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Endorsement 004 - Conditions: Self-insurance retention – Covid-19/Pandemic
related claims occurring in care home and domiciliary care
Insured section: ‘Employers’ Liability’ and ‘Public Liability’

The retention included in the schedule for the ‘Employers’ Liability’ and ‘Public Liability’ sections of
this policy is respectively amended to GBP 500,000 any one claimant for Covid-19/Pandemic
related claims arising out of and in connection with the business during the period of insurance.

For the purpose of this endorsement, the ‘General definitions and interpretations’ section of this
policy is amended as follows:

A. The definition of retention is deleted and replaced with the following definition:

Retention
Retention means the first amount payable by the insured in respect of each and every claimant,
potential claimant; and/or defence costs (excluding adjusters’ fees) as ascertained after the
application of all other terms and conditions of this policy. The limit of indemnity will be reduced by
the retention.

B. A definition of Covid-19/Pandemic related claims is added:

Covid-19/Pandemic related claims
Covid-19/Pandemic related claims means any amount for which the insurer would otherwise be liable
directly or indirectly caused by, resulting from, arising out of, in connection with, attributable to, or
occurring concurrently or in any sequence with:

1.1. any coronavirus (or similar or equivalent virus in the future);

1.2. any mutation or variation of 1.1 above;

1.3. any coronavirus disease (or similar or equivalent disease in the future);

1.4. any epidemic, or pandemic which poses a threat to human health or human welfare;

1.5. any fear or threat of 1.1, 1.2, 1.3 or 1.4 above;

1.6. the costs to clean-up, detoxify, remove, monitor or test for the actual, alleged,
perceived or suspected presence of 1.1, 1.2, 1.3 or 1.4 above; or

1.7. the insured’s compliance or non-compliance with any advice, guidance, regulation,
order, decree or law issued by a Public Authority in response to 1.1, 1.2, 1.3 or 1.4 above.

2. Public Authority means any national, regional, local or municipal government or any national or
international organisation with the responsibility to promote or protect public health.

This policy will only provide indemnity in respect of Covid-19/Pandemic related claims as defined
above in this endorsement.

CLAUSE : PBLCOP 010820

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