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Health, safety and premises
Additional premiumA premium payable by the insured as a result of a change in policy cover or declaration adjustment to reflect increased exposure or sums insured.
AdjusterA person who investigates claims on behalf of insurers.
Aggregate limit of indemnityThe maximum amount an insurer will pay under a policy in respect of all accumulated claims arising within a specified period of insurance.
Approved Code of Practice (ACoP)ACoPs provide detailed guidance on how to comply with the relevant health and safety legislation. You are strongly advised to follow the steps set out in the ACoP. Should you be taken to court, the onus will be on you to demonstrate that any alternative arrangements are as effective in protecting health and safety as the methods set out in the ACoP.
Approved Supply ListThe Approved Supply List contains many commonly used hazardous substances. Suppliers must identify these substances with a warning label and provide you with a safety data sheet.
AssuranceA term interchangeable with insurance but generally used in connection with life cover as assurance implies the certainty of an event and insurance the probability.
Authorised Waste CarrierAuthorised Waste Carriers are permitted to handle and dispose of waste. They include council waste collectors, waste carriers and brokers registered with the Environment Agency or the Scottish Environment Protection Agency, and holders of environmental permits and waste management licences.