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2 Insured section A - Employers’ liability

2.1 Employers’ liability cover

2.1.1 The insurer agrees to indemnify the insured for all sums that the insured will become
legally liable to pay as damages or compensation, including claimant costs recoverable from
the insured, arising out of bodily injury caused during the period of insurance to an
employee who, at the time of the cause, was working in the course of employment by the
public authority in the business except that where such employment is undertaken
temporarily outside the United Kingdom:
a) the employee must be intending to return to the United Kingdom following completion
of the temporary overseas employment; and
b) the temporary overseas employment outside the United Kingdom is not intended or
planned to exceed twelve (12) months duration; and
c) any temporary overseas employment undertaken in North America applies only to
clerical, promotional, sales conference attendance and other similar non-manual work.

2.1.2 Unless expressly stated to the contrary, cover granted by any clause or any endorsement to
this policy does not increase the limit of indemnity. Any sub-limit of indemnity stated
forms part of and is not additional to the limit of indemnity.
2.2 Employers’ liability defence costs

2.2.1 Following any event which is or may be the subject of indemnity under the ‘Employers’
liability cover’ clause above whether or not bodily injury has occurred the insurer agrees to
indemnify the insured for defence costs but such defence costs form part of the limit of
indemnity and do not increase the limit of indemnity or any sub-limit of indemnity.

2.2.2 This indemnity is subject to the exclusion ‘Defence costs incurred without the insurer’s
consent’.
2.3 Employers’ liability extensions

2.3.1 Contractual liability
Where any contract or agreement entered into by the insured so requires the insurer will
indemnify the insured against liability arising in connection with and assumed by the
insured by virtue of such contract or agreement but only so far as concerns liabi lity as
defined in this insured section to employees of the insured provided that the terms and
conditions of this insurance will apply as far may be practicable.

2.3.2 Cross liabilities
For each legal entity comprising the insured, the insurer will separately indemnify each
party as if a separate policy had been issued to each. Where claims are made against any
such insured by any other insured, the insurer's total liability to all parties will not exceed
the limit of indemnity or any applicable sub-limit of indemnity.
2.3.3 Data Protection
The insurer will indemnify the public authority and, if the public authority so requires, any
employee in respect of their liability to pay:

a) any valid compensation, including any associated defence costs, in respect of:
i. damage or distress under section 13 of Part II of the Data Protection Act 1998
(‘DPA’), or any equivalent provision under any subsequent amending or
replacement legislation; or

ii. material or non-material damage under Article 82 of the General Data Protection
Regulation (‘GDPR’),

first occurring during the period of insurance and resulting in a claim or claims brought
by any employee and notified to the insurer during the period of insurance; and

PPBL010121 Public Authority Combined Liability Insurance Policy (UK) Page 4 of 48