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8.3.3 Asbestos and lead
clean-up costs, loss or defence costs arising out of or related in any way to asbestos,
asbestos fibres, asbestos dust or asbestos-containing materials or lead-based paint installed
or applied in on or to any structure or building;
provided that this exclusion does not apply to clean-up costs in respect of soil and
groundwater.

8.3.4 Capital expenditure
expenditure, costs or any other liability of any nature in relation to reinstatement, upgrade,
maintenance, improvement or supplementation of any equipment, plant, foundations,
building or any above or below ground structure.

8.3.5 Construction and maintenance activities
clean-up costs, loss or defence costs arising out of construction or maintenance activities
undertaken by the insured
8.3.6 Contractual liability
liability for clean-up costs, loss or defence costs assumed under any contract or
agreement.

8.3.7 Conveyance
clean-up costs, loss or defence costs arising from or caused by the ownership,
possession, control, maintenance, operation, use, loading or unloading beyond the
boundaries of insured premises of any conveyance.

8.3.8 Custody or control
loss of, damage to, loss of use of or diminishment in value of property belonging to the
insured or in the custody or control of the insured or any employee or agent of the insured
other than in respect of clean-up costs.
8.3.9 Employee injury
bodily injury sustained by any employee arising out of and in the course of employment by
the insured.
8.3.10 Fines and penalties
criminal, civil or administrative fines, penalties liquidated damages punitive or exemplary
damages or contractual penalties.
8.3.11 Housing stock
clean-up costs, loss or defence costs arising out of owned or formerly owned housing
stock properties.

8.3.12 Internal Expenses
costs incurred by the insured for services performed by any employee of the insured.

8.3.13 Known conditions
clean-up costs, loss or defence costs arising from any pollution condition which was in
existence prior to the inception of this policy and was known or should have been known to
any responsible insured.

8.3.14 Microbial matter
clean-up costs, loss or defence costs arising out of any microbial matter.

8.3.15 Naturally occurring materials
clean-up costs, loss or defence costs arising from the presence or required removal of
naturally occurring materials other than where such materials are identified at an insured
premises in concentrations in excess of their natural concentration at that insured
premises.

8.3.16 Non-compliance
clean-up costs, loss or defence costs arising from the intentional, knowing, wilful or
deliberate non-compliance with any European Union, national or local statute, regulation or

PPBL010121 Public Authority Combined Liability Insurance Policy (UK) Page 28 of 48