Construction Project All Risks

Transcription

1 Allnz Insurne pl Construton Projet All Rsks Poly Wordng

2 Contents Poly Defntons 2 Cover One Contrt Works 4 Lmt of Llty 5 Extensons 6 Exlusons 10 Condtons 11 Cover Two Owned Plnt nd Mhnery 12 Lmt of Llty 13 Extensons 14 Exlusons 15 Cover Three Hred In Plnt 16 Lmt of Llty 17 Exlusons 18 Cover Four Advned Busness Interrupton 19 Lmt of Llty 20 Bss of Settlement 21 Extensons 24 Exlusons 25 Condtons 26 Cover Fve Pul Llty 27 Lmt of Llty 28 Extensons 29 Exlusons 38 Condtons 40 Cover Sx Contrtors JCT Lmt of Llty 42 Exlusons 43 Condtons 44 Exlusons Applyng to Cover One Cover Two Cover Three & Cover Four 45 Generl Exlusons Applyng to the Poly 47 Generl Condtons Applyng to the Poly 48 Clms Condtons Applyng to the Poly 52 Complnts Proedure 55 Notfyng Clm 55 Fnnl Serves Compenston Sheme 55 Fr Proessng Note 56 Thnk you for hoosng Allnz Engneerng. Our tehnl expertse ult over mny yers of provdng engneerng nsurne nd nspeton produts nd serves mens you n trust us to e there when you need us. If you need further detls or hve ny questons, your roker or lol Allnz Engneerng rnh wll e delghted to help. Alterntvely help nd gudne n e otned from: Allnz Engneerng Hed Offe Hslemere Rod Lphook Hmpshre GU30 7UN UK Importnt The nsurne over provded y ths Poly my e vred y luses prnted n the Shedule. Plese red oth the Poly nd Shedule to mke sure tht you hve the nsurne over requred.

3 Construton Projet All Rsks Poly Allnz Insurne pl (referred to s 'the Insurers' or 'the Insurer') wll ndemnfy or otherwse ompenste the Insured nmed n the Shedule (referred to s the Insured ) n ordne wth nd sujet to the terms nd ondtons of the nsurne n return for the Insured hvng pd or greed to py the Insurne Premum for the Perod of Insurne. Your nsurne poly s mde up of ths Poly nludng ll Exlusons Extensons nd Condtons the Shedule nd the proposl whh you mde to the Insurers pror to tkng out ths over. These douments shll e red together s one ontrt. Any word or expresson to whh spef menng hs een gven shll hve the sme menng wherever t my pper n ths Poly. Plese red ll the pges of ths Poly nd Shedule refully to ensure tht your nsurne requrements re met. For Allnz Insurne pl Jonthn Dye Chef Exeutve Allnz Engneerng s trdng nme used y Allnz Insurne pl 1

4 Poly Defntons The followng defntons pply to ths Poly unless mended y Seton Defntons nd re denoted y ptl letters throughout ths Poly. 1 Adent Dmge to Contrt Works or Temporry Works nsured y Cover One Contrt Works. 2 Busness Atvty The undertkng of the Contrt Works shown n the Shedule nludng the provson y the Insured of sports sol or welfre orgnston prmrly for Employees. 3 Commssonng Opertonl testng ommenng ether wth the ntroduton nto the Contrt Works of feedstok or other mterls for proessng or hndlng or when supply to system ommenes. Commssonng does not nlude ny proesses nvolvng heml ton or reton unless the pror greement of the Insurers hs een otned. 4 Contrt The greement under whh the Contrt Works re undertken. 5 Contrt Vlue The wrded vlue of the Contrt Works nludng the vlue of Free Issue Mterls nd ll other osts ssoted wth the ompleton of the Contrt. 6 Contrt Works The permnent works undertken n the performne of the Contrt nd lloted to or norported n the works nludng Temporry Works nd Free Issue Mterls. Contrt Works does not nlude v prototype expermentl untred or unproven works or mhnery Contrtors Plnt Temporry Buldngs Hred In Plnt. 7 Contrt Works Progrmme The onstruton shedule or work progrmme tht detls the work to e undertken nd the sheduled dte(s) of ompleton of the nsured Contrt Works. 8 Contrtor The prty undertkng the Contrt Works on ehlf of the Employer nd whose nme s detled n the Shedule s the Contrtor. 9 Contrtors Plnt Tools tkle plnt nd equpment elongng to the Insured or for whh the Insured s responsle under hre purhse or lese greement. 10 Dmge In respet of Cover One Cover Two Cover Three nd Cover Four : physl loss physl destruton or physl dmge. In respet of Cover Fve nd Cover Sx: loss dmge or destruton. 11 Employee Any person under ontrt of serve or pprenteshp wth the Insured nd shll extend to nlude ny of the followng persons whlst workng for the Insured n onneton wth the Busness Atvty v v ny lour mster or lour only suontrtor or person suppled y hm ny self-employed person provdng lour only ny trnee or person undergong work experene ny voluntry helper ny person who s orrowed y or hred to the Insured. 12 Employer The prty on whose ehlf the Contrt Works re undertken nd whose nme s detled n the Shedule s the Employer. 13 Enterprse The ompleted Contrt Works the sujet of the Contrt onstruted for the generton of nome. 14 Exess The monetry mount(s) whh the Insured shll er n respet of eh nd every ourrene for whh the Insured s ndemnfed y ths Poly. 15 Free Issue Mterls Mterls suppled y the Employer or ther gents to the Contrtor for norporton n the Contrt Works ut for whh the Insured s responsle under the terms of the Contrt nd for whh the vlue hs een delred to the Insurers. 2

