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11.47 Primary remediation – insured section F
Primary remediation means any remedial measure, which returns the damaged natural
resources and/or impaired services to, or towards, baseline condition.

11.48 Product
Product means any property (including integral software, packaging, containers, labels and
instructions for use) after it has left the custody or control of the insured which has been
designed, specified, formulated, manufactured, constructed, installed, sold, supplied,
distributed, treated, serviced, altered or repaired by or on behalf of the insured.
11.49 Property damage – insured section F
Property damage means
11.49.1 physical loss, destruction or damage of tangible property;

11.49.2 loss of use thereof and the diminishment of third-party property value.
11.49.3 Environmental damage
Property damage does not include clean-up costs.

11.50 Proposal
Proposal means any information supplied by or on behalf of the insured, deemed to be a
completed proposal form and medical questionnaire and other relevant information that the
insurer may require.

11.51 Public authority
Public authority means the municipality, governmental body, department or unit shown as
the public authority in the schedule.

11.52 Regulator – insured section F
Regulator means any legal body, authority, agency or other person and/or any court of law
or tribunal in each case having authority under environmental law.

11.53 Responsible insured – insured section F
Responsible insured means any employee of the insured who is or was responsible for
environmental matters, control or compliance at an insured premises or any officer director
or partner of the insured.
11.54 Retention (or excess or deductible)
In respect of insured sections A to E the retention means the first amount payable by the
insured in respect of each and every claim, potential claim and/or related defence costs
(but not adjusters’ fees), as ascertained after the application of all other terms and conditions
of this insurance. The limit of indemnity will be reduced by the retention.
Where the retention is described in the schedule as applying to any one claim, it will apply
to the first amount payable by the insured in respect of each and every claim or series of
claims as ascertained after the application of all other terms and conditions of this insurance.
In respect of insured section F only retention means the amount expressed as such in the
schedule, which is to be borne by the insured for each and every pollution condition. The
limit of liability is additional to this retention.

11.55 Retroactive date - insured section F
Retroactive date means the dates stated in the schedule.
11.56 RIDDOR

RIDDOR means the Reporting of Injuries, Diseases and Dangerous Occurrences
Regulations 1995.

PPBL010121 Public Authority Combined Liability Insurance Policy (UK) Page 46 of 48