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					Commercial insurance
Trading UK General Commercial through Acturis Panel
t. 0844 557 5615 e. etraderenquiries@ukgeneral.co.uk w. ukgeneral.com




                                                                        Contents
                                                                        01 | ......................... Introduction
  Activating UK General products
                                                                        02 | ......................... Commercial Products
  If you are already a trading partner of UK General, you
  can start trading straight away. Simply contact Acturis                   | .......................................... Tradesman
  directly on 0844 879 3316 or email
                                                                            | .......................................... Property Owners
  support@acturis.com
                                                                            | .......................................... Retail

                                                                            | .......................................... Office
  Become a Trading Partner                                                  | .......................................... Leisure
  You’ll need a trading agreement with UK General to                    12 | ......................... ‘How to...’ Guide
  access our products via Acturis. You can apply online
  at ukgeneral.com/acturis or email                                         | .......................................... Trading with UK General
  etraderenquiries@ukgeneral.co.uk for further
  information.
                                                                            | .......................................... Become a Trading Partner

                                                                            | .......................................... New Business and
                                                                                                                       Mid-term Adjustments
                                UK General was ranked by brokers            | .......................................... Referrals
                                participating in the Insurance Times
                                Broker Service Survey: Commercial
                                Lines 2010/11 as a top 10 provider          | .......................................... Overriding a Premium
                                of e-trading options for brokers.
                                                                            | .......................................... Cancellations

                                                                            | .......................................... Transfer of Agency
                                UK General was the highest climber
                                in Insurance 360’s 2012 service         15 | ......................... Contact Us
                                rankings and voted a top 20
                                Commercial Insurer by brokers.
                                                                        16 | ......................... Frequently Asked Questions




                                                                                                                      Apply for an agency
                                                                                                                                     ukgeneral.com/acturis
                                                                              t. 0844 557 5615 e. etraderenquiries@ukgeneral.co.uk w. ukgeneral.com




Introduction                                                               We offer
To ensure we deliver the best possible proposition for you and your
clients we have teamed up with Acturis to deliver our new ‘e-trader’           4 | A range of auto-rated, full-cycle
system. This innovative new system provides you with new
                                                                                   commercial products from
functionality, efficiency, service levels and competitive products.
                                                                                   UK General
UK General ‘e-trader’ focusses on providing Acturis brokers with a
fully integrated trading channel to UK General, the features of which          4 | Premium override facility
include:
                                                                               4 | Commission flexing facility
n   Access through the Acturis system to a range of UK General
    auto-rated, full-cycle products                                            4 | One-click referrals direct to
n   Online document production                                                     Underwriter
n   Slick, automated referral and risk information sharing system, fully
    integrated into Acturis – no re-keying of data                             4 | Referral responses direct to your
n   The ability to discount total premium and vary your own                        account
    commission on a per-policy basis
n   The ability to vary excess levels in order to tailor our product to        4 | Online, automated document
    your clients needs                                                             production
Our products will launch during 2012 with the first of these being
                                                                               4 | Variable Excess on selected
Tradesman in February 2012, followed by Property Owners, Leisure,
Office, and Retail.                                                                products
This is only the beginning of our e-trader strategy and we plan to             4 | Legal Protection, Key Person and
deliver a range of new features and a wide range of product offerings
                                                                                   Equipment Breakdown cover
throughout 2012.
                                                                                   included as standard*
If you would like to set up agency facilities with UK General or provide
feedback, please email etraderenquiries@ukgeneral.co.uk                        4 | Free Online Legal Advice Service
I look forward to trading with you.                                                for all trading partners and
Cathie Bruce                                                                       Policyholders
Managing Director of Commercial Insurance
                                                                           * Signatures cover included as standard on our Retail, Office and Leisure policies




Specialist as standard
ukgeneral.com
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Commercial Products
The UK General e-trader portfolio offers a range of competitive commercial products to
meet the needs of many businesses, from the sole trader through to large corporate
organisations. This brochure gives an outline of each Commercial product within this
portfolio.



