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11 General definitions and interpretation
The following words will have the same meaning attached each time they appear in this
policy in bold type face, whether with a capital first letter or not.
Where the context so admits or requires, words importing the singular will include the plural
and vice versa and words importing the masculine will import the feminine and the neuter.
References to 'a person' will be construed so as to include any individual, company,
partnership or any other legal entity. References to a statute or regulation will be construed
to include all its amendments or replacements. All headings within the policy are included
for convenience only and will not form part of this policy.

11.1 Advertising injury
Advertising injury means:
11.1.1 misappropriation of advertising ideas or style of doing business;
11.1.2 infringement of copyrighted advertising materials, titles or slogans;
in the course of advertising the insured’s goods, products or services.
11.2 Aggregate environmental limit of liability
Aggregate environmental limit of liability means the aggregate environmental limit of liability
as detailed in the schedule to this policy and will be the maximum the insurer will pay in
respect of all clean-up costs, loss, and defence costs in any one period of insurance
under insured section F.
11.3 Bodily injury
Bodily injury means death, disease, illness, physical and mental injury of or to an individual.
However, bodily injury does not extend to mental injury and/or anguish caused by
defamation.

11.4 Business
Business means the official activities of the public authority in accordance with the powers
granted under the Local Government Act 1972, Local Government (Scotland) Act 1973 or
any other Local Government Act in the United Kingdom or any subsequent legislation
amending or replacing it, including:

11.4.1 catering, social, sport, first aid, health, safety, educational, fire, medical, dental, welfare,
ambulance, and security activities for the benefit of employees and/or others;
11.4.2 the activities of nominated representatives but only where the public authority is legally
entitled to approve such activities and indemnify the employee or member in respect of such
activities for any not-for-profit entity meaning an entity registered under the Charities Act
1993 (United Kingdom) or organisation existing for any educational, research promotional,
training or similar non-profit making purpose or similar entity organised under the laws of any
other jurisdiction;
11.4.3 activities in connection with the conduct of running any elections;
11.4.4 private work undertaken with the consent of the public authority by any employee for any
fellow employee, member, director or senior official of the public authority;

11.4.5 activities of the insured as stated in the schedule.
11.5 Claim - insured section F
Claim means a written demand, notice or other written communication received by the
insured asserting a liability or responsibility on the insured for clean-up costs or loss.

11.6 Clean-up costs - insured section F
Clean-up costs means
a) reasonable expenses incurred in the investigation, quantification monitoring, abatement,
remediation, removal, disposal, treatment neutralisation, or immobilisation of pollution

PPBL010121 Public Authority Combined Liability Insurance Policy (UK) Page 39 of 48