Shop, Pub and Restaurant Insurance Policy Schedule

Policy reference Type of schedule Date of issue

AXSH3690253XB New business 08 August 2022

This document is a summary of the insurance you've bought. It includes information you or anyone acting
on your behalf provided before we agreed to insure you. This includes details of the cover given, cover
limits, the excesses and any changes to the standard policy wording which are specific to your own
circumstances.

Please remember that your cover is based on the information that you've given us. We need to ensure you
have the right cover now and throughout your cover, so please tell us if anything changes. If you need to
make a claim and any of the details you've given us are incorrect, you may not be covered.

References to You or Your include anyone covered under this insurance (e.g family members and
business partners).

You should always read this document together with the policy wording.

How to contact Simply Business

Simply Business
Sol House
29 St Katherine's Street
Northampton
NN1 2QZ
UK

T: 0333 014 6683

To make a claim, please call 0333 207 0560 or email [email protected] as soon as
possible.

If you need to make any changes to your policy, such as adding or removing employees or updating your
address, please call 0333 014 6683 or email [email protected] . You can also call us on
this number to cancel your policy.

AXA Insurance UK PLC Registered in England No 78950. Registered Office: 20 Gracechurch Street, London EC3V 0BG. A member
of the AXA Group of Companies. AXA Insurance UK PLC. is authorised by the Prudential Regulatory Authority and regulated by the
Financial Conduct Authority and the Prudential Regulation Authority. Telephone calls may be monitored and recorded.
Page 1 of 17
Shop, Pub and Restaurant Insurance Policy Schedule

Policy reference Type of schedule Date of issue

AXSH3690253XB New business 08 August 2022

Premium details

Annual premium £357.66

Plus 12.0 % Insurance Premium Tax £42.92

Total premium £400.58

Policy details

Policy reference AXSH3690253XB

Period of insurance

From 08 August 2022 Until 07 August 2023

Underwriters AXA Insurance UK plc.

Schedule version 1

Wording version 1

AXA Insurance UK PLC Registered in England No 78950. Registered Office: 20 Gracechurch Street, London EC3V 0BG. A member
of the AXA Group of Companies. AXA Insurance UK PLC. is authorised by the Prudential Regulatory Authority and regulated by the
Financial Conduct Authority and the Prudential Regulation Authority. Telephone calls may be monitored and recorded.
Page 2 of 17
Shop, Pub and Restaurant Insurance Policy Schedule

Policy reference Type of schedule Date of issue

AXSH3690253XB New business 08 August 2022

Insured details

Name of insured DRR CONSTRUCTION LIMITED

Business description Construction of domestic buildings

Risk address 1b Salisbury Road, Wavertree, Liverpool

Risk postcode L15 1HN

Annual turnover £150,000

Years trading 4-5 years

Cover details: Liability

Cover for Covered up to

Public and products liability section £2,000,000

Employers' liability section Not included

AXA Insurance UK PLC Registered in England No 78950. Registered Office: 20 Gracechurch Street, London EC3V 0BG. A member
of the AXA Group of Companies. AXA Insurance UK PLC. is authorised by the Prudential Regulatory Authority and regulated by the
Financial Conduct Authority and the Prudential Regulation Authority. Telephone calls may be monitored and recorded.
Page 3 of 17
Shop, Pub and Restaurant Insurance Policy Schedule

Policy reference Type of schedule Date of issue

AXSH3690253XB New business 08 August 2022

Cover details: Property damage

Cover for Covered up to

Buildings section Not included

Buildings section - Tenants improvements Not included

Contents section Not included

Contents section - Stock Not included

Cover details: Business interruption

Cover for Covered up to Indemnity period

Business interruption section Not included

AXA Insurance UK PLC Registered in England No 78950. Registered Office: 20 Gracechurch Street, London EC3V 0BG. A member
of the AXA Group of Companies. AXA Insurance UK PLC. is authorised by the Prudential Regulatory Authority and regulated by the
Financial Conduct Authority and the Prudential Regulation Authority. Telephone calls may be monitored and recorded.
Page 4 of 17
Shop, Pub and Restaurant Insurance Policy Schedule

Policy reference Type of schedule Date of issue

AXSH3690253XB New business 08 August 2022

Cover details: Other covers

Cover for Covered up to

Loss of licence section Not available

Contents section - Theft of money by employees Not available

Specified all risks section Not available

Terrorism section Not available

Cover details: Excesses

You will have to pay the first part of any claim. The amount you will have to pay is shown below.