Added-value extras
    Signatures Cover - included as standard*                                      Free Online Legal Advice Service
    Legal Protection, Key Person and Equipment Breakdown                          FREE to all Policyholders
    Cover                                                                         UK General has teamed up with Legal Insurance Management and
                                                                                  Irwin Mitchell Solicitors to provide all Policyholders with access to a free
    Our Signatures cover is designed to significantly reduce policy
                                                                                  online legal advice database.
    fragmentation and coverage gaps. Our comprehensive Retail, Office and
    Leisure package policies now take care of more exposures and leave our        What’s included?
    clients to get on with their business.                                        Contained within the site is free, high quality legal advice for a wide
    At the same time, our broker partners can offer their clients broader cover   range of legal issues including:
    without the necessity to work with multiple underwriters and manage joint     n   Sale of goods & supply of services    n   Contract disputes
    loss complexities.                                                            n   Traffic offences                      n   Rights at work
                                                                                  n   Debt recovery                         n   Consumer
    *Signatures cover is included as standard in the following policies:          n   Landlord and tenant                   n   Property
    n   Retail                                                                    n   Planning                              n   Wills/intestacy
    n   Office                                                                    n   Family and relationships              n   Neighbour dispute
    n   Leisure                                                                   n   Professional negligence               n   Personal injury
                                                                                  n   Police prosecution
    What’s included?
    Our policies automatically include cover for:                                 How does my client get access?
    n   Commercial Legal Expenses                                                 Information on how to access our free legal advice service is found
    n   Key Person                                                                within the policy documentation, which is issued upon inception of
    n   Equipment Breakdown                                                       cover.




                                                                                                                           Apply for an agency
                                                                                                                                        ukgeneral.com/acturis
2
                                                                                     t. 0844 557 5615 e. etraderenquiries@ukgeneral.co.uk w. ukgeneral.com




Tradesman (excl. Northern Ireland)
The UK General Tradesman Insurance Policy is designed to meet the demands and needs
of self-employed persons and small businesses with up to 10 employees (including
limited companies) undertaking a variety of manual, clerical and professional trades who
wish to protect their business.


The Policy includes Public and Products Liability as standard. Optional covers include Employers' Liability, Tools, and
Contractors All Risks which is available on some select trades.


Policy Features                                                                     Free Online Legal Advice Service
n   Up to 10 employees can be included on the Policy.                               UK General provide all Tradesman Policyholders with access to a free online
n   No minimum premium.                                                             legal database offering high quality advice for a wide range of legal issues.
n   Two levels of Tools Cover - ‘Standard’ and ‘Standard Plus’, which includes
                                                                                    How does my client get access?
    theft from unattended vehicles.
                                                                                    All of the information your client needs to access our free legal advice
n   Contractors All Risks (CAR) provides optional cover for Contract Works,
                                                                                    service is contained in their policy documentation which is issued upon
    Own Plant and Hired in Plant (which includes Continuing Hire Charges).
                                                                                    inception of cover.
n   No Claims Discounts available earning up to a maximum of 20% for four or
                                                                                    For more information visit legalhelpline.irwinmitchell.com
    more claims free years.
n   Automatic Temporary Employees Extension for up to 50 working days.
n   Health and Safety at Work legal fees and costs.
                                                                                    Also available
n   Over 100 professions accepted - see overleaf for a full list.                  4 Commission Override
n   Legal Liability for work carried out by bona fide subcontractors (up to four
    contractors).
n   Wide work definitions for most trades.

Please see overleaf for acceptable trade risks.




Specialist as standard
ukgeneral.com
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Tradesman (excl. Northern Ireland)
Arts/Media/Advertising/Marketing                  n   Mastic Sealant Contractors (incl. External Work)   Electronics
n   Artists                                       n   Painters and Decorators                            n   Acoustic Engineer
n   Author                                        n   Partitioning Contractors                           n   Aerial and Satellite Dish Erectors
n   Calligraphist                                 n   Paving Path, Drive and Patio Contractors           n   Alarm Installers
n   Canvassers                                    n   Plasterers/Dry Liners                              n   CCTV Installation
n   Cartography                                   n   Plumbers                                           n   Domestic Appliance Installation/Repair
n   Cartoonist                                    n   Property Maintenance and Repair                    n   Domestic Chair Lift Installation
n   Graphologist                                  n   Roofers (excl. Use of Heat)                        n   Domestic Stair Lift Installation
n   Leaflet Distributors                          n   Roofers Flat (Fibreglass and Resin only)           n   Electrical Contractors
n   Photographers (excl. Studios)                 n   Shopfitters                                        n   Office Equipment Repairers
n   Sculptors                                     n   Stone Masons (not Monumental Masons)               n   Telephone Point/Extension Installation
n   Telemarketer                                  n   Suspended Ceiling Contractors                      n   Television Repairing
n   Video Services                                n   Timber Decking Contractors                         n   TV Aerial Erectors
n   Videographer (excl. Underwater and Aerial)    n   Wall Tilers                                        n   TV and Video Repairing


