Chapter 3 Flashcards by Jodie Collins

What is the Hotel Proprietors Act.

An innkeeper has strict liability for the safety of their guests effects

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Under hotel and guest hotels what doesn’t apply

A) motor vehicle or their contents or animals
B) animals only
C) animals and contents

A) motor vehicle or their contents or animal

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HOTEL RISKS STANDARD COVER:

Is full theft included

Yes it’s not restricted to theft involving forcible and violent entry to or exit from the premises

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HOTEL RISKS STANDARD COVER:

What is the limit for goods in transit

A) £2- 2.5k
B) 3- 3.5k
C) 2.5-5k

A) £2- 2.5k

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HOTEL RISKS STANDARD COVER:

What is the limit for external blinds and signs

A) £750-1k
B) 500-1k
C) 1k- 1.5k

500-1000

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What did the London Local Authorities Act 2004 do:

Increased the limits payable by hotels within Greater London to-

A) £750 any one article and £1500 for the property of any one guest

B) £1500 any one article and £3000 for the property of any one guest

A) £750 any one article and £1500 for the property of any one guest

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Under the hotel proprietors act what are the three limits that don’t apply if the property starting with-

Is lost due to the negligence, default or wilful act of the hotelier or staff

Was deposited with the hotelier for safe keeping

Was offered for safekeeping but refused

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What is the public liability cover in relation to hotel risks

A) included all risks
B) excluded liability for guests property and money kept in safe room

B) excluded liability for guests property and money kept in safe room

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HOTEL RISKS STANDARD COVER:

What is the limit for book debts

A) £25k
B) £20k
C) 50k

A) £25k

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HOTEL RISKS STANDARD COVER:

What is the limit of seasonal increase in stock

A) cover increased between 25% and 50% of the sum insured
B) cover increased between 10% to 15% of the sum insured

A) cover increased between 25% and 50% of the sum insured

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HOTEL RISKS STANDARD COVER:

What is the limit for property in the open

A) £500- £2k
B) £1k- 3k
C) 2k- 5k

A) £500- £2k

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HOTEL RISKS STANDARD COVER:

What is the limit for guests personal effects and motor vehicles

A)1- 2.5 k personal effects and £15k vehicle
B)1-2.5 k personal effects and 10k per vehicle
C) 1-2.5k personal effects and 20k per vehicle

B)1-2.5 k personal effects and 10k per vehicle

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COMMERCIAL LIABILITY

to fit on a commercial package policy y what is the maximum of employees and turnover

A) 10 employees and turnover of 1m
B) 5-8 employees turnover of 500k
C) 5 employees turnover of 1m

B) 5-8 employees turnover of 500k

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What is cover for guests and employees personal effects covered under on hotels

A) theft
B) property damage
C) money

B) property damage cover applies regardless of the issues of negligence and strict liability

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HOTEL OPTIONAL COVER

what is the limit for loss or licence

A) £50-100k
B) 100- 150k
C- 100- 200k
D) 200- 250k

C- 100- 200k

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HOTEL OPTIONAL COVER

What is the limit for outside catering

A) PL standard limit of 2m and a SI of 2k
B) PL standard limit of 2m and a SI of 5k
C) PL standard limit of 2m and a SI of 10k

A) PL standard limit of 2m and a SI of 2k

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Surgeries

What is covered the difference for Products liability between surgeries and offices policies

Products is usually restricted to the supply of food and drink intended for consumption on the premises and the sale or supply of proprietary goods

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HOTEL RISKS ADDITIONAL COVER

What is the limit for disease, infestation or defective sanitation

A) £50k
B) 25k
C) 30k
D) 10k

B) 25k

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Which of these aren’t a hotel optional extensions

Buildings
Freezer contents
Fidelity insurance 
Motor
Portable equipment 
Terrorism 
Computer breakdown
Personal liability 
Hotel legal expenses
Personal accident

Motor

Personal liability

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SURGERIES

what is the difference with theft for surgeries and officer

Some insurers don’t extend to cover full theft

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SALONS

Does liability cover include treatments performed by employees

A) yes
B) yes asking as they have the right qualifications
C) never

B) yes asking as they have the right qualifications

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Salons

Does anything that can pierce the skin have to be sterilised

Yes

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Under the hotel proprieties act what limit is the hotelier limited to:

A) £50 for any one article or £100 for the property of any one guest
B) £100 for any one article or £200 for the property or any one guest

A) £50 for any one article or £100 for the property of any one guest

HOTEL RISKS STANDARD COVER:

What is the limit for replacement of locks and keys following theft

A) £750-1k
B) 500-1k
C) 1k- 1.5k

500- 1000

What does the care quality commission do

Regulate care homes

What did the Health and social care act 2008 do A) provides a framework for a single registration system B) provides a framework for a single registration system which superseded the Care Standards Act 2000

B) provides a framework for a single registration system which superseded the Care Standards Act 2000

What are the 12 fundamental standards under the Health and Social Care Act 2008

Person centred care Dignity and respect Safety Safeguarding from abuse Food and drink Premises and equipment Complaints Good governance Staffing Fit and proper staff Duty of candour Display of ratings

