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11.13 Denial of access
Denial of access means trespass or interference with any easement, right of air, light, water
or way.

11.14 Election
Election means.

11.14.1 National Referenda; or
11.14.2 Local Government, London Assembly, Welsh Assembly, Mayoral, United Kingdom
Parliamentary and European Assembly and Police and Crime Commissioner elections.

11.15 Election official
Election official means any Returning Officer, Acting Returning Officer, Counting Officer or
Acting Counting Officer, Police Area Returning Officer who is at the time of appointment to
such position either:

11.15.1 a lawfully elected or appointed member of the public authority; or
11.15.2 employed under a contract of service with the public authority, or
11.15.3 a deputy of such persons and all persons engaged by them in the performance of official
duties as a Returning Officer or Acting Returning Officer, or a Counting Officer or Acting
Counting Officer.

11.16 Emergency expenditure – insured section F
Emergency expenditure means reasonable and necessary costs incurred by the insured to
prevent significant harm to human health or the environment where there is an imminent
threat thereof following a pollution condition, which may be covered by insured section F.
Such emergency expenditure shall be incurred with the insurer’s express permission other
than where it is not reasonably practicable to obtain such permission.

11.17 Employee
Employee means any person whilst:

11.17.1 engaged under a contract of service or apprenticeship with the public authority;
11.17.2 acting in the capacity of non-executive director of the public authority ;
11.17.3 not under a contract of service or apprenticeship who is, at the requirement of the public
authority, supplied to, hired or borrowed by the public authority in the course of business
and under the control of the public authority including but not limited to:
a) persons on secondment from another company that is not an insured under this policy;
b) labour masters or persons supplied by them;
c) labour-only subcontractors;
d) self-employed persons;
e) drivers or operators of hired-in plant;
f) persons engaged under work experience, training, study, exchange or similar schemes;
g) any officer, or voluntary helper of the organisations or services stated in the business;
h) voluntary workers, helpers and instructors;
i) persons working under the Community Offenders Act 1978, the Community Offenders
(Scotland) Act 1978, Crime and Disorder Act 1998 or similar legislation;
j) outworkers or homeworkers employed under contracts to personally execute any work in
connection with business while they are engaged in that work;
k) any other person defined under Sections 32.-(1), 35.-(2) and 54.-(3)(b) of the National
Minimum Wage Act 1998;
l) prospective employees who are being assessed by the public authority as to their
suitability for employment;
m) any election official participating at any election;

PPBL010121 Public Authority Combined Liability Insurance Policy (UK) Page 41 of 48