Any manual labour outside the normal 'turnaround', 'get-in' or 'bump-in' process of changing stage props etc.

Work involving the erection of show tents, marquees, staging, lighting, seating etc is considered manual labour..

If in any doubt please contact our office on 01686 626019.

The use of heat is defined as any naked flames or sparks used within a performance.

Performances involving the use of non naked flame items such as toasters, glue guns, soldering irons, hairdryers, curling tongs etc are not deemed as heat work.

If in any doubt please contact our office on 01686 626019.

1. This policy excludes liability occurring as a result of a member of the insured performing group practising or performing as a solo artist/performer, with other performing groups other than the insured performing group.

1. This policy excludes liability occurring as a result of a member of the insured musical group practising or performing as a solo artist/performer, with other musical groups other than the insured musical group.

2. The indemnity provided under this policy extends to include temporary increases in the number of people in musical groups. For the purposes of this policy temporary increases are defined as up to 20% of the declared number of people for a maximum of 10 days in total in any one period of insurance. Any increase in numbers beyond this must be notified to the company and any additional premium paid.

It is noted that no indemnity is afforded by section 3 of this Policy arising from knife or similar object being thrown at humans or animals.

Legal liability for damages and costs in respect of accidental injury to persons, accidental damage to property or accidental nuisance occurring in connection with the business of the insured and associated legal costs.

Products Libility:

Legal liability for damages and claimants' costs and expenses in respect of accidental injury or accidental damage to property caused by any product and associated legal costs.

Legal liability for damages and claimants' costs in respect of any person employed arising out of and in the course of their employment, as well as legal costs incurred with the written consent of Aviva Insurance Limited.

You will require Employers Liability if someone works under your instruction and you have a right to control where and when they work and/or you supply the work materials/equipment.

An employee can be paid or work on a voluntary basis.

Company directors of a Limited Company are also defined as employees of the company.

Physical loss, destruction or damage to equipment, and trade materials.

Section 3 - Liability is extended to indemnify the insured against liability at law for compensation in respect of injury or damage to property caused by or arising from the treatment rendered by the insured in the course of the business of beautician for the application of:

(i) Cosmetics
(ii) Pedicures and manicures
(iii) Facial masks including ionisation and steaming treatments
(iv) Proprietary hair removal preparation
(v) Massage
(vi) Application of tanning creams and oils but excluding the use of sunbeds, solarium or other ultra violet equipment
(vii) Body piercing using a stud gun
(viii) Hair Treatment

Food Safety Act - Legal Defence Costs –

The Company will indemnify the Insured for all Legal Costs and Solicitors' Fees incurred with the written consent of the Company in respect of the defence of a prosecution or in connection with an appeal against criminal prosecution and conviction in respect of a breach of Part II of the Food Safety Act 1990 or successors thereof that has occurred during the period of insurance in connection with the Business.

Provided that the Company shall not be liable for:

(i) the payment of fines or penalties.
(ii) a breach that was as a result of an intentional or deliberate act.