iii) ocurrence; and or
iv) discovery of any cause for suspicion of any dishonest or fraudulent act or omission, regardless of any deductible that may apply.
b) The notice must include full particulars, including where applicable i) the identity of the claimant or potential claimant
ii) details of the allegations and potential allegations made
iii) identification of the project and services giving rise to the claim or potential claim
iv)the potential amount, if known, involved in the claim.
v) details of any other insurances relating to the claim; and
vi)all such proofs and information relating to the claim as may reasonably be required by us for the purpose of investigating or verifying the claim; and
vii) if demanded a statutory declaration of the truth of the claim and of any matters connected with it.
c) Every letter, claim, writ, summons and process in connection with such circumstances shall be forwarded to the underwriters
immediately on receipt.
d) the insured shall also give written notice to the underwriters as soon as reasonably practicable with full particulars of any circumstances of which they become aware, which could reasonably be expected to give rise to a claim.
The notice shall include the reasons for the belief that the circumstance is reasonably expected to give rise to a claim.
In respect of Sub-section 1 (Professional Indemnity) of Section A of this policy only, any claim subsequently arising from a circumstance notified to the underwriters shall be deemed to have been made during the period of insurance in which notice of such circumstance was first received by the underwriters.
e) No admission, offer, promise, payment or indemnity shall be made or given by the insured or on behalf of the insured without the

underwriters’ prior written consent.

f) The insured shall not surrender any right to, or settle any claim for, contribution, recovery or indemnity from any other party without the underwriters’ prior written consent.
g) The insured shall give all assistance as the underwriters and their representatives may reasonably require which in respect of Section B of this policy shall include, but shall not be limited to, agreement with all reasonable arrangements for medical and other advisors of the underwriters to examine the insured, in respect of which a claim has been made.
Compliance with this condition shall be at the insured’s own cost.

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2) Arbitration

If any difference arises as to the amount to be paid under this policy (liability being otherwise admitted) such difference shall be referred to an arbitrator to be appointed by the parties in accordance with the Arbitration Act 1996.
Where any difference is by this condition to be referred to arbitration the making of an award shall be a condition precedent to any right of action against the underwriters.

3) Conduct of the claim

a) The underwriters shall be entitled but not obliged to take over and conduct in the name of the insured for their own benefit and shall have full discretion in the conduct of any proceedings and in the settlement of any claim.
b) The underwriters shall be entitled to select and appoint lawyers or other parties that will defend and represent the insured in respect of any claim.
c) Subject to General Policy Claims Condition 10 (Right to Contest), the underwriters shall be entitled to settle a claim at their sole discretion.
d) If the underwriters are of the opinion that a claim will not exceed the excess, the underwriters may require the insured to conduct the defence of the claim at the insured’s own expense.
e) The underwriters shall be entitled but not obliged to tender any remaining amount of the limit of indemnity to the insured at any time, whereupon the underwriters’ liability for defence costs incurred after the date of tender shall cease.

4) Contracting Parties and Rights of Action

No person or organisation shall have any rights under or in connection with this policy by virtue of the Contracts (Rights of Third
Parties) Act 1999 or any amendment or re-enactment thereof.
The insured may not assign to any other person or organisation any right or cause of action against the underwriters under or in connection with this policy.

5) Other Insurance

If at the time of any claim there is, or but for the existence of this policy there would be, any other insurance covering the same legal liability the indemnity under this policy will only apply in respect of any amount beyond that which would have been payable under such other insurance had this policy not been effected.

6) Payment of Deductible

Where the underwriters have paid part or all of the excess on behalf of the insured, the insured shall reimburse the underwriters
immediately upon request.

7) Subrogation and Waiver of Rights

The insured shall at the underwriters’ request and expense take and permit to be taken all necessary steps for enforcing rights against any other party in the name of the insured, before or after any payment is made by the underwriters.

8) Fraud

If the insured or anyone acting on the insured’s behalf:
a) makes a request for payment under this policy which is fraudulent and/or intentionally exaggerated and/or supported by a fraudulent declaration, statement or other device; and/or
b) intentionally misrepresents, misdescribes or withholds any material information relevant to this policy,
then the underwriters will be under no obligation to pay any part of the insured’s request for payment or benefit or any other request for payment the insured has made or may make under the policy and the underwriters will have the right to:
i) avoid the policy without returning any premium;
ii) recover from the insured any amounts paid in respect of any claim or benefit, whether such claim or benefit was made before or after the fraudulent request; and
iii) refuse any other benefit under the policy.

