• B Smart - Commercial General Liability Application Form

  • Important Notice

  • This is a proposal for a contract of insurance, in which Applicant or you/your means the individual, company, partnership, limited liability partnership, organization or association proposing coverage. This proposal must be completed, signed and dated. All questions must be answered to enable a quotation to be given. Completion does not bind you or Underwriters to enter into any contract of insurance. If space is insufficient to answer any questions fully, please attach a signed continuation sheet. You should retain a copy of the completed proposal and any supporting information for future reference. All facts material to the proposed insurance must be disclosed, fully and truthfully to the best of your knowledge and belief. Failure to do so may make the contract of insurance voidable or severely prejudice your rights in the event of a claim. A material fact is one likely to influence Underwriters' assessment or acceptance of the proposal. If you are uncertain what may be a material fact, you should consult your broker. You are recommended to request a specimen copy of the proposed policy wording from your insurance broker and to consider carefully the terms, conditions, limitations and exclusions applicable to the coverage.

  • Broker Information

  • Format: (000) 000-0000.
  • Applicant Information

  • Format: (000) 000-0000.
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  • Premises Information

  • Premises Details - Please add each premises. Use the "Add Premises" button for each premises location. Alternatively, attach separate Statement of Values if necessary.
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  • Business Information

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  • Do you anticipate any major changes in these activities in the forthcoming 12 months?
  • Date when first established:
     - -
    4 digit year, 2 digit month, 2 digit day
  • Form of business:
  • Are these operations the subject of local insurance arrangements?
  • Do your activities include any of the following?

  • a) Berthing facilities for watercraft
  • b) Ownership or operation of any watercraft
  • c) Landing facilities or aircraft
  • d) Ownership or operation of any aircraft
  • e) Railway sidings, terminals or crossings
  • f) Toxic or harmful substances likely to produce significant pollution if not contained on site or correctly discharged
  •  Revenue & Coverage Requirements

  • Detail the amount of annual revenue:
    Rows
  • Date of your fiscal year end:
     - -
    4 digit year, 2 digit month, 2 digit day
  • Do you require General Liability?
  • Do you require Products Liability?
  • Coverage start date:
     - -
    4 digit year, 2 digit month, 2 digit day
  • Subcontractors

  • Do you subcontract any work?
  • a) Are subcontractors required to carry liability insurance?
  • c) Do you obtain insurance certificates from subcontractors?
  • d) Are any hold harmless agreements given by you or in your favour?
  • Do you undertake work away from your premises, other than collection and delivery, sales, promotional trips and exhibitions?
  • Work Away From Premises

  • Complete this section if you undertake work away from your premises, other than collection and delivery, sales, promotional trips and exhibitions.

  • Is work carried out at a height in excess of 15 metres?
  • Is work carried out on or within any of the following?

  • a) Aircraft or airports
  • b) Ships or docks
  • c) Mines
  • d) Chemical, gas or oil processing plant or storage/container installations
  • e) Nuclear plant or installations
  • f) Offshore installations
  • Do you use heat away from your own premises?
  • Products Liability Coverage Information

  • Complete this section if Products Liability coverage is required. 

  • Do you operate as any of the following? Indicate percentage of each.

  • Product Description:
  • List products discontinued and the date discontinued:
  • Have any products been acquired through merger or acquisition?
  • Are any of your products or services used on or in connection with aircraft or the aerospace industry?
  • Are any of your products or services used on or in connection with watercraft and/or offshore operations?
  • Provide details of imported products, including source of origin and amount:
  • Do others manufacture, assemble, package, label or install products under your name or brand?
  • Do you manufacture, assemble, package, label or install products for others under their name or brand?
  • Do any of your products require an accompanying hazard warning or are known to be harmful to health?
  • Do you design or prepare specifications for the products you supply?
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  • Are your products designed, tested, labelled and manufactured to meet or exceed all industry or government standards?
  • For U.S.:

    ASTM F963-23 Regulations
    California Proposition 65 Test Report
    Consumer Product Safety Improvement Act of 2008, CPSIA
    EN62115 Regulations
    FCC Regulations
    ROHS Regulation
    UN38.3 Battery Regulation
    WERCS Registration

    For EU: 

