Public and Products Liability Section

Transcription

1 Pul nd Produts Llty Seton Defntons 1 Injury A B Bodly njury, deth, dsese, llness, mentl njury, mentl ngush or nervous shok nvson of the rght of prvy, flse rrest, flse mprsonment, flse evton or mlous proseuton of ny person. 2 Employee A B Any person under ontrt of serve or pprenteshp wth the lnsured Any of the followng persons whlst workng for the lnsured n onneton wth the Busness ny lour mster or lour only suontrtor or person suppled y hm ny self-employed person provdng lour only ny home worker or outworker v ny trnee or person undergong work experene v ny voluntry helper v ny person who s orrowed y or hred to the lnsured nludng persons on seondment from overses ountres v ny person workng under the Communty Offenders At 1978, the Communty Serve y Offenders (Sotlnd) At 1978 or smlr legslton v ny prospetve employee eng ssessed y the Insured s to ther sutlty for employment x ny person ourt of lw n the Unted Kngdom deems to e n employee 3 Busness The Busness spefed n the Shedule nd nludng A B C D E F G H I the ownershp repr nd mntenne of Premses used n onneton therewth the provson nd mngement of nteen, sol, sports or welfre orgnstons for the eneft of Employees fre nd seurty serves of the Insured mulne, frst d nd medl serves the exeuton of prvte dutes y Employees for ny dretor prtner or senor offl of the Insured the repr nd/or servng of the Insured s motor vehles the trnng or retrnng of ny Employee t Government or other trnng entres prtpton t trde shows, exhtons or onferenes the orgnston of or prtpton y the Insured n fund rsng or other hrtle events the provson of nursery rèhe or hld re fltes where ndentl to the Busness the provson of r prkng for the eneft of Employees ustomers nd vstors 1

2 4 Defned Terrtores The Unted Kngdom or ny other ountry spefed n the Shedule. 5 Terrtorl Lmts Anywhere n the world n onneton wth the Busness onduted y the Insured from Premses wthn the Defned Terrtores. 6 Produts Any goods or other property (nludng ther ontners, pkgng, lellng nd nstrutons for use) sold, suppled, delvered, nstlled, ereted, repred, ltered, treted or tested y the Insured n onneton wth the Busness nd not n the hrge or ontrol of the Insured. 7 Polluton or Contmnton A B All polluton or ontmnton of uldngs or other strutures or of wter or lnd or the tmosphere; nd ll Injury, loss or dmge dretly or ndretly used y suh polluton or ontmnton. All Polluton or Contmnton whh rses out of one ndent shll e deemed to hve ourred t the tme suh ndent tkes ple. 8 Offshore Instlltons A B C D Any nstllton n the se or tdl wters whh s ntended for underwter explotton of mnerl resoures or explorton wth vew to suh explotton ny nstllton n the se or tdl wters whh s ntended for the storge or reovery of gs ny ppe or system of ppes n the se or tdl wters ny nstllton whh s ntended to provde ommodton for persons who work on or from the lotons spefed n A., B. or C. ove. 9 An At of Terrorsm An t nludng ut not lmted to the use of fore or volene nd/or thret thereof of ny person or group(s) of persons whether tng lone or on ehlf of or n onneton wth ny orgnston(s) or government(s) ommtted for poltl relgous deologl or smlr purposes nludng the ntenton to nfluene ny government nd/or to put the pul or ny seton of the pul n fer. 2

3 10 Asestos Asestos or fres or prtles of sestos or ny mterl ontnng sestos. 11 Intelletul Property Rghts Any ptent trde mrk opyrght regstered desgn tehnl or ommerl nformton or other ntelletul property. 12 Property Mterl property exludng Dt. 13 Dt Fts, onepts nd nformton onverted to form usele for ommuntons, nterpretton or proessng y eletron nd eletromehnl dt proessng or eletronlly ontrolled equpment nd suh fts onepts nd nformton shll nlude progrmmes, softwre nd other oded nstrutons for the proessng nd mnpulton of dt or the dreton nd mnpulton of suh equpment. 14 Fung Any type or form of fungus nludng mould or mldew or ny myotoxns spores sents or y-produts produed or relesed y fung. 15 Sl Slon doxde (ourrng n rystllne morphous nd mpure forms) sl prtles sl dust or sl ompounds. 16 Sl-relted Dust A mxture or omnton of Sl nd other dust or prtles. 17 Lol Poly A poly ssued outsde of the Unted Kngdom to the Insured n ordne wth the detls lodged wth the Insurer 18 Other Costs nd Expenses Costs nd expenses nurred y the Insurer or wth the wrtten onsent of the Insurer n onneton wth the defene of ny lm for representton of the Insured t ny oroner s nquest or ftl dent nqury n respet of deth t proeedngs n ny ourt of summry jursdton or on ndtment n ny hgher ourt n respet of ny lleged reh of sttutory duty resultng n Injury loss or dmge whh my e the sujet of ndemnty under ths Seton. 3