Builders/Woodworkers/Plumbers/Related             Cleaning/Restoration                                   Engineers
Trades                                            n   Car Valeters                                       n   Boiler Services - Domestic
n   Artists                                       n   Carpet/Upholstery Cleaners                         n   Ductwork Installation
n   Conservatory and Porch Erectors               n   Chimney Sweeps                                     n   Heating Engineers
n   Domestic Shed Garage Erectors                 n   Cleaners                                           n   Locksmiths
n   Double Glazing Installation                   n   Cleaners - Industrial                              n   Roller Shutter Door Installation
n   Draught Proofing                              n   Domestic Wheelie Bin Cleaners
n   Drystone Wallers                              n   Drain Cleaners                                     Garden/Horticultural/Agricultural/Animal Care
n   Exhibition Stand Erectors                     n   French Polishers                                   n   Dog Grooming
n   Fencing Contractors                           n   Furniture Repair and/or Restoration                n   Dog Walkers
n   Fire Surround Installation                    n   Ironing and Home Laundry                           n   Dog Walkers and Pet Sitters
n   Fitted Furniture Installation                 n   Paths, Drives and Patio Cleaners                   n   Farrier
n   Floor Tilers (incl. vinyl floors)             n   Shoe Polisher and Repairer                         n   Flower/Plant Arrangers
n   Glaziers                                      n   Steam Cleaners and Pressure Washing of             n   Grave Diggers
n   Ground Workers (one metre depth limit)            Paths, Patios and Driveways                        n   Landscape Gardeners
n   Guttering/Facia Board Fitters                 n   Taxidermist                                        n   Timber Decking Contractors
n   Kitchen Installation                          n   Vacuum Cleaner Repairs and Servicing
n   Loft Conversion Contractors                   n   Window Cleaners
n   Mastic Sealant Contractors




                                                                                                                          Apply for an agency
                                                                                                                                       ukgeneral.com/acturis
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                                                                                 t. 0844 557 5615 e. etraderenquiries@ukgeneral.co.uk w. ukgeneral.com




Tradesman (cont.)
Leisure/Catering/Entertainment                  n   Financial Advisory Service                         n   Stockbroking
n   Butler                                      n   Financial Consultant/Adviser                       n   Tax Consultants
n   Caterers                                    n   Financial Services                                 n   Teacher
n   Celebration Cake Makers                     n   Health & Safety Consultants                        n   Training Consultants
n   Chauffeur                                   n   Image Consultants                                  n   Translator
n   Fitness and/or Aerobic Instructors (excl.   n   Insurance                                          n   Typewriter Services
    Martial Arts)                               n   Insurance Advisor                                  n   Typing and Copying Bureau
n   Gym Equipment Fitters                       n   Insurance Assessor                                 n   Underwriting Agency
n   Tour Guide                                  n   Insurance Broker                                   n   Valuer
                                                n   Insurance Consultancy                              n   Will Writers
Medical/Hairdressing/Beauty                     n   Insurance Intermediary                             n   Word Processing
n   Chiropodists                                n   Interpreter
n   Hairdressers                                n   Investment Consultancy                             Retail/Domestic/Commercial/Other Services
n   Nail Technicians                            n   Investment Management                              n   Car Window
                                                n   Lawyers                                            n   Caretaker
Professional Services                           n   Lifestyle Consultants                              n   Carpet Fitters
n   Accountant (excl. Professional Indemnity)   n   Loss Adjuster                                      n   Curtain/Blind Fitters
n   Actuary                                     n   Loss Assessor                                      n   Dress Makers, Tailor, Curtain Makers
n   Actuarial Consultancy                       n   Market Consultancy                                 n   Driving Instructor – Cars, Goods and
n   Advertising Agency                          n   Market Research Consultants                            Commercial Vehicles
n   Advertising Consultancy                     n   Mortgage Brokers                                   n   Engravers
n   Architects                                  n   Music Teachers - Private Individual Tuition only   n   Etching
n   Auctioneers                                 n   Personnel Consultancy                              n   House Sitters
n   Auditing                                    n   Private Tutors                                     n   Interior Design (Tools Cover not available)
n   Barrister                                   n   Property Consultancy                               n   Milkmen/Milk Delivery Roundsmen
n   Chartered Surveyors                         n   Property Letting                                   n   Piano Tuners
n   Claims Assessing                            n   Property Management                                n   Pools Collector
n   Commissioners for Oaths                     n   Public Relations Consultancy                       n   Sign Erectors/Sign Writers
n   Conveyancing                                n   Research Consultancy                               n   Taxi Drivers
n   Design Consultancy                          n   Secretarial Agency (excl. Hired-out Staff)         n   Upholsterers
n   Draughtsman                                 n   Secretarial Services
n   Estate Agents                               n   Solicitor
n   Feng Shui Consultants                       n   Statisticians




Specialist as standard
ukgeneral.com
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Property Owners

The UK General Property Owners’ Insurance Policy provides an extensive range of
covers for both Commercial and Residential Lets, making it a particularly favourable
contract in today’s market.



The Policy automatically provides wide All Risks cover yet still allows customers to select additional covers to suit their
individual needs.


