GLENNON

Frank Glennon Limited

Insurance Brokers & Consultants

Charlemont House, Charlemont Place, Dublin 2

Telephone 707 5800. Fax 707 5900

www.glennons.ie

Member of Worldwide Broker Network WBN and Irish Brokers Association;

Registered Office: Charlemont House, Charlemont Place, Dublin 2. Registered in Ireland Cert. No. 14385.

Directors: D.A. Glennon, J.J. Bissett A.C.I.I, G. C. Elliott M.R.I.C.S , T .V. Moore F.C.I.I., D. B. Deasy F.C.A.

Frank Glennon Ltd trading as ‘Glennon’, ‘Glennon Insurances’, ‘AIC Glennon’, ‘Glennon International’ and

‘Glennon B2B’ is regulated by the Central Bank of Ireland.

19 May 2017 RE: Professional Liability Insurance and Public & Products Liability Insurance Scheme for

Full Practicing Members of the Irish Society of Chartered Physiotherapists (ISCP)

Dear Member, Thank you for providing Glennon Insurance with an opportunity to provide quotation. The Group Professional Liability Insurance Scheme for full practicing members of ISCP falls due for renewal on 1st July annually. Please note you must remain a Full Practicing member of the Irish Society of Chartered

Physiotherapists throughout the policy period in order to avail of annual insurance cover.

Policy cannot be incepted without your ISCP membership number.

The total amount payable to the common renewal date of 1st July 2018 is based on the option selected below and includes Insurers premium, 5% government levies and €15 administration fee. The total amounts payable are:

Category Total Cost

Private Practitioner Member €146.75

Public Health Service Member €78.00

ISCP members paying the Public Health Service Member premium have automatic cover for an element of work undertaken outside of the public system. This cannot exceed 20% of hours worked in total. If it does then the member has to pay the Private Practitioner Member premium. Details of payment methods are shown on page 4 of this letter. Please note that in order to arrange a new policy, you will need to contact Glennon Insurance by telephone at 01-7075800. Please note cover does not apply until the premium payment has been received by us. Please carefully review the attached insurer Statement of Fact. This document places responsibility on you to ensure that the basis on which insurers accept and arrange your insurance is as per their understanding and/or assumptions as outlined in the Statement of Fact document. You must check all the information contained in the Statement of Fact documentation and if any details are incorrect, inform us immediately. If you fail to inform us about any material changes Insurer may be entitled to treat this insurance as if it had never existed.

GLENNON

Frank Glennon Limited

Insurance Brokers & Consultants

Charlemont House, Charlemont Place, Dublin 2

Telephone 707 5800. Fax 707 5900

www.glennons.ie

Member of Worldwide Broker Network WBN and Irish Brokers Association;

Registered Office: Charlemont House, Charlemont Place, Dublin 2. Registered in Ireland Cert. No. 14385.

Directors: D.A. Glennon, J.J. Bissett A.C.I.I, G. C. Elliott M.R.I.C.S , T .V. Moore F.C.I.I., D. B. Deasy F.C.A.

Frank Glennon Ltd trading as ‘Glennon’, ‘Glennon Insurances’, ‘AIC Glennon’, ‘Glennon International’ and

‘Glennon B2B’ is regulated by the Central Bank of Ireland.

Cover is based on the following: Cover: Professional Liability Insurance and Public & Products Liability Insurances. This Professional Liability Insurance is underwritten on a ‘claims made’

basis. This means that your policy must be in force on the date that a claim is made against you and/or on the date you become aware of a circumstance likely to give rise to a claim and notify insurers of these circumstances.

The Public/Products Liability Insurance is underwritten on an occurrence basis.

This policy will not cover claims relating to activities which were undertaken

prior to 1st July 2013. Claims or circumstances arising prior to 1st July 2013 should be notified to your previous insurer. Glennon will be happy to handle any such notifications to RSA on your behalf.

ISCP Membership: Please note you must remain a Full Practicing member of the Irish

Society of Chartered Physiotherapists throughout the policy period in order to avail of annual insurance cover.

Professional Services: Physiotherapy services as outlined by the Irish Society of Chartered Physiotherapists including the Rules of Professional Conduct Incorporating Code of Ethics and Guidelines on scope of Practice in the Physiotherapy profession for members of the Society.