4 19 Neghours Llty The fnnl onsequenes of the legl llty whh the Insured my nur under ny Npoleon or smlr vl or ommerl ode for ny loss of or dmge to ny mterl property resultng from fre or exploson spredng to the mterl property of neghours nd tennts from premses whh the Insured own, hre or rent. 20 Tennts Clms gnst the Insured s Lndlord The fnnl onsequenes of the legl llty whh the Insured my nur s lndlord under ny Npoleon or smlr vl or ommerl ode for ny loss of or dmge to ny mterl property y fre or exploson used to the mterl property of tennts s result of onstrutonl defets or lk of mntenne. 21 Tennts Llty The fnnl onsequenes of the legl llty whh the Insured my nur s tennt n respet of loss of or dmge to mterl property under ny Npoleon or smlr vl or ommerl ode. 4

5 Cover The Insurer wll ndemnfy the Insured gnst legl llty to py ompenston nd lmnts osts nd expenses n respet of dentl Injury to ny person physl loss of or physl dmge to Property nusne, trespss, ostruton or nterferene wth ny rght of wy, lght, r or wter ourrng wthn the Terrtorl Lmts durng the Perod of Insurne n onneton wth the Busness. In ddton the Insurer wll py Other Costs nd Expenses. Lmt of Indemnty A The Insurer s llty for ll ompenston pyle n respet of ny one ourrene or ll ourrenes of seres onsequent on or ttrutle to one soure or orgnl use ll Injury, loss nd dmge ourrng durng ny one Perod of Insurne nd used y or rsng from Produts ll Polluton or Contmnton whh s deemed to hve ourred durng ny one Perod of Insurne shll not exeed the Lmt of Indemnty stted n the Shedule. B In respet of ll lms gnst the Insured mde wthn the legl jursdton of the Unted Sttes of Amer or Cnd or ny dependeny or trust terrtory the Lmt of Indemnty shll e nlusve of the mount of ll lmnts osts nd expenses osts nd expenses nurred y the Insurer or wth the wrtten onsent of the Insurer n onneton wth the defene of suh lms. Provded tht n respet of n At of Terrorsm the llty of the Insurer shll not exeed the Lmt of Indemnty stted n the Shedule or 5,000,000 (whhever s the lesser). If the Insurer lleges tht y reson of ths lmtton ny loss dmge ost or expense s not overed the urden of provng the ontrry shll e upon the Insured. n respet of the ndemnty provded under ths Seton for Extenson K Corporte Mnslughter nd Corporte Homde At 2007 Legl Defene Costs: the llty of the Insurer shll not exeed 5,000,000 or the Lmt of Indemnty stted n the Shedule (whhever s the lesser) n ny one Perod of Insurne ll mounts pyle wll form prt of nd not e n ddton to the Lmt of Indemnty stted n the Shedule where the Insurer hs lredy ndemnfed the Insured n respet of legl osts or expenses nurred n onneton wth the defene of ny rmnl proeedngs (nludng ppels gnst onvton rsng from suh proeedngs) rsng out of the sme use or ourrene whh gve rse to sd proeedngs under nother Seton of the Poly the mount pd under tht Seton shll ontrute to the mxmum mount pyle under ths Seton. 5

6 Extensons (Sujet to the terms lmts ondtons nd exlusons of ths Seton nd the Poly) A Indemnty to Other Prtes The ndemnty provded y ths Seton wll lso pply: n the event of the deth of the Insured, to ny personl representtve of the Insured n respet of llty nurred y the Insured nd f the lnsured so request the lnsurer wll ndemnfy the followng prtes ny offer or ommttee memer or other memer of the Insured s nteen, sol, sports, welfre orgnstons, fre nd seurty serves or mulne, frst-d nd medl serves gnst llty nurred n suh pty ny prtner, dretor or Employee of the lnsured gnst llty nurred n suh pty nd n respet of whh the lnsured would hve een enttled to ndemnty under ths Seton f the lm hd een mde gnst the lnsured s though eh prty ws ndvdully nmed s the lnsured n ths Seton d ny prnpl for whom the lnsured hve greed to exeute work under ontrt or greement gnst llty rsng out of the performne of suh work y the lnsured nd n respet of whh the lnsured re leglly lle nd would hve een enttled to ndemnty under ths Seton f the lm hd een mde gnst the lnsured. Provded tht eh suh prty shll oserve fulfl nd e sujet to the terms nd ondtons of ths Seton n so fr s they n pply the Insurer s llty to the lnsured nd ll prtes ndemnfed shll not exeed n totl the Lmt of Indemnty stted n the Shedule. B C Jont Insured Cross Lltes If more thn one prty s nmed s the Insured ths Seton shll pply s though eh were nsured seprtely provded tht the Insurer s llty to ll prtes ndemnfed shll not exeed n totl the Lmt of Indemnty stted n the Shedule. Overses Personl Llty The Busness s extended to nlude personl tvtes (not onneted wth ny gnful oupton or professon nor wth the ownershp or tenure of ny lnd or uldng) of ny prtner, dretor or Employee of the Insured or fmly memer of suh prtner, dretor or Employee normlly resdent wthn the Europen Unon n the ourse of ny journey or temporry vst to ny other ountry mde n onneton wth the Busness. 6