Public and products liability section Excesses

Bodily injury No excess

Any other claims for damage to third party property £500

AXA Insurance UK PLC Registered in England No 78950. Registered Office: 20 Gracechurch Street, London EC3V 0BG. A member
of the AXA Group of Companies. AXA Insurance UK PLC. is authorised by the Prudential Regulatory Authority and regulated by the
Financial Conduct Authority and the Prudential Regulation Authority. Telephone calls may be monitored and recorded.
Page 5 of 17
Shop, Pub and Restaurant Insurance Policy Schedule

Policy reference Type of schedule Date of issue

AXSH3690253XB New business 08 August 2022

Endorsements

XB126 - Data Protection Notice

AXA Insurance UK plc is part of the AXA Group of companies which takes your privacy very seriously. For
details of how we use the personal information we collect from you and your rights please view our privacy
policy at www.axa.co.uk/privacy-policy. If you do not have access to the internet please contact us and we
will send you a printed copy.

AXA Insurance UK PLC Registered in England No 78950. Registered Office: 20 Gracechurch Street, London EC3V 0BG. A member
of the AXA Group of Companies. AXA Insurance UK PLC. is authorised by the Prudential Regulatory Authority and regulated by the
Financial Conduct Authority and the Prudential Regulation Authority. Telephone calls may be monitored and recorded.
Page 6 of 17
Shop, Pub and Restaurant Insurance Policy Schedule

Policy reference Type of schedule Date of issue

AXSH3690253XB New business 08 August 2022

DE5 - Disease exclusion

Notwithstanding any provision to the contrary within your policy, except for any cover provided under the
Public and products liability, Employers liability and/or Terrorism insurance (except for risks in the Channel
Islands and Isle of Man) sections of your policy, this policy excludes any loss, damage, liability, claim,
cost or expense of whatsoever nature, directly or indirectly caused by, contributed to by, resulting from,
arising out of, or in connection with a communicable disease or the fear or threat (whether actual or
perceived) of a communicable disease regardless of any other cause or event contributing concurrently
or in any other sequence thereto.

Subject to the other terms, conditions and exclusions contained in your policy, these sections will cover
physical damage to property insured and any time element loss directly resulting therefrom where such
physical damage or time element loss is covered by your policy and is directly caused by or arising from
any of the following causes: fire, lightning, explosion, aircraft or other aerial devices or articles dropped
from them, or impact by any road vehicle or animal, storm, earthquake, flood, subsidence, landslip,
landslide, riot, riot attending a strike, civil commotion, vandalism and malicious persons, theft, escape of
water from any tank apparatus or pipe, leakage of oil from any fixed heating installation.

Meanings of defined terms

Communicable disease

Any disease which can be transmitted by means of any substance or agent from any organism to another
organism where:

a. the substance or agent includes, but is not limited to, a virus, bacterium, parasite or other organism
or any variation thereof, whether deemed living or not, and
b. the method of transmission, whether direct or indirect, includes but is not limited to, airborne
transmission, bodily fluid transmission, transmission from or to any surface or object, solid, liquid or
gas or between organisms, and
c. the disease, substance or agent can cause or threaten damage to human health or human welfare
or can cause or threaten damage to, deterioration of, loss of value of, marketability of or loss of use
of property.

Time element loss

Business interruption, contingent business interruption or any other consequential losses.