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9) Provision of Facts

The provision by the insured of accurate and truthful statements, answers and information supplied on or in connection with a claim under Section A or benefit under Section B, shall be a condition precedent to the underwriters’ liability to make any payment under this policy.

10) Right to contest

If the underwriters recommend settlement in respect of any claim and the insured does not agree that such claim should be settled, then the insured may elect to contest the claim provided that the maximum amount payable by the underwriters in respect of such claim shall not exceed the amount for which the claim could have been settled plus the defence costs incurred up to the date of such election.

11) Our Rights

In the event that underwriters are entitled to avoid or repudiate the policy ab initio, the underwriters may instead, at the underwriters election, give notice in writing to such insured that the underwriters regard the policy as of full force and effect save that there shall be excluded from any insurance afforded hereunder any claim which has arisen or which may arise and which is related to the circumstances which entitle us to avoid or repudiate the coverage provided to the insured under the policy. This policy shall then continue in full force and effect, but shall be deemed to exclude the particular claim referred to in the said notice.

12) Senior Counsel

a) The underwriters shall not require the insured to contest a claim unless a Senior Counsel (appointed by the underwriters) advises that the claim should be contested taking into account all likely costs, prospects of success and the damages and costs likely to be recovered by the third party claimant.
b) The cost of Senior Counsel's advice shall be regarded as part of the defence costs.

13) Claims payment in different currency (Applicable to Section B only)

Any payment required in a different currency to that shown in the schedules shall be calculated at the rate of exchange as published on www.oanda.com for the date of loss.

14) Payment of Benefits (Applicable to Section B only)

The underwriters will deal with claims as follows:
a) the underwriters will pay an accidental death benefit to the insured’s estate and the receipt given to the underwriters by the personal representatives shall be a full discharge of the underwriters’ liability in respect of the claim for such benefit
b) the underwriters will pay any other benefit to the insured and the insured ’s receipt shall be a full discharge of the underwriters’
liability in respect of the claim for such benefit

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COMPLAINTS PROCEDURE

If the insured has any questions or concerns about the policy or the handling of a claim, then in the first instance they should contact the broker or agent who this policy was placed through.
The underwriters are dedicated to providing clients with a high quality service and the underwriters want to ensure that this is maintained at all times.
If you feel that the underwriters have not offered you a first class service, please write to: The Compliance Manager,
Mitsui Sumitomo Insurance Underwriting at Lloyd’s Limited,
25, Fenchurch Avenue, London,
EC3M 5AD.
E-mail: compliance@msilm.com
When writing, please provide the following information:
1. Quote the policy and / or claim number.
2. Identify the name of any claim handling organisation with whom you have been dealing and their reference number.
3. State the nature of your complaint.
All complaints will be investigated quickly and thoroughly. You will receive a written acknowledgement within 5 working days of receipt of your communication, together with a timetable of the actions the underwriters will take to investigate your concerns.
The underwriters wish to learn from any mistakes that the underwriters have made and use the information from complaints continuously to improve our service.
If the underwriters are unable to resolve your problem, you may wish to contact the Complaints Department of Lloyd’s. Their contact details are:-
Policyholder & Market Assistance, Lloyd’s Market Services,
One Lime Street, EC3M 7HA.
Tel: +0044 (0) 20 7327 5693
Fax: +0044 (0) 20 7327 5225
E-mail: complaints@lloyds.com
If neither the underwriters nor the Lloyd’s Complaints Department are able to resolve the situation, and you wish to take the matter further, you may have the right to refer your complaint to the Financial Ombudsman Service, but only if you are an ‘eligible complainant’ as defined under DISP 2.7.3 of the FCA Handbook, details of which can be found on the FOS Website.
Their contact details are: Financial Ombudsman Service,
South Quay Plaza,
183 Marsh Wall, London,
E14 9SR.
Tel: +44 (0) 207 7964 1000
Website: www.financial-ombudsman.org.uk
The existence of this Complaints Procedure does not affect any right of legal action the insured may have against Mitsui Sumitomo
Insurance Underwriting at Lloyd’s Limited.

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DATA PROTECTION ACT 1998

Mitsui Sumitomo Insurance Underwriting at Lloyd’s Limited holds data in accordance with the Data Protection Act 1998.
The underwriters may pass your personal information to other companies for processing on its behalf associated with this contract of insurance.
In order to verify information or to prevent and detect fraud, the underwriters may share information which the insured has provided with organisations and public bodies including the Police accessing and updating various databases.
If the insured gives us false or inaccurate information and the underwriters suspect fraud, the underwriters will record this information and the information will be available to other organisations that have access to the database(s).
The underwriters may at any time check the identity of the insured to prevent money laundering. The underwriters can supply on request details of the databases accessed or to which contributed.

