Policy Documents

Only the latest set of policy documents relating to our insurances are available on this page. If you require an older set of documents please find the relevant documents to your inception date in the archive.

The correct documents can also be viewed during the purchase/quote process and will be sent to you as part of the email you receive following purchase, along with your policy schedule (which also acts as your certificate of insurance).

Current Documentation

Combined Wording

This document holds the full policy wording for our standard insurance package. For Zurich Underwritten policies incepting 1st April 2021 onwards.

Key Facts

This is a quick summary of the key points of our policy package. For Zurich underwritten policies.

Terms of Business

The Terms of Business Agreement between the policy holder (you) and us.

ABI EL Guide

New guide for SMEs purchasing EL insurance.

This document set was last changed for policies starting on 1st April, 2021. If your policy started before this date these documents are not valid.
For older versions of the documents view the archive.

Combined Wording

This document holds the full policy wording for our Offshore, Oil & Gas insurance package. For Zurich Underwritten policies incepting 1st April 2021 onwards.

Key Facts

This is a quick summary of the key points of our policy package. For Zurich underwritten policies.

Terms of Business

The Terms of Business Agreement between the policy holder (you) and us.

ABI EL Guide

New guide for SMEs purchasing EL insurance.

This document set was last changed for policies starting on 1st April, 2021. If your policy started before this date these documents are not valid.
For older versions of the documents view the archive.

Combined Wording

This document holds the full policy wording for our IT & Telecommunications insurance package. For Zurich Underwritten policies incepting 1st April 2021 onwards.

Key Facts

This is a quick summary of the key points of our policy package. For Zurich underwritten policies.

Terms of Business

The Terms of Business Agreement between the policy holder (you) and us.

ABI EL Guide

New guide for SMEs purchasing EL insurance.

This document set was last changed for policies starting on 1st April, 2021. If your policy started before this date these documents are not valid.
For older versions of the documents view the archive.

Combined Wording

This document holds the full Media & Creative policy wording for our insurance package. For Media and Creative QBE Underwritten policies.

Terms of Business

The Terms of Business Agreement between the policy holder (you) and us.

Key Facts

This is a quick summary of the key points of our policy package. For Media and Creative QBE Underwritten policies.

ABI EL Guide

New guide for SMEs purchasing EL insurance.

This document set was last changed for policies starting on 3rd November, 2021. If your policy started before this date these documents are not valid.
For older versions of the documents view the archive.

Combined Wording

This document holds the full policy wording for our SME insurance package. For Zurich Underwritten policies incepting 1st April 2021 onwards.

Terms of Business

The Terms of Business Agreement between the policy holder (you) and us.

Key Facts

This is a quick summary of the key points of our SME policy package.

ABI EL Guide

New guide for SMEs purchasing EL insurance.

This document set was last changed for policies starting on 1st April, 2021. If your policy started before this date these documents are not valid.
For older versions of the documents view the archive.

Legal Expenses - Policy Wording

This document holds the full Legal Expenses policy wording. For policies administered by Zurich, purchased on 1st April 2021 Onwards.

This document set was last changed for policies starting on 1st April, 2021. If your policy started before this date these documents are not valid.
For older versions of the documents view the archive.

Legal Expenses Plus - Policy Wording

This document holds the full Legal Expenses Plus policy wording. Administered by Legal Insurance Management Ltd. and underwritten by Royal & Sun Alliance Insurance plc.

RSA - Notice to Policyholders

This HTML file is used to generate the Policy Schedule PDF sent to the client. For policies underwritten by UK General Insurance Ltd on behalf of Royal & Sun Alliance Insurance plc (RSA), incepting 23rd of March 2019 Onwards.

This document set was last changed for policies starting on 26th March, 2019. If your policy started before this date these documents are not valid.
For older versions of the documents view the archive.

IR35 Protect - Policy Wording

This document holds the full IR35 Protect policy wording. For policies administered by Zurich, purchased on 29th November 2019 Onwards.

This document set was last changed for policies starting on 2nd August, 2021. If your policy started before this date these documents are not valid.
For older versions of the documents view the archive.

Cyber Liability - Key Facts

This is a quick summary of the key points of our policy package. For QBE underwritten policies.

Cyber Liability - Policy Wording

This document holds the full Cyber Liability policy wording. Underwritten by QBE Insurance (Europe) Ltd.

This document set was last changed for policies starting on 3rd November, 2021. If your policy started before this date these documents are not valid.
For older versions of the documents view the archive.


For policies starting from 19th December, 2021 (00:00 AM)

Cyber Liability - Endorsement

Professional Indemnity Cyber and Data Protection Law Endorsement for all Zurich underwritten Cyber Liability policies.

Combined Wording

This document holds the full policy wording for our standard insurance package. For Zurich Underwritten policies incepting 1st April 2021 onwards.

Key Facts

This is a quick summary of the key points of our policy package. For Zurich underwritten policies.

Terms of Business

The Terms of Business Agreement between the policy holder (you) and us.

ABI EL Guide

New guide for SMEs purchasing EL insurance.

This document set was last changed for policies starting on 19th December, 2021. If your policy started before this date these documents are not valid.
For older versions of the documents view the archive.

Cyber Liability - Endorsement

Professional Indemnity Cyber and Data Protection Law Endorsement for all Zurich underwritten Cyber Liability policies.

Combined Wording

This document holds the full policy wording for our Offshore, Oil & Gas insurance package. For Zurich Underwritten policies incepting 1st April 2021 onwards.

Key Facts

This is a quick summary of the key points of our policy package. For Zurich underwritten policies.

Terms of Business

The Terms of Business Agreement between the policy holder (you) and us.

ABI EL Guide

New guide for SMEs purchasing EL insurance.

This document set was last changed for policies starting on 19th December, 2021. If your policy started before this date these documents are not valid.
For older versions of the documents view the archive.

Cyber Liability - Endorsement

Professional Indemnity Cyber and Data Protection Law Endorsement for all Zurich underwritten Cyber Liability policies.

Combined Wording

This document holds the full policy wording for our IT & Telecommunications insurance package. For Zurich Underwritten policies incepting 1st April 2021 onwards.

Key Facts

This is a quick summary of the key points of our policy package. For Zurich underwritten policies.

Terms of Business

The Terms of Business Agreement between the policy holder (you) and us.

ABI EL Guide

New guide for SMEs purchasing EL insurance.

This document set was last changed for policies starting on 19th December, 2021. If your policy started before this date these documents are not valid.
For older versions of the documents view the archive.

Cyber Liability - Endorsement

Professional Indemnity Cyber and Data Protection Law Endorsement for all Zurich underwritten Cyber Liability policies.

Combined Wording

This document holds the full policy wording for our SME insurance package. For Zurich Underwritten policies incepting 1st April 2021 onwards.

Terms of Business

The Terms of Business Agreement between the policy holder (you) and us.

Key Facts

This is a quick summary of the key points of our SME policy package.

ABI EL Guide

New guide for SMEs purchasing EL insurance.

This document set was last changed for policies starting on 19th December, 2021. If your policy started before this date these documents are not valid.
For older versions of the documents view the archive.