7 D Motor Contngent Llty The Insurer wll ndemnfy the Insured n the terms of ths Seton gnst llty rsng out of the use n onneton wth the Busness of ny vehle not owned, provded or eng drven y the Insured ut ths Seton does not over llty d n respet of loss of or dmge to suh vehle rsng out of ny suh use n ny ountry outsde the Europen Unon nurred y ny prty other thn the Insured nurred y ny prty dentfed n Extenson A. (Indemnty to Other Prtes) other thn n Employee. For the purpose of ths over Exluson 1. (Injury to Employees) does not pply. E Helth nd Sfety t Work Legl Defene Costs The Insurer wll ndemnfy the Insured nd f the Insured so request ny prtner, dretor or Employee of the Insured n the terms of ths Seton n respet of osts nd expenses nurred wth the Insurer s wrtten onsent osts nd expenses of the proseuton wrded gnst ny suh prty n onneton wth rmnl proeedngs or n ppel gnst onvton rsng from suh proeedngs rought n respet of ny offene under the Helth nd Sfety t Work et. At 1974 or the Helth nd Sfety t Work (Northern Irelnd) Order 1978 or the Sfety, Helth nd Welfre t Work At 2005 (Repul of Irelnd) ommtted or lleged to hve een ommtted durng the Perod of Insurne n onneton wth the Busness Provded tht the proeedngs relte to the helth, sfety or welfre of ny person other thn n Employee the Insurer shll hve the ondut nd ontrol of ll the sd proeedngs nd ppels. The Insurer wll not py for fnes or penltes of ny knd proeedngs or ppels n respet of ny delerte or ntentonl rmnl t or omsson osts or expenses nsured y ny other nsurne. 7

8 F Dt Proteton At The Insurer wll ndemnfy the Insured nd f the Insured so requests ny Employee or dretor or prtner of the Insured for dmge or dstress ourrng s result of n offene under Seton 13 of the Dt Proteton At 1998 ommtted durng the Perod of Insurne wthn the Unted Kngdom nd rsng n onneton wth the Busness provded tht the Insured s regstered user n ordne wth the terms of the Dt Proteton At The Insurer wll not py for d e ny dmge or dstress used y delerte t or omsson y the Insured the result of whh ould resonly hve een expeted y the Insured hvng regrd to the nture nd rumstnes of suh t or omsson the pyment of fnes or penltes the osts nd expenses of replng rensttng retfyng or ersng lokng or destroyng ny Dt or Personl Dt ny dmge or dstress used y ny t of frud or dshonesty llty rsng from the reordng, proessng or provson of Dt or Personl Dt for rewrd or to determne the fnnl sttus of ny person. Dt nd Personl Dt shll hve the menng defned n the Dt Proteton At G Defetve Premses At 1972 The Insurer wll ndemnfy the Insured n the terms of ths Seton gnst llty nurred y the Insured under Seton 3 of the Defetve Premses At 1972 or Seton 5 of the Defetve Premses (Northern Irelnd) Order 1975 or the Defetve Premses (Lndlord s Llty) At (Northern Irelnd) 2001 n onneton wth premses or lnd dsposed of y the Insured. Provded tht ths Extenson does not over the osts of retfyng ny dmge or defet n the premses or lnd dsposed of llty for whh the Insured s enttled to ndemnty under ny other nsurne the presene of Asestos. 8

9 H Consumer Proteton nd Food Sfety Ats Legl Defene Costs The Insurer wll ndemnfy the Insured nd f the Insured so request ny prtner, dretor or Employee of the Insured n the terms of ths Seton n respet of legl osts nd expenses nurred wth the wrtten onsent of the Insurer n onneton wth the defene of ny rmnl proeedngs or n ppel gnst onvton rsng from suh proeedngs rought n respet of ny offene under Prt 2 of the Consumer Proteton At 1987 or Seton(s) 7, 8, 14, nd/or 15 of the Food Sfety At 1990 ommtted or lleged to hve een ommtted durng the Perod of Insurne n onneton wth the Busness Provded tht the Insurer shll hve the ondut nd ontrol of ll the sd proeedngs nd ppels. The Insurer wll not py for fnes or penltes of ny knd proeedngs or ppels n respet of ny delerte t or ntentonl t or omsson osts or expenses nsured y ny other poly. I Court Attendne Compenston If durng the Perod of Insurne ny prtner, dretor or Employee of the Insured s requred to ttend ourt s wtness t the request of the Insurer n onneton wth lm whh s the sujet of ndemnty under ths Seton the Insurer wll py ompenston to the Insured on the followng sle for eh dy tht ttendne s requred: ny dretor or prtner 750 ny Employee 250. J Contrtul Llty In respet of llty ssumed y the Insured y ontrt or greement entered nto y the Insured nd whh would not hve tthed n the sene of suh ontrt or greement, the ndemnty provded y ths Seton shll only pply f the sole ondut nd ontrol of ny lm s vested n the Insurer Provded tht the Insurer shll not n ny event provde ndemnty under Exluson 9 exept s stted theren n respet of lqudted dmges or fnes or dmges mposed y or pyle under ny penlty luse. 9

