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hired, leased or loaned to the public authority in the course of the business provided that
this clause excludes and the insurer will not be liable for the cost of repairing, reinstating,
replacing or rectifying any original work giving rise to the liability of the public authority.
6.11 Principals
The insurer will indemnify any party including any principal whom, under contract or
agreement, the public authority has agreed to indemnify and/or insure but only to the
extent required by such contract or agreement and only to the extent that liability arises
solely out of the work performed for the principal by or on behalf of the public authority and
provided that:
a) the principal shall as though he were the public authority observe, fulfil and be subject
to the terms and conditions of this policy in so far as they can apply; and
b) the insurer’s liability under this clause shall in no way operate to increase the limit of
indemnity or any applicable sub-limit of indemnity.
and, for the avoidance of doubt, to the extent only of the indemnity provided by this insured
section.

6.12 Property in the insured’s care, custody and control
6.12.1 Notwithstanding the pollution exclusions under insured section B and C and the exclusion
of ‘Property in the insured’s care, custody and control’ but subject always to the exclusion
‘Owned or previously owned premises’ under insured section D, the insurer agrees to
extend coverage under insured sections B, C and D to indemnify the public authority in
respect of liability arising out of or from:
a) damage to personal effects (including vehicles and their contents) of employees or
members, officials, visitors or guests;
b) damage to premises including landlord’s contents, fixtures and fittings not owned by the
public authority but leased or rented by them in the course of business but always
excluding liability:
i) which attaches by way of any contract or agreement that would not have attached in
the absence of such contract or agreement; or
ii) for which indemnity to the public authority is provided under any other insurance or
in any other way;
c) damage to premises or their contents thereof not belonging to or leased to or rented to
the public authority or otherwise in the public authority’s custody or control but
temporarily occupied by the public authority for work away therein but no indemnity is
provided by this clause for damage to that part of the property on which the public
authority is working and which arises out of such work away.
d) damage to property held by the public authority which has been the subject of a legal
dispute or illegal distraint;
e) damage to vehicles, trailers and their contents removed under the powers granted to the
public authority by any statute or bye-law.
f) damage to motor vehicles or their contents not belonging to or hired, leased or loaned to
the public authority which are undergoing service or repair by the public authority in
accordance with the terms of the ‘Motor trade liability’ extension clause.

6.13 Reputational damage - mitigation costs
Following an insured event, then where required the insurer will pay all reasonable costs
incurred by the public authority with the insurer’s prior written consent to mitigate damage
to the reputation of the public authority, as a result of adverse publicity or adverse media
coverage (whether by radio or television in the press), provided that
a) this extension shall only apply to an insured event for which the total amount of such
costs has exceeded, or in the opinion of the insurer is likely to exceed, the limit for this
extension stated in the schedule (or if no limit is shown, a limit of GBP1,000,000 for any
one occurrence); and

PPBL010121 Public Authority Combined Liability Insurance Policy (UK) Page 19 of 48