5 Poly Defntons ontnued 16 Hred In Plnt Tools tkle plnt nd equpment ste huts nd other temporry ommodton hred y the Insured solely for use n onneton wth the Contrt Works nd for whh they re responsle under the terms of ther hrng greement or otherwse ut not on hre purhse or sujet to lese greement or on free lon. 17 Injury Bodly njury deth dsese llness mentl njury or nervous shok. Invson of the rght of prvy flse rrest flse mprsonment flse evton or mlous proseuton of ny person. 18 Insured Property Contrt Works Contrtors Plnt Free Issue Mterls Hred In Plnt Temporry Buldngs nd Temporry Works. 19 Offshore Instlltons 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. Any nstllton n the se or tdl wters whh s ntended for the storge or reovery of gs. Any ppe or system of ppes n the se or tdl wters. Any nstllton whh s ntended to provde ommodton for persons who work on or from the lotons spefed n tems or n ths Defnton. 20 Perod of Insurne Perod from the effetve dte to the expry dte s shown n the Shedule. 21 Poly The ontrt of nsurne formed of the Poly wordng Shedule nd ny proposl mde y the Insured or on ther ehlf to the Insurers (whether or not suh proposl s reorded n wrtng). 22 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 Atvty nd not n the hrge or ontrol of the Insured. 23 Shedule The prt of ths Poly tht detls proposl nd other nformton formng the ss of ths ontrt nd tht shows the Setons of ths Poly seleted. 24 Seton The prts of ths Poly tht detl the nsurne over provded for eh ndvdul Seton of ths Poly. 25 Temporry Buldngs Ste huts nd other temporry ommodton nd ther ontents (other thn omputer or other dt proessng equpment) elongng to the Insured or for whh the Insured s responsle under hre purhse or lese greement. 26 Temporry Works Strutures nd ther mterls tht re neessry for ess to or support of the works nd wll e removed from the ontrt ste on or efore the dte of ompleton of the works not normlly e used gn n onneton wth other ontrts. 27 Terrtorl Lmts In respet of Cover One Cover Two Cover Three Cover Four nd Cover Fve Gret Brtn Northern Irelnd the Isle of Mn nd the Chnnel Islnds. In respet of Cover Fve only Elsewhere n the world n respet of njury or Dmge used y or rsng from non-mnul tvtes undertken solely n onneton wth the Busness Atvty of ny prtner dretor or Employee of the Insured normlly resdent wthn the terrtores spefed n defnton ove nd ourrng durng ny journey or temporry vst. 28 Testng The pplton of power or drvng fore to n tem of mhnery pror to the ntroduton of feedstok or rw mterls or the pplton of lod. 29 The Insured The Insured nmed nd shown n the Shedule. 30 The Insurers Allnz Insurne pl. As requred y the ontext of the sentene(s) or prgrph(s) n whh they re present throughout ths Poly Defntons shll e red to: e plurl where sngulr or sngulr where plurl nlude ny gender where gender s referred to pper n urrent pst or future tense. 3

6 Cover One Contrt Works Dmge to the Contrt Works desred n the Shedule nywhere n the Terrtorl Lmts ourrng durng the Perod of Insurne Trnst whle n trnst other thn y se or r to nd from the ontrt ste (nludng ndentl storge for perod not exeedng fourteen (14) lendr dys) from the ommenement of lodng on to trnsport vehles untl the ompleton of unlodng t the destnton. Contrt Ste t the ontrt ste untl the ssue of ertfte of ompleton or tkng over ertfte or the ompleton of onstruton or untl tken nto use whhever s the erler nd for further fourteen (14) lendr dy perod where the Contrtor s requred to nsure under the terms of the Contrt. Dmge to the Contrt Works desred n the Shedule nywhere n the Terrtorl Lmts ourrng durng the mntenne or defets llty perod Mntenne from defet orgntng pror to the ommenement of ths perod or used y the Contrtor n the ourse of ny opertons they rry out t the ontrt ste for the purpose of remedyng ny defets n the Contrt Works or otherwse fulfllng the mntenne olgtons under the terms of the Contrt. Provded tht ove 1 shll not exeed the perod shown n the Shedule from the ssue of ertfte of ompleton or tkng over ertfte or ompleton of onstruton or eng tken nto use whhever s the erler 2 pples to the extent tht the Contrtor s responsle under the terms of the Contrt. 4

7 Cover One Lmt of Llty The llty of the Insurers shll not exeed the lesser of the Contrt Vlue plus the ost of ny ddtons mendments or vrtons nludng the vlue of Free Issue Mterls or the Lmt of Llty shown n the Shedule nd n ddton ny mounts shown n the Extensons n respet of ny one dent or seres of dents rsng from one ourrene of Dmge. The mount under ove my e nresed y not more thn the perentge shown n the Shedule should the Contrt Vlue plus the ost of ny ddtons mendments or vrtons nludng the vlue of ny Free Issue Mterls exeed the Lmt of Llty shown n the Shedule. 5

8 Cover One Extensons Cover One s extended to over 1 Professonl Fees rhtets surveyors onsultng engneers or other professonl fees n ordne wth those uthorsed y the pproprte professonl ody neessrly nurred n the rensttement of the Contrt Works followng Dmge for whh the Insurers hve dmtted llty ut not the ost of preprng lm under ths Poly. 2 Brekdown or Exploson Dmge to new nd unused mhnery formng prt of the Contrt Works used y eletrl or mehnl rekdown or exploson. Ths Extenson shll ontnue for perod of seven (7) lendr dys from the ommenement of Testng of n ndvdul tem nd one (1) lendr month from the ommenement of Commssonng. 3 Plns the ost of mterls nd lour neessrly nurred to restore plns drwngs nd other douments held t the ontrt ste followng Dmge for whh the Insurers hve dmtted llty. Provded tht the llty of the Insurers shll not exeed the mount shown n the Shedule. 4 Fre Brgde Chrges the ost of hrges rsng from the tvtes of the Fre Brgde n delng wth the onsequenes of Dmge for whh the Insurers hve dmtted llty. Provded tht the llty of the Insurers shll not exeed the mount shown n the Shedule. 5 Offste Storge Dmge to Contrt Works whle n store t ny loton n the Terrtorl Lmts other thn the ontrt ste for perod not exeedng sx (6) months. Provded tht the Contrt Works re redy for delvery to the ontrt ste lloton to n nsured Contrt n e proved the vlue of the Contrt Works n store t ny one loton shll not exeed the mount shown n the Shedule unless the pror onsent of the Insurers hs een otned. 6 Ders Removl the ost neessrly nd resonly nurred y the Insured n removng ders dsmntlng or demolshng shorng up or proppng followng Dmge for whh the Insurers hve dmtted llty. Provded tht the llty of the Insurers shll not exeed the mount shown n the Shedule. 6