10 K Corporte Mnslughter nd Corporte Homde At 2007 Legl Defene Costs The Insurer wll ndemnfy the Insured n respet of legl osts nd expenses nurred wth the pror wrtten onsent of the Insurer nd osts of the proseuton wrded gnst the Insured n onneton wth the defene of ny rmnl proeedngs (nludng ny ppel gnst onvton rsng from suh proeedngs) rought under The Corporte Mnslughter nd Corporte Homde At 2007 or ny equvlent legslton n the Chnnel Islnds or the Isle of Mn n respet of ny ftl njury ourrng durng the Perod of Insurne n the ourse of the Busness nd whh my e the sujet of ndemnty under ths Seton Provded tht the Insurer grees detls of the spef soltor or ounsel who re to t on ehlf of the Insured pror to ther ppontment The Insurer wll not py for v v ny fnes or penltes mposed on the Insured or the ost of mplementng ny remedl order or pulty order legl osts nd expenses n onneton wth n ppel unless soltor or ounsel dvse tht there re strong prospets of sueedng n the ppel or reoverng osts wrded gnst the Insured t ll tmes throughout the ppels proess. Any hnge to suh prospet of suess durng the ppels proess my result n over eng removed osts nd expenses provded y nother soure or ny other nsurne or where ut for the exstene of ths Extenson would hve een provded y suh soure or nsurne osts nd expenses n onneton wth the defene of ny rmnl proeedngs rought n ny ountry other thn n the Unted Kngdom osts nd expenses n onneton wth the defene of ny rmnl proeedngs resultng from ny delerte or ntentonl rmnl t or omsson y the Insured or ny prtner or dretor of the Insured or ny Employee. L Ostrutng Mehnlly Propelled Vehles If mehnlly propelled vehle whh s not the property or responslty of the Insured uses n ostruton wthn the Unted Kngdom to the extent of nterferng wth the rryng out of the Busness then notwthstndng Exluson 5 (Mehnlly Propelled Vehles) the Insurer wll ndemnfy the Insured n the terms of ths Seton n respet of the legl llty of the Insured for Injury or loss of or dmge to mterl property rsng from the movement of suh vehle y the Insured or y ny Employee Provded tht suh movement shll e lmted to the mnmum neessry to ler the ostruton the ndemnty wll not pply to loss of or dmge to suh vehle or ts ontents ths Extenson shll not pply to rumstnes for whh ertfte of nsurne or seurty s requred n ordne wth rod trff legslton. 10

11 Exlusons Ths Seton does not over 1 Injury to Employees llty n respet of Injury to ny Employee rsng out of nd n the ourse of the employment or enggement of suh person y the Insured. 2 Work on Offshore Instlltons llty n respet of Injury, loss or dmge rsng n onneton wth work on or trvel to or from Offshore Instlltons. 3 Fnes, penltes, lqudted, puntve, exemplry or ggrvted dmges llty n respet of fnes, penltes or lqudted dmges puntve, exemplry or ggrvted dmges or ny dmges resultng from the multplton of ompenstory dmges. 4 Polluton or Contmnton llty n respet of Polluton or Contmnton ourrng n the Unted Sttes of Amer or Cnd or ny dependeny or trust terrtory, or ny other ountry spefed n the Shedule Polluton or Contmnton ourrng elsewhere unless used y sudden dentfle unntended nd unexpeted ndent whh tkes ple n ts entrety t spef tme nd ple durng the Perod of Insurne. 5 Mehnlly Propelled Vehles llty rsng out of the ownershp, possesson or use y or on ehlf of the Insured of ny mehnlly propelled vehle (or trler tthed thereto) whh s requred y ny rod trff legslton to e the sujet of ompulsory nsurne or other seurty ut ths Exluson shll not pply whle suh vehle s eng used s tool of trde (other thn n respet of llty whh s ompulsorly nsurle under ny Rod Trff At or smlr lw) n respet of the lodng or unlodng of suh vehle or the delvery or olleton of goods to or from suh vehle exept where more speflly nsured y ny other poly. 6 Vessels or Crft llty rsng out of the ownershp, possesson or use y or on ehlf of the Insured of ny rrft or other erl deve mde or ntended to trvel through r or spe ny wter-orne vessel or rft other thn those used for usness entertnment purposes wthn nlnd wters hnd propelled or slng wterrft whlst wthn nlnd wters nd not exeedng 75 feet n length 11

12 7 Property n the hrge or ontrol of the Insured llty n respet of loss of or dmge to ny property elongng to or n the hrge or ontrol of the Insured other thn personl effets or vehles of ny prtner, dretor or Employee of or vstor to the Insured premses (nd ther ontents) not elongng, lesed, rented or hred to the Insured ut temporrly n the hrge of the Insured for the purpose of rryng out work premses (nludng ther fxtures nd fttngs) lesed, rented or hred to the Insured ut ths Seton does not over llty tthng to the Insured solely under the terms of ny tenny or other greement. 8 Dmge to Goods Suppled llty n respet of loss of or dmge to ny goods or other property sold, suppled, delvered, nstlled or ereted y or on ehlf of the Insured ll osts of or rsng from the need for mkng good, removl, repr, retfton, replement or rell of ny suh goods or property ny defetve work exeuted y or on ehlf of the Insured exept tht 8.. nd 8.. ove shll not pply to llty n respet of loss of or dmge to the sd goods or property f suh loss or dmge s used y or rses from 1 ny lterton, repr or servng work exeuted 2 ny other goods or property sold, suppled, delvered, nstlled or ereted y the Insured under seprte ontrt. 9 Produts n respet of Injury, loss or dmge used y or rsng from Produts ny llty whh tthes to the Insured solely under the terms of n greement other thn under ny wrrnty of goods mpled y lw under ny ndemnty luse n ny greement etween the Insured nd ny ndependent rrer n respet of Injury, loss or dmge used y Produts entrusted to suh rrer for trnst y rod, rl or wterwy ny Produt nstlled or norported n ny rft desgned to trvel n or through r or spe nd whh to the Insured s knowledge ws ntended to e nstlled or norported n ny suh rft. 10 Adve nd Desgn llty for Injury, loss or dmge rsng out of or n onneton wth dve, desgn, formul, spefton, nspeton, ertfton or testng provded or performed for fee y or on ehlf of the Insured other thn where provded or performed n onneton wth ny Produt. 12