COMNERCIAL LIABILITY OPTIONAL EXTENSIONS Is personal accident and business travel included

Yes

What section of the Health and Social Care Act 2008 states that the CQC must produce guidance to help providers to comply with the regulations under this and subsequent legislation A)23 B)13

A) 23

CARE HOME OPTIONAL EXTENSIONS what is the limit for increased limit of indemnity for public/ products liability A) option to increase cover to 10million B) option to increase cover to 20 miillon C) option to increase cover to 50 million

A) option to increase cover to 10million

HOTEL RISKS ADDITIONAL COVER what is the limit for employees personal property A) £250- 500 B) 500- 750 C) £750- 1k

C) £750- 1k

What regulation of the Care Quality regulations 2009 sets out the requirements concerning insurance in particular. Providers must have insurance and suitable indemnity arrangements to cover potential liabilities from arising from death injury or other causes A)23 B)13

B) regulation 13

SALONS what is the liability difference between salons and shops

Liability cover is available for professional errors arising out of a range of treatment risks

CARE HOME OPTIONAL COVER what is the limit for malpractice cover A) £10m B) 2m C) 5m

C) 5m

CARE HOME OPTIONAL COVER What is the limit for loss of registration A) 50k B) 75k C) 100k

A) 50k

CARE HOMES ADDITIONAL COVER what 5 things are additional cover

``` 1. Buildings 2 book debts 3. Legal expenses 4. Frozen foods 5. Staff and residents property ```

COMNERCIAL LIABILITY OPTIONAL EXTENSIONS What is the limit for stock A) 10k. Excess £250 B) 15k. Excess £259 C) 5k. Excess £250

C) 5k. Excess £250

SALONS What is the difference for accidental breakage between salons and shops

Specifically included for accidental breakage of basins, pedestals and sinks

CARE HOME OPTIONAL COVER what 9 items are optional cover on care home

``` 1- Increased limit of indemnity for public and product liability 2- malpractice cover 3- abuse 4- goods in transit 5-loss of registration 6- trustee liability 7- terrorism 8- personal accident 9- engineering insurance and inspection ```

COMMERCIAL LIABILITY WHat is the standard limit of liability for money and assault A) £2k in transit and £2k In sage B) £1k in transit and £1k in safe

B) £1k in transit and £1k in safe

SALONS Does liability cover include damage to repairing, removing, replacing, rectifying. Any injuries or damage caused by products supplied

COMMERCIAL LIABILITY to fit on a commercial package policy what is the maximum of employees and turnover A) work from or are based at home but don’t own, lease, hire or rent any business premises B) are contractors

A) work from or are based at home but don’t own, lease, hire or rent any business premises

Surgeries What is the sum insured for loss by deterioration or contamination of drugs or vaccines while contained in refrigeration unit due to change in temp or accidental leakage A) £15k B) 10k C) 20k

A) 15k

Due to abuse claims in care homes what has happened A) onto a claims made basis only and £2m for abuse cover B) onto a claims made basis only and £5m for abuse cover C) onto a claims made basis only and £10m for abuse cover

A) onto a claims made basis only and £2m for abuse cover

What are usually under commercial liability for packaged commercial A) sole traders B) sole traders including consultants and contractors

B) sole traders including consultants and contractors

COMNERCIAL LIABILITY OPTIONAL EXTENSIONS What is the limit for property damage for business equipment A)5k to 10k. Excess £250 B) 2.5k to 10k. Excess £250

B) 2.5k to 10k. Excess £250

COMNERCIAL LIABILITY OPTIONAL EXTENSIONS Is EL an optional extension

Yes

NON INSURANCE SERVICES What are the 5 non insurance services

1. Helplines 2. Counselling services 3 claims line 4. Authorised repaired and suppliers 5. Risk controls advice

COMMERCIAL LIABILITY WHat is the standard limit of liability for commercial liability 1- 5 m 2- 1-2m 3- 10 m

2- 1-2m

COMNERCIAL LIABILITY OPTIONAL EXTENSIONS What is the limit for contacts works A) 50- 250k. Excess £250 B) 100- 250 k. Excess £250

A) 50- 250k. Excess £250

HOTEL RISKS ADDITIONAL COVER What is the limit for paintings and other works of art A) 5k any one item B) 10k any one item C) 7.5k any one item

A) 5k any one item

Surgeries What is the difference between surgeries and office policies for liability cover

Liability cover is excluded for bodily injury or damage to property arising from professional neglect, errors and omissions in treatment, medication advice and certification

COMNERCIAL LIABILITY OPTIONAL EXTENSIONS What 2 ways under contractors risks do insurers restrict the cover

Excluding hazardous works Hot work is undertaken away from the premises

COMNERCIAL LIABILITY OPTIONAL EXTENSIONS What is the limit of legal expenses A) £100-150k B) 50k to 100k

B) 50k to 100k

COMNERCIAL LIABILITY OPTIONAL EXTENSIONS Is treatment risks for hairdressers and beauticians an optional extension

Yes

COMNERCIAL LIABILITY OPTIONAL EXTENSIONS On a full loss of gross profit basis what is the sum insured and indemnity period A) 100k 12 months £150k 24 months £250k 36months

A) 100k 12 months