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Date: Wed, 11 Jun 2025 15:55:09 +0100
From: sales@expressmusic.co.uk
To: Sarita Bedi <sarita.bedi@covernotes.co.uk>
Subject: Re: Express Music Ltd - 60393886 - 9219630
In-Reply-To: <VE1PR01MB56164F2571FD78EB76EE24E9DE75A@VE1PR01MB5616.eurprd01.prod.exchangelabs.com>
References: <VE1PR01MB56164F2571FD78EB76EE24E9DE75A@VE1PR01MB5616.eurprd01.prod.exchangelabs.com>
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Hi
Info below
Let me know if you need anything else
Phil
Express Music

For the upcoming renewal, the following information is required, could 
you please respond to this email with the answers.
•	Your current turnover? £400k
•	Current gross profit? £165k
•	Do you export to North America? no
•	If so what % of turnover would go to this? zero
•	Your total number of employees 3 (including director)

Director and clerical	1

Sales and light manual staff	2

Heavy manual and manufacturing staff	0

Any staff working above 3m in height	0

  •	Are you a member of MIA? NO

•	Do you have any of the following at the premises:

Additional physical security (e.g. Bars or Grills on windows, roller 
shutters or monitored CCTV) - YES Roller shutters, & monitored cctv 
(motion activated)
Do you have an Intruder alarm ? (Intruder alarm requirements below)	 Yes
Alarm – monitored, Grade 2 or Grade 3?	 Grade 2
Monitored smoke alarm and/or sprinkler system and/or VESDA system.	No

Modern (post 2010 build) standard construction building	- Built 2022, 
steel frame building
A documented and evidenced business continuity plan in place - no

DP2 signalling alarm

Please note that for Stock/Contents sums insureds that exceed £50,000, 
it is required that your intruder alarm must be of Grade 2 (DP2 
Signalling) or higher or DP3 Signalling if stock exceeds £250,000* 
unless otherwise agreed. Please let us know what kind of alarm you have 
. https://ecl-ips.com/security/intruder-alarm-monitoring/

DP2 signalling alarm

On 2025-06-11 10:26, Sarita Bedi wrote:
> Good morning Philip,
> 
> Client Number: 60393886
> Policy Number: 9219630
> 
> I hope you are keeping well. I am writing as the Account Handler of
> your policy, all my contact details can be found at the end of this
> email,
> 
> As you may be aware your Cover Notes Business Insurance policy is up
> for renewal on 19/07/2025
> 
> To prepare your renewal for you, we would like to confirm the below,
> to ensure we have all your details up to date and correct.
> 
> Required Information
> 
> For the upcoming renewal, the following information is required, could
> you please respond to this email with the answers.
> 
>  	* Your current turnover? £
> 	* Current gross profit? £
> 	* Do you export to North America?
> 	* If so what % of turnover would go to this?
> 	* Your total number of employees
> 
> Volume if 10 or less
> 
> Total wage roll if over 11
> 
> Director and clerical
> 
> ​
> 
> Sales and light manual staff
> 
> ​
> 
> Heavy manual and manufacturing staff
> 
> ​
> 
> Any staff working above 3m in height
> 
> ​
> 
>  	* Are you a member of MIA?
> 
> (Music Industries Association) MIA | The trade body for the UK musical
> instrument industry [1]
> 
>  	* Do you have any of the following at the premises:
> 
> Additional physical security (e.g. Bars or Grills on windows, roller
> shutters or monitored CCTV)
> 
> Do you have an Intruder alarm ?
> (_Intruder alarm requirements below_)
> 
> Alarm – monitored, Grade 2 or Grade 3?
> 
> Monitored smoke alarm and/or sprinkler system and/or VESDA system.
> 
> ​
> 
> Modern (post 2010 build) standard construction building
> 
> A documented and evidenced _business continuity _plan in place
> 
> Please note that for Stock/Contents sums insureds that exceed
> £50,000, it is required that your intruder alarm must be of Grade 2
> (DP2 Signalling) or higher or DP3 Signalling if stock exceeds
> £250,000* unless otherwise agreed. Please let us know what kind of
> alarm you have .
> https://ecl-ips.com/security/intruder-alarm-monitoring/ [2]
> 
> If you have any changes to make to the cover, sums insured, or policy
> terms then please contact me with the information.
> It is important that you also disclose all material facts, which might
> include any CCJ’s or convictions (motoring or non-motoring). If you
> are unsure what needs to be disclosed then talk to us and we can let
> you know, to assist we have attached an Essential Client Guide which
> provides further guidance.
>  If you no longer require the policy for any reason, then please
> contact us urgently letting us know.
> 
> Once we have your response to the above, we will prepare your renewal
> based on existing terms.
> 
> I very much look forward to working with you going forward.
> 
> Kindest regards
> 
> Sarita
> 
>  Sarita Bedi
>  Account Handler
> 
>  T: 0203 846 5251
>  E: sarita.bedi@covernotes.co.uk
> www.covernotes.co.uk [3]
> 
> 		If you instruct us to arrange or amend an insurance policy by email,
> there will be no insurance in force until we have confirmed cover to
> you. This email message is private and confidential, and is sent for
> the personal attention of the addressee only. It may contain
> information covered by legal, professional or other privilege. If it
> arrived with you in error, please accept our apologies; we would
> appreciate you returning it to us. Cover Notes is a trading name of
> Howden UK Brokers Limited, which is authorised and regulated by the
> Financial Conduct Authority registration number 307663. Our terms of
> business may be viewed at here [4]. Registered Office: One Creechurch
> Place, London, EC3A 5AF. Companies House registration Number 02831010.
> 
> 
> 
> 
> Links:
> ------
> [1] https://www.mia.org.uk/
> [2] https://ecl-ips.com/security/intruder-alarm-monitoring/
> [3] https://www.covernotes.co.uk
> [4] https://www.covernotes.co.uk/terms-of-business-agreement/