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8 Insured section F - Premises environmental liability
8.1 Premises environmental liability cover

8.1.1 Own clean-up costs cover
The insurer will pay clean-up costs beyond the boundaries of an insured premises arising
from a pollution condition which has migrated beyond the boundaries of the insured
premises providing such clean-up costs are the result of a claim against the insured by a
regulator.

All claims made against the insured during the period of insurance must be notified to the
insurer during the same period of insurance. The insurer will also pay defence costs in
respect of any clean-up costs.

8.1.2 Premises environmental liability cover
The insurer will pay loss resulting from:
a) bodily injury;
b) property damage;
c) clean-up costs incurred by a third party in accordance with environmental law;
beyond the boundaries of an insured premises, which arises from any pollution condition
which has migrated beyond the boundaries of an insured premises providing the claim for
such loss is made against the insured during the period of insurance.
All claims made against the insured during the period of insurance must be notified to the
insurer during the same period of insurance. The insurer will also pay defence costs in
respect of any loss.

8.2 Premises environmental liability extensions
8.2.1 Indemnity to other insured parties
At the request of the public authority, the insurer will separately indemnify each other
insured party provided that the:
a) public authority would have been entitled to indemnity by this policy had the claim or
suit been made against the public authority;
b) insurer has the sole conduct and control of any claim;
c) other insured party 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;
d) insurer’s liability under this clause shall in no way operate to increase the aggregate
environmental limit of liability or limit each pollution condition.
8.3 Premises environmental liability limitations and exclusions
This policy does not apply to:

8.3.1 Abandoned premises
clean-up costs, loss or defence costs arising from any premises owned or leased by the
insured subsequent to the time when such premises is abandoned, sold, given away or
operational control is relinquished.

8.3.2 Aboveground storage
arising from any storage container (excluding underground storage tanks) with volume
greater than 200 litres containing oils, chemicals or other liquids hazardous to human health
or the environment unless such storage container is subject to secondary containment with
sufficient capacity to contain spills or releases from the storage containers therein. The
secondary containment is not deemed to have sufficient capacity unless it has at least 110%
of the capacity of the storage container.

PPBL010121 Public Authority Combined Liability Insurance Policy (UK) Page 27 of 48