Limit of Indemnity: €6,500,000 any one claim except in respect of a number of defined lower

limits as per the policy wording. The limit of indemnity for Products Liability is €6,500,000 any one claim and

in the aggregate for the period of insurance. Excess: €200 each and every claim but not applicable to Defence Costs This is a summary only, please refer to policy document for full details. Terms of Business & Statement of Suitability

We enclose our updated Terms of Business for your information. Please read these carefully as they set out the basis on which we will provide business services to you as a Glennon Corporate Client. In accordance with the regulations set down by the Central Bank of Ireland, please find attached our Statement of Suitability.

Important Details

Included in our report is an “Important Details” section and we would recommend that you take this opportunity to ensure that you are familiar with the information outlined therein.

GLENNON

Frank Glennon Limited

Insurance Brokers & Consultants

Charlemont House, Charlemont Place, Dublin 2

Telephone 707 5800. Fax 707 5900

www.glennons.ie

Member of Worldwide Broker Network WBN and Irish Brokers Association;

Registered Office: Charlemont House, Charlemont Place, Dublin 2. Registered in Ireland Cert. No. 14385.

Directors: D.A. Glennon, J.J. Bissett A.C.I.I, G. C. Elliott M.R.I.C.S , T .V. Moore F.C.I.I., D. B. Deasy F.C.A.

Frank Glennon Ltd trading as ‘Glennon’, ‘Glennon Insurances’, ‘AIC Glennon’, ‘Glennon International’ and

‘Glennon B2B’ is regulated by the Central Bank of Ireland.

Cover Confirmation

If cover is required please make the premium payment to Glennon Insurance. Details of payment methods are enclosed. Cover does not apply until the premium payment has been received by us. If you wish to avail of our online payment system, please contact us for Glennon reference details. Please note that in an effort to streamline all our business with you we will issue all future correspondence by email. Should you not wish to receive correspondence by email please advise us at iscp@glennons.ie or please tick here and return this letter to us by post. We trust the above is in order, however please do not hesitate to contact myself of one of my colleagues should you wish to discuss further. A list of contact details has been included in this correspondence. Yours sincerely,

Valerie McDermott ACII Client Services Broker SME

Glennon Insurance T: 01 7075800 F: 01 7075900 E: vmcdermott@glennons.ie W: www.glennons.ie

Premium Payment Options

In order to arrange a new policy please contact us on 01-7075800 as it cannot be effected online. Online Payment

Online payment is only available for policy renewals. Cheque or Bank Draft Premium can be paid by cheque which should be made payable to Frank Glennon Ltd. Credit / Debit card

Payment can be made by credit card and debit card. There is no charge for debit card payments but payments by credit card are subject to 1.5% charge by Glennon where payments are made through our office. There is no charge for online credit or debit card payments. Electronic Transfer Payment Details

If you wish to pay by electronic funds transfer Glennon Bank details are as follows:

Bank Details: Bank of Ireland, 2 College Green, Dublin 2

Account Name: Frank Glennon Ltd Client Premium Account

Account Number: 17568487

Sort Code: 90-00-17

IBAN Number: IE14 BOFI 9000 1717 5684 87

SWIFT-BIC BOFIIE2D

The total amounts payable are:

Category Total

Cost

Private Practitioner Member €146.75

Public Health Service Member €78.00

Please quote your Glennon reference when making payment.

GLENNON INSURANCE SERVICE TEAM FOR

IRISH SOCIETY OF CHARTERED PHYSIOTHERAPISTS

Insurance Management It is our aim to provide you with a quality day-to-day service over the coming 12-month period. The following are the persons with the direct responsibility for the servicing of your Account:- Name:

Ray Fogarty

Office Direct: 01 707 5800 Client Service Director Fax:

01 707 5900

Email: rfogarty@glennons.ie Name: Valerie McDermott

Address:

Charlemont House, Charlemont Place, Dublin 2

Main Office Contact

Office Direct:

01 7075800

Fax:

01 7075900

Email: vmcdermott@glennons.ie Web: www.glennons.ie

Professional Liability – Members of the Irish Society of Chartered

Physiotherapists

Endorsement 6:

Statement of fact

IMPORTANT NOTICE: Your acceptance of the policy confirms your agreement that the Details contained

in this Statement of Fact are accurate and complete to the best of your knowledge. The Details noted in this Statement of Fact forms the basis of any contract entered into with the Insurer.

Material Facts

We would draw your attention to the serious consequences of failure to disclose all material information. Material information is that which would influence the Insurer’s decision whether or not to accept the

proposed insurance risk, and if so on what terms. Failure to disclose any such information may result in the policy being void from inception or claims not being paid or not being paid in full. If you are in any doubt as

to whether or not any information is material, you should disclose it. Disclosure

You agree that the information below is true and to the best of your knowledge complete.