9 Cover One Extensons ontnued Cover One s extended to over 7 Europen Unon nd Lol Authortes Cost the ddtonl ost of rensttement of the Contrt Works sujet to Dmge for whh the Insurers hve dmtted llty s my e nurred solely to omply wth Europen Unon legslton nd / or uldng or other regultons under or frmed n pursune of ny t of prlment nd / or wth y-lws of ny munpl or lol uthorty nd / or ny hnge y the Seretry of Stte to regultons wth or wthout n t of prlment nd / or the Insurers requrements to reple n utomt sprnkler nstllton n ordne wth the urrent LPC Sprnkler Rules or ny hnge n nterpretton of exstng regultons provded tht the mount reoverle under ths Extenson shll not nlude: the ost nurred n omplyng wth ny of the legslton or requrements or regultons or y-lws detled n ths Extenson 1 n respet of Dmge not nsured y ths Poly 2 under whh note hs een served upon the Insured pror to the hppenng of the Dmge 3 n respet of Insured Property or portons of Insured Property whh hve not suffered Dmge other thn foundtons (unless foundtons re speflly exluded or not nsured y ths Poly) of tht porton of the Insured Property sujet to Dmge the ddtonl ost tht would hve een requred to mke good the Insured Property sujet to Dmge to ondton equl to ts ondton when new hd the neessty to omply wth ny of the legslton or regultons or y-lws or requrements detled n ths Extenson not rsen the mount of ny rte or tx or duty or development or other hrge or ssessment rsng out of ptl ppreton whh my e pyle n respet of the Insured Property or y the owner of the property y reson of omplne wth ny of the legslton or regultons or y-lws detled n ths Extenson d e f the llty of the Insurers under ths Poly prt from ths Extenson shll e redued y the pplton of ny of the terms Condtons nd Exlusons of ths Poly then the llty of the Insurers under ths Extenson n respet of ny suh tem shll e redued n lke proporton ll the Condtons of ths Poly exept nsofr s they my e expressly vred for the purposes of ths Extenson shll pply s f they hd een norported nto ths Extenson the llty of the Insurers shll not exeed the mount shown n the Shedule. 8 Speultve Buldng Dmge to uldngs onstruted y the Insured other thn under Contrt for perod not exeedng one hundred nd eghty (180) lendr dys for domest uldngs or nnety (90) lendr dys for ommerl uldngs followng Prtl Completon or untl the dte of sle oupton or hnd over whhever ours frst. Prtl Completon mens the ompleton of onstruton prt from deortons fnshes nd ftments tht wll e hosen y the purhser or tennt. 9 Expedtng Expenses nd Temporry Reprs the neessry nd resonle ddtonl ost of effetng temporry reprs nd expedtng permnent repr replement or retfton nludng overtme weekend nd shft workng pyments plnt hre hrges express delvery nludng rfreght followng Dmge for whh the Insurers hve dmtted llty ut exludng ny ost solely to expedte the ompleton of ny onstruton or nstllton of Insured Property tht hs not suffered Dmge. Provded tht the llty of the Insurers shll not exeed the mount shown n the Shedule. the work of rensttement s ommened nd rred out wthn resonle tmesle nd n ny se ompleted wthn twelve (12) months fter the ourrene of the Dmge or wthn suh further tme s the Insurers my durng tht twelve (12) months n wrtng llow nd my e rred out wholly or prtlly upon nother ste (f the legslton or regultons or y-lws or requrements detled n ths Extenson so neesstte) sujet to the llty of the Insurers under ths Extenson not eng therey nresed 7

10 Cover One Extensons ontnued Cover One s extended to over 10 Avodne of Impendng Dmge the ost nurred y the Insured n tkng exeptonl mesures tht re resonle to vod or redue mpendng Dmge whh would hve resulted n lm under ths Poly. Provded tht d e the mpendng Dmge dd not rse from ny defet n the Insured Property the mpendng Dmge dd not rse from resonly foreseele use the Dmge would hve een the nturl outome to e expeted n the sene of the mesures tken the Insurers re stsfed tht Dmge whh would hve een nsured under ths Poly hs een voded or redued n onsequene of the mesures tken the llty of the Insurers shll not exeed the ost whh would hve een nurred hd the mesures not een tken nd Dmge nsured y ths Poly hd ourred. 11 Addtonl Costs of Completon of Unult Works the Addtonl Cost of Construton nurred y the Insured n the event of Dmge to the Contrt Works for whh llty hs een dmtted (or would hve een dmtted ut for the pplton of the Exess). Provded tht the llty of the Insurers shll not exeed the mount shown n the Shedule. Ths Extenson does not nlude ny ost d e whh would hve een nurred rrespetve of whether the Dmge hd ourred nurred solely to expedte the ompleton of the Contrt or ny prt of the Contrt t n erler dte thn would hve een ttned hd the Dmge not ourred ssoted wth redesgnng lterng ddng to or mprovng the Contrt Works or retfton of defets or fults or elmnton of ny defenes rred out fter the ourrene of the Dmge or ny nrese n the ost s result of redesgnng lterton ddton or mprovement or ddtonl ost resultng from ny dely due to the nlty of the Insured to provde suffent funds for the repr or replement of the Contrt Works sufferng the Dmge n respet of ny v v ddtonl nsurne premums mngement expenses nd/or overheds of ny knd whtsoever dle tme osts n respet of Contrtors Plnt Temporry Buldngs Hred In Plnt or lour ddtonl fnne hrges or legl expenses ny hnge from the Contrt Works progrmme whh would otherwse hve ourred hd t not een for the Dmge f g h rsng from or n respet of ny other onsequentl losses not speflly provded for n ths Extenson nurred whh s overed elsewhere n ths Poly rsng out of vodle dely n mkng good the Dmge or ompletng the Contrt Works. Defnton Addtonl Cost of Construton For the purposes of ths Extenson Addtonl Cost of Construton shll men the ddtonl mount y whh the ost of Contrt Works unommened or unult t the dte of the Dmge shll exeed the ost whh would hve een nurred ut for the ourrene of the Dmge. 8

11 Cover One Extensons ontnued Cover One s extended to over 12 Muntons of Wr Generl Exluson 1 - Wr nd Kndred Rsks shll not pply to Dmge to Insured Property from or osoned y the detonton of muntons of wr or prts thereof n or out the ste of the Contrt Works provded tht the presene of suh muntons does not result from stte of wr urrent t the tme of suh Dmge. 9

