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Rebecca Hayes asked:
I have an enquiry regarding public liability insurance. I recently took out a new policy with AAMI, and notice that under the Environmental Consultant classification, there is an exclusion for 'manual work' conducted away from the office (or listed premises). I phoned AAMI for further information regarding 'manual work' to find that 'manual work' would include collecting plant samples, using a spotlight etc. I then asked if I could have the policy changed so that I am covered for such work (not that collecting plant samples is normally a high risk occupation), to be told that they were not able to remove that exclusion from the Environmental Consultant classification. There was no other classification that seemed appropriate for my work. It would seem to be a fairly useless policy if it only covers office activities.
Is this an exclusion that people live with, or does nobody use AAMI for public liability?
Rebecca,
You need to contact Anthony Saunders of Envirosure. Envirosure brokers a special deal between ECA members & Lloyds of London with respect to insurance cover. Anthony is a Non-practising Member of the ECA and his contact details are found in the member contact list on this website.
I've never been insured by AAMI, but based on what you have said, it does seem ineffectual. I've been insured by CGU in the past, but Envirosure can organise higher and more effective cover for pretty much the same premium.
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