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n) any member of an Education Appeals Panel established under the Schools Standards
and Framework Act 1998 and any subsequent legislation;
o) any member of a joint management committee scheme formed to assist in the business
of the public authority;
p) any person co-opted, seconded or appointed to assist the public authority in their
business
q) any teacher in the employment of the public authority while participating in voluntary
activities
r) any person a Court of Law in the United Kingdom deems to be an employee;
provided that the public authority can always request that any such person is not treated as
an employee.

11.18 Environmental damage – insured section F
Environmental damage means harm or injury to, damage sustained by or the destruction of
land, water, protected species and or natural habitats for which the insured is legally liable
under European Union Directive 2004/35/EC on environmental liability or any local
legislation in a Member State which implements it.
For the avoidance of doubt environmental damage includes primary remediation,
complementary remediation and compensatory remediation.

11.19 Environmental law
Environmental law means any laws, including, but not limited to, statutes, regulations,
subordinate legislation, common law, judgments, statutory guidance and all amendments
thereto, (including for the avoidance of doubt any law or regulation in a Member State which
implements the European Union Directive 2004/35/EC on environmental liability and all
amendments thereto) governing the liability of the insured with respect to any pollution
condition.

11.20 Hirer
Hirer means any individual or organisation (including any committee for the time being of any
association, club, society or charity) hiring premises from the public authority.

11.21 Insured
Insured means:
11.21.1 the public authority shown as insured in the schedule;

11.21.2 other insured party, in accordance with the ‘Indemnity to other parties’ extension;
11.21.3 including in either case the legal or personal representatives of the insured in respect of any
claim under this policy incurred on behalf of the insured.

11.22 Insured event
Insured event means an occurrence of personal injury, damage, denial of access,
nuisance or other loss which is insured under this policy. In respect of clause ‘Duties in the
event of a claim or potential claim’ and clause ‘Minimisation of risk’ only, it also includes such
an occurrence which it is reasonable to expect may be insured under this policy.

11.23 Insured premises – insured section F
Insured premises mean any premises owned, leased, rented or controlled by the insured.
11.24 Insured section
Insured section means all or any individually lettered sections of this policy that forms part
of the insurance contract but only if stated as ‘insured’ in the schedule.
11.25 Insurer
Insurer means the party specified as insurer in the schedule and any other subscribing
insurers.

PPBL010121 Public Authority Combined Liability Insurance Policy (UK) Page 42 of 48