AXA Insurance UK PLC Registered in England No 78950. Registered Office: 20 Gracechurch Street, London EC3V 0BG. A member
of the AXA Group of Companies. AXA Insurance UK PLC. is authorised by the Prudential Regulatory Authority and regulated by the
Financial Conduct Authority and the Prudential Regulation Authority. Telephone calls may be monitored and recorded.
Page 7 of 17
Shop, Pub and Restaurant Insurance Policy Schedule

Policy reference Type of schedule Date of issue

AXSH3690253XB New business 08 August 2022

DC5 - Murder, suicide or disease cover

Where a Business interruption section is in force under your policy this endorsement deletes and
replaces the Murder, suicide or disease cover

Murder, suicide or disease cover

We will cover you for any interruption of or interference with the business covered by this section during
the period of insurance at the premises as a result of

1. the occurrence of any of the following specified human infectious or specified human contagious
diseases
i. Acute Encephalitis
ii. Acute Poliomyelitis
iii. Anthrax
iv. Chicken Pox
v. Diphtheria
vi. Dysentery caused by Shigella
vii. Legionellosis
viii. Legionnaires' Disease
ix. Malaria
x. Measles
xi. Meningococcal Infection
xii. Mumps
xiii. Opthalmia Neonatorum
xiv. Paratyphoid fever
xv. Bubonic, Septicemic and Pneumonic Plague
xvi. Rabies
xvii. Rubella
xviii. Tetanus
xix. Tuberculosis
xx. Typhoid Fever
xxi. Whooping Cough
xxii. Yellow Fever
2. manifested by any person whilst at your premises which directly results in the compulsory closing
of the whole or part of your premises by order of a public authority authorised to prevent or restrict
access to your premises
3. murder or suicide at your premises
4. bodily injury (excluding illness, disease and psychiatric injury) or bacterial food poisoning sustained
by any person arising from or traceable to foreign or injurious matter in food or drink provided at
your premises
5. the discovery of vermin or pests in the building(s) at your premises that prevents the use of or part
use of the building(s) by order of a public authority
6. the compulsory closing of the whole or part of your premises by order of a public authority as a
result of an accident causing a defect in the drains, toilets or sinks at your premises.

AXA Insurance UK PLC Registered in England No 78950. Registered Office: 20 Gracechurch Street, London EC3V 0BG. A member
of the AXA Group of Companies. AXA Insurance UK PLC. is authorised by the Prudential Regulatory Authority and regulated by the
Financial Conduct Authority and the Prudential Regulation Authority. Telephone calls may be monitored and recorded.
Page 8 of 17
Shop, Pub and Restaurant Insurance Policy Schedule

Policy reference Type of schedule Date of issue

AXSH3690253XB New business 08 August 2022

We will not cover:

a. any costs incurred in the cleaning, repair, replacement, recall or checking of the property insured;
b. any loss to the extent that it would have been caused in any event by disease occurring in a wider
geographical area extending beyond your premises, or by vermin or pests being discovered in a
wider geographical area beyond the building(s) at your premises
c. any incident involving interference or interruption to the business that is less than 12 hours.

Any Disease or Coronavirus exclusion shall apply to this Murder, suicide or disease cover, except that
communicable disease shall not include the specified human infectious or specified human contagious
diseases listed under clause 1 of this cover, the pathogens which cause them, or bacterial food poisoning,
provided that such diseases listed under clause 1 have not been declared by the World Health
Organisation to be a public health emergency of international concern or a pandemic.

The maximum indemnity period under this cover shall be 12 weeks in any one period of insurance
commencing from the date of

a. the compulsory closing of the whole or part of your premises (in relation to clauses 1 and 5 of this
cover)
b. the discovery of murder or suicide (in relation to clause 2 of this cover)
c. the occurrence of injury or illness (in relation to clause 3 of this cover) or, where there is a series of
related injuries or illness, the first occurrence of injury or illness in that series
d. the order of the public authority (in relation to clause 4 of this cover).

Our liability will not exceed the lower of the maximum indemnity period of 12 weeks or £25,000 in any one
period of insurance, irrespective of the number of premises insured. The 'Reinstatement of sum insured
cover' shall not apply in respect of this endorsement.