12 Cover One Exlusons Cover One does not over 1 Defetve Desgn Mterl or Workmnshp Dmge nd the ost neessry to reple repr or retfy Insured Property whh s n defetve ondton due to defet n desgn pln spefton mterls or workmnshp of suh Insured Property or ny prt thereof Insured Property Dmged to enle the replement repr or retfton of Insured Property exluded y ove. Prgrph ove shll not pply to other Insured Property whh s free of the defetve ondton ut s Dmged n onsequene thereof. For the purposes of ths Poly nd not merely ths Exluson the Insured Property shll not e regrded s Dmged solely y vrtue of the exstene of ny defet n desgn pln spefton mterls or workmnshp n the Insured Property or ny prt thereof. 2 Exstng Property Dmge to ny property whh exsted on the ontrt ste pror to the ommenement of the Contrt Works. 3 Brekdown or Exploson Dmge to ny prt of the Contrt Works used y ts own eletrl or mehnl rekdown or exploson other thn provded for under Cover One - Extenson 2 Brekdown or Exploson. 4 Contrt Condtons Dmge for whh the Insured or ny other nsured prty s not responsle under the terms of the Contrt. 5 Wer nd Ter or Deterorton the ost of retfton of wer nd ter eroson orroson or other deterorton used y or nturlly resultng from ordnry work use or exposure ut not Dmge nsured y ths Poly resultng from suh ourrene unless otherwse exluded. 6 Exess the mount(s) shown n the Shedule s the Exess for Cover One n respet of eh nd every ourrene of Dmge. 10

13 Cover One Condtons 1 Seres Loss If the development or dsovery of defet n ny prt of the Contrt Works shll ndte tht smlr defet exsts elsewhere n the Contrt Works the Insured shll mmedtely nvestgte nd f neessry retfy the defets n ny Contrt Works nsured under ths Poly t ther own expense or lterntvely er the ost of ll Dmge rsng out of the defet. 2 Conseutve Dmge For the purpose of nterpretng the pplton of Cover One - Exluson 6 Exess Dmge to Insured Property t ny one loton y storm tempest or flood n one ontnuous perod of seventy two (72) hours shll e delt wth s one dent or seres of dents rsng from one ourrene. 3 Multple Insureds If there s more thn one nsured prty eh opertng s seprte nd dstnt entty then ths Poly shll pply n the sme mnner nd to the sme extent s f ndvdul poles hd een ssued to eh prty. Provded tht d e the totl llty of the Insurers to ll of the nsured prtes olletvely shll not exeed the Lmt of Llty ny pyment or pyments y the Insurers to ny one or more nsured prty shll redue to the extent of tht pyment the Insurers llty to ll prtes rsng from ny one event gvng rse to lm under ths Poly the nsured prtes shll t ll tmes preserve ny vlle ontrtul rghts greements nd remedes n the event of Dmge the Insurers shll e enttled to vod llty to or lm dmges from ny of the nsured prtes n rumstnes of frud mterl msrepresentton mterl non-dslosure or reh of ny Condton n ths Poly eh referred to n ths luse s vttng t the Contrt s performed n Gret Brtn Northern Irelnd the Isle of Mn or the Chnnel Islnds. It s however greed tht vttng t ommtted y one nsured prty shll not prejude the rght to ndemnty of ny other nsured prty who hs n nsurle nterest nd who hs not ommtted vttng t the Insurers gree to wve ll rghts of surogton whh they my hve or qure gnst ny nsured prty exept where the rghts of surogton rse from vttng t n whh rumstnes the Insurers my enfore suh rghts notwthstndng the ontnung or former sttus of the vttng prty s n Insured unless nmed n the Shedule s n Insured Prty ny lenders to the projet shll not e enttled to ny ndemnty under ths Poly for Dmge n respet of whh the Insurers re y reson of vttng t no longer lle to ndemnfy ny one or more other nsured prty. 11

14 Cover Two Owned Plnt nd Mhnery Dmge to Contrtors Plnt nd Temporry Buldngs n use n trnst or n temporry storge ll n onneton wth the Contrt Works nywhere n the Terrtorl Lmts ourrng durng the Perod of Insurne. Provded tht where Contrtors Plnt or Temporry Buldngs hve een loned or hred out nsurne under Cover Two s ondtonl on the terms of the lon or hre eng no less onerous thn Model Condtons for the hrng of Plnt pproved y The Construton Plnt-hre Assoton nd pplyng durng trnst to nd whle t the ste untl returned to or olleted y the Insured. 12

15 Cover Two Lmt of Llty The llty of the Insurers shll not exeed n respet of Contrtors Plnt nd Temporry Buldngs the Lmt of Llty shown n the Shedule Provded tht the llty of the Insurers for ny ndvdul tem of Insured Property shll not exeed the mrket vlue of the tem t the tme of the Dmge nd n ddton ny mounts shown n the Extensons n respet of ny one dent or seres of dents rsng from one ourrene of Dmge. 13

16 Cover Two Extensons Cover Two s extended to over 1 Dmge to Seurty Deves the ost nurred n reprng or replng ny mmolser lotng trkng or other seurty deve permnently ftted to the Insured Property followng Dmge s result of theft or ttempted theft for whh the Insurers hve dmtted llty. Provded tht the llty of the Insurers shll not exeed the mount shown n the Shedule Cover Two - Exluson 8 Exess does not pply to ths Extenson. 2 Loss of Keys the ost nurred n replng the lok ylnder of ny seurty deve permnently ftted to ny Insured Property followng Dmge to the keys opertng the seurty deve. Provded tht the llty of the Insurers shll not exeed the mount shown n the Shedule Cover Two - Exluson 8 Exess does not pply to ths Extenson. 3 Repr Cost Investgton the ost nurred n repr nvestgtons nd tests y onsultng engneers followng Dmge to Insured Property for whh the Insurers hve dmtted llty. Provded tht the pror wrtten greement of the Insurers hs een otned the llty of the Insurers does not exeed the mount shown n the Shedule durng ny one Perod of Insurne the Insurers shll not e lle under ths Extenson for ny ost nurred n preprng lm under ths Poly. 14

