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Policy Summary

This document serves as a summary of your insurance from GG Insurance Services and highlights key areas of cover. For full details. please refer to your original policy wording.

Professional Indemnity

Professional indemnity covers you if a client alleges you have been negligent in your advice, services or designs. We will pay the legal expense to defend the claim, and also pay damages to settle the claim.

It may be a contractual requirement that a firm carries professional indemnity insurance.

Our policy will pay up to GBP 1,000,000.

There are many different types of professional indemnity insurance. GG Insurance has worked closely with insurers to create a bespoke product specifically tailored to the Games Industry.

Also included are the following specialised coverages that are provided by GG Insurance:

Software Copyright

While developing a game, developers could allegedly infringe copyright in the code. Our product will pay for defence costs and damages.

Idea or Concept

If a game is successful, another game developer may allege that the idea of the game was stolen and sue for breach of copyright. Our policy will pay for defence costs and damages.

Content license

As with a film or other media production, various licenses are often required to use the content. For example, a sports star may allege that there is a likeness of one of the characters or a car manufacturer may allege a license to use a car brand was not obtained. This can also apply to buildings, music and many other scenarios. Our policy will pay for defence costs and damages if the breach was unintentional.

Software Coding

There can be problems with the quality of the coding, for example, brought on by inexperience, feature creep, ambitious scope. If reasonable care and skill were not taken, then the allegation would trigger a negligence claim. Our policy will pay defence costs and damages.

Defamation

If you host a forum or blog, user-generated content on websites (for example, forums and blogs) can sometimes be allegedly defamatory, and the website can be considered a publisher and therefore sued. In this event, our policy will pay for defence costs and damages.

Employer's Liability

You must get employers’ liability insurance as soon as you become an employer – by (UK) law your policy must cover you for a minimum of £5 million and come from an authorised insurer.

We will pay defence costs and damages for claims arising from employee injury as a result of his or her employment.


Our policy will pay up to GBP 10,000,000.

Public and Products Liability

Public & products liability insurance covers you for a claim for bodily injury or property damage caused by an accident occurring as a result of your business activity. We will pay defence costs and damages.


Our policy will pay up to GBP 1,000,000.


Events Liability

Your GG Insurance policy also extends to liabilities while you attend events, exhibitions and conferences. However, you are not covered if you are organising the event itself.

Senior Executives (Key Person) Replacement

In the event that a high-ranking individual (for example a key coder) suffers an incapacitating event or dies, GG Insurance will attempt to source a replacement through Executive Online Recruitment Ltd. If a suitable replacement is agreed, then we will pay the salary for up to 3 months or £50,000 (whichever is less).

Data Breach Service

"Beazley Breach Response"

Any company that holds client data and has dealings in the European Union will be subject to the European General Data Protection Regulation (GDPR), and any breach of client data or confidentiality could attract a substantial fine.

Your policy also includes the provision of Beazley Breach Response (BBR) services to respond to such a breach of data. This includes post-breach services supplied by pre-approved vendors and paid for by insurers.

BBR encompasses a wide range of services, from legal and forensics to credit monitoring and Data Patrol for your customers, to give you special protection against online fraud and identity theft. This is an especially useful service for companies as it demonstrates to customers (and regulators) that in the event of a breach, adequate services are in place to respond.

The BBR insurance limit is expressed as a number of individuals whose personal data is covered (rather than a monetary amount) making it easier to choose the appropriate insurance requirement.

We will pay for the costs to notify up to 5,000 individuals as standard including access to a dedicated call centre. We will also pay for legal and forensic expenses up to GBP 10,000.

For full details and instructions please refer to your original policy document.

DOS Website Recovery Service

Your GG Insurance policy also includes a website recovery service in partnership with DOSarrest Internet Security Ltd.

In the event that your website(s) or computer systems are attacked by a denial of service attack, we will pay on your behalf the cost of the DOS Technical Support Service to get you back up and running.

For full details and instructions please refer to your original policy document.