    Directive 2009/48/EC: Safety of Toys Directive IEC 62115: 2020 + A11:2020, Electronic Toys
    EN71-1: 2014 + A1:2018, EN 71-2:2020, EN 71-3: 2019 + A1:2021
    Regulation (EC) No 1907/2006: REACH Regulation ICP-OES, UV-Vis, HPLC, LC-MS-MS, GC GC-MS and colourimetric method
    Directive 2011/65/EU: RoHS Directive, Restriction of Hazardous Substances, IEC 62321 3-1:2013, IEC 62321-5:2013, IEC 62321-4+AMD:2017, IEC 62321-7:2015, IEC 62321-8:2017
    Directive 2014/53/EU: RED, Radio Equipment Directive, ETSI EN 301 489-1 V2.2.3 (2019-11), ETSI EN 301 489-3 V2.3.2 (2023-01), ETSI EN 301 489-17 V3.2.4 (2020-09)
    Regulation (EU) 2023/1542, batteries and waste batteries, IEC 62113, Li-ion Battery Testing
    Directive 2001/95/EC: General Product Safety Directive, GPSD

  • Quality Control & Record Keeping

  • Do your records indicate to whom and the date each product was sold/distributed?
  • Do you retain rights of recourse against manufacturers/suppliers?
  • Do you require certificates evidencing Products Liability insurance from suppliers?
  • Have you recalled or are considering recalling any product from the market?
  • Contractual Liability

  • Have you entered into any contract which imposes upon your liability for which you would not otherwise be liable?
  • Do you use a standard form of contract, agreement or letter of appointment?
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  • Insurance History

  • Have you previously been insured or are you currently insured?
  • e) Date of Expiry
     - -
    4 digit year, 2 digit month, 2 digit day
  • During the past 5 years, has any company ever cancelled, declined or refused to issue similar insurance to the Applicant?
  • Have you or any of your directors or partners ever been charged with a criminal offence other than a motor vehicle offence?
  • Claims History

  • Please provide loss experience for the last five years, including total costs from the ground up for each claim, whether insured or not, including defence costs and expenses. Include loss experience of companies which have been taken over or merged with your company.
  • Claims History
    Rows
  • Are you aware of any other incidents which may result in a claim against you?
  • Loss Prevention

  • Do you have a Health and Safety Policy which is available to your employees and visitors?
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  • Do you have written procedure for the handling of complaints about your products or services and accidents or injuries involving your products or services?
  • Do you provide first aid facilities?
  • Do you employ a security officer and/or loss prevention engineer?
  • Required Attachments

  • Please check to ensure that all questions have been answered and that you have attached the following:
    • A copy of your standard form of contract, agreement or letter of appointment, if utilized
    • A copy of any brochure or sales literature available in relation to your activities
    • Health and Safety policy
    • Product brochures, catalogues, instruction manuals and product safety literature, if Products Liability coverage is required
    • Any continuation sheets required to fully answer the application questions
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  • Declaration

  • I hereby declare that I am authorized to complete this proposal on behalf of the Applicant and that the statements and particulars in this proposal are true and complete and no material facts have been mis-stated or suppressed.
    I undertake to inform Underwriters of any material alteration or addition to these statements or particulars which occurs before any contract of insurance based on this proposal is effected, and acknowledge that this proposal, together with any other information supplied to Underwriters, shall be the basis of such contract.
  • THE UNDERSIGNED HEREBY ACKNOWLEDGES THE TRUTH OF THE STATEMENTS CONTAINED HEREIN.

  • I AUTHORIZE YOU TO COLLECT, USE AND DISCLOSE PERSONAL INFORMATION AS PERMITTED BY LAW, IN CONNECTION WITH YOUR COMMERCIAL INSURANCE POLICY OR A RENEWAL, EXTENSION OR VARIATION THEREOF, FOR THE PURPOSES NECESSARY TO ASSESS THE RISK, INVESTIGATE AND SETTLE CLAIMS, AND DETECT AND PREVENT FRAUD, SUCH AS CREDIT INFORMATION, AND CLAIMS HISTORY.
  • For purposes of the Insurance Companies Act (Canada), this document was issued in the course of Lloyd's Underwriters' insurance business in Canada.
  • The signatory should be a director or senior officer of, or partner in, the Applicant
  • Should be Empty: