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10.22 Recovery of benefits
In the event that the insured’s liability in damages is reduced because benefits and/or
charges included in the damages are to be paid under statute to the Compensation
Recovery Unit or its successor, the insured’s liability in damages for the purposes of this
insurance will be deemed to include such benefits and charges.

10.23 Representation
The public authority will act on behalf of the insured and other insured parties under this
policy with respect to the giving and receiving of any notices from the insurer or their
representatives including any notice of cancellation. The payment to the public authority of
any return premium that may be payable under this policy will satisfy the insurer’s
obligations to return premium to any other insured party.
10.24 Sanction limitation and exclusion
The insurer shall not provide cover nor be liable to pay any claim or provide any benefit
hereunder to the extent that the provision of such cover, payment of such claim or provision
of such benefit would expose the insurer or any member of the insurer’s group to any
sanction, prohibition or restriction under United Nations resolutions or the trade or economic
sanctions, laws or regulations of any country.

10.25 Shared limits - insured section F
The insured understand, agree and acknowledge that insured section F of this policy is
subject to an aggregate environmental limit of liability, which is applicable to and will be
shared by the insured and any other insured party under the policy. Therefore, the
insured and any other insured party agree that such aggregate environmental limit of
liability may be exhausted or reduced by prior payments for other claims under insured
section F.

10.26 Subscribing insurer
The insurer’s obligations under this policy are several and not joint and are limited solely to
the extent of their individual subscriptions. The insurers are not responsible for the
subscription of any co-subscribing insurer who for any reason does not satisfy all or part of
its obligations.

10.27 Terms not relevant to the actual loss
Where:
i) the insured has failed to comply with any express or implied term of this policy,
other than a term that defines the risk as a whole; and
ii) compliance with such term would tend to reduce the risk of loss of a particular kind,
at a particular location and/or at a particular time,
the insurer cannot rely on the failure to comply to exclude, limit or discharge the insurer’s
liability if the insured shows that the failure to comply could not have increased t he risk of
the loss which actually occurred in the circumstances in which it occurred.

10.28 Tracing office database
Where the insurer provides an indemnity under the Employers’ Liability (Compulsory
Insurance) Regulations 1998, the insurer is required by regulation to maintain a database of
the employing organisation and any subsidiaries covered by such insurance. The insurer
supports and will add details to the Employers’ Liability Tracing Office database.
Accordingly, it is a condition of this insurance that the insured undertakes to supply full
details (as required by the Employers’ Liability Tracing Office) of the employing organisation
and all subsidiaries to the insurer at inception of this policy and promptly thereafter
following acquisition or disposal of any subsidiary company.

PPBL010121 Public Authority Combined Liability Insurance Policy (UK) Page 37 of 48