17 Cover Two Exlusons Cover Two does not over 1 Brekdown or Exploson Dmge to the Insured Property used y ts own eletrl or mehnl rekdown or ts own exploson. 2 Exluded Prts nd Components Dmge to uttng edges tools trlng les flexle ppes drvng elts nd hns or onveyor nds unless ompned y Dmge to the omplete tem. 3 Mterls Proessed or Foregn Bodes Dmge used y mterls proessed or treted y the Insured Property or foregn odes enterng the Insured Property wth the mterls. 4 Tyres Dmge to tyres y the pplton of rkes or y puntures uts or ursts. 5 Mntenne Fulty Workmnshp or Applton of Tools the ost of mntenne retfton of fulty workmnshp ourrng durng the exeuton of reprs 6 Overlodng or Anorml Condtons Dmge to ny tem of Contrtors Plnt or Temporry Buldngs used y or rsng from the mposton of norml ondtons delerte overlodng or overlod testng other thn overlod testng n ordne wth the Code of Prte for the Sfe Use of Crnes BS7121 nludng ny susequent mendments or revsons Contrtors Plnt durng overlod testng n ordne wth the Code of Prte for the Sfe Use of Crnes BS7121 nludng ny susequent mendments or revsons nd used y or rsng from defet n the tem. 7 Wer nd Ter or Grdul Deterorton the ost of retfton of wer nd ter eroson orroson or other deterorton used y or nturlly resultng from ordnry work use or exposure grdully developng flws or frtures whh do not neesstte mmedte stoppge ut not Dmge nsured y ths Poly resultng from or unless otherwse exluded. 8 Exess the mount(s) shown n the Shedule s the Exess for Cover Two n respet of eh nd every ourrene of Dmge. ut not Dmge resultng from or unless otherwse exluded Dmge used y the dret pplton of tools. 15

18 Cover Three Hred In Plnt The Insured s legl llty under the terms of ther hrng greement or otherwse to py ompenston for Dmge to Hred In Plnt nywhere n the Terrtorl Lmts durng the Perod of Insurne ontnung hre hrges s result of Dmge to Hred In Plnt for whh ndemnty s provded y ove. In ddton the Insurers wll py ll legl expenses for whh the Insured my e lle where legl proeedngs hve een defended wth the wrtten onsent of the Insurers. Provded tht the llty of the Insurers under Cover Three for Dmge nd ontnung hre hrges n respet of ny Hred In Plnt whh s more thn one (1) yer old shll e no more thn the llty whh would e nurred under the Model Condtons for the hrng of plnt pproved y The Construton Plnt-hre Assoton Dmge to Hred n Plnt whle loned or hred out s ondtonl on the terms of the greement under whh the lon or hrng out tkes ple eng no less onerous thn the terms under whh the Hred In Plnt hs een hred y the Insured unless otherwse greed y the Insurers. 16

19 Cover Three Lmt of Llty The llty of the Insurers shll not exeed the Lmt of Llty shown n the Shedule nd n ddton ny mounts shown n the Extensons n respet of ny one dent or seres of dents rsng from one ourrene of Dmge. 17

20 Cover Three Exlusons Cover Three does not over 1 Tyres Dmge to tyres y the pplton of rkes or y puntures uts or ursts. 2 Overlodng or Anorml Condtons Dmge to ny tem of Hred In Plnt used y or rsng from the mposton of norml ondtons delerte overlodng or overlod testng other thn overlod testng n ordne wth the Code of Prte for the Sfe Use of Crnes BS7121 nludng ny susequent mendments or revsons durng overlod testng n ordne wth the Code of Prte for the Sfe Use of Crnes BS7121 nludng ny susequent mendments or revsons nd used y or rsng from pre-exstng defet n the tem. 3 Wer nd Ter or Grdul Deterorton the ost of retfton of wer nd ter eroson orroson or other deterorton used y or nturlly resultng from ordnry work use or exposure grdully developng flws or frtures whh do not neesstte mmedte stoppge ut not Dmge nsured y ths Poly resultng from or unless otherwse exluded. 4 Exess the mount(s) shown n the Shedule s the Exess for Cover Three n respet of eh nd every ourrene of Dmge. 18

21 Cover Four Advned Busness Interrupton Defntons Cover 1 Indemnty Perod The perod egnnng wth the dte on whh ut for the nterrupton or nterferene the sheduled strt of ommerl operton or sle of the Enterprse would hve tken ple nd endng not lter thn the Indemnty Perod shown n the Shedule durng whh the results of the Enterprse shll e ffeted y the nterrupton or nterferene nd sujet to the Tme Exluson shown n the Shedule. 2 Tme Exluson The perod egnnng wth the dte on whh ut for the nterrupton or nterferene the sheduled strt of ommerl operton or sle of the Enterprse would hve tken ple nd endng not lter thn the Tme Exluson perod shown n the Shedule durng whh the Insured shll er ll dret or ndret Fnnl Loss or ost nd the Insurers shll not e lle for dret or ndret Fnnl Loss or ost. The Fnnl Loss of the Insured resultng from nterrupton or nterferene wth the Contrt Works Progrmme whh uses dely n the sheduled strt of ommerl operton or sle of the Enterprse durng the Indemnty Perod n onsequene of n Adent. Provded tht 1 pyment hs een mde or llty dmtted for the Adent or 2 pyment would hve een mde or llty dmtted for the Adent ut for the operton of the Exess. The Bss of Settlement for Cover Four shll e ether Opton A Opton B Opton C Opton D Advned Loss of Gross Proft or Advned Loss of Gross Revenue or Advned Loss of Gross Rent or Loss of Bnk Interest whhever s shown n the Shedule. 19

22 Cover Four Lmt of Llty The llty of the Insurers n respet of Fnnl Loss shll not exeed the mount shown n the Shedule n respet of ny one dent or seres of dents rsng from one ourrene. Automt Rensttement of the Lmt of Llty Pyment mde y the Insurers under Cover Four shll not redue the Lmt of Llty stted shown n the Shedule ut the Insured shll py to the Insurers on request n ddtonl premum to e greed for suh utomt rensttement of over. 20