Policy Features                                                                   n    Cover for a diverse range of commercial and residential properties including:
                                                                                        – Offices
All Risks Property Damage including:                                                    – Public Houses/Wine Bars
n   Buildings (Day One Reinstatement)                                                   – Restaurant/Cafe
n   TV and satellite aerials                                                            – Shops – full list of retail trades overleaf
n   Car parks, patios and landscaped grounds                                            – House/Bungalow/Maisonette
n   Money, locks and keys                                                               – Purpose Built Concrete-floored Block of Flats
                                                                                        – Other standard construction, residential properties
n   Cost of rewriting deeds, documents and computer records
                                                                                  n    Our Policy can also be used for mixed usage Commercial properties with
n   Alternative Residential Accommodation
                                                                                       residential lets.
n   Glass
n   Employers’ Liability – Covers incidental Employers’ Liability for cleaners,
    caretakers and persons doing minor maintenance and repairs                        Free Online Legal Advice Service
n   Automatic Loss of Rent Cover up to 20% of Buildings Sum Insured with              UK General provide all Property Owners’ Policyholders with access to a free
    options to increase limit and indemnity periods                                   online legal database offering high quality advice for a wide range of legal issues.
n   Landlords Furnishings and Communal Contents covered up to £5,000 and
    £10,000 respectively as standard with options to increase                         How does my client get access?
n   Property Owners’ Liability – Indemnity Limit of £2 million is provided as         Information on how to access our free legal advice service is found within
    standard with the option to increase to £5 million                                the policy documentation, which is issued upon inception of cover.
n   Terrorism Covers available for an additional premium                              For more information visit legalhelpline.irwinmitchell.com
n   Subsidence Covers available for an additional premium
n   Optional Legal Protection Covers available on Residential Let Policies
                                                                                      Also available
n   15% Day One Inflation Provision and Index Linking
                                                                                  4 Premium Override             4 Commission Override



                                                                                                                                   Apply for an agency
                                                                                                                                                 ukgeneral.com/acturis
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                                                                              t. 0844 557 5615 e. etraderenquiries@ukgeneral.co.uk w. ukgeneral.com




Property Owners
Below is a list of trades available on e-trader.


n   Antiques                                       n   Electrical Goods                             n   Records - Second Hand
n   Artists Materials                              n   Fancy Goods                                  n   Sewing Machines
n   Arts and Crafts                                n   Fishmongers                                  n   Shoe Repairs
n   Baby wear                                      n   Florists                                     n   Shoe Shops
n   Bakers                                         n   Frozen Foods                                 n   Soft Furnishings
n   Bakers (no baking)                             n   Furniture                                    n   Sports Shops
n   Betting shops                                  n   Gifts                                        n   Stationers
n   Blinds and Curtains                            n   Greengrocers                                 n   Tanning Shops
n   Book Shops                                     n   Grocers                                      n   Tobacconists
n   Bridal Wear                                    n   Haberdashers                                 n   Toy Shops
n   Butchers                                       n   Hairdressers                                 n   Wool Shops
n   Camera Shops                                   n   Hat Shop
n   Camping Equipment                              n   Health Food
n   Cards                                          n   Ice Cream
n   Carpets                                        n   Jewellers
n   CD/Video/DVD                                   n   Leather Goods
n   Ceramic Tiles                                  n   Lighting Shops
n   Charity Shops                                  n   Lingerie
n   Chemists                                       n   Mobile Phones
n   China/Glassware                                n   Model Shops
n   Clothing                                       n   Motor Accessories
n   Computers                                      n   Musical Instruments
n   Confectioners                                  n   Newsagents
n   Curtains                                       n   Nursery Goods
n   Cycles                                         n   Off Licences
n   Dairy Products                                 n   Office Equipment
n   Delicatessen                                   n   Opticians
n   DIY                                            n   Paint/Wall Coverings
n   Drapers                                        n   Pet Shops
n   Dress Hire                                     n   Photo Processing
n   Dry Cleaners                                   n   Photocopying



Specialist as standard
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Retail

The UK General Retail Insurance Policy has been designed for Retail businesses. It
provides a comprehensive package to cover the main insurance requirements of the
Retail sector.



The Policy includes covers for Buildings, Contents, Business Interruption, Employers’ Liability, Public and Products
Liability, Money, Frozen Food, Book Debts and optional Loss of Licence.


