One policy. Several types of business protection.
thestevenage.app is operated by 1STKLASS LTD (company number 16619410), registered in England and Wales. Registered office: Suite 468, 80A Ruskin Avenue, Welling, DA16 3QQ, United Kingdom.
Cover period
We have arranged business insurance for the period 00:01 on 17 November 2026 to 00:01 on 17 November 2027, UK local time. The cover does not start before 17 November 2026. This summary was checked on 13 November 2026.
Main protections
- Public liability — £2 million each claim. For qualifying liability for injury to third parties or damage to their property arising from the insured business activities.
- Employers’ liability — £10 million each claim. For qualifying liability for work-related injury or illness affecting employees.
- Professional liability / professional indemnity — £500,000 each claim for the main sections. Includes covered technology products and services liability, breach of contract and subcontractor vicarious liability.
- Network security and privacy liability — £500,000 each claim for the main sections. For qualifying claims involving network security or privacy failures.
- Cyber incident response — £100,000 each claim for the main response sections. Includes covered incident response, legal, forensic, crisis communication and privacy-breach management costs. Some additional benefits have lower limits.
- System damage and cyber business interruption — £100,000 each claim for the main sections. Includes covered system recovery, hardware replacement and income loss or increased working costs. Waiting periods, indemnity periods and lower sublimits apply to some benefits.
- Intellectual property and media liability — £100,000 each claim. For qualifying infringement and media claims within the insured activities.
- Cyber crime — £25,000 each claim under the specified sections confirmed by our broker. The broker’s written amendment covers specified fraud losses, including funds-transfer fraud and invoice manipulation, with a £0 deductible. Corrected policy-specific documentation has been requested; this summary does not extend the written amendment or include cyber extortion.
- Other general liability protections. Products liability, personal and advertising injury, and pollution liability each have a stated £2 million aggregate section limit, subject to the policy definitions and exclusions.
These are selected section limits within one combined policy, not separate policies or amounts to add together. Defence costs and expenses are included within many liability limits. Public/general liability sections carry a £500 deductible per claim; the main professional and cyber sections listed above generally carry a £0 deductible. The policy wording, endorsements, sublimits and claims conditions determine whether and how a particular claim is covered.
Who and what the policy covers
The insured business is 1STKLASS LTD. Our broker has confirmed the disclosed website, app, client digital-services and booking-platform activities, including the digital services offered through ha. and the Knebworth Event Parking booking platform, within the scope of the bound policy.
Knebworth Event Parking: our role is a booking intermediary. This confirmation does not cover us physically operating a car park or taking custody of vehicles. It does not provide a parking host, driver, listed business or app user with their own insurance. Hosts must arrange insurance appropriate to their own activities.
Limits and exclusions
The policy is not a guarantee against every loss. Cyber extortion, standalone employee-crime cover, general commercial-property cover and general non-cyber business interruption are not included in this cover summary. The policy also contains exclusions for specified consent and website/app accessibility claims. Insurance does not replace our responsibilities for security, privacy, accessibility or reasonable care.
Provider and enquiries
Policy reference: ESP0041066696. The CFC Technology policy is arranged through Cyber Cover Ltd, an appointed representative of Duncan Clark (Insurance Brokers) Ltd. It is underwritten by certain underwriters at Lloyd’s and other insurers; the schedule identifies Asta Managing Agency Limited on behalf of CFC 1988 and AXA XL Underwriting Agencies Limited on behalf of XLC 2003 as the relevant lead insurers. CFC Underwriting Limited is the claims manager.
The schedule states worldwide territorial scope and legal action, subject to the policy’s jurisdiction, sanctions and other restrictions. For provider information, see CFC. For confirmation relevant to a particular service, please contact us.
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