23 Cover Four Bss of Settlement Opton A Advned Loss of Gross Proft Fnnl Loss mens n respet of reduton n Turnover the sum produed y pplyng the Antpted Rte of Gross Proft to the mount y whh the Turnover durng the Indemnty Perod shll n onsequene of the nterrupton or nterferene fll short of the Antpted Turnover n respet of nrese n ost of workng the ddtonl expendture neessrly nd resonly nurred for the sole purpose of vodng or dmnshng the reduton n Turnover whh ut for tht expendture would hve tken ple durng the Indemnty Perod n onsequene of the nterrupton or nterferene ut not exeedng the sum produed y pplyng the Antpted Rte of Gross Proft to the mount of reduton n Turnover voded y the ddtonl expendture nurred less ny sum sved durng the Indemnty Perod n respet of the hrges nd expenses s my ese or e redued n onsequene of the nterrupton or nterferene. Defntons Gross Proft The mount y whh the sum of the Turnover nd the vlue of the losng stok shll exeed the sum of the openng stok nd the mount of the Unnsured Workng Expenses. Notes The vlues of the openng nd the losng stoks shll e rrved t n ordne wth the norml ountny methods of the Insured due provson eng mde for depreton. The words nd expressons used n ths Defnton shll hve the menng usully tthed to them n the ooks nd ounts of the Insured. Turnover The money pd or pyle to the Insured for goods sold nd for serves rendered n the ourse of the ommerl operton of the Enterprse. Unnsured Workng Expenses All expenses whh vry n dret proporton to ny vrton n Turnover. Antpted Rte of Gross Proft The rte of Gross Proft whh hd the nterrupton or nterferene not ourred would hve een erned on Turnover durng the Indemnty Perod. Antpted Turnover The Turnover whh hd the nterrupton or nterferene not ourred would hve een heved durng the twelve (12) months fter the sheduled dte of ommenement of ommerl operton (proportontely nresed where the Indemnty Perod exeeds twelve (12) months). Note Adjustments shll e mde to the fgures representng the Antpted Rte of Gross Proft nd Antpted Turnover s my e neessry to provde for the trend n the Enterprse nd for vrtons n or other rumstnes ffetng the usness ether efore or fter the nterrupton of nterferene or whh would hve ffeted the usness hd the nterrupton or nterferene not ourred so tht the djusted fgures shll represent s nerly s my e prtle the results whh ut for the nterrupton of nterferene would hve een otned. 21

24 Cover Four Bss of Settlement ontnued Opton B Advned Loss of Gross Revenue Fnnl Loss mens n respet of loss of Gross Revenue the mount y whh the Gross Revenue durng the Indemnty Perod n onsequene of the nterrupton or nterferene flls short of the Antpted Gross Revenue n respet of nrese n ost of workng the ddtonl expendture neessrly nd resonly nurred for the sole purpose of vodng or dmnshng the loss of Revenue whh ut for tht expendture would hve tken ple durng the Indemnty Perod n onsequene of the nterrupton or nterferene ut not exeedng the mount of the loss therey voded less ny sum sved durng the Indemnty Perod n respet of the hrges nd expenses s my ese or e redued n onsequene of the nterrupton or nterferene. Defntons Antpted Gross Revenue The Revenue whh hd the nterrupton or nterferene not ourred would hve een heved durng the twelve (12) months fter the sheduled dte of ommenement of ommerl operton (proportontely nresed where the Indemnty Perod exeeds twelve (12) months). Gross Revenue The money pd or pyle to the Insured for serves rendered n the ourse of the ommerl operton of the Enterprse. Note Adjustments shll e mde to the fgures representng the Revenue nd Antpted Gross Revenue s my e neessry to provde for the trend n the Enterprse nd for vrtons n or other rumstnes ffetng the usness ether efore or fter the nterrupton of nterferene or whh would hve ffeted the usness hd the nterrupton or nterferene not ourred so tht the djusted fgures shll represent s nerly s my e prtle the results whh ut for the nterrupton of nterferene would hve een otned. Opton C Advned Loss of Gross Rent Fnnl Loss mens n respet of loss of Gross Rent the mount y whh the Gross Rent durng the Indemnty Perod n onsequene of the nterrupton or nterferene flls short of the Antpted Gross Rent n respet of nrese n ost of workng the ddtonl expendture neessrly nd resonly nurred for the sole purpose of vodng or dmnshng the loss of Rent whh ut for tht expendture would hve tken ple durng the Indemnty Perod n onsequene of the nterrupton or nterferene ut not exeedng the mount of the loss therey voded less ny sum sved durng the Indemnty Perod n respet of the hrges nd expenses s my ese or e redued n onsequene of the nterrupton or nterferene. Defntons Antpted Gross Rent The Gross Rent whh hd the nterrupton or nterferene not ourred would hve een heved durng the twelve (12) months fter the sheduled dte of ommenement of ommerl operton (proportontely nresed where the Indemnty Perod exeeds twelve (12) months). Gross Rent The money pd or pyle to the Insured y tennts for rent n the ourse of the ommerl operton of the Enterprse. Note Adjustments shll e mde to the fgures representng the Gross Rent nd Antpted Gross Rent s my e neessry to provde for the trend n the Enterprse nd for vrtons n or other rumstnes ffetng the usness ether efore or fter the nterrupton of nterferene or whh would hve ffeted the usness hd the nterrupton or nterferene not ourred so tht the djusted fgures shll represent s nerly s my e prtle the results whh ut for the nterrupton of nterferene would hve een otned. 22

25 Cover Four Bss of Settlement ontnued Opton D - Loss of Bnk Interest Fnnl Loss mens In onsequene of nterrupton or nterferene the ddtonl nterest nurred on ptl orrowed to fnne the Contrt Works durng the Indemnty Perod the loss n respet of quston osts nd ssoted expenses of rsng (or extendng) the lons referred to n ove the mount pyle eng the tul mount of suh expendture nd/or the nvestment nterest lost y the use of the Insureds own funds to fnne the Contrt Works durng the Indemnty Perod n respet of nrese n ost of workng the ddtonl expendture neessrly nd resonly nurred for the sole purpose of vodng or dmnshng the loss otherwse pyle whh ut for tht expendture would hve tken ple durng the Indemnty Perod n onsequene of the nterrupton or nterferene ut not exeedng the mount of the loss therey voded less ny sum sved durng the Indemnty Perod n respet of the hrges nd expenses s my ese or e redued n onsequene of the nterrupton or nterferene. 23

