Our Insight policy
Now more than ever, our specialist insurance is structured to accommodate a wide spectrum of insurance and risk management requirements, from the desired simplicity of an all-in-one package for smaller organisations to the “simple sophistication” and flexibility requested by larger ones. Above all, we aim to provide extensive cover as standard to help make Zurich’s Insight policy the most comprehensive one available in the UK today.
Our Insight proposition
We know your first priority has to be the individuals and community groups you champion. Our Insight insurance is effectively designed to assist by providing protection over the length and breadth of your organisation and the people who work within and alongside it. It’s based on a simple but unique mix of insurance products and professional services -- on a combination of:
- a comprehensive range and depth of insurance covers
- an efficient and effective claim support and incident management service plus
- the added values which make Zurich’s Insight proposition much more than “just insurance”
Range as well as depth of cover
| Insight Policy Cover Areas for Non-Profit Organisations |
| Material Damage 'All Risks': for loss or damage to your property, its buildings and contents |
| Business Interruption: against the losses of income arising from events like damage to your property, failure of public utilities, public health issues directly or indirectly affecting your premises |
| Money: insurance against the theft of money for which you have responsibility |
| Public and Products Liability: to protect your board, management, employees and volunterrs against third-party claims for injury, death or loss or damage to property |
| Hirers Liability: liability cover for non-profit users of your premises |
| Employers' Liability: protecting you against any legal liabilities for claims from employees |
| Libel and Slander: for claims made for allegedly defamatory statements, said or written |
| Motor: comprehensive or third-party cover for any vehicles which you own, lease or hire, including legal expenses and uninsured loss recovery as standard |
| Engineering: for breakdown and other loss or damage to plant and equipment, including inspection services |
| Deterioration of Stock: for such things as loss of a refrigerator's contents after a power failure |
| Employee Dishonesty (Fidelity Guarantee): against the theft of your organisation's money or property by staff or volunteers |
| Personal Accident: for injury sustained by employees, volunteers and others whilst working on your behalf |
| Legal Expenses and Helpline Service: cover for employee and business contract disputes and legal defence costs, tax investigations and statutory licence protection, among other areas |
| Trustee Indemnity: for wrongdoing or breaches of trust by board members |
| Professional Indemnity: for any claims arising from the provision of unsatisfactory professional services by your organisation to any third parties |
| Business Travel: protection against interruptions and/or curtailments of business travel plans affected by cancellation, personal accident, baggage problems or money loss etc. |
| Terrorism: against property loss or damage caused by terrorist acts |
With Insight we provide features and benefits to give you greater peace of mind. And although we’ve been insurers for a long time, we constantly strive to improve our products. Here are some of the enhancements we’ve made recently to upgrade the Insight policies available to you:
Material Damage
- Cover for loss of or damage to the personal effects of directors, employees and volunteers has been increased substantially.
- We now cover loss of metered water for which you are responsible and losses due to unauthorised use of your electricity, gas or water.
Business Interruption
- We can protect you against the loss of income which can be incurred where a patron dies or is involved in a criminal investigation or other activity which could adversely affect your organisation.
Money
- The age limit for persons insured under the policy has been raised.
- The limit for loss or damage to personal effects of anyone carrying your money following a theft or attempted theft has been increased substantially.
Employee Dishonesty (previously Fidelity Guarantee)
- Volunteers are now automatically covered up to a guaranteed sum.
Trustees Indemnity
- We have added cover to help you with the costs of attending any proceedings ordered by an investigative or regulatory body.
Professional Indemnity
- We will cover legal representation costs for any official examination, enquiry, investigation or other proceedings into your affairs.
Business Travel
Cover was previously offered under a separate travel policy but now forms part of our Insight policy and features a number of improvements, e.g.
- The limit for claiming any costs involved in delayed baggage arrival has been raised dramatically.
- Theft of baggage and money from unattended vehicles is now covered.
Our commitment to you
When you buy Zurich insurance, you receive not only the features and benefits of our Insight insurance but these commitments from us:
- We promise to continue developing better insurance solutions.
- We’ll share our specialist knowledge and provide a dedicated team to support you behind the scenes.
- We’ll sign up to partnership working and striving for mutual gain – to help you better meet the needs of the individuals and community groups you serve.
- We’ll aim to make the claims process as simple as possible to minimise its potential impact on your own staff and any others with whom you deal.
- We’ll ensure you have a dedicated account handler and access to our specialist teams whenever you need their expertise.
At Zurich, we have both the desire and capacity to help your organisation move towards a safer and more secure future. Together we can work to support your goals and objectives today as well as tomorrow.