13 11 Contrt Works nd J.C.T. Cluse llty n respet of loss of or dmge to ny property omprsng or to e norported n the ontrt works n respet of ny ontrt undertken y the Insured gnst whh the Insured re requred to effet nsurne under the terms of Cluse of the J.C.T. Condtons of Contrt or of ny other ontrt ondton requrng nsurne of lke knd. 12 Computer Dte Reognton llty rsng dretly or ndretly from the flure of ny omputer or other equpment or system for proessng, storng or retrevng dt, whether the property of the Insured or not, to heve ny or ll of the purposes nd onsequentl effets ntended y the use of ny numer to denote dte nludng the flure orretly to reognse ny dte s ts true lendr dte to reognse, pture, sve, retn, restore nd/or orretly to mnpulte, nterpret, lulte or proess ny dt or nformton or ommnd or nstruton s result of tretng ny dte otherwse thn s ts true lendr dte to reognse, pture, sve, retn, restore nd/or orretly to mnpulte, nterpret, lulte or proess ny dt or nformton s result of the operton of ny ommnd whh hs een progrmmed nto ny omputer softwre or frmwre, eng ommnd whh uses the loss of dt or the nlty to reognse, pture, sve, retn, restore or orretly to mnpulte, nterpret, lulte or proess ny dt on or fter ny dte. 13 At of Terrorsm llty n respet of Injury loss or dmge ost or expense of whtsoever nture dretly or ndretly used y or rsng from n onsequene or n ny wy nvolvng An At of Terrorsm ourrng outsde of the Unted Kngdom. Ths Exluson lso exludes Llty n respet of Injury loss or dmge ost or expense of whtsoever nture dretly or ndretly used y, resultng from or n onneton wth ny ton tken n ontrollng, preventng or suppressng or n ny wy reltng to An At of Terrorsm. If the Insurer lleges tht y reson of ths Exluson, ny Injury loss or dmge ost or expense s not overed y ths Seton the urden or provng the ontrry shll e upon the Insured. In the event ny porton of ths Exluson s found to e nvld or unenforele, the remnder shll remn n full fore nd effet. 13

14 14 Asestos llty dretly or ndretly used y or rsng from the mnufture mnng proessng dstruton testng remedton removl storge dsposl sle use of or exposure to Asestos or mterl or produts ontnng Asestos whether or not there s nother use of loss whh my hve ontruted onurrently or n ny sequene to suh llty Provded tht. n respet of llty for loss of or dmge to mterl property only tht prt of ny suh loss or dmge whh s dretly or ndretly rsng out of or resultng from the mnufture mnng proessng dstruton testng remedton removl storge dsposl sle use of or exposure to Asestos s exluded y the foregong. n respet of llty for Injury only tht prt of ny suh Injury whh s dretly or ndretly rsng out of or resultng from the mnufture mnng proessng dstruton testng remedton removl storge dsposl sle use of or exposure to Asestos s exluded y the foregong Provso s. nd. shll not pply to nd no ndemnty shll e provded for ny lm mde or sut rought gnst the Insured efore ny ourt rtrtor or trunl n North Amer resultng from Asestos n ny form. 15 Fung llty rsng outsde of the Unted Kngdom n respet of Injury loss or dmge dretly or ndretly used y or rsng from n onsequene of or n ny wy nvolvng the tul lleged or thretened nhlton of ngeston of ontt wth exposure to exstene of or presene of ny Fung or ter on or wthn uldng or struture nludng ts ontents regrdless of whether suh uldng or struture elongs to or s lesed rented or hred to the Insured ny other use event mterl or produt ontruted onurrently or n ny sequene to suh Injury or dmge Provded tht ths exluson does not pply to ny Fung or ter tht re, re on or re ontned n goods or produt ntended for onsumpton. ny loss osts or expenses rsng out of the tement testng montorng lenng up removl ontnment tretment detoxfton neutrlston remedton or dsposl of or n ny wy respondng to or ssessng the effets of Fung or ter y the Insured or ny other person or entty. 16 Sl llty rsng outsde of the Unted Kngdom n respet of Injury loss or dmge dretly or ndretly used y or rsng from n onsequene of or n ny wy nvolvng the tul lleged thretened or suspeted nhlton of or ngeston of Sl or Sl-relted Dust. 14