26 Cover Four Extensons Cover Four s extended to over 1 Professonl Aountnts Fees the resonle ost pyle y the Insured to professonl ountnts for produng suh prtulrs or detls or ny other proofs nformton or evdene s my e requred y the Insurers under the terms of ny Condton of ths Poly nd reportng tht suh prtulrs or detls re n ordne wth the Insureds ooks of ount or other usness ooks or douments. Any prtulrs or detls ontned n the Insureds ooks of ounts or other usness ooks or douments whh my e requred y the Insurers under ny Condton of ths Poly for the purpose of nvestgtng or verfyng ny lm mde under ths Poly my e produed y professonl ountnts f t the tme they re regulrly tng s suh for the Insured nd ther report shll e prm fe evdene of the prtulrs nd detls to whh suh report reltes. Provded tht the mount pyle under ths Extenson nd the mount otherwse pyle under Cover Four shll not exeed n respet of ny one dent or seres of dents rsng from one ourrene or ourrene or seres of ourrenes of Spefed Event nsured y Cover Four Extenson 2 Denl of Aess Defntons Spefed Event Dmge to property n the Vnty of the ste of the Contrt Works (ut exludng Dmge to property of ny supply undertkng from whh the Busness Atvty otns eletrty gs wter teleommuntons or sntton serves) whh shll prevent or hnder the use of the ste of the Contrt Works or ess or ext thereto whether the ste of the Contrt Works or the Contrt Works themselves shll e Dmged or not ton y ny Government Authorty Lol Authorty or Pole Authorty followng dnger or dsturne n the Vnty of the ste of the Contrt Works other thn dnger or dsturne resultng from Terrorst At or thret thereof the order of the Insured (or ny other prty pponted y the Insured wth responslty to ensure the sfety of those workng on the ste) upon reept of om thret t or n the Vnty of the ste of the Contrt Works. Vnty Wthn one mle of the ste of the Contrt Works. the Lmt of Llty shown n the Shedule for Cover Four. 2 Denl of Aess the Fnnl Loss of the Insured resultng from nterrupton or nterferene wth Contrt Works Progrmme whh uses dely n the sheduled strt of ommerl operton or the sle of the Enterprse durng the Indemnty Perod n onsequene of not eng le to remn on or gn ess to the ste of the Contrt Works s dret result of Spefed Event detled n tems or elow. Provded tht the Insurers llty under ths Extenson fter the pplton of ll other terms nd Condtons of ths Poly shll not exeed the mount shown n the Shedule n respet of ny one ourrene or seres of ourrenes of Spefed Event nsured y ths Extenson the mount shown n the Shedule durng the Perod of Insurne. 24

27 Cover Four Exlusons Cover Four does not over dret or ndret Fnnl Loss or ost 1 Inevtle Dmge whh would hve een nurred rrespetve of whether the Dmge or other nsured event hd ourred. 2 Erly Completon nurred solely to expedte the ompleton of the Contrt Works or ny prt thereof t n erler dte thn would hve een ttned hd the sd Dmge or other nsured event not ourred. 3 Redesgn Alterton Addton nd Improvement nurred n redesgnng lterng ddng to or mprovng permnent or temporry works or retfton of defets or fults or elmnton of ny defenes rred out fter the ourrene or ny Fnnl Loss s result of suh redesgnng lterton ddton or mprovement. 4 Insuffent Funds resultng from ny dely due to the nlty of the Insured to provde suffent funds for the repr or replement of the permnent or temporry works sufferng Dmge. 6 Other Consequentl Losses d rsng from or n respet of ny other onsequentl losses not speflly provded for under Cover Four nurred whh s spefed elsewhere n ths Poly whh s reoverle from the Contrtors or su-ontrtors under the terms of the Contrt rsng out of Dmge t supplers or mnufturers premses. 7 Tme Exluson nurred durng the Tme Exluson perod shown n the Shedule. 8 Wer nd Ter or Grdul Deterorton nevtle wer nd ter eroson orroson or other deterorton used y or nturlly resultng from ordnry work use or exposure grdully developng flws or frtures whh do not neesstte mmedte stoppge ut not Fnnl Loss n onsequene of Dmge resultng from or unless otherwse exluded. 5 Idle Tme Cost resultng from dle tme ost n respet of Contrtors Plnt Temporry Buldngs Hred In Plnt or lour. 25

28 Cover Four Condtons 1 Contrt Works Progrmme The Insured shll t ther own expense pror to ommenement of the Perod of Insurne provde the Insurers wth opy of the Contrt Works Progrmme durng the ourse of the Contrt provde the Insurers wth further opy of the Contrt Works Progrmme whenever t s mended or revsed n ny wy whh hs the effet of lterng the sheduled dte(s) of ompleton of the Contrt Works nd when requested y the Insurers provde the resons for the mendments or revsons nd ll relevnt detls whh the Insurers my requre. 2 Clms Reports In the event of n Adent ourrng for whh t s ntpted tht loss my e pyle under ths Poly (or would e ut for the pplton of ny dedutle) the Contrtor nd suontrtors shll e nstruted y the Insured to keep reord of the dely whh suh n Adent uses n ompletng the Contrt Works nd of other uses (nsured or unnsured) whh ffet the susequent ourse of the ompleton of the Contrt Works Progrmme nd the steps tken to mnmse dely. If suh reord shows tht more thn one use hs ontruted to the susequent flure to heve the sheduled dte of ompleton of the Contrt Works then the nsurne provded y ths Poly shll only py n proporton to the tme lost whh s due to the Adent s opposed to ny other use. 3 Oupton of the Contrt Works or Prts Thereof Where the Insurers hve gven permsson for the Insured to oupy ny porton of the Contrt Works for ther own purposes pror to ompleton of the Contrt / Contrt Works Progrmme ny nome reeved n ths respet y the Insured shll e tken nto ount n the lulton of the ndemnty provded y Cover Four. 4 Alterntve Trdng If durng the Indemnty Perod ommodton shll e provded or goods re sold or serves rendered elsewhere thn t the Enterprse for the eneft of the Enterprse ether y the Insured or y others tng on ther ehlf the money pd or pyle for suh ommodton goods or serves shll e tken nto ount n rrvng t the Fnnl Loss durng the Indemnty Perod. 5 Dsontnune of the Employer If durng the Indemnty Perod the Employer re wound up or rred on y lqudtor or reever or permnently dsontnued then f the Contrt s ontnued y nother prty for whom the Insurers hve greed to provde ndemnty the llty of the Insurers shll e lmted to the mount tht would hve een pyle hd the Employer een le to ontnue the Busness Atvty the Indemnty Perod shll e regrded s ended on the dte of suh wndng up or lqudton or reevershp or permnent dsontnune. 26

29 Cover Fve Pul Llty Defntons 1 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 Note of Adjudton Any note ssued to prty to ontrt to whh the Housng Grnts Construton nd Regenerton At 1996 or ny susequent legslton pples sttng n ntenton to refer dspute under the ontrt to djudton. 3 Polluton or Contmnton ll Polluton or Contmnton 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 Contmnton. All Polluton or Contmnton whh rses out of one ndent shll e deemed to hve ourred t the tme suh ndent tkes ple. Cover Indemnty to the Insured The Insurers wll ndemnfy the Insured gnst legl llty to py ompenston nd lmnts osts nd expenses n respet of dentl v Injury to ny person Dmge to mterl property nusne trespss ostruton or nterferene wth ny rght of wy lght r wter or esement lel slnder or defmton of hrter ourrng wthn the Terrtorl Lmts durng the Perod of Insurne n onneton wth the Busness Atvty. In ddton the Insurers wll py lmnts osts nd expenses nurred y the Insured or ny other ost or expense wth the wrtten onsent of the Insurers n onneton wth the defene of ny lm for representton of the Insured 1 t ny oroners nquest or ftl dent nqury n respet of deth 2 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 or Dmge whh my e the sujet of ndemnty under Cover Fve. 27

