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6 Insured section E – Coverage extensions to insured sections
B, C and D

6.1 Asbestos accidental discovery
1. The insurer will indemnify the insured against legal liability to pay damages or
compensation including claimants’ costs recoverable from the insured arising from any
claim first made against the insured during the period of insurance for personal injury,
damage or nuisance, caused at any time after the inception date of the period of
insurance, following the accidental discovery of asbestos or asbestos containing materials.
2. The insurer agrees that any circumstance notified to the insurer during the period of
insurance which subsequently gives rise to a claim after expiry of the period of insurance
shall be deemed to be a claim first made during the period of insurance.
3. The insurance by this extension excludes and does not cover:
a) personal injury, damage or nuisance arising from any subsequent
activities related or connected to dealing with the asbestos and/or asbestos
containing materials once discovered, which shall be carried out by
qualified licensed sub-contractors on terms which indemnify the insured
for liability arising out of such work;
b) personal injury, damage or nuisance caused by the exposure
to asbestos or asbestos containing materials occurred on or before
the inception date of the period of insurance;
c) any claim arising directly or indirectly out of a circumstance or
event of which the insured was aware before the effective date of
this Asbestos accidental discovery clause; or
d) any claim arising directly or indirectly out of the diminution in the
value of property or loss of or potential loss of rental income or any
other consequential loss (including business interruption) whatever
and howsoever arising.
4. Any claim for damages or compensation including claimant costs recoverable from the
insured and defence costs in excess of the sub-limit of indemnity of GBP 1,000,000
which sum shall be the maximum the insurer will pay in the aggregate during any one
period of insurance.
6.2 Contractual liability
Subject always to the exclusions ‘North American jurisdiction’ and ‘North American territory ’,
where any contract or agreement entered into by the insured so requires the insurer will
indemnify the insured against liability arising from obligations undertaken by the insured by
virtue of such contract or agreement but only to the extent of the indemnity defined in these
insured sections provided that the terms and conditions of this insurance will apply as far
as may be practicable.
6.3 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.
6.4 Hirers’ liability

6.4.1 At the request of the public authority the insurer will indemnify any hirer as an other
insured party in respect of liability arising out of or from:
a) personal injury to any person (other than personal injury to an employee of the hirer
arising out of and in the course of employment by the hirer);
b) damage to the premises (including contents therein) hired from the public authority;
c) damage to any other property not belonging to the hirer nor in the care, custody or
control of the hirer or any person in the hirer’s service;

PPBL010121 Public Authority Combined Liability Insurance Policy (UK) Page 16 of 48