15 17 Nuler Wepons llty osoned y or hppenng through or n onsequene of dmge dretly or ndretly used y or rsng from or n onsequene of or ontruted to y the use or thretened use of ny nuler wepon or nuler wepons mterl ourrng outsde of the Unted Kngdom dspersng rdotve mterl nd/or onsng rdton or usng tom or nuler fsson nd/or fuson or other lke reton 18 Workers Compenston ny sums whh the Insured shll e lled upon to py under ny workers ompenston unemployment ompenston or dslty enefts legslton 19 Wr llty n respet of ny Injury loss or dmge ost or expense of whtsoever nture dretly or ndretly used y resultng from or n onneton wth wr nvson ts of foregn enemes hostltes (whether wr e delred or not) vl wr reellon revoluton nsurreton mltry or usurped power ntonlston onfston requston sezure or destruton y the government or ny pul uthorty. 20 Exess the mount of ny Exess spefed n the Shedule. 15

16 Seton Condtons 1 Other Insurnes The Insurer wll not ndemnfy the Insured n respet of llty whh s nsured y or would ut for the exstene of ths Seton e nsured y ny other poly or seton exept n respet of ny exess eyond the mount pyle under suh other poly or seton or whh would hve een pyle under suh other poly or seton hd ths Seton not een effeted. 2 Alterton n Rsk The Insured must notfy the Insurer s soon s possle f durng the Perod of Insurne there s ny lterton: n or to the Busness n the ownershp of the Insured to the fts or mtters set out n the Shedule or otherwse omprsng the rsk presentton mde y the Insured to the Insurer t nepton, renewl or vrton of the Poly whh mterlly nreses the rsk of legl llty to py osts nd expenses s nsured y ths Seton. Upon eng notfed of ny suh lterton, the Insurer my, t ts solute dsreton d e ontnue to provde over under ths Seton on the sme terms restrt the over provded under ths Seton mpose ddtonl terms lter the premum nel ths Seton nd the Poly. If the Insured fls to notfy the Insurer of ny suh lterton, the Insurer my tret ths Seton nd the Poly s f t hd ome to n end s t the dte of the lterton of the rsk, returnng proportonte mount of the premum for the unexpred Perod of Insurne, f the Insurer would hve nelled ths Seton nd the Poly hd t known of the nrese n rsk tret ths Seton nd the Poly s f t hd ontned suh terms (other thn reltng to premum) or other restrtons (f ny) from the dte of the lterton n rsk s the Insurer would hve ppled hd t known of the nrese n rsk redue proportontely the mount pd or pyle on ny lm, the proporton for whh the Insurer s lle eng lulted y omprng the premum tully hrged s perentge of the premum whh the Insurer would hve hrged hd t known of the nrese n rsk. 16

17 3 Dshrge of Llty The Insurer my solve tself from ny further llty n onneton wth ny ourrene or ll ourrenes of seres onsequent on or ttrutle to one soure or orgnl use y the pyment of the spefed Lmt of Indemnty n respet thereof (fter dedutng therefrom ny sums lredy pd) or y the pyment of ny lne of ny mxmum Lmt of Indemnty for ny one Perod of Insurne whhever s the less, together wth the mount of ny osts nd expenses to the dte of suh pyment. 4 Delrton Condton If the premum or prt of ny premum s lulted on estmtes suppled to the Insurer y or on ehlf of the Insured the Insured shll keep reord of ll suh relevnt prtulrs nd shll llow the Insurer to nspet suh reords t ny resonle tme. The Insured shll furnsh the Insurer wth suh nformton s the Insurer my requre t the expry of eh Perod of Insurne, wthn the perod spefed y the Insurer. The premum shll e djusted nnully nd ny dfferene shll e pd y or returned to the Insured sujet to ny greed mnmum or depost premum spefed n the Shedule. 17

18 Addtonl Cluses The followng luses pply only f referene to them s mde to them eng opertve n the Shedule The over provded under these luses s sujet to the terms, ondtons, exlusons, provsons, lmttons nd defntons of ths Seton nd the Poly. 1. Dfferene n Condtons & Dfferene n Lmts Extenson Should ny Lol Poly y vrtue of ts terms ondtons lmttons nd exlusons not ndemnfy the Insured n whole or n prt the Insurer wll ndemnfy the Insured gnst legl llty nd Other Costs nd Expenses s defned n ths Seton for A the dfferene etween; the terms nd ondtons n the Lol Poly; nd the terms nd ondtons n ths Seton to the extent tht suh ndemnty s not provded y the Lol Poly ut whh would hve een provded hd suh Lol Poly hd the sme terms nd ondtons s ths Seton nd Poly B the dfferene etween; the lmt of ndemnty spefed n the Lol Poly nd the Lmt of Indemnty spefed n the Shedule Provded tht where, nd to the extent tht, under the Lol Poly the lmt of ndemnty nludes legl osts nd expenses the Lmt of Indemnty under ths Seton shll e nlusve of the mount of ll ompenston lmnts osts nd expenses nd Other Costs nd Expenses osts nd expenses re ddtonl to the lmt of ndemnty, the ndemnty provded y the Insurer for lmnts osts nd expenses nd Other Costs nd Expenses shll e lmted to tht proporton whh the mount pyle under ths Seton exludng ll suh osts nd expenses ers to the totl sum pyle under the Lol Poly nd ths Seton exludng ll suh osts nd expenses n respet of eh Lol Poly the Insurer shll not e lle n respet of tht prt of ny loss whh under ny Lol Poly s requred to e orne y the Insured ths Seton shll not provde n ndemnty n respet of the greter of ny dedutle exess or frnhse pplyng under ny Lol Poly nd the frst 5,000 of ll ompenston nd lmnts osts nd expenses pyle n respet of eh nd every lm d e the Insurer shll not e lle where the Lol Poly hs een nelled, lpsed or voded s result of n t or omsson on the prt of the Insured the Insurer shll not e lle where the Lol Poly fls due to the reh of ny ondton or wrrnty ontned theren the llty of the Insurer under ths Extenson shll not exeed the Lmt of Indemnty stted n the Shedule. 18