Policy Features                                                          Signatures Cover - included as standard
n   Buildings and Contents cover with optional Accidental Damage         All new Policyholders will now automatically benefit from our full suite of
n   Glass and sanitary wear cover                                        Signatures covers, comprising of:
n   Signs, blinds and canopies covered up to £2,000                      n   Commercial Legal Protection, including Contract Disputes cover
n   Free automatic seasonal stock increase                                   (£100,000 policy limit)
n   Business Interruption cover on a Net Revenue basis included up to    n   Key Person, including Sickness cover
    £250,000*                                                            n   Equipment Breakdown, including Computer cover
n   Liability Limit of Indemnity £2 million*
n   Book Debts covered up to £5,000*                                     Free Online Legal Advice Service
n   Money covered up to £3,000* plus Assault covers
                                                                         UK General provide all Retail Policyholders with access to a free online legal
n   Goods In Transit Cover £5,000* for any one claim
                                                                         database offering high quality advice for a wide range of legal issues.
n   Deterioration of Stock cover is up to £2,000*
n   No Claims Discount for risks with one or more claim free years       How does my client get access?
n   Index Linking                                                        Information on how to access our free legal advice service is found within
* Higher limits are available.                                           the policy documentation, which is issued upon inception of cover.
                                                                         For more information visit legalhelpline.irwinmitchell.com
Optional Cover (at an additional premium)
n   Subsidence and Terrorism cover
                                                                         Also available
n   Loss of Licence cover
n   Household Goods cover of Insured or Resident Manager                4 Variable Excess          4 Premium Override          4 Commission Override




                                                                                                                    Apply for an agency
                                                                                                                                 ukgeneral.com/acturis
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                                                                                       t. 0844 557 5615 e. etraderenquiries@ukgeneral.co.uk w. ukgeneral.com




Retail
Below is a list of trades available on our online trading platform. Other risks including industrial and commercial property owners are considered through our under-
writing centres.

n   Artists                                             n   Dry Cleaners                                         n   Photocopying
n   Artists Materials                                   n   Electrical - White Goods                             n   Records (Second Hand)
n   Arts and Crafts                                     n   Electrical (inc. audio/video/DVD/TV)                 n   Sewing Machines
n   Baby wear                                           n   Fancy Goods                                          n   Shoe Repairs
n   Bakers                                              n   Fishmongers                                          n   Shoe Shops
n   Bakers (no baking)                                  n   Florists                                             n   Soft Furnishings
n   Betting shops                                       n   Frozen Foods                                         n   Sports Shops
n   Blinds and Curtains                                 n   Furniture                                            n   Stationers
n   Book Shops                                          n   Gift Shops                                           n   Sub Post Offices
n   Bridal Wear                                         n   Greengrocers                                         n   Tanning Shops (excl. treatment)
n   Butchers                                            n   Grocers                                              n   Tobacconists
n   Camera Shops                                        n   Haberdashers                                         n   Toy Shops
n   Camping Equipment                                   n   Hairdressers (excl. treatment)                       n   Wool Shops
n   Cards                                               n   Hat Shop
n   Carpets (excl. Oriental)                            n   Health Food
n   Carpets (incl. Oriental)                            n   Ice Cream
n   CD/Video/DVD                                        n   Leather Goods
n   Ceramic Tiles                                       n   Lighting Shops
n   Charity Shops                                       n   Lingerie
n   Chemists                                            n   Mobile Phones
n   China/Glassware                                     n   Model Shops
n   Clothing                                            n   Motor Accessories
n   Computers                                           n   Musical Instruments
n   Confectioners                                       n   Newsagents
n   Curtains                                            n   Nursery Goods
n   Cycles                                              n   Off Licences
n   Dairy Products                                      n   Office Equipment
n   Delicatessen                                        n   Opticians
n   DIY/Hardware                                        n   Paint/Wall Coverings
n   Drapers                                             n   Pet Shops
n   Dress Hire                                          n   Photo Processing



Specialist as standard
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Office

The UK General Office Insurance Policy has been designed for offices. It provides a
comprehensive package to cover the main insurance requirements of a working office.




The Policy includes covers for Buildings, Contents, Business Interruption, Employers’ Liability, Public and Products
Liability, Money and Books Debts.


Policy Features                                                                 Signatures Cover - included as standard
n    Buildings and Contents cover with optional accidental damage               All new Policyholders will now automatically benefit from our full suite of
n    Glass and sanitary wear cover                                              Signatures covers, comprising of:
n    Signs, blinds and canopies covered up to £2,000                            n   Commercial Legal Protection, including Contract Disputes cover
n    Business Interruption on a Loss of Gross Income/Increased Cost of              (£100,000 policy limit)
     Working basis included up to £250,000*                                     n   Key Person, including Sickness cover
n    Public Liability and Products Liability Limit of Indemnity £2 million *    n   Equipment Breakdown, including Computer cover
n    Book Debts covered up to £5,000*
n    Money covered up to £3,000* plus Assault covers                            Free Online Legal Advice Service
n    Goods In Transit Cover £5,000* for any one claim
                                                                                UK General provide all Office Policyholders with access to a free online legal
n    No Claims Discount for risks with one or more claim free years
                                                                                database offering high quality advice for a wide range of legal issues.
n    Index Linking
* Higher limits are available.                                                  How does my client get access?
                                                                                Information on how to access our free legal advice service is found within
Optional Cover (at an additional premium)                                       the policy documentation, which is issued upon inception of cover.
n    Full Theft, Subsidence and Terrorism cover                                 For more information visit legalhelpline.irwinmitchell.com



