Benefits

Benefits Package

A full range of employee benefits are included in our service free of charge. These include:

Public Liability Insurance

This policy protects you against your legal liability where you accidentally cause damage or loss to someone else’s property. You are also covered if you accidentally cause injury to someone whilst working at a client’s premises. Cover is provided for damages:

Indemnity of £5,000,000 for any one event

Employer’s Liability Insurance

Indemnity of £10,000,000 for any one event

Professional Indemnity

This policy provides financial protection for you and is designed to meet the cost of defending claims made against you, including damages that may become payable. More and more agencies/clients require this form of insurance as part of their contract, the AMUK scheme means that you do not need to take out your own policy.

Indemnity of £2,000,000 for each claim

Geographical coverage Worldwide (excluding claims first brought in the USA/Canada).

Group Life Insurance

Membership of the Albany Group Life Plan is available to all employees of AMUK, provided they are normally resident in the UK and under the age of 66.

As of the 1st September 2006 all AMUK employees have their lives insured for a sum of £100,000. This policy is insured through Norwich Union.

Group Personal Accident & Long-term Illness cover

The age limit is 66 years and under at the date of inception.

Benefits payable in the event of the Insured Person sustaining Accidental Bodily Injury

Benefit Payable	Sum Payable
1. Permanent Total Loss of Sight of One Eye	2 x Annual Salary
2. Permanent Total Loss of Sight of Both Eyes	2 x Annual Salary
3. Loss of One or More Limb(s)	2 x Annual Salary
4. Permanent Total Loss of Speech	2 x Annual Salary
5. Permanent Total Loss of Hearing a) In One Ear b) In Both Ears	0.50 x Annual Salary 2 x Annual Salary
6. Permanent Total Disablement	2 x Annual Salary
7. Temporary Total Disablement	50% Gross Weekly Wage

Benefits payable in the event of the Insured Person sustaining an Illness

Benefit Payable	Sum Payable
8. Permanent Total Loss of Sight of Both Eyes	2 x Annual Salary
9. Permanent Total Disablement by Paralysis	2 x Annual Salary
10. Temporary Total Disablement	50% Gross Weekly Wage

Additional Benefits

Medical Expenses: Medical Expenses incurred in respect of Benefits 8 will be paid in addition by the Underwriters up to but not exceeding 20% of any claim admitted under such item.

Funeral Expenses: In the event of the death by accident of an Insured Person, Underwriters will pay to the Insured Person’s estate up to £2,500 for Funeral Expenses.

Personal Effects: In the event of Bodily Injury of an Insured Person which is the subject of a valid claim under this Insurance, and from the same occurrence suffers loss or damage to clothing and/or personal effects, the Underwriters will reimburse the Insured Person in respect of such loss or damage to property up to a limit of £150 in respect of any one claim.

Maximum Sum Insured

Items 1-5, 5(b) & 6, 8 & 9	£500,000
Item 5a	£125,000
Item 7 & 10	£2,500 per week

Limit any one occurrence: £5,000,000

Geographical Limits: Worldwide

Independent Financial Advice

At AMUK we provide the most comprehensive cover in the industry. We also have our own Independent Financial Adviser.

Our IFA will ensure the savings you receive through using AMUK are optimised with full advice on tax mitigation co-ordinating with AMUK accountants as well as introducing you to a contributory pension scheme which will help to further reduce your tax liability.

We will also process your basic self-assessment tax return at no added cost for any year ending 5th April, providing you have been an employee of AMUK for at least 6 months at 5th April.

If you have queries in respect of any of the above schemes or if you need to make a claim, please contact 0207 280 4216.