19 Addtonl Cluses The followng luses pply only f referene to them s mde to them eng opertve n the Shedule The over provded under these luses s sujet to the terms, ondtons, exlusons, provsons, lmttons nd defntons of ths Seton nd the Poly. 1. Dfferene n Condtons of Dfferene n Lmts Extenson (ontnued) Spel Condtons 1 The Lol Poly shll e mntned n fore wthout reduton or restrton n over durng the Perod of Insurne. No lm under ths Extenson shll e pyle unless the terms of ths Spel Condton hve een ompled wth. 2 The Insured shll gve to the Insurer wrtten note s soon s prtle of ny hnge n the sope of the overge or n the lmts of ndemnty under ny Lol Poly nd of the termnton of ny overge or exhuston of ggregte lmts of ny Lol Poly nsurer s llty. 3 Any lm must frst e sumtted to the nsurer of the Lol Poly. 4 The ggregte llty of the Insurer to the Insured (nludng ny susdry nd/or ssoted nd/or fflted ompnes or ny numer of seprte Insured s under ths Seton or ny Lol Poly) shll not exeed the Lmt of Indemnty set out n ths Seton. 5 No overge s provded under ths Seton or Poly due to lk of reovery y the Insured due to nsolveny or other fnnl flure of the nsurer tht ssued the Lol Poly. Provded tht ths Condton shll not pply f the Lol Poly s ssued y n nsurer tht s memer of the Allnz Group. 6 Ths Extenson shll not pply n respet of ny Lol Poly ssued n the Unted Sttes of Amer or Cnd. 7 Indemnty under ths Extenson s sujet lwys to the terms ondtons lmttons nd exlusons of ths Seton nd the Poly nd the Perod of Insurne s stted n the Shedule. 19

20 Addtonl Cluses The followng luses pply only f referene to them s mde to them eng opertve n the Shedule The over provded under these luses s sujet to the terms, ondtons, exlusons, provsons, lmttons nd defntons of ths Seton nd the Poly. 2. Dfferene n Lmts Extenson Should ny Lol Poly y vrtue of ts terms ondtons lmttons nd exlusons not ndemnfy the Insured n whole or n prt the Insurer wll ndemnfy the Insured gnst legl llty nd Other Costs nd Expenses s defned n ths Seton for the dfferene etween; the lmt of ndemnty spefed n the Lol Poly nd the Lmt of Indemnty spefed n the Shedule Provded tht where, nd to the extent tht, under the Lol Poly the lmt of ndemnty nludes legl osts nd expenses the Lmt of Indemnty under ths Seton shll e nlusve of the mount of ll ompenston lmnts osts nd expenses nd Other Costs nd Expenses osts nd expenses re ddtonl to the lmt of ndemnty, the ndemnty provded y the Insurer for lmnts osts nd expenses nd Other Costs nd Expenses shll e lmted to tht proporton whh the mount pyle under ths Seton exludng ll suh osts nd expenses ers to the totl sum pyle under the Lol Poly nd ths Seton exludng ll suh osts nd expenses n respet of eh Lol Poly the Insurer shll not e lle n respet of tht prt of ny loss whh under ny Lol Poly s requred to e orne y the Insured ths Seton shll not provde n ndemnty n respet of the greter of ny dedutle exess or frnhse pplyng under ny Lol Poly nd the frst 5,000 of ll ompenston nd lmnts osts nd expenses pyle n respet of eh nd every lm d e the Insurer shll not e lle where the Lol Poly hs een nelled, lpsed or voded s result of n t or omsson on the prt of the Insured the Insurer shll not e lle where the Lol Poly fls due to the reh of ny ondton or wrrnty ontned theren the llty of the Insurer under ths Extenson shll not exeed the Lmt of Indemnty stted n the Shedule 20

21 Addtonl Cluses The followng luses pply only f referene to them s mde to them eng opertve n the Shedule The over provded under these luses s sujet to the terms, ondtons, exlusons, provsons, lmttons nd defntons of ths Seton nd the Poly. 2 Dfferene n Lmts Extenson (ontnued) Spel Condtons 1 The Lol Poly shll e mntned n fore wthout reduton or restrton n over durng the Perod of Insurne. No lm under ths Extenson shll e pyle unless the terms of ths Spel Condton hve een ompled wth. 2 The Insured shll gve to the Insurer wrtten note s soon s prtle of ny hnge n the sope of the overge or n the lmts of ndemnty under ny Lol Poly nd of the termnton of ny overge or exhuston of ggregte lmts of ny Lol Poly nsurer s llty. 3 Any lm must frst e sumtted to the nsurer of the Lol Poly. 4 The ggregte llty of the Insurer to the Insured (nludng ny susdry nd/or ssoted nd/or fflted ompnes or ny numer of seprte Insured s under ths Seton or ny Lol Poly) shll not exeed the Lmt of Indemnty set out n ths Seton 5 No overge s provded under ths Seton or Poly due to lk of reovery y the Insured due to nsolveny or other fnnl flure of the nsurer tht ssued the Lol Poly. Provded tht ths Condton shll not pply f the Lol Poly s ssued y n nsurer tht s memer of the Allnz Group. 6 Ths Extenson shll not pply n respet of ny Lol Poly ssued n the Unted Sttes of Amer or Cnd 7 Indemnty under ths Extenson s sujet lwys to the terms ondtons lmttons nd exlusons of ths Seton nd the Poly nd the Perod of Insurne s stted n the Shedule. 21