Details

1. That you are not aware of any injury to, or death, disease or illness of any patient, or any other

circumstances which may give rise to a Claim against you or which has resulted in a Claim being made against you in the last five years.

2. That you have not had any proposal for Professional Liability Insurance made on behalf of your business declined, cancelled, refused renewal or had special terms proposed.

3. That neither you or any of your business partners of Directors ever been convicted of, or charged with, a criminal offence other than a motoring offence.

4. That you have never been fined or served imprisonment or been issued with a prohibition notice under statutory legislation.

All other terms, exclusions and conditions of this policy remain unaltered

AIG Europe Limited is authorised by the Prudential Regulation Authority of the United Kingdom, and is regulated by the

Central Bank of Ireland for conduct of business rules.

AIGDUBCATPI – Manuscripted for ISCP 7-2015

GLENNON STATEMENT OF SUITABILITY

IMPORTANT NOTICE – STATEMENT OF SUITABILITY: This is an important document which sets out the reason why the product(s) or service(s) offered or recommended is/are considered suitable, or the most suitable for your particular needs, objectives and circumstances.

Product Professional Liability and Public & Products Liability Insurance

Insured: Members of the Irish Society of Chartered Physiotherapists

Insurer: AIG Europe Ltd

We understand that you: • Require advice on appropriate insurance cover to protect your assets, earnings and/or liabilities and • Wish to purchase a policy or range of policies that a prudent person of your type would require. In assessing your needs and objectives, and in making recommendations, we have:

• Asked for information from you about your circumstances as might reasonably be expected to be relevant in enabling us to identify your requirements, and have based our understanding of your needs and objectives on the information you have supplied to us

• Relied upon you disclosing all facts and circumstances material to the required insurance, having explained to you your duty to disclose all such facts and circumstances, and the consequences of a failure to disclose anything of which you are aware that may be relevant

Having taken account of the scope of cover you have selected, the products available to us

and the information and facts you have provided to us, we recommend this product because:

Cover

• The coverage, limits and sums insured meet your needs and objectives as we have assessed them.

• Of the scope of cover and benefits provided by the product • Of less restrictive conditions applying compared with other Insurers’ offers. • The policy is underwritten on a special scheme with specific covers, wordings and competitive

rates developed specifically for your business as a full practicing member of the ISCP. Cost • The cost of the product is reasonable against any other product covering a similar range of needs

and objectives that we can offer. Insurer/Service

• Of the flexibility in underwriting available with this Insurer • Of the standard of service provided by this Insurer • Of the security of the Insurer based on internationally accepted Credit Agency ratings. General

• The product options recommended represent the most suitable from the range of products available from us.

• The product is the most suitable for you taking into account your needs and objectives and the facts and information you have disclosed to us.

Signed: Valerie McDermott

For Glennon Insurance Date: 19 May 2017

Frank Glennon Limited, trading as “Glennon” and “Glennon Insurances”, “AIC Glennon”, “Glennon International”, and “Glennon B2B” is regulated by the Central Bank of Ireland

IMPORTANT DETAILS

Material Facts When seeking a quotation and/or arranging, amending or renewing a policy the information you provide must be true in every respect and you must not withhold or misrepresent any material information. Material information is any information which an insurer would regard as likely to influence their assessment or acceptance of the insurance. Failure to disclose all material information may lead to the voidance of a policy by an insurer. If you are in doubt as to whether or not such information is material, you should disclose it or contact Glennon for guidance. This information includes, but is not limited to, occupation, claims, medical conditions, convictions, disqualifications, pending prosecutions, endorsements and for motor insurance, age, type of driving licence, driving history and vehicle details. It is particularly important that you advise Glennon of ANY previous claims under ANY policy whether or not you were at fault. Exclusions

All Insurances notwithstanding titles such as "Comprehensive", "All Risks" etc. are subject to exclusions which qualify and define the extent of cover provided by the particular Insurance. Some of these exclusions are uninsurable, but other exclusions may be deleted or amended on payment of additional premium. It is extremely important to familiarise yourself with the Policy Exclusions and advise us if you consider that certain exclusions should be deleted or amended. Warranties/ Conditions

It is essential to comply strictly with the terms of any Warranties contained in your Insurance Policies. Failure to comply will invalidate the Insurance at the option of the Insurance Company. It is recommended that you read the Policies carefully and ensure that all Warranties and other Conditions are being fulfilled. If, for some reason, you cannot comply with a Warranty or Condition, we should be advised immediately so that we can discuss the matter with the Insurance Company. Claims All Policies contain conditions regarding the notification of incidents likely to give rise to a claim, many requiring that such notification be given as soon as possible after the incident has occurred. It is important that all incidents that might result in a claim and all subsequent developments are reported to us as soon as possible. Such notification will ensure that your position is safeguarded in the event of a subsequent claim being made against you. We have summarised below certain key issues for your guidance and to assist with the efficient handling of your claims. If you are in doubt as to whether a loss is covered or if a claim should be submitted please contact us. • Immediately notify and provide available details of any event that could give rise to a claim under your policy.