                                                                                Also available
                                                                               4 Variable Excess          4 Premium Override          4 Commission Override




                                                                                                                           Apply for an agency
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Leisure

The UK General Leisure Insurance Policy has been designed for Public Houses, Wine
Bars, Licensed Premises, Restaurants, Cafes and Guesthouses. It provides a
comprehensive package to cover the main insurance requirements of these trades.


The Policy includes covers for Buildings, Contents, Business Interruption, Employers’ Liability, Public and Products
Liability, Money, Frozen Foods, Loss of Licence and Books Debts.


Policy Features                                                                Signatures Cover - included as standard
n   Buildings and Contents cover with optional Accidental Damage               All new Policyholders will now automatically benefit from our full suite of
n   Glass and sanitary wear cover                                              Signatures covers, comprising of:
n   Signs, blinds and canopies covered up to £2,000                            n   Commercial Legal Protection, including Contract Disputes cover
n   Free automatic seasonal stock increase                                         (£100,000 policy limit)
n   Business Interruption cover on a net revenue basis included up to          n   Key Person, including Sickness cover
    £250,000*                                                                  n   Equipment Breakdown, including Computer cover
n   Public Liability and Products Liability Limit of Indemnity £2 million *
n   Book Debts covered up to £5,000*                                           Free Online Legal Advice Service
n   Money covered up to £3,000* plus Assault covers
                                                                               UK General provide all Leisure Policyholders with access to a free online legal
n   Goods In Transit Cover £5,000* for any one claim
                                                                               database offering high quality advice for a wide range of legal issues.
n   Deterioration of Stock cover is up to £2,000*
n   Loss of Licence Cover up to £25,000 *                                      How does my client get access?
n   No Claims Discount for risks with one or more claim free years             Information on how to access our free legal advice service is found within
n   Index Linking                                                              the policy documentation, which is issued upon inception of cover.
* Higher limits are available.                                                 For more information visit legalhelpline.irwinmitchell.com

Optional Cover (at an additional premium)
n   Subsidence and Terrorism cover                                             Also available
n   Household Goods cover of Insured or Resident Manager                      4 Variable Excess          4 Premium Override          4 Commission Override




Specialist as standard
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‘How to...’ Guide
Trading with UK General – Giving You the Edge                                        Free Online Legal Advice Service
                                                                                     All Policyholders will receive automatic access to our free online legal database
Integrated Referral Process                                                          containing high quality legal advice for a wide range of issues.
To make trading with UK General as smooth and efficient as possible we have
developed a fully-integrated referral process for Acturis panel brokers.

We are one of the first insurers in the UK to offer panel brokers seamless
                                                                                     Becoming a UK General e–trader
electronic trading on Acturis, which includes the automatic upload of risk data       I’m an Acturis panel broker, but I don’t currently have a trading agreement
to our back-office system for referrals.                                              with UK General. What should I do?
With one click you can submit full risk and premium information direct to one of      Visit ukgeneral.com/forms/agency-application to complete and submit a
our underwriters. This means we can make quick decisions, update the quote            short agency enquiry form. One of our Business Development Managers will
and return it back to you, directly to your system for review and action. See         contact you as soon as possible to discuss working with us. Please ensure you
page 13 for more details.                                                             complete our form in full to allow for smoother processing of your application.
Premium & Commission Override:
                                                                                      I’m an Acturis panel broker and I already have a trading agreement with
We have developed a premium and commission override facility giving our
                                                                                      UK General. How do I access your products?
brokers more freedom over premium, allowing them to be more competitive as
a result. Brokers can apply for our premium and commission override facility by       Our initial launch product (Tradesman) will be automatically activated for you
contacting UK General on 0844 557 5616 or email                                       within your Acturis account. Acturis will notify you of this via email prior to
etraderagency@ukgeneral.co.uk                                                         activation. Acturis will automatically activate further
                                                                                      UK General products as we launch them throughout 2012 (Property Owners,
Variable Excess
                                                                                      Retail, Office and Leisure).
Available on our Retail, Office and Leisure products, our Variable Excess facility
allows for the tailoring of our cover and premium to suit the needs of your
customers.
                                                                                     New Business and Mid-term Adjustments
Automated Document Production
                                                                                     New business and mid-term adjustments should be processed using standard
Our Automated Document Production functions ensure that you get access to
                                                                                     Acturis functionality – as long as UK General are selected for e-trader on your
policy documentation instantly, providing operational improvements, reducing
                                                                                     panel and you complete all the mandatory questions, an immediate response
risk and improving service to your customers.
                                                                                     will be returned from our rating engine.
Signatures
                                                                                     In the event of an ‘Obtained Quote’ you can click the ‘Accept’ button on the
Our Signatures cover includes Legal Protection, Key Person and Equipment             ‘Main Details’ screen and the policy details will be automatically and instantly
Breakdown cover. It is provided as standard on all Retail, Office, and Leisure       uploaded into the e-trader back-office system. All documentation (excluding
policies through our e-trader platform.                                              Cancellation Schedules) will be available from within your Acturis Electronic
                                                                                     File.

