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exclusion shall not apply to the liability of the public authority in respect of a deliberate
or intentional act by or omission of any employee or any other individual person;
d) claims which arise out of circumstances that are notified to any previous insurer or
known to the insured at inception of this policy;
e) liability for which indemnity is provided under any other insurance; or
f) claims or prosecutions brought against the insured outside the Courts of the United
Kingdom.
The insurer’s maximum liability during the period of insurance in respect of all claims
under this extension shall not exceed the sub-limit stated in the schedule, which amount
shall be inclusive of all defence costs and shall be part of and not in addition to the limit of
indemnity specified in the schedule.

3.3.2 Defective Premises Act 1972
The insurance provided by this insured section is extended to indemnify the insured
against any liability incurred by the insured by virtue of Section 3 of the Defective Premises
Act, 1972 or Section 5 of the Defective Premises Act (Northern Ireland) Order 1975 or any
amendment thereto in connection with premises that have been disposed of by the insured,
except that the insurer will not be liable to provide an indemnity for the cost of remedying
any defect or alleged defect in such premises.
3.3.3 Libel and slander
The insurer will indemnify the insured against legal liability arising from any claim or claims
first made against the insured and reported to the insurer during the period of insurance
stated in the schedule or within 28 days of the expiry of the period of insurance in respect
of libel or slander (or in Scotland defamation) committed by:
a) the insured;
b) any person at any time employed by the insured;
provided that
c) such libel, slander or defamation has been committed in the conduct of the business as
stated in the schedule;
d) this extension excludes libel or slander (or defamation)
i) made by or at the direction of the public authority or any person with knowledge of
the defamatory nature of the acts or omissions giving rise to a claim of libel, slander
or defamation;
ii) made by any person acting outside the scope of their authority;
e) this extension excludes any amount in respect of liquidated damages or penalties which
attach solely because of a contract or agreement, or fines; and
f) the insurer shall not be liable to pay any amount in excess of a sub-limit of indemnity
stated in the schedule, any one claim or series of claims arising out of the same
libellous, slanderous or defamatory statement and in the aggregate for all claims during
the period of insurance.
3.3.4 Temporary business trips overseas
At the request of the insured, this insured section is extended to indemnify the insured
and any employee or member of the insured (including their family or persons normally
resident with them) against legal liability as described in Public liability cover above but
incurred whilst outside the United Kingdom provided that:
a) legal liability is incurred in a personal capacity whilst undertaking a business trip;
b) such temporary business trip outside the United Kingdom does not exceed twelve (12)
months;
c) such liability does not arise out of the ownership or occupation of land or buildings.
3.4 Public liability limitations and exclusions

In addition to the limitations and exclusions in the ‘Exclusions to insured sections B, C, D and
E’ clause, this insured section excludes and does not cover:

PPBL010121 Public Authority Combined Liability Insurance Policy (UK) Page 11 of 48