For the purposes of the cover provided under this cover clause, any references to damage or incident
within the meaning of the defined terms (including the notes thereto), the basis of claim settlement
provisions, section or general exclusions, conditions and Policy conditions shall be read as if they were
references to the cover provided under clauses 1 to 5 above.

AXA Insurance UK PLC Registered in England No 78950. Registered Office: 20 Gracechurch Street, London EC3V 0BG. A member
of the AXA Group of Companies. AXA Insurance UK PLC. is authorised by the Prudential Regulatory Authority and regulated by the
Financial Conduct Authority and the Prudential Regulation Authority. Telephone calls may be monitored and recorded.
Page 9 of 17
Shop, Pub and Restaurant Insurance Policy Schedule

Policy reference Type of schedule Date of issue

AXSH3690253XB New business 08 August 2022

DA5 - Denial of access (damage) cover

Where a Business interruption section is in force under your policy this endorsement deletes and
replaces the Denial of access cover

Denial of access (damage) cover

We will cover you for any loss covered by this section resulting from interruption of or interference with
your business caused by damage by the insured perils to property within a 1 mile radius of your
premises which prevents or hinders the use of your premises, or access to it, regardless of whether your
premises is damaged or not.

Provided that

a. these insured perils are covered under the Buildings and or Contents section in respect of your
premises.
b. the insurance provided by this cover in any one period of insurance shall only apply for the period
starting with the prevention of access or hinderance of use and ending after 12 weeks during which
time you suffer a loss from interruption of or interference with your business.
c. our liability for any one claim and in any one period of insurance is the lower of either 25% of the
annual sum insured shown in your schedule or £250,000 or 12 weeks maximum indemnity period in
total irrespective of the number of incidents or premises insured.
d. the 'Reinstatement of sum insured cover' shall not apply in respect of this endorsement.

We will not cover

i. any loss, destruction of, or damage to property from which you obtain electricity, gas, water or
telecommunications services which prevent or hinder the supply of these services
ii. any incident involving interference or interruption with the business that is less than 12 hours
duration.

Meanings of defined terms

Insured peril(s)

Means fire, lightning, explosion, aircraft or other aerial devices or articles dropped from them, theft,
earthquake, storm, flood, escape of water from any tank apparatus or pipe, leakage of oil from any fixed
heating installation, impact by any road vehicle or animal

AXA Insurance UK PLC Registered in England No 78950. Registered Office: 20 Gracechurch Street, London EC3V 0BG. A member
of the AXA Group of Companies. AXA Insurance UK PLC. is authorised by the Prudential Regulatory Authority and regulated by the
Financial Conduct Authority and the Prudential Regulation Authority. Telephone calls may be monitored and recorded.
Page 10 of 17
Shop, Pub and Restaurant Insurance Policy Schedule

Policy reference Type of schedule Date of issue

AXSH3690253XB New business 08 August 2022

PE5 - Denial of access (damage) cover

Where a Business interruption section is in force under your policy this endorsement deletes and
replaces the Failure of public supply cover

Failure of public supply terminal ends cover

We will cover you for any interruption of or interference with the business covered by this section during
the period of insurance at the premises as a result of the accidental failure of

1. the public electricity supply at the 'terminal ends' of your supplier's service feeds to the premises
within the policy territories
2. the public gas supply at your supplier's meters to the premises within the policy territories
3. the public water supply at your supplier's main stop cock serving the premises (other than by
drought) within the policy territories
4. the public telecommunications services supply (other than satellite services) at the incoming line,
terminals or receivers to the premises within the policy territories

where such accidental failure is a direct result of accidental damage caused by an insured peril

Provided that after the application of all other terms and conditions of the section, our liability will not
exceed the lower of either 25% of the annual sum insured shown in your schedule or £50,000 or 12 weeks
maximum indemnity period in total in any period of insurance irrespective of the number of incidents,
number of your suppliers affected during the period of insurance or the number of premises insured.

