ISM Members’
Public & Products Liability Insurance
Policy Summary
INTRODUCTION
This is a summary of cover only. Please refer to the policy
wording for full details of the policy cover, exclusions, terms
and conditions.
ABOUT THE POLICY
This insurance is underwritten by Hiscox Insurance Company
Ltd under policy number 8541722.
ELIGIBILITY
All individual Standard, Student & Early Career members of
the Independent Society of Musicians (ISM) that normally
reside within the United Kingdom, Isle of Man or the Channel
Islands are automatically covered by this policy.
DEMANDS AND NEEDS
This policy meets the demands and needs of ISM members
working as musicians or music professionals requiring
insurance against their legal liabilities to pay compensation
arising out of injury to third parties &/or damage to third
party property.
DURATION OF THIS INSURANCE
This policy provides cover to members who purchase or
renew and eligible membership during the period 1
st
August
2024 to 31
st
July 2025. The cover will apply for the duration of
the membership period (up to a maximum period of 12
months).
YOUR BUSINESS
This policy covers the following activities:
a) Any activity connected to the members’ occupation as
a musician (including composing, conducting,
mentoring, performing, rehearsing, singing or teaching) or
as a music professional (including music administrator,
music technician, music therapist, music consultant or
music publisher).
b) Students undertaking a degree level (or equivalent)
course in music for activities connected with their studies
or any work as a music professional
c) The organisation and staging of music performances and
pupils concerts
d) Any activity undertaken by an ISM local group
TERRITORIAL LIMITS
You will be insured within the United Kingdom (including the
Isle of Man and the Channel Islands) and while temporarily
engaged in Business elsewhere in the world.
POLICY COVER
This policy will provide you with Public & Products Liability
Insurance.
POLICY EXCESS
There is no policy excess applicable under this policy other
than:
£2,500 for all claims originating from or brought in North
America
£500 for all claims brought under the Property in Trust
extension
KEY FEATURES OF COVER
This policy provides cover in respect of legal liability for
damages including claimant legal costs for Accidental Injury
to any person or Accidental loss or damage to third party
Property happening during the period of insurance in
connection with the business activities specified.
The limit of indemnity provided is £10,000,000 any one claim.
For claims arising out of the supply of any product the limit of
indemnity is provided in the aggregate for all claims.
Claims brought in North America are subject to a maximum
limit of £5,000,000.
Claims for abuse or molestation are covered up to a limit of
£1,000,000 in the aggregate for all claims.
Principal exclusions from the Public Liability cover:
This policy does not cover claims arising from
1 Bodily Injury to any person who is employed by the ISM
member and which arises out of their work for them. This
includes any self-employed, freelance or voluntary
worker who is working under the control of the ISM
member.
2 Risks that require more specific insurance i.e. Use of Motor
Vehicles, Watercrafts, Aircrafts etc
3 Abuse or molestation claims occurring prior to the
retroactive date
4 Damage to Property in the custody or control of the ISM
Member (other than what is specified in the Property In
Trust extension)
5 Liability for breach of professional duty or inadequate
advice
6 Liability arising out of the sale or supply of any Product
7 i) punitive damages
ii) asbestos
iii) pollution or contamination of any kind
in respect of any claim brought in North America
Principal exclusions from the Products Liability cover:
This policy does not cover claims arising from
1 Product recall
2 Replacement or repair of any defective product
3 Fines, liquidated damages or penalties
4 Property in your custody or control
5 Contractual liability
6 Advice and professional services
SELECTED POLICY EXTENSIONS
Cross Liabilities (Member to Member Liability)
The policy extends to cover claims made between individual
ISM members, subject to the terms, conditions and exclusions
of the policy.
Indemnity to Principals and Others
The policy will also provide an indemnity to any:
Contract Principal
Personal Representatives
providing that the claim would have been covered had it
been made directly against the ISM member.
2
Criminal Proceedings Costs
The policy will cover the legal defence costs incurred with
the insurers prior consent where criminal or regulatory
prosecution is brought in circumstances that could ultimately
lead to a claim under this policy.
