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11.40 Period of insurance
Period of insurance means the period stated in the schedule or any subsequent period for
which the insured shall have paid and the insurer shall have accepted a renewal premium
or a shorter period resulting from cancellation of the policy.
11.41 Personal injury
Personal injury means

11.41.1 bodily injury and/or
11.41.2 harm arising out of one or more of the following offences committed in the course of the
business:
a) false arrest;
b) detention or imprisonment;
c) malicious prosecution;
d) wrongful entry into or eviction of a person from a room, dwelling or premises that the
person occupies;
e) invasion of the right of privacy, but only to the extent that such right of privacy is not also
a breach or an alleged breach of the Data Protection Act 2018, the General Data
Protection Regulation or other similar data protection legislation.
11.42 Policy
Policy means this document, the schedule (including any schedules issued in substitution)
and any endorsements attaching to this document or the schedule that will be considered
part of the legal contract and any word or expression in bold type fac e on any of these
documents will bear the specific meaning stated in these definitions.
11.43 Pollutant - insured sections A - E
Pollutant means any solid, liquid, gaseous or thermal irritant or contaminant including smoke,
vapour, soot, dust, fumes, acids, alkalis, chemicals or waste. Waste is deemed to include
materials to be recycled, reconditioned or reclaimed.

11.44 Pollution - insured sections A - E
Pollution means:
the actual, alleged or threatened discharge, seepage, migration, dispersal, release or escape
of pollutants at any time other than any discharge release or escape of legionella or other
airborne or waterborne pathogens from water tanks, water systems, air conditioning plants,
cooling towers and the like;
any cost, expense, claim or suit arising out of any request, demand or order arising from
actual, alleged or threatened discharge, seepage, migration, dispersal, release or escape of
pollutants at any time that the insured or any other insured party test for, monitor, clean
up, remove, contain, treat, detoxify or neutralise or in any way respond to or assess the
effects of pollutants.
11.45 Pollution condition - insured section F
Pollution condition means the discharge, dispersal, escape, migration, release or seepage of
any solid, liquid, gaseous or thermal irritant, pollutant or contaminant including smoke, soot,
dust, vapours, fumes, acids, alkalis, chemicals, hazardous substances, hazardous materials
or waste materials in or on land, any structures on land, the atmosphere or any surface
water or groundwater.

11.46 Premises
Premises means the buildings or land that are owned, leased, hired or tenanted by or on
loan to the insured for the purpose of the business.

PPBL010121 Public Authority Combined Liability Insurance Policy (UK) Page 45 of 48