                                                                                     When you ‘accept’, the premium will be automatically debited from your
                                                                                     account.


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                                                                                  t. 0844 557 5615 e. etraderenquiries@ukgeneral.co.uk w. ukgeneral.com




Referrals
3 One-click referrals from e-trader to UK General back office
3 UK General underwriter automatically assigned to your referral
3 Referral response direct to your e-trader account

In the event that your UK General quote is referred, the quote will be returned
to you with a status of ‘Refer Continue’.

If you wish to refer to our Underwriters simply clicking the ‘Submit to
Underwriter’ button, which will be shown within the quote on the ‘Main Details’
screen (see Fig. 1.1).

The referral is automatically and instantly uploaded into the UK General
back-office system and assigned to an underwriter for review.
                                                                                                                                Fig. 1.1: Referring a quote to UK General
You will be given the opportunity to add any supporting notes before
transferring your quote.

Once updated, the underwriter will return the quote back to your e-trader
account (see Fig. 1.2) and you will receive a system generated email to
confirm that this has happened.

You can now go back into Acturis to retrieve your UK General quote and action
accordingly.




                                                                                                                          Fig: 1.2. Returning the quote back to the broker




Specialist as standard
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‘How to...’ Guide (cont’d)
Overriding a Premium or Adjusting Commission
UK General e-trader can allow premium discounting and broker commission
override for the majority of our commercial products via the Acturis system.

To amend either the premium or your commission use the ‘Premium Summary
screen’ or the Rating Amounts screen to adjust the percentage in accordance
with the authorisation codes and limits provided to you.

Press ‘Calculate’ and then ‘Apply’ to save the discount/loading.

(Note: By clicking on ‘Apply’, you are committing that newly discounted or
commission rate to UK General and this can not be altered once the policy is
incepted.)

If you are interested in accessing our premium and commission over-ride
facility, please contact UK General on 0844 557 5616 or email
etraderagency@ukgeneral.co.uk


Cancellations                                                                      Ref: 1.3: Premium Override/Commission Override

If you wish to cancel a policy, please contact our underwriters who will action
this for you.

The contact details are as follows:
England & Wales:      0113 272 9117
Scotland:             0141 242 6464
Northern Ireland:     0289 082 0490



Transfer of Agency
If you require a Transfer of Agency, please contact our underwriters directly
who will action this for you.




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                                                                                        t. 0844 557 5615 e. etraderenquiries@ukgeneral.co.uk w. ukgeneral.com




Contact Us
As a specialist insurer, UK General is always looking for ways to improve broker service. This ethos will be at the heart of the new e-trader philosphy. Equally, our
service to you is of paramount importance, so if you have any suggestions or requests with regards to new areas of cover, products, or improvements to our
service, please do not hesitate to contact us at etraderenquiries@ukgeneral.co.uk



To apply for a UK General Agency:                                         Visit: ukgeneral.com/forms/agency-application
                                                                          Tel: 0844 557 5616

Contact your Business Development Manager:                                Visit: ukgeneral.com/contact/commercial-enquiries
                                                                          Email: etraderenquiries@ukgeneral.co.uk

Get extra copies of this brochure:                                        Visit: ukgeneral.com/trading/e-trader
                                                                          Email: etraderenquiries@ukgeneral.co.uk