• Do not wait to notify or submit a claim because invoices or other documents are not immediately available. They can follow at a later date.

• Immediately notify the Gardaí (or Police authorities if abroad) of any loss or damage due to theft, attempted theft, assault or attack on any person, riot or malicious damage or if anyone is injured in a road accident.

• Never admit liability or make an offer to make payment to a third party (including employees) without the consent of your insurer.

• Do not reply or respond to any contact or correspondence received from any third party (including employees) or agent acting on their behalf. On receipt you must forward any notice of prosecution, inquest or fatal inquiry and every third-party letter, claim, writ or summons unanswered and unacknowledged for insurers to take the appropriate action on your behalf.

Notes

• Late notification and admission of liability are common cases of insurers repudiating claims. • Failure to disclose all material facts in respect of the claim could prejudice your rights to recover your loss. Data Protection

• The Code of Practice on Data Protection for the Insurance Sector states the following:

“Insurance policies should not other than in compliance with a specific legal obligation such as contained in the Road Traffic Acts, as a condition of the policy, require the provision of personal data of potential claimants at a pre-claim stage of any incidents, e.g. workplace accidents that might lead to a claim. Where notification is required of incidents that fall within the scope of the policy, this should take place by the provision of anonymised data only, except where there is clear evidence that a claim is likely to be made by the subject(s) of the report”.

• You must not supply us with any personal data on a potential claimant under an insurance policy unless there is clear evidence that a claim is likely to be made or unless a formal claim has been intimated.

• Where such clear evidence is not available and/or no formal claim has been made, please anonymise all personal details before forwarding the accident circumstances to us i.e. name, date of birth, address and PPS number.

• Please continue to provide full information as normal when:- o Reporting a formal claim; o Reporting an incident where an injury is substantive (requiring more than one week off work) or where

initial information points to liability attaching to you irrespective of the severity of an injury or damage caused.

• Please change the information provided when: o Reporting an incident where an injury is minor (requiring less than one week off work) and where initial

information indicates that liability does not attach to the you and it is reasonable to expect that a claim will not follow.

o The latter incidents should be reported excluding personal data such as name, address, date of birth, employee number, PPS number, relationship with insured etc. and any reference to the Injured Party should be by way of initials only.

• Please also refer to our Data Protection Notice in our Terms of Business

Sums Insured:

Adequacy of Sums Insured: It is important that you are aware of the implications of the Average Condition and that your sums insured are adequate in order to have the full protection of your policy in the event of a claim. Our experience shows that underinsurance is one of the principal difficulties encountered in negotiating claim settlements. In order to avoid underinsurance on your Buildings and Plant it is recommended that you have a regular professional valuation carried out. Buildings: You need to insure for the cost of reinstating the entire structure as new, taking into account walls, gates and fences. The sum insured selected by you should be sufficient to rebuild the premises in full and allow for demolition, site clearance, compliance with Building Regulations and professional fees necessarily incurred, together with inflation during the rebuilding period. If in doubt you should consult with your Architect or Professional Valuer. Business Interruption

It is essential that you carefully consider the basis of cover under the Business Interruption Section of the Policy. Insuring on Gross Profit or Revenue basis will protect your business against a reduction in turnover following loss or damage which is insured under your Policy. Insuring on an Increased Cost of Working basis will protect your business against increased costs only [as defined in policy wording] following loss or damage which is insured under the Policy. In addition, the sums insured and indemnity period selected need to be carefully considered. If you require any assistance on this matter please contact one of our team to discuss. Unoccupied Properties

If any properties or portion of an insured property becomes unoccupied, it is essential to notify your Insurers immediately. Such a change in occupancy is a fact that must be disclosed to Insurers. In many cases Insurers will impose additional policy warranties and/or restrict cover for unoccupied or partially unoccupied properties. Contracts, Leases and Other Agreements