22 Addtonl Cluses The followng luses pply only f referene to them s mde to them eng opertve n the Shedule The over provded under these luses s sujet to the terms, ondtons, exlusons, provsons, lmttons nd defntons of ths Seton nd the Poly. 3. Exess nd Resdul Employers Llty Extenson Notwthstndng Exlusons 1 nd 18 the Insurer wll ndemnfy the Insured under ths Extenson n respet of legl llty to py ompenston nd lmnts osts nd expenses n respet of Injury to ny person who s under ontrt of serve or pprenteshp wth the Insured (nludng llty rsng out of lms y ny sol seurty estlshment n respet of surogton rghts permtted under legslton) ourrng durng the Perod of Insurne nd rsng out of nd n the ourse of ther employment y the Insured ut only to the extent tht ndemnty s not provded y ny other poly (nludng ny employers llty poly nd/or workers ompenston poly nd/or pul llty poly) effeted n the terrtory n whh suh person s employed or whh must e effeted to omply wth the lws of suh terrtory Provded tht 1 the Insurer wll not provde ndemnty n respet of; Llty rsng from delerte flure y the Insured to meet ther legl olgtons towrds ther employees or y reson of ndequte ontruton y the Insured to ny workers ompenston sol seurty or smlr fund Llty exluded from ny poly ssued n the terrtory n whh suh person s employed Llty more speflly nsured under ny poly ssued n the terrtory n whh suh person s employed 2 ths Extenson does not pply n respet of ny person normlly resdent n Gret Brtn, Northern Irelnd the Chnnel Islnds the Isle of Mn The Repul of Irelnd Unted Sttes of Amer or Cnd 3 ths Extenson does not pply to legl llty for ny Injury ourrng n Gret Brtn, Northern Irelnd the Chnnel Islnds the Isle of Mn or the Repul of Irelnd 4 the Insured shll effet nd mntn n fore wthout reduton or restrton poles of nsurne (nludng employers llty poly nd/or workers ompenston poly nd/or pul llty poly) suffent to omply wth ompulsory nsurne requrements urrent for the tme eng n the terrtory n whh suh person s employed (whether temporrly or otherwse) The llty of the Insurer under ths Extenson n respet of ny one lm or seres of lms rsng out of one ourene for ll ompenston lmnts osts nd expenses nd ll other osts nd expenses nurred y the Insurer or wth the wrtten onsent of the Insurer n onneton wth the defene of suh lms shll not exeed the Lmt of Indemnty spefed n the Shedule. For the purpose of ths Extenson Injury mens odly njury (nludng deth resultng therefrom) ut shll not nlude deth or njury resultng from ny llness or dsese ontrted durng or s result of the employment of ny person. 22

23 Addtonl Cluses The followng luses pply only f referene to them s mde to them eng opertve n the Shedule The over provded under these luses s sujet to the terms, ondtons, exlusons, provsons, lmttons nd defntons of ths Seton nd the Poly. 4. Exess Motor Extenson Notwthstndng Exluson 5, other thn n respet of lms ourrng n the Unted Sttes of Amer or Cnd, the Insurer wll ndemnfy the Insured n respet of ny mounts n exess of the lmt of ndemnty under ny vld nd olletle motor nsurne poly ssued to ndemnfy the Insured gnst legl llty for Injury or loss or dmge to Property resultng from n ourrene rsng n onneton wth the Busness Provded tht the Insurer shll not e lle to ndemnfy: d e the Insured for ny mount olletle under ny vld motor nsurne poly, the lmt of ndemnty for whh must not e less thn 1,000,000 n respet of ny one ourrene; the Insured for the frst 1,000,000 n respet of ny one ourrene f no vld nd olletle motor nsurne poly s effeted y or on ehlf of the Insured for suh legl llty; the Insured for legl llty rsng n onneton wth the usness of ny jont venture or onsortum to whh the Insured s prty; the Insured for the mount of ny self nsured exess or dedutle under ny vld nd olletle motor nsurne poly; ny other person for legl llty nurred y them y vrtue of the possesson or use wthout the permsson of the Insured of ny motor vehle owned y or n the ustody or ontrol of the Insured. 23 ACOM1155_ Allnz Insurne pl. Regstered n Englnd numer Regstered offe: 57 Ldymed, Guldford, Surrey, GU1 1DB, Unted Kngdom. Allnz Insurne pl s memer of the Assoton of Brtsh Insurers. Allnz Insurne pl s uthorsed y the Prudentl Regulton Authorty nd regulted y the Fnnl Condut Authorty nd the Prudentl Regulton Authorty. Fnnl Serves 23 Regster numer