FCA REGULATION

Mitsui Sumitomo Insurance Underwriting at Lloyd’s Limited is authorised and regulated by Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulatory Authority. You can check this on the Financial Services Register by visiting the FCA’s website www.fca.org.uk/register or by contacting the FCA on 0845 606 9966.

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SUMMARY OF COVER

Here is a summary of the cover provided under the Master Policy Agreement with BBA Corporate Limited trading as British Bodyguard Association hereinafter referred to as the British Bodyguard Association. The coverage is in respect of legal liability and personal accident and this document provides a summary of coverage and the the benefits provided for personal accident underwritten by Mitsui Sumitomo Insurance Underwriting at Lloyd’s Limited (Managing Agent of MIT Syndicate 3210), (referred to herein as the ‘underwriters’)
Mitsui Sumitomo Insurance Underwriting at Lloyd’s Limited is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulatory Authority. You can check this on the Financial Services Register by visiting the FCA’s website www.fca.org.uk/register or by contacting the FCA on 0845 606 9966.
This document provides a summary of cover only and does not include the full terms, conditions or benefits. It should be read in conjunction with the Master
Policy Agreement available on request from the Master Policyholder (British Bodyguard Association).

SECTION A – LEGAL LIABILITIES

Sub-Section 1

PROFESSIONAL ADVICE (PROFESSIONAL INDEMNITY) WHAT IS COVERED?

UK Domiciled Members only

Legal liability for damages and claimants costs arising as a result of a claim first made against a Protect member hereinafter referred to as member and notified to the Master Policyholder within 30 days arising out of any negligent act, negligent error or negligent omission in the provision of ‘close protection advice’.

HOW MUCH WILL WE PAY?

GBP 1,000,000 any one claim and in the aggregate, including all defence costs.

EXCESS APPLICABLE – Nil

PROFESSIONAL ADVICE: SIGNIFICANT EXCLUSIONS

No cover is provided for claims arising out of:
• Insolvency or a failure to obtain insurance or finance
• Any joint venture or consortia agreements
• Circumstances already known to the member
• Advice provided prior to the date that Protect membership of the BBA was first issued, or in the event that the member has previously carried Professional Indemnity insurance, the Effective date of the original policy carried by the member – provided always that the member can demonstrate that such cover has been in force from such date
• Goods or products
• Any trading liabilities or debt

Sub-Section 2

PROFESSIONAL SERVICES (PUBLIC LIABILITY)

WHAT IS COVERED?

UK Domiciled Members only

Legal liability for damages and claimants costs arising as a result of a claim made against the member for injury or damage occurring during the period of insurance in connection with the provision of ‘close protection services’.

HOW MUCH WILL WE PAY?

GBP 2,000,000 in respect of any one occurrence. Defence costs are payable in addition.

EXCESS APPLICABLE – Nil

PUBLIC LIABILITY: SIGNIFICANT EXCLUSIONS

No cover is provided for claims arising out of:
• Damage to property in the custody or control of a member
• Damage to property on which a member has been working
• Goods or products manufactured, constructed, altered, repaired, serviced, treated, sold, supplied, or distributed

Sub-Section 3

PRODUCTS (PRODUCT LIABILITY) WHAT IS COVERED?

UK Domiciled Members only

Legal liability for damages and claimants costs arising as a result of a claim made against a member for injury or damage occurring during the period of insurance in connection with any goods or products manufactured, constructed, altered, repaired, serviced, treated, sold, supplied, or distributed.

HOW MUCH WILL WE PAY?

GBP 2,000,000 any one occurrence and in the aggregate. Defence costs are payable in addition.

EXCESS APPLICABLE - Nil

PRODUCT LIABILITY: SIGNIFICANT EXCLUSIONS

No cover is provided for claims arising out of:
• Goods or products used in connection with the marine or aerospace sectors
• Damage to goods or products caused by an inherent defect
• The recall of any goods or products
• Goods or products supplied to the USA or Canada

SECTION A: EXTENSIONS OF COVER

Cover is also provided for the following:
• Defence costs
• Indemnities provided to any Principal
• Defence costs incurred in relation to prosecution under the
Corporate Manslaughter and Corporate Homicide Act 2007
• Sudden and Accidental pollution

SECTION A: SIGNIFICANT ADDITIONAL EXCLUSIONS

No cover is provided for claims arising out of:
• Airside Liability
• Asbestos
• Liability assumed under contract
• Acts which are deliberately or recklessly committed
• Directors & Officers Liability
• Employment Liability
• Fines and Penalties
• Claims brought in the USA/Canada
• Nuclear Risks
• Members not domiciled in the UK
• Pollution (other than as provided for under the Extensions of Cover)
• Restricted Rights of Recovery
• Vehicles
• War & Terrorism

SECTION B – PERSONAL ACCIDENT

Sub-Section 1

PERSONAL ACCIDENT COVER: WHO IS COVERED

Cover is provided for members resident in the United Kingdom. WHEN ARE YOU COVERED
Whilst in pursuit of normal occupational duties being close protection advice and/or close protection services including whilst travelling directly between residence and place of employment during the period of insurance.