Contracts, Leases or other Agreements including Supplier/Agency agreements normally require an acceptance of responsibility or risk or an undertaking to hold harmless one party or other in certain circumstances. Motor and Liability Insurances in particular exclude liabilities assumed by agreement which would not have attached in the absence of such agreement. All Contracts, Leases and Agreements should be carefully examined by you and we should be informed of any additional liabilities imposed on you so that we may discuss the matter with the Insurance Company. Contractors/Sub-Contractors/ Consultants

From time to time you may have occasion to use the services of Contractors in the course of your business. Such Contractors may damage your property, disrupt your business or cause accidents for which you may have a legal responsibility. It is important to check that the Contractors are adequately insured before they are allowed to commence work and we should be notified of the engagement of such Contractors so that we may make the appropriate enquiries on your behalf. Employment of Contractors may also constitute an increase in risk, requiring notification to the Insurance Company as previously stated. Reasonable Precautions: Every Insurance Policy is subject to either an expressed or implied Condition that the Insured will take all reasonable precautions to prevent claims arising. You are obliged to take reasonable precautions to comply with statutory obligations, to employ competent and sober employees, to adequately maintain and safeguard insured property etc. It is important, therefore, that Management should establish proper and adequate procedures in relation to safety and should also take the necessary steps to make certain that staff comply with these procedures.

Electronic Communications of Insurer Documentation: We may provide you with a copy of your policy documentation (including endorsements and/or renewal papers) in an electronic communication (by email) depending on what form we receive it from the Insurers. If we do not hear from you advising us not to send the policy documentation by email, we will understand that this implies acceptance by you for the use of this form of communication. Certificates of Motor Insurance:

Motor Certificates should be kept safely and retained indefinitely for possible future reference. Certificates of Employers Liability GB/NI (if applicable): Please note that: a) By law you must prominently display a copy of copies of the certificate at each place of business that you

employ persons covered by the policy. From 1 October 2008 this requirement may be satisfied by making the certificate available to all employees in electronic format.

b) Although it is no longer compulsory to retain copies of certificates for 40 years it remains prudent and in your

best interest to do so, even if such evidence of cover is maintained in electronic format. This is because Employers Liability insurance can provide cover for “long tail” diseases and without

appropriate insurance records it may be difficult or even impossible to trace or identify your insurer. In the event that no insurer can be found you will responsible for payment and legal costs of a claim.

Note: There is an Employers Liability Tracing Service available via www.abi.org.uk. This service should not

be relied upon, but may be able to assist if you are unable to identify your insurer in the event of a claim.

Motor Insurance Database – ROI/GB/NI (if applicable):

The 4th EU Directive on Motor Insurance states that each member country must be able to trace the insurer of a vehicle by the registration plate of that vehicle. Glennon clients who insure their vehicles on a “fleet” basis and Motor Traders (and, in GB/NI, Taxi Firms) are legally required to supply details of the vehicles (including temporary vehicles and trailers if they have their own registration numbers) covered by their Motor policy(s) for entry onto:- • The National Fleet Database (ROI) • The Motor Insurers Database (GB/NI) They are internet based solutions which facilitate the upload, change and management of fleet and motor trade (and Taxies in GB/NI) information. This legal requirement has no impact on policy cover. Failure to comply with this requirement may result in prosecution or seizure of a clients vehicle or both. For more information, visit • www.nfd.ie (ROI) • www.miic.org.uk (GB/NI)

Property Based Insurances – Insurer Appointed Repairers

Please note that in the event you need to make a claim under any Property based Insurance Policy your Insurer may appoint its own builder or other expert to undertake restitution on your property. The decision to repair, reinstate, replace or make a cash settlement rests solely with your Insurer. Motor Insurance – Basis of Claim Settlement

If a vehicle is written off, your Insurer will pay you its market value or the sum insured whichever is lesser at the time of the loss less the applicable policy excess so as to leave you in the same financial position you were in prior to the loss occurring. A deduction may also be made for the vehicles salvage value.

Motor Insurance – Insurer Appointed Repairers Please note that in the event you need to make a claim under a motor insurance policy your Insurer may appoint its own approved repairer or other expert to undertake restitution work on your vehicle. The decision to repair, reinstate, replace or make a cash settlement rests solely with your insurer. Thorough Examination of Certain Plant & Equipment

It is a legal requirement that certain “Engineering Plant” is subject to Thorough Examination (formerly Statutory Inspection). Plant requiring Thorough Examination includes air receivers, steam pressure plant and lifting equipment such as passenger/goods lifts and hoists. If you are in doubt as to whether an item of plant under your control is subject to Thorough Examination, please contact us. If you have any queries on these Important Details, please consult your usual Glennon Contact to

discuss.