30 Cover Fve Lmt of Llty The llty of the Insurers 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 Polluton or Contmnton whh s deemed to hve ourred durng ny one Perod of Insurne shll not exeed the Lmt of Llty shown n the Shedule. 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 Llty 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 Insurers n onneton wth the defene of suh lms. In respet of An At of Terrorsm the Lmt of Llty under Cover Fve shll not exeed the Lmt of Llty shown n the Shedule or 5,000,000 whhever s the lesser. 28

31 Cover Fve Extensons (sujet to the terms lmts ondtons nd exlusons of ths Seton nd the Poly) Indemnty to Other Prtes If the Insured so requests the Insurers wll ndemnfy the followng prtes ny offer or ommttee memer or other memer of the Insureds nteen sol sports or welfre orgnstons or mulne frst d fre medl or seurty serves gnst llty nurred n suh pty ny prtner dretor or Employee of the Insured gnst llty nurred n suh pty nd n respet of whh the Insured would hve een enttled to ndemnty under Cover Fve f the lm hd een mde gnst the Insured s though eh prty were ndvdully nmed s the Insured n Cover Fve. ny prnpl wth whom the Insured hve greed to exeute work under Contrt or greement gnst llty rsng out of the performne of suh work y the Insured nd n respet of whh the Insured re leglly lle nd would hve een enttled to ndemnty under Cover Fve f the lm hd een mde gnst the Insured. Provded tht 1 eh suh prty shll oserve fulfll nd e sujet to the terms nd ondtons of Cover Fve n so fr s they n pply 2 the Insurers llty to the Insured nd ll prtes ndemnfed shll not exeed n totl the Lmt of Llty spefed n the Shedule for Cover Fve 3 the Insurers shll retn sole ondut nd ontrol of ny lm 4 suh prty shll not e enttled to ndemnty under ny other poly. Jont Insured Cross Lltes If more thn one prty s nmed s the Insured Cover Fve shll pply s though eh were nsured seprtely. Provded tht the Insurers llty to ll prtes ndemnfed shll not exeed n totl the Lmt of Llty shown n the Shedule for Cover Fve. Overses Personl Llty The Busness Atvty 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 terrtores spefed n prgrph of the Defnton of Terrtorl Lmts n the ourse of ny journey or temporry vst to ny other ountry mde n onneton wth the Busness Atvty. d Motor Contngent Llty The Insurers wll ndemnfy the Insured n the terms of Cover Fve gnst llty rsng out of the use n onneton wth the Busness Atvty of ny vehle not owned provded or eng drven y the Insured ut Cover Fve does not over llty n respet of Dmge to suh vehle or ts ontents rsng out of ny suh use n ny ountry outsde the terrtores spefed n prgrph of the Defnton of Terrtorl Lmts nurred y ny prty other thn the Insured v nurred y ny prty dentfed n prgrph Indemnty to Other Prtes other thn n Employee. For the purpose of ths Extenson d Exluson 1 (Injury to Employees) does not pply. e Helth nd Sfety t Work - Legl Defene Costs The Insurers wll ndemnfy the Insured nd f the Insured so requests ny prtner dretor or Employee of the Insured n the terms of Cover Fve n respet of osts nd expenses nurred wth the Insurers 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 ny regultons mde thereunder ommtted or lleged to hve een ommtted durng the Perod of Insurne n onneton wth the Busness Atvty. Provded tht 1 the proeedngs relte to the helth sfety or welfre of ny person other thn n Employee 2 the Insurers shll hve the ondut nd ontrol of ll the sd proeedngs nd ppels. The Insurers wll not py for A B C fnes or penltes of ny knd proeedngs or ppels n respet of ny delerte t or omsson osts or expenses nsured y ny other nsurne. 29

32 Cover Fve Extensons ontnued f 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 Insurers n onneton wth lm whh s the sujet of ndemnty under Cover Fve the Insurers wll py ompenston to the Insured on the followng sle for eh dy tht ttendne s requred ny dretor or prtner 500 ny Employee 250 g 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 Cover Fve shll only pply f the sole ondut nd ontrol of ny lm s vested n the Insurers. Provded tht the Insurers shll not py for lqudted dmges or fnes or dmges mposed y or pyle under ny penlty luse. h Consumer Proteton nd Food Sfety Ats - Legl Defene Costs The Insurers wll ndemnfy the Insured nd f the Insured so request ny prtner dretor or Employee of the Insured n the terms of Cover Fve n respet of legl osts nd expenses nurred wth the wrtten onsent of the Insurers 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 Atvty. Provded tht the Insurers shll hve the ondut nd ontrol of ll sd proeedngs nd ppels. The Insurers wll not py for 1 fnes or penltes of ny knd 2 proeedngs or ppels n respet of ny delerte t or omsson 3 osts or expenses nsured y ny other poly. Housng Grnts At The Insurers wll ndemnfy the Insured gnst n wrd (or ny prt thereof) mde n respet of onstruton dspute nd resultng from n djudton proedure whh omples wth the provsons of the Housng Grnts Construton nd Regenerton At 1996 or ny sueedng legslton. Provded tht ndemnty shll only pply to the extent tht suh n wrd reltes to Dmge or llty for whh n ndemnty s provded y Cover Fve ny pyment mde y the Insurers n respet of suh n wrd shll e mde wthout prejude to ny other rghts of the Insurer under Cover Fve t s ondton preedent to ny llty of the Insurers to mke ny pyment under Cover Fve tht where there s onstruton ontrt dspute reltng to Dmge or llty for whh n ndemnty s or my e provded y Cover Fve 1 ny Note of Adjudton reeved y the Insured shll e forwrded to the Insurers mmedtely upon reept 2 the Insured shll provde note to the Insurers of ny ntenton y them to ssue Note of Adjudton 3 the Insured shll not ept ny wrd mde y n djudtor to suh dspute s eng fnl wthout the pror greement of the Insurers. 30