The 'Reinstatement of sum insured cover' shall not apply in respect of this endorsement.

We will not cover

a. any failure
i. which do not involve cessation of supply, for at least the franchise period of time of 24 hours
ii. due to an excluded cause
b. loss resulting from failure caused by
i. the deliberate act of any supplier or by them using their power to withhold or restrict supply or
services
ii. strikes or any labour or trade disputes
iii. solar flare or other atmospheric or weather conditions, but we will cover failure due to
damage to equipment caused by these conditions

If an incident occurs resulting in a claim under this extension of cover you cannot claim under any Failure
of public supply cover extension of cover for the same incident.

In any action, lawsuit or other proceedings or where we allege that any loss resulting from damage is not
covered by this section, it will be your responsibility to prove that they are covered.

Meanings of defined terms

AXA Insurance UK PLC Registered in England No 78950. Registered Office: 20 Gracechurch Street, London EC3V 0BG. A member
of the AXA Group of Companies. AXA Insurance UK PLC. is authorised by the Prudential Regulatory Authority and regulated by the
Financial Conduct Authority and the Prudential Regulation Authority. Telephone calls may be monitored and recorded.
Page 11 of 17
Shop, Pub and Restaurant Insurance Policy Schedule

Policy reference Type of schedule Date of issue

AXSH3690253XB New business 08 August 2022

Insured peril(s)

Fire, lightning, explosion, aircraft or other aerial devices or articles dropped from them, theft, malicious
persons, accidental damage, earthquake, storm, flood, escape of water from any tank apparatus or pipe,
leakage of oil from any fixed heating installation, impact by any road vehicle or animal

AXA Insurance UK PLC Registered in England No 78950. Registered Office: 20 Gracechurch Street, London EC3V 0BG. A member
of the AXA Group of Companies. AXA Insurance UK PLC. is authorised by the Prudential Regulatory Authority and regulated by the
Financial Conduct Authority and the Prudential Regulation Authority. Telephone calls may be monitored and recorded.
Page 12 of 17
Shop, Pub and Restaurant Insurance Policy Schedule

Policy reference Type of schedule Date of issue

AXSH3690253XB New business 08 August 2022

CD1 - Cyber and data exclusion

The defined term Electronic data attaching to the Public and products liability section of this policy is
deleted.

The Electronic data exclusion attaching to the Public and products liability section of this policy is
deleted and replaced by the following endorsement:

Cyber and data exclusion

We will not cover claims directly or indirectly caused by, contributed to by, resulting from or arising out of or
in connection with

1. any cyber act or cyber incident including but not limited to any action taken in controlling,
preventing, suppressing or remediating any cyber act or cyber incident
2. loss of use, reduction in functionality, repair, replacement, restoration, reproduction, loss or theft,
distortion, erasure, corruption or alteration of any data, including any amount pertaining to the value
of such data
3. failure of electronic, electromechanical data processing or electronically controlled equipment or
data to correctly recognise any given date or to process data or to operate properly due to failure to
recognise any given date.

This exclusion shall not apply to claims

a. for bodily injury

directly or indirectly caused by, contributed to by, resulting from, arising out of or in connection with any
cyber act or cyber incident.

Meanings of defined terms

For the purposes of this exclusion the following defined terms shall apply:

Computer system

Any computer, hardware, software, communications system, electronic device (including, but not limited to,
smart phone, laptop, tablet or wearable device), server, cloud or microcontroller including any similar
system or any configuration of the aforementioned and including any associated input, output, data
storage device, networking equipment or back up facility.

Cyber act

An unauthorised, malicious or criminal act or series of related unauthorised, malicious or criminal acts,
regardless of time and place, or the threat or hoax thereof involving access to, processing of, use of or
operation of any computer system.