DLC (Optional Extras)

Buildings Insurance

Buildings insurance provides financial reimbursement to the owner or renter of a structure in the event of damage.

We will indemnify you for property damage to your organisation’s

  1. Buildings;
  2. Improvements to the buildings carried out by you as a tenant occurring during the policy period and up to the limits specified in the schedule.

Buildings and improvements to buildings belong to your organisation for the purposes of this cover if your organisation has freehold or long leasehold title to them or if your organisation is legally liable under the terms of any lease or licence to repair or replace them in the event of insured damage.


Your policy will not make any payment for:

B.1 Property damage caused by or arising from:

  1. Inherent vice latent defect gradual deterioration wear and tear change in water table level or faulty or defective design or materials [within the damaged property] ;
  2. Corrosion rust wet or dry rot shrinkage evaporation loss of weight dampness dryness marring scratching vermin or insects

iii. Coastal or river erosion

  1. Mould mildew fungus spores or other microorganisms of any type nature or description including but not limited to any substance whose presence poses an actual or potential threat to human health
  2. Settlement or bedding down of new structures;
  3. Settlement or movement of made up ground;

vii. Water discharged or leaking from any automatic sprinkler installation, water tanks, apparatus or pipes

viii. Collapse or cracking, other than property damage resulting from subsidence;

  1. Subsidence, ground heave or landslip:
  2. To walls, gates and fences, car parks, yards, private roads, pavements and paths unless also affecting a building insured for subsidence, ground heave or landslip under this cover and for which We have agreed to make payment ;
  3. Which originated prior to the inception of this policy;
  4. Pressure waves caused by aircraft or other aerial devices travelling at supersonic speeds;
  5. Storms or flood to gates or fences;

xii. Frost, other than property damage due to water leaking from burst pipes forming part of the permanent internal plumbing provided the building is occupied and in use;

xiii. The calculation comparison differentiation sequencing or processing of data involving any date change;

xiv. Malicious computing code, such as a virus, or the activities of a computer hacker, or programming or operator error.

  1. Any work to extend, renovate, build or demolish any part of your buildings if the estimated cost is more than £75,000. If you notify us of this work at least 30 days before the work starts and before you enter into any contract for such works, we may amend this exclusion.

Contents insurance

Contents insurance covers you against theft or damage to contents at your premises.

For new contents obtained during the policy period, we automatically allow a 20% increase in the total sum insured until renewal.


Your GG Insurance policy also includes the following extra coverages:

Reconstitution of Electronic and Non-Electronic Data

Your GG Insurance policy will pay for the rectification costs in reconstituting the data that you need to continue the delivery of your professional services up to GBP 10,000 per incident.


Contents away from your premises

We can cover your portable equipment such as laptops, anywhere in the world for theft or damage up to GBP 5,000 per incident


Exhibition Cover

Your GG Insurance policy will cover you for damage or theft at exhibitions up to GBP 5,000 per incident.


Other Covers

Property in transit

GBP   15,000

Glass breakage

GBP   10,000

Money

i) In a locked safe

ii) Not in a safe

iii) Non negotiable money (cheques etc)

GBP   10,000

GBP     5,000

GBP 100,000

Personal belongings

GBP     1,000

Lock replacement

GBP     2,500

Contents kept at home (e.g. laptops)

GBP   10,000

Loss prevention costs

GBP   10,000

Removal of debris

GBP   10,000

Personal assault

GBP   10,000

Landscape gardens

GBP     5,000

Business Interruption

Business interruption insurance covers the loss of income that would have been earned, following a disaster.

For example, a flood at your premises may put the business on hold while you make alternative arrangements. Meaning your company is unable to generate income for a time.

Our business interruption policy will cover that loss in income to enable you to pay the bills until the company is back on its feet.

Not only this, your policy will also cover you for an additional increased cost of working. What this means is that when relocating to a temporary site, for example, the rent and other costs may be higher than normal. Your policy will cover reasonably incurred additional costs during a disruptive period for the purposes of minimising your loss of income.

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