Failure To Secure Third Party Premises
The policy will cover claims brought against the insured
member in circumstances where the member has failed to
secure a third party premises.
Property In Trust
The policy will cover the Insured member in respect of legal
liability for damage to Property, which is held in trust or in the
custody or control of the Insured member in connection with
the Business up to a maximum of £25,000 any one claim and
£100,000 any one Insured member.
The policy will not cover any
a) Damage to Property owned, leased, hired or rented to
the Insured member.
b) Damage to Property which is held in trust or in the
custody or control of any other person.
c) the first £500 of each and every loss under this clause.
d) where indemnity is provided by another insurance
policy.
e) Damage to Property which requires to be insured
under the terms of Clause 6.5.1 of the Standard Form of
Building Contract issued by the Joint Contracts Tribunal
or a clause of similar intent under other contract
conditions.
Compensation for Court Attendance
This policy will pay the member £250 for each day they are
required to attend court as a witness at the request of the
Underwriters.
Cover for Limited Companies & Formal Partnerships
The policy will provide indemnity in respect of:
(1) A Limited company as defined under the Companies Act
1985 operating in connection with The Business where
a. the ISM member is the sole employee and director
other than one additional director who is a family
member and engaged in clerical duties only; or
b. there are a maximum of two employees and directors
providing that each employee and director shall be a
member of the Independent Society of Musicians and
would otherwise be insured by this policy for the
activities undertaken in the absence of the Limited
Company.
(2) work performed under a formal partnership arrangement
with any party who is also a member of the Independent
Society of Musicians and is insured under this policy.
LAW APPLICABLE TO CONTRACT
English Law will be applicable to the contract of insurance
between us, unless otherwise stated in your Policy's terms
and conditions.
The language used in this Policy and any communication
relating to it will be English.
HOW TO MAKE A CLAIM
In the unfortunate event that you need to make a claim,
please contact Hencilla Canworth GI as soon as possible.
Contact details are listed below. Please note that late
notification can lead to claims being repudiated.
FINANCIAL SERVICES COMPENSATION SCHEME
Hiscox are members of the Financial Services Compensation
Scheme (FSCS).
You may be entitled to compensation from the scheme if
they are unable to meet its obligations to you under this
contract. If you are entitled to compensation under the
Scheme, the level and extent of the compensation would
depend on the nature of this contract.
Further information is available from
Financial Services Compensation Scheme
10th Floor
Beaufort House
15 St Botolph Street
London,
EC3A 7QU
Tel: 0800 678 1100
Web:
www.fscs.org.uk
DETAILS OF OUR REGULATOR
Hencilla Canworth GI Limited are authorised and regulated
by the Financial Conduct Authority.
Hiscox Insurance Company Limited are authorised by the
Prudential Regulation Authority and regulated by the
Financial Conduct Authority and the Prudential Regulation
Authority
The Financial Conduct Authority website, which includes a
register of all regulated firms can be visited at
www.fca.org.uk or the FCA can be contacted on 0800 111
6768.
HOW TO MAKE A COMPLAINT
We are dedicated to providing a high standard of service
and we want to ensure we maintain these standards at all
times. If you feel that we have not offered a first class service
please contact us at the following address and we will do
our best to resolve the problem:
General Insurance Director
Hencilla Canworth GI Limited
Simpson House
6 Cherry Orchard Road
Croydon
Surrey
CR9 6AZ
Tel: 020 8686 5050
e-mail: mail@hencilla.co.uk
If you are unable to resolve the matter with us your
complaint may be referred to your insurer.
If you are still dissatisfied you may be able to refer your
complaint to
The Financial Ombudsman Service
South Quay Plaza
183 Marsh Wall
London
E14 9SR
Tel: 0800 023 4567
Web: www.financial-ombudsman.org.uk
ADDITIONAL INFORMATION
If you require any further information or wish to request a
copy of the full policy wording – Please contact:
Hencilla Canworth GI Limited
Simpson House, 6 Cherry Orchard Road, Croydon, Surrey
CR9 6AZ
Tel: 020 8686 5050
e-mail:
mail@hencilla.co.uk