AXA Insurance UK PLC Registered in England No 78950. Registered Office: 20 Gracechurch Street, London EC3V 0BG. A member
of the AXA Group of Companies. AXA Insurance UK PLC. is authorised by the Prudential Regulatory Authority and regulated by the
Financial Conduct Authority and the Prudential Regulation Authority. Telephone calls may be monitored and recorded.
Page 13 of 17
Shop, Pub and Restaurant Insurance Policy Schedule

Policy reference Type of schedule Date of issue

AXSH3690253XB New business 08 August 2022

Cyber incident

1. Any error or omission or series of related errors or omissions involving access to, processing of, use
of or operation of any computer system
2. Any partial or total unavailability or failure or series of related partial or total unavailability or failures
to access, process, use or operate any computer system.

Data

Information, facts, concepts, code or any other information of any kind that is recorded or transmitted in a
form to be used, accessed, processed, transmitted or stored by a computer system.

AXA Insurance UK PLC Registered in England No 78950. Registered Office: 20 Gracechurch Street, London EC3V 0BG. A member
of the AXA Group of Companies. AXA Insurance UK PLC. is authorised by the Prudential Regulatory Authority and regulated by the
Financial Conduct Authority and the Prudential Regulation Authority. Telephone calls may be monitored and recorded.
Page 14 of 17
Shop, Pub and Restaurant Insurance Policy Schedule

Policy reference Type of schedule Date of issue

AXSH3690253XB New business 08 August 2022

Statements of fact

Please review the facts shown below. You provided this information when requesting your insurance.

If any of these facts are not correct, you might find you're not covered if you have to make a claim.

References to "You" or "Your" include anyone involved in running the business. (e.g. family members and
business partners).

The items you sell and services you provide

Question Answer provided

You don't sell goods to the USA or Canada. I agree

Cover options

Question Answer provided

Excess protection Don't include this cover

Personal Accident Don't include this cover

Legal expenses Not required

Hospitalisation cash plan Don't include this cover

AXA Insurance UK PLC Registered in England No 78950. Registered Office: 20 Gracechurch Street, London EC3V 0BG. A member
of the AXA Group of Companies. AXA Insurance UK PLC. is authorised by the Prudential Regulatory Authority and regulated by the
Financial Conduct Authority and the Prudential Regulation Authority. Telephone calls may be monitored and recorded.
Page 15 of 17
Shop, Pub and Restaurant Insurance Policy Schedule

Policy reference Type of schedule Date of issue

AXSH3690253XB New business 08 Augustr 2022

Your premises and surroundings

Question Answer provided

Your business isn't based in a warehouse or industrial unit. I agree

AXA Insurance UK PLC Registered in England No 78950. Registered Office: 20 Gracechurch Street, London EC3V 0BG. A member
of the AXA Group of Companies. AXA Insurance UK PLC. is authorised by the Prudential Regulatory Authority and regulated by the
Financial Conduct Authority and the Prudential Regulation Authority. Telephone calls may be monitored and recorded.
Page 16 of 17
Shop, Pub and Restaurant Insurance Policy Schedule

Policy reference Type of schedule Date of issue

AXSH3690253XB New business 08 August 2022

Claims, convictions and potential claims

Question Answer
provided

You've never had any request for insurance refused or had your insurance cover I agree
restricted or cancelled by your insurer.

You haven't had any claims (whether insured or not) and no one has asked you for I agree
compensation in the last 5 years.

You are not aware of anything that might cause a future claim or request for I agree
compensation.

You've never: I agree

• Been made bankrupt.

You've never been disqualified from holding a directorship. I agree

You haven't received a court judgment regarding debt (either as an individual or in I agree
connection with a business).

You haven't been convicted of a criminal offence (other than one that is spent or a minor I agree
motoring offence, such as speeding tickets).

AXA Insurance UK PLC Registered in England No 78950. Registered Office: 20 Gracechurch Street, London EC3V 0BG. A member
of the AXA Group of Companies. AXA Insurance UK PLC. is authorised by the Prudential Regulatory Authority and regulated by the
Financial Conduct Authority and the Prudential Regulation Authority. Telephone calls may be monitored and recorded.
Page 17 of 17