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7.9 Deliberate acts

7.9.1 damages or compensation, including claimant costs and any associated defence costs,
which result from personal injury, damage, denial of access or nuisance either expected
or intended by the insured or other insured party but this exclusion does not apply to
personal injury resulting from the use of reasonable force to protect persons or property.
7.9.2 other defence costs incurred in proceedings other than in respect of manslaughter,
corporate manslaughter or corporate homicide consequent upon any deliberate act or
omission by or on behalf of the insured or other insured party, if the result of such act or
omission could reasonably have been expected to constitute an offence under any
legislation.
7.10 Electronic data
liability arising from:
a) loss, alteration or impairment of or damage to information and/or data in electronic form;
b) malicious acts of any person carried out by electronic means;
but this exclusion shall not apply in respect of ;
a) liability for any ensuing accidental bodily injury (save for mental injury or mental
disease) or accidental damage which is not otherwise excluded; or
b) liability which arises under the Data Protection Act 1998, any subsequent amending
legislation or the General Data Protection Regulation.

7.11 Employment practices dispute
liability which arises out of employment practice disputes directly or indirectly related to
employment or prospective employment of any person or persons by the insured including
but not limited to:
a) wrongful unfair or constructive dismissal;
b) denial of natural justice, defamation, misleading representation or advertising;
c) refusal to employ a suitably qualified applicant or f ailure to promote;
d) coercion, demotion, evaluation, relocation, punishment, slander, humiliation,
harassment, bullying or discrimination
but this exclusion shall not apply in respect of compensatory damages for bodily injury
required by the Employers’ Liability (Compulsory insurance) Regulations 1998.
7.12 Financial loss
liability for economic loss not consequent upon bodily injury or damage except for
nuisance, and the cover provided by the ‘Data Protection’ and ‘Libel and slander’ extension
clauses under insured section B.

7.13 Fines, penalties or multiplication of compensatory damages

7.13.1 any fines or penalties;
7.13.2 any punitive damages, exemplary damages, aggravated damages, treble damages or any
other increase in damages resulting from the multiplication of compensatory damages but
this exclusion shall not apply in respect of such damages incurred within the jurisdiction of
the United Kingdom.
7.14 Legionella

bodily injury, personal injury, damage or denial of access arising out of, alleging or
attributable to the existence of legionella except as stated as insured in the ‘Legionella’
extension clause under insured section D;

7.15 Liability from employment
bodily injury caused to or sustained by any employee arising out of or in the course of
employment by the insured in the business;

PPBL010121 Public Authority Combined Liability Insurance Policy (UK) Page 23 of 48