Specialist as standard
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Frequently Asked Questions
Will my current relationship manager at UK General change if I             Will I receive only one statement from UK General, or one for
commence trading via e-trader?                                             e-trader and one for non e-trade?
No, your current relationship manager will not change.                     You will initially receive a separate statement from UK General for any
                                                                           business traded through UK General e-trader. Once UK General has
Do I have to e-trade or can I continue under my current                    consolidated all commercial business on the Acturis platform you will
arrangements?                                                              receive a single statement for all UK General business.
You can continue to trade with UK General through your current
arrangements. As part of our e-trader strategy we will be replacing our    Will any business written contribute towards any deal I have with
online, self-service platform later in 2012. We will tell you more about   UK General?
this in the near future.                                                   Yes. All premium will contribute to any growth deals you may have in
                                                                           place. For further information and to confirm this arrangement, contact
Will I be asked to sign a new agreement?                                   your Business Development Manager.
If you already have a trading agreement with UK General you will not
be required to sign any further agreements. If you do not currently        How do I cancel a policy?
have a trading agreement with UK General you can apply for one by          If you wish to cancel a policy, contact our underwriting teams on the
visiting ukgeneral.co.uk/acturis                                           numbers below:
                                                                           England & Wales                0113 272 9117
Will I still have access to my scheme?                                     Scotland                       0141 242 6464
Yes. If you have a scheme facility with UK General you will continue to    Northern Ireland               0289 082 0490
have access to this.
                                                                           How do I manage my renewals?
Will my current remuneration arrangements remain unchanged?                UK General e-trader offers fully automated renewal functionality. We
Yes. Your existing remuneration arrangements remain unchanged.             are also working with Acturis on new functionality to make the
                                                                           renewals process as efficient as possible. You will receive more
What minimum premiums apply to your trading products?                      information on how this will work prior to your first renewal.
In some cases we may apply minimum premiums. These are detailed
below and include IPT where applicable:                                    What if I want UK General to make a change for me?
– Retail: £425                                                             For all UK General policies that are live on your Acturis system, all
– Leisure, license premises: £1,000                                        changes should be updated on the policy in your office and submitted
– Leisure, all others: £800                                                to UK General using the ‘Accept’ or ‘Submit to Underwriting’ buttons.
– Office: £300                                                             The exception to this is cancellations, which must me referred by
– Property Owners: £100 (incl Employers’ Liability: £100)                  telephone using the numbers shown in this brochure.
– Property Owners: £92.50 (excl Employers’ Liability: £100)




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                                                                             t. 0844 557 5615 e. etraderenquiries@ukgeneral.co.uk w. ukgeneral.com




Do you apply short period rates for cancellation?                          I have a Commercial Scheme opportunity, how can I progress
You can find this information in the policy wording for each product at    this?
ukgeneral.com/acturis                                                      Your Business Development Manager will be able to discuss the
                                                                           opportunity in more detail and put you in contact with our specialist
When are the other products launching on the panel?                        Schemes Business Development Team.
Our first product to launch will be Tradesmen in February 2012
followed by the rest of the products in the portfolio; Property Owners,    Who do I contact with system queries/errors?
Leisure, Office, and Retail during 2012.                                   You need to contact the Acturis Helpdesk on 0844 879 3316 or email
                                                                           support@acturis.com if you are having any issues processing
What is the basic cover and what are its limitations?                      through the panel in the usual way.
Please refer to the individual product pages contained in this
brochure.                                                                  I still have a question, who should I contact?
                                                                           We hope you found this guide helpful, however, if you still have some
What commission will I receive?                                            unanswered questions contact us on 0844 557 5615 or email
Please contact your Business Development Manager who will be able          etraderenquiries@ukgeneral.co.uk
to discuss and confirm your commission arrangements.

I’d like to be able to vary my commission on individual policies,
how do I do this?
Your Business Development Manager will be able to advise you on
what is required to benefit from this facility.

Who is UK General?
UK General is a leading specialist insurer built on a culture of strong
relationships, with a real focus on technical excellence and innovation.
We work exclusively with broker and affinity partners offering a wide
range of products and trading options that provide real value for our
clients. For further information visit ukgeneral.com

What other products do UK General offer and on what basis are
they traded?
UK General is a leading specialist insurer offering a wide range of
specialist and niche products across a range of innovative trading
options. Further details can be found at ukgeneral.com/products or
by contacting your regional Business Development Manager.


Specialist as standard
ukgeneral.com
                                                                                                                                                   17
A refreshing new
approach to schemes
UK General has the technical expertise and flexibility to offer specialist
scheme solutions to brokers of all shapes and sizes.
Our schemes offer a range of opportunities from ‘off the shelf’ Smart
Schemes, designed specifically for independent brokers, through to fully
bespoke scheme solutions.
                                                                                     Specialist as standard
Contact our schemes experts: call 0844 557 6251 or                              UK General Insurance Ltd is authorised and regulated by the
email schemes@ukgeneral.co.uk                                                  Financial Services Authority. Registered in England and Wales
                                                                                                                      Company No. 4506493
                                                                             Registered Office: Cast House, Old Mill Business Park, Gibraltar
visit ukgeneral.com/refreshing                                                               Island Road, Leeds, West Yorkshire, LS10 1RJ.

				
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