SIGNIFICANT COVERS AND BENEFITS

Maximum Policy Limit Any One Occurrence GBP 1,000,000
Multi-Engined Aircraft GBP 500,000
Any other form of Aerial Transport GBP 200,000
Accidental Death: GBP100,000
accident with a level of alcohol in their blood above that permitted under prevailing legislation
c) involvement in drug abuse or taking drugs not prescribed by a qualified medical practitioner
• Participation in training of, or the use of live firearms
• Any loss or expense suffered whilst in a ‘disturbed area’ outside of the United Kingdom. Please refer to Territorial Limits in the Definitions section.

HOW TO MAKE A CLAIM

In the event of:
Any claim or any circumstances which could reasonably be foreseen to give rise to a claim, written notice shall be provided as soon as reasonably practicable to the following address:

Lockton Companies LLP on behalf of the British Bodyguard

Association

40 Linenhall Street
Belfast
BT2 8BA
With regard to any claim in relation to close protection advice notice must be given within 30 days of the claim first being made against the member.

IMPORTANT CONDITIONS

• Failure to disclose any material information to the membership organisation could invalidate the insurance cover and claims may not be paid.
• Failure by a member to comply with all of the terms and conditions of the membership could invalidate any insurance cover or benefit.
• Members have an obligation to take reasonable steps to mitigate
Loss of Limb(s) (one or more) and/or Loss of
Sight (in one or both eyes)
GBP100,000
any loss.
• Accurate and truthful statements, answers and information must be provided on or in connection with any claim.
Permanent Total Disablement GBP100,000
Total Loss of Hearing
• Cover is only provided to current Protect members of the British
Bodyguard Association.
a) in both ears b) in one ear
GBP100,000
GBP 25,000

DEFINITIONS

Total Loss of Speech GBP100,000
Permanent Partial Disablement GBP100,000
For the purposes of this Summary of Cover the following Definitions shall apply:
‘Close Protection Advice’ - shall mean:
Advice, designs, directions, plans or specifications to a third party for a
Temporary Total Disablement
(excluding the first 14 days and up to a maximum of 52 weeks)

SECTION B: SIGNIFICANT EXCLUSIONS

Underwriters shall not pay for
Up to GBP750 per
week or 75% gross weekly wage whichever the lesser
fee in connection with close protection services where no additional service is provided by, or on behalf of the member in connection with such advice, design, plan or specification.
‘Close Protection Services’ shall mean
The provision of close protection services to a third party, including security advice and monitoring, surveillance, threat assessment and management, contingency and disaster planning, screening and
background checks and security training.
• Sickness, disease, any naturally occurring condition or gradually operating cause
• Any member committing or attempting to commit suicide or intentionally inflicting self-injury
• Engagement in aviation as a pilot of a fixed wing or rotary propelled aircraft
• Engaging in active service in any of the Armed Forces of any nation
• War and/or terrorism
• Bodily injury, loss or expense once the member has attained the age of 65 (sixty five) years
• Any loss or expenses suffered as a result of radioactive contamination
• Any loss or expenses suffered as a result of:
a) deliberate exposure to needless danger (except in an
attempt to save human life)
b) involvement in a motor vehicle accident where the member
is subsequently found to have been driving at the time of the
Close protection services do not include the provision of, or management of, or supervision of security guards or other personnel that provide physical security or access control for any premises other than where you are responsible for the management of and/or control of and/or supervision of a residential security team.
TERRITORIAL LIMITS: Worldwide excluding the USA, Canada, and the following Territories defined as:-
‘Disturbed Areas’:-
Afghanistan, Algeria, Central African Republic, Chad, Chechnya, Democratic Republic of Congo, Eritrea, Guinea, Iran, Iraq, Israel, Ivory Coast, Libya, Nigeria, North Korea, Pakistan, Somalia, Sudan, Syria, Yemen

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Copyright